Home > Security Bank > Performance and Condition Ratios
Security Bank, Performance and Condition Ratios
| 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 | 4.1446% | 5,298 |
| Cost of funding earning assets | 0.5186% | 5,692 |
| Net interest margin | 3.6259% | 4,149 |
| Noninterest income to average assets | 0.7126% | 2,599 |
| Noninterest expense to average assets | 6.9633% | 147 |
| Loan and lease loss provision to assets | -0.0692% | 7,161 |
| Net operating income to assets | -2.8790% | 7,215 |
| Return on assets (ROA) | -2.8790% | 7,217 |
| Pretax return on assets | -2.8790% | 7,204 |
| Return on Equity (ROE) | -153.4871% | 7,281 |
| Retained earnings to average equity (ytd only) | -153.4871% | 7,278 |
| Net charge-offs to loans | 2.1668% | 415 |
| Credit loss provision to net charge-offs | -4.3038% | 5,335 |
| Earnings coverage of net charge-offs (x) | -1.8329% | 4,604 |
| Efficiency ratio | 173.4280% | 66 |
| Assets per employee ($millions) | 2.5904% | 6,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4982% | 118 |
| Loan loss allowance to noncurrent loans | 27.8483% | 6,269 |
| Noncurrent assets plus other real estate owned to assets | 18.7318% | 61 |
| Noncurrent loans to loans | 19.7435% | 52 |
| Net loans and leases to total assets | 66.4532% | 2,380 |
| Net loans and leases to deposits | 67.7673% | 4,105 |
| Net loans and leases to core deposits | 73.2451% | 3,985 |
| Total domestic deposits to total assets | 98.0609% | 6 |
| Equity capital to assets | 1.4709% | 7,294 |
| Core capital (leverage) ratio | 1.5377% | 7,293 |
| Tier 1 risk-based capital ratio | 2.6557% | 7,285 |
| Total risk-based capital ratio | 3.9772% | 7,284 |
| Memoranda: | ||
| Average total assets | $98,229,500 | 4,973 |
| Average earning assets | $89,466,500 | 4,983 |
| Average equity | $1,842,500 | 7,173 |
| Average total loans | $72,919,500 | 4,353 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3298% | 5,662 |
| Cost of funding earning assets | 0.5148% | 6,471 |
| Net interest margin | 3.8150% | 3,744 |
| Noninterest income to average assets | -0.2308% | 7,171 |
| Noninterest expense to average assets | 8.8783% | 90 |
| Loan and lease loss provision to assets | 1.3324% | 602 |
| Net operating income to assets | -6.9923% | 7,336 |
| Return on assets (ROA) | -6.9923% | 7,337 |
| Pretax return on assets | -6.9923% | 7,339 |
| Return on Equity (ROE) | -133.8891% | 7,336 |
| Retained earnings to average equity (ytd only) | -133.8891% | 7,336 |
| Net charge-offs to loans | 2.8343% | 369 |
| Credit loss provision to net charge-offs | 57.9592% | 5,225 |
| Earnings coverage of net charge-offs (x) | -2.4620% | 6,300 |
| Efficiency ratio | 275.8601% | 27 |
| Assets per employee ($millions) | 2.2194% | 7,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7729% | 107 |
| Loan loss allowance to noncurrent loans | 31.4196% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 19.8673% | 53 |
| Noncurrent loans to loans | 18.3735% | 68 |
| Net loans and leases to total assets | 73.8529% | 1,298 |
| Net loans and leases to deposits | 76.0343% | 3,175 |
| Net loans and leases to core deposits | 83.0378% | 3,018 |
| Total domestic deposits to total assets | 97.1310% | 20 |
| Equity capital to assets | 2.3042% | 7,308 |
| Core capital (leverage) ratio | 2.1664% | 7,309 |
| Tier 1 risk-based capital ratio | 3.6999% | 7,293 |
| Total risk-based capital ratio | 4.9147% | 7,295 |
| Memoranda: | ||
| Average total assets | $106,574,200 | 4,718 |
| Average earning assets | $96,355,600 | 4,735 |
| Average equity | $5,565,800 | 6,269 |
| Average total loans | $86,441,000 | 3,951 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 6,139 |
| Cost of funding earning assets | 0.4817% | 6,777 |
| Net interest margin | 3.7480% | 4,116 |
| Noninterest income to average assets | -0.3487% | 7,314 |
| Noninterest expense to average assets | 8.8172% | 91 |
| Loan and lease loss provision to assets | 1.1619% | 686 |
| Net operating income to assets | -6.9409% | 7,411 |
| Return on assets (ROA) | -6.9409% | 7,412 |
| Pretax return on assets | -6.9409% | 7,412 |
| Return on Equity (ROE) | -118.4624% | 7,392 |
| Retained earnings to average equity (ytd only) | -118.4624% | 7,392 |
| Net charge-offs to loans | 2.3189% | 505 |
| Credit loss provision to net charge-offs | 61.3256% | 4,767 |
| Earnings coverage of net charge-offs (x) | -3.0502% | 6,061 |
| Efficiency ratio | 290.2087% | 21 |
| Assets per employee ($millions) | 2.4938% | 6,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7073% | 117 |
| Loan loss allowance to noncurrent loans | 28.9840% | 6,314 |
| Noncurrent assets plus other real estate owned to assets | 21.0653% | 45 |
| Noncurrent loans to loans | 19.6912% | 58 |
| Net loans and leases to total assets | 76.7057% | 879 |
| Net loans and leases to deposits | 80.6522% | 2,569 |
| Net loans and leases to core deposits | 87.2516% | 2,594 |
| Total domestic deposits to total assets | 95.1068% | 51 |
| Equity capital to assets | 3.8760% | 7,328 |
| Core capital (leverage) ratio | 3.5697% | 7,325 |
| Tier 1 risk-based capital ratio | 5.9013% | 7,300 |
| Total risk-based capital ratio | 7.2400% | 7,298 |
| Memoranda: | ||
| Average total assets | $109,359,500 | 4,692 |
| Average earning assets | $98,824,250 | 4,698 |
| Average equity | $6,407,500 | 6,084 |
| Average total loans | $89,351,750 | 3,914 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2572% | 6,141 |
| Cost of funding earning assets | 0.4527% | 7,000 |
| Net interest margin | 3.8044% | 3,758 |
| Noninterest income to average assets | -0.7357% | 7,447 |
| Noninterest expense to average assets | 8.5294% | 100 |
| Loan and lease loss provision to assets | 0.6963% | 1,365 |
| Net operating income to assets | -6.5317% | 7,472 |
| Return on assets (ROA) | -6.5317% | 7,475 |
| Pretax return on assets | -6.5317% | 7,474 |
| Return on Equity (ROE) | -101.0477% | 7,441 |
| Retained earnings to average equity (ytd only) | -101.0477% | 7,439 |
| Net charge-offs to loans | 1.5315% | 963 |
| Credit loss provision to net charge-offs | 55.5714% | 4,448 |
| Earnings coverage of net charge-offs (x) | -4.6571% | 5,793 |
| Efficiency ratio | 316.6113% | 22 |
| Assets per employee ($millions) | 2.2313% | 7,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8001% | 110 |
| Loan loss allowance to noncurrent loans | 29.0937% | 6,311 |
| Noncurrent assets plus other real estate owned to assets | 20.9193% | 54 |
| Noncurrent loans to loans | 19.9360% | 63 |
| Net loans and leases to total assets | 76.3814% | 1,022 |
| Net loans and leases to deposits | 81.5873% | 2,509 |
| Net loans and leases to core deposits | 89.2183% | 2,471 |
| Total domestic deposits to total assets | 93.6192% | 96 |
| Equity capital to assets | 5.6124% | 7,285 |
| Core capital (leverage) ratio | 5.4579% | 7,260 |
| Tier 1 risk-based capital ratio | 8.5793% | 7,209 |
| Total risk-based capital ratio | 9.9032% | 7,208 |
| Memoranda: | ||
| Average total assets | $111,731,330 | 4,667 |
| Average earning assets | $100,724,330 | 4,692 |
| Average equity | $7,222,330 | 5,861 |
| Average total loans | $91,411,000 | 3,907 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2650% | 6,111 |
| Cost of funding earning assets | 0.4522% | 7,110 |
| Net interest margin | 3.8127% | 3,551 |
| Noninterest income to average assets | -0.1648% | 7,415 |
| Noninterest expense to average assets | 8.5018% | 97 |
| Loan and lease loss provision to assets | 1.3644% | 489 |
| Net operating income to assets | -6.6008% | 7,516 |
| Return on assets (ROA) | -6.6008% | 7,516 |
| Pretax return on assets | -6.6008% | 7,514 |
| Return on Equity (ROE) | -96.1676% | 7,494 |
| Retained earnings to average equity (ytd only) | -96.1676% | 7,489 |
| Net charge-offs to loans | 0.9606% | 1,395 |
| Credit loss provision to net charge-offs | 172.8889% | 1,677 |
| Earnings coverage of net charge-offs (x) | -6.6356% | 5,040 |
| Efficiency ratio | 260.3652% | 33 |
| Assets per employee ($millions) | 2.3626% | 7,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9961% | 102 |
| Loan loss allowance to noncurrent loans | 26.5844% | 6,484 |
| Noncurrent assets plus other real estate owned to assets | 22.7399% | 41 |
| Noncurrent loans to loans | 22.5549% | 48 |
| Net loans and leases to total assets | 76.2010% | 1,005 |
| Net loans and leases to deposits | 82.3926% | 2,294 |
| Net loans and leases to core deposits | 107.2679% | 879 |
| Total domestic deposits to total assets | 92.4853% | 180 |
| Equity capital to assets | 6.8578% | 7,130 |
| Core capital (leverage) ratio | 6.7575% | 7,096 |
| Tier 1 risk-based capital ratio | 10.3503% | 6,885 |
| Total risk-based capital ratio | 11.6760% | 6,834 |
| Memoranda: | ||
| Average total assets | $114,046,000 | 4,646 |
| Average earning assets | $102,603,500 | 4,667 |
| Average equity | $7,828,000 | 5,670 |
| Average total loans | $93,695,000 | 3,886 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7940% | 7,255 |
| Cost of funding earning assets | 0.6824% | 6,926 |
| Net interest margin | 3.1115% | 6,495 |
| Noninterest income to average assets | -0.2334% | 7,482 |
| Noninterest expense to average assets | 6.3321% | 200 |
| Loan and lease loss provision to assets | 7.4167% | 20 |
| Net operating income to assets | -12.9730% | 7,649 |
| Return on assets (ROA) | -12.9730% | 7,649 |
| Pretax return on assets | -11.1930% | 7,644 |
| Return on Equity (ROE) | -129.9287% | 7,625 |
| Retained earnings to average equity (ytd only) | -129.9287% | 7,625 |
| Net charge-offs to loans | 8.3605% | 30 |
| Credit loss provision to net charge-offs | 120.4154% | 3,501 |
| Earnings coverage of net charge-offs (x) | -0.6131% | 6,505 |
| Efficiency ratio | 247.7636% | 49 |
| Assets per employee ($millions) | 2.4402% | 7,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6022% | 129 |
| Loan loss allowance to noncurrent loans | 22.2001% | 6,723 |
| Noncurrent assets plus other real estate owned to assets | 24.9128% | 27 |
| Noncurrent loans to loans | 25.2349% | 41 |
| Net loans and leases to total assets | 78.5740% | 866 |
| Net loans and leases to deposits | 84.9957% | 2,279 |
| Net loans and leases to core deposits | 116.6794% | 617 |
| Total domestic deposits to total assets | 92.4447% | 195 |
| Equity capital to assets | 6.8699% | 7,151 |
| Core capital (leverage) ratio | 5.8407% | 7,326 |
| Tier 1 risk-based capital ratio | 9.6340% | 7,096 |
| Total risk-based capital ratio | 10.9510% | 7,083 |
| Memoranda: | ||
| Average total assets | $146,966,400 | 3,930 |
| Average earning assets | $131,735,000 | 3,978 |
| Average equity | $14,674,200 | 3,999 |
| Average total loans | $108,270,600 | 3,588 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6613% | 7,471 |
| Cost of funding earning assets | 0.7181% | 7,015 |
| Net interest margin | 2.9433% | 6,940 |
| Noninterest income to average assets | 0.2700% | 5,957 |
| Noninterest expense to average assets | 5.7585% | 240 |
| Loan and lease loss provision to assets | 6.9161% | 28 |
| Net operating income to assets | -6.0931% | 7,695 |
| Return on assets (ROA) | -6.0931% | 7,698 |
| Pretax return on assets | -9.7678% | 7,742 |
| Return on Equity (ROE) | -57.6952% | 7,594 |
| Retained earnings to average equity (ytd only) | -57.6952% | 7,592 |
| Net charge-offs to loans | 8.4886% | 36 |
| Credit loss provision to net charge-offs | 113.3155% | 3,698 |
| Earnings coverage of net charge-offs (x) | -0.4672% | 6,310 |
| Efficiency ratio | 198.1065% | 89 |
| Assets per employee ($millions) | 2.9281% | 6,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4431% | 260 |
| Loan loss allowance to noncurrent loans | 18.7561% | 6,954 |
| Noncurrent assets plus other real estate owned to assets | 20.3959% | 55 |
| Noncurrent loans to loans | 23.6888% | 38 |
| Net loans and leases to total assets | 68.0180% | 3,210 |
| Net loans and leases to deposits | 78.3635% | 3,763 |
| Net loans and leases to core deposits | 111.5457% | 954 |
| Total domestic deposits to total assets | 86.7981% | 2,648 |
| Equity capital to assets | 12.5110% | 1,853 |
| Core capital (leverage) ratio | 7.7660% | 6,606 |
| Tier 1 risk-based capital ratio | 12.4553% | 5,026 |
| Total risk-based capital ratio | 13.7550% | 4,951 |
| Memoranda: | ||
| Average total assets | $155,036,000 | 3,842 |
| Average earning assets | $138,889,500 | 3,892 |
| Average equity | $16,373,000 | 3,741 |
| Average total loans | $111,472,500 | 3,568 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6344% | 7,563 |
| Cost of funding earning assets | 0.7554% | 7,053 |
| Net interest margin | 2.8790% | 7,031 |
| Noninterest income to average assets | 0.3203% | 5,598 |
| Noninterest expense to average assets | 5.5134% | 276 |
| Loan and lease loss provision to assets | 6.3453% | 70 |
| Net operating income to assets | -5.5734% | 7,721 |
| Return on assets (ROA) | -5.5734% | 7,725 |
| Pretax return on assets | -8.9350% | 7,799 |
| Return on Equity (ROE) | -55.7945% | 7,637 |
| Retained earnings to average equity (ytd only) | -55.7945% | 7,633 |
| Net charge-offs to loans | 4.9444% | 209 |
| Credit loss provision to net charge-offs | 177.9649% | 2,202 |
| Earnings coverage of net charge-offs (x) | -0.7263% | 6,077 |
| Efficiency ratio | 188.5751% | 117 |
| Assets per employee ($millions) | 3.0581% | 6,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1892% | 153 |
| Loan loss allowance to noncurrent loans | 22.8660% | 6,801 |
| Noncurrent assets plus other real estate owned to assets | 18.7655% | 72 |
| Noncurrent loans to loans | 22.6938% | 45 |
| Net loans and leases to total assets | 71.2210% | 2,609 |
| Net loans and leases to deposits | 80.0481% | 3,592 |
| Net loans and leases to core deposits | 118.0910% | 764 |
| Total domestic deposits to total assets | 88.9728% | 1,458 |
| Equity capital to assets | 10.2942% | 3,657 |
| Core capital (leverage) ratio | 6.5940% | 7,349 |
| Tier 1 risk-based capital ratio | 10.6546% | 6,561 |
| Total risk-based capital ratio | 11.9693% | 6,496 |
| Memoranda: | ||
| Average total assets | $159,865,330 | 3,796 |
| Average earning assets | $144,565,000 | 3,806 |
| Average equity | $15,969,330 | 3,806 |
| Average total loans | $115,282,330 | 3,502 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7010% | 7,639 |
| Cost of funding earning assets | 0.7969% | 7,099 |
| Net interest margin | 2.9041% | 7,015 |
| Noninterest income to average assets | 0.0817% | 7,295 |
| Noninterest expense to average assets | 4.4086% | 635 |
| Loan and lease loss provision to assets | 1.5072% | 773 |
| Net operating income to assets | -1.9952% | 7,462 |
| Return on assets (ROA) | -1.9952% | 7,464 |
| Pretax return on assets | -3.1971% | 7,617 |
| Return on Equity (ROE) | -20.2458% | 7,443 |
| Retained earnings to average equity (ytd only) | -20.2458% | 7,381 |
| Net charge-offs to loans | 2.4382% | 678 |
| Credit loss provision to net charge-offs | 87.3259% | 3,716 |
| Earnings coverage of net charge-offs (x) | -0.9791% | 5,380 |
| Efficiency ratio | 162.1574% | 171 |
| Assets per employee ($millions) | 3.0823% | 6,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9323% | 870 |
| Loan loss allowance to noncurrent loans | 12.2745% | 7,285 |
| Noncurrent assets plus other real estate owned to assets | 18.9124% | 71 |
| Noncurrent loans to loans | 23.8897% | 43 |
| Net loans and leases to total assets | 70.4051% | 2,827 |
| Net loans and leases to deposits | 78.8631% | 3,869 |
| Net loans and leases to core deposits | 125.7295% | 593 |
| Total domestic deposits to total assets | 89.2751% | 1,382 |
| Equity capital to assets | 10.1678% | 3,646 |
| Core capital (leverage) ratio | 8.0135% | 6,221 |
| Tier 1 risk-based capital ratio | 13.1942% | 4,213 |
| Total risk-based capital ratio | 14.4651% | 4,152 |
| Memoranda: | ||
| Average total assets | $166,402,500 | 3,725 |
| Average earning assets | $151,094,500 | 3,738 |
| Average equity | $16,398,500 | 3,763 |
| Average total loans | $117,789,500 | 3,502 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1557% | 7,626 |
| Cost of funding earning assets | 1.1521% | 6,816 |
| Net interest margin | 3.0036% | 6,640 |
| Noninterest income to average assets | 0.4578% | 4,738 |
| Noninterest expense to average assets | 4.1154% | 1,206 |
| Loan and lease loss provision to assets | 4.5333% | 257 |
| Net operating income to assets | -3.3542% | 7,475 |
| Return on assets (ROA) | -3.3542% | 7,475 |
| Pretax return on assets | -5.3780% | 7,746 |
| Return on Equity (ROE) | -36.6122% | 7,517 |
| Retained earnings to average equity (ytd only) | -36.6122% | 7,503 |
| Net charge-offs to loans | 5.2407% | 228 |
| Credit loss provision to net charge-offs | 114.3609% | 4,787 |
| Earnings coverage of net charge-offs (x) | -0.2131% | 6,463 |
| Efficiency ratio | 125.8247% | 514 |
| Assets per employee ($millions) | 3.3828% | 5,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9332% | 821 |
| Loan loss allowance to noncurrent loans | 12.9280% | 7,311 |
| Noncurrent assets plus other real estate owned to assets | 17.1112% | 96 |
| Noncurrent loans to loans | 22.6886% | 50 |
| Net loans and leases to total assets | 67.1350% | 3,889 |
| Net loans and leases to deposits | 78.4057% | 4,298 |
| Net loans and leases to core deposits | 103.2953% | 3,650 |
| Total domestic deposits to total assets | 85.6252% | 3,212 |
| Equity capital to assets | 9.5639% | 4,332 |
| Core capital (leverage) ratio | 8.0573% | 6,067 |
| Tier 1 risk-based capital ratio | 13.6052% | 3,756 |
| Total risk-based capital ratio | 14.8823% | 3,673 |
| Memoranda: | ||
| Average total assets | $167,758,800 | 3,644 |
| Average earning assets | $157,109,200 | 3,578 |
| Average equity | $15,369,200 | 3,999 |
| Average total loans | $126,891,200 | 3,334 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3150% | 7,664 |
| Cost of funding earning assets | 1.2189% | 6,841 |
| Net interest margin | 3.0961% | 6,321 |
| Noninterest income to average assets | 0.4306% | 5,039 |
| Noninterest expense to average assets | 3.9527% | 1,345 |
| Loan and lease loss provision to assets | 5.4567% | 140 |
| Net operating income to assets | -3.7830% | 7,722 |
| Return on assets (ROA) | -3.7830% | 7,724 |
| Pretax return on assets | -6.0571% | 7,910 |
| Return on Equity (ROE) | -41.7670% | 7,770 |
| Retained earnings to average equity (ytd only) | -41.7670% | 7,766 |
| Net charge-offs to loans | 6.0679% | 142 |
| Credit loss provision to net charge-offs | 116.3112% | 4,367 |
| Earnings coverage of net charge-offs (x) | -0.1280% | 6,218 |
| Efficiency ratio | 117.9083% | 627 |
| Assets per employee ($millions) | 3.3154% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8466% | 752 |
| Loan loss allowance to noncurrent loans | 12.8951% | 7,386 |
| Noncurrent assets plus other real estate owned to assets | 15.8945% | 101 |
| Noncurrent loans to loans | 22.0747% | 49 |
| Net loans and leases to total assets | 66.7235% | 4,253 |
| Net loans and leases to deposits | 80.0036% | 4,385 |
| Net loans and leases to core deposits | 104.3066% | 3,896 |
| Total domestic deposits to total assets | 83.4005% | 4,019 |
| Equity capital to assets | 9.1041% | 5,327 |
| Core capital (leverage) ratio | 8.8810% | 4,842 |
| Tier 1 risk-based capital ratio | 13.7246% | 3,699 |
| Total risk-based capital ratio | 15.0013% | 3,637 |
| Memoranda: | ||
| Average total assets | $166,567,500 | 3,684 |
| Average earning assets | $157,185,000 | 3,594 |
| Average equity | $15,086,500 | 4,081 |
| Average total loans | $128,783,000 | 3,326 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5896% | 7,550 |
| Cost of funding earning assets | 1.3115% | 6,766 |
| Net interest margin | 3.2781% | 5,634 |
| Noninterest income to average assets | 0.3842% | 5,427 |
| Noninterest expense to average assets | 3.8987% | 1,487 |
| Loan and lease loss provision to assets | 2.5724% | 602 |
| Net operating income to assets | -1.8521% | 7,383 |
| Return on assets (ROA) | -1.8521% | 7,380 |
| Pretax return on assets | -2.9690% | 7,567 |
| Return on Equity (ROE) | -20.4872% | 7,516 |
| Retained earnings to average equity (ytd only) | -20.4872% | 7,469 |
| Net charge-offs to loans | 3.2144% | 499 |
| Credit loss provision to net charge-offs | 99.4288% | 4,630 |
| Earnings coverage of net charge-offs (x) | -0.1533% | 5,841 |
| Efficiency ratio | 111.3221% | 814 |
| Assets per employee ($millions) | 2.8880% | 6,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9679% | 1,640 |
| Loan loss allowance to noncurrent loans | 11.7628% | 7,461 |
| Noncurrent assets plus other real estate owned to assets | 13.8905% | 126 |
| Noncurrent loans to loans | 16.7297% | 98 |
| Net loans and leases to total assets | 79.4399% | 1,419 |
| Net loans and leases to deposits | 96.4046% | 1,732 |
| Net loans and leases to core deposits | 124.7580% | 1,959 |
| Total domestic deposits to total assets | 82.4026% | 4,522 |
| Equity capital to assets | 9.1116% | 5,152 |
| Core capital (leverage) ratio | 9.0679% | 4,518 |
| Tier 1 risk-based capital ratio | 13.1394% | 4,045 |
| Total risk-based capital ratio | 14.1709% | 4,118 |
| Memoranda: | ||
| Average total assets | $162,413,330 | 3,774 |
| Average earning assets | $154,480,000 | 3,657 |
| Average equity | $14,682,330 | 4,163 |
| Average total loans | $130,725,670 | 3,324 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5131% | 7,704 |
| Cost of funding earning assets | 1.4071% | 6,708 |
| Net interest margin | 3.1060% | 6,179 |
| Noninterest income to average assets | 0.3313% | 5,799 |
| Noninterest expense to average assets | 3.7467% | 1,572 |
| Loan and lease loss provision to assets | 0.2923% | 3,617 |
| Net operating income to assets | -0.4677% | 6,847 |
| Return on assets (ROA) | -0.4677% | 6,908 |
| Pretax return on assets | -0.7503% | 7,004 |
| Return on Equity (ROE) | -5.1938% | 6,990 |
| Retained earnings to average equity (ytd only) | -5.1938% | 6,577 |
| Net charge-offs to loans | 0.7561% | 1,688 |
| Credit loss provision to net charge-offs | 48.1928% | 4,709 |
| Earnings coverage of net charge-offs (x) | -0.7550% | 5,314 |
| Efficiency ratio | 113.9259% | 734 |
| Assets per employee ($millions) | 2.9975% | 6,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8284% | 1,787 |
| Loan loss allowance to noncurrent loans | 12.8457% | 7,466 |
| Noncurrent assets plus other real estate owned to assets | 11.4033% | 164 |
| Noncurrent loans to loans | 14.2335% | 117 |
| Net loans and leases to total assets | 78.6515% | 1,658 |
| Net loans and leases to deposits | 96.5524% | 1,864 |
| Net loans and leases to core deposits | 124.7780% | 2,009 |
| Total domestic deposits to total assets | 81.4599% | 4,763 |
| Equity capital to assets | 8.9261% | 5,440 |
| Core capital (leverage) ratio | 8.7285% | 5,098 |
| Tier 1 risk-based capital ratio | 13.4824% | 3,876 |
| Total risk-based capital ratio | 14.7449% | 3,792 |
| Memoranda: | ||
| Average total assets | $164,199,000 | 3,760 |
| Average earning assets | $156,344,500 | 3,640 |
| Average equity | $14,787,000 | 4,180 |
| Average total loans | $131,730,000 | 3,329 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6098% | 7,033 |
| Cost of funding earning assets | 1.5157% | 7,585 |
| Net interest margin | 4.0940% | 2,738 |
| Noninterest income to average assets | 0.4965% | 4,639 |
| Noninterest expense to average assets | 3.7114% | 1,936 |
| Loan and lease loss provision to assets | 1.2801% | 1,115 |
| Net operating income to assets | -0.3731% | 6,796 |
| Return on assets (ROA) | -0.3808% | 6,680 |
| Pretax return on assets | -0.6103% | 6,742 |
| Return on Equity (ROE) | -3.9253% | 6,735 |
| Retained earnings to average equity (ytd only) | -3.9253% | 6,311 |
| Net charge-offs to loans | 0.5133% | 2,304 |
| Credit loss provision to net charge-offs | 323.3227% | 1,393 |
| Earnings coverage of net charge-offs (x) | 1.7220% | 5,216 |
| Efficiency ratio | 84.4803% | 2,011 |
| Assets per employee ($millions) | 2.9203% | 6,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9364% | 1,347 |
| Loan loss allowance to noncurrent loans | 15.6083% | 7,379 |
| Noncurrent assets plus other real estate owned to assets | 10.0523% | 157 |
| Noncurrent loans to loans | 12.4063% | 117 |
| Net loans and leases to total assets | 78.7806% | 1,940 |
| Net loans and leases to deposits | 97.3802% | 2,217 |
| Net loans and leases to core deposits | 131.1117% | 1,774 |
| Total domestic deposits to total assets | 80.9000% | 4,686 |
| Equity capital to assets | 9.0856% | 5,249 |
| Core capital (leverage) ratio | 8.9093% | 4,872 |
| Tier 1 risk-based capital ratio | 13.4923% | 3,827 |
| Total risk-based capital ratio | 14.7554% | 3,714 |
| Memoranda: | ||
| Average total assets | $158,107,600 | 3,756 |
| Average earning assets | $150,487,800 | 3,648 |
| Average equity | $15,336,600 | 4,063 |
| Average total loans | $121,965,600 | 3,420 |