Home > Security Bank and Trust Company > Performance and Condition Ratios
Security Bank and Trust Company, Performance and Condition Ratios
| 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 | 4.1831% | 4,875 |
| Cost of funding earning assets | 0.6351% | 4,316 |
| Net interest margin | 3.5480% | 4,448 |
| Noninterest income to average assets | 0.7104% | 2,657 |
| Noninterest expense to average assets | 2.9485% | 3,413 |
| Loan and lease loss provision to assets | 0.0953% | 4,385 |
| Net operating income to assets | 0.9628% | 2,692 |
| Return on assets (ROA) | 1.0330% | 2,571 |
| Pretax return on assets | 1.0330% | 3,594 |
| Return on Equity (ROE) | 12.2548% | 1,546 |
| Retained earnings to average equity (ytd only) | 5.0368% | 3,340 |
| Net charge-offs to loans | -0.0117% | 6,392 |
| Credit loss provision to net charge-offs | -1,425.0000% | 6,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5920% | 3,050 |
| Assets per employee ($millions) | 2.3389% | 6,830 |
| Cash dividends to net income (ytd only)* | 58.8995% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 6,026 |
| Loan loss allowance to noncurrent loans | 112.4700% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 1.3858% | 3,527 |
| Noncurrent loans to loans | 0.9021% | 4,627 |
| Net loans and leases to total assets | 57.5388% | 4,198 |
| Net loans and leases to deposits | 63.8854% | 4,726 |
| Net loans and leases to core deposits | 65.7527% | 4,982 |
| Total domestic deposits to total assets | 90.0656% | 810 |
| Equity capital to assets | 8.5461% | 6,225 |
| Core capital (leverage) ratio | 8.5197% | 5,721 |
| Tier 1 risk-based capital ratio | 15.0441% | 3,818 |
| Total risk-based capital ratio | 16.0823% | 3,915 |
| Memoranda: | ||
| Average total assets | $79,768,000 | 5,408 |
| Average earning assets | $74,105,000 | 5,365 |
| Average equity | $6,723,750 | 5,903 |
| Average total loans | $45,486,250 | 5,324 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1571% | 5,101 |
| Cost of funding earning assets | 0.6479% | 4,459 |
| Net interest margin | 3.5092% | 4,628 |
| Noninterest income to average assets | 0.6838% | 2,754 |
| Noninterest expense to average assets | 2.9831% | 3,327 |
| Loan and lease loss provision to assets | 0.0827% | 4,566 |
| Net operating income to assets | 0.8741% | 3,024 |
| Return on assets (ROA) | 0.9793% | 2,787 |
| Pretax return on assets | 0.9793% | 3,789 |
| Return on Equity (ROE) | 11.6722% | 1,778 |
| Retained earnings to average equity (ytd only) | 4.0300% | 3,927 |
| Net charge-offs to loans | 0.0354% | 4,892 |
| Credit loss provision to net charge-offs | 412.5000% | 715 |
| Earnings coverage of net charge-offs (x) | 47.7500% | 761 |
| Efficiency ratio | 75.7152% | 2,785 |
| Assets per employee ($millions) | 2.3414% | 6,873 |
| Cash dividends to net income (ytd only)* | 65.4731% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 6,318 |
| Loan loss allowance to noncurrent loans | 106.3882% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 1.3717% | 3,691 |
| Noncurrent loans to loans | 0.8945% | 4,707 |
| Net loans and leases to total assets | 56.6092% | 4,381 |
| Net loans and leases to deposits | 62.9246% | 4,885 |
| Net loans and leases to core deposits | 64.7556% | 5,126 |
| Total domestic deposits to total assets | 89.9634% | 945 |
| Equity capital to assets | 8.3948% | 6,305 |
| Core capital (leverage) ratio | 8.2608% | 5,976 |
| Tier 1 risk-based capital ratio | 15.0620% | 3,729 |
| Total risk-based capital ratio | 16.0388% | 3,868 |
| Memoranda: | ||
| Average total assets | $79,850,000 | 5,437 |
| Average earning assets | $74,090,670 | 5,392 |
| Average equity | $6,699,670 | 5,929 |
| Average total loans | $45,240,000 | 5,371 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1737% | 5,198 |
| Cost of funding earning assets | 0.6607% | 4,630 |
| Net interest margin | 3.5130% | 4,629 |
| Noninterest income to average assets | 0.6352% | 3,025 |
| Noninterest expense to average assets | 2.8761% | 3,722 |
| Loan and lease loss provision to assets | 0.1601% | 3,379 |
| Net operating income to assets | 0.8703% | 3,050 |
| Return on assets (ROA) | 0.8703% | 3,275 |
| Pretax return on assets | 0.8703% | 4,152 |
| Return on Equity (ROE) | 10.3757% | 2,275 |
| Retained earnings to average equity (ytd only) | 7.0364% | 2,419 |
| Net charge-offs to loans | 0.1153% | 3,424 |
| Credit loss provision to net charge-offs | 246.1538% | 1,160 |
| Earnings coverage of net charge-offs (x) | 15.8462% | 1,399 |
| Efficiency ratio | 73.6236% | 3,148 |
| Assets per employee ($millions) | 2.4065% | 6,918 |
| Cash dividends to net income (ytd only)* | 32.1839% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 6,411 |
| Loan loss allowance to noncurrent loans | 6,100.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.9068% | 4,705 |
| Noncurrent loans to loans | 0.0156% | 6,744 |
| Net loans and leases to total assets | 54.3142% | 4,669 |
| Net loans and leases to deposits | 60.0781% | 5,137 |
| Net loans and leases to core deposits | 63.3469% | 5,192 |
| Total domestic deposits to total assets | 90.4060% | 863 |
| Equity capital to assets | 8.2679% | 6,295 |
| Core capital (leverage) ratio | 8.3121% | 5,855 |
| Tier 1 risk-based capital ratio | 15.1393% | 3,657 |
| Total risk-based capital ratio | 16.1100% | 3,816 |
| Memoranda: | ||
| Average total assets | $79,970,500 | 5,475 |
| Average earning assets | $74,467,000 | 5,416 |
| Average equity | $6,708,000 | 5,962 |
| Average total loans | $45,110,500 | 5,411 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5549% | 4,859 |
| Cost of funding earning assets | 0.7482% | 5,226 |
| Net interest margin | 3.8067% | 3,783 |
| Noninterest income to average assets | 0.5753% | 3,330 |
| Noninterest expense to average assets | 3.2421% | 2,717 |
| Loan and lease loss provision to assets | 0.0457% | 6,005 |
| Net operating income to assets | 0.7957% | 3,055 |
| Return on assets (ROA) | 0.7957% | 3,222 |
| Pretax return on assets | 0.7957% | 3,996 |
| Return on Equity (ROE) | 9.1567% | 2,383 |
| Retained earnings to average equity (ytd only) | 5.8003% | 2,125 |
| Net charge-offs to loans | 0.0898% | 5,440 |
| Credit loss provision to net charge-offs | 85.0000% | 4,242 |
| Earnings coverage of net charge-offs (x) | 15.6500% | 1,379 |
| Efficiency ratio | 79.3943% | 2,388 |
| Assets per employee ($millions) | 2.3672% | 6,948 |
| Cash dividends to net income (ytd only)* | 36.6554% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 6,535 |
| Loan loss allowance to noncurrent loans | 691.5254% | 532 |
| Noncurrent assets plus other real estate owned to assets | 1.0164% | 4,583 |
| Noncurrent loans to loans | 0.1301% | 6,484 |
| Net loans and leases to total assets | 57.5340% | 4,456 |
| Net loans and leases to deposits | 63.8705% | 5,034 |
| Net loans and leases to core deposits | 65.7466% | 5,281 |
| Total domestic deposits to total assets | 90.0792% | 953 |
| Equity capital to assets | 8.5139% | 6,135 |
| Core capital (leverage) ratio | 8.4217% | 5,684 |
| Tier 1 risk-based capital ratio | 15.1152% | 3,572 |
| Total risk-based capital ratio | 16.0579% | 3,735 |
| Memoranda: | ||
| Average total assets | $74,396,400 | 5,630 |
| Average earning assets | $68,564,000 | 5,589 |
| Average equity | $6,465,200 | 6,022 |
| Average total loans | $44,549,600 | 5,491 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6106% | 4,828 |
| Cost of funding earning assets | 0.7612% | 5,390 |
| Net interest margin | 3.8494% | 3,617 |
| Noninterest income to average assets | 0.5318% | 3,639 |
| Noninterest expense to average assets | 3.2432% | 2,681 |
| Loan and lease loss provision to assets | 0.0581% | 5,716 |
| Net operating income to assets | 0.7731% | 3,289 |
| Return on assets (ROA) | 0.7731% | 3,446 |
| Pretax return on assets | 0.7731% | 4,225 |
| Return on Equity (ROE) | 8.8489% | 2,677 |
| Retained earnings to average equity (ytd only) | 6.6262% | 2,181 |
| Net charge-offs to loans | 0.1082% | 4,917 |
| Credit loss provision to net charge-offs | 88.8889% | 3,806 |
| Earnings coverage of net charge-offs (x) | 12.7219% | 1,674 |
| Efficiency ratio | 79.5991% | 2,320 |
| Assets per employee ($millions) | 2.3395% | 7,040 |
| Cash dividends to net income (ytd only)* | 25.1166% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9160% | 6,547 |
| Loan loss allowance to noncurrent loans | 199.0291% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 1.6398% | 3,624 |
| Noncurrent loans to loans | 0.4603% | 5,929 |
| Net loans and leases to total assets | 57.4419% | 4,599 |
| Net loans and leases to deposits | 63.8156% | 5,193 |
| Net loans and leases to core deposits | 65.7066% | 5,442 |
| Total domestic deposits to total assets | 90.0123% | 857 |
| Equity capital to assets | 8.5616% | 6,238 |
| Core capital (leverage) ratio | 8.6672% | 5,462 |
| Tier 1 risk-based capital ratio | 15.2795% | 3,504 |
| Total risk-based capital ratio | 16.2454% | 3,632 |
| Memoranda: | ||
| Average total assets | $73,465,750 | 5,697 |
| Average earning assets | $67,610,000 | 5,665 |
| Average equity | $6,418,750 | 6,079 |
| Average total loans | $44,348,750 | 5,546 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6919% | 4,559 |
| Cost of funding earning assets | 0.7709% | 5,558 |
| Net interest margin | 3.9209% | 3,213 |
| Noninterest income to average assets | 0.3849% | 4,798 |
| Noninterest expense to average assets | 3.3038% | 2,549 |
| Loan and lease loss provision to assets | 0.0609% | 5,543 |
| Net operating income to assets | 0.6259% | 3,931 |
| Return on assets (ROA) | 0.6259% | 4,058 |
| Pretax return on assets | 0.6259% | 4,660 |
| Return on Equity (ROE) | 7.1125% | 3,397 |
| Retained earnings to average equity (ytd only) | 5.2557% | 2,836 |
| Net charge-offs to loans | 0.1448% | 4,320 |
| Credit loss provision to net charge-offs | 68.7500% | 4,084 |
| Earnings coverage of net charge-offs (x) | 7.7500% | 2,175 |
| Efficiency ratio | 82.7897% | 1,981 |
| Assets per employee ($millions) | 2.2326% | 7,164 |
| Cash dividends to net income (ytd only)* | 26.1062% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 6,599 |
| Loan loss allowance to noncurrent loans | 708.7719% | 499 |
| Noncurrent assets plus other real estate owned to assets | 1.5161% | 3,928 |
| Noncurrent loans to loans | 0.1299% | 6,653 |
| Net loans and leases to total assets | 59.0029% | 4,469 |
| Net loans and leases to deposits | 65.7446% | 5,036 |
| Net loans and leases to core deposits | 66.0915% | 5,503 |
| Total domestic deposits to total assets | 89.7456% | 1,100 |
| Equity capital to assets | 8.7831% | 5,839 |
| Core capital (leverage) ratio | 8.6727% | 5,269 |
| Tier 1 risk-based capital ratio | 15.5753% | 3,202 |
| Total risk-based capital ratio | 16.5687% | 3,294 |
| Memoranda: | ||
| Average total assets | $72,219,330 | 5,771 |
| Average earning assets | $66,412,670 | 5,743 |
| Average equity | $6,355,000 | 6,123 |
| Average total loans | $44,212,330 | 5,606 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7388% | 4,337 |
| Cost of funding earning assets | 0.7918% | 5,606 |
| Net interest margin | 3.9470% | 2,929 |
| Noninterest income to average assets | 0.7497% | 2,259 |
| Noninterest expense to average assets | 3.3123% | 2,523 |
| Loan and lease loss provision to assets | 0.1231% | 4,464 |
| Net operating income to assets | 0.9400% | 2,397 |
| Return on assets (ROA) | 0.9400% | 2,460 |
| Pretax return on assets | 0.9400% | 3,362 |
| Return on Equity (ROE) | 10.6717% | 1,846 |
| Retained earnings to average equity (ytd only) | 6.9239% | 2,177 |
| Net charge-offs to loans | 0.2974% | 2,861 |
| Credit loss provision to net charge-offs | 66.6667% | 3,413 |
| Earnings coverage of net charge-offs (x) | 5.7576% | 2,215 |
| Efficiency ratio | 75.7033% | 3,207 |
| Assets per employee ($millions) | 2.2110% | 7,249 |
| Cash dividends to net income (ytd only)* | 35.1190% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 6,653 |
| Loan loss allowance to noncurrent loans | 592.6471% | 566 |
| Noncurrent assets plus other real estate owned to assets | 1.8092% | 3,556 |
| Noncurrent loans to loans | 0.1548% | 6,668 |
| Net loans and leases to total assets | 59.6557% | 4,334 |
| Net loans and leases to deposits | 66.4144% | 4,909 |
| Net loans and leases to core deposits | 66.7648% | 5,436 |
| Total domestic deposits to total assets | 89.8235% | 1,262 |
| Equity capital to assets | 8.6963% | 5,663 |
| Core capital (leverage) ratio | 8.6305% | 5,204 |
| Tier 1 risk-based capital ratio | 15.0989% | 3,376 |
| Total risk-based capital ratio | 16.0684% | 3,495 |
| Memoranda: | ||
| Average total assets | $71,491,000 | 5,833 |
| Average earning assets | $65,670,000 | 5,807 |
| Average equity | $6,297,000 | 6,154 |
| Average total loans | $44,381,000 | 5,640 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9313% | 4,872 |
| Cost of funding earning assets | 1.0301% | 5,531 |
| Net interest margin | 3.9011% | 3,482 |
| Noninterest income to average assets | 0.7839% | 2,355 |
| Noninterest expense to average assets | 3.3146% | 2,690 |
| Loan and lease loss provision to assets | 0.3127% | 4,299 |
| Net operating income to assets | 0.7563% | 2,972 |
| Return on assets (ROA) | 0.7563% | 3,094 |
| Pretax return on assets | 0.7563% | 3,777 |
| Return on Equity (ROE) | 8.9832% | 2,296 |
| Retained earnings to average equity (ytd only) | 5.3834% | 2,193 |
| Net charge-offs to loans | 0.7580% | 2,743 |
| Credit loss provision to net charge-offs | 63.9437% | 6,011 |
| Earnings coverage of net charge-offs (x) | 2.1859% | 4,082 |
| Efficiency ratio | 75.6128% | 3,108 |
| Assets per employee ($millions) | 2.1218% | 7,354 |
| Cash dividends to net income (ytd only)* | 40.0729% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 6,656 |
| Loan loss allowance to noncurrent loans | 265.3846% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 1.9037% | 3,467 |
| Noncurrent loans to loans | 0.3480% | 6,363 |
| Net loans and leases to total assets | 63.4376% | 3,981 |
| Net loans and leases to deposits | 70.8720% | 4,706 |
| Net loans and leases to core deposits | 71.2597% | 5,301 |
| Total domestic deposits to total assets | 89.5101% | 1,380 |
| Equity capital to assets | 8.9246% | 5,248 |
| Core capital (leverage) ratio | 8.5827% | 5,219 |
| Tier 1 risk-based capital ratio | 14.4741% | 3,564 |
| Total risk-based capital ratio | 15.4458% | 3,696 |
| Memoranda: | ||
| Average total assets | $72,588,600 | 5,797 |
| Average earning assets | $66,980,600 | 5,770 |
| Average equity | $6,111,400 | 6,328 |
| Average total loans | $46,830,800 | 5,604 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9428% | 5,068 |
| Cost of funding earning assets | 1.0642% | 5,624 |
| Net interest margin | 3.8785% | 3,616 |
| Noninterest income to average assets | 0.7738% | 2,365 |
| Noninterest expense to average assets | 3.2590% | 2,714 |
| Loan and lease loss provision to assets | 0.4006% | 3,499 |
| Net operating income to assets | 0.6973% | 3,425 |
| Return on assets (ROA) | 0.6973% | 3,585 |
| Pretax return on assets | 0.6973% | 4,233 |
| Return on Equity (ROE) | 8.4030% | 2,740 |
| Retained earnings to average equity (ytd only) | 4.6952% | 3,199 |
| Net charge-offs to loans | 0.8789% | 2,248 |
| Credit loss provision to net charge-offs | 70.5128% | 5,403 |
| Earnings coverage of net charge-offs (x) | 1.9327% | 4,256 |
| Efficiency ratio | 74.8015% | 3,184 |
| Assets per employee ($millions) | 2.1625% | 7,411 |
| Cash dividends to net income (ytd only)* | 44.1261% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 6,487 |
| Loan loss allowance to noncurrent loans | 387.9310% | 767 |
| Noncurrent assets plus other real estate owned to assets | 1.8049% | 3,741 |
| Noncurrent loans to loans | 0.2520% | 6,676 |
| Net loans and leases to total assets | 63.8608% | 4,151 |
| Net loans and leases to deposits | 72.2681% | 4,798 |
| Net loans and leases to core deposits | 72.6564% | 5,442 |
| Total domestic deposits to total assets | 88.3665% | 1,753 |
| Equity capital to assets | 8.6950% | 6,024 |
| Core capital (leverage) ratio | 8.3863% | 5,723 |
| Tier 1 risk-based capital ratio | 14.1826% | 3,702 |
| Total risk-based capital ratio | 15.2372% | 3,817 |
| Memoranda: | ||
| Average total assets | $73,230,750 | 5,850 |
| Average earning assets | $67,653,000 | 5,809 |
| Average equity | $6,077,000 | 6,426 |
| Average total loans | $47,330,250 | 5,668 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9665% | 5,101 |
| Cost of funding earning assets | 1.1069% | 5,634 |
| Net interest margin | 3.8596% | 3,639 |
| Noninterest income to average assets | 0.7664% | 2,294 |
| Noninterest expense to average assets | 3.1657% | 3,030 |
| Loan and lease loss provision to assets | 0.4793% | 2,909 |
| Net operating income to assets | 0.6906% | 3,440 |
| Return on assets (ROA) | 0.6906% | 3,593 |
| Pretax return on assets | 0.6906% | 4,273 |
| Return on Equity (ROE) | 8.4516% | 2,689 |
| Retained earnings to average equity (ytd only) | 5.0378% | 2,883 |
| Net charge-offs to loans | 1.2226% | 1,562 |
| Credit loss provision to net charge-offs | 60.6164% | 5,194 |
| Earnings coverage of net charge-offs (x) | 1.4795% | 4,376 |
| Efficiency ratio | 73.0169% | 3,657 |
| Assets per employee ($millions) | 2.1482% | 7,476 |
| Cash dividends to net income (ytd only)* | 40.3922% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 6,671 |
| Loan loss allowance to noncurrent loans | 142.8094% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 1.7785% | 3,789 |
| Noncurrent loans to loans | 0.6489% | 5,960 |
| Net loans and leases to total assets | 62.5022% | 4,579 |
| Net loans and leases to deposits | 70.4360% | 5,216 |
| Net loans and leases to core deposits | 70.8009% | 5,796 |
| Total domestic deposits to total assets | 88.7362% | 1,580 |
| Equity capital to assets | 8.3887% | 6,315 |
| Core capital (leverage) ratio | 8.0107% | 6,262 |
| Tier 1 risk-based capital ratio | 13.8200% | 3,859 |
| Total risk-based capital ratio | 14.8052% | 4,002 |
| Memoranda: | ||
| Average total assets | $73,853,330 | 5,875 |
| Average earning assets | $68,297,000 | 5,817 |
| Average equity | $6,034,330 | 6,457 |
| Average total loans | $47,766,000 | 5,695 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0476% | 4,795 |
| Cost of funding earning assets | 1.1501% | 5,658 |
| Net interest margin | 3.8975% | 3,339 |
| Noninterest income to average assets | 0.7379% | 2,366 |
| Noninterest expense to average assets | 3.0164% | 3,614 |
| Loan and lease loss provision to assets | 0.3232% | 3,477 |
| Net operating income to assets | 1.0127% | 2,137 |
| Return on assets (ROA) | 1.0127% | 2,204 |
| Pretax return on assets | 1.0127% | 3,044 |
| Return on Equity (ROE) | 12.5585% | 1,358 |
| Retained earnings to average equity (ytd only) | 8.4168% | 1,559 |
| Net charge-offs to loans | 0.0082% | 5,477 |
| Credit loss provision to net charge-offs | 6,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 248.0000% | 137 |
| Efficiency ratio | 69.3069% | 4,444 |
| Assets per employee ($millions) | 2.3411% | 7,401 |
| Cash dividends to net income (ytd only)* | 32.9787% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 5,145 |
| Loan loss allowance to noncurrent loans | 57.4021% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 2.1985% | 3,279 |
| Noncurrent loans to loans | 2.1973% | 3,530 |
| Net loans and leases to total assets | 62.8040% | 4,586 |
| Net loans and leases to deposits | 70.5224% | 5,264 |
| Net loans and leases to core deposits | 70.8729% | 5,838 |
| Total domestic deposits to total assets | 89.0555% | 1,491 |
| Equity capital to assets | 8.1173% | 6,523 |
| Core capital (leverage) ratio | 7.9943% | 6,250 |
| Tier 1 risk-based capital ratio | 13.6261% | 3,911 |
| Total risk-based capital ratio | 14.8781% | 3,869 |
| Memoranda: | ||
| Average total assets | $74,260,500 | 5,932 |
| Average earning assets | $68,864,000 | 5,882 |
| Average equity | $5,988,000 | 6,522 |
| Average total loans | $48,610,000 | 5,730 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1679% | 5,801 |
| Cost of funding earning assets | 1.6744% | 4,644 |
| Net interest margin | 3.4934% | 4,984 |
| Noninterest income to average assets | 0.7780% | 2,525 |
| Noninterest expense to average assets | 3.3425% | 2,863 |
| Loan and lease loss provision to assets | 0.5055% | 3,849 |
| Net operating income to assets | 0.1738% | 4,984 |
| Return on assets (ROA) | 0.2119% | 4,924 |
| Pretax return on assets | 0.2119% | 4,977 |
| Return on Equity (ROE) | 2.7983% | 4,589 |
| Retained earnings to average equity (ytd only) | 2.1900% | 3,576 |
| Net charge-offs to loans | 0.5890% | 3,451 |
| Credit loss provision to net charge-offs | 131.0580% | 3,870 |
| Earnings coverage of net charge-offs (x) | 1.7611% | 4,404 |
| Efficiency ratio | 83.1097% | 2,462 |
| Assets per employee ($millions) | 2.2305% | 7,545 |
| Cash dividends to net income (ytd only)* | 21.7391% | 3,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 5,929 |
| Loan loss allowance to noncurrent loans | 36.7707% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 2.8177% | 2,488 |
| Noncurrent loans to loans | 2.9736% | 2,587 |
| Net loans and leases to total assets | 66.6078% | 4,014 |
| Net loans and leases to deposits | 74.7686% | 4,913 |
| Net loans and leases to core deposits | 82.9956% | 5,816 |
| Total domestic deposits to total assets | 89.0853% | 1,443 |
| Equity capital to assets | 8.0087% | 6,571 |
| Core capital (leverage) ratio | 8.0326% | 6,112 |
| Tier 1 risk-based capital ratio | 12.4571% | 4,556 |
| Total risk-based capital ratio | 13.6136% | 4,593 |
| Memoranda: | ||
| Average total assets | $75,962,000 | 5,839 |
| Average earning assets | $70,532,000 | 5,798 |
| Average equity | $5,753,400 | 6,691 |
| Average total loans | $49,741,800 | 5,683 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2243% | 5,781 |
| Cost of funding earning assets | 1.8095% | 4,344 |
| Net interest margin | 3.4148% | 5,198 |
| Noninterest income to average assets | 0.6915% | 3,079 |
| Noninterest expense to average assets | 3.2936% | 2,941 |
| Loan and lease loss provision to assets | 0.6131% | 2,940 |
| Net operating income to assets | -0.0401% | 5,781 |
| Return on assets (ROA) | -0.0401% | 5,839 |
| Pretax return on assets | -0.0401% | 5,771 |
| Return on Equity (ROE) | -0.5364% | 5,860 |
| Retained earnings to average equity (ytd only) | -0.5364% | 5,358 |
| Net charge-offs to loans | 0.7633% | 2,449 |
| Credit loss provision to net charge-offs | 123.5088% | 4,085 |
| Earnings coverage of net charge-offs (x) | 1.1544% | 4,909 |
| Efficiency ratio | 85.1802% | 2,160 |
| Assets per employee ($millions) | 2.1103% | 7,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 6,021 |
| Loan loss allowance to noncurrent loans | 89.0034% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 1.9052% | 3,493 |
| Noncurrent loans to loans | 1.1768% | 4,976 |
| Net loans and leases to total assets | 68.2067% | 3,910 |
| Net loans and leases to deposits | 76.6841% | 4,941 |
| Net loans and leases to core deposits | 85.2017% | 5,948 |
| Total domestic deposits to total assets | 88.9451% | 1,221 |
| Equity capital to assets | 8.0919% | 6,755 |
| Core capital (leverage) ratio | 7.4977% | 6,974 |
| Tier 1 risk-based capital ratio | 11.9700% | 5,006 |
| Total risk-based capital ratio | 13.0599% | 5,089 |
| Memoranda: | ||
| Average total assets | $76,550,750 | 5,861 |
| Average earning assets | $71,178,500 | 5,812 |
| Average equity | $5,718,000 | 6,771 |
| Average total loans | $49,784,750 | 5,734 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1736% | 6,172 |
| Cost of funding earning assets | 1.9112% | 4,207 |
| Net interest margin | 3.2623% | 5,693 |
| Noninterest income to average assets | 0.6475% | 3,363 |
| Noninterest expense to average assets | 3.0505% | 3,877 |
| Loan and lease loss provision to assets | 0.6296% | 2,540 |
| Net operating income to assets | 0.0077% | 5,814 |
| Return on assets (ROA) | 0.0077% | 5,894 |
| Pretax return on assets | 0.0077% | 5,854 |
| Return on Equity (ROE) | 0.1055% | 5,887 |
| Retained earnings to average equity (ytd only) | 0.1055% | 5,163 |
| Net charge-offs to loans | 0.6855% | 2,332 |
| Credit loss provision to net charge-offs | 143.8596% | 3,221 |
| Earnings coverage of net charge-offs (x) | 1.4561% | 4,440 |
| Efficiency ratio | 82.7203% | 2,634 |
| Assets per employee ($millions) | 2.2915% | 7,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 5,766 |
| Loan loss allowance to noncurrent loans | 445.7627% | 723 |
| Noncurrent assets plus other real estate owned to assets | 1.2399% | 4,459 |
| Noncurrent loans to loans | 0.2406% | 6,914 |
| Net loans and leases to total assets | 62.2693% | 5,315 |
| Net loans and leases to deposits | 72.5291% | 5,663 |
| Net loans and leases to core deposits | 82.3681% | 6,210 |
| Total domestic deposits to total assets | 85.8542% | 2,860 |
| Equity capital to assets | 7.4779% | 7,290 |
| Core capital (leverage) ratio | 7.1987% | 7,359 |
| Tier 1 risk-based capital ratio | 11.8554% | 5,040 |
| Total risk-based capital ratio | 12.9465% | 5,132 |
| Memoranda: | ||
| Average total assets | $78,150,670 | 5,857 |
| Average earning assets | $72,832,000 | 5,795 |
| Average equity | $5,688,670 | 6,837 |
| Average total loans | $49,894,000 | 5,771 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1995% | 6,298 |
| Cost of funding earning assets | 1.9669% | 4,300 |
| Net interest margin | 3.2326% | 5,749 |
| Noninterest income to average assets | 0.6030% | 3,524 |
| Noninterest expense to average assets | 2.9487% | 3,981 |
| Loan and lease loss provision to assets | 0.5417% | 2,306 |
| Net operating income to assets | 0.1278% | 5,893 |
| Return on assets (ROA) | 0.1278% | 6,060 |
| Pretax return on assets | 0.1278% | 6,104 |
| Return on Equity (ROE) | 1.7794% | 5,846 |
| Retained earnings to average equity (ytd only) | 1.7794% | 4,858 |
| Net charge-offs to loans | 0.0477% | 4,815 |
| Credit loss provision to net charge-offs | 1,766.6667% | 362 |
| Earnings coverage of net charge-offs (x) | 21.8333% | 1,324 |
| Efficiency ratio | 81.4972% | 2,608 |
| Assets per employee ($millions) | 2.4254% | 7,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 5,397 |
| Loan loss allowance to noncurrent loans | 105.7582% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 1.4006% | 3,846 |
| Noncurrent loans to loans | 1.0494% | 4,886 |
| Net loans and leases to total assets | 61.3401% | 5,441 |
| Net loans and leases to deposits | 70.9993% | 5,867 |
| Net loans and leases to core deposits | 83.5406% | 6,093 |
| Total domestic deposits to total assets | 86.3954% | 2,503 |
| Equity capital to assets | 7.1603% | 7,592 |
| Core capital (leverage) ratio | 7.2340% | 7,448 |
| Tier 1 risk-based capital ratio | 11.7740% | 5,149 |
| Total risk-based capital ratio | 12.9048% | 5,164 |
| Memoranda: | ||
| Average total assets | $78,271,000 | 5,881 |
| Average earning assets | $73,007,000 | 5,814 |
| Average equity | $5,620,000 | 6,909 |
| Average total loans | $50,321,000 | 5,786 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0334% | 5,397 |
| Cost of funding earning assets | 2.6017% | 3,676 |
| Net interest margin | 3.4316% | 5,541 |
| Noninterest income to average assets | 0.6878% | 3,201 |
| Noninterest expense to average assets | 3.1326% | 3,576 |
| Loan and lease loss provision to assets | 0.6125% | 2,380 |
| Net operating income to assets | 0.1707% | 5,937 |
| Return on assets (ROA) | 0.1707% | 5,768 |
| Pretax return on assets | 0.1707% | 5,794 |
| Return on Equity (ROE) | 2.4362% | 5,448 |
| Retained earnings to average equity (ytd only) | 0.3583% | 5,029 |
| Net charge-offs to loans | 0.9252% | 1,341 |
| Credit loss provision to net charge-offs | 98.9858% | 5,418 |
| Earnings coverage of net charge-offs (x) | 1.2657% | 5,495 |
| Efficiency ratio | 80.0000% | 2,600 |
| Assets per employee ($millions) | 2.2501% | 7,634 |
| Cash dividends to net income (ytd only)* | 85.2941% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8844% | 6,757 |
| Loan loss allowance to noncurrent loans | 104.6404% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 1.3843% | 3,421 |
| Noncurrent loans to loans | 0.8452% | 4,936 |
| Net loans and leases to total assets | 66.0680% | 4,834 |
| Net loans and leases to deposits | 77.9603% | 5,343 |
| Net loans and leases to core deposits | 90.6977% | 5,746 |
| Total domestic deposits to total assets | 84.7457% | 2,956 |
| Equity capital to assets | 7.2010% | 7,626 |
| Core capital (leverage) ratio | 7.4924% | 7,212 |
| Tier 1 risk-based capital ratio | 11.7092% | 5,049 |
| Total risk-based capital ratio | 12.6338% | 5,252 |
| Memoranda: | ||
| Average total assets | $79,678,400 | 5,715 |
| Average earning assets | $74,949,800 | 5,626 |
| Average equity | $5,582,400 | 6,954 |
| Average total loans | $53,284,400 | 5,564 |