Home > South Central Bank of Daviess County, Inc. > Performance and Condition Ratios
South Central Bank of Daviess County, Inc., Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4123% | 5,507 |
| Cost of funding earning assets | 0.3168% | 4,614 |
| Net interest margin | 3.0955% | 5,218 |
| Noninterest income to average assets | 0.7271% | 2,174 |
| Noninterest expense to average assets | 3.0990% | 2,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4264% | 5,128 |
| Return on assets (ROA) | 0.4264% | 5,202 |
| Pretax return on assets | 0.5821% | 4,998 |
| Return on Equity (ROE) | 5.0174% | 4,654 |
| Retained earnings to average equity (ytd only) | 1.3976% | 5,142 |
| Net charge-offs to loans | 0.1254% | 2,777 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 9.4609% | 2,745 |
| Efficiency ratio | 84.1860% | 1,390 |
| Assets per employee ($millions) | 5.4059% | 1,858 |
| Cash dividends to net income (ytd only)* | 72.1455% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8606% | 1,397 |
| Loan loss allowance to noncurrent loans | 575.5034% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.6255% | 3,709 |
| Noncurrent loans to loans | 0.3233% | 4,681 |
| Net loans and leases to total assets | 44.0346% | 5,463 |
| Net loans and leases to deposits | 59.6815% | 4,932 |
| Net loans and leases to core deposits | 64.3953% | 4,798 |
| Total domestic deposits to total assets | 73.7826% | 5,962 |
| Equity capital to assets | 8.0010% | 6,069 |
| Core capital (leverage) ratio | 8.6592% | 5,381 |
| Tier 1 risk-based capital ratio | 16.6577% | 2,653 |
| Total risk-based capital ratio | 17.9134% | 2,595 |
| Memoranda: | ||
| Average total assets | $186,900,600 | 3,135 |
| Average earning assets | $178,356,200 | 3,066 |
| Average equity | $15,884,600 | 3,686 |
| Average total loans | $91,685,800 | 3,595 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5020% | 5,389 |
| Cost of funding earning assets | 0.3279% | 4,582 |
| Net interest margin | 3.1741% | 5,048 |
| Noninterest income to average assets | 0.8061% | 1,872 |
| Noninterest expense to average assets | 3.1798% | 2,239 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4725% | 4,983 |
| Return on assets (ROA) | 0.4725% | 5,062 |
| Pretax return on assets | 0.6496% | 4,874 |
| Return on Equity (ROE) | 5.4698% | 4,503 |
| Retained earnings to average equity (ytd only) | 2.5486% | 4,771 |
| Net charge-offs to loans | 0.0932% | 2,882 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 13.8752% | 2,186 |
| Efficiency ratio | 83.0372% | 1,490 |
| Assets per employee ($millions) | 4.3605% | 3,193 |
| Cash dividends to net income (ytd only)* | 53.4059% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9579% | 1,334 |
| Loan loss allowance to noncurrent loans | 356.7677% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.7815% | 3,474 |
| Noncurrent loans to loans | 0.5488% | 4,274 |
| Net loans and leases to total assets | 50.7023% | 4,925 |
| Net loans and leases to deposits | 58.1833% | 5,089 |
| Net loans and leases to core deposits | 62.3477% | 5,013 |
| Total domestic deposits to total assets | 87.1424% | 2,236 |
| Equity capital to assets | 9.2714% | 5,060 |
| Core capital (leverage) ratio | 9.2351% | 4,731 |
| Tier 1 risk-based capital ratio | 17.3845% | 2,437 |
| Total risk-based capital ratio | 18.6423% | 2,397 |
| Memoranda: | ||
| Average total assets | $182,269,500 | 3,210 |
| Average earning assets | $173,610,000 | 3,143 |
| Average equity | $15,746,750 | 3,726 |
| Average total loans | $91,564,000 | 3,625 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4707% | 5,475 |
| Cost of funding earning assets | 0.3262% | 4,682 |
| Net interest margin | 3.1445% | 5,107 |
| Noninterest income to average assets | 0.7756% | 1,935 |
| Noninterest expense to average assets | 3.2247% | 2,116 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4013% | 5,216 |
| Return on assets (ROA) | 0.4013% | 5,295 |
| Pretax return on assets | 0.5441% | 5,149 |
| Return on Equity (ROE) | 4.7548% | 4,792 |
| Retained earnings to average equity (ytd only) | 2.1916% | 4,793 |
| Net charge-offs to loans | -0.0326% | 5,716 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5626% | 1,312 |
| Assets per employee ($millions) | 4.2318% | 3,406 |
| Cash dividends to net income (ytd only)* | 53.9084% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0231% | 1,324 |
| Loan loss allowance to noncurrent loans | 555.7229% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.6937% | 3,905 |
| Noncurrent loans to loans | 0.3640% | 4,900 |
| Net loans and leases to total assets | 50.2729% | 4,932 |
| Net loans and leases to deposits | 58.2500% | 5,018 |
| Net loans and leases to core deposits | 61.8957% | 4,975 |
| Total domestic deposits to total assets | 86.3054% | 2,877 |
| Equity capital to assets | 9.0005% | 5,299 |
| Core capital (leverage) ratio | 9.3474% | 4,534 |
| Tier 1 risk-based capital ratio | 17.0616% | 2,592 |
| Total risk-based capital ratio | 18.3195% | 2,553 |
| Memoranda: | ||
| Average total assets | $184,886,670 | 3,208 |
| Average earning assets | $175,990,000 | 3,126 |
| Average equity | $15,605,330 | 3,751 |
| Average total loans | $92,018,670 | 3,637 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4812% | 5,480 |
| Cost of funding earning assets | 0.3285% | 4,754 |
| Net interest margin | 3.1527% | 5,081 |
| Noninterest income to average assets | 0.8235% | 1,658 |
| Noninterest expense to average assets | 3.2494% | 2,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4160% | 5,061 |
| Return on assets (ROA) | 0.4160% | 5,130 |
| Pretax return on assets | 0.5688% | 4,939 |
| Return on Equity (ROE) | 5.0878% | 4,505 |
| Retained earnings to average equity (ytd only) | 1.4536% | 5,036 |
| Net charge-offs to loans | -0.0087% | 4,996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1028% | 1,533 |
| Assets per employee ($millions) | 4.1950% | 3,535 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9942% | 1,525 |
| Loan loss allowance to noncurrent loans | 616.8350% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.6907% | 4,036 |
| Noncurrent loans to loans | 0.3233% | 5,138 |
| Net loans and leases to total assets | 51.1005% | 4,784 |
| Net loans and leases to deposits | 59.2380% | 4,827 |
| Net loans and leases to core deposits | 63.1038% | 4,778 |
| Total domestic deposits to total assets | 86.2631% | 3,225 |
| Equity capital to assets | 8.8711% | 5,255 |
| Core capital (leverage) ratio | 8.9174% | 5,119 |
| Tier 1 risk-based capital ratio | 16.9466% | 2,718 |
| Total risk-based capital ratio | 18.2048% | 2,663 |
| Memoranda: | ||
| Average total assets | $188,463,000 | 3,183 |
| Average earning assets | $179,020,500 | 3,112 |
| Average equity | $15,409,500 | 3,792 |
| Average total loans | $92,429,500 | 3,646 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4996% | 5,646 |
| Cost of funding earning assets | 0.3968% | 4,687 |
| Net interest margin | 3.1028% | 5,305 |
| Noninterest income to average assets | 0.9354% | 1,564 |
| Noninterest expense to average assets | 3.3295% | 2,051 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3943% | 5,169 |
| Return on assets (ROA) | 0.3951% | 5,275 |
| Pretax return on assets | 0.5435% | 5,063 |
| Return on Equity (ROE) | 4.7637% | 4,737 |
| Retained earnings to average equity (ytd only) | 2.8531% | 4,216 |
| Net charge-offs to loans | 0.1656% | 3,155 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 6.6258% | 3,019 |
| Efficiency ratio | 85.9910% | 1,415 |
| Assets per employee ($millions) | 4.5622% | 2,796 |
| Cash dividends to net income (ytd only)* | 40.1070% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9679% | 1,628 |
| Loan loss allowance to noncurrent loans | 271.1111% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 1.8656% | 1,959 |
| Noncurrent loans to loans | 0.7259% | 4,150 |
| Net loans and leases to total assets | 45.4144% | 5,541 |
| Net loans and leases to deposits | 60.8638% | 4,847 |
| Net loans and leases to core deposits | 64.7948% | 4,799 |
| Total domestic deposits to total assets | 74.6164% | 6,237 |
| Equity capital to assets | 7.5667% | 6,252 |
| Core capital (leverage) ratio | 8.5051% | 5,669 |
| Tier 1 risk-based capital ratio | 16.0691% | 3,066 |
| Total risk-based capital ratio | 17.3260% | 3,022 |
| Memoranda: | ||
| Average total assets | $189,338,400 | 3,172 |
| Average earning assets | $179,194,000 | 3,081 |
| Average equity | $15,702,000 | 3,749 |
| Average total loans | $93,590,600 | 3,610 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5707% | 5,525 |
| Cost of funding earning assets | 0.4156% | 4,668 |
| Net interest margin | 3.1551% | 5,133 |
| Noninterest income to average assets | 0.9959% | 1,467 |
| Noninterest expense to average assets | 3.3474% | 1,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4544% | 5,011 |
| Return on assets (ROA) | 0.4554% | 5,144 |
| Pretax return on assets | 0.6349% | 4,901 |
| Return on Equity (ROE) | 5.3651% | 4,529 |
| Retained earnings to average equity (ytd only) | 2.8384% | 4,621 |
| Net charge-offs to loans | 0.1550% | 3,000 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 8.1284% | 2,674 |
| Efficiency ratio | 84.0876% | 1,585 |
| Assets per employee ($millions) | 4.0249% | 3,779 |
| Cash dividends to net income (ytd only)* | 47.0959% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9920% | 1,740 |
| Loan loss allowance to noncurrent loans | 262.0112% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 2.1734% | 1,835 |
| Noncurrent loans to loans | 0.7603% | 4,330 |
| Net loans and leases to total assets | 52.1198% | 4,862 |
| Net loans and leases to deposits | 59.9322% | 4,979 |
| Net loans and leases to core deposits | 64.0139% | 4,903 |
| Total domestic deposits to total assets | 86.9645% | 2,710 |
| Equity capital to assets | 8.6604% | 5,555 |
| Core capital (leverage) ratio | 8.8375% | 5,352 |
| Tier 1 risk-based capital ratio | 15.8865% | 3,259 |
| Total risk-based capital ratio | 17.1447% | 3,200 |
| Memoranda: | ||
| Average total assets | $186,489,000 | 3,234 |
| Average earning assets | $176,430,500 | 3,152 |
| Average equity | $15,830,250 | 3,771 |
| Average total loans | $93,740,000 | 3,631 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5256% | 5,640 |
| Cost of funding earning assets | 0.4232% | 4,729 |
| Net interest margin | 3.1024% | 5,270 |
| Noninterest income to average assets | 0.9904% | 1,555 |
| Noninterest expense to average assets | 3.4036% | 1,813 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3824% | 5,281 |
| Return on assets (ROA) | 0.3839% | 5,439 |
| Pretax return on assets | 0.5274% | 5,278 |
| Return on Equity (ROE) | 4.5515% | 4,972 |
| Retained earnings to average equity (ytd only) | 1.4255% | 5,311 |
| Net charge-offs to loans | -0.0534% | 6,292 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6309% | 1,354 |
| Assets per employee ($millions) | 4.0952% | 3,592 |
| Cash dividends to net income (ytd only)* | 68.6813% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1643% | 1,496 |
| Loan loss allowance to noncurrent loans | 203.4413% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 2.2931% | 1,887 |
| Noncurrent loans to loans | 1.0639% | 3,798 |
| Net loans and leases to total assets | 50.4248% | 5,064 |
| Net loans and leases to deposits | 58.0679% | 5,154 |
| Net loans and leases to core deposits | 62.1278% | 5,084 |
| Total domestic deposits to total assets | 86.8377% | 2,920 |
| Equity capital to assets | 8.5216% | 5,745 |
| Core capital (leverage) ratio | 8.8824% | 5,172 |
| Tier 1 risk-based capital ratio | 15.8584% | 3,286 |
| Total risk-based capital ratio | 17.1180% | 3,224 |
| Memoranda: | ||
| Average total assets | $189,620,670 | 3,200 |
| Average earning assets | $179,600,330 | 3,116 |
| Average equity | $15,994,670 | 3,772 |
| Average total loans | $93,594,330 | 3,642 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4687% | 5,786 |
| Cost of funding earning assets | 0.4382% | 4,723 |
| Net interest margin | 3.0305% | 5,481 |
| Noninterest income to average assets | 0.8645% | 1,885 |
| Noninterest expense to average assets | 3.3324% | 2,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3036% | 5,554 |
| Return on assets (ROA) | 0.3067% | 5,671 |
| Pretax return on assets | 0.4117% | 5,532 |
| Return on Equity (ROE) | 3.6532% | 5,268 |
| Retained earnings to average equity (ytd only) | 0.5884% | 5,591 |
| Net charge-offs to loans | -0.0426% | 6,062 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1029% | 1,225 |
| Assets per employee ($millions) | 4.3289% | 3,281 |
| Cash dividends to net income (ytd only)* | 83.8926% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1514% | 1,689 |
| Loan loss allowance to noncurrent loans | 98.7135% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 2.5235% | 1,818 |
| Noncurrent loans to loans | 2.1794% | 2,412 |
| Net loans and leases to total assets | 49.9054% | 5,005 |
| Net loans and leases to deposits | 57.2352% | 5,113 |
| Net loans and leases to core deposits | 61.2921% | 5,018 |
| Total domestic deposits to total assets | 87.1935% | 2,839 |
| Equity capital to assets | 8.9614% | 5,537 |
| Core capital (leverage) ratio | 8.5590% | 5,500 |
| Tier 1 risk-based capital ratio | 16.0352% | 3,243 |
| Total risk-based capital ratio | 17.2957% | 3,196 |
| Memoranda: | ||
| Average total assets | $194,336,500 | 3,168 |
| Average earning assets | $184,393,000 | 3,092 |
| Average equity | $16,314,500 | 3,772 |
| Average total loans | $93,956,500 | 3,652 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6703% | 6,100 |
| Cost of funding earning assets | 0.5502% | 4,817 |
| Net interest margin | 3.1201% | 5,765 |
| Noninterest income to average assets | 0.8583% | 1,999 |
| Noninterest expense to average assets | 3.3853% | 2,090 |
| Loan and lease loss provision to assets | 0.1609% | 3,604 |
| Net operating income to assets | 0.2314% | 5,698 |
| Return on assets (ROA) | 0.2327% | 5,889 |
| Pretax return on assets | 0.2985% | 5,817 |
| Return on Equity (ROE) | 2.6073% | 5,705 |
| Retained earnings to average equity (ytd only) | -0.5081% | 5,939 |
| Net charge-offs to loans | 0.3960% | 2,669 |
| Credit loss provision to net charge-offs | 76.2148% | 3,959 |
| Earnings coverage of net charge-offs (x) | 2.1688% | 4,333 |
| Efficiency ratio | 88.0882% | 1,234 |
| Assets per employee ($millions) | 4.3096% | 3,334 |
| Cash dividends to net income (ytd only)* | 119.4896% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0855% | 1,804 |
| Loan loss allowance to noncurrent loans | 94.6139% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 2.3195% | 2,118 |
| Noncurrent loans to loans | 2.2042% | 2,459 |
| Net loans and leases to total assets | 45.0539% | 5,720 |
| Net loans and leases to deposits | 60.8910% | 4,928 |
| Net loans and leases to core deposits | 66.0010% | 4,736 |
| Total domestic deposits to total assets | 73.9910% | 6,528 |
| Equity capital to assets | 7.8972% | 6,462 |
| Core capital (leverage) ratio | 8.4455% | 5,700 |
| Tier 1 risk-based capital ratio | 15.7841% | 3,274 |
| Total risk-based capital ratio | 17.0439% | 3,227 |
| Memoranda: | ||
| Average total assets | $185,244,400 | 3,237 |
| Average earning assets | $177,207,800 | 3,131 |
| Average equity | $16,530,800 | 3,696 |
| Average total loans | $98,739,000 | 3,557 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8070% | 6,009 |
| Cost of funding earning assets | 0.5753% | 4,870 |
| Net interest margin | 3.2318% | 5,609 |
| Noninterest income to average assets | 0.8533% | 2,011 |
| Noninterest expense to average assets | 3.4118% | 1,973 |
| Loan and lease loss provision to assets | 0.0044% | 5,751 |
| Net operating income to assets | 0.3891% | 5,295 |
| Return on assets (ROA) | 0.3907% | 5,500 |
| Pretax return on assets | 0.5338% | 5,364 |
| Return on Equity (ROE) | 4.2381% | 5,177 |
| Retained earnings to average equity (ytd only) | 1.6245% | 5,521 |
| Net charge-offs to loans | 0.0509% | 4,943 |
| Credit loss provision to net charge-offs | 15.7895% | 5,011 |
| Earnings coverage of net charge-offs (x) | 19.0247% | 1,521 |
| Efficiency ratio | 86.4225% | 1,348 |
| Assets per employee ($millions) | 3.8828% | 4,126 |
| Cash dividends to net income (ytd only)* | 61.6694% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0933% | 1,921 |
| Loan loss allowance to noncurrent loans | 41.3083% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 2.8765% | 1,824 |
| Noncurrent loans to loans | 5.0674% | 888 |
| Net loans and leases to total assets | 54.7695% | 4,626 |
| Net loans and leases to deposits | 63.4719% | 4,780 |
| Net loans and leases to core deposits | 68.9865% | 4,611 |
| Total domestic deposits to total assets | 86.2893% | 3,096 |
| Equity capital to assets | 9.5579% | 5,128 |
| Core capital (leverage) ratio | 9.2283% | 4,707 |
| Tier 1 risk-based capital ratio | 16.3939% | 3,066 |
| Total risk-based capital ratio | 17.6553% | 3,021 |
| Memoranda: | ||
| Average total assets | $179,840,750 | 3,353 |
| Average earning assets | $172,203,000 | 3,230 |
| Average equity | $16,579,500 | 3,721 |
| Average total loans | $99,628,000 | 3,566 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8439% | 6,046 |
| Cost of funding earning assets | 0.5786% | 5,082 |
| Net interest margin | 3.2652% | 5,547 |
| Noninterest income to average assets | 0.8439% | 1,990 |
| Noninterest expense to average assets | 3.3677% | 2,107 |
| Loan and lease loss provision to assets | 0.0066% | 5,573 |
| Net operating income to assets | 0.4347% | 5,101 |
| Return on assets (ROA) | 0.4363% | 5,317 |
| Pretax return on assets | 0.6048% | 5,116 |
| Return on Equity (ROE) | 4.7886% | 4,911 |
| Retained earnings to average equity (ytd only) | 1.7655% | 5,311 |
| Net charge-offs to loans | 0.0419% | 4,790 |
| Credit loss provision to net charge-offs | 28.5714% | 4,461 |
| Earnings coverage of net charge-offs (x) | 26.3333% | 1,168 |
| Efficiency ratio | 84.6814% | 1,567 |
| Assets per employee ($millions) | 3.5405% | 4,889 |
| Cash dividends to net income (ytd only)* | 63.1313% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1277% | 1,931 |
| Loan loss allowance to noncurrent loans | 47.4362% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 2.6056% | 2,127 |
| Noncurrent loans to loans | 4.4854% | 1,185 |
| Net loans and leases to total assets | 55.8396% | 4,493 |
| Net loans and leases to deposits | 64.9632% | 4,648 |
| Net loans and leases to core deposits | 71.1682% | 4,395 |
| Total domestic deposits to total assets | 85.9558% | 3,377 |
| Equity capital to assets | 9.7769% | 4,658 |
| Core capital (leverage) ratio | 9.3109% | 4,436 |
| Tier 1 risk-based capital ratio | 16.3498% | 2,983 |
| Total risk-based capital ratio | 17.6113% | 2,950 |
| Memoranda: | ||
| Average total assets | $181,546,000 | 3,329 |
| Average earning assets | $174,200,000 | 3,215 |
| Average equity | $16,539,330 | 3,722 |
| Average total loans | $100,256,670 | 3,564 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8287% | 6,188 |
| Cost of funding earning assets | 0.5692% | 5,370 |
| Net interest margin | 3.2595% | 5,609 |
| Noninterest income to average assets | 0.9074% | 1,712 |
| Noninterest expense to average assets | 3.3200% | 2,229 |
| Loan and lease loss provision to assets | 0.0128% | 5,147 |
| Net operating income to assets | 0.5008% | 4,828 |
| Return on assets (ROA) | 0.5039% | 5,020 |
| Pretax return on assets | 0.7088% | 4,761 |
| Return on Equity (ROE) | 5.7207% | 4,445 |
| Retained earnings to average equity (ytd only) | 3.9027% | 4,249 |
| Net charge-offs to loans | -0.1099% | 6,824 |
| Credit loss provision to net charge-offs | -21.4286% | 5,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2316% | 1,911 |
| Assets per employee ($millions) | 3.8167% | 4,387 |
| Cash dividends to net income (ytd only)* | 31.7797% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0950% | 2,109 |
| Loan loss allowance to noncurrent loans | 40.7879% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 3.0188% | 1,921 |
| Noncurrent loans to loans | 5.1363% | 1,075 |
| Net loans and leases to total assets | 56.2172% | 4,348 |
| Net loans and leases to deposits | 65.4805% | 4,437 |
| Net loans and leases to core deposits | 71.8241% | 4,179 |
| Total domestic deposits to total assets | 85.8534% | 3,615 |
| Equity capital to assets | 9.4379% | 4,888 |
| Core capital (leverage) ratio | 9.0931% | 4,694 |
| Tier 1 risk-based capital ratio | 15.7593% | 3,313 |
| Total risk-based capital ratio | 17.0205% | 3,275 |
| Memoranda: | ||
| Average total assets | $187,348,000 | 3,267 |
| Average earning assets | $179,905,000 | 3,147 |
| Average equity | $16,501,500 | 3,730 |
| Average total loans | $101,906,000 | 3,546 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 5,912 |
| Cost of funding earning assets | 0.6529% | 5,810 |
| Net interest margin | 3.5984% | 4,739 |
| Noninterest income to average assets | 0.8329% | 1,915 |
| Noninterest expense to average assets | 3.5021% | 1,973 |
| Loan and lease loss provision to assets | 0.3908% | 2,647 |
| Net operating income to assets | 0.2657% | 5,384 |
| Return on assets (ROA) | 0.3713% | 5,159 |
| Pretax return on assets | 0.5157% | 4,944 |
| Return on Equity (ROE) | 4.1377% | 4,785 |
| Retained earnings to average equity (ytd only) | 1.6526% | 5,030 |
| Net charge-offs to loans | 0.1642% | 4,839 |
| Credit loss provision to net charge-offs | 400.5714% | 573 |
| Earnings coverage of net charge-offs (x) | 7.7886% | 2,262 |
| Efficiency ratio | 82.1714% | 1,993 |
| Assets per employee ($millions) | 4.2367% | 3,399 |
| Cash dividends to net income (ytd only)* | 60.0601% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0175% | 2,222 |
| Loan loss allowance to noncurrent loans | 37.0542% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 2.8635% | 2,108 |
| Noncurrent loans to loans | 5.4447% | 975 |
| Net loans and leases to total assets | 50.6822% | 5,504 |
| Net loans and leases to deposits | 70.2037% | 4,061 |
| Net loans and leases to core deposits | 77.0015% | 3,827 |
| Total domestic deposits to total assets | 72.1931% | 6,863 |
| Equity capital to assets | 8.2525% | 6,386 |
| Core capital (leverage) ratio | 8.8335% | 5,052 |
| Tier 1 risk-based capital ratio | 15.2682% | 3,472 |
| Total risk-based capital ratio | 16.5278% | 3,424 |
| Memoranda: | ||
| Average total assets | $179,377,400 | 3,345 |
| Average earning assets | $170,937,800 | 3,229 |
| Average equity | $16,096,000 | 3,710 |
| Average total loans | $106,585,800 | 3,458 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 5,414 |
| Cost of funding earning assets | 0.6860% | 5,845 |
| Net interest margin | 3.7686% | 4,020 |
| Noninterest income to average assets | 0.7926% | 2,089 |
| Noninterest expense to average assets | 3.5778% | 1,761 |
| Loan and lease loss provision to assets | 0.5236% | 1,888 |
| Net operating income to assets | 0.1974% | 5,708 |
| Return on assets (ROA) | 0.3386% | 5,432 |
| Pretax return on assets | 0.4662% | 5,272 |
| Return on Equity (ROE) | 3.6889% | 5,127 |
| Retained earnings to average equity (ytd only) | 1.8153% | 5,228 |
| Net charge-offs to loans | 0.1848% | 4,320 |
| Credit loss provision to net charge-offs | 459.7315% | 603 |
| Earnings coverage of net charge-offs (x) | 6.9934% | 2,441 |
| Efficiency ratio | 81.7928% | 2,007 |
| Assets per employee ($millions) | 3.5101% | 4,970 |
| Cash dividends to net income (ytd only)* | 50.7898% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9929% | 2,356 |
| Loan loss allowance to noncurrent loans | 39.8321% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 3.1961% | 2,000 |
| Noncurrent loans to loans | 5.0033% | 1,245 |
| Net loans and leases to total assets | 60.9449% | 3,953 |
| Net loans and leases to deposits | 71.1520% | 4,114 |
| Net loans and leases to core deposits | 78.7120% | 3,799 |
| Total domestic deposits to total assets | 85.6545% | 3,412 |
| Equity capital to assets | 9.7504% | 4,704 |
| Core capital (leverage) ratio | 9.4114% | 4,287 |
| Tier 1 risk-based capital ratio | 15.4499% | 3,414 |
| Total risk-based capital ratio | 16.7107% | 3,381 |
| Memoranda: | ||
| Average total assets | $174,440,000 | 3,441 |
| Average earning assets | $165,786,750 | 3,325 |
| Average equity | $16,011,750 | 3,737 |
| Average total loans | $107,482,250 | 3,474 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4911% | 5,383 |
| Cost of funding earning assets | 0.6948% | 5,996 |
| Net interest margin | 3.7963% | 3,796 |
| Noninterest income to average assets | 0.6745% | 2,683 |
| Noninterest expense to average assets | 3.5698% | 1,813 |
| Loan and lease loss provision to assets | 0.7062% | 1,339 |
| Net operating income to assets | 0.0013% | 6,221 |
| Return on assets (ROA) | 0.2222% | 5,775 |
| Pretax return on assets | 0.2902% | 5,695 |
| Return on Equity (ROE) | 2.4696% | 5,614 |
| Retained earnings to average equity (ytd only) | 0.5796% | 5,622 |
| Net charge-offs to loans | 0.4521% | 2,768 |
| Credit loss provision to net charge-offs | 254.2857% | 1,193 |
| Earnings coverage of net charge-offs (x) | 2.5551% | 3,550 |
| Efficiency ratio | 83.4172% | 1,896 |
| Assets per employee ($millions) | 3.4394% | 5,104 |
| Cash dividends to net income (ytd only)* | 76.5306% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7969% | 3,006 |
| Loan loss allowance to noncurrent loans | 49.4238% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 2.4532% | 2,713 |
| Noncurrent loans to loans | 3.6357% | 1,933 |
| Net loans and leases to total assets | 63.8900% | 3,488 |
| Net loans and leases to deposits | 74.5327% | 3,713 |
| Net loans and leases to core deposits | 82.8754% | 3,379 |
| Total domestic deposits to total assets | 85.7208% | 3,486 |
| Equity capital to assets | 9.7466% | 4,467 |
| Core capital (leverage) ratio | 9.3069% | 4,244 |
| Tier 1 risk-based capital ratio | 14.9036% | 3,545 |
| Total risk-based capital ratio | 16.1610% | 3,516 |
| Memoranda: | ||
| Average total assets | $176,425,000 | 3,429 |
| Average earning assets | $167,532,330 | 3,317 |
| Average equity | $15,873,000 | 3,753 |
| Average total loans | $108,386,000 | 3,498 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2818% | 6,061 |
| Cost of funding earning assets | 0.6986% | 6,149 |
| Net interest margin | 3.5832% | 4,650 |
| Noninterest income to average assets | 0.8567% | 1,830 |
| Noninterest expense to average assets | 3.5718% | 1,823 |
| Loan and lease loss provision to assets | 0.9797% | 792 |
| Net operating income to assets | -0.1604% | 6,521 |
| Return on assets (ROA) | -0.1604% | 6,537 |
| Pretax return on assets | -0.2812% | 6,606 |
| Return on Equity (ROE) | -1.8523% | 6,569 |
| Retained earnings to average equity (ytd only) | -3.7554% | 6,386 |
| Net charge-offs to loans | 1.2491% | 1,113 |
| Credit loss provision to net charge-offs | 131.1765% | 2,110 |
| Earnings coverage of net charge-offs (x) | 0.9353% | 3,953 |
| Efficiency ratio | 83.6420% | 1,997 |
| Assets per employee ($millions) | 3.5358% | 4,910 |
| Cash dividends to net income (ytd only)* | -102.7397% | 7,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5153% | 4,134 |
| Loan loss allowance to noncurrent loans | 40.2916% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 2.7516% | 2,513 |
| Noncurrent loans to loans | 3.7607% | 1,961 |
| Net loans and leases to total assets | 63.4951% | 3,546 |
| Net loans and leases to deposits | 73.5547% | 3,835 |
| Net loans and leases to core deposits | 81.1681% | 3,576 |
| Total domestic deposits to total assets | 86.3237% | 3,328 |
| Equity capital to assets | 9.2483% | 4,818 |
| Core capital (leverage) ratio | 8.8608% | 4,835 |
| Tier 1 risk-based capital ratio | 14.6035% | 3,674 |
| Total risk-based capital ratio | 15.8578% | 3,627 |
| Memoranda: | ||
| Average total assets | $182,091,000 | 3,365 |
| Average earning assets | $173,477,500 | 3,242 |
| Average equity | $15,764,000 | 3,758 |
| Average total loans | $108,875,000 | 3,518 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7242% | 5,714 |
| Cost of funding earning assets | 0.9391% | 5,988 |
| Net interest margin | 3.7851% | 4,007 |
| Noninterest income to average assets | 0.9884% | 1,546 |
| Noninterest expense to average assets | 3.4603% | 2,274 |
| Loan and lease loss provision to assets | 0.4117% | 3,635 |
| Net operating income to assets | 0.4785% | 4,199 |
| Return on assets (ROA) | 0.4793% | 4,353 |
| Pretax return on assets | 0.6905% | 4,007 |
| Return on Equity (ROE) | 5.2951% | 3,949 |
| Retained earnings to average equity (ytd only) | 1.5618% | 4,749 |
| Net charge-offs to loans | 0.6634% | 3,021 |
| Credit loss provision to net charge-offs | 99.8634% | 4,633 |
| Earnings coverage of net charge-offs (x) | 2.6708% | 3,758 |
| Efficiency ratio | 75.8612% | 3,072 |
| Assets per employee ($millions) | 3.9687% | 3,853 |
| Cash dividends to net income (ytd only)* | 70.5053% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 4,364 |
| Loan loss allowance to noncurrent loans | 36.1014% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 2.5244% | 2,748 |
| Noncurrent loans to loans | 3.9684% | 1,836 |
| Net loans and leases to total assets | 54.9086% | 5,503 |
| Net loans and leases to deposits | 76.1857% | 3,810 |
| Net loans and leases to core deposits | 84.1037% | 3,583 |
| Total domestic deposits to total assets | 72.0721% | 7,076 |
| Equity capital to assets | 8.1413% | 6,332 |
| Core capital (leverage) ratio | 8.7714% | 4,898 |
| Tier 1 risk-based capital ratio | 15.0327% | 3,233 |
| Total risk-based capital ratio | 16.2864% | 3,184 |
| Memoranda: | ||
| Average total assets | $177,554,800 | 3,413 |
| Average earning assets | $167,603,600 | 3,326 |
| Average equity | $16,071,400 | 3,746 |
| Average total loans | $110,346,000 | 3,540 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8893% | 5,314 |
| Cost of funding earning assets | 1.0078% | 5,904 |
| Net interest margin | 3.8815% | 3,605 |
| Noninterest income to average assets | 0.9854% | 1,502 |
| Noninterest expense to average assets | 3.5616% | 1,876 |
| Loan and lease loss provision to assets | 0.0985% | 6,035 |
| Net operating income to assets | 0.6674% | 3,555 |
| Return on assets (ROA) | 0.6685% | 3,716 |
| Pretax return on assets | 0.9769% | 3,266 |
| Return on Equity (ROE) | 7.1826% | 3,266 |
| Retained earnings to average equity (ytd only) | 5.3229% | 2,755 |
| Net charge-offs to loans | 0.3945% | 3,708 |
| Credit loss provision to net charge-offs | 39.0244% | 6,028 |
| Earnings coverage of net charge-offs (x) | 4.2561% | 3,133 |
| Efficiency ratio | 76.8337% | 2,789 |
| Assets per employee ($millions) | 3.2995% | 5,462 |
| Cash dividends to net income (ytd only)* | 25.8916% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 5,380 |
| Loan loss allowance to noncurrent loans | 28.9846% | 6,391 |
| Noncurrent assets plus other real estate owned to assets | 3.0670% | 2,363 |
| Noncurrent loans to loans | 4.2133% | 1,732 |
| Net loans and leases to total assets | 65.0350% | 3,903 |
| Net loans and leases to deposits | 77.1839% | 3,982 |
| Net loans and leases to core deposits | 84.7058% | 3,846 |
| Total domestic deposits to total assets | 84.2599% | 3,977 |
| Equity capital to assets | 9.7940% | 4,422 |
| Core capital (leverage) ratio | 9.3809% | 4,087 |
| Tier 1 risk-based capital ratio | 14.9580% | 3,270 |
| Total risk-based capital ratio | 16.2085% | 3,258 |
| Memoranda: | ||
| Average total assets | $173,327,250 | 3,525 |
| Average earning assets | $162,992,500 | 3,441 |
| Average equity | $16,131,250 | 3,786 |
| Average total loans | $110,850,000 | 3,587 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8342% | 5,670 |
| Cost of funding earning assets | 1.0261% | 6,020 |
| Net interest margin | 3.8081% | 3,862 |
| Noninterest income to average assets | 0.9451% | 1,528 |
| Noninterest expense to average assets | 3.5175% | 1,990 |
| Loan and lease loss provision to assets | 0.0869% | 6,056 |
| Net operating income to assets | 0.6121% | 3,828 |
| Return on assets (ROA) | 0.6137% | 3,957 |
| Pretax return on assets | 0.9142% | 3,435 |
| Return on Equity (ROE) | 6.7064% | 3,440 |
| Retained earnings to average equity (ytd only) | 4.8331% | 2,994 |
| Net charge-offs to loans | 0.4420% | 3,214 |
| Credit loss provision to net charge-offs | 31.0204% | 5,718 |
| Earnings coverage of net charge-offs (x) | 3.5673% | 3,266 |
| Efficiency ratio | 77.8846% | 2,746 |
| Assets per employee ($millions) | 3.3262% | 5,371 |
| Cash dividends to net income (ytd only)* | 27.9330% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 5,099 |
| Loan loss allowance to noncurrent loans | 27.1001% | 6,542 |
| Noncurrent assets plus other real estate owned to assets | 3.4189% | 2,061 |
| Noncurrent loans to loans | 4.6707% | 1,535 |
| Net loans and leases to total assets | 64.9133% | 4,059 |
| Net loans and leases to deposits | 77.1002% | 4,145 |
| Net loans and leases to core deposits | 84.5900% | 4,056 |
| Total domestic deposits to total assets | 84.1935% | 4,014 |
| Equity capital to assets | 9.7534% | 4,335 |
| Core capital (leverage) ratio | 9.4567% | 3,885 |
| Tier 1 risk-based capital ratio | 14.8649% | 3,226 |
| Total risk-based capital ratio | 16.1165% | 3,201 |
| Memoranda: | ||
| Average total assets | $175,010,670 | 3,518 |
| Average earning assets | $164,123,000 | 3,443 |
| Average equity | $16,014,670 | 3,798 |
| Average total loans | $110,869,330 | 3,611 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8632% | 5,627 |
| Cost of funding earning assets | 1.0286% | 6,237 |
| Net interest margin | 3.8346% | 3,648 |
| Noninterest income to average assets | 0.9077% | 1,594 |
| Noninterest expense to average assets | 3.4523% | 2,102 |
| Loan and lease loss provision to assets | 0.0558% | 6,103 |
| Net operating income to assets | 0.6638% | 3,595 |
| Return on assets (ROA) | 0.6668% | 3,696 |
| Pretax return on assets | 0.9790% | 3,167 |
| Return on Equity (ROE) | 7.5166% | 3,104 |
| Retained earnings to average equity (ytd only) | 5.6311% | 2,800 |
| Net charge-offs to loans | 0.1147% | 4,291 |
| Credit loss provision to net charge-offs | 78.1250% | 3,928 |
| Earnings coverage of net charge-offs (x) | 14.4375% | 1,430 |
| Efficiency ratio | 77.0149% | 3,058 |
| Assets per employee ($millions) | 3.3783% | 5,345 |
| Cash dividends to net income (ytd only)* | 25.0836% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3921% | 4,458 |
| Loan loss allowance to noncurrent loans | 60.2494% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 1.8570% | 3,692 |
| Noncurrent loans to loans | 2.3105% | 3,376 |
| Net loans and leases to total assets | 66.1558% | 3,817 |
| Net loans and leases to deposits | 78.9229% | 3,858 |
| Net loans and leases to core deposits | 87.0413% | 3,743 |
| Total domestic deposits to total assets | 83.8234% | 4,236 |
| Equity capital to assets | 9.6940% | 4,234 |
| Core capital (leverage) ratio | 9.2159% | 4,197 |
| Tier 1 risk-based capital ratio | 14.3724% | 3,453 |
| Total risk-based capital ratio | 15.6251% | 3,415 |
| Memoranda: | ||
| Average total assets | $179,360,500 | 3,508 |
| Average earning assets | $167,214,500 | 3,440 |
| Average equity | $15,911,500 | 3,844 |
| Average total loans | $111,633,000 | 3,651 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2900% | 5,228 |
| Cost of funding earning assets | 1.4592% | 5,684 |
| Net interest margin | 3.8309% | 3,575 |
| Noninterest income to average assets | 0.8759% | 2,046 |
| Noninterest expense to average assets | 3.4981% | 2,377 |
| Loan and lease loss provision to assets | 0.2673% | 5,274 |
| Net operating income to assets | 0.4648% | 3,879 |
| Return on assets (ROA) | 0.4648% | 3,994 |
| Pretax return on assets | 0.7000% | 3,571 |
| Return on Equity (ROE) | 5.3347% | 3,513 |
| Retained earnings to average equity (ytd only) | 2.7450% | 3,233 |
| Net charge-offs to loans | 0.2675% | 4,944 |
| Credit loss provision to net charge-offs | 154.9020% | 2,942 |
| Earnings coverage of net charge-offs (x) | 5.6046% | 2,547 |
| Efficiency ratio | 78.3378% | 3,139 |
| Assets per employee ($millions) | 4.0247% | 3,769 |
| Cash dividends to net income (ytd only)* | 48.5437% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 4,292 |
| Loan loss allowance to noncurrent loans | 89.9538% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.1657% | 4,764 |
| Noncurrent loans to loans | 1.5435% | 4,339 |
| Net loans and leases to total assets | 57.2769% | 5,779 |
| Net loans and leases to deposits | 80.4237% | 3,905 |
| Net loans and leases to core deposits | 99.8709% | 4,014 |
| Total domestic deposits to total assets | 71.2189% | 7,313 |
| Equity capital to assets | 8.1662% | 6,380 |
| Core capital (leverage) ratio | 8.7522% | 4,836 |
| Tier 1 risk-based capital ratio | 12.9725% | 4,161 |
| Total risk-based capital ratio | 14.2243% | 4,107 |
| Memoranda: | ||
| Average total assets | $177,296,000 | 3,479 |
| Average earning assets | $166,123,200 | 3,407 |
| Average equity | $15,446,000 | 3,981 |
| Average total loans | $114,408,800 | 3,599 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4379% | 4,752 |
| Cost of funding earning assets | 1.5720% | 5,530 |
| Net interest margin | 3.8659% | 3,362 |
| Noninterest income to average assets | 1.0908% | 1,341 |
| Noninterest expense to average assets | 3.6663% | 1,897 |
| Loan and lease loss provision to assets | 0.0946% | 6,421 |
| Net operating income to assets | 0.6608% | 3,349 |
| Return on assets (ROA) | 0.6608% | 3,414 |
| Pretax return on assets | 0.9716% | 2,986 |
| Return on Equity (ROE) | 7.4547% | 2,881 |
| Retained earnings to average equity (ytd only) | 5.0682% | 2,449 |
| Net charge-offs to loans | 0.1983% | 4,828 |
| Credit loss provision to net charge-offs | 71.9298% | 5,944 |
| Earnings coverage of net charge-offs (x) | 8.1054% | 2,306 |
| Efficiency ratio | 77.4707% | 3,242 |
| Assets per employee ($millions) | 3.1578% | 5,762 |
| Cash dividends to net income (ytd only)* | 32.0143% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 5,070 |
| Loan loss allowance to noncurrent loans | 113.4794% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 1.1674% | 4,743 |
| Noncurrent loans to loans | 1.0625% | 5,191 |
| Net loans and leases to total assets | 67.2156% | 4,131 |
| Net loans and leases to deposits | 80.6353% | 4,269 |
| Net loans and leases to core deposits | 100.8737% | 4,276 |
| Total domestic deposits to total assets | 83.3575% | 4,037 |
| Equity capital to assets | 9.7305% | 4,450 |
| Core capital (leverage) ratio | 9.2333% | 4,288 |
| Tier 1 risk-based capital ratio | 13.9027% | 3,607 |
| Total risk-based capital ratio | 15.1528% | 3,547 |
| Memoranda: | ||
| Average total assets | $173,323,500 | 3,570 |
| Average earning assets | $163,270,250 | 3,489 |
| Average equity | $15,363,500 | 4,036 |
| Average total loans | $114,958,750 | 3,614 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4399% | 4,942 |
| Cost of funding earning assets | 1.6233% | 5,646 |
| Net interest margin | 3.8166% | 3,480 |
| Noninterest income to average assets | 1.1420% | 1,204 |
| Noninterest expense to average assets | 3.7502% | 1,742 |
| Loan and lease loss provision to assets | 0.1395% | 5,680 |
| Net operating income to assets | 0.5761% | 3,785 |
| Return on assets (ROA) | 0.5761% | 3,893 |
| Pretax return on assets | 0.8437% | 3,526 |
| Return on Equity (ROE) | 6.7024% | 3,328 |
| Retained earnings to average equity (ytd only) | 3.4040% | 3,428 |
| Net charge-offs to loans | 0.1861% | 4,402 |
| Credit loss provision to net charge-offs | 113.8889% | 4,072 |
| Earnings coverage of net charge-offs (x) | 8.0278% | 2,330 |
| Efficiency ratio | 79.2286% | 3,155 |
| Assets per employee ($millions) | 3.1085% | 5,844 |
| Cash dividends to net income (ytd only)* | 49.2126% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 4,719 |
| Loan loss allowance to noncurrent loans | 1,218.9655% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 7,093 |
| Noncurrent loans to loans | 0.1012% | 7,272 |
| Net loans and leases to total assets | 67.4241% | 4,270 |
| Net loans and leases to deposits | 80.4287% | 4,478 |
| Net loans and leases to core deposits | 102.4746% | 4,235 |
| Total domestic deposits to total assets | 83.8309% | 3,857 |
| Equity capital to assets | 9.1137% | 5,148 |
| Core capital (leverage) ratio | 8.7902% | 4,956 |
| Tier 1 risk-based capital ratio | 12.7715% | 4,303 |
| Total risk-based capital ratio | 14.0013% | 4,236 |
| Memoranda: | ||
| Average total assets | $176,362,670 | 3,534 |
| Average earning assets | $165,960,000 | 3,461 |
| Average equity | $15,158,670 | 4,088 |
| Average total loans | $116,038,670 | 3,625 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3315% | 5,746 |
| Cost of funding earning assets | 1.6093% | 5,994 |
| Net interest margin | 3.7222% | 3,793 |
| Noninterest income to average assets | 0.8460% | 2,097 |
| Noninterest expense to average assets | 3.4150% | 2,310 |
| Loan and lease loss provision to assets | 0.2724% | 3,776 |
| Net operating income to assets | 0.4274% | 4,756 |
| Return on assets (ROA) | 0.4274% | 4,930 |
| Pretax return on assets | 0.6622% | 4,549 |
| Return on Equity (ROE) | 5.1163% | 4,426 |
| Retained earnings to average equity (ytd only) | -0.1856% | 5,683 |
| Net charge-offs to loans | 0.1644% | 3,648 |
| Credit loss provision to net charge-offs | 256.2500% | 1,838 |
| Earnings coverage of net charge-offs (x) | 8.7917% | 2,146 |
| Efficiency ratio | 78.5132% | 3,080 |
| Assets per employee ($millions) | 3.0491% | 6,027 |
| Cash dividends to net income (ytd only)* | 103.6269% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 4,136 |
| Loan loss allowance to noncurrent loans | 1,150.7813% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 6,913 |
| Noncurrent loans to loans | 0.1120% | 7,212 |
| Net loans and leases to total assets | 66.0672% | 4,568 |
| Net loans and leases to deposits | 78.5948% | 4,833 |
| Net loans and leases to core deposits | 100.1296% | 4,525 |
| Total domestic deposits to total assets | 84.0605% | 3,679 |
| Equity capital to assets | 8.8842% | 5,505 |
| Core capital (leverage) ratio | 8.5351% | 5,463 |
| Tier 1 risk-based capital ratio | 12.5163% | 4,538 |
| Total risk-based capital ratio | 13.7667% | 4,453 |
| Memoranda: | ||
| Average total assets | $180,615,500 | 3,498 |
| Average earning assets | $170,008,500 | 3,424 |
| Average equity | $15,089,000 | 4,121 |
| Average total loans | $116,763,000 | 3,631 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3087% | 3,918 |
| Cost of funding earning assets | 2.2753% | 5,265 |
| Net interest margin | 4.0334% | 2,965 |
| Noninterest income to average assets | 0.6295% | 3,638 |
| Noninterest expense to average assets | 3.2270% | 3,231 |
| Loan and lease loss provision to assets | 0.4789% | 2,904 |
| Net operating income to assets | 0.4667% | 4,881 |
| Return on assets (ROA) | 0.5127% | 4,523 |
| Pretax return on assets | 0.7519% | 4,238 |
| Return on Equity (ROE) | 6.1728% | 3,873 |
| Retained earnings to average equity (ytd only) | 4.1356% | 2,553 |
| Net charge-offs to loans | 0.7110% | 1,739 |
| Credit loss provision to net charge-offs | 99.4145% | 5,396 |
| Earnings coverage of net charge-offs (x) | 2.4145% | 4,868 |
| Efficiency ratio | 73.5064% | 3,662 |
| Assets per employee ($millions) | 3.2841% | 5,250 |
| Cash dividends to net income (ytd only)* | 33.0033% | 3,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 4,863 |
| Loan loss allowance to noncurrent loans | 341.8317% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 6,427 |
| Noncurrent loans to loans | 0.3388% | 6,358 |
| Net loans and leases to total assets | 61.8761% | 5,639 |
| Net loans and leases to deposits | 87.3977% | 3,880 |
| Net loans and leases to core deposits | 110.2803% | 3,752 |
| Total domestic deposits to total assets | 70.7984% | 7,191 |
| Equity capital to assets | 7.8791% | 6,999 |
| Core capital (leverage) ratio | 8.4958% | 5,585 |
| Tier 1 risk-based capital ratio | 11.7940% | 4,986 |
| Total risk-based capital ratio | 12.9376% | 4,963 |
| Memoranda: | ||
| Average total assets | $177,284,200 | 3,444 |
| Average earning assets | $165,296,000 | 3,400 |
| Average equity | $14,725,800 | 4,188 |
| Average total loans | $120,110,800 | 3,456 |