Home > South Coastal Bank > Performance and Condition Ratios
South Coastal Bank, Performance and Condition Ratios
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0374% | 3,974 |
| Cost of funding earning assets | 0.9228% | 807 |
| Net interest margin | 3.1146% | 5,233 |
| Noninterest income to average assets | 0.9357% | 1,701 |
| Noninterest expense to average assets | 2.8352% | 3,562 |
| Loan and lease loss provision to assets | 0.1012% | 3,105 |
| Net operating income to assets | 0.5452% | 4,573 |
| Return on assets (ROA) | 0.5456% | 4,740 |
| Pretax return on assets | 0.8707% | 4,019 |
| Return on Equity (ROE) | 7.9360% | 3,131 |
| Retained earnings to average equity (ytd only) | 4.4165% | 3,463 |
| Net charge-offs to loans | 0.0489% | 3,991 |
| Credit loss provision to net charge-offs | 243.5484% | 1,035 |
| Earnings coverage of net charge-offs (x) | 23.3710% | 1,331 |
| Efficiency ratio | 74.4849% | 3,032 |
| Assets per employee ($millions) | 5.7848% | 1,357 |
| Cash dividends to net income (ytd only)* | 44.3489% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 4,594 |
| Loan loss allowance to noncurrent loans | 35.7715% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 3.2306% | 1,227 |
| Noncurrent loans to loans | 3.5846% | 1,156 |
| Net loans and leases to total assets | 83.8444% | 245 |
| Net loans and leases to deposits | 111.6593% | 118 |
| Net loans and leases to core deposits | 143.2748% | 116 |
| Total domestic deposits to total assets | 75.0895% | 6,349 |
| Equity capital to assets | 6.9727% | 6,611 |
| Core capital (leverage) ratio | 6.8525% | 6,649 |
| Tier 1 risk-based capital ratio | 8.8390% | 6,768 |
| Total risk-based capital ratio | 11.4318% | 6,569 |
| Memoranda: | ||
| Average total assets | $298,391,330 | 2,174 |
| Average earning assets | $275,026,000 | 2,156 |
| Average equity | $20,514,000 | 3,153 |
| Average total loans | $253,377,000 | 1,641 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0227% | 4,025 |
| Cost of funding earning assets | 0.9350% | 830 |
| Net interest margin | 3.0877% | 5,307 |
| Noninterest income to average assets | 0.9891% | 1,493 |
| Noninterest expense to average assets | 2.9073% | 3,315 |
| Loan and lease loss provision to assets | 0.1013% | 2,987 |
| Net operating income to assets | 0.5230% | 4,559 |
| Return on assets (ROA) | 0.5239% | 4,700 |
| Pretax return on assets | 0.8345% | 4,023 |
| Return on Equity (ROE) | 7.6737% | 3,125 |
| Retained earnings to average equity (ytd only) | 4.4715% | 3,552 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6766% | 2,976 |
| Assets per employee ($millions) | 6.3577% | 1,048 |
| Cash dividends to net income (ytd only)* | 41.7303% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 4,912 |
| Loan loss allowance to noncurrent loans | 41.6233% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 2.6167% | 1,742 |
| Noncurrent loans to loans | 3.0184% | 1,662 |
| Net loans and leases to total assets | 84.1693% | 185 |
| Net loans and leases to deposits | 114.2123% | 94 |
| Net loans and leases to core deposits | 146.3515% | 106 |
| Total domestic deposits to total assets | 73.6955% | 6,556 |
| Equity capital to assets | 6.8900% | 6,734 |
| Core capital (leverage) ratio | 6.5494% | 6,737 |
| Tier 1 risk-based capital ratio | 8.6730% | 6,832 |
| Total risk-based capital ratio | 11.2629% | 6,681 |
| Memoranda: | ||
| Average total assets | $300,075,000 | 2,189 |
| Average earning assets | $277,227,500 | 2,171 |
| Average equity | $20,485,500 | 3,197 |
| Average total loans | $254,778,500 | 1,639 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2266% | 4,488 |
| Cost of funding earning assets | 1.1113% | 868 |
| Net interest margin | 3.1153% | 5,779 |
| Noninterest income to average assets | 0.9885% | 1,564 |
| Noninterest expense to average assets | 3.0127% | 3,225 |
| Loan and lease loss provision to assets | 0.3439% | 1,949 |
| Net operating income to assets | 0.3230% | 5,388 |
| Return on assets (ROA) | 0.3191% | 5,608 |
| Pretax return on assets | 0.4919% | 5,303 |
| Return on Equity (ROE) | 4.5043% | 4,928 |
| Retained earnings to average equity (ytd only) | 2.6986% | 4,336 |
| Net charge-offs to loans | 0.0917% | 4,754 |
| Credit loss provision to net charge-offs | 456.8075% | 527 |
| Earnings coverage of net charge-offs (x) | 11.1831% | 2,059 |
| Efficiency ratio | 78.1608% | 2,423 |
| Assets per employee ($millions) | 5.4789% | 1,702 |
| Cash dividends to net income (ytd only)* | 40.0886% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 4,995 |
| Loan loss allowance to noncurrent loans | 29.9578% | 6,069 |
| Noncurrent assets plus other real estate owned to assets | 3.5040% | 1,291 |
| Noncurrent loans to loans | 4.0918% | 1,134 |
| Net loans and leases to total assets | 83.5358% | 245 |
| Net loans and leases to deposits | 111.2135% | 142 |
| Net loans and leases to core deposits | 148.7385% | 110 |
| Total domestic deposits to total assets | 75.1130% | 6,434 |
| Equity capital to assets | 6.7642% | 6,808 |
| Core capital (leverage) ratio | 6.6164% | 6,775 |
| Tier 1 risk-based capital ratio | 8.6461% | 6,881 |
| Total risk-based capital ratio | 11.2502% | 6,670 |
| Memoranda: | ||
| Average total assets | $282,967,200 | 2,245 |
| Average earning assets | $260,329,000 | 2,234 |
| Average equity | $20,047,600 | 3,201 |
| Average total loans | $232,176,000 | 1,753 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2832% | 4,515 |
| Cost of funding earning assets | 1.1324% | 936 |
| Net interest margin | 3.1507% | 5,821 |
| Noninterest income to average assets | 0.9297% | 1,737 |
| Noninterest expense to average assets | 3.0404% | 3,093 |
| Loan and lease loss provision to assets | 0.3578% | 1,821 |
| Net operating income to assets | 0.2803% | 5,679 |
| Return on assets (ROA) | 0.2749% | 5,892 |
| Pretax return on assets | 0.4191% | 5,673 |
| Return on Equity (ROE) | 3.8335% | 5,357 |
| Retained earnings to average equity (ytd only) | 2.0771% | 5,285 |
| Net charge-offs to loans | 0.0377% | 5,124 |
| Credit loss provision to net charge-offs | 1,167.1875% | 235 |
| Earnings coverage of net charge-offs (x) | 25.6098% | 1,241 |
| Efficiency ratio | 79.4792% | 2,174 |
| Assets per employee ($millions) | 5.0608% | 2,106 |
| Cash dividends to net income (ytd only)* | 45.8193% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 4,991 |
| Loan loss allowance to noncurrent loans | 33.1088% | 5,978 |
| Noncurrent assets plus other real estate owned to assets | 3.2357% | 1,584 |
| Noncurrent loans to loans | 3.8150% | 1,383 |
| Net loans and leases to total assets | 82.5705% | 303 |
| Net loans and leases to deposits | 108.3244% | 189 |
| Net loans and leases to core deposits | 137.2875% | 154 |
| Total domestic deposits to total assets | 76.2252% | 6,352 |
| Equity capital to assets | 7.0005% | 6,881 |
| Core capital (leverage) ratio | 6.7319% | 6,838 |
| Tier 1 risk-based capital ratio | 8.9627% | 6,942 |
| Total risk-based capital ratio | 11.6241% | 6,685 |
| Memoranda: | ||
| Average total assets | $278,374,500 | 2,308 |
| Average earning assets | $255,848,250 | 2,294 |
| Average equity | $19,963,750 | 3,243 |
| Average total loans | $226,507,750 | 1,811 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 4,514 |
| Cost of funding earning assets | 1.1549% | 1,003 |
| Net interest margin | 3.1586% | 5,847 |
| Noninterest income to average assets | 0.8763% | 1,874 |
| Noninterest expense to average assets | 3.0217% | 3,179 |
| Loan and lease loss provision to assets | 0.3258% | 2,020 |
| Net operating income to assets | 0.2821% | 5,667 |
| Return on assets (ROA) | 0.2720% | 5,894 |
| Pretax return on assets | 0.4116% | 5,684 |
| Return on Equity (ROE) | 3.7613% | 5,377 |
| Retained earnings to average equity (ytd only) | 2.3332% | 5,021 |
| Net charge-offs to loans | 0.0370% | 4,859 |
| Credit loss provision to net charge-offs | 1,092.6829% | 305 |
| Earnings coverage of net charge-offs (x) | 25.2439% | 1,202 |
| Efficiency ratio | 80.0578% | 2,163 |
| Assets per employee ($millions) | 4.8950% | 2,304 |
| Cash dividends to net income (ytd only)* | 37.9679% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 5,327 |
| Loan loss allowance to noncurrent loans | 25.3337% | 6,347 |
| Noncurrent assets plus other real estate owned to assets | 3.9421% | 1,311 |
| Noncurrent loans to loans | 4.7619% | 1,067 |
| Net loans and leases to total assets | 79.9282% | 518 |
| Net loans and leases to deposits | 107.2744% | 196 |
| Net loans and leases to core deposits | 136.4216% | 169 |
| Total domestic deposits to total assets | 74.5082% | 6,634 |
| Equity capital to assets | 7.0607% | 6,901 |
| Core capital (leverage) ratio | 6.8674% | 6,852 |
| Tier 1 risk-based capital ratio | 9.2399% | 6,954 |
| Total risk-based capital ratio | 11.9490% | 6,602 |
| Memoranda: | ||
| Average total assets | $275,011,000 | 2,337 |
| Average earning assets | $252,325,000 | 2,336 |
| Average equity | $19,887,000 | 3,238 |
| Average total loans | $221,599,000 | 1,836 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3056% | 4,712 |
| Cost of funding earning assets | 1.1826% | 1,059 |
| Net interest margin | 3.1230% | 5,974 |
| Noninterest income to average assets | 0.8530% | 1,936 |
| Noninterest expense to average assets | 3.0692% | 3,020 |
| Loan and lease loss provision to assets | 0.3326% | 1,880 |
| Net operating income to assets | 0.2211% | 5,917 |
| Return on assets (ROA) | 0.1966% | 6,144 |
| Pretax return on assets | 0.2853% | 6,012 |
| Return on Equity (ROE) | 2.6859% | 5,834 |
| Retained earnings to average equity (ytd only) | 1.1713% | 5,619 |
| Net charge-offs to loans | 0.0221% | 4,377 |
| Credit loss provision to net charge-offs | 1,875.0000% | 178 |
| Earnings coverage of net charge-offs (x) | 36.8333% | 798 |
| Efficiency ratio | 82.4464% | 1,879 |
| Assets per employee ($millions) | 4.9564% | 2,303 |
| Cash dividends to net income (ytd only)* | 56.3910% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 5,572 |
| Loan loss allowance to noncurrent loans | 25.8424% | 6,346 |
| Noncurrent assets plus other real estate owned to assets | 3.7032% | 1,528 |
| Noncurrent loans to loans | 4.5791% | 1,257 |
| Net loans and leases to total assets | 78.9407% | 491 |
| Net loans and leases to deposits | 104.9363% | 232 |
| Net loans and leases to core deposits | 133.0066% | 176 |
| Total domestic deposits to total assets | 75.2273% | 6,620 |
| Equity capital to assets | 7.2586% | 6,864 |
| Core capital (leverage) ratio | 6.9404% | 6,863 |
| Tier 1 risk-based capital ratio | 9.3806% | 6,979 |
| Total risk-based capital ratio | 12.1253% | 6,579 |
| Memoranda: | ||
| Average total assets | $270,561,000 | 2,378 |
| Average earning assets | $248,608,500 | 2,376 |
| Average equity | $19,807,500 | 3,247 |
| Average total loans | $217,550,500 | 1,877 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6753% | 4,351 |
| Cost of funding earning assets | 1.2235% | 1,882 |
| Net interest margin | 3.4517% | 5,322 |
| Noninterest income to average assets | 0.6545% | 2,864 |
| Noninterest expense to average assets | 3.2043% | 2,846 |
| Loan and lease loss provision to assets | 0.2739% | 3,481 |
| Net operating income to assets | 0.2310% | 5,485 |
| Return on assets (ROA) | 0.2988% | 5,413 |
| Pretax return on assets | 0.4233% | 5,218 |
| Return on Equity (ROE) | 4.0131% | 4,837 |
| Retained earnings to average equity (ytd only) | 2.3915% | 4,522 |
| Net charge-offs to loans | 0.5306% | 2,881 |
| Credit loss provision to net charge-offs | 67.5778% | 4,942 |
| Earnings coverage of net charge-offs (x) | 1.4844% | 4,655 |
| Efficiency ratio | 84.1899% | 1,746 |
| Assets per employee ($millions) | 5.4800% | 1,655 |
| Cash dividends to net income (ytd only)* | 40.4092% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 5,857 |
| Loan loss allowance to noncurrent loans | 32.2951% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 2.7719% | 2,190 |
| Noncurrent loans to loans | 3.3681% | 1,923 |
| Net loans and leases to total assets | 80.0559% | 490 |
| Net loans and leases to deposits | 103.8714% | 311 |
| Net loans and leases to core deposits | 128.5528% | 251 |
| Total domestic deposits to total assets | 77.0721% | 6,330 |
| Equity capital to assets | 7.3842% | 6,861 |
| Core capital (leverage) ratio | 7.1596% | 6,810 |
| Tier 1 risk-based capital ratio | 9.2189% | 7,001 |
| Total risk-based capital ratio | 11.8477% | 6,622 |
| Memoranda: | ||
| Average total assets | $261,742,000 | 2,414 |
| Average earning assets | $238,981,600 | 2,415 |
| Average equity | $19,486,000 | 3,215 |
| Average total loans | $199,961,000 | 2,046 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7057% | 4,432 |
| Cost of funding earning assets | 1.2216% | 2,179 |
| Net interest margin | 3.4842% | 5,248 |
| Noninterest income to average assets | 0.5789% | 3,308 |
| Noninterest expense to average assets | 3.1865% | 2,864 |
| Loan and lease loss provision to assets | 0.2241% | 3,768 |
| Net operating income to assets | 0.2399% | 5,592 |
| Return on assets (ROA) | 0.3235% | 5,478 |
| Pretax return on assets | 0.4640% | 5,276 |
| Return on Equity (ROE) | 4.3365% | 4,848 |
| Retained earnings to average equity (ytd only) | 3.0102% | 4,543 |
| Net charge-offs to loans | 0.4655% | 2,875 |
| Credit loss provision to net charge-offs | 63.9824% | 4,672 |
| Earnings coverage of net charge-offs (x) | 1.6237% | 4,426 |
| Efficiency ratio | 84.8580% | 1,646 |
| Assets per employee ($millions) | 5.1100% | 2,052 |
| Cash dividends to net income (ytd only)* | 30.5868% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 5,351 |
| Loan loss allowance to noncurrent loans | 35.7849% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 3.3951% | 1,867 |
| Noncurrent loans to loans | 3.4327% | 2,000 |
| Net loans and leases to total assets | 75.9618% | 982 |
| Net loans and leases to deposits | 94.5839% | 786 |
| Net loans and leases to core deposits | 116.6285% | 481 |
| Total domestic deposits to total assets | 80.3116% | 5,646 |
| Equity capital to assets | 7.5849% | 6,901 |
| Core capital (leverage) ratio | 7.2189% | 6,895 |
| Tier 1 risk-based capital ratio | 9.6580% | 7,028 |
| Total risk-based capital ratio | 12.4496% | 6,412 |
| Memoranda: | ||
| Average total assets | $260,047,500 | 2,432 |
| Average earning assets | $237,067,250 | 2,435 |
| Average equity | $19,400,500 | 3,228 |
| Average total loans | $195,618,750 | 2,099 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7205% | 4,445 |
| Cost of funding earning assets | 1.2014% | 2,578 |
| Net interest margin | 3.5191% | 5,074 |
| Noninterest income to average assets | 0.5364% | 3,585 |
| Noninterest expense to average assets | 3.1656% | 3,027 |
| Loan and lease loss provision to assets | 0.2209% | 3,709 |
| Net operating income to assets | 0.2564% | 5,534 |
| Return on assets (ROA) | 0.2963% | 5,524 |
| Pretax return on assets | 0.4187% | 5,338 |
| Return on Equity (ROE) | 3.9941% | 4,949 |
| Retained earnings to average equity (ytd only) | 3.0812% | 4,310 |
| Net charge-offs to loans | 0.5649% | 2,416 |
| Credit loss provision to net charge-offs | 52.3723% | 4,527 |
| Earnings coverage of net charge-offs (x) | 1.3832% | 4,240 |
| Efficiency ratio | 84.4385% | 1,765 |
| Assets per employee ($millions) | 4.9662% | 2,176 |
| Cash dividends to net income (ytd only)* | 22.8571% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 5,253 |
| Loan loss allowance to noncurrent loans | 37.1095% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 3.3155% | 2,002 |
| Noncurrent loans to loans | 3.3962% | 2,095 |
| Net loans and leases to total assets | 74.2377% | 1,367 |
| Net loans and leases to deposits | 97.5083% | 620 |
| Net loans and leases to core deposits | 119.7129% | 427 |
| Total domestic deposits to total assets | 76.1348% | 6,580 |
| Equity capital to assets | 7.5793% | 6,911 |
| Core capital (leverage) ratio | 7.1933% | 6,921 |
| Tier 1 risk-based capital ratio | 9.6247% | 7,080 |
| Total risk-based capital ratio | 12.4175% | 6,400 |
| Memoranda: | ||
| Average total assets | $259,860,000 | 2,457 |
| Average earning assets | $237,219,000 | 2,456 |
| Average equity | $19,278,330 | 3,232 |
| Average total loans | $194,016,330 | 2,137 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6631% | 4,683 |
| Cost of funding earning assets | 1.1884% | 2,892 |
| Net interest margin | 3.4748% | 5,121 |
| Noninterest income to average assets | 0.6245% | 3,010 |
| Noninterest expense to average assets | 3.1764% | 2,976 |
| Loan and lease loss provision to assets | 0.2332% | 3,316 |
| Net operating income to assets | 0.2655% | 5,559 |
| Return on assets (ROA) | 0.2685% | 5,605 |
| Pretax return on assets | 0.4051% | 5,328 |
| Return on Equity (ROE) | 3.6590% | 5,066 |
| Retained earnings to average equity (ytd only) | 3.6590% | 3,980 |
| Net charge-offs to loans | 0.6517% | 1,899 |
| Credit loss provision to net charge-offs | 48.1013% | 3,796 |
| Earnings coverage of net charge-offs (x) | 1.3070% | 3,695 |
| Efficiency ratio | 83.3669% | 2,035 |
| Assets per employee ($millions) | 5.0702% | 2,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 4,974 |
| Loan loss allowance to noncurrent loans | 30.4780% | 6,279 |
| Noncurrent assets plus other real estate owned to assets | 3.2126% | 2,141 |
| Noncurrent loans to loans | 4.3754% | 1,615 |
| Net loans and leases to total assets | 71.3931% | 1,838 |
| Net loans and leases to deposits | 106.1205% | 248 |
| Net loans and leases to core deposits | 115.9111% | 539 |
| Total domestic deposits to total assets | 67.2756% | 7,292 |
| Equity capital to assets | 7.2801% | 6,986 |
| Core capital (leverage) ratio | 7.2224% | 6,909 |
| Tier 1 risk-based capital ratio | 9.7108% | 7,087 |
| Total risk-based capital ratio | 12.5276% | 6,258 |
| Memoranda: | ||
| Average total assets | $260,669,000 | 2,465 |
| Average earning assets | $238,981,000 | 2,458 |
| Average equity | $19,131,000 | 3,238 |
| Average total loans | $193,944,500 | 2,163 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9230% | 4,910 |
| Cost of funding earning assets | 1.4852% | 2,733 |
| Net interest margin | 3.4378% | 5,481 |
| Noninterest income to average assets | 0.4933% | 4,219 |
| Noninterest expense to average assets | 3.0708% | 3,582 |
| Loan and lease loss provision to assets | 0.2156% | 5,099 |
| Net operating income to assets | 0.2296% | 5,182 |
| Return on assets (ROA) | 0.3552% | 4,886 |
| Pretax return on assets | 0.5480% | 4,479 |
| Return on Equity (ROE) | 4.9649% | 4,085 |
| Retained earnings to average equity (ytd only) | 4.9649% | 2,428 |
| Net charge-offs to loans | 0.0331% | 6,472 |
| Credit loss provision to net charge-offs | 873.4375% | 247 |
| Earnings coverage of net charge-offs (x) | 23.1094% | 916 |
| Efficiency ratio | 84.3343% | 1,883 |
| Assets per employee ($millions) | 4.9555% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 4,639 |
| Loan loss allowance to noncurrent loans | 31.0943% | 6,222 |
| Noncurrent assets plus other real estate owned to assets | 3.3797% | 2,073 |
| Noncurrent loans to loans | 4.4182% | 1,618 |
| Net loans and leases to total assets | 75.4436% | 1,393 |
| Net loans and leases to deposits | 102.4197% | 466 |
| Net loans and leases to core deposits | 111.1506% | 860 |
| Total domestic deposits to total assets | 73.6612% | 6,928 |
| Equity capital to assets | 7.3996% | 6,938 |
| Core capital (leverage) ratio | 7.2026% | 6,909 |
| Tier 1 risk-based capital ratio | 9.7501% | 7,065 |
| Total risk-based capital ratio | 12.5775% | 6,057 |
| Memoranda: | ||
| Average total assets | $259,284,400 | 2,460 |
| Average earning assets | $237,417,000 | 2,453 |
| Average equity | $18,550,400 | 3,342 |
| Average total loans | $193,109,000 | 2,219 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0031% | 4,800 |
| Cost of funding earning assets | 1.5221% | 2,828 |
| Net interest margin | 3.4810% | 5,372 |
| Noninterest income to average assets | 0.4046% | 4,927 |
| Noninterest expense to average assets | 2.9928% | 3,771 |
| Loan and lease loss provision to assets | 0.1607% | 5,427 |
| Net operating income to assets | 0.2866% | 5,219 |
| Return on assets (ROA) | 0.3594% | 5,114 |
| Pretax return on assets | 0.5499% | 4,761 |
| Return on Equity (ROE) | 5.0666% | 4,252 |
| Retained earnings to average equity (ytd only) | 5.0666% | 2,938 |
| Net charge-offs to loans | 0.0534% | 5,989 |
| Credit loss provision to net charge-offs | 406.4935% | 738 |
| Earnings coverage of net charge-offs (x) | 15.1435% | 1,460 |
| Efficiency ratio | 83.3310% | 1,912 |
| Assets per employee ($millions) | 5.0096% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 5,145 |
| Loan loss allowance to noncurrent loans | 28.7881% | 6,403 |
| Noncurrent assets plus other real estate owned to assets | 3.2656% | 2,186 |
| Noncurrent loans to loans | 4.3914% | 1,654 |
| Net loans and leases to total assets | 73.4238% | 1,925 |
| Net loans and leases to deposits | 96.6620% | 912 |
| Net loans and leases to core deposits | 106.7695% | 1,257 |
| Total domestic deposits to total assets | 75.9593% | 6,665 |
| Equity capital to assets | 7.4203% | 7,171 |
| Core capital (leverage) ratio | 7.1535% | 7,087 |
| Tier 1 risk-based capital ratio | 9.8971% | 7,120 |
| Total risk-based capital ratio | 12.7315% | 5,935 |
| Memoranda: | ||
| Average total assets | $259,683,500 | 2,496 |
| Average earning assets | $237,740,250 | 2,490 |
| Average equity | $18,421,000 | 3,405 |
| Average total loans | $192,107,000 | 2,269 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9771% | 5,041 |
| Cost of funding earning assets | 1.5386% | 3,018 |
| Net interest margin | 3.4385% | 5,485 |
| Noninterest income to average assets | 0.3662% | 5,209 |
| Noninterest expense to average assets | 2.9174% | 4,011 |
| Loan and lease loss provision to assets | 0.1735% | 5,131 |
| Net operating income to assets | 0.2765% | 5,270 |
| Return on assets (ROA) | 0.3061% | 5,312 |
| Pretax return on assets | 0.4688% | 5,007 |
| Return on Equity (ROE) | 4.3824% | 4,608 |
| Retained earnings to average equity (ytd only) | 4.3824% | 3,287 |
| Net charge-offs to loans | 0.0595% | 5,560 |
| Credit loss provision to net charge-offs | 394.7368% | 919 |
| Earnings coverage of net charge-offs (x) | 13.5789% | 1,578 |
| Efficiency ratio | 83.0189% | 2,041 |
| Assets per employee ($millions) | 5.2286% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 5,287 |
| Loan loss allowance to noncurrent loans | 28.6247% | 6,455 |
| Noncurrent assets plus other real estate owned to assets | 3.1193% | 2,270 |
| Noncurrent loans to loans | 4.2998% | 1,725 |
| Net loans and leases to total assets | 71.6523% | 2,501 |
| Net loans and leases to deposits | 97.5514% | 918 |
| Net loans and leases to core deposits | 108.8936% | 1,239 |
| Total domestic deposits to total assets | 73.4508% | 7,044 |
| Equity capital to assets | 7.2062% | 7,270 |
| Core capital (leverage) ratio | 7.0952% | 7,135 |
| Tier 1 risk-based capital ratio | 9.5905% | 7,225 |
| Total risk-based capital ratio | 12.3910% | 6,091 |
| Memoranda: | ||
| Average total assets | $259,411,330 | 2,511 |
| Average earning assets | $237,488,330 | 2,512 |
| Average equity | $18,118,000 | 3,446 |
| Average total loans | $191,570,000 | 2,298 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9081% | 5,431 |
| Cost of funding earning assets | 1.5328% | 3,361 |
| Net interest margin | 3.3753% | 5,688 |
| Noninterest income to average assets | 0.3409% | 5,418 |
| Noninterest expense to average assets | 2.9353% | 3,929 |
| Loan and lease loss provision to assets | 0.1173% | 5,430 |
| Net operating income to assets | 0.2555% | 5,472 |
| Return on assets (ROA) | 0.2768% | 5,518 |
| Pretax return on assets | 0.4050% | 5,278 |
| Return on Equity (ROE) | 4.0298% | 4,884 |
| Retained earnings to average equity (ytd only) | 4.0298% | 3,734 |
| Net charge-offs to loans | -0.0902% | 7,503 |
| Credit loss provision to net charge-offs | -174.4186% | 6,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6686% | 1,829 |
| Assets per employee ($millions) | 5.3160% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 5,324 |
| Loan loss allowance to noncurrent loans | 36.1059% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 2.5301% | 2,869 |
| Noncurrent loans to loans | 3.4106% | 2,336 |
| Net loans and leases to total assets | 73.2711% | 2,132 |
| Net loans and leases to deposits | 102.9390% | 591 |
| Net loans and leases to core deposits | 115.5569% | 966 |
| Total domestic deposits to total assets | 71.1792% | 7,331 |
| Equity capital to assets | 7.3376% | 7,190 |
| Core capital (leverage) ratio | 7.2761% | 7,052 |
| Tier 1 risk-based capital ratio | 9.8992% | 7,094 |
| Total risk-based capital ratio | 12.7853% | 5,616 |
| Memoranda: | ||
| Average total assets | $255,787,000 | 2,598 |
| Average earning assets | $233,819,000 | 2,604 |
| Average equity | $17,569,000 | 3,557 |
| Average total loans | $190,630,500 | 2,364 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5045% | 4,121 |
| Cost of funding earning assets | 2.0603% | 2,683 |
| Net interest margin | 3.4442% | 5,199 |
| Noninterest income to average assets | 0.3226% | 5,779 |
| Noninterest expense to average assets | 2.7096% | 5,344 |
| Loan and lease loss provision to assets | 0.3686% | 4,577 |
| Net operating income to assets | 0.2562% | 4,698 |
| Return on assets (ROA) | 0.3819% | 4,302 |
| Pretax return on assets | 0.6372% | 3,786 |
| Return on Equity (ROE) | 6.1497% | 3,153 |
| Retained earnings to average equity (ytd only) | 3.2003% | 2,918 |
| Net charge-offs to loans | 0.2007% | 5,389 |
| Credit loss provision to net charge-offs | 246.1929% | 1,448 |
| Earnings coverage of net charge-offs (x) | 5.4061% | 2,609 |
| Efficiency ratio | 77.0003% | 3,360 |
| Assets per employee ($millions) | 5.6980% | 1,471 |
| Cash dividends to net income (ytd only)* | 47.9602% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 5,629 |
| Loan loss allowance to noncurrent loans | 210.1614% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 6,433 |
| Noncurrent loans to loans | 0.5485% | 6,142 |
| Net loans and leases to total assets | 74.0047% | 2,272 |
| Net loans and leases to deposits | 105.2762% | 586 |
| Net loans and leases to core deposits | 132.6107% | 1,136 |
| Total domestic deposits to total assets | 70.2958% | 7,401 |
| Equity capital to assets | 6.4019% | 7,585 |
| Core capital (leverage) ratio | 5.9909% | 7,636 |
| Tier 1 risk-based capital ratio | 8.6549% | 7,564 |
| Total risk-based capital ratio | 9.8599% | 7,600 |
| Memoranda: | ||
| Average total assets | $263,171,000 | 2,488 |
| Average earning assets | $244,237,600 | 2,462 |
| Average equity | $16,342,200 | 3,816 |
| Average total loans | $196,286,800 | 2,326 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4725% | 4,567 |
| Cost of funding earning assets | 2.1574% | 2,612 |
| Net interest margin | 3.3151% | 5,581 |
| Noninterest income to average assets | 0.3116% | 5,992 |
| Noninterest expense to average assets | 2.6156% | 5,657 |
| Loan and lease loss provision to assets | 0.2869% | 4,678 |
| Net operating income to assets | 0.3187% | 4,727 |
| Return on assets (ROA) | 0.3760% | 4,596 |
| Pretax return on assets | 0.5849% | 4,231 |
| Return on Equity (ROE) | 6.1013% | 3,488 |
| Retained earnings to average equity (ytd only) | 3.1609% | 3,548 |
| Net charge-offs to loans | 0.2668% | 4,374 |
| Credit loss provision to net charge-offs | 144.3038% | 3,378 |
| Earnings coverage of net charge-offs (x) | 3.9342% | 3,328 |
| Efficiency ratio | 76.9778% | 3,326 |
| Assets per employee ($millions) | 6.6545% | 917 |
| Cash dividends to net income (ytd only)* | 48.1927% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8688% | 6,890 |
| Loan loss allowance to noncurrent loans | 108.8942% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.6099% | 5,922 |
| Noncurrent loans to loans | 0.7978% | 5,704 |
| Net loans and leases to total assets | 75.7805% | 2,035 |
| Net loans and leases to deposits | 115.7448% | 273 |
| Net loans and leases to core deposits | 147.7138% | 637 |
| Total domestic deposits to total assets | 65.4720% | 7,713 |
| Equity capital to assets | 6.1316% | 7,831 |
| Core capital (leverage) ratio | 5.9962% | 7,798 |
| Tier 1 risk-based capital ratio | 8.1629% | 7,771 |
| Total risk-based capital ratio | 9.0902% | 7,824 |
| Memoranda: | ||
| Average total assets | $264,861,750 | 2,481 |
| Average earning assets | $246,586,250 | 2,456 |
| Average equity | $16,324,000 | 3,847 |
| Average total loans | $197,366,750 | 2,346 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4851% | 4,716 |
| Cost of funding earning assets | 2.2848% | 2,418 |
| Net interest margin | 3.2003% | 5,914 |
| Noninterest income to average assets | 0.3082% | 6,048 |
| Noninterest expense to average assets | 2.6620% | 5,512 |
| Loan and lease loss provision to assets | 0.1411% | 5,662 |
| Net operating income to assets | 0.3097% | 4,851 |
| Return on assets (ROA) | 0.3829% | 4,676 |
| Pretax return on assets | 0.5950% | 4,337 |
| Return on Equity (ROE) | 6.2017% | 3,559 |
| Retained earnings to average equity (ytd only) | 3.2985% | 3,487 |
| Net charge-offs to loans | 0.0010% | 6,619 |
| Credit loss provision to net charge-offs | 18,500.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 815.0000% | 32 |
| Efficiency ratio | 81.0685% | 2,875 |
| Assets per employee ($millions) | 6.4149% | 1,001 |
| Cash dividends to net income (ytd only)* | 46.8127% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 6,686 |
| Loan loss allowance to noncurrent loans | 159.5968% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.4338% | 6,369 |
| Noncurrent loans to loans | 0.5762% | 6,108 |
| Net loans and leases to total assets | 74.6047% | 2,542 |
| Net loans and leases to deposits | 102.2752% | 1,055 |
| Net loans and leases to core deposits | 149.7885% | 661 |
| Total domestic deposits to total assets | 72.9450% | 7,116 |
| Equity capital to assets | 6.2013% | 7,893 |
| Core capital (leverage) ratio | 6.0834% | 7,904 |
| Tier 1 risk-based capital ratio | 9.3589% | 7,505 |
| Total risk-based capital ratio | 10.4191% | 7,614 |
| Memoranda: | ||
| Average total assets | $262,204,330 | 2,516 |
| Average earning assets | $243,787,000 | 2,490 |
| Average equity | $16,189,000 | 3,886 |
| Average total loans | $193,633,330 | 2,418 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5698% | 4,527 |
| Cost of funding earning assets | 2.2979% | 2,707 |
| Net interest margin | 3.2719% | 5,612 |
| Noninterest income to average assets | 0.2903% | 6,117 |
| Noninterest expense to average assets | 2.7624% | 4,731 |
| Loan and lease loss provision to assets | 0.0917% | 5,783 |
| Net operating income to assets | 0.3099% | 5,263 |
| Return on assets (ROA) | 0.3881% | 5,081 |
| Pretax return on assets | 0.6020% | 4,743 |
| Return on Equity (ROE) | 6.2994% | 3,904 |
| Retained earnings to average equity (ytd only) | 3.5217% | 3,936 |
| Net charge-offs to loans | 0.0021% | 5,714 |
| Credit loss provision to net charge-offs | 6,000.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 374.0000% | 92 |
| Efficiency ratio | 82.8598% | 2,431 |
| Assets per employee ($millions) | 6.4502% | 986 |
| Cash dividends to net income (ytd only)* | 44.0945% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8652% | 6,894 |
| Loan loss allowance to noncurrent loans | 129.2683% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.4961% | 5,980 |
| Noncurrent loans to loans | 0.6693% | 5,735 |
| Net loans and leases to total assets | 73.4805% | 2,893 |
| Net loans and leases to deposits | 101.4545% | 1,238 |
| Net loans and leases to core deposits | 146.6537% | 831 |
| Total domestic deposits to total assets | 72.4270% | 7,148 |
| Equity capital to assets | 6.2286% | 7,948 |
| Core capital (leverage) ratio | 6.0338% | 7,996 |
| Tier 1 risk-based capital ratio | 9.4789% | 7,445 |
| Total risk-based capital ratio | 10.4869% | 7,629 |
| Memoranda: | ||
| Average total assets | $261,802,000 | 2,532 |
| Average earning assets | $243,528,000 | 2,505 |
| Average equity | $16,128,500 | 3,920 |
| Average total loans | $191,431,000 | 2,454 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8636% | 6,217 |
| Cost of funding earning assets | 2.8213% | 2,621 |
| Net interest margin | 3.0423% | 6,808 |
| Noninterest income to average assets | 0.3523% | 5,911 |
| Noninterest expense to average assets | 2.7120% | 5,214 |
| Loan and lease loss provision to assets | 0.0741% | 6,472 |
| Net operating income to assets | 0.2303% | 5,753 |
| Return on assets (ROA) | 0.2695% | 5,464 |
| Pretax return on assets | 0.4367% | 5,164 |
| Return on Equity (ROE) | 4.2238% | 4,727 |
| Retained earnings to average equity (ytd only) | 2.8159% | 3,428 |
| Net charge-offs to loans | 0.0671% | 5,822 |
| Credit loss provision to net charge-offs | 157.0175% | 3,315 |
| Earnings coverage of net charge-offs (x) | 9.5263% | 2,670 |
| Efficiency ratio | 85.7816% | 1,877 |
| Assets per employee ($millions) | 6.3206% | 978 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8761% | 6,786 |
| Loan loss allowance to noncurrent loans | 3,897.6190% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 7,541 |
| Noncurrent loans to loans | 0.0225% | 7,428 |
| Net loans and leases to total assets | 71.4670% | 3,692 |
| Net loans and leases to deposits | 104.2774% | 1,317 |
| Net loans and leases to core deposits | 141.8340% | 1,168 |
| Total domestic deposits to total assets | 68.5355% | 7,420 |
| Equity capital to assets | 6.0912% | 8,048 |
| Core capital (leverage) ratio | 6.1012% | 8,050 |
| Tier 1 risk-based capital ratio | 9.9885% | 6,746 |
| Total risk-based capital ratio | 11.0229% | 6,879 |
| Memoranda: | ||
| Average total assets | $241,588,800 | 2,642 |
| Average earning assets | $223,087,400 | 2,623 |
| Average equity | $15,412,600 | 4,050 |
| Average total loans | $170,015,000 | 2,617 |