Home > South Padre Bank > Performance and Condition Ratios
South Padre Bank, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7533% | 5,022 |
| Cost of funding earning assets | 0.7671% | 1,500 |
| Net interest margin | 2.9861% | 5,626 |
| Noninterest income to average assets | 0.3283% | 5,063 |
| Noninterest expense to average assets | 2.4445% | 4,891 |
| Loan and lease loss provision to assets | -0.0298% | 6,510 |
| Net operating income to assets | 0.4179% | 5,172 |
| Return on assets (ROA) | 0.4179% | 5,317 |
| Pretax return on assets | 0.6208% | 4,947 |
| Return on Equity (ROE) | 2.7322% | 5,700 |
| Retained earnings to average equity (ytd only) | 2.7322% | 4,685 |
| Net charge-offs to loans | -0.0540% | 6,339 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5310% | 2,026 |
| Assets per employee ($millions) | 5.0398% | 2,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8167% | 2,253 |
| Loan loss allowance to noncurrent loans | 451.5789% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 5,814 |
| Noncurrent loans to loans | 0.4023% | 5,186 |
| Net loans and leases to total assets | 51.1156% | 4,992 |
| Net loans and leases to deposits | 60.3525% | 4,932 |
| Net loans and leases to core deposits | 64.1746% | 4,887 |
| Total domestic deposits to total assets | 84.6951% | 3,887 |
| Equity capital to assets | 15.1726% | 686 |
| Core capital (leverage) ratio | 14.8849% | 659 |
| Tier 1 risk-based capital ratio | 30.3248% | 501 |
| Total risk-based capital ratio | 31.5808% | 499 |
| Memoranda: | ||
| Average total assets | $44,670,500 | 6,230 |
| Average earning assets | $40,497,000 | 6,224 |
| Average equity | $6,831,750 | 5,687 |
| Average total loans | $24,702,250 | 6,055 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8522% | 4,645 |
| Cost of funding earning assets | 0.7535% | 1,681 |
| Net interest margin | 3.0988% | 5,281 |
| Noninterest income to average assets | 0.3915% | 4,587 |
| Noninterest expense to average assets | 2.3132% | 5,328 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5940% | 4,318 |
| Return on assets (ROA) | 0.5940% | 4,502 |
| Pretax return on assets | 0.8731% | 4,013 |
| Return on Equity (ROE) | 3.8738% | 5,266 |
| Retained earnings to average equity (ytd only) | 3.8738% | 3,834 |
| Net charge-offs to loans | -0.0798% | 6,430 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5989% | 3,374 |
| Assets per employee ($millions) | 4.9418% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8279% | 2,339 |
| Loan loss allowance to noncurrent loans | 462.1053% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 5,860 |
| Noncurrent loans to loans | 0.3956% | 5,280 |
| Net loans and leases to total assets | 53.0106% | 4,735 |
| Net loans and leases to deposits | 62.7816% | 4,656 |
| Net loans and leases to core deposits | 66.3823% | 4,653 |
| Total domestic deposits to total assets | 84.4366% | 4,151 |
| Equity capital to assets | 15.4555% | 626 |
| Core capital (leverage) ratio | 16.1315% | 450 |
| Tier 1 risk-based capital ratio | 35.0914% | 335 |
| Total risk-based capital ratio | 36.3525% | 328 |
| Memoranda: | ||
| Average total assets | $44,441,330 | 6,277 |
| Average earning assets | $40,080,670 | 6,280 |
| Average equity | $6,815,000 | 5,732 |
| Average total loans | $25,065,000 | 6,063 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8695% | 4,588 |
| Cost of funding earning assets | 0.7840% | 1,620 |
| Net interest margin | 3.0856% | 5,319 |
| Noninterest income to average assets | 0.5583% | 3,378 |
| Noninterest expense to average assets | 2.1700% | 5,763 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7834% | 3,257 |
| Return on assets (ROA) | 0.7834% | 3,393 |
| Pretax return on assets | 1.1525% | 2,754 |
| Return on Equity (ROE) | 5.1286% | 4,497 |
| Retained earnings to average equity (ytd only) | 5.1286% | 3,151 |
| Net charge-offs to loans | -0.1563% | 6,616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3117% | 4,777 |
| Assets per employee ($millions) | 4.9959% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7074% | 2,975 |
| Loan loss allowance to noncurrent loans | 179.9180% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5427% | 5,037 |
| Noncurrent loans to loans | 0.9490% | 4,243 |
| Net loans and leases to total assets | 56.2062% | 4,052 |
| Net loans and leases to deposits | 66.3011% | 4,012 |
| Net loans and leases to core deposits | 69.0756% | 4,177 |
| Total domestic deposits to total assets | 84.7741% | 4,146 |
| Equity capital to assets | 15.1880% | 713 |
| Core capital (leverage) ratio | 15.5496% | 511 |
| Tier 1 risk-based capital ratio | 32.2364% | 442 |
| Total risk-based capital ratio | 33.4970% | 436 |
| Memoranda: | ||
| Average total assets | $44,424,000 | 6,333 |
| Average earning assets | $39,798,000 | 6,342 |
| Average equity | $6,785,500 | 5,795 |
| Average total loans | $25,589,500 | 6,090 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3095% | 4,156 |
| Cost of funding earning assets | 0.7530% | 3,067 |
| Net interest margin | 3.5566% | 4,281 |
| Noninterest income to average assets | 0.3126% | 5,220 |
| Noninterest expense to average assets | 2.5386% | 4,970 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6157% | 4,165 |
| Return on assets (ROA) | 0.6157% | 4,428 |
| Pretax return on assets | 0.9283% | 3,816 |
| Return on Equity (ROE) | 3.5637% | 5,325 |
| Retained earnings to average equity (ytd only) | -9.2656% | 6,616 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2240% | 3,202 |
| Assets per employee ($millions) | 4.8761% | 2,385 |
| Cash dividends to net income (ytd only)* | 360.0000% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 2,989 |
| Loan loss allowance to noncurrent loans | 176.5432% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 1.5814% | 3,017 |
| Noncurrent loans to loans | 0.9541% | 4,288 |
| Net loans and leases to total assets | 57.0559% | 4,113 |
| Net loans and leases to deposits | 67.4851% | 4,053 |
| Net loans and leases to core deposits | 72.9426% | 3,925 |
| Total domestic deposits to total assets | 84.5460% | 4,068 |
| Equity capital to assets | 15.3629% | 666 |
| Core capital (leverage) ratio | 15.8855% | 470 |
| Tier 1 risk-based capital ratio | 30.3225% | 505 |
| Total risk-based capital ratio | 31.5820% | 499 |
| Memoranda: | ||
| Average total assets | $42,228,200 | 6,421 |
| Average earning assets | $37,451,800 | 6,456 |
| Average equity | $7,295,800 | 5,688 |
| Average total loans | $26,677,200 | 6,103 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3589% | 4,212 |
| Cost of funding earning assets | 0.7498% | 3,354 |
| Net interest margin | 3.6091% | 4,201 |
| Noninterest income to average assets | 0.3412% | 5,080 |
| Noninterest expense to average assets | 2.5669% | 4,858 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6537% | 4,124 |
| Return on assets (ROA) | 0.6537% | 4,391 |
| Pretax return on assets | 0.9821% | 3,782 |
| Return on Equity (ROE) | 3.6766% | 5,420 |
| Retained earnings to average equity (ytd only) | 0.1793% | 6,022 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3270% | 3,261 |
| Assets per employee ($millions) | 4.8727% | 2,350 |
| Cash dividends to net income (ytd only)* | 95.1195% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7100% | 3,118 |
| Loan loss allowance to noncurrent loans | 276.7742% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 1.3819% | 3,534 |
| Noncurrent loans to loans | 0.6178% | 5,204 |
| Net loans and leases to total assets | 56.2298% | 4,410 |
| Net loans and leases to deposits | 67.8657% | 4,205 |
| Net loans and leases to core deposits | 74.2562% | 3,946 |
| Total domestic deposits to total assets | 82.8545% | 4,699 |
| Equity capital to assets | 16.9403% | 469 |
| Core capital (leverage) ratio | 16.9249% | 375 |
| Tier 1 risk-based capital ratio | 35.9261% | 327 |
| Total risk-based capital ratio | 37.1886% | 323 |
| Memoranda: | ||
| Average total assets | $41,814,000 | 6,509 |
| Average earning assets | $37,164,000 | 6,544 |
| Average equity | $7,434,250 | 5,714 |
| Average total loans | $26,979,500 | 6,169 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5142% | 3,709 |
| Cost of funding earning assets | 0.7560% | 3,557 |
| Net interest margin | 3.7581% | 3,549 |
| Noninterest income to average assets | 0.3598% | 4,961 |
| Noninterest expense to average assets | 2.5769% | 4,855 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7439% | 3,632 |
| Return on assets (ROA) | 0.7439% | 3,908 |
| Pretax return on assets | 1.1183% | 3,237 |
| Return on Equity (ROE) | 4.1151% | 5,213 |
| Retained earnings to average equity (ytd only) | -1.1296% | 6,229 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7368% | 3,808 |
| Assets per employee ($millions) | 4.7413% | 2,516 |
| Cash dividends to net income (ytd only)* | 127.4510% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6502% | 3,425 |
| Loan loss allowance to noncurrent loans | 271.5190% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 1.4108% | 3,605 |
| Noncurrent loans to loans | 0.6078% | 5,300 |
| Net loans and leases to total assets | 59.9175% | 3,837 |
| Net loans and leases to deposits | 72.5725% | 3,523 |
| Net loans and leases to core deposits | 78.7653% | 3,402 |
| Total domestic deposits to total assets | 82.5623% | 4,926 |
| Equity capital to assets | 17.2877% | 408 |
| Core capital (leverage) ratio | 17.6119% | 314 |
| Tier 1 risk-based capital ratio | 33.7560% | 381 |
| Total risk-based capital ratio | 35.0146% | 379 |
| Memoranda: | ||
| Average total assets | $41,134,000 | 6,585 |
| Average earning assets | $36,507,330 | 6,605 |
| Average equity | $7,436,000 | 5,729 |
| Average total loans | $27,610,000 | 6,171 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8619% | 2,389 |
| Cost of funding earning assets | 0.7896% | 3,549 |
| Net interest margin | 4.0723% | 2,205 |
| Noninterest income to average assets | 0.3865% | 4,773 |
| Noninterest expense to average assets | 2.6161% | 4,759 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8919% | 2,959 |
| Return on assets (ROA) | 0.8919% | 3,182 |
| Pretax return on assets | 1.3477% | 2,368 |
| Return on Equity (ROE) | 4.8222% | 4,869 |
| Retained earnings to average equity (ytd only) | 4.8222% | 3,658 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0000% | 4,554 |
| Assets per employee ($millions) | 4.6100% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5372% | 3,997 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0701% | 4,354 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 66.2280% | 2,424 |
| Net loans and leases to deposits | 81.0537% | 2,050 |
| Net loans and leases to core deposits | 87.5430% | 2,112 |
| Total domestic deposits to total assets | 81.7088% | 5,392 |
| Equity capital to assets | 18.1007% | 332 |
| Core capital (leverage) ratio | 18.4359% | 271 |
| Tier 1 risk-based capital ratio | 31.5697% | 457 |
| Total risk-based capital ratio | 32.8272% | 448 |
| Memoranda: | ||
| Average total assets | $40,365,000 | 6,673 |
| Average earning assets | $35,459,500 | 6,691 |
| Average equity | $7,465,500 | 5,748 |
| Average total loans | $28,416,500 | 6,184 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9245% | 3,237 |
| Cost of funding earning assets | 0.7702% | 5,058 |
| Net interest margin | 4.1544% | 2,214 |
| Noninterest income to average assets | 0.3093% | 5,331 |
| Noninterest expense to average assets | 2.5294% | 5,356 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9781% | 2,291 |
| Return on assets (ROA) | 0.9781% | 2,425 |
| Pretax return on assets | 1.4960% | 1,486 |
| Return on Equity (ROE) | 5.3880% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.3880% | 2,382 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8357% | 5,325 |
| Assets per employee ($millions) | 4.3600% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 4,095 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1035% | 4,409 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 72.6223% | 1,532 |
| Net loans and leases to deposits | 89.7261% | 1,192 |
| Net loans and leases to core deposits | 98.2587% | 1,310 |
| Total domestic deposits to total assets | 80.9378% | 5,467 |
| Equity capital to assets | 18.9118% | 284 |
| Core capital (leverage) ratio | 18.9396% | 247 |
| Tier 1 risk-based capital ratio | 30.2188% | 508 |
| Total risk-based capital ratio | 31.4739% | 496 |
| Memoranda: | ||
| Average total assets | $39,772,800 | 6,685 |
| Average earning assets | $35,577,000 | 6,690 |
| Average equity | $7,219,800 | 5,801 |
| Average total loans | $28,433,200 | 6,229 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9264% | 3,446 |
| Cost of funding earning assets | 0.7708% | 5,331 |
| Net interest margin | 4.1556% | 2,259 |
| Noninterest income to average assets | 0.2940% | 5,510 |
| Noninterest expense to average assets | 2.5526% | 5,269 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9555% | 2,504 |
| Return on assets (ROA) | 0.9555% | 2,669 |
| Pretax return on assets | 1.4701% | 1,735 |
| Return on Equity (ROE) | 5.3186% | 4,391 |
| Retained earnings to average equity (ytd only) | 5.3186% | 2,979 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4551% | 5,160 |
| Assets per employee ($millions) | 4.3638% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5532% | 3,872 |
| Loan loss allowance to noncurrent loans | 252.3529% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 1.5354% | 3,791 |
| Noncurrent loans to loans | 0.6155% | 5,659 |
| Net loans and leases to total assets | 69.2341% | 2,234 |
| Net loans and leases to deposits | 85.2810% | 1,787 |
| Net loans and leases to core deposits | 90.2696% | 2,215 |
| Total domestic deposits to total assets | 81.1835% | 5,377 |
| Equity capital to assets | 18.6408% | 339 |
| Core capital (leverage) ratio | 17.7943% | 341 |
| Tier 1 risk-based capital ratio | 31.5926% | 468 |
| Total risk-based capital ratio | 32.8496% | 463 |
| Memoranda: | ||
| Average total assets | $39,906,000 | 6,732 |
| Average earning assets | $35,806,500 | 6,745 |
| Average equity | $7,169,500 | 5,850 |
| Average total loans | $28,310,000 | 6,290 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8675% | 3,763 |
| Cost of funding earning assets | 0.7817% | 5,500 |
| Net interest margin | 4.0859% | 2,465 |
| Noninterest income to average assets | 0.2991% | 5,497 |
| Noninterest expense to average assets | 2.4578% | 5,669 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9821% | 2,296 |
| Return on assets (ROA) | 0.9821% | 2,400 |
| Pretax return on assets | 1.5156% | 1,491 |
| Return on Equity (ROE) | 5.5345% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.5345% | 2,674 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8570% | 5,602 |
| Assets per employee ($millions) | 4.5142% | 2,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 4,268 |
| Loan loss allowance to noncurrent loans | 101.9002% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 1.6368% | 3,721 |
| Noncurrent loans to loans | 1.4404% | 4,257 |
| Net loans and leases to total assets | 70.8846% | 2,031 |
| Net loans and leases to deposits | 86.3047% | 1,747 |
| Net loans and leases to core deposits | 92.0390% | 2,125 |
| Total domestic deposits to total assets | 82.1330% | 5,122 |
| Equity capital to assets | 17.7882% | 402 |
| Core capital (leverage) ratio | 18.0706% | 326 |
| Tier 1 risk-based capital ratio | 29.0604% | 595 |
| Total risk-based capital ratio | 30.3153% | 581 |
| Memoranda: | ||
| Average total assets | $40,116,670 | 6,784 |
| Average earning assets | $36,075,670 | 6,796 |
| Average equity | $7,119,000 | 5,889 |
| Average total loans | $28,540,000 | 6,339 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8627% | 3,761 |
| Cost of funding earning assets | 0.8049% | 5,553 |
| Net interest margin | 4.0578% | 2,446 |
| Noninterest income to average assets | 0.3111% | 5,444 |
| Noninterest expense to average assets | 2.4886% | 5,594 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9132% | 2,499 |
| Return on assets (ROA) | 0.9132% | 2,557 |
| Pretax return on assets | 1.4651% | 1,556 |
| Return on Equity (ROE) | 5.1522% | 4,318 |
| Retained earnings to average equity (ytd only) | 5.1522% | 3,090 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9442% | 5,532 |
| Assets per employee ($millions) | 4.4977% | 2,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 4,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6028% | 5,768 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 68.7517% | 2,392 |
| Net loans and leases to deposits | 83.5987% | 2,092 |
| Net loans and leases to core deposits | 89.1587% | 2,463 |
| Total domestic deposits to total assets | 82.2402% | 5,215 |
| Equity capital to assets | 17.5671% | 399 |
| Core capital (leverage) ratio | 17.5862% | 357 |
| Tier 1 risk-based capital ratio | 28.8552% | 586 |
| Total risk-based capital ratio | 30.1119% | 570 |
| Memoranda: | ||
| Average total assets | $39,861,000 | 6,838 |
| Average earning assets | $35,782,500 | 6,852 |
| Average equity | $7,065,000 | 5,914 |
| Average total loans | $28,196,000 | 6,406 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8792% | 5,119 |
| Cost of funding earning assets | 0.8626% | 6,332 |
| Net interest margin | 4.0165% | 2,947 |
| Noninterest income to average assets | 0.1743% | 6,495 |
| Noninterest expense to average assets | 2.5550% | 5,600 |
| Loan and lease loss provision to assets | 0.1227% | 5,933 |
| Net operating income to assets | 0.7399% | 3,047 |
| Return on assets (ROA) | 0.7756% | 3,026 |
| Pretax return on assets | 1.1732% | 2,322 |
| Return on Equity (ROE) | 4.5904% | 4,253 |
| Retained earnings to average equity (ytd only) | 4.5904% | 2,667 |
| Net charge-offs to loans | 0.0372% | 6,431 |
| Credit loss provision to net charge-offs | 500.0000% | 451 |
| Earnings coverage of net charge-offs (x) | 50.6000% | 461 |
| Efficiency ratio | 67.2915% | 4,706 |
| Assets per employee ($millions) | 4.3603% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5249% | 3,879 |
| Loan loss allowance to noncurrent loans | 3,064.2857% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.6574% | 5,688 |
| Noncurrent loans to loans | 0.0498% | 7,004 |
| Net loans and leases to total assets | 70.5960% | 2,390 |
| Net loans and leases to deposits | 86.3430% | 2,037 |
| Net loans and leases to core deposits | 92.4329% | 2,445 |
| Total domestic deposits to total assets | 81.7624% | 5,256 |
| Equity capital to assets | 17.8860% | 382 |
| Core capital (leverage) ratio | 17.7803% | 343 |
| Tier 1 risk-based capital ratio | 28.7174% | 559 |
| Total risk-based capital ratio | 29.9718% | 550 |
| Memoranda: | ||
| Average total assets | $40,744,000 | 6,833 |
| Average earning assets | $36,748,000 | 6,850 |
| Average equity | $6,884,000 | 6,076 |
| Average total loans | $26,902,200 | 6,560 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9045% | 5,248 |
| Cost of funding earning assets | 0.8780% | 6,480 |
| Net interest margin | 4.0265% | 2,972 |
| Noninterest income to average assets | 0.2302% | 6,250 |
| Noninterest expense to average assets | 2.5519% | 5,507 |
| Loan and lease loss provision to assets | 0.1232% | 5,794 |
| Net operating income to assets | 0.7830% | 3,075 |
| Return on assets (ROA) | 0.8301% | 3,017 |
| Pretax return on assets | 1.2548% | 2,319 |
| Return on Equity (ROE) | 4.9826% | 4,301 |
| Retained earnings to average equity (ytd only) | 4.9826% | 3,003 |
| Net charge-offs to loans | 0.0501% | 6,022 |
| Credit loss provision to net charge-offs | 380.0000% | 819 |
| Earnings coverage of net charge-offs (x) | 40.3091% | 682 |
| Efficiency ratio | 66.1345% | 4,828 |
| Assets per employee ($millions) | 4.4713% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 3,676 |
| Loan loss allowance to noncurrent loans | 2,780.0000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.7082% | 5,695 |
| Noncurrent loans to loans | 0.0563% | 7,101 |
| Net loans and leases to total assets | 65.1185% | 3,886 |
| Net loans and leases to deposits | 79.2075% | 3,600 |
| Net loans and leases to core deposits | 84.6196% | 3,860 |
| Total domestic deposits to total assets | 82.2126% | 4,908 |
| Equity capital to assets | 17.3575% | 481 |
| Core capital (leverage) ratio | 15.9713% | 569 |
| Tier 1 risk-based capital ratio | 29.5112% | 540 |
| Total risk-based capital ratio | 30.7692% | 526 |
| Memoranda: | ||
| Average total assets | $41,119,250 | 6,903 |
| Average earning assets | $37,053,250 | 6,917 |
| Average equity | $6,850,250 | 6,164 |
| Average total loans | $26,594,500 | 6,673 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9972% | 4,953 |
| Cost of funding earning assets | 0.8712% | 6,687 |
| Net interest margin | 4.1261% | 2,448 |
| Noninterest income to average assets | 0.2463% | 6,151 |
| Noninterest expense to average assets | 2.5259% | 5,625 |
| Loan and lease loss provision to assets | 0.1207% | 5,693 |
| Net operating income to assets | 0.8747% | 2,642 |
| Return on assets (ROA) | 0.9321% | 2,520 |
| Pretax return on assets | 1.4151% | 1,797 |
| Return on Equity (ROE) | 5.6720% | 3,961 |
| Retained earnings to average equity (ytd only) | 5.6720% | 2,513 |
| Net charge-offs to loans | 0.0752% | 5,393 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 922 |
| Efficiency ratio | 63.5480% | 5,424 |
| Assets per employee ($millions) | 4.3386% | 3,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5180% | 3,824 |
| Loan loss allowance to noncurrent loans | 2,525.0000% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.6592% | 5,845 |
| Noncurrent loans to loans | 0.0601% | 7,169 |
| Net loans and leases to total assets | 60.4112% | 4,985 |
| Net loans and leases to deposits | 72.2656% | 4,957 |
| Net loans and leases to core deposits | 83.5831% | 4,193 |
| Total domestic deposits to total assets | 83.5961% | 4,293 |
| Equity capital to assets | 15.9591% | 676 |
| Core capital (leverage) ratio | 16.3742% | 520 |
| Tier 1 risk-based capital ratio | 28.2211% | 610 |
| Total risk-based capital ratio | 29.4760% | 599 |
| Memoranda: | ||
| Average total assets | $41,411,670 | 6,946 |
| Average earning assets | $37,420,670 | 6,953 |
| Average equity | $6,805,330 | 6,202 |
| Average total loans | $26,585,330 | 6,715 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0354% | 4,856 |
| Cost of funding earning assets | 0.9215% | 6,690 |
| Net interest margin | 4.1139% | 2,380 |
| Noninterest income to average assets | 0.2573% | 6,090 |
| Noninterest expense to average assets | 2.5826% | 5,425 |
| Loan and lease loss provision to assets | 0.1286% | 5,282 |
| Net operating income to assets | 0.8280% | 2,844 |
| Return on assets (ROA) | 0.8411% | 2,881 |
| Pretax return on assets | 1.2765% | 2,115 |
| Return on Equity (ROE) | 5.0400% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.0400% | 3,134 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0873% | 5,293 |
| Assets per employee ($millions) | 4.1793% | 3,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 3,819 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6460% | 5,907 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 62.3765% | 4,680 |
| Net loans and leases to deposits | 74.9497% | 4,593 |
| Net loans and leases to core deposits | 89.4766% | 3,435 |
| Total domestic deposits to total assets | 83.2245% | 4,513 |
| Equity capital to assets | 16.2898% | 634 |
| Core capital (leverage) ratio | 17.1050% | 446 |
| Tier 1 risk-based capital ratio | 27.8707% | 646 |
| Total risk-based capital ratio | 29.1257% | 634 |
| Memoranda: | ||
| Average total assets | $40,424,500 | 7,073 |
| Average earning assets | $36,462,000 | 7,082 |
| Average equity | $6,746,000 | 6,272 |
| Average total loans | $26,571,000 | 6,805 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3862% | 7,488 |
| Cost of funding earning assets | 1.1836% | 6,715 |
| Net interest margin | 3.2026% | 6,082 |
| Noninterest income to average assets | 0.2460% | 6,340 |
| Noninterest expense to average assets | 2.3160% | 6,706 |
| Loan and lease loss provision to assets | 0.2177% | 5,620 |
| Net operating income to assets | 0.4050% | 4,108 |
| Return on assets (ROA) | 0.4179% | 4,160 |
| Pretax return on assets | 0.6356% | 3,791 |
| Return on Equity (ROE) | 2.8827% | 4,559 |
| Retained earnings to average equity (ytd only) | 2.8827% | 3,161 |
| Net charge-offs to loans | 0.2035% | 5,362 |
| Credit loss provision to net charge-offs | 192.3077% | 2,067 |
| Earnings coverage of net charge-offs (x) | 7.3654% | 2,165 |
| Efficiency ratio | 73.5314% | 3,992 |
| Assets per employee ($millions) | 3.9056% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4585% | 3,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6913% | 5,725 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 67.2931% | 3,861 |
| Net loans and leases to deposits | 81.7531% | 3,654 |
| Net loans and leases to core deposits | 117.4037% | 2,186 |
| Total domestic deposits to total assets | 82.3126% | 4,812 |
| Equity capital to assets | 17.1139% | 543 |
| Core capital (leverage) ratio | 15.4081% | 708 |
| Tier 1 risk-based capital ratio | 26.5142% | 729 |
| Total risk-based capital ratio | 27.7666% | 715 |
| Memoranda: | ||
| Average total assets | $45,941,000 | 6,877 |
| Average earning assets | $41,653,800 | 6,878 |
| Average equity | $6,660,400 | 6,376 |
| Average total loans | $25,559,000 | 6,878 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2193% | 7,711 |
| Cost of funding earning assets | 1.1927% | 6,911 |
| Net interest margin | 3.0265% | 6,525 |
| Noninterest income to average assets | 0.2238% | 6,627 |
| Noninterest expense to average assets | 2.2547% | 6,820 |
| Loan and lease loss provision to assets | 0.2797% | 4,737 |
| Net operating income to assets | 0.2858% | 4,838 |
| Return on assets (ROA) | 0.3021% | 4,888 |
| Pretax return on assets | 0.4616% | 4,637 |
| Return on Equity (ROE) | 2.1639% | 5,107 |
| Retained earnings to average equity (ytd only) | 2.1639% | 4,116 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8945% | 3,534 |
| Assets per employee ($millions) | 4.6494% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7160% | 2,571 |
| Loan loss allowance to noncurrent loans | 136.9565% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.6926% | 5,755 |
| Noncurrent loans to loans | 1.2529% | 4,851 |
| Net loans and leases to total assets | 54.3274% | 6,346 |
| Net loans and leases to deposits | 64.0539% | 6,484 |
| Net loans and leases to core deposits | 88.1702% | 5,628 |
| Total domestic deposits to total assets | 84.8152% | 3,319 |
| Equity capital to assets | 14.2599% | 1,219 |
| Core capital (leverage) ratio | 14.2332% | 1,027 |
| Tier 1 risk-based capital ratio | 27.9845% | 686 |
| Total risk-based capital ratio | 29.2429% | 672 |
| Memoranda: | ||
| Average total assets | $47,662,250 | 6,850 |
| Average earning assets | $43,261,000 | 6,850 |
| Average equity | $6,654,500 | 6,430 |
| Average total loans | $25,281,000 | 6,953 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2463% | 7,800 |
| Cost of funding earning assets | 1.2456% | 6,974 |
| Net interest margin | 3.0006% | 6,553 |
| Noninterest income to average assets | 0.2206% | 6,718 |
| Noninterest expense to average assets | 2.3059% | 6,743 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3971% | 4,525 |
| Return on assets (ROA) | 0.4079% | 4,590 |
| Pretax return on assets | 0.6285% | 4,239 |
| Return on Equity (ROE) | 2.9418% | 4,924 |
| Retained earnings to average equity (ytd only) | 2.9418% | 3,688 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0300% | 3,190 |
| Assets per employee ($millions) | 4.8701% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 4,021 |
| Loan loss allowance to noncurrent loans | 105.9006% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.6612% | 5,759 |
| Noncurrent loans to loans | 1.2685% | 4,664 |
| Net loans and leases to total assets | 51.4240% | 6,745 |
| Net loans and leases to deposits | 60.2077% | 6,874 |
| Net loans and leases to core deposits | 79.8877% | 6,417 |
| Total domestic deposits to total assets | 85.4110% | 3,059 |
| Equity capital to assets | 13.4761% | 1,503 |
| Core capital (leverage) ratio | 14.2565% | 1,079 |
| Tier 1 risk-based capital ratio | 28.3991% | 690 |
| Total risk-based capital ratio | 29.6524% | 682 |
| Memoranda: | ||
| Average total assets | $48,051,670 | 6,904 |
| Average earning assets | $43,191,000 | 6,915 |
| Average equity | $6,662,670 | 6,478 |
| Average total loans | $25,141,330 | 7,020 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3383% | 7,829 |
| Cost of funding earning assets | 1.2865% | 7,058 |
| Net interest margin | 3.0519% | 6,334 |
| Noninterest income to average assets | 0.2263% | 6,652 |
| Noninterest expense to average assets | 2.2796% | 6,604 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4227% | 4,770 |
| Return on assets (ROA) | 0.4442% | 4,847 |
| Pretax return on assets | 0.7040% | 4,425 |
| Return on Equity (ROE) | 3.1583% | 5,299 |
| Retained earnings to average equity (ytd only) | 3.1583% | 4,115 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2727% | 3,288 |
| Assets per employee ($millions) | 4.7338% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 3,751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 52.3723% | 6,644 |
| Net loans and leases to deposits | 61.8794% | 6,746 |
| Net loans and leases to core deposits | 82.7282% | 6,170 |
| Total domestic deposits to total assets | 84.6360% | 3,398 |
| Equity capital to assets | 13.8937% | 1,395 |
| Core capital (leverage) ratio | 14.2609% | 1,139 |
| Tier 1 risk-based capital ratio | 25.8110% | 906 |
| Total risk-based capital ratio | 27.0639% | 886 |
| Memoranda: | ||
| Average total assets | $47,727,000 | 6,955 |
| Average earning assets | $42,597,000 | 6,993 |
| Average equity | $6,712,500 | 6,515 |
| Average total loans | $25,019,500 | 7,064 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3193% | 7,578 |
| Cost of funding earning assets | 1.9593% | 6,537 |
| Net interest margin | 3.3600% | 5,821 |
| Noninterest income to average assets | 0.2264% | 6,818 |
| Noninterest expense to average assets | 2.3793% | 6,469 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6119% | 4,254 |
| Return on assets (ROA) | 0.6461% | 3,974 |
| Pretax return on assets | 0.9762% | 3,464 |
| Return on Equity (ROE) | 4.1424% | 4,761 |
| Retained earnings to average equity (ytd only) | 4.1424% | 2,548 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0200% | 3,929 |
| Assets per employee ($millions) | 4.3742% | 2,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3691% | 3,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 51.0537% | 6,931 |
| Net loans and leases to deposits | 60.7053% | 7,034 |
| Net loans and leases to core deposits | 79.3905% | 6,657 |
| Total domestic deposits to total assets | 84.1009% | 3,276 |
| Equity capital to assets | 14.2323% | 1,367 |
| Core capital (leverage) ratio | 14.2854% | 1,192 |
| Tier 1 risk-based capital ratio | 25.0462% | 981 |
| Total risk-based capital ratio | 26.2956% | 965 |
| Memoranda: | ||
| Average total assets | $42,408,000 | 7,110 |
| Average earning assets | $38,839,600 | 7,094 |
| Average equity | $6,614,600 | 6,602 |
| Average total loans | $23,355,600 | 7,118 |