Home > SouthBank, a Federal Savings Bank > Performance and Condition Ratios
SouthBank, a Federal Savings Bank, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 2,820 |
| Cost of funding earning assets | 0.7294% | 694 |
| Net interest margin | 3.3781% | 3,947 |
| Noninterest income to average assets | 0.4809% | 3,251 |
| Noninterest expense to average assets | 8.4194% | 98 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -5.0092% | 6,109 |
| Return on assets (ROA) | -5.0029% | 6,109 |
| Pretax return on assets | -4.9530% | 6,107 |
| Return on Equity (ROE) | -25.3341% | 6,080 |
| Retained earnings to average equity (ytd only) | -25.3341% | 6,004 |
| Net charge-offs to loans | -0.8609% | 6,036 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 243.3213% | 12 |
| Assets per employee ($millions) | 1.9008% | 6,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2779% | 14 |
| Loan loss allowance to noncurrent loans | 218.2073% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 6.4486% | 104 |
| Noncurrent loans to loans | 3.3353% | 430 |
| Net loans and leases to total assets | 47.4660% | 5,009 |
| Net loans and leases to deposits | 64.1958% | 4,431 |
| Net loans and leases to core deposits | 64.5619% | 4,655 |
| Total domestic deposits to total assets | 73.9395% | 5,614 |
| Equity capital to assets | 19.9005% | 217 |
| Core capital (leverage) ratio | 19.2068% | 227 |
| Tier 1 risk-based capital ratio | 32.0183% | 430 |
| Total risk-based capital ratio | 33.3307% | 423 |
| Memoranda: | ||
| Average total assets | $64,042,500 | 5,196 |
| Average earning assets | $56,481,500 | 5,253 |
| Average equity | $12,647,000 | 4,217 |
| Average total loans | $32,525,500 | 5,255 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5191% | 4,866 |
| Cost of funding earning assets | 0.6806% | 908 |
| Net interest margin | 2.8385% | 5,444 |
| Noninterest income to average assets | 1.8247% | 405 |
| Noninterest expense to average assets | 6.6224% | 155 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -2.2715% | 6,145 |
| Return on assets (ROA) | -2.2896% | 6,146 |
| Pretax return on assets | -2.2554% | 6,143 |
| Return on Equity (ROE) | -16.6672% | 6,129 |
| Retained earnings to average equity (ytd only) | -16.6672% | 6,104 |
| Net charge-offs to loans | -1.9025% | 6,141 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.0213% | 36 |
| Assets per employee ($millions) | 1.9223% | 6,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8822% | 21 |
| Loan loss allowance to noncurrent loans | 209.1328% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 7.2248% | 95 |
| Noncurrent loans to loans | 3.2908% | 456 |
| Net loans and leases to total assets | 46.9308% | 5,098 |
| Net loans and leases to deposits | 62.8854% | 4,554 |
| Net loans and leases to core deposits | 63.9087% | 4,741 |
| Total domestic deposits to total assets | 74.6290% | 5,589 |
| Equity capital to assets | 19.6013% | 220 |
| Core capital (leverage) ratio | 15.4759% | 538 |
| Tier 1 risk-based capital ratio | 29.7960% | 515 |
| Total risk-based capital ratio | 31.0981% | 503 |
| Memoranda: | ||
| Average total assets | $99,360,400 | 4,470 |
| Average earning assets | $89,624,200 | 4,515 |
| Average equity | $13,649,600 | 4,028 |
| Average total loans | $44,047,600 | 4,855 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4326% | 5,133 |
| Cost of funding earning assets | 0.6508% | 1,086 |
| Net interest margin | 2.7817% | 5,615 |
| Noninterest income to average assets | 0.2386% | 5,224 |
| Noninterest expense to average assets | 6.0100% | 177 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -3.2794% | 6,254 |
| Return on assets (ROA) | -3.3017% | 6,255 |
| Pretax return on assets | -3.2683% | 6,252 |
| Return on Equity (ROE) | -25.6958% | 6,236 |
| Retained earnings to average equity (ytd only) | -25.6958% | 6,225 |
| Net charge-offs to loans | -2.4004% | 6,226 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 217.4419% | 13 |
| Assets per employee ($millions) | 2.0881% | 6,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6759% | 44 |
| Loan loss allowance to noncurrent loans | 203.9497% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 4.6530% | 231 |
| Noncurrent loans to loans | 2.7830% | 677 |
| Net loans and leases to total assets | 36.1640% | 5,776 |
| Net loans and leases to deposits | 42.8016% | 5,767 |
| Net loans and leases to core deposits | 43.4558% | 5,809 |
| Total domestic deposits to total assets | 84.4921% | 3,226 |
| Equity capital to assets | 12.0962% | 2,032 |
| Core capital (leverage) ratio | 12.0846% | 1,629 |
| Tier 1 risk-based capital ratio | 23.6087% | 988 |
| Total risk-based capital ratio | 24.7537% | 985 |
| Memoranda: | ||
| Average total assets | $107,861,000 | 4,348 |
| Average earning assets | $97,922,000 | 4,386 |
| Average equity | $13,859,250 | 4,045 |
| Average total loans | $46,824,500 | 4,812 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6386% | 4,612 |
| Cost of funding earning assets | 0.6614% | 1,040 |
| Net interest margin | 2.9772% | 5,276 |
| Noninterest income to average assets | 0.3046% | 4,774 |
| Noninterest expense to average assets | 6.1424% | 177 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -3.1684% | 6,325 |
| Return on assets (ROA) | -3.2070% | 6,327 |
| Pretax return on assets | -3.1758% | 6,325 |
| Return on Equity (ROE) | -24.5001% | 6,308 |
| Retained earnings to average equity (ytd only) | -24.5001% | 6,285 |
| Net charge-offs to loans | -3.3856% | 6,300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 204.3956% | 14 |
| Assets per employee ($millions) | 1.9630% | 6,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2550% | 56 |
| Loan loss allowance to noncurrent loans | 221.2329% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 4.9616% | 226 |
| Noncurrent loans to loans | 2.3753% | 969 |
| Net loans and leases to total assets | 39.1824% | 5,678 |
| Net loans and leases to deposits | 46.4003% | 5,655 |
| Net loans and leases to core deposits | 47.1119% | 5,723 |
| Total domestic deposits to total assets | 84.4443% | 3,373 |
| Equity capital to assets | 12.6597% | 1,572 |
| Core capital (leverage) ratio | 12.6469% | 1,317 |
| Tier 1 risk-based capital ratio | 23.4794% | 1,011 |
| Total risk-based capital ratio | 23.4794% | 1,153 |
| Memoranda: | ||
| Average total assets | $109,013,000 | 4,355 |
| Average earning assets | $98,884,000 | 4,403 |
| Average equity | $14,269,330 | 4,006 |
| Average total loans | $49,089,670 | 4,782 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6800% | 4,436 |
| Cost of funding earning assets | 0.6673% | 1,009 |
| Net interest margin | 3.0127% | 5,185 |
| Noninterest income to average assets | 0.3229% | 4,605 |
| Noninterest expense to average assets | 5.8762% | 197 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -2.8448% | 6,385 |
| Return on assets (ROA) | -2.9202% | 6,388 |
| Pretax return on assets | -2.8915% | 6,386 |
| Return on Equity (ROE) | -21.9725% | 6,363 |
| Retained earnings to average equity (ytd only) | -21.9725% | 6,290 |
| Net charge-offs to loans | -6.1779% | 6,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 192.0281% | 21 |
| Assets per employee ($millions) | 1.9343% | 6,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3976% | 94 |
| Loan loss allowance to noncurrent loans | 105.9772% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 5.4067% | 210 |
| Noncurrent loans to loans | 4.1495% | 403 |
| Net loans and leases to total assets | 44.0505% | 5,344 |
| Net loans and leases to deposits | 53.6806% | 5,218 |
| Net loans and leases to core deposits | 54.6347% | 5,338 |
| Total domestic deposits to total assets | 82.0604% | 4,494 |
| Equity capital to assets | 13.2223% | 1,293 |
| Core capital (leverage) ratio | 13.0712% | 1,130 |
| Tier 1 risk-based capital ratio | 22.3188% | 1,197 |
| Total risk-based capital ratio | 22.3188% | 1,381 |
| Memoranda: | ||
| Average total assets | $111,500,000 | 4,339 |
| Average earning assets | $101,304,500 | 4,360 |
| Average equity | $14,818,500 | 3,943 |
| Average total loans | $52,121,500 | 4,733 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3727% | 5,580 |
| Cost of funding earning assets | 0.6694% | 1,271 |
| Net interest margin | 2.7033% | 5,932 |
| Noninterest income to average assets | 1.9475% | 357 |
| Noninterest expense to average assets | 5.1027% | 290 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.6596% | 6,331 |
| Return on assets (ROA) | -0.9529% | 6,369 |
| Pretax return on assets | -0.9375% | 6,359 |
| Return on Equity (ROE) | -11.0759% | 6,376 |
| Retained earnings to average equity (ytd only) | -11.0759% | 6,334 |
| Net charge-offs to loans | -0.5753% | 6,409 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.4499% | 167 |
| Assets per employee ($millions) | 2.0879% | 6,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6739% | 441 |
| Loan loss allowance to noncurrent loans | 34.2030% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 7.1718% | 141 |
| Noncurrent loans to loans | 7.8178% | 120 |
| Net loans and leases to total assets | 46.1325% | 5,313 |
| Net loans and leases to deposits | 55.9358% | 5,189 |
| Net loans and leases to core deposits | 56.9002% | 5,321 |
| Total domestic deposits to total assets | 82.4740% | 4,261 |
| Equity capital to assets | 13.3565% | 1,209 |
| Core capital (leverage) ratio | 13.7873% | 869 |
| Tier 1 risk-based capital ratio | 21.7473% | 1,259 |
| Total risk-based capital ratio | 21.7908% | 1,474 |
| Memoranda: | ||
| Average total assets | $156,152,200 | 3,550 |
| Average earning assets | $145,045,800 | 3,523 |
| Average equity | $13,434,600 | 4,115 |
| Average total loans | $69,871,200 | 4,184 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3307% | 5,710 |
| Cost of funding earning assets | 0.6644% | 1,361 |
| Net interest margin | 2.6663% | 6,045 |
| Noninterest income to average assets | 0.6898% | 2,381 |
| Noninterest expense to average assets | 4.9004% | 330 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.7364% | 6,517 |
| Return on assets (ROA) | -1.6973% | 6,511 |
| Pretax return on assets | -1.6854% | 6,502 |
| Return on Equity (ROE) | -21.7569% | 6,519 |
| Retained earnings to average equity (ytd only) | -21.7569% | 6,501 |
| Net charge-offs to loans | -0.0288% | 5,726 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.2986% | 48 |
| Assets per employee ($millions) | 2.5475% | 6,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5836% | 2,360 |
| Loan loss allowance to noncurrent loans | 40.6945% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 3.9475% | 509 |
| Noncurrent loans to loans | 3.8914% | 562 |
| Net loans and leases to total assets | 39.7582% | 5,827 |
| Net loans and leases to deposits | 44.8191% | 5,930 |
| Net loans and leases to core deposits | 45.5408% | 5,970 |
| Total domestic deposits to total assets | 88.7082% | 1,398 |
| Equity capital to assets | 8.0221% | 6,122 |
| Core capital (leverage) ratio | 8.9126% | 5,177 |
| Tier 1 risk-based capital ratio | 16.3358% | 2,884 |
| Total risk-based capital ratio | 16.6331% | 3,317 |
| Memoranda: | ||
| Average total assets | $167,003,500 | 3,404 |
| Average earning assets | $155,720,000 | 3,366 |
| Average equity | $13,028,500 | 4,217 |
| Average total loans | $73,978,500 | 4,089 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4522% | 5,513 |
| Cost of funding earning assets | 0.6716% | 1,367 |
| Net interest margin | 2.7807% | 5,943 |
| Noninterest income to average assets | 0.7723% | 1,951 |
| Noninterest expense to average assets | 4.9773% | 318 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -1.6207% | 6,579 |
| Return on assets (ROA) | -1.6195% | 6,577 |
| Pretax return on assets | -1.6112% | 6,568 |
| Return on Equity (ROE) | -20.9504% | 6,576 |
| Retained earnings to average equity (ytd only) | -20.9504% | 6,537 |
| Net charge-offs to loans | 0.0235% | 3,730 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -150.7778% | 4,366 |
| Efficiency ratio | 147.9167% | 58 |
| Assets per employee ($millions) | 2.1619% | 6,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 3,114 |
| Loan loss allowance to noncurrent loans | 42.7551% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 4.0122% | 530 |
| Noncurrent loans to loans | 3.3886% | 807 |
| Net loans and leases to total assets | 41.5981% | 5,702 |
| Net loans and leases to deposits | 47.0499% | 5,824 |
| Net loans and leases to core deposits | 47.7942% | 5,908 |
| Total domestic deposits to total assets | 88.4129% | 1,675 |
| Equity capital to assets | 8.4550% | 5,836 |
| Core capital (leverage) ratio | 9.0484% | 4,948 |
| Tier 1 risk-based capital ratio | 15.9662% | 3,109 |
| Total risk-based capital ratio | 16.2789% | 3,569 |
| Memoranda: | ||
| Average total assets | $168,325,330 | 3,402 |
| Average earning assets | $156,941,670 | 3,365 |
| Average equity | $13,011,670 | 4,219 |
| Average total loans | $76,683,330 | 4,019 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5409% | 5,327 |
| Cost of funding earning assets | 0.6884% | 1,319 |
| Net interest margin | 2.8525% | 5,843 |
| Noninterest income to average assets | 0.5530% | 3,031 |
| Noninterest expense to average assets | 5.0764% | 305 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.8670% | 6,655 |
| Return on assets (ROA) | -1.8647% | 6,651 |
| Pretax return on assets | -1.8670% | 6,635 |
| Return on Equity (ROE) | -25.2885% | 6,648 |
| Retained earnings to average equity (ytd only) | -25.2885% | 6,586 |
| Net charge-offs to loans | -0.1853% | 6,356 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.2903% | 50 |
| Assets per employee ($millions) | 2.1739% | 6,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 3,749 |
| Loan loss allowance to noncurrent loans | 51.5005% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 4.4466% | 498 |
| Noncurrent loans to loans | 2.6572% | 1,282 |
| Net loans and leases to total assets | 45.2249% | 5,409 |
| Net loans and leases to deposits | 50.6670% | 5,544 |
| Net loans and leases to core deposits | 51.5661% | 5,646 |
| Total domestic deposits to total assets | 89.2592% | 1,501 |
| Equity capital to assets | 7.8682% | 6,138 |
| Core capital (leverage) ratio | 9.1503% | 4,789 |
| Tier 1 risk-based capital ratio | 15.0914% | 3,662 |
| Total risk-based capital ratio | 15.4203% | 4,160 |
| Memoranda: | ||
| Average total assets | $169,253,500 | 3,419 |
| Average earning assets | $157,476,000 | 3,383 |
| Average equity | $12,480,000 | 4,352 |
| Average total loans | $79,892,000 | 3,935 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6342% | 5,321 |
| Cost of funding earning assets | 0.7446% | 1,534 |
| Net interest margin | 2.8897% | 5,807 |
| Noninterest income to average assets | -0.4458% | 6,787 |
| Noninterest expense to average assets | 4.7890% | 413 |
| Loan and lease loss provision to assets | 0.3356% | 959 |
| Net operating income to assets | -2.9355% | 6,760 |
| Return on assets (ROA) | -2.8024% | 6,751 |
| Pretax return on assets | -2.8051% | 6,748 |
| Return on Equity (ROE) | -35.3009% | 6,743 |
| Retained earnings to average equity (ytd only) | -35.3009% | 6,740 |
| Net charge-offs to loans | 0.9660% | 615 |
| Credit loss provision to net charge-offs | 75.4601% | 3,157 |
| Earnings coverage of net charge-offs (x) | -5.8528% | 5,406 |
| Efficiency ratio | 219.0417% | 23 |
| Assets per employee ($millions) | 2.0857% | 6,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 4,379 |
| Loan loss allowance to noncurrent loans | 24.6579% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 4.2560% | 605 |
| Noncurrent loans to loans | 5.0772% | 482 |
| Net loans and leases to total assets | 47.9499% | 5,297 |
| Net loans and leases to deposits | 52.9780% | 5,551 |
| Net loans and leases to core deposits | 54.1430% | 5,662 |
| Total domestic deposits to total assets | 90.5090% | 809 |
| Equity capital to assets | 6.8770% | 6,488 |
| Core capital (leverage) ratio | 9.0788% | 4,889 |
| Tier 1 risk-based capital ratio | 14.6901% | 3,846 |
| Total risk-based capital ratio | 14.9762% | 4,444 |
| Memoranda: | ||
| Average total assets | $183,274,200 | 3,238 |
| Average earning assets | $166,940,200 | 3,255 |
| Average equity | $14,549,200 | 3,955 |
| Average total loans | $84,369,400 | 3,815 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5897% | 5,470 |
| Cost of funding earning assets | 0.7517% | 1,598 |
| Net interest margin | 2.8381% | 5,947 |
| Noninterest income to average assets | -0.6315% | 6,871 |
| Noninterest expense to average assets | 4.6936% | 442 |
| Loan and lease loss provision to assets | 0.3389% | 961 |
| Net operating income to assets | -3.0918% | 6,852 |
| Return on assets (ROA) | -2.9219% | 6,848 |
| Pretax return on assets | -2.9241% | 6,842 |
| Return on Equity (ROE) | -35.7274% | 6,831 |
| Retained earnings to average equity (ytd only) | -35.7274% | 6,827 |
| Net charge-offs to loans | 0.6152% | 1,008 |
| Credit loss provision to net charge-offs | 121.1735% | 1,943 |
| Earnings coverage of net charge-offs (x) | -9.8496% | 5,165 |
| Efficiency ratio | 242.1053% | 15 |
| Assets per employee ($millions) | 2.0798% | 6,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5512% | 3,224 |
| Loan loss allowance to noncurrent loans | 32.1472% | 5,909 |
| Noncurrent assets plus other real estate owned to assets | 4.3855% | 693 |
| Noncurrent loans to loans | 4.8252% | 643 |
| Net loans and leases to total assets | 48.7522% | 5,271 |
| Net loans and leases to deposits | 54.4006% | 5,498 |
| Net loans and leases to core deposits | 55.5959% | 5,659 |
| Total domestic deposits to total assets | 89.6171% | 1,214 |
| Equity capital to assets | 7.4159% | 6,420 |
| Core capital (leverage) ratio | 9.0572% | 5,035 |
| Tier 1 risk-based capital ratio | 14.4135% | 4,135 |
| Total risk-based capital ratio | 14.8801% | 4,630 |
| Memoranda: | ||
| Average total assets | $186,858,000 | 3,228 |
| Average earning assets | $169,219,750 | 3,255 |
| Average equity | $15,282,000 | 3,865 |
| Average total loans | $84,953,500 | 3,840 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4370% | 5,823 |
| Cost of funding earning assets | 0.7544% | 1,675 |
| Net interest margin | 2.6826% | 6,205 |
| Noninterest income to average assets | -3.0068% | 6,939 |
| Noninterest expense to average assets | 4.6636% | 462 |
| Loan and lease loss provision to assets | 0.4940% | 559 |
| Net operating income to assets | -5.7536% | 6,925 |
| Return on assets (ROA) | -5.6371% | 6,924 |
| Pretax return on assets | -5.6402% | 6,925 |
| Return on Equity (ROE) | -67.0778% | 6,922 |
| Retained earnings to average equity (ytd only) | -67.0778% | 6,919 |
| Net charge-offs to loans | 1.3510% | 418 |
| Credit loss provision to net charge-offs | 82.6087% | 2,575 |
| Earnings coverage of net charge-offs (x) | -8.8000% | 4,858 |
| Efficiency ratio | -778.4722% | 6,938 |
| Assets per employee ($millions) | 2.0612% | 6,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 4,397 |
| Loan loss allowance to noncurrent loans | 23.5922% | 6,218 |
| Noncurrent assets plus other real estate owned to assets | 4.5249% | 729 |
| Noncurrent loans to loans | 5.5983% | 541 |
| Net loans and leases to total assets | 45.3904% | 5,600 |
| Net loans and leases to deposits | 49.5927% | 5,876 |
| Net loans and leases to core deposits | 50.8196% | 5,976 |
| Total domestic deposits to total assets | 91.5264% | 370 |
| Equity capital to assets | 6.2440% | 6,723 |
| Core capital (leverage) ratio | 7.5384% | 6,440 |
| Tier 1 risk-based capital ratio | 12.6161% | 5,417 |
| Total risk-based capital ratio | 12.9684% | 5,937 |
| Memoranda: | ||
| Average total assets | $192,297,330 | 3,161 |
| Average earning assets | $172,594,670 | 3,220 |
| Average equity | $16,160,330 | 3,744 |
| Average total loans | $85,120,670 | 3,847 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3287% | 6,096 |
| Cost of funding earning assets | 0.7359% | 1,950 |
| Net interest margin | 2.5928% | 6,383 |
| Noninterest income to average assets | 0.4967% | 3,792 |
| Noninterest expense to average assets | 4.7483% | 441 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.9377% | 6,923 |
| Return on assets (ROA) | -1.8294% | 6,916 |
| Pretax return on assets | -1.8314% | 6,905 |
| Return on Equity (ROE) | -19.4048% | 6,894 |
| Retained earnings to average equity (ytd only) | -19.4048% | 6,825 |
| Net charge-offs to loans | -0.3623% | 6,804 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 169.0684% | 62 |
| Assets per employee ($millions) | 2.1514% | 6,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5534% | 3,601 |
| Loan loss allowance to noncurrent loans | 23.6360% | 6,239 |
| Noncurrent assets plus other real estate owned to assets | 6.5989% | 449 |
| Noncurrent loans to loans | 6.5723% | 485 |
| Net loans and leases to total assets | 42.6806% | 5,786 |
| Net loans and leases to deposits | 48.1459% | 5,915 |
| Net loans and leases to core deposits | 49.1896% | 6,021 |
| Total domestic deposits to total assets | 88.6485% | 1,901 |
| Equity capital to assets | 9.2505% | 5,197 |
| Core capital (leverage) ratio | 9.6211% | 3,882 |
| Tier 1 risk-based capital ratio | 16.9278% | 2,781 |
| Total risk-based capital ratio | 18.1784% | 2,760 |
| Memoranda: | ||
| Average total assets | $195,693,000 | 3,148 |
| Average earning assets | $174,480,500 | 3,215 |
| Average equity | $18,449,000 | 3,460 |
| Average total loans | $85,016,500 | 3,867 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7485% | 5,950 |
| Cost of funding earning assets | 0.7530% | 3,066 |
| Net interest margin | 2.9954% | 6,063 |
| Noninterest income to average assets | 0.6266% | 3,132 |
| Noninterest expense to average assets | 4.8773% | 417 |
| Loan and lease loss provision to assets | -0.1512% | 6,948 |
| Net operating income to assets | -1.4177% | 6,842 |
| Return on assets (ROA) | -1.2007% | 6,806 |
| Pretax return on assets | -1.1938% | 6,781 |
| Return on Equity (ROE) | -12.0687% | 6,765 |
| Retained earnings to average equity (ytd only) | -12.0687% | 6,699 |
| Net charge-offs to loans | 0.1235% | 4,445 |
| Credit loss provision to net charge-offs | -250.4132% | 6,430 |
| Earnings coverage of net charge-offs (x) | -25.8760% | 5,968 |
| Efficiency ratio | 147.1110% | 97 |
| Assets per employee ($millions) | 2.0180% | 6,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 4,039 |
| Loan loss allowance to noncurrent loans | 21.5377% | 6,346 |
| Noncurrent assets plus other real estate owned to assets | 6.9730% | 446 |
| Noncurrent loans to loans | 6.6175% | 496 |
| Net loans and leases to total assets | 42.9112% | 5,906 |
| Net loans and leases to deposits | 48.5720% | 6,064 |
| Net loans and leases to core deposits | 49.4165% | 6,179 |
| Total domestic deposits to total assets | 88.3457% | 1,997 |
| Equity capital to assets | 9.6008% | 4,750 |
| Core capital (leverage) ratio | 9.8802% | 3,569 |
| Tier 1 risk-based capital ratio | 16.9211% | 2,692 |
| Total risk-based capital ratio | 18.0710% | 2,699 |
| Memoranda: | ||
| Average total assets | $200,458,600 | 3,034 |
| Average earning assets | $179,940,800 | 3,094 |
| Average equity | $19,944,200 | 3,209 |
| Average total loans | $97,970,000 | 3,574 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8034% | 6,016 |
| Cost of funding earning assets | 0.7580% | 3,285 |
| Net interest margin | 3.0454% | 6,074 |
| Noninterest income to average assets | 0.5767% | 3,434 |
| Noninterest expense to average assets | 4.8219% | 415 |
| Loan and lease loss provision to assets | -0.0239% | 6,966 |
| Net operating income to assets | -1.5021% | 6,970 |
| Return on assets (ROA) | -1.3006% | 6,947 |
| Pretax return on assets | -1.2794% | 6,921 |
| Return on Equity (ROE) | -12.9607% | 6,902 |
| Retained earnings to average equity (ytd only) | -12.9607% | 6,873 |
| Net charge-offs to loans | 0.2602% | 3,165 |
| Credit loss provision to net charge-offs | -18.2741% | 6,118 |
| Earnings coverage of net charge-offs (x) | -11.5228% | 5,742 |
| Efficiency ratio | 145.3637% | 103 |
| Assets per employee ($millions) | 1.9092% | 7,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 4,173 |
| Loan loss allowance to noncurrent loans | 16.3666% | 6,570 |
| Noncurrent assets plus other real estate owned to assets | 8.0004% | 386 |
| Noncurrent loans to loans | 8.8351% | 318 |
| Net loans and leases to total assets | 52.1869% | 5,018 |
| Net loans and leases to deposits | 59.7400% | 5,239 |
| Net loans and leases to core deposits | 60.7658% | 5,479 |
| Total domestic deposits to total assets | 87.3568% | 2,461 |
| Equity capital to assets | 10.5443% | 3,788 |
| Core capital (leverage) ratio | 10.7938% | 2,612 |
| Tier 1 risk-based capital ratio | 16.9532% | 2,756 |
| Total risk-based capital ratio | 18.2041% | 2,718 |
| Memoranda: | ||
| Average total assets | $201,132,250 | 3,060 |
| Average earning assets | $180,990,250 | 3,105 |
| Average equity | $20,183,500 | 3,211 |
| Average total loans | $100,940,000 | 3,538 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6751% | 6,377 |
| Cost of funding earning assets | 0.7432% | 3,661 |
| Net interest margin | 2.9319% | 6,376 |
| Noninterest income to average assets | 0.4689% | 4,142 |
| Noninterest expense to average assets | 4.6908% | 459 |
| Loan and lease loss provision to assets | -0.0213% | 7,046 |
| Net operating income to assets | -1.5878% | 7,030 |
| Return on assets (ROA) | -1.4115% | 7,020 |
| Pretax return on assets | -1.3795% | 6,986 |
| Return on Equity (ROE) | -14.2827% | 6,970 |
| Retained earnings to average equity (ytd only) | -14.2827% | 6,928 |
| Net charge-offs to loans | 0.1865% | 3,461 |
| Credit loss provision to net charge-offs | -23.1579% | 5,949 |
| Earnings coverage of net charge-offs (x) | -17.1368% | 5,476 |
| Efficiency ratio | 150.6534% | 98 |
| Assets per employee ($millions) | 1.9597% | 7,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6928% | 3,248 |
| Loan loss allowance to noncurrent loans | 17.1623% | 6,598 |
| Noncurrent assets plus other real estate owned to assets | 8.7560% | 361 |
| Noncurrent loans to loans | 9.8638% | 281 |
| Net loans and leases to total assets | 50.5916% | 5,283 |
| Net loans and leases to deposits | 57.8637% | 5,463 |
| Net loans and leases to core deposits | 58.8381% | 5,707 |
| Total domestic deposits to total assets | 87.4324% | 2,513 |
| Equity capital to assets | 10.5239% | 3,660 |
| Core capital (leverage) ratio | 10.8796% | 2,414 |
| Tier 1 risk-based capital ratio | 17.2730% | 2,557 |
| Total risk-based capital ratio | 18.5254% | 2,522 |
| Memoranda: | ||
| Average total assets | $206,446,330 | 3,015 |
| Average earning assets | $186,228,000 | 3,037 |
| Average equity | $20,402,330 | 3,177 |
| Average total loans | $101,899,000 | 3,517 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5264% | 6,661 |
| Cost of funding earning assets | 0.7200% | 4,109 |
| Net interest margin | 2.8064% | 6,633 |
| Noninterest income to average assets | 0.7903% | 2,210 |
| Noninterest expense to average assets | 4.6122% | 498 |
| Loan and lease loss provision to assets | -0.0241% | 7,125 |
| Net operating income to assets | -1.2838% | 7,046 |
| Return on assets (ROA) | -1.4137% | 7,083 |
| Pretax return on assets | -1.3822% | 7,064 |
| Return on Equity (ROE) | -14.7218% | 7,064 |
| Retained earnings to average equity (ytd only) | -14.7218% | 6,967 |
| Net charge-offs to loans | 0.1877% | 2,979 |
| Credit loss provision to net charge-offs | -26.5306% | 5,389 |
| Earnings coverage of net charge-offs (x) | -14.0408% | 4,697 |
| Efficiency ratio | 138.2647% | 140 |
| Assets per employee ($millions) | 2.0109% | 7,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6673% | 3,478 |
| Loan loss allowance to noncurrent loans | 27.3358% | 6,290 |
| Noncurrent assets plus other real estate owned to assets | 6.1673% | 746 |
| Noncurrent loans to loans | 6.0995% | 821 |
| Net loans and leases to total assets | 52.8520% | 4,901 |
| Net loans and leases to deposits | 60.3594% | 5,107 |
| Net loans and leases to core deposits | 61.5467% | 5,375 |
| Total domestic deposits to total assets | 87.5622% | 2,614 |
| Equity capital to assets | 10.8577% | 3,076 |
| Core capital (leverage) ratio | 11.1978% | 2,111 |
| Tier 1 risk-based capital ratio | 17.1192% | 2,639 |
| Total risk-based capital ratio | 18.3704% | 2,599 |
| Memoranda: | ||
| Average total assets | $215,602,500 | 2,938 |
| Average earning assets | $195,551,000 | 2,957 |
| Average equity | $20,704,000 | 3,143 |
| Average total loans | $104,439,000 | 3,495 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9977% | 6,458 |
| Cost of funding earning assets | 0.8803% | 4,250 |
| Net interest margin | 3.1174% | 6,304 |
| Noninterest income to average assets | 0.2021% | 6,058 |
| Noninterest expense to average assets | 3.8943% | 1,192 |
| Loan and lease loss provision to assets | -0.0516% | 7,247 |
| Net operating income to assets | -0.7844% | 6,648 |
| Return on assets (ROA) | -0.4478% | 6,504 |
| Pretax return on assets | -0.4641% | 6,464 |
| Return on Equity (ROE) | -5.2863% | 6,544 |
| Retained earnings to average equity (ytd only) | -5.2863% | 6,467 |
| Net charge-offs to loans | 0.9192% | 1,886 |
| Credit loss provision to net charge-offs | -11.6279% | 6,620 |
| Earnings coverage of net charge-offs (x) | -1.9517% | 6,277 |
| Efficiency ratio | 128.6089% | 240 |
| Assets per employee ($millions) | 2.6324% | 6,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 3,432 |
| Loan loss allowance to noncurrent loans | 48.4013% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 3.7477% | 1,553 |
| Noncurrent loans to loans | 3.3818% | 1,909 |
| Net loans and leases to total assets | 43.5727% | 6,248 |
| Net loans and leases to deposits | 57.4022% | 5,761 |
| Net loans and leases to core deposits | 59.9467% | 5,853 |
| Total domestic deposits to total assets | 75.9077% | 6,499 |
| Equity capital to assets | 8.6234% | 5,987 |
| Core capital (leverage) ratio | 9.0452% | 4,699 |
| Tier 1 risk-based capital ratio | 16.5863% | 2,785 |
| Total risk-based capital ratio | 17.5924% | 2,858 |
| Memoranda: | ||
| Average total assets | $251,879,600 | 2,503 |
| Average earning assets | $228,332,000 | 2,527 |
| Average equity | $21,338,200 | 2,973 |
| Average total loans | $121,625,200 | 3,147 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1142% | 6,381 |
| Cost of funding earning assets | 0.9394% | 4,119 |
| Net interest margin | 3.1748% | 6,220 |
| Noninterest income to average assets | 0.0031% | 7,094 |
| Noninterest expense to average assets | 3.8530% | 1,228 |
| Loan and lease loss provision to assets | -0.1395% | 7,370 |
| Net operating income to assets | -0.8546% | 6,825 |
| Return on assets (ROA) | -0.3649% | 6,610 |
| Pretax return on assets | -0.3502% | 6,531 |
| Return on Equity (ROE) | -4.3259% | 6,644 |
| Retained earnings to average equity (ytd only) | -4.3259% | 6,540 |
| Net charge-offs to loans | 0.6634% | 2,258 |
| Credit loss provision to net charge-offs | -42.6966% | 6,461 |
| Earnings coverage of net charge-offs (x) | -2.9984% | 6,059 |
| Efficiency ratio | 134.0814% | 203 |
| Assets per employee ($millions) | 2.4819% | 6,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8920% | 2,636 |
| Loan loss allowance to noncurrent loans | 51.0007% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 5.1196% | 1,118 |
| Noncurrent loans to loans | 3.7098% | 1,834 |
| Net loans and leases to total assets | 45.0903% | 6,235 |
| Net loans and leases to deposits | 62.0829% | 5,392 |
| Net loans and leases to core deposits | 67.0469% | 5,303 |
| Total domestic deposits to total assets | 72.6292% | 6,886 |
| Equity capital to assets | 8.8162% | 5,964 |
| Core capital (leverage) ratio | 9.1881% | 4,642 |
| Tier 1 risk-based capital ratio | 16.4159% | 2,902 |
| Total risk-based capital ratio | 17.4320% | 2,985 |
| Memoranda: | ||
| Average total assets | $254,305,250 | 2,492 |
| Average earning assets | $229,928,500 | 2,512 |
| Average equity | $21,451,750 | 2,958 |
| Average total loans | $125,211,750 | 3,095 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2544% | 6,148 |
| Cost of funding earning assets | 1.0226% | 3,799 |
| Net interest margin | 3.2318% | 6,055 |
| Noninterest income to average assets | 0.3891% | 4,766 |
| Noninterest expense to average assets | 3.8737% | 1,237 |
| Loan and lease loss provision to assets | 0.2783% | 3,153 |
| Net operating income to assets | -0.8574% | 6,894 |
| Return on assets (ROA) | -0.7124% | 6,832 |
| Pretax return on assets | -0.6977% | 6,767 |
| Return on Equity (ROE) | -8.5669% | 6,884 |
| Retained earnings to average equity (ytd only) | -8.5669% | 6,801 |
| Net charge-offs to loans | 0.7217% | 2,068 |
| Credit loss provision to net charge-offs | 76.7094% | 3,867 |
| Earnings coverage of net charge-offs (x) | -1.5556% | 5,687 |
| Efficiency ratio | 117.0532% | 375 |
| Assets per employee ($millions) | 2.6078% | 6,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4070% | 1,578 |
| Loan loss allowance to noncurrent loans | 123.3916% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 4.9338% | 1,241 |
| Noncurrent loans to loans | 1.9507% | 3,543 |
| Net loans and leases to total assets | 45.9450% | 6,276 |
| Net loans and leases to deposits | 62.5886% | 5,436 |
| Net loans and leases to core deposits | 69.4251% | 5,134 |
| Total domestic deposits to total assets | 73.4080% | 6,890 |
| Equity capital to assets | 8.1511% | 6,550 |
| Core capital (leverage) ratio | 8.6461% | 5,313 |
| Tier 1 risk-based capital ratio | 14.7659% | 3,635 |
| Total risk-based capital ratio | 15.8080% | 3,725 |
| Memoranda: | ||
| Average total assets | $257,999,330 | 2,476 |
| Average earning assets | $233,122,670 | 2,502 |
| Average equity | $21,454,670 | 2,934 |
| Average total loans | $129,687,330 | 3,043 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4081% | 5,663 |
| Cost of funding earning assets | 1.1579% | 3,100 |
| Net interest margin | 3.2502% | 5,921 |
| Noninterest income to average assets | 0.2886% | 5,607 |
| Noninterest expense to average assets | 3.8300% | 1,291 |
| Loan and lease loss provision to assets | -0.0170% | 7,451 |
| Net operating income to assets | -0.5972% | 6,865 |
| Return on assets (ROA) | -0.5833% | 6,863 |
| Pretax return on assets | -0.5694% | 6,794 |
| Return on Equity (ROE) | -6.9465% | 6,914 |
| Retained earnings to average equity (ytd only) | -6.9465% | 6,674 |
| Net charge-offs to loans | 0.1786% | 3,426 |
| Credit loss provision to net charge-offs | -18.3333% | 5,603 |
| Earnings coverage of net charge-offs (x) | -6.4833% | 5,038 |
| Efficiency ratio | 118.5858% | 362 |
| Assets per employee ($millions) | 2.5075% | 6,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2995% | 1,768 |
| Loan loss allowance to noncurrent loans | 116.8061% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 4.6536% | 1,381 |
| Noncurrent loans to loans | 1.9686% | 3,615 |
| Net loans and leases to total assets | 48.7244% | 5,988 |
| Net loans and leases to deposits | 56.0464% | 6,116 |
| Net loans and leases to core deposits | 61.5559% | 5,969 |
| Total domestic deposits to total assets | 86.9359% | 2,980 |
| Equity capital to assets | 8.4063% | 6,041 |
| Core capital (leverage) ratio | 8.8542% | 4,845 |
| Tier 1 risk-based capital ratio | 14.4368% | 3,782 |
| Total risk-based capital ratio | 15.4880% | 3,883 |
| Memoranda: | ||
| Average total assets | $259,218,000 | 2,483 |
| Average earning assets | $234,569,500 | 2,501 |
| Average equity | $21,766,500 | 2,897 |
| Average total loans | $134,374,000 | 2,996 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6527% | 5,947 |
| Cost of funding earning assets | 1.5115% | 2,567 |
| Net interest margin | 3.1412% | 6,412 |
| Noninterest income to average assets | 0.3151% | 5,541 |
| Noninterest expense to average assets | 4.1415% | 967 |
| Loan and lease loss provision to assets | 0.3012% | 4,399 |
| Net operating income to assets | -1.3321% | 6,845 |
| Return on assets (ROA) | -1.6092% | 6,965 |
| Pretax return on assets | -1.5726% | 6,882 |
| Return on Equity (ROE) | -17.6595% | 6,991 |
| Retained earnings to average equity (ytd only) | -17.6595% | 6,961 |
| Net charge-offs to loans | 0.6306% | 3,131 |
| Credit loss provision to net charge-offs | 84.9097% | 5,346 |
| Earnings coverage of net charge-offs (x) | -2.8034% | 6,736 |
| Efficiency ratio | 131.5966% | 306 |
| Assets per employee ($millions) | 2.4549% | 7,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1275% | 2,006 |
| Loan loss allowance to noncurrent loans | 35.7619% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 6.7011% | 840 |
| Noncurrent loans to loans | 5.9491% | 1,054 |
| Net loans and leases to total assets | 52.6099% | 5,840 |
| Net loans and leases to deposits | 60.3975% | 6,012 |
| Net loans and leases to core deposits | 67.3616% | 5,737 |
| Total domestic deposits to total assets | 87.1061% | 2,763 |
| Equity capital to assets | 8.3879% | 6,022 |
| Core capital (leverage) ratio | 8.7707% | 4,900 |
| Tier 1 risk-based capital ratio | 13.1832% | 4,462 |
| Total risk-based capital ratio | 14.2540% | 4,561 |
| Memoranda: | ||
| Average total assets | $265,293,200 | 2,397 |
| Average earning assets | $239,172,800 | 2,434 |
| Average equity | $24,174,000 | 2,642 |
| Average total loans | $149,216,600 | 2,790 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8190% | 5,583 |
| Cost of funding earning assets | 1.5390% | 2,728 |
| Net interest margin | 3.2801% | 6,081 |
| Noninterest income to average assets | 0.3820% | 5,097 |
| Noninterest expense to average assets | 4.0323% | 1,015 |
| Loan and lease loss provision to assets | 0.8227% | 1,841 |
| Net operating income to assets | -1.5416% | 7,117 |
| Return on assets (ROA) | -1.9101% | 7,232 |
| Pretax return on assets | -1.8880% | 7,165 |
| Return on Equity (ROE) | -20.5586% | 7,234 |
| Retained earnings to average equity (ytd only) | -20.5586% | 7,219 |
| Net charge-offs to loans | 1.4645% | 1,380 |
| Credit loss provision to net charge-offs | 98.7959% | 4,416 |
| Earnings coverage of net charge-offs (x) | -0.8368% | 6,422 |
| Efficiency ratio | 120.8928% | 382 |
| Assets per employee ($millions) | 2.3421% | 7,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0721% | 2,067 |
| Loan loss allowance to noncurrent loans | 48.7752% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 5.6193% | 1,090 |
| Noncurrent loans to loans | 4.2482% | 1,717 |
| Net loans and leases to total assets | 55.8228% | 5,568 |
| Net loans and leases to deposits | 63.4607% | 5,977 |
| Net loans and leases to core deposits | 71.5845% | 5,562 |
| Total domestic deposits to total assets | 87.9644% | 1,981 |
| Equity capital to assets | 8.5348% | 6,239 |
| Core capital (leverage) ratio | 8.8812% | 4,874 |
| Tier 1 risk-based capital ratio | 12.1317% | 5,332 |
| Total risk-based capital ratio | 13.2192% | 5,454 |
| Memoranda: | ||
| Average total assets | $265,947,750 | 2,433 |
| Average earning assets | $239,461,750 | 2,470 |
| Average equity | $24,709,250 | 2,623 |
| Average total loans | $151,221,500 | 2,789 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8428% | 5,629 |
| Cost of funding earning assets | 1.5633% | 2,881 |
| Net interest margin | 3.2795% | 6,081 |
| Noninterest income to average assets | -0.3529% | 7,724 |
| Noninterest expense to average assets | 4.0131% | 1,025 |
| Loan and lease loss provision to assets | 0.5368% | 2,637 |
| Net operating income to assets | -1.9829% | 7,300 |
| Return on assets (ROA) | -2.2682% | 7,377 |
| Pretax return on assets | -2.2412% | 7,308 |
| Return on Equity (ROE) | -23.7721% | 7,351 |
| Retained earnings to average equity (ytd only) | -23.7721% | 7,336 |
| Net charge-offs to loans | 0.9607% | 1,921 |
| Credit loss provision to net charge-offs | 98.3494% | 4,175 |
| Earnings coverage of net charge-offs (x) | -2.5997% | 6,243 |
| Efficiency ratio | 154.7033% | 191 |
| Assets per employee ($millions) | 2.1478% | 7,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0341% | 2,106 |
| Loan loss allowance to noncurrent loans | 21.7624% | 6,857 |
| Noncurrent assets plus other real estate owned to assets | 7.2666% | 712 |
| Noncurrent loans to loans | 9.3467% | 495 |
| Net loans and leases to total assets | 56.6750% | 5,600 |
| Net loans and leases to deposits | 64.4052% | 5,986 |
| Net loans and leases to core deposits | 73.7641% | 5,473 |
| Total domestic deposits to total assets | 87.9976% | 2,005 |
| Equity capital to assets | 8.8988% | 5,602 |
| Core capital (leverage) ratio | 9.1318% | 4,404 |
| Tier 1 risk-based capital ratio | 12.7375% | 4,658 |
| Total risk-based capital ratio | 13.8225% | 4,773 |
| Memoranda: | ||
| Average total assets | $266,378,000 | 2,450 |
| Average earning assets | $239,363,330 | 2,487 |
| Average equity | $25,416,330 | 2,547 |
| Average total loans | $151,340,330 | 2,812 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9919% | 5,050 |
| Cost of funding earning assets | 1.6138% | 2,874 |
| Net interest margin | 3.3781% | 5,678 |
| Noninterest income to average assets | 0.5961% | 3,297 |
| Noninterest expense to average assets | 3.9880% | 1,053 |
| Loan and lease loss provision to assets | -0.2928% | 7,889 |
| Net operating income to assets | -0.1426% | 6,469 |
| Return on assets (ROA) | -0.7507% | 7,012 |
| Pretax return on assets | -0.7087% | 6,902 |
| Return on Equity (ROE) | -7.6119% | 7,034 |
| Retained earnings to average equity (ytd only) | -7.6119% | 6,798 |
| Net charge-offs to loans | -0.4828% | 7,793 |
| Credit loss provision to net charge-offs | 107.7348% | 3,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.9440% | 581 |
| Assets per employee ($millions) | 2.3072% | 7,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0654% | 2,032 |
| Loan loss allowance to noncurrent loans | 38.1998% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 7.9742% | 621 |
| Noncurrent loans to loans | 5.4068% | 1,303 |
| Net loans and leases to total assets | 54.5480% | 5,951 |
| Net loans and leases to deposits | 62.7486% | 6,203 |
| Net loans and leases to core deposits | 68.9540% | 6,008 |
| Total domestic deposits to total assets | 86.9310% | 2,667 |
| Equity capital to assets | 9.6829% | 4,252 |
| Core capital (leverage) ratio | 9.8623% | 3,325 |
| Tier 1 risk-based capital ratio | 13.5590% | 3,952 |
| Total risk-based capital ratio | 14.6491% | 4,013 |
| Memoranda: | ||
| Average total assets | $266,402,500 | 2,506 |
| Average earning assets | $236,462,000 | 2,573 |
| Average equity | $26,274,500 | 2,491 |
| Average total loans | $149,972,500 | 2,899 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9032% | 6,706 |
| Cost of funding earning assets | 1.8737% | 3,602 |
| Net interest margin | 3.0295% | 6,566 |
| Noninterest income to average assets | 0.7865% | 2,471 |
| Noninterest expense to average assets | 4.2800% | 1,010 |
| Loan and lease loss provision to assets | 0.6956% | 3,036 |
| Net operating income to assets | -1.4625% | 6,834 |
| Return on assets (ROA) | -1.7098% | 6,972 |
| Pretax return on assets | -1.7072% | 6,823 |
| Return on Equity (ROE) | -16.1551% | 6,996 |
| Retained earnings to average equity (ytd only) | -16.1551% | 6,945 |
| Net charge-offs to loans | 0.7511% | 2,947 |
| Credit loss provision to net charge-offs | 162.8028% | 2,699 |
| Earnings coverage of net charge-offs (x) | -1.7889% | 6,990 |
| Efficiency ratio | 121.7410% | 582 |
| Assets per employee ($millions) | 2.1183% | 7,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1213% | 1,788 |
| Loan loss allowance to noncurrent loans | 27.8210% | 6,617 |
| Noncurrent assets plus other real estate owned to assets | 9.5571% | 407 |
| Noncurrent loans to loans | 7.6249% | 680 |
| Net loans and leases to total assets | 55.7119% | 5,996 |
| Net loans and leases to deposits | 64.5107% | 6,212 |
| Net loans and leases to core deposits | 81.6026% | 5,944 |
| Total domestic deposits to total assets | 86.3608% | 2,833 |
| Equity capital to assets | 10.0506% | 3,691 |
| Core capital (leverage) ratio | 10.4688% | 2,638 |
| Tier 1 risk-based capital ratio | 14.0290% | 3,484 |
| Total risk-based capital ratio | 15.1169% | 3,536 |
| Memoranda: | ||
| Average total assets | $270,562,000 | 2,414 |
| Average earning assets | $243,737,200 | 2,468 |
| Average equity | $28,635,000 | 2,323 |
| Average total loans | $153,911,600 | 2,861 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0086% | 6,579 |
| Cost of funding earning assets | 1.9546% | 3,596 |
| Net interest margin | 3.0539% | 6,448 |
| Noninterest income to average assets | 0.4951% | 4,525 |
| Noninterest expense to average assets | 4.2377% | 992 |
| Loan and lease loss provision to assets | 0.9634% | 1,995 |
| Net operating income to assets | -1.9428% | 7,292 |
| Return on assets (ROA) | -2.1699% | 7,369 |
| Pretax return on assets | -2.1699% | 7,240 |
| Return on Equity (ROE) | -20.2591% | 7,381 |
| Retained earnings to average equity (ytd only) | -20.2591% | 7,347 |
| Net charge-offs to loans | 0.8765% | 2,213 |
| Credit loss provision to net charge-offs | 193.2419% | 2,338 |
| Earnings coverage of net charge-offs (x) | -1.9647% | 6,738 |
| Efficiency ratio | 130.0614% | 476 |
| Assets per employee ($millions) | 2.1080% | 7,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1792% | 1,457 |
| Loan loss allowance to noncurrent loans | 27.5310% | 6,623 |
| Noncurrent assets plus other real estate owned to assets | 8.8558% | 444 |
| Noncurrent loans to loans | 7.9154% | 621 |
| Net loans and leases to total assets | 58.3766% | 5,834 |
| Net loans and leases to deposits | 73.1775% | 5,488 |
| Net loans and leases to core deposits | 96.9009% | 4,718 |
| Total domestic deposits to total assets | 79.7739% | 5,530 |
| Equity capital to assets | 10.2426% | 3,796 |
| Core capital (leverage) ratio | 10.5971% | 2,716 |
| Tier 1 risk-based capital ratio | 13.4572% | 3,888 |
| Total risk-based capital ratio | 14.5533% | 3,932 |
| Memoranda: | ||
| Average total assets | $273,064,750 | 2,404 |
| Average earning assets | $247,064,500 | 2,450 |
| Average equity | $29,247,000 | 2,308 |
| Average total loans | $155,313,500 | 2,865 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0517% | 6,610 |
| Cost of funding earning assets | 2.0424% | 3,559 |
| Net interest margin | 3.0093% | 6,527 |
| Noninterest income to average assets | 0.3890% | 5,387 |
| Noninterest expense to average assets | 3.9214% | 1,442 |
| Loan and lease loss provision to assets | 1.3347% | 1,296 |
| Net operating income to assets | -2.1328% | 7,461 |
| Return on assets (ROA) | -2.2178% | 7,484 |
| Pretax return on assets | -2.2236% | 7,353 |
| Return on Equity (ROE) | -20.4291% | 7,514 |
| Retained earnings to average equity (ytd only) | -20.4291% | 7,465 |
| Net charge-offs to loans | 0.7974% | 2,086 |
| Credit loss provision to net charge-offs | 298.8710% | 1,568 |
| Earnings coverage of net charge-offs (x) | -1.8000% | 6,334 |
| Efficiency ratio | 125.7856% | 575 |
| Assets per employee ($millions) | 2.2028% | 7,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3791% | 1,016 |
| Loan loss allowance to noncurrent loans | 62.0309% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 7.1249% | 583 |
| Noncurrent loans to loans | 3.8353% | 1,774 |
| Net loans and leases to total assets | 55.7757% | 6,232 |
| Net loans and leases to deposits | 76.7386% | 5,062 |
| Net loans and leases to core deposits | 102.1744% | 4,271 |
| Total domestic deposits to total assets | 72.6828% | 7,154 |
| Equity capital to assets | 10.4336% | 3,484 |
| Core capital (leverage) ratio | 10.7362% | 2,623 |
| Tier 1 risk-based capital ratio | 13.8215% | 3,613 |
| Total risk-based capital ratio | 14.9224% | 3,637 |
| Memoranda: | ||
| Average total assets | $277,656,670 | 2,396 |
| Average earning assets | $251,756,670 | 2,423 |
| Average equity | $30,143,330 | 2,253 |
| Average total loans | $155,506,000 | 2,897 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9017% | 7,174 |
| Cost of funding earning assets | 2.1149% | 3,583 |
| Net interest margin | 2.7868% | 7,022 |
| Noninterest income to average assets | 0.4466% | 4,813 |
| Noninterest expense to average assets | 3.7474% | 1,571 |
| Loan and lease loss provision to assets | 0.3757% | 3,074 |
| Net operating income to assets | -1.1386% | 7,326 |
| Return on assets (ROA) | -1.1754% | 7,362 |
| Pretax return on assets | -1.1669% | 7,237 |
| Return on Equity (ROE) | -10.6299% | 7,403 |
| Retained earnings to average equity (ytd only) | -10.6299% | 7,167 |
| Net charge-offs to loans | 0.7847% | 1,642 |
| Credit loss provision to net charge-offs | 86.3192% | 4,080 |
| Earnings coverage of net charge-offs (x) | -1.7329% | 5,452 |
| Efficiency ratio | 125.2013% | 566 |
| Assets per employee ($millions) | 2.3498% | 7,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5147% | 2,892 |
| Loan loss allowance to noncurrent loans | 30.2184% | 6,538 |
| Noncurrent assets plus other real estate owned to assets | 6.4845% | 577 |
| Noncurrent loans to loans | 5.0125% | 1,081 |
| Net loans and leases to total assets | 55.8097% | 6,265 |
| Net loans and leases to deposits | 76.0754% | 5,215 |
| Net loans and leases to core deposits | 104.2790% | 4,110 |
| Total domestic deposits to total assets | 73.3610% | 6,993 |
| Equity capital to assets | 10.9641% | 2,992 |
| Core capital (leverage) ratio | 11.2202% | 2,322 |
| Tier 1 risk-based capital ratio | 14.9304% | 3,106 |
| Total risk-based capital ratio | 15.9138% | 3,151 |
| Memoranda: | ||
| Average total assets | $282,112,000 | 2,379 |
| Average earning assets | $257,787,500 | 2,388 |
| Average equity | $31,195,000 | 2,176 |
| Average total loans | $156,485,000 | 2,905 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6422% | 6,949 |
| Cost of funding earning assets | 2.6530% | 3,403 |
| Net interest margin | 2.9892% | 6,942 |
| Noninterest income to average assets | 0.7061% | 3,088 |
| Noninterest expense to average assets | 4.0875% | 1,299 |
| Loan and lease loss provision to assets | 0.5838% | 2,489 |
| Net operating income to assets | -1.2370% | 7,362 |
| Return on assets (ROA) | -1.0511% | 7,200 |
| Pretax return on assets | -0.9911% | 6,994 |
| Return on Equity (ROE) | -9.1783% | 7,211 |
| Retained earnings to average equity (ytd only) | -9.1783% | 6,987 |
| Net charge-offs to loans | 1.1157% | 1,084 |
| Credit loss provision to net charge-offs | 100.2877% | 5,283 |
| Earnings coverage of net charge-offs (x) | -1.0190% | 6,596 |
| Efficiency ratio | 116.9766% | 607 |
| Assets per employee ($millions) | 2.3912% | 7,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5541% | 2,430 |
| Loan loss allowance to noncurrent loans | 32.1647% | 6,582 |
| Noncurrent assets plus other real estate owned to assets | 4.8459% | 739 |
| Noncurrent loans to loans | 4.8318% | 935 |
| Net loans and leases to total assets | 53.4665% | 6,710 |
| Net loans and leases to deposits | 73.5468% | 5,893 |
| Net loans and leases to core deposits | 96.7101% | 5,180 |
| Total domestic deposits to total assets | 72.6973% | 6,883 |
| Equity capital to assets | 11.1481% | 2,924 |
| Core capital (leverage) ratio | 11.1608% | 2,454 |
| Tier 1 risk-based capital ratio | 15.2321% | 2,942 |
| Total risk-based capital ratio | 16.2294% | 2,972 |
| Memoranda: | ||
| Average total assets | $298,544,400 | 2,211 |
| Average earning assets | $278,472,200 | 2,182 |
| Average equity | $34,189,200 | 1,987 |
| Average total loans | $155,775,000 | 2,838 |