Home > Southern Bank & Trust > Performance and Condition Ratios
Southern Bank & Trust, Performance and Condition Ratios
| 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 | 4.6623% | 4,624 |
| Cost of funding earning assets | 1.2166% | 2,212 |
| Net interest margin | 3.4457% | 5,409 |
| Noninterest income to average assets | 0.3453% | 5,103 |
| Noninterest expense to average assets | 2.1699% | 6,343 |
| Loan and lease loss provision to assets | 0.8957% | 1,001 |
| Net operating income to assets | 0.3070% | 5,372 |
| Return on assets (ROA) | 0.3130% | 5,524 |
| Pretax return on assets | 0.4986% | 5,167 |
| Return on Equity (ROE) | 3.9320% | 5,028 |
| Retained earnings to average equity (ytd only) | 2.1242% | 5,075 |
| Net charge-offs to loans | 0.6227% | 2,382 |
| Credit loss provision to net charge-offs | 231.8436% | 1,227 |
| Earnings coverage of net charge-offs (x) | 3.5847% | 3,384 |
| Efficiency ratio | 61.0403% | 5,555 |
| Assets per employee ($millions) | 7.1457% | 684 |
| Cash dividends to net income (ytd only)* | 45.9767% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8470% | 982 |
| Loan loss allowance to noncurrent loans | 120.7132% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 2.6649% | 2,427 |
| Noncurrent loans to loans | 2.3585% | 2,941 |
| Net loans and leases to total assets | 58.4459% | 4,425 |
| Net loans and leases to deposits | 64.9896% | 5,050 |
| Net loans and leases to core deposits | 71.2839% | 4,807 |
| Total domestic deposits to total assets | 89.9311% | 902 |
| Equity capital to assets | 8.1183% | 6,626 |
| Core capital (leverage) ratio | 8.0369% | 6,361 |
| Tier 1 risk-based capital ratio | 12.5530% | 5,452 |
| Total risk-based capital ratio | 13.8207% | 5,420 |
| Memoranda: | ||
| Average total assets | $185,317,500 | 3,271 |
| Average earning assets | $172,614,500 | 3,208 |
| Average equity | $14,750,500 | 3,969 |
| Average total loans | $114,986,500 | 3,299 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7203% | 4,446 |
| Cost of funding earning assets | 1.2543% | 2,226 |
| Net interest margin | 3.4660% | 5,300 |
| Noninterest income to average assets | 0.3921% | 4,743 |
| Noninterest expense to average assets | 2.1473% | 6,509 |
| Loan and lease loss provision to assets | 0.9808% | 895 |
| Net operating income to assets | 0.3208% | 5,289 |
| Return on assets (ROA) | 0.3208% | 5,422 |
| Pretax return on assets | 0.5174% | 5,001 |
| Return on Equity (ROE) | 4.0575% | 4,917 |
| Retained earnings to average equity (ytd only) | 4.0575% | 3,621 |
| Net charge-offs to loans | 0.5514% | 2,450 |
| Credit loss provision to net charge-offs | 283.7500% | 1,078 |
| Earnings coverage of net charge-offs (x) | 4.3344% | 2,888 |
| Efficiency ratio | 58.9037% | 6,044 |
| Assets per employee ($millions) | 7.3527% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6864% | 1,193 |
| Loan loss allowance to noncurrent loans | 230.2256% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 1.7392% | 3,596 |
| Noncurrent loans to loans | 1.1668% | 4,704 |
| Net loans and leases to total assets | 60.3432% | 4,209 |
| Net loans and leases to deposits | 67.1528% | 4,829 |
| Net loans and leases to core deposits | 73.7007% | 4,616 |
| Total domestic deposits to total assets | 89.8595% | 1,039 |
| Equity capital to assets | 8.1456% | 6,554 |
| Core capital (leverage) ratio | 8.1500% | 6,099 |
| Tier 1 risk-based capital ratio | 12.3592% | 5,470 |
| Total risk-based capital ratio | 13.6249% | 5,434 |
| Memoranda: | ||
| Average total assets | $185,160,330 | 3,296 |
| Average earning assets | $173,802,000 | 3,204 |
| Average equity | $14,639,670 | 3,971 |
| Average total loans | $116,059,330 | 3,316 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6035% | 4,932 |
| Cost of funding earning assets | 1.2925% | 2,225 |
| Net interest margin | 3.3110% | 5,734 |
| Noninterest income to average assets | 0.3702% | 4,950 |
| Noninterest expense to average assets | 2.1417% | 6,546 |
| Loan and lease loss provision to assets | 0.8545% | 963 |
| Net operating income to assets | 0.3078% | 5,373 |
| Return on assets (ROA) | 0.3078% | 5,445 |
| Pretax return on assets | 0.5058% | 5,008 |
| Return on Equity (ROE) | 3.9522% | 4,933 |
| Retained earnings to average equity (ytd only) | 3.9522% | 3,805 |
| Net charge-offs to loans | 0.5397% | 2,145 |
| Credit loss provision to net charge-offs | 251.2658% | 1,240 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,580 |
| Efficiency ratio | 61.1555% | 5,811 |
| Assets per employee ($millions) | 7.4642% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3360% | 1,711 |
| Loan loss allowance to noncurrent loans | 156.5493% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 1.7524% | 3,636 |
| Noncurrent loans to loans | 1.4922% | 4,233 |
| Net loans and leases to total assets | 60.7835% | 4,120 |
| Net loans and leases to deposits | 68.0990% | 4,669 |
| Net loans and leases to core deposits | 74.3785% | 4,497 |
| Total domestic deposits to total assets | 89.2575% | 1,609 |
| Equity capital to assets | 7.7806% | 6,688 |
| Core capital (leverage) ratio | 7.9156% | 6,344 |
| Tier 1 risk-based capital ratio | 12.1047% | 5,597 |
| Total risk-based capital ratio | 13.3672% | 5,581 |
| Memoranda: | ||
| Average total assets | $185,832,000 | 3,302 |
| Average earning assets | $175,778,500 | 3,212 |
| Average equity | $14,473,000 | 4,003 |
| Average total loans | $117,097,500 | 3,310 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2288% | 3,469 |
| Cost of funding earning assets | 1.7943% | 1,192 |
| Net interest margin | 3.4345% | 5,500 |
| Noninterest income to average assets | 0.4996% | 4,172 |
| Noninterest expense to average assets | 2.3327% | 6,264 |
| Loan and lease loss provision to assets | 0.7695% | 2,130 |
| Net operating income to assets | 0.2337% | 5,165 |
| Return on assets (ROA) | 0.2337% | 5,315 |
| Pretax return on assets | 0.4313% | 4,847 |
| Return on Equity (ROE) | 2.8280% | 5,025 |
| Retained earnings to average equity (ytd only) | 2.8280% | 3,867 |
| Net charge-offs to loans | 0.8313% | 2,556 |
| Credit loss provision to net charge-offs | 130.9873% | 3,026 |
| Earnings coverage of net charge-offs (x) | 2.0440% | 4,200 |
| Efficiency ratio | 66.0166% | 4,967 |
| Assets per employee ($millions) | 7.4024% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0956% | 2,082 |
| Loan loss allowance to noncurrent loans | 113.1230% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 2.0048% | 3,341 |
| Noncurrent loans to loans | 1.8525% | 3,750 |
| Net loans and leases to total assets | 62.4574% | 4,183 |
| Net loans and leases to deposits | 70.1937% | 4,796 |
| Net loans and leases to core deposits | 76.9056% | 4,597 |
| Total domestic deposits to total assets | 88.9787% | 1,674 |
| Equity capital to assets | 7.7959% | 6,674 |
| Core capital (leverage) ratio | 7.8447% | 6,385 |
| Tier 1 risk-based capital ratio | 11.8427% | 5,624 |
| Total risk-based capital ratio | 13.1025% | 5,602 |
| Memoranda: | ||
| Average total assets | $174,131,000 | 3,462 |
| Average earning assets | $153,822,600 | 3,575 |
| Average equity | $14,392,000 | 4,049 |
| Average total loans | $123,059,400 | 3,254 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4830% | 2,503 |
| Cost of funding earning assets | 1.9180% | 972 |
| Net interest margin | 3.5650% | 5,039 |
| Noninterest income to average assets | 0.3952% | 4,998 |
| Noninterest expense to average assets | 2.3166% | 6,269 |
| Loan and lease loss provision to assets | 0.7374% | 2,077 |
| Net operating income to assets | 0.2435% | 5,377 |
| Return on assets (ROA) | 0.2435% | 5,533 |
| Pretax return on assets | 0.4310% | 5,137 |
| Return on Equity (ROE) | 2.9014% | 5,264 |
| Retained earnings to average equity (ytd only) | 2.9014% | 4,394 |
| Net charge-offs to loans | 0.4891% | 3,317 |
| Credit loss provision to net charge-offs | 207.8947% | 1,703 |
| Earnings coverage of net charge-offs (x) | 3.2939% | 3,502 |
| Efficiency ratio | 65.7143% | 4,920 |
| Assets per employee ($millions) | 7.2433% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7689% | 2,901 |
| Loan loss allowance to noncurrent loans | 66.5928% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 2.3370% | 3,042 |
| Noncurrent loans to loans | 2.6563% | 2,976 |
| Net loans and leases to total assets | 64.4925% | 4,018 |
| Net loans and leases to deposits | 72.6275% | 4,749 |
| Net loans and leases to core deposits | 82.6873% | 4,133 |
| Total domestic deposits to total assets | 88.7991% | 1,507 |
| Equity capital to assets | 8.0759% | 6,736 |
| Core capital (leverage) ratio | 8.0291% | 6,301 |
| Tier 1 risk-based capital ratio | 11.8895% | 5,562 |
| Total risk-based capital ratio | 13.1453% | 5,531 |
| Memoranda: | ||
| Average total assets | $171,399,000 | 3,549 |
| Average earning assets | $148,551,750 | 3,712 |
| Average equity | $14,383,250 | 4,116 |
| Average total loans | $124,310,000 | 3,276 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5429% | 2,357 |
| Cost of funding earning assets | 1.9841% | 945 |
| Net interest margin | 3.5589% | 5,009 |
| Noninterest income to average assets | 0.3651% | 5,216 |
| Noninterest expense to average assets | 2.3345% | 6,259 |
| Loan and lease loss provision to assets | 0.6149% | 2,331 |
| Net operating income to assets | 0.2664% | 5,309 |
| Return on assets (ROA) | 0.2664% | 5,460 |
| Pretax return on assets | 0.4769% | 4,975 |
| Return on Equity (ROE) | 3.1322% | 5,163 |
| Retained earnings to average equity (ytd only) | 3.1322% | 4,119 |
| Net charge-offs to loans | 0.3711% | 3,501 |
| Credit loss provision to net charge-offs | 220.9402% | 1,766 |
| Earnings coverage of net charge-offs (x) | 3.9231% | 3,120 |
| Efficiency ratio | 67.4072% | 4,691 |
| Assets per employee ($millions) | 6.7583% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5555% | 3,644 |
| Loan loss allowance to noncurrent loans | 42.7029% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 3.0100% | 2,366 |
| Noncurrent loans to loans | 3.6426% | 2,165 |
| Net loans and leases to total assets | 68.3967% | 3,269 |
| Net loans and leases to deposits | 77.3096% | 4,114 |
| Net loans and leases to core deposits | 88.7563% | 3,446 |
| Total domestic deposits to total assets | 88.4712% | 1,747 |
| Equity capital to assets | 8.2434% | 6,491 |
| Core capital (leverage) ratio | 8.2068% | 5,933 |
| Tier 1 risk-based capital ratio | 12.1101% | 5,213 |
| Total risk-based capital ratio | 13.3644% | 5,182 |
| Memoranda: | ||
| Average total assets | $168,171,000 | 3,634 |
| Average earning assets | $144,652,670 | 3,802 |
| Average equity | $14,303,000 | 4,134 |
| Average total loans | $126,117,330 | 3,275 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4428% | 2,855 |
| Cost of funding earning assets | 1.9747% | 1,171 |
| Net interest margin | 3.4681% | 5,294 |
| Noninterest income to average assets | 0.3674% | 5,202 |
| Noninterest expense to average assets | 2.3650% | 6,200 |
| Loan and lease loss provision to assets | 0.5742% | 2,198 |
| Net operating income to assets | 0.2701% | 5,420 |
| Return on assets (ROA) | 0.2701% | 5,542 |
| Pretax return on assets | 0.4793% | 5,030 |
| Return on Equity (ROE) | 3.1241% | 5,284 |
| Retained earnings to average equity (ytd only) | 3.1241% | 4,270 |
| Net charge-offs to loans | 0.4121% | 2,810 |
| Credit loss provision to net charge-offs | 178.7879% | 2,042 |
| Earnings coverage of net charge-offs (x) | 3.2803% | 2,953 |
| Efficiency ratio | 69.1103% | 4,487 |
| Assets per employee ($millions) | 7.3563% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 4,358 |
| Loan loss allowance to noncurrent loans | 64.8619% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.8523% | 3,706 |
| Noncurrent loans to loans | 2.1761% | 3,564 |
| Net loans and leases to total assets | 73.6901% | 2,038 |
| Net loans and leases to deposits | 83.5394% | 3,020 |
| Net loans and leases to core deposits | 98.0536% | 2,339 |
| Total domestic deposits to total assets | 88.2101% | 1,942 |
| Equity capital to assets | 8.4447% | 6,079 |
| Core capital (leverage) ratio | 8.4377% | 5,485 |
| Tier 1 risk-based capital ratio | 11.6965% | 5,498 |
| Total risk-based capital ratio | 12.9493% | 5,447 |
| Memoranda: | ||
| Average total assets | $164,398,500 | 3,759 |
| Average earning assets | $144,630,500 | 3,861 |
| Average equity | $14,212,000 | 4,192 |
| Average total loans | $128,134,500 | 3,298 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5630% | 3,795 |
| Cost of funding earning assets | 2.2381% | 1,875 |
| Net interest margin | 3.3249% | 5,640 |
| Noninterest income to average assets | 0.3926% | 5,269 |
| Noninterest expense to average assets | 2.6589% | 5,563 |
| Loan and lease loss provision to assets | 0.6474% | 3,213 |
| Net operating income to assets | 0.0436% | 5,354 |
| Return on assets (ROA) | 0.0739% | 5,322 |
| Pretax return on assets | 0.1584% | 5,089 |
| Return on Equity (ROE) | 0.7915% | 5,293 |
| Retained earnings to average equity (ytd only) | 0.7915% | 4,456 |
| Net charge-offs to loans | 0.6376% | 3,286 |
| Credit loss provision to net charge-offs | 123.4772% | 4,271 |
| Earnings coverage of net charge-offs (x) | 1.4467% | 4,680 |
| Efficiency ratio | 76.1098% | 3,509 |
| Assets per employee ($millions) | 6.6501% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 4,549 |
| Loan loss allowance to noncurrent loans | 54.3860% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 2.0482% | 3,336 |
| Noncurrent loans to loans | 2.4591% | 3,088 |
| Net loans and leases to total assets | 80.2421% | 951 |
| Net loans and leases to deposits | 91.6041% | 1,944 |
| Net loans and leases to core deposits | 130.2311% | 1,270 |
| Total domestic deposits to total assets | 87.5966% | 2,175 |
| Equity capital to assets | 8.8570% | 5,348 |
| Core capital (leverage) ratio | 8.8570% | 4,670 |
| Tier 1 risk-based capital ratio | 11.0691% | 5,854 |
| Total risk-based capital ratio | 12.3204% | 5,815 |
| Memoranda: | ||
| Average total assets | $150,289,000 | 3,956 |
| Average earning assets | $136,725,800 | 3,965 |
| Average equity | $14,024,200 | 4,245 |
| Average total loans | $123,597,000 | 3,409 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5658% | 4,059 |
| Cost of funding earning assets | 2.2773% | 2,080 |
| Net interest margin | 3.2885% | 5,690 |
| Noninterest income to average assets | 0.3812% | 5,466 |
| Noninterest expense to average assets | 2.8277% | 4,773 |
| Loan and lease loss provision to assets | 0.4010% | 3,910 |
| Net operating income to assets | 0.0690% | 5,559 |
| Return on assets (ROA) | 0.1099% | 5,492 |
| Pretax return on assets | 0.2172% | 5,261 |
| Return on Equity (ROE) | 1.1622% | 5,439 |
| Retained earnings to average equity (ytd only) | 1.1622% | 4,676 |
| Net charge-offs to loans | 0.0612% | 6,092 |
| Credit loss provision to net charge-offs | 794.6429% | 483 |
| Earnings coverage of net charge-offs (x) | 10.9829% | 1,895 |
| Efficiency ratio | 81.8812% | 2,594 |
| Assets per employee ($millions) | 6.5861% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5365% | 3,251 |
| Loan loss allowance to noncurrent loans | 108.2613% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 1.1248% | 4,829 |
| Noncurrent loans to loans | 1.4192% | 4,543 |
| Net loans and leases to total assets | 78.0356% | 1,561 |
| Net loans and leases to deposits | 89.0583% | 2,771 |
| Net loans and leases to core deposits | 134.3202% | 1,189 |
| Total domestic deposits to total assets | 87.6231% | 1,838 |
| Equity capital to assets | 8.5786% | 6,140 |
| Core capital (leverage) ratio | 8.5786% | 5,332 |
| Tier 1 risk-based capital ratio | 11.1441% | 5,821 |
| Total risk-based capital ratio | 12.3985% | 5,754 |
| Memoranda: | ||
| Average total assets | $147,960,750 | 4,007 |
| Average earning assets | $135,012,250 | 4,023 |
| Average equity | $13,996,250 | 4,301 |
| Average total loans | $122,045,250 | 3,472 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4715% | 4,775 |
| Cost of funding earning assets | 2.3578% | 2,132 |
| Net interest margin | 3.1137% | 6,193 |
| Noninterest income to average assets | 0.3638% | 5,601 |
| Noninterest expense to average assets | 2.9916% | 4,119 |
| Loan and lease loss provision to assets | 0.3708% | 3,699 |
| Net operating income to assets | -0.0835% | 5,981 |
| Return on assets (ROA) | -0.0197% | 5,947 |
| Pretax return on assets | 0.0112% | 5,843 |
| Return on Equity (ROE) | -0.2007% | 5,954 |
| Retained earnings to average equity (ytd only) | -0.2007% | 5,272 |
| Net charge-offs to loans | 0.0419% | 5,877 |
| Credit loss provision to net charge-offs | 1,056.0000% | 470 |
| Earnings coverage of net charge-offs (x) | 8.0400% | 2,325 |
| Efficiency ratio | 89.5324% | 1,856 |
| Assets per employee ($millions) | 5.9318% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 3,524 |
| Loan loss allowance to noncurrent loans | 154.9708% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.7761% | 5,452 |
| Noncurrent loans to loans | 0.9289% | 5,357 |
| Net loans and leases to total assets | 82.3468% | 893 |
| Net loans and leases to deposits | 94.5257% | 2,013 |
| Net loans and leases to core deposits | 140.0232% | 1,011 |
| Total domestic deposits to total assets | 87.1157% | 2,187 |
| Equity capital to assets | 9.0568% | 5,232 |
| Core capital (leverage) ratio | 9.0568% | 4,542 |
| Tier 1 risk-based capital ratio | 10.7726% | 6,118 |
| Total risk-based capital ratio | 12.0251% | 6,041 |
| Memoranda: | ||
| Average total assets | $142,396,670 | 4,129 |
| Average earning assets | $133,088,670 | 4,081 |
| Average equity | $13,953,330 | 4,315 |
| Average total loans | $119,229,330 | 3,553 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4824% | 5,002 |
| Cost of funding earning assets | 2.5145% | 1,863 |
| Net interest margin | 2.9680% | 6,562 |
| Noninterest income to average assets | 0.2755% | 6,222 |
| Noninterest expense to average assets | 2.9748% | 3,873 |
| Loan and lease loss provision to assets | 0.2872% | 3,659 |
| Net operating income to assets | -0.1566% | 6,490 |
| Return on assets (ROA) | -0.0234% | 6,426 |
| Pretax return on assets | 0.0029% | 6,369 |
| Return on Equity (ROE) | -0.2295% | 6,434 |
| Retained earnings to average equity (ytd only) | -0.2295% | 5,697 |
| Net charge-offs to loans | 0.0594% | 4,637 |
| Credit loss provision to net charge-offs | 576.4706% | 980 |
| Earnings coverage of net charge-offs (x) | 1.6471% | 3,907 |
| Efficiency ratio | 95.8773% | 1,326 |
| Assets per employee ($millions) | 5.9755% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4413% | 3,281 |
| Loan loss allowance to noncurrent loans | 254.9550% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.4458% | 6,160 |
| Noncurrent loans to loans | 0.5653% | 6,002 |
| Net loans and leases to total assets | 77.7250% | 1,888 |
| Net loans and leases to deposits | 93.1444% | 2,409 |
| Net loans and leases to core deposits | 124.1338% | 2,070 |
| Total domestic deposits to total assets | 83.4457% | 3,935 |
| Equity capital to assets | 9.3402% | 4,874 |
| Core capital (leverage) ratio | 9.3402% | 4,184 |
| Tier 1 risk-based capital ratio | 11.4262% | 5,480 |
| Total risk-based capital ratio | 12.6783% | 5,375 |
| Memoranda: | ||
| Average total assets | $136,481,500 | 4,269 |
| Average earning assets | $127,899,500 | 4,194 |
| Average equity | $13,946,000 | 4,348 |
| Average total loans | $114,416,000 | 3,686 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7185% | 1,959 |
| Cost of funding earning assets | 3.5441% | 463 |
| Net interest margin | 3.1744% | 6,449 |
| Noninterest income to average assets | 0.3014% | 6,299 |
| Noninterest expense to average assets | 3.2439% | 3,171 |
| Loan and lease loss provision to assets | 0.6591% | 2,204 |
| Net operating income to assets | -0.4925% | 6,920 |
| Return on assets (ROA) | -0.4286% | 6,731 |
| Pretax return on assets | -0.6139% | 6,747 |
| Return on Equity (ROE) | -3.3185% | 6,660 |
| Retained earnings to average equity (ytd only) | -3.3185% | 6,181 |
| Net charge-offs to loans | 0.2123% | 4,088 |
| Credit loss provision to net charge-offs | 345.4106% | 1,310 |
| Earnings coverage of net charge-offs (x) | -0.2415% | 6,391 |
| Efficiency ratio | 99.2505% | 1,009 |
| Assets per employee ($millions) | 5.1490% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 2,894 |
| Loan loss allowance to noncurrent loans | 366.4399% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 6,167 |
| Noncurrent loans to loans | 0.3972% | 6,155 |
| Net loans and leases to total assets | 88.5342% | 318 |
| Net loans and leases to deposits | 105.3155% | 1,186 |
| Net loans and leases to core deposits | 135.2089% | 1,525 |
| Total domestic deposits to total assets | 84.0657% | 3,296 |
| Equity capital to assets | 11.2797% | 2,821 |
| Core capital (leverage) ratio | 11.2797% | 2,386 |
| Tier 1 risk-based capital ratio | 12.3145% | 4,576 |
| Total risk-based capital ratio | 13.5663% | 4,457 |
| Memoranda: | ||
| Average total assets | $108,481,200 | 4,820 |
| Average earning assets | $98,980,600 | 4,833 |
| Average equity | $14,012,200 | 4,336 |
| Average total loans | $97,525,200 | 4,015 |