Home > Southern Commercial Bank > Performance and Condition Ratios
Southern Commercial Bank, Performance and Condition Ratios
| 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 | 3.0680% | 5,821 |
| Cost of funding earning assets | 0.2667% | 4,829 |
| Net interest margin | 2.8013% | 5,635 |
| Noninterest income to average assets | 0.3714% | 4,236 |
| Noninterest expense to average assets | 3.9014% | 767 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.6040% | 6,268 |
| Return on assets (ROA) | 1.7516% | 560 |
| Pretax return on assets | 2.4858% | 251 |
| Return on Equity (ROE) | 14.5262% | 783 |
| Retained earnings to average equity (ytd only) | 13.7413% | 380 |
| Net charge-offs to loans | -0.0045% | 4,469 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.0971% | 86 |
| Assets per employee ($millions) | 4.3457% | 3,297 |
| Cash dividends to net income (ytd only)* | 5.4030% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8840% | 332 |
| Loan loss allowance to noncurrent loans | 331.0000% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.6763% | 3,457 |
| Noncurrent loans to loans | 0.8713% | 3,068 |
| Net loans and leases to total assets | 50.8559% | 4,764 |
| Net loans and leases to deposits | 59.1638% | 4,812 |
| Net loans and leases to core deposits | 60.3197% | 4,970 |
| Total domestic deposits to total assets | 85.9577% | 2,965 |
| Equity capital to assets | 12.0861% | 1,963 |
| Core capital (leverage) ratio | 12.0205% | 1,623 |
| Tier 1 risk-based capital ratio | 21.0412% | 1,416 |
| Total risk-based capital ratio | 22.3083% | 1,387 |
| Memoranda: | ||
| Average total assets | $507,206,000 | 1,344 |
| Average earning assets | $479,925,000 | 1,316 |
| Average equity | $61,158,500 | 1,247 |
| Average total loans | $268,423,500 | 1,635 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5640% | 5,179 |
| Cost of funding earning assets | 0.3568% | 4,177 |
| Net interest margin | 3.2072% | 4,892 |
| Noninterest income to average assets | 0.4435% | 3,876 |
| Noninterest expense to average assets | 2.4837% | 4,599 |
| Loan and lease loss provision to assets | 0.0215% | 4,184 |
| Net operating income to assets | 0.7268% | 3,763 |
| Return on assets (ROA) | 0.8792% | 3,064 |
| Pretax return on assets | 1.1735% | 2,766 |
| Return on Equity (ROE) | 7.7573% | 3,241 |
| Retained earnings to average equity (ytd only) | 6.7239% | 1,536 |
| Net charge-offs to loans | 0.9355% | 341 |
| Credit loss provision to net charge-offs | 4.2902% | 4,165 |
| Earnings coverage of net charge-offs (x) | 1.9817% | 4,285 |
| Efficiency ratio | 71.4631% | 3,297 |
| Assets per employee ($millions) | 3.9559% | 4,053 |
| Cash dividends to net income (ytd only)* | 13.3215% | 4,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7889% | 382 |
| Loan loss allowance to noncurrent loans | 380.8809% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.6478% | 3,629 |
| Noncurrent loans to loans | 0.7322% | 3,490 |
| Net loans and leases to total assets | 51.9799% | 4,786 |
| Net loans and leases to deposits | 60.3571% | 4,874 |
| Net loans and leases to core deposits | 61.5067% | 5,040 |
| Total domestic deposits to total assets | 86.1205% | 2,771 |
| Equity capital to assets | 12.0301% | 2,001 |
| Core capital (leverage) ratio | 11.3783% | 2,068 |
| Tier 1 risk-based capital ratio | 18.7861% | 1,912 |
| Total risk-based capital ratio | 20.0508% | 1,871 |
| Memoranda: | ||
| Average total assets | $512,299,400 | 1,310 |
| Average earning assets | $484,310,200 | 1,270 |
| Average equity | $58,061,600 | 1,254 |
| Average total loans | $274,081,200 | 1,554 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5578% | 5,247 |
| Cost of funding earning assets | 0.3658% | 4,178 |
| Net interest margin | 3.1920% | 4,995 |
| Noninterest income to average assets | 0.4444% | 3,929 |
| Noninterest expense to average assets | 2.4773% | 4,603 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7625% | 3,614 |
| Return on assets (ROA) | 0.7735% | 3,658 |
| Pretax return on assets | 0.9992% | 3,594 |
| Return on Equity (ROE) | 6.9310% | 3,735 |
| Retained earnings to average equity (ytd only) | 6.0923% | 2,353 |
| Net charge-offs to loans | 1.1949% | 230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.5405% | 4,135 |
| Efficiency ratio | 71.5530% | 3,259 |
| Assets per employee ($millions) | 3.9252% | 4,034 |
| Cash dividends to net income (ytd only)* | 12.1009% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7847% | 445 |
| Loan loss allowance to noncurrent loans | 207.7869% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.9291% | 3,116 |
| Noncurrent loans to loans | 1.3402% | 2,405 |
| Net loans and leases to total assets | 52.0302% | 4,805 |
| Net loans and leases to deposits | 60.1316% | 4,927 |
| Net loans and leases to core deposits | 61.2889% | 5,088 |
| Total domestic deposits to total assets | 86.5272% | 2,573 |
| Equity capital to assets | 11.7965% | 2,220 |
| Core capital (leverage) ratio | 11.0703% | 2,416 |
| Tier 1 risk-based capital ratio | 18.3371% | 2,110 |
| Total risk-based capital ratio | 19.6018% | 2,068 |
| Memoranda: | ||
| Average total assets | $512,796,000 | 1,325 |
| Average earning assets | $484,821,500 | 1,276 |
| Average equity | $57,229,250 | 1,285 |
| Average total loans | $274,384,000 | 1,558 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5316% | 5,339 |
| Cost of funding earning assets | 0.3624% | 4,292 |
| Net interest margin | 3.1693% | 5,044 |
| Noninterest income to average assets | 0.4447% | 3,904 |
| Noninterest expense to average assets | 2.4846% | 4,633 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7475% | 3,580 |
| Return on assets (ROA) | 0.7293% | 3,777 |
| Pretax return on assets | 0.9302% | 3,762 |
| Return on Equity (ROE) | 6.6606% | 3,794 |
| Retained earnings to average equity (ytd only) | 5.8072% | 2,442 |
| Net charge-offs to loans | 1.6593% | 151 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.0741% | 3,894 |
| Efficiency ratio | 72.2650% | 3,285 |
| Assets per employee ($millions) | 3.9116% | 4,036 |
| Cash dividends to net income (ytd only)* | 12.8137% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8141% | 465 |
| Loan loss allowance to noncurrent loans | 225.1012% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.8795% | 3,347 |
| Noncurrent loans to loans | 1.2501% | 2,728 |
| Net loans and leases to total assets | 51.2872% | 4,823 |
| Net loans and leases to deposits | 59.1011% | 4,939 |
| Net loans and leases to core deposits | 60.1905% | 5,122 |
| Total domestic deposits to total assets | 86.7787% | 2,589 |
| Equity capital to assets | 11.1803% | 2,712 |
| Core capital (leverage) ratio | 10.8565% | 2,573 |
| Tier 1 risk-based capital ratio | 17.8009% | 2,308 |
| Total risk-based capital ratio | 19.0659% | 2,275 |
| Memoranda: | ||
| Average total assets | $513,637,670 | 1,314 |
| Average earning assets | $485,161,330 | 1,270 |
| Average equity | $56,241,000 | 1,293 |
| Average total loans | $274,812,000 | 1,557 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7348% | 4,727 |
| Cost of funding earning assets | 0.3645% | 4,387 |
| Net interest margin | 3.3703% | 4,257 |
| Noninterest income to average assets | 0.4453% | 3,818 |
| Noninterest expense to average assets | 2.6516% | 4,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7638% | 3,338 |
| Return on assets (ROA) | 0.7632% | 3,425 |
| Pretax return on assets | 0.9725% | 3,431 |
| Return on Equity (ROE) | 7.0468% | 3,455 |
| Retained earnings to average equity (ytd only) | 6.1750% | 2,445 |
| Net charge-offs to loans | 1.2150% | 276 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.4868% | 3,087 |
| Efficiency ratio | 73.1496% | 3,287 |
| Assets per employee ($millions) | 3.9254% | 4,091 |
| Cash dividends to net income (ytd only)* | 12.3711% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3648% | 304 |
| Loan loss allowance to noncurrent loans | 228.5714% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 1.0876% | 3,076 |
| Noncurrent loans to loans | 1.4721% | 2,580 |
| Net loans and leases to total assets | 51.9561% | 4,682 |
| Net loans and leases to deposits | 59.4897% | 4,807 |
| Net loans and leases to core deposits | 60.7535% | 4,973 |
| Total domestic deposits to total assets | 87.3362% | 2,611 |
| Equity capital to assets | 11.0152% | 2,698 |
| Core capital (leverage) ratio | 10.8749% | 2,518 |
| Tier 1 risk-based capital ratio | 17.4324% | 2,497 |
| Total risk-based capital ratio | 18.7031% | 2,462 |
| Memoranda: | ||
| Average total assets | $508,378,500 | 1,330 |
| Average earning assets | $479,599,000 | 1,290 |
| Average equity | $55,060,500 | 1,312 |
| Average total loans | $273,913,500 | 1,560 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9151% | 4,404 |
| Cost of funding earning assets | 0.4069% | 4,568 |
| Net interest margin | 3.5082% | 3,863 |
| Noninterest income to average assets | 0.5423% | 3,456 |
| Noninterest expense to average assets | 2.8397% | 3,572 |
| Loan and lease loss provision to assets | 0.0877% | 3,349 |
| Net operating income to assets | 0.6984% | 3,802 |
| Return on assets (ROA) | 0.6773% | 3,998 |
| Pretax return on assets | 0.8899% | 3,803 |
| Return on Equity (ROE) | 6.3803% | 3,880 |
| Retained earnings to average equity (ytd only) | 5.4992% | 2,278 |
| Net charge-offs to loans | 0.4045% | 1,666 |
| Credit loss provision to net charge-offs | 39.1645% | 4,064 |
| Earnings coverage of net charge-offs (x) | 4.4900% | 3,552 |
| Efficiency ratio | 73.8547% | 3,152 |
| Assets per employee ($millions) | 3.8368% | 4,187 |
| Cash dividends to net income (ytd only)* | 13.8090% | 3,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6802% | 249 |
| Loan loss allowance to noncurrent loans | 187.8313% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 1.3646% | 2,704 |
| Noncurrent loans to loans | 1.9593% | 2,032 |
| Net loans and leases to total assets | 52.0082% | 4,846 |
| Net loans and leases to deposits | 59.4115% | 4,988 |
| Net loans and leases to core deposits | 60.6955% | 5,162 |
| Total domestic deposits to total assets | 87.5390% | 2,454 |
| Equity capital to assets | 10.6447% | 2,982 |
| Core capital (leverage) ratio | 10.5675% | 2,828 |
| Tier 1 risk-based capital ratio | 17.2591% | 2,510 |
| Total risk-based capital ratio | 18.5332% | 2,470 |
| Memoranda: | ||
| Average total assets | $513,179,000 | 1,294 |
| Average earning assets | $483,124,400 | 1,262 |
| Average equity | $54,480,200 | 1,308 |
| Average total loans | $284,034,000 | 1,487 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9541% | 4,304 |
| Cost of funding earning assets | 0.4174% | 4,647 |
| Net interest margin | 3.5366% | 3,728 |
| Noninterest income to average assets | 0.3672% | 4,763 |
| Noninterest expense to average assets | 2.6865% | 4,072 |
| Loan and lease loss provision to assets | 0.1165% | 2,836 |
| Net operating income to assets | 0.6687% | 4,022 |
| Return on assets (ROA) | 0.7008% | 3,994 |
| Pretax return on assets | 0.9351% | 3,740 |
| Return on Equity (ROE) | 6.6051% | 3,872 |
| Retained earnings to average equity (ytd only) | 6.0193% | 2,391 |
| Net charge-offs to loans | 0.3200% | 1,939 |
| Credit loss provision to net charge-offs | 65.4070% | 3,171 |
| Earnings coverage of net charge-offs (x) | 5.6628% | 3,135 |
| Efficiency ratio | 72.6980% | 3,286 |
| Assets per employee ($millions) | 3.8487% | 4,134 |
| Cash dividends to net income (ytd only)* | 8.8691% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7904% | 270 |
| Loan loss allowance to noncurrent loans | 227.1256% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 1.2519% | 3,134 |
| Noncurrent loans to loans | 1.6688% | 2,684 |
| Net loans and leases to total assets | 52.5862% | 4,808 |
| Net loans and leases to deposits | 60.2801% | 4,939 |
| Net loans and leases to core deposits | 61.6815% | 5,149 |
| Total domestic deposits to total assets | 87.2364% | 2,545 |
| Equity capital to assets | 10.5311% | 3,240 |
| Core capital (leverage) ratio | 10.4943% | 3,007 |
| Tier 1 risk-based capital ratio | 16.7038% | 2,860 |
| Total risk-based capital ratio | 17.9789% | 2,790 |
| Memoranda: | ||
| Average total assets | $514,861,000 | 1,298 |
| Average earning assets | $484,520,000 | 1,276 |
| Average equity | $54,622,750 | 1,317 |
| Average total loans | $286,677,500 | 1,482 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9973% | 4,121 |
| Cost of funding earning assets | 0.4324% | 4,635 |
| Net interest margin | 3.5648% | 3,501 |
| Noninterest income to average assets | 0.4602% | 4,090 |
| Noninterest expense to average assets | 2.7238% | 3,951 |
| Loan and lease loss provision to assets | 0.1740% | 2,166 |
| Net operating income to assets | 0.6743% | 3,934 |
| Return on assets (ROA) | 0.7375% | 3,788 |
| Pretax return on assets | 0.9986% | 3,513 |
| Return on Equity (ROE) | 6.9350% | 3,635 |
| Retained earnings to average equity (ytd only) | 6.4986% | 2,145 |
| Net charge-offs to loans | 0.2361% | 2,305 |
| Credit loss provision to net charge-offs | 131.5789% | 1,727 |
| Earnings coverage of net charge-offs (x) | 8.2193% | 2,441 |
| Efficiency ratio | 71.4735% | 3,562 |
| Assets per employee ($millions) | 3.8378% | 4,137 |
| Cash dividends to net income (ytd only)* | 6.2926% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8505% | 288 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 1.0914% | 3,549 |
| Noncurrent loans to loans | 1.1002% | 3,730 |
| Net loans and leases to total assets | 53.1814% | 4,710 |
| Net loans and leases to deposits | 60.9058% | 4,875 |
| Net loans and leases to core deposits | 62.3390% | 5,065 |
| Total domestic deposits to total assets | 87.3176% | 2,647 |
| Equity capital to assets | 10.5627% | 3,221 |
| Core capital (leverage) ratio | 10.2581% | 3,158 |
| Tier 1 risk-based capital ratio | 16.1556% | 3,115 |
| Total risk-based capital ratio | 17.4312% | 3,050 |
| Memoranda: | ||
| Average total assets | $517,138,330 | 1,295 |
| Average earning assets | $486,080,000 | 1,266 |
| Average equity | $54,996,670 | 1,310 |
| Average total loans | $289,677,330 | 1,457 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9862% | 4,176 |
| Cost of funding earning assets | 0.4554% | 4,536 |
| Net interest margin | 3.5308% | 3,566 |
| Noninterest income to average assets | 0.5087% | 3,715 |
| Noninterest expense to average assets | 2.6168% | 4,350 |
| Loan and lease loss provision to assets | 0.3458% | 953 |
| Net operating income to assets | 0.6398% | 4,019 |
| Return on assets (ROA) | 0.7439% | 3,597 |
| Pretax return on assets | 1.0113% | 3,300 |
| Return on Equity (ROE) | 6.9719% | 3,504 |
| Retained earnings to average equity (ytd only) | 6.9719% | 2,163 |
| Net charge-offs to loans | 0.2741% | 1,859 |
| Credit loss provision to net charge-offs | 223.8806% | 1,004 |
| Earnings coverage of net charge-offs (x) | 7.8756% | 2,007 |
| Efficiency ratio | 68.2638% | 4,260 |
| Assets per employee ($millions) | 3.9252% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8462% | 322 |
| Loan loss allowance to noncurrent loans | 136.9141% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 2.1048% | 2,230 |
| Noncurrent loans to loans | 2.8092% | 1,802 |
| Net loans and leases to total assets | 52.7337% | 4,591 |
| Net loans and leases to deposits | 61.3524% | 4,637 |
| Net loans and leases to core deposits | 62.8560% | 4,863 |
| Total domestic deposits to total assets | 85.9521% | 3,549 |
| Equity capital to assets | 10.6914% | 3,331 |
| Core capital (leverage) ratio | 10.0738% | 3,301 |
| Tier 1 risk-based capital ratio | 15.9020% | 3,323 |
| Total risk-based capital ratio | 17.1783% | 3,275 |
| Memoranda: | ||
| Average total assets | $520,492,500 | 1,298 |
| Average earning assets | $490,093,500 | 1,265 |
| Average equity | $55,537,500 | 1,312 |
| Average total loans | $293,353,500 | 1,443 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 3,345 |
| Cost of funding earning assets | 0.5426% | 4,879 |
| Net interest margin | 3.9702% | 2,524 |
| Noninterest income to average assets | 0.3670% | 4,851 |
| Noninterest expense to average assets | 2.5864% | 4,785 |
| Loan and lease loss provision to assets | 0.5181% | 1,129 |
| Net operating income to assets | 0.7048% | 3,711 |
| Return on assets (ROA) | 0.7414% | 3,794 |
| Pretax return on assets | 1.0267% | 3,451 |
| Return on Equity (ROE) | 7.3148% | 3,454 |
| Retained earnings to average equity (ytd only) | 5.7246% | 2,237 |
| Net charge-offs to loans | 0.5611% | 2,058 |
| Credit loss provision to net charge-offs | 153.5836% | 1,760 |
| Earnings coverage of net charge-offs (x) | 4.4289% | 3,369 |
| Efficiency ratio | 63.3876% | 4,997 |
| Assets per employee ($millions) | 3.8157% | 4,332 |
| Cash dividends to net income (ytd only)* | 21.7391% | 3,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5829% | 399 |
| Loan loss allowance to noncurrent loans | 126.6086% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 2.2540% | 2,178 |
| Noncurrent loans to loans | 2.8299% | 1,863 |
| Net loans and leases to total assets | 55.8135% | 4,322 |
| Net loans and leases to deposits | 65.0447% | 4,417 |
| Net loans and leases to core deposits | 66.8830% | 4,648 |
| Total domestic deposits to total assets | 85.8079% | 3,451 |
| Equity capital to assets | 10.6489% | 3,337 |
| Core capital (leverage) ratio | 9.7471% | 3,734 |
| Tier 1 risk-based capital ratio | 14.9129% | 3,770 |
| Total risk-based capital ratio | 16.1864% | 3,707 |
| Memoranda: | ||
| Average total assets | $521,185,200 | 1,278 |
| Average earning assets | $487,460,800 | 1,250 |
| Average equity | $52,824,400 | 1,346 |
| Average total loans | $313,331,200 | 1,342 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5803% | 3,287 |
| Cost of funding earning assets | 0.5646% | 4,960 |
| Net interest margin | 4.0157% | 2,446 |
| Noninterest income to average assets | 0.4360% | 4,385 |
| Noninterest expense to average assets | 2.6278% | 4,649 |
| Loan and lease loss provision to assets | 0.6900% | 740 |
| Net operating income to assets | 0.6294% | 4,242 |
| Return on assets (ROA) | 0.6999% | 4,163 |
| Pretax return on assets | 0.9642% | 3,854 |
| Return on Equity (ROE) | 6.9940% | 3,820 |
| Retained earnings to average equity (ytd only) | 6.0747% | 2,653 |
| Net charge-offs to loans | 0.6545% | 1,670 |
| Credit loss provision to net charge-offs | 173.7452% | 1,605 |
| Earnings coverage of net charge-offs (x) | 3.9221% | 3,455 |
| Efficiency ratio | 62.7854% | 5,015 |
| Assets per employee ($millions) | 3.8667% | 4,159 |
| Cash dividends to net income (ytd only)* | 13.1435% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5489% | 445 |
| Loan loss allowance to noncurrent loans | 112.9105% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 2.7513% | 1,914 |
| Noncurrent loans to loans | 3.1431% | 1,763 |
| Net loans and leases to total assets | 56.6798% | 4,347 |
| Net loans and leases to deposits | 66.5492% | 4,397 |
| Net loans and leases to core deposits | 68.3545% | 4,692 |
| Total domestic deposits to total assets | 85.1698% | 3,677 |
| Equity capital to assets | 10.3486% | 4,021 |
| Core capital (leverage) ratio | 9.8048% | 3,811 |
| Tier 1 risk-based capital ratio | 14.4229% | 4,237 |
| Total risk-based capital ratio | 15.6962% | 4,192 |
| Memoranda: | ||
| Average total assets | $521,747,250 | 1,296 |
| Average earning assets | $487,146,000 | 1,265 |
| Average equity | $52,215,250 | 1,370 |
| Average total loans | $316,564,000 | 1,343 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6725% | 3,036 |
| Cost of funding earning assets | 0.5945% | 4,948 |
| Net interest margin | 4.0781% | 2,178 |
| Noninterest income to average assets | 0.5181% | 3,798 |
| Noninterest expense to average assets | 2.5904% | 4,806 |
| Loan and lease loss provision to assets | 0.6918% | 801 |
| Net operating income to assets | 0.7295% | 3,708 |
| Return on assets (ROA) | 0.8067% | 3,627 |
| Pretax return on assets | 1.1480% | 3,125 |
| Return on Equity (ROE) | 8.1546% | 3,187 |
| Retained earnings to average equity (ytd only) | 7.2222% | 1,992 |
| Net charge-offs to loans | 0.7522% | 1,466 |
| Credit loss provision to net charge-offs | 150.0000% | 1,841 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 3,282 |
| Efficiency ratio | 59.9644% | 5,581 |
| Assets per employee ($millions) | 3.8196% | 4,266 |
| Cash dividends to net income (ytd only)* | 11.4340% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3197% | 578 |
| Loan loss allowance to noncurrent loans | 97.7947% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 3.2465% | 1,674 |
| Noncurrent loans to loans | 3.3945% | 1,707 |
| Net loans and leases to total assets | 58.4250% | 4,099 |
| Net loans and leases to deposits | 67.6961% | 4,251 |
| Net loans and leases to core deposits | 69.5228% | 4,589 |
| Total domestic deposits to total assets | 86.3048% | 3,190 |
| Equity capital to assets | 10.2235% | 4,027 |
| Core capital (leverage) ratio | 9.6523% | 3,921 |
| Tier 1 risk-based capital ratio | 13.9683% | 4,468 |
| Total risk-based capital ratio | 15.2391% | 4,422 |
| Memoranda: | ||
| Average total assets | $520,374,330 | 1,303 |
| Average earning assets | $485,131,670 | 1,273 |
| Average equity | $51,480,330 | 1,382 |
| Average total loans | $319,076,330 | 1,330 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7145% | 3,001 |
| Cost of funding earning assets | 0.6313% | 4,881 |
| Net interest margin | 4.0832% | 2,162 |
| Noninterest income to average assets | 0.5222% | 3,766 |
| Noninterest expense to average assets | 2.5091% | 5,120 |
| Loan and lease loss provision to assets | 0.6912% | 764 |
| Net operating income to assets | 0.7569% | 3,587 |
| Return on assets (ROA) | 0.8771% | 3,252 |
| Pretax return on assets | 1.2987% | 2,543 |
| Return on Equity (ROE) | 9.0157% | 2,826 |
| Retained earnings to average equity (ytd only) | 8.0684% | 1,961 |
| Net charge-offs to loans | 1.2485% | 812 |
| Credit loss provision to net charge-offs | 89.6414% | 2,550 |
| Earnings coverage of net charge-offs (x) | 2.3516% | 3,232 |
| Efficiency ratio | 58.0490% | 5,910 |
| Assets per employee ($millions) | 3.8050% | 4,410 |
| Cash dividends to net income (ytd only)* | 10.5079% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0686% | 782 |
| Loan loss allowance to noncurrent loans | 87.6195% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 3.4926% | 1,648 |
| Noncurrent loans to loans | 3.5022% | 1,784 |
| Net loans and leases to total assets | 59.7539% | 3,723 |
| Net loans and leases to deposits | 68.7932% | 3,911 |
| Net loans and leases to core deposits | 70.7756% | 4,325 |
| Total domestic deposits to total assets | 86.8601% | 3,039 |
| Equity capital to assets | 10.0345% | 4,084 |
| Core capital (leverage) ratio | 9.4770% | 4,085 |
| Tier 1 risk-based capital ratio | 13.4244% | 4,883 |
| Total risk-based capital ratio | 14.6917% | 4,864 |
| Memoranda: | ||
| Average total assets | $520,832,000 | 1,305 |
| Average earning assets | $484,722,500 | 1,283 |
| Average equity | $50,667,000 | 1,397 |
| Average total loans | $321,657,000 | 1,317 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8903% | 3,403 |
| Cost of funding earning assets | 0.9109% | 4,045 |
| Net interest margin | 3.9794% | 2,988 |
| Noninterest income to average assets | 0.0409% | 6,870 |
| Noninterest expense to average assets | 2.5507% | 5,291 |
| Loan and lease loss provision to assets | 1.5798% | 449 |
| Net operating income to assets | -0.1710% | 6,227 |
| Return on assets (ROA) | -0.1462% | 6,276 |
| Pretax return on assets | -0.3306% | 6,373 |
| Return on Equity (ROE) | -1.5444% | 6,298 |
| Retained earnings to average equity (ytd only) | -1.7858% | 6,129 |
| Net charge-offs to loans | 2.1211% | 625 |
| Credit loss provision to net charge-offs | 115.0541% | 2,836 |
| Earnings coverage of net charge-offs (x) | 0.8815% | 5,143 |
| Efficiency ratio | 67.8188% | 4,396 |
| Assets per employee ($millions) | 3.9698% | 3,919 |
| Cash dividends to net income (ytd only)* | -15.6250% | 7,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0065% | 810 |
| Loan loss allowance to noncurrent loans | 69.5292% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 3.6340% | 1,616 |
| Noncurrent loans to loans | 4.3241% | 1,403 |
| Net loans and leases to total assets | 60.0080% | 3,992 |
| Net loans and leases to deposits | 69.2452% | 4,237 |
| Net loans and leases to core deposits | 72.0545% | 4,530 |
| Total domestic deposits to total assets | 86.6600% | 2,940 |
| Equity capital to assets | 9.4300% | 4,986 |
| Core capital (leverage) ratio | 8.9954% | 4,796 |
| Tier 1 risk-based capital ratio | 12.8512% | 5,195 |
| Total risk-based capital ratio | 14.1181% | 5,155 |
| Memoranda: | ||
| Average total assets | $525,389,600 | 1,276 |
| Average earning assets | $491,152,000 | 1,237 |
| Average equity | $49,727,000 | 1,372 |
| Average total loans | $340,112,200 | 1,246 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9541% | 3,310 |
| Cost of funding earning assets | 0.9492% | 4,056 |
| Net interest margin | 4.0049% | 2,898 |
| Noninterest income to average assets | 0.0130% | 7,070 |
| Noninterest expense to average assets | 2.5749% | 5,172 |
| Loan and lease loss provision to assets | 1.6516% | 390 |
| Net operating income to assets | -0.2349% | 6,425 |
| Return on assets (ROA) | -0.1781% | 6,442 |
| Pretax return on assets | -0.3781% | 6,549 |
| Return on Equity (ROE) | -1.8801% | 6,469 |
| Retained earnings to average equity (ytd only) | -2.2020% | 6,321 |
| Net charge-offs to loans | 2.5627% | 419 |
| Credit loss provision to net charge-offs | 98.4550% | 3,470 |
| Earnings coverage of net charge-offs (x) | 0.7063% | 5,097 |
| Efficiency ratio | 68.4869% | 4,218 |
| Assets per employee ($millions) | 3.9208% | 4,029 |
| Cash dividends to net income (ytd only)* | -17.1189% | 7,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6415% | 1,216 |
| Loan loss allowance to noncurrent loans | 57.1343% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 3.8959% | 1,583 |
| Noncurrent loans to loans | 4.6233% | 1,395 |
| Net loans and leases to total assets | 59.6735% | 4,196 |
| Net loans and leases to deposits | 69.2381% | 4,422 |
| Net loans and leases to core deposits | 72.0818% | 4,707 |
| Total domestic deposits to total assets | 86.1859% | 3,100 |
| Equity capital to assets | 9.3711% | 5,274 |
| Core capital (leverage) ratio | 8.9971% | 4,932 |
| Tier 1 risk-based capital ratio | 12.9216% | 5,157 |
| Total risk-based capital ratio | 14.1849% | 5,127 |
| Memoranda: | ||
| Average total assets | $524,740,750 | 1,278 |
| Average earning assets | $490,917,000 | 1,241 |
| Average equity | $49,711,500 | 1,375 |
| Average total loans | $343,476,750 | 1,248 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0357% | 2,991 |
| Cost of funding earning assets | 0.9725% | 4,150 |
| Net interest margin | 4.0632% | 2,556 |
| Noninterest income to average assets | -0.2391% | 7,355 |
| Noninterest expense to average assets | 2.6966% | 4,837 |
| Loan and lease loss provision to assets | 1.9160% | 338 |
| Net operating income to assets | -0.6009% | 6,758 |
| Return on assets (ROA) | -0.5806% | 6,763 |
| Pretax return on assets | -1.0174% | 6,899 |
| Return on Equity (ROE) | -6.1057% | 6,786 |
| Retained earnings to average equity (ytd only) | -6.5893% | 6,696 |
| Net charge-offs to loans | 1.1489% | 1,359 |
| Credit loss provision to net charge-offs | 249.3766% | 1,217 |
| Earnings coverage of net charge-offs (x) | 1.1282% | 4,429 |
| Efficiency ratio | 75.6748% | 3,076 |
| Assets per employee ($millions) | 3.7842% | 4,245 |
| Cash dividends to net income (ytd only)* | -7.9208% | 7,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4148% | 639 |
| Loan loss allowance to noncurrent loans | 53.7113% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 5.0107% | 1,220 |
| Noncurrent loans to loans | 6.3578% | 895 |
| Net loans and leases to total assets | 62.6234% | 3,760 |
| Net loans and leases to deposits | 72.4217% | 4,049 |
| Net loans and leases to core deposits | 75.4370% | 4,384 |
| Total domestic deposits to total assets | 86.4705% | 3,057 |
| Equity capital to assets | 9.2979% | 5,136 |
| Core capital (leverage) ratio | 8.9548% | 4,799 |
| Tier 1 risk-based capital ratio | 12.4362% | 5,409 |
| Total risk-based capital ratio | 13.7088% | 5,363 |
| Memoranda: | ||
| Average total assets | $521,913,670 | 1,289 |
| Average earning assets | $488,431,330 | 1,255 |
| Average equity | $49,625,670 | 1,361 |
| Average total loans | $349,027,330 | 1,243 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0431% | 2,893 |
| Cost of funding earning assets | 0.9969% | 4,223 |
| Net interest margin | 4.0462% | 2,485 |
| Noninterest income to average assets | 0.1668% | 6,535 |
| Noninterest expense to average assets | 2.7499% | 4,644 |
| Loan and lease loss provision to assets | 0.9267% | 853 |
| Net operating income to assets | 0.2222% | 5,712 |
| Return on assets (ROA) | 0.2649% | 5,624 |
| Pretax return on assets | 0.3336% | 5,550 |
| Return on Equity (ROE) | 2.7545% | 5,488 |
| Retained earnings to average equity (ytd only) | 1.7908% | 5,041 |
| Net charge-offs to loans | 1.2132% | 1,145 |
| Credit loss provision to net charge-offs | 112.4649% | 2,384 |
| Earnings coverage of net charge-offs (x) | 1.4639% | 3,610 |
| Efficiency ratio | 69.5101% | 4,374 |
| Assets per employee ($millions) | 3.8087% | 4,279 |
| Cash dividends to net income (ytd only)* | 34.9854% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5229% | 1,429 |
| Loan loss allowance to noncurrent loans | 48.5865% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 4.4715% | 1,453 |
| Noncurrent loans to loans | 5.1926% | 1,287 |
| Net loans and leases to total assets | 65.6635% | 3,100 |
| Net loans and leases to deposits | 76.0065% | 3,419 |
| Net loans and leases to core deposits | 78.8952% | 3,911 |
| Total domestic deposits to total assets | 86.3921% | 3,290 |
| Equity capital to assets | 9.5608% | 4,352 |
| Core capital (leverage) ratio | 9.4947% | 3,818 |
| Tier 1 risk-based capital ratio | 12.9023% | 4,896 |
| Total risk-based capital ratio | 14.1658% | 4,871 |
| Memoranda: | ||
| Average total assets | $517,976,000 | 1,305 |
| Average earning assets | $485,094,000 | 1,271 |
| Average equity | $49,809,000 | 1,338 |
| Average total loans | $351,790,000 | 1,244 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2688% | 3,279 |
| Cost of funding earning assets | 1.2235% | 4,398 |
| Net interest margin | 4.0453% | 2,821 |
| Noninterest income to average assets | 0.3215% | 5,483 |
| Noninterest expense to average assets | 2.7495% | 4,782 |
| Loan and lease loss provision to assets | 0.6859% | 2,396 |
| Net operating income to assets | 0.4631% | 4,261 |
| Return on assets (ROA) | 0.5280% | 4,128 |
| Pretax return on assets | 0.7543% | 3,783 |
| Return on Equity (ROE) | 5.6417% | 3,767 |
| Retained earnings to average equity (ytd only) | 4.4031% | 2,770 |
| Net charge-offs to loans | 0.6208% | 3,178 |
| Credit loss provision to net charge-offs | 164.8862% | 2,086 |
| Earnings coverage of net charge-offs (x) | 3.2392% | 3,458 |
| Efficiency ratio | 67.1115% | 4,744 |
| Assets per employee ($millions) | 3.7529% | 4,357 |
| Cash dividends to net income (ytd only)* | 21.9539% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4810% | 1,432 |
| Loan loss allowance to noncurrent loans | 64.9491% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 3.7489% | 1,832 |
| Noncurrent loans to loans | 3.8199% | 1,930 |
| Net loans and leases to total assets | 66.7788% | 3,283 |
| Net loans and leases to deposits | 76.8698% | 3,713 |
| Net loans and leases to core deposits | 79.1069% | 4,333 |
| Total domestic deposits to total assets | 86.8726% | 2,896 |
| Equity capital to assets | 9.6722% | 4,182 |
| Core capital (leverage) ratio | 9.3679% | 3,899 |
| Tier 1 risk-based capital ratio | 12.6770% | 4,877 |
| Total risk-based capital ratio | 13.9421% | 4,845 |
| Memoranda: | ||
| Average total assets | $517,590,400 | 1,289 |
| Average earning assets | $483,050,000 | 1,276 |
| Average equity | $48,443,200 | 1,380 |
| Average total loans | $346,783,200 | 1,294 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2615% | 3,527 |
| Cost of funding earning assets | 1.2583% | 4,505 |
| Net interest margin | 4.0032% | 3,095 |
| Noninterest income to average assets | 0.4225% | 4,778 |
| Noninterest expense to average assets | 2.8055% | 4,464 |
| Loan and lease loss provision to assets | 0.6815% | 2,237 |
| Net operating income to assets | 0.2891% | 5,208 |
| Return on assets (ROA) | 0.3734% | 5,051 |
| Pretax return on assets | 0.7998% | 3,903 |
| Return on Equity (ROE) | 4.0230% | 4,765 |
| Retained earnings to average equity (ytd only) | 3.0256% | 4,314 |
| Net charge-offs to loans | 0.3219% | 4,053 |
| Credit loss provision to net charge-offs | 317.7458% | 991 |
| Earnings coverage of net charge-offs (x) | 6.2926% | 2,551 |
| Efficiency ratio | 67.5187% | 4,559 |
| Assets per employee ($millions) | 3.6512% | 4,612 |
| Cash dividends to net income (ytd only)* | 24.7935% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6061% | 1,200 |
| Loan loss allowance to noncurrent loans | 57.0841% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 4.4459% | 1,524 |
| Noncurrent loans to loans | 4.5654% | 1,572 |
| Net loans and leases to total assets | 66.4512% | 3,582 |
| Net loans and leases to deposits | 76.9179% | 4,022 |
| Net loans and leases to core deposits | 79.2691% | 4,622 |
| Total domestic deposits to total assets | 86.3924% | 2,858 |
| Equity capital to assets | 9.7359% | 4,490 |
| Core capital (leverage) ratio | 9.2233% | 4,332 |
| Tier 1 risk-based capital ratio | 11.9349% | 5,525 |
| Total risk-based capital ratio | 13.1977% | 5,480 |
| Memoranda: | ||
| Average total assets | $518,449,500 | 1,299 |
| Average earning assets | $483,399,250 | 1,289 |
| Average equity | $48,121,500 | 1,402 |
| Average total loans | $345,458,750 | 1,311 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2867% | 3,530 |
| Cost of funding earning assets | 1.2898% | 4,598 |
| Net interest margin | 3.9970% | 3,028 |
| Noninterest income to average assets | 0.3876% | 5,012 |
| Noninterest expense to average assets | 2.7822% | 4,568 |
| Loan and lease loss provision to assets | 0.7890% | 1,823 |
| Net operating income to assets | 0.1998% | 5,561 |
| Return on assets (ROA) | 0.2648% | 5,464 |
| Pretax return on assets | 0.6404% | 4,431 |
| Return on Equity (ROE) | 2.8996% | 5,278 |
| Retained earnings to average equity (ytd only) | 1.8881% | 4,925 |
| Net charge-offs to loans | 0.4267% | 3,287 |
| Credit loss provision to net charge-offs | 279.6726% | 1,330 |
| Earnings coverage of net charge-offs (x) | 4.7067% | 2,873 |
| Efficiency ratio | 67.6936% | 4,631 |
| Assets per employee ($millions) | 3.6684% | 4,555 |
| Cash dividends to net income (ytd only)* | 34.8837% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4981% | 1,303 |
| Loan loss allowance to noncurrent loans | 97.5761% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 3.0347% | 2,345 |
| Noncurrent loans to loans | 2.5601% | 3,090 |
| Net loans and leases to total assets | 65.3090% | 3,984 |
| Net loans and leases to deposits | 76.7583% | 4,193 |
| Net loans and leases to core deposits | 78.5059% | 4,869 |
| Total domestic deposits to total assets | 85.0840% | 3,585 |
| Equity capital to assets | 9.3518% | 4,926 |
| Core capital (leverage) ratio | 9.1328% | 4,401 |
| Tier 1 risk-based capital ratio | 11.8638% | 5,429 |
| Total risk-based capital ratio | 13.1252% | 5,392 |
| Memoranda: | ||
| Average total assets | $519,661,330 | 1,302 |
| Average earning assets | $483,967,670 | 1,287 |
| Average equity | $47,454,670 | 1,415 |
| Average total loans | $343,527,000 | 1,335 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2967% | 3,568 |
| Cost of funding earning assets | 1.3470% | 4,520 |
| Net interest margin | 3.9496% | 3,101 |
| Noninterest income to average assets | 0.3894% | 5,005 |
| Noninterest expense to average assets | 2.8568% | 4,241 |
| Loan and lease loss provision to assets | 0.4608% | 2,663 |
| Net operating income to assets | 0.4606% | 4,570 |
| Return on assets (ROA) | 0.5068% | 4,502 |
| Pretax return on assets | 0.8232% | 3,778 |
| Return on Equity (ROE) | 5.6175% | 4,059 |
| Retained earnings to average equity (ytd only) | 4.5961% | 3,387 |
| Net charge-offs to loans | 0.3953% | 2,856 |
| Credit loss provision to net charge-offs | 177.5148% | 2,055 |
| Earnings coverage of net charge-offs (x) | 4.6686% | 2,578 |
| Efficiency ratio | 70.2152% | 4,262 |
| Assets per employee ($millions) | 3.6147% | 4,786 |
| Cash dividends to net income (ytd only)* | 18.1818% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1962% | 1,763 |
| Loan loss allowance to noncurrent loans | 72.0447% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 3.4080% | 2,077 |
| Noncurrent loans to loans | 3.0484% | 2,629 |
| Net loans and leases to total assets | 65.4773% | 3,993 |
| Net loans and leases to deposits | 76.1382% | 4,387 |
| Net loans and leases to core deposits | 77.8190% | 5,043 |
| Total domestic deposits to total assets | 85.9979% | 3,153 |
| Equity capital to assets | 9.2511% | 4,916 |
| Core capital (leverage) ratio | 9.1083% | 4,359 |
| Tier 1 risk-based capital ratio | 11.7243% | 5,471 |
| Total risk-based capital ratio | 12.9832% | 5,411 |
| Memoranda: | ||
| Average total assets | $520,867,500 | 1,340 |
| Average earning assets | $485,210,000 | 1,314 |
| Average equity | $46,996,000 | 1,430 |
| Average total loans | $342,058,000 | 1,377 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6897% | 3,153 |
| Cost of funding earning assets | 2.0149% | 2,893 |
| Net interest margin | 3.6748% | 4,243 |
| Noninterest income to average assets | 0.5190% | 4,270 |
| Noninterest expense to average assets | 2.7820% | 5,041 |
| Loan and lease loss provision to assets | 0.9018% | 2,495 |
| Net operating income to assets | 0.2048% | 4,889 |
| Return on assets (ROA) | 0.2858% | 4,675 |
| Pretax return on assets | 0.3537% | 4,630 |
| Return on Equity (ROE) | 3.3931% | 4,336 |
| Retained earnings to average equity (ytd only) | 2.0268% | 3,689 |
| Net charge-offs to loans | 0.5302% | 3,662 |
| Credit loss provision to net charge-offs | 263.4174% | 1,331 |
| Earnings coverage of net charge-offs (x) | 3.3754% | 3,371 |
| Efficiency ratio | 70.6527% | 4,498 |
| Assets per employee ($millions) | 3.5224% | 4,960 |
| Cash dividends to net income (ytd only)* | 40.2685% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1706% | 1,700 |
| Loan loss allowance to noncurrent loans | 65.3428% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 3.5543% | 1,882 |
| Noncurrent loans to loans | 3.3219% | 2,298 |
| Net loans and leases to total assets | 63.0152% | 4,805 |
| Net loans and leases to deposits | 72.2273% | 5,298 |
| Net loans and leases to core deposits | 83.6417% | 5,752 |
| Total domestic deposits to total assets | 87.2457% | 2,362 |
| Equity capital to assets | 8.7976% | 5,443 |
| Core capital (leverage) ratio | 8.8893% | 4,608 |
| Tier 1 risk-based capital ratio | 11.6607% | 5,240 |
| Total risk-based capital ratio | 12.9191% | 5,186 |
| Memoranda: | ||
| Average total assets | $521,396,600 | 1,319 |
| Average earning assets | $485,030,400 | 1,300 |
| Average equity | $43,912,000 | 1,524 |
| Average total loans | $336,673,800 | 1,432 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7292% | 3,194 |
| Cost of funding earning assets | 2.1493% | 2,650 |
| Net interest margin | 3.5798% | 4,556 |
| Noninterest income to average assets | 0.5087% | 4,414 |
| Noninterest expense to average assets | 2.7530% | 5,094 |
| Loan and lease loss provision to assets | 0.4616% | 3,604 |
| Net operating income to assets | 0.3406% | 4,637 |
| Return on assets (ROA) | 0.4347% | 4,360 |
| Pretax return on assets | 0.7717% | 3,620 |
| Return on Equity (ROE) | 5.2198% | 3,869 |
| Retained earnings to average equity (ytd only) | 4.1125% | 2,981 |
| Net charge-offs to loans | 0.1193% | 5,506 |
| Credit loss provision to net charge-offs | 598.6711% | 641 |
| Earnings coverage of net charge-offs (x) | 14.0898% | 1,628 |
| Efficiency ratio | 71.7059% | 4,296 |
| Assets per employee ($millions) | 3.5306% | 4,850 |
| Cash dividends to net income (ytd only)* | 21.2140% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7249% | 2,535 |
| Loan loss allowance to noncurrent loans | 35.0559% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 3.9954% | 1,604 |
| Noncurrent loans to loans | 4.9203% | 1,364 |
| Net loans and leases to total assets | 64.1392% | 4,837 |
| Net loans and leases to deposits | 74.5500% | 5,286 |
| Net loans and leases to core deposits | 87.1173% | 5,741 |
| Total domestic deposits to total assets | 86.0351% | 2,693 |
| Equity capital to assets | 8.9243% | 5,601 |
| Core capital (leverage) ratio | 8.9352% | 4,758 |
| Tier 1 risk-based capital ratio | 11.3418% | 5,599 |
| Total risk-based capital ratio | 12.5942% | 5,533 |
| Memoranda: | ||
| Average total assets | $520,537,000 | 1,338 |
| Average earning assets | $484,293,000 | 1,323 |
| Average equity | $43,346,750 | 1,565 |
| Average total loans | $336,326,250 | 1,453 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7546% | 3,274 |
| Cost of funding earning assets | 2.2729% | 2,479 |
| Net interest margin | 3.4817% | 4,885 |
| Noninterest income to average assets | 0.5001% | 4,442 |
| Noninterest expense to average assets | 2.7781% | 5,053 |
| Loan and lease loss provision to assets | 0.3864% | 3,600 |
| Net operating income to assets | 0.3852% | 4,567 |
| Return on assets (ROA) | 0.4272% | 4,503 |
| Pretax return on assets | 0.6216% | 4,265 |
| Return on Equity (ROE) | 5.2578% | 3,973 |
| Retained earnings to average equity (ytd only) | 4.1189% | 2,998 |
| Net charge-offs to loans | 0.1419% | 4,753 |
| Credit loss provision to net charge-offs | 422.7848% | 1,093 |
| Earnings coverage of net charge-offs (x) | 10.3629% | 2,002 |
| Efficiency ratio | 74.5782% | 3,944 |
| Assets per employee ($millions) | 3.4928% | 4,830 |
| Cash dividends to net income (ytd only)* | 21.6606% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 3,020 |
| Loan loss allowance to noncurrent loans | 44.0425% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 3.0583% | 2,068 |
| Noncurrent loans to loans | 3.4791% | 2,021 |
| Net loans and leases to total assets | 63.1881% | 5,146 |
| Net loans and leases to deposits | 71.6441% | 5,789 |
| Net loans and leases to core deposits | 83.8568% | 6,099 |
| Total domestic deposits to total assets | 88.1971% | 1,670 |
| Equity capital to assets | 8.3570% | 6,256 |
| Core capital (leverage) ratio | 8.8872% | 4,804 |
| Tier 1 risk-based capital ratio | 11.0209% | 5,852 |
| Total risk-based capital ratio | 12.2512% | 5,803 |
| Memoranda: | ||
| Average total assets | $518,697,330 | 1,369 |
| Average earning assets | $480,451,330 | 1,344 |
| Average equity | $42,146,670 | 1,613 |
| Average total loans | $333,991,670 | 1,493 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7147% | 3,721 |
| Cost of funding earning assets | 2.3757% | 2,391 |
| Net interest margin | 3.3390% | 5,370 |
| Noninterest income to average assets | 0.4876% | 4,432 |
| Noninterest expense to average assets | 2.7437% | 4,814 |
| Loan and lease loss provision to assets | 0.6105% | 2,062 |
| Net operating income to assets | -0.0436% | 6,324 |
| Return on assets (ROA) | -0.0560% | 6,465 |
| Pretax return on assets | 0.2139% | 5,903 |
| Return on Equity (ROE) | -0.6993% | 6,496 |
| Retained earnings to average equity (ytd only) | -1.8649% | 6,073 |
| Net charge-offs to loans | 0.1796% | 3,563 |
| Credit loss provision to net charge-offs | 526.8456% | 1,046 |
| Earnings coverage of net charge-offs (x) | 7.2819% | 2,367 |
| Efficiency ratio | 76.4795% | 3,405 |
| Assets per employee ($millions) | 3.4156% | 5,031 |
| Cash dividends to net income (ytd only)* | -166.6667% | 8,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5120% | 2,915 |
| Loan loss allowance to noncurrent loans | 183.2910% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 1.3684% | 3,920 |
| Noncurrent loans to loans | 0.8249% | 5,384 |
| Net loans and leases to total assets | 63.4485% | 5,084 |
| Net loans and leases to deposits | 70.6727% | 5,912 |
| Net loans and leases to core deposits | 82.7766% | 6,162 |
| Total domestic deposits to total assets | 89.7780% | 896 |
| Equity capital to assets | 7.6966% | 7,182 |
| Core capital (leverage) ratio | 8.7588% | 5,050 |
| Tier 1 risk-based capital ratio | 11.0315% | 5,886 |
| Total risk-based capital ratio | 12.2702% | 5,788 |
| Memoranda: | ||
| Average total assets | $514,339,500 | 1,380 |
| Average earning assets | $477,504,000 | 1,359 |
| Average equity | $41,182,000 | 1,650 |
| Average total loans | $331,763,500 | 1,515 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1523% | 4,765 |
| Cost of funding earning assets | 2.6809% | 3,254 |
| Net interest margin | 3.4714% | 5,396 |
| Noninterest income to average assets | 0.5188% | 4,479 |
| Noninterest expense to average assets | 2.7111% | 5,220 |
| Loan and lease loss provision to assets | 0.1739% | 5,164 |
| Net operating income to assets | 0.6527% | 4,093 |
| Return on assets (ROA) | -0.3820% | 6,683 |
| Pretax return on assets | -0.7537% | 6,851 |
| Return on Equity (ROE) | -4.2071% | 6,777 |
| Retained earnings to average equity (ytd only) | -5.5592% | 6,595 |
| Net charge-offs to loans | 0.1778% | 4,418 |
| Credit loss provision to net charge-offs | 156.5378% | 3,327 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 2,704 |
| Efficiency ratio | 72.3347% | 3,874 |
| Assets per employee ($millions) | 3.3743% | 5,021 |
| Cash dividends to net income (ytd only)* | -32.1371% | 8,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 3,515 |
| Loan loss allowance to noncurrent loans | 218.5368% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 1.2532% | 3,720 |
| Noncurrent loans to loans | 0.6148% | 5,527 |
| Net loans and leases to total assets | 63.7169% | 5,337 |
| Net loans and leases to deposits | 71.3971% | 6,125 |
| Net loans and leases to core deposits | 84.1610% | 6,278 |
| Total domestic deposits to total assets | 89.2429% | 945 |
| Equity capital to assets | 8.3228% | 6,386 |
| Core capital (leverage) ratio | 9.1378% | 4,543 |
| Tier 1 risk-based capital ratio | 11.5340% | 5,212 |
| Total risk-based capital ratio | 12.6611% | 5,227 |
| Memoranda: | ||
| Average total assets | $488,774,400 | 1,398 |
| Average earning assets | $454,657,600 | 1,371 |
| Average equity | $44,377,000 | 1,519 |
| Average total loans | $305,326,000 | 1,586 |