Home > Southern Community Bank and Trust > Performance and Condition Ratios
Southern Community Bank and Trust, Performance and Condition Ratios
| 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 | 4.5061% | 3,611 |
| Cost of funding earning assets | 1.1325% | 935 |
| Net interest margin | 3.3736% | 5,125 |
| Noninterest income to average assets | 0.5684% | 3,486 |
| Noninterest expense to average assets | 2.9089% | 3,558 |
| Loan and lease loss provision to assets | 0.6495% | 814 |
| Net operating income to assets | 0.0677% | 6,180 |
| Return on assets (ROA) | 1.2325% | 1,796 |
| Pretax return on assets | 1.2325% | 2,858 |
| Return on Equity (ROE) | 12.5515% | 1,449 |
| Retained earnings to average equity (ytd only) | 12.5515% | 435 |
| Net charge-offs to loans | 1.7694% | 452 |
| Credit loss provision to net charge-offs | 58.3738% | 4,195 |
| Earnings coverage of net charge-offs (x) | 0.6446% | 4,998 |
| Efficiency ratio | 79.8103% | 2,120 |
| Assets per employee ($millions) | 5.0076% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2254% | 1,660 |
| Loan loss allowance to noncurrent loans | 28.0378% | 6,211 |
| Noncurrent assets plus other real estate owned to assets | 6.3850% | 601 |
| Noncurrent loans to loans | 7.9371% | 401 |
| Net loans and leases to total assets | 60.5011% | 3,672 |
| Net loans and leases to deposits | 76.7569% | 2,861 |
| Net loans and leases to core deposits | 87.4738% | 2,283 |
| Total domestic deposits to total assets | 78.8216% | 5,915 |
| Equity capital to assets | 10.7906% | 3,514 |
| Core capital (leverage) ratio | 10.7821% | 2,629 |
| Tier 1 risk-based capital ratio | 15.5335% | 3,511 |
| Total risk-based capital ratio | 16.7923% | 3,472 |
| Memoranda: | ||
| Average total assets | $1,457,513,500 | 460 |
| Average earning assets | $1,321,062,500 | 458 |
| Average equity | $143,119,000 | 504 |
| Average total loans | $916,538,750 | 451 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6494% | 3,142 |
| Cost of funding earning assets | 1.1646% | 964 |
| Net interest margin | 3.4849% | 4,741 |
| Noninterest income to average assets | 0.6982% | 2,681 |
| Noninterest expense to average assets | 2.8009% | 4,018 |
| Loan and lease loss provision to assets | 0.7022% | 780 |
| Net operating income to assets | 0.3561% | 5,398 |
| Return on assets (ROA) | 0.5083% | 5,044 |
| Pretax return on assets | 0.5083% | 5,415 |
| Return on Equity (ROE) | 5.3416% | 4,650 |
| Retained earnings to average equity (ytd only) | 5.3416% | 3,071 |
| Net charge-offs to loans | 1.3700% | 752 |
| Credit loss provision to net charge-offs | 81.1106% | 3,288 |
| Earnings coverage of net charge-offs (x) | 1.2224% | 4,394 |
| Efficiency ratio | 72.1944% | 3,395 |
| Assets per employee ($millions) | 5.0505% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5015% | 1,278 |
| Loan loss allowance to noncurrent loans | 41.6497% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 5.1912% | 898 |
| Noncurrent loans to loans | 6.0060% | 730 |
| Net loans and leases to total assets | 61.9381% | 3,455 |
| Net loans and leases to deposits | 79.0219% | 2,522 |
| Net loans and leases to core deposits | 89.9070% | 1,997 |
| Total domestic deposits to total assets | 78.3809% | 6,084 |
| Equity capital to assets | 9.9174% | 4,458 |
| Core capital (leverage) ratio | 9.6577% | 3,911 |
| Tier 1 risk-based capital ratio | 13.3582% | 4,926 |
| Total risk-based capital ratio | 14.6195% | 4,880 |
| Memoranda: | ||
| Average total assets | $1,480,978,330 | 453 |
| Average earning assets | $1,343,351,330 | 452 |
| Average equity | $140,932,670 | 506 |
| Average total loans | $935,944,000 | 445 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6518% | 3,254 |
| Cost of funding earning assets | 1.1762% | 1,078 |
| Net interest margin | 3.4756% | 4,809 |
| Noninterest income to average assets | 0.7425% | 2,436 |
| Noninterest expense to average assets | 2.7294% | 4,319 |
| Loan and lease loss provision to assets | 0.7737% | 643 |
| Net operating income to assets | 0.3930% | 5,286 |
| Return on assets (ROA) | 0.4632% | 5,182 |
| Pretax return on assets | 0.4632% | 5,548 |
| Return on Equity (ROE) | 4.9681% | 4,799 |
| Retained earnings to average equity (ytd only) | 4.9681% | 3,573 |
| Net charge-offs to loans | 1.2206% | 838 |
| Credit loss provision to net charge-offs | 100.5548% | 2,282 |
| Earnings coverage of net charge-offs (x) | 1.5163% | 3,568 |
| Efficiency ratio | 69.6843% | 3,870 |
| Assets per employee ($millions) | 4.9958% | 2,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5842% | 1,243 |
| Loan loss allowance to noncurrent loans | 41.7612% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 5.4669% | 905 |
| Noncurrent loans to loans | 6.1880% | 803 |
| Net loans and leases to total assets | 60.8207% | 3,487 |
| Net loans and leases to deposits | 76.7794% | 2,697 |
| Net loans and leases to core deposits | 89.3013% | 1,920 |
| Total domestic deposits to total assets | 79.2149% | 6,032 |
| Equity capital to assets | 9.3982% | 4,961 |
| Core capital (leverage) ratio | 9.3647% | 4,254 |
| Tier 1 risk-based capital ratio | 12.9019% | 5,283 |
| Total risk-based capital ratio | 14.1648% | 5,246 |
| Memoranda: | ||
| Average total assets | $1,499,239,500 | 445 |
| Average earning assets | $1,360,324,500 | 446 |
| Average equity | $139,773,000 | 509 |
| Average total loans | $945,104,500 | 442 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9534% | 3,094 |
| Cost of funding earning assets | 1.2896% | 1,531 |
| Net interest margin | 3.6638% | 4,458 |
| Noninterest income to average assets | 0.5072% | 3,798 |
| Noninterest expense to average assets | 2.7059% | 4,719 |
| Loan and lease loss provision to assets | 0.9647% | 996 |
| Net operating income to assets | 0.1636% | 5,694 |
| Return on assets (ROA) | 0.3835% | 5,107 |
| Pretax return on assets | 0.3835% | 5,341 |
| Return on Equity (ROE) | 4.4831% | 4,633 |
| Retained earnings to average equity (ytd only) | 4.4831% | 2,979 |
| Net charge-offs to loans | 1.9748% | 703 |
| Credit loss provision to net charge-offs | 73.6689% | 4,711 |
| Earnings coverage of net charge-offs (x) | 0.8616% | 5,151 |
| Efficiency ratio | 70.2103% | 3,902 |
| Assets per employee ($millions) | 5.1715% | 1,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5317% | 1,275 |
| Loan loss allowance to noncurrent loans | 35.5117% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 5.8584% | 854 |
| Noncurrent loans to loans | 7.1293% | 615 |
| Net loans and leases to total assets | 62.0320% | 3,593 |
| Net loans and leases to deposits | 78.2584% | 2,792 |
| Net loans and leases to core deposits | 94.4043% | 1,649 |
| Total domestic deposits to total assets | 79.2657% | 5,927 |
| Equity capital to assets | 9.2477% | 5,216 |
| Core capital (leverage) ratio | 9.0673% | 4,668 |
| Tier 1 risk-based capital ratio | 12.5928% | 5,374 |
| Total risk-based capital ratio | 13.8547% | 5,359 |
| Memoranda: | ||
| Average total assets | $1,570,369,800 | 421 |
| Average earning assets | $1,426,026,800 | 416 |
| Average equity | $134,325,800 | 518 |
| Average total loans | $1,041,373,800 | 407 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9967% | 3,097 |
| Cost of funding earning assets | 1.3115% | 1,639 |
| Net interest margin | 3.6852% | 4,402 |
| Noninterest income to average assets | 0.5677% | 3,387 |
| Noninterest expense to average assets | 2.7231% | 4,641 |
| Loan and lease loss provision to assets | 0.9865% | 875 |
| Net operating income to assets | 0.2056% | 5,689 |
| Return on assets (ROA) | 0.3460% | 5,405 |
| Pretax return on assets | 0.3460% | 5,610 |
| Return on Equity (ROE) | 4.1240% | 4,942 |
| Retained earnings to average equity (ytd only) | 4.1240% | 3,795 |
| Net charge-offs to loans | 1.8713% | 701 |
| Credit loss provision to net charge-offs | 78.7481% | 4,183 |
| Earnings coverage of net charge-offs (x) | 0.9516% | 4,908 |
| Efficiency ratio | 69.2014% | 4,092 |
| Assets per employee ($millions) | 5.3407% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6614% | 1,177 |
| Loan loss allowance to noncurrent loans | 36.4478% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 5.9328% | 907 |
| Noncurrent loans to loans | 7.3020% | 662 |
| Net loans and leases to total assets | 62.5779% | 3,590 |
| Net loans and leases to deposits | 78.2176% | 2,939 |
| Net loans and leases to core deposits | 96.5209% | 1,554 |
| Total domestic deposits to total assets | 80.0049% | 5,733 |
| Equity capital to assets | 8.9693% | 5,791 |
| Core capital (leverage) ratio | 8.7584% | 5,324 |
| Tier 1 risk-based capital ratio | 12.0816% | 5,838 |
| Total risk-based capital ratio | 13.3453% | 5,816 |
| Memoranda: | ||
| Average total assets | $1,588,028,500 | 420 |
| Average earning assets | $1,442,479,750 | 411 |
| Average equity | $133,234,500 | 528 |
| Average total loans | $1,063,097,000 | 401 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0572% | 2,887 |
| Cost of funding earning assets | 1.3404% | 1,698 |
| Net interest margin | 3.7168% | 4,189 |
| Noninterest income to average assets | 0.5675% | 3,352 |
| Noninterest expense to average assets | 2.7789% | 4,510 |
| Loan and lease loss provision to assets | 0.9732% | 906 |
| Net operating income to assets | 0.1899% | 5,773 |
| Return on assets (ROA) | 0.3062% | 5,485 |
| Pretax return on assets | 0.3062% | 5,659 |
| Return on Equity (ROE) | 3.7323% | 5,049 |
| Retained earnings to average equity (ytd only) | 3.7323% | 3,839 |
| Net charge-offs to loans | 1.8163% | 765 |
| Credit loss provision to net charge-offs | 79.0354% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.9446% | 4,597 |
| Efficiency ratio | 70.1485% | 4,089 |
| Assets per employee ($millions) | 5.3955% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6454% | 1,248 |
| Loan loss allowance to noncurrent loans | 41.1823% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 5.7606% | 1,000 |
| Noncurrent loans to loans | 6.4235% | 877 |
| Net loans and leases to total assets | 64.9306% | 3,271 |
| Net loans and leases to deposits | 80.7624% | 2,653 |
| Net loans and leases to core deposits | 101.3309% | 1,223 |
| Total domestic deposits to total assets | 80.3971% | 5,714 |
| Equity capital to assets | 8.5938% | 6,068 |
| Core capital (leverage) ratio | 8.4756% | 5,591 |
| Tier 1 risk-based capital ratio | 11.6014% | 6,090 |
| Total risk-based capital ratio | 12.8654% | 6,079 |
| Memoranda: | ||
| Average total assets | $1,602,879,670 | 420 |
| Average earning assets | $1,455,281,330 | 415 |
| Average equity | $131,499,670 | 534 |
| Average total loans | $1,086,701,670 | 403 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0643% | 2,802 |
| Cost of funding earning assets | 1.3637% | 1,810 |
| Net interest margin | 3.7006% | 4,099 |
| Noninterest income to average assets | 0.4018% | 4,687 |
| Noninterest expense to average assets | 2.7405% | 4,671 |
| Loan and lease loss provision to assets | 1.0094% | 757 |
| Net operating income to assets | 0.0111% | 6,327 |
| Return on assets (ROA) | 0.1113% | 6,118 |
| Pretax return on assets | 0.1113% | 6,143 |
| Return on Equity (ROE) | 1.3881% | 6,026 |
| Retained earnings to average equity (ytd only) | 1.3881% | 5,272 |
| Net charge-offs to loans | 2.1678% | 572 |
| Credit loss provision to net charge-offs | 68.1516% | 3,381 |
| Earnings coverage of net charge-offs (x) | 0.6890% | 4,108 |
| Efficiency ratio | 72.5124% | 3,768 |
| Assets per employee ($millions) | 5.3862% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5519% | 1,385 |
| Loan loss allowance to noncurrent loans | 37.4673% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 6.0570% | 949 |
| Noncurrent loans to loans | 6.8109% | 835 |
| Net loans and leases to total assets | 66.0371% | 2,998 |
| Net loans and leases to deposits | 82.3012% | 2,308 |
| Net loans and leases to core deposits | 102.9456% | 1,134 |
| Total domestic deposits to total assets | 80.2383% | 5,880 |
| Equity capital to assets | 8.1429% | 6,351 |
| Core capital (leverage) ratio | 8.1000% | 6,130 |
| Tier 1 risk-based capital ratio | 10.7827% | 6,649 |
| Total risk-based capital ratio | 12.0453% | 6,621 |
| Memoranda: | ||
| Average total assets | $1,624,670,500 | 418 |
| Average earning assets | $1,474,787,000 | 413 |
| Average equity | $130,248,000 | 534 |
| Average total loans | $1,110,066,000 | 393 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3111% | 3,077 |
| Cost of funding earning assets | 1.6435% | 1,856 |
| Net interest margin | 3.6676% | 4,499 |
| Noninterest income to average assets | 0.5719% | 3,659 |
| Noninterest expense to average assets | 2.6619% | 5,167 |
| Loan and lease loss provision to assets | 2.3240% | 515 |
| Net operating income to assets | -1.4359% | 6,892 |
| Return on assets (ROA) | -1.2234% | 6,818 |
| Pretax return on assets | -0.8873% | 6,570 |
| Return on Equity (ROE) | -14.0715% | 6,884 |
| Retained earnings to average equity (ytd only) | -14.0715% | 6,844 |
| Net charge-offs to loans | 3.2674% | 475 |
| Credit loss provision to net charge-offs | 99.8515% | 4,634 |
| Earnings coverage of net charge-offs (x) | 0.5260% | 5,591 |
| Efficiency ratio | 68.1633% | 4,531 |
| Assets per employee ($millions) | 5.4805% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6037% | 1,289 |
| Loan loss allowance to noncurrent loans | 32.2303% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 6.6127% | 856 |
| Noncurrent loans to loans | 8.0785% | 640 |
| Net loans and leases to total assets | 67.0747% | 3,201 |
| Net loans and leases to deposits | 81.7841% | 2,854 |
| Net loans and leases to core deposits | 103.5144% | 1,346 |
| Total domestic deposits to total assets | 82.0144% | 5,185 |
| Equity capital to assets | 7.8947% | 6,588 |
| Core capital (leverage) ratio | 7.8291% | 6,405 |
| Tier 1 risk-based capital ratio | 9.8771% | 7,024 |
| Total risk-based capital ratio | 11.1391% | 7,019 |
| Memoranda: | ||
| Average total assets | $1,678,110,600 | 406 |
| Average earning assets | $1,516,429,400 | 407 |
| Average equity | $145,897,600 | 469 |
| Average total loans | $1,195,373,200 | 379 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3907% | 2,928 |
| Cost of funding earning assets | 1.6685% | 2,012 |
| Net interest margin | 3.7222% | 4,297 |
| Noninterest income to average assets | 0.6685% | 3,019 |
| Noninterest expense to average assets | 2.6911% | 4,913 |
| Loan and lease loss provision to assets | 2.5713% | 399 |
| Net operating income to assets | -0.9623% | 6,884 |
| Return on assets (ROA) | -0.8142% | 6,834 |
| Pretax return on assets | -1.0498% | 6,885 |
| Return on Equity (ROE) | -9.1587% | 6,888 |
| Retained earnings to average equity (ytd only) | -9.1587% | 6,830 |
| Net charge-offs to loans | 2.9788% | 522 |
| Credit loss provision to net charge-offs | 120.2012% | 3,432 |
| Earnings coverage of net charge-offs (x) | 0.6225% | 5,414 |
| Efficiency ratio | 66.5769% | 4,734 |
| Assets per employee ($millions) | 5.3829% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9473% | 860 |
| Loan loss allowance to noncurrent loans | 38.1116% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 6.7205% | 835 |
| Noncurrent loans to loans | 7.7334% | 690 |
| Net loans and leases to total assets | 69.7148% | 2,806 |
| Net loans and leases to deposits | 87.4223% | 2,096 |
| Net loans and leases to core deposits | 110.2600% | 1,022 |
| Total domestic deposits to total assets | 79.7449% | 5,792 |
| Equity capital to assets | 8.8004% | 5,858 |
| Core capital (leverage) ratio | 8.5886% | 5,365 |
| Tier 1 risk-based capital ratio | 10.2818% | 6,908 |
| Total risk-based capital ratio | 11.5479% | 6,885 |
| Memoranda: | ||
| Average total assets | $1,685,230,000 | 402 |
| Average earning assets | $1,518,638,000 | 402 |
| Average equity | $149,813,750 | 455 |
| Average total loans | $1,210,199,750 | 371 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4294% | 2,844 |
| Cost of funding earning assets | 1.7155% | 2,040 |
| Net interest margin | 3.7139% | 4,299 |
| Noninterest income to average assets | 0.6379% | 3,078 |
| Noninterest expense to average assets | 2.7279% | 4,799 |
| Loan and lease loss provision to assets | 1.8296% | 679 |
| Net operating income to assets | -0.6273% | 6,762 |
| Return on assets (ROA) | -0.3473% | 6,559 |
| Pretax return on assets | -0.2989% | 6,426 |
| Return on Equity (ROE) | -3.8937% | 6,611 |
| Retained earnings to average equity (ytd only) | -3.8937% | 6,426 |
| Net charge-offs to loans | 2.5528% | 664 |
| Credit loss provision to net charge-offs | 99.8133% | 4,121 |
| Earnings coverage of net charge-offs (x) | 0.6823% | 5,065 |
| Efficiency ratio | 68.2401% | 4,534 |
| Assets per employee ($millions) | 5.4633% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4569% | 1,353 |
| Loan loss allowance to noncurrent loans | 57.7477% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 4.2183% | 1,597 |
| Noncurrent loans to loans | 4.2545% | 1,751 |
| Net loans and leases to total assets | 71.0131% | 2,652 |
| Net loans and leases to deposits | 90.5148% | 1,768 |
| Net loans and leases to core deposits | 108.8361% | 1,241 |
| Total domestic deposits to total assets | 78.4546% | 6,159 |
| Equity capital to assets | 9.2153% | 5,120 |
| Core capital (leverage) ratio | 8.8365% | 4,851 |
| Tier 1 risk-based capital ratio | 10.8284% | 6,422 |
| Total risk-based capital ratio | 12.0896% | 6,404 |
| Memoranda: | ||
| Average total assets | $1,694,334,000 | 401 |
| Average earning assets | $1,524,097,330 | 407 |
| Average equity | $151,117,000 | 450 |
| Average total loans | $1,216,628,330 | 373 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4279% | 2,906 |
| Cost of funding earning assets | 1.7883% | 1,926 |
| Net interest margin | 3.6396% | 4,542 |
| Noninterest income to average assets | 0.6731% | 2,786 |
| Noninterest expense to average assets | 2.7513% | 4,685 |
| Loan and lease loss provision to assets | 2.3340% | 458 |
| Net operating income to assets | -1.2134% | 7,221 |
| Return on assets (ROA) | -0.8974% | 7,084 |
| Pretax return on assets | -0.8157% | 6,957 |
| Return on Equity (ROE) | -10.2260% | 7,149 |
| Retained earnings to average equity (ytd only) | -10.2260% | 6,981 |
| Net charge-offs to loans | 1.1882% | 1,433 |
| Credit loss provision to net charge-offs | 275.4062% | 1,438 |
| Earnings coverage of net charge-offs (x) | 1.4186% | 3,894 |
| Efficiency ratio | 69.2721% | 4,456 |
| Assets per employee ($millions) | 5.3048% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9723% | 844 |
| Loan loss allowance to noncurrent loans | 72.6094% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 4.0902% | 1,674 |
| Noncurrent loans to loans | 4.0935% | 1,894 |
| Net loans and leases to total assets | 69.0272% | 3,149 |
| Net loans and leases to deposits | 89.4294% | 1,997 |
| Net loans and leases to core deposits | 108.7787% | 1,367 |
| Total domestic deposits to total assets | 77.1862% | 6,519 |
| Equity capital to assets | 8.8904% | 5,419 |
| Core capital (leverage) ratio | 8.6884% | 5,041 |
| Tier 1 risk-based capital ratio | 10.7132% | 6,426 |
| Total risk-based capital ratio | 11.9800% | 6,396 |
| Memoranda: | ||
| Average total assets | $1,713,809,500 | 411 |
| Average earning assets | $1,544,678,500 | 413 |
| Average equity | $150,401,000 | 456 |
| Average total loans | $1,222,369,000 | 388 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6101% | 3,552 |
| Cost of funding earning assets | 2.1590% | 2,194 |
| Net interest margin | 3.4510% | 5,164 |
| Noninterest income to average assets | 0.6716% | 3,146 |
| Noninterest expense to average assets | 5.7232% | 354 |
| Loan and lease loss provision to assets | 1.9418% | 1,136 |
| Net operating income to assets | -3.5333% | 7,515 |
| Return on assets (ROA) | -3.4684% | 7,508 |
| Pretax return on assets | -3.7793% | 7,481 |
| Return on Equity (ROE) | -37.7117% | 7,533 |
| Retained earnings to average equity (ytd only) | -37.7117% | 7,522 |
| Net charge-offs to loans | 1.8243% | 1,366 |
| Credit loss provision to net charge-offs | 146.4697% | 3,233 |
| Earnings coverage of net charge-offs (x) | -1.4393% | 6,951 |
| Efficiency ratio | 75.5850% | 3,598 |
| Assets per employee ($millions) | 5.2108% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4031% | 1,344 |
| Loan loss allowance to noncurrent loans | 78.5487% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 3.3129% | 2,068 |
| Noncurrent loans to loans | 3.0594% | 2,510 |
| Net loans and leases to total assets | 69.7869% | 3,310 |
| Net loans and leases to deposits | 90.5697% | 2,130 |
| Net loans and leases to core deposits | 104.5876% | 3,509 |
| Total domestic deposits to total assets | 77.0533% | 6,466 |
| Equity capital to assets | 8.6627% | 5,638 |
| Core capital (leverage) ratio | 8.3589% | 5,521 |
| Tier 1 risk-based capital ratio | 10.3725% | 6,520 |
| Total risk-based capital ratio | 11.6262% | 6,486 |
| Memoranda: | ||
| Average total assets | $1,750,936,200 | 403 |
| Average earning assets | $1,594,869,600 | 398 |
| Average equity | $161,035,000 | 431 |
| Average total loans | $1,272,407,200 | 387 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6001% | 3,861 |
| Cost of funding earning assets | 2.2074% | 2,378 |
| Net interest margin | 3.3927% | 5,299 |
| Noninterest income to average assets | 0.6165% | 3,575 |
| Noninterest expense to average assets | 6.5708% | 237 |
| Loan and lease loss provision to assets | 1.2138% | 1,600 |
| Net operating income to assets | -3.9309% | 7,740 |
| Return on assets (ROA) | -3.8400% | 7,730 |
| Pretax return on assets | -3.9774% | 7,685 |
| Return on Equity (ROE) | -41.1651% | 7,760 |
| Retained earnings to average equity (ytd only) | -41.1651% | 7,757 |
| Net charge-offs to loans | 1.4604% | 1,409 |
| Credit loss provision to net charge-offs | 113.9277% | 4,460 |
| Earnings coverage of net charge-offs (x) | -2.6819% | 6,786 |
| Efficiency ratio | 75.4821% | 3,591 |
| Assets per employee ($millions) | 5.1358% | 1,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6635% | 2,754 |
| Loan loss allowance to noncurrent loans | 90.9437% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 2.3800% | 2,895 |
| Noncurrent loans to loans | 1.8291% | 3,874 |
| Net loans and leases to total assets | 71.4910% | 3,157 |
| Net loans and leases to deposits | 94.3862% | 1,807 |
| Net loans and leases to core deposits | 111.0690% | 3,120 |
| Total domestic deposits to total assets | 75.7431% | 6,631 |
| Equity capital to assets | 8.7947% | 5,804 |
| Core capital (leverage) ratio | 8.5243% | 5,446 |
| Tier 1 risk-based capital ratio | 10.4051% | 6,565 |
| Total risk-based capital ratio | 11.6580% | 6,507 |
| Memoranda: | ||
| Average total assets | $1,757,478,500 | 416 |
| Average earning assets | $1,604,232,250 | 411 |
| Average equity | $163,940,750 | 431 |
| Average total loans | $1,282,184,000 | 397 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5997% | 4,078 |
| Cost of funding earning assets | 2.2943% | 2,379 |
| Net interest margin | 3.3054% | 5,534 |
| Noninterest income to average assets | 0.5317% | 4,168 |
| Noninterest expense to average assets | 8.3713% | 152 |
| Loan and lease loss provision to assets | 1.1301% | 1,520 |
| Net operating income to assets | -5.7918% | 7,990 |
| Return on assets (ROA) | -5.7369% | 7,979 |
| Pretax return on assets | -5.8983% | 7,941 |
| Return on Equity (ROE) | -60.3817% | 7,974 |
| Retained earnings to average equity (ytd only) | -60.3817% | 7,967 |
| Net charge-offs to loans | 1.4638% | 1,294 |
| Credit loss provision to net charge-offs | 105.6971% | 4,351 |
| Earnings coverage of net charge-offs (x) | -4.5127% | 6,448 |
| Efficiency ratio | 77.9658% | 3,351 |
| Assets per employee ($millions) | 5.0845% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5398% | 2,984 |
| Loan loss allowance to noncurrent loans | 108.6214% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 2.0730% | 3,097 |
| Noncurrent loans to loans | 1.4176% | 4,375 |
| Net loans and leases to total assets | 71.9339% | 3,243 |
| Net loans and leases to deposits | 97.6869% | 1,569 |
| Net loans and leases to core deposits | 116.4464% | 2,677 |
| Total domestic deposits to total assets | 73.6373% | 7,010 |
| Equity capital to assets | 8.6978% | 5,753 |
| Core capital (leverage) ratio | 8.2954% | 5,808 |
| Tier 1 risk-based capital ratio | 10.3882% | 6,492 |
| Total risk-based capital ratio | 11.6123% | 6,456 |
| Memoranda: | ||
| Average total assets | $1,769,805,670 | 421 |
| Average earning assets | $1,614,201,000 | 416 |
| Average equity | $168,150,330 | 424 |
| Average total loans | $1,292,642,670 | 407 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5666% | 4,538 |
| Cost of funding earning assets | 2.3168% | 2,628 |
| Net interest margin | 3.2498% | 5,691 |
| Noninterest income to average assets | 0.5707% | 3,756 |
| Noninterest expense to average assets | 13.4884% | 76 |
| Loan and lease loss provision to assets | 0.8924% | 1,467 |
| Net operating income to assets | -10.8709% | 8,179 |
| Return on assets (ROA) | -10.8707% | 8,172 |
| Pretax return on assets | -10.8475% | 8,164 |
| Return on Equity (ROE) | -109.9475% | 8,158 |
| Retained earnings to average equity (ytd only) | -109.9475% | 8,154 |
| Net charge-offs to loans | 1.0806% | 1,260 |
| Credit loss provision to net charge-offs | 113.0902% | 3,432 |
| Earnings coverage of net charge-offs (x) | -12.6158% | 5,633 |
| Efficiency ratio | 68.8495% | 4,807 |
| Assets per employee ($millions) | 5.2365% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 3,077 |
| Loan loss allowance to noncurrent loans | 95.2837% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 1.7399% | 3,307 |
| Noncurrent loans to loans | 1.5550% | 3,950 |
| Net loans and leases to total assets | 71.9186% | 3,252 |
| Net loans and leases to deposits | 96.9654% | 1,806 |
| Net loans and leases to core deposits | 114.2410% | 2,989 |
| Total domestic deposits to total assets | 74.1694% | 6,856 |
| Equity capital to assets | 8.5907% | 5,929 |
| Core capital (leverage) ratio | 8.0951% | 6,300 |
| Tier 1 risk-based capital ratio | 10.3228% | 6,575 |
| Total risk-based capital ratio | 11.5743% | 6,491 |
| Memoranda: | ||
| Average total assets | $1,792,891,500 | 412 |
| Average earning assets | $1,634,315,500 | 412 |
| Average equity | $177,266,500 | 403 |
| Average total loans | $1,309,330,000 | 407 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2660% | 4,152 |
| Cost of funding earning assets | 2.9880% | 1,907 |
| Net interest margin | 3.2779% | 6,111 |
| Noninterest income to average assets | 0.6416% | 3,537 |
| Noninterest expense to average assets | 2.4082% | 6,363 |
| Loan and lease loss provision to assets | 0.4739% | 2,929 |
| Net operating income to assets | 0.4745% | 4,851 |
| Return on assets (ROA) | 0.4783% | 4,653 |
| Pretax return on assets | 0.7021% | 4,393 |
| Return on Equity (ROE) | 4.4732% | 4,611 |
| Retained earnings to average equity (ytd only) | 3.6591% | 2,877 |
| Net charge-offs to loans | 0.2810% | 3,524 |
| Credit loss provision to net charge-offs | 228.5834% | 2,078 |
| Earnings coverage of net charge-offs (x) | 5.6453% | 3,573 |
| Efficiency ratio | 66.8240% | 4,936 |
| Assets per employee ($millions) | 5.3416% | 1,592 |
| Cash dividends to net income (ytd only)* | 18.1995% | 4,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 3,014 |
| Loan loss allowance to noncurrent loans | 130.6104% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 1.1209% | 4,033 |
| Noncurrent loans to loans | 1.0975% | 4,367 |
| Net loans and leases to total assets | 72.0103% | 3,578 |
| Net loans and leases to deposits | 102.8952% | 1,486 |
| Net loans and leases to core deposits | 118.2517% | 2,857 |
| Total domestic deposits to total assets | 69.9841% | 7,276 |
| Equity capital to assets | 11.1732% | 2,897 |
| Core capital (leverage) ratio | 8.4193% | 5,714 |
| Tier 1 risk-based capital ratio | 10.2962% | 6,426 |
| Total risk-based capital ratio | 11.5471% | 6,298 |
| Memoranda: | ||
| Average total assets | $1,723,019,200 | 412 |
| Average earning assets | $1,543,788,200 | 416 |
| Average equity | $184,252,600 | 398 |
| Average total loans | $1,271,391,000 | 407 |