Home > Southern Heritage Bank > Performance and Condition Ratios
Southern Heritage Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9472% | 3,436 |
| Cost of funding earning assets | 0.3731% | 3,325 |
| Net interest margin | 3.5741% | 3,194 |
| Noninterest income to average assets | 1.1217% | 891 |
| Noninterest expense to average assets | 3.1629% | 1,902 |
| Loan and lease loss provision to assets | 0.0940% | 2,274 |
| Net operating income to assets | 0.8105% | 3,263 |
| Return on assets (ROA) | 0.8306% | 3,305 |
| Pretax return on assets | 1.1016% | 3,191 |
| Return on Equity (ROE) | 5.6044% | 4,247 |
| Retained earnings to average equity (ytd only) | 3.0867% | 3,939 |
| Net charge-offs to loans | 0.0146% | 3,244 |
| Credit loss provision to net charge-offs | 1,260.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 156.6000% | 397 |
| Efficiency ratio | 71.7264% | 2,710 |
| Assets per employee ($millions) | 4.9092% | 2,400 |
| Cash dividends to net income (ytd only)* | 44.9236% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3999% | 5,882 |
| Loan loss allowance to noncurrent loans | 319.2982% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 5,307 |
| Noncurrent loans to loans | 0.1252% | 4,937 |
| Net loans and leases to total assets | 49.4693% | 4,877 |
| Net loans and leases to deposits | 58.2003% | 4,888 |
| Net loans and leases to core deposits | 62.9587% | 4,814 |
| Total domestic deposits to total assets | 84.9983% | 2,882 |
| Equity capital to assets | 14.7132% | 810 |
| Core capital (leverage) ratio | 11.4922% | 2,000 |
| Tier 1 risk-based capital ratio | 18.5711% | 1,782 |
| Total risk-based capital ratio | 18.9115% | 1,986 |
| Memoranda: | ||
| Average total assets | $267,985,330 | 2,405 |
| Average earning assets | $240,677,000 | 2,446 |
| Average equity | $39,718,670 | 1,868 |
| Average total loans | $137,093,000 | 2,833 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1536% | 2,636 |
| Cost of funding earning assets | 0.3627% | 3,474 |
| Net interest margin | 3.7909% | 2,319 |
| Noninterest income to average assets | 1.0041% | 1,068 |
| Noninterest expense to average assets | 2.9729% | 2,470 |
| Loan and lease loss provision to assets | 0.0771% | 2,418 |
| Net operating income to assets | 0.9859% | 2,344 |
| Return on assets (ROA) | 0.9859% | 2,458 |
| Pretax return on assets | 1.3519% | 2,085 |
| Return on Equity (ROE) | 6.6271% | 3,658 |
| Retained earnings to average equity (ytd only) | 4.0860% | 3,448 |
| Net charge-offs to loans | -0.1107% | 5,678 |
| Credit loss provision to net charge-offs | -134.2105% | 4,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2659% | 3,754 |
| Assets per employee ($millions) | 4.6895% | 2,758 |
| Cash dividends to net income (ytd only)* | 38.3436% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3804% | 5,962 |
| Loan loss allowance to noncurrent loans | 174.1611% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 5,129 |
| Noncurrent loans to loans | 0.2184% | 4,647 |
| Net loans and leases to total assets | 50.8530% | 4,736 |
| Net loans and leases to deposits | 59.9748% | 4,720 |
| Net loans and leases to core deposits | 63.7294% | 4,709 |
| Total domestic deposits to total assets | 84.7906% | 3,209 |
| Equity capital to assets | 14.8850% | 717 |
| Core capital (leverage) ratio | 11.5870% | 1,913 |
| Tier 1 risk-based capital ratio | 18.4200% | 1,880 |
| Total risk-based capital ratio | 18.7435% | 2,094 |
| Memoranda: | ||
| Average total assets | $264,520,000 | 2,431 |
| Average earning assets | $237,095,500 | 2,489 |
| Average equity | $39,353,500 | 1,877 |
| Average total loans | $137,367,000 | 2,835 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0344% | 3,172 |
| Cost of funding earning assets | 0.3298% | 3,911 |
| Net interest margin | 3.7046% | 2,734 |
| Noninterest income to average assets | 1.1556% | 886 |
| Noninterest expense to average assets | 3.1061% | 2,219 |
| Loan and lease loss provision to assets | 0.2602% | 722 |
| Net operating income to assets | 0.8562% | 3,082 |
| Return on assets (ROA) | 0.9273% | 2,808 |
| Pretax return on assets | 1.1837% | 2,717 |
| Return on Equity (ROE) | 6.3434% | 3,875 |
| Retained earnings to average equity (ytd only) | 3.5785% | 3,513 |
| Net charge-offs to loans | 0.2302% | 1,292 |
| Credit loss provision to net charge-offs | 222.3684% | 1,274 |
| Earnings coverage of net charge-offs (x) | 11.5592% | 2,557 |
| Efficiency ratio | 68.3674% | 3,495 |
| Assets per employee ($millions) | 4.5127% | 3,027 |
| Cash dividends to net income (ytd only)* | 43.5866% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3110% | 6,051 |
| Loan loss allowance to noncurrent loans | 22.3609% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 0.8065% | 2,656 |
| Noncurrent loans to loans | 1.3906% | 1,684 |
| Net loans and leases to total assets | 52.6687% | 4,641 |
| Net loans and leases to deposits | 62.0928% | 4,628 |
| Net loans and leases to core deposits | 64.5571% | 4,702 |
| Total domestic deposits to total assets | 84.8226% | 3,161 |
| Equity capital to assets | 14.8694% | 687 |
| Core capital (leverage) ratio | 11.4004% | 2,044 |
| Tier 1 risk-based capital ratio | 17.6740% | 2,064 |
| Total risk-based capital ratio | 17.9348% | 2,351 |
| Memoranda: | ||
| Average total assets | $259,781,800 | 2,424 |
| Average earning assets | $231,634,000 | 2,501 |
| Average equity | $37,976,400 | 1,887 |
| Average total loans | $132,051,400 | 2,856 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9786% | 3,419 |
| Cost of funding earning assets | 0.3208% | 4,094 |
| Net interest margin | 3.6578% | 2,929 |
| Noninterest income to average assets | 1.2074% | 826 |
| Noninterest expense to average assets | 3.0868% | 2,257 |
| Loan and lease loss provision to assets | 0.1553% | 1,395 |
| Net operating income to assets | 0.9240% | 2,836 |
| Return on assets (ROA) | 0.9240% | 2,925 |
| Pretax return on assets | 1.2248% | 2,711 |
| Return on Equity (ROE) | 6.3484% | 3,983 |
| Retained earnings to average equity (ytd only) | 3.5222% | 3,960 |
| Net charge-offs to loans | -0.0674% | 5,649 |
| Credit loss provision to net charge-offs | -457.5758% | 5,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8140% | 3,585 |
| Assets per employee ($millions) | 4.6993% | 2,710 |
| Cash dividends to net income (ytd only)* | 44.5186% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3081% | 6,143 |
| Loan loss allowance to noncurrent loans | 21.5260% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 0.7388% | 3,060 |
| Noncurrent loans to loans | 1.4314% | 1,763 |
| Net loans and leases to total assets | 51.4552% | 4,803 |
| Net loans and leases to deposits | 60.3361% | 4,831 |
| Net loans and leases to core deposits | 63.6950% | 4,834 |
| Total domestic deposits to total assets | 85.2810% | 2,893 |
| Equity capital to assets | 14.3180% | 909 |
| Core capital (leverage) ratio | 11.2065% | 2,291 |
| Tier 1 risk-based capital ratio | 17.4697% | 2,198 |
| Total risk-based capital ratio | 17.7269% | 2,546 |
| Memoranda: | ||
| Average total assets | $259,292,750 | 2,447 |
| Average earning assets | $231,064,500 | 2,520 |
| Average equity | $37,740,750 | 1,910 |
| Average total loans | $130,493,250 | 2,899 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9624% | 3,436 |
| Cost of funding earning assets | 0.3090% | 4,294 |
| Net interest margin | 3.6534% | 2,897 |
| Noninterest income to average assets | 1.1902% | 856 |
| Noninterest expense to average assets | 3.1064% | 2,230 |
| Loan and lease loss provision to assets | 0.0983% | 2,181 |
| Net operating income to assets | 0.9265% | 2,751 |
| Return on assets (ROA) | 0.9265% | 2,872 |
| Pretax return on assets | 1.2408% | 2,596 |
| Return on Equity (ROE) | 6.3298% | 3,971 |
| Retained earnings to average equity (ytd only) | 3.1329% | 4,058 |
| Net charge-offs to loans | -0.0500% | 5,546 |
| Credit loss provision to net charge-offs | -393.7500% | 5,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5614% | 3,582 |
| Assets per employee ($millions) | 4.4181% | 3,113 |
| Cash dividends to net income (ytd only)* | 50.5051% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1677% | 6,253 |
| Loan loss allowance to noncurrent loans | 11.8486% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 0.7384% | 3,171 |
| Noncurrent loans to loans | 1.4154% | 1,897 |
| Net loans and leases to total assets | 47.7088% | 5,132 |
| Net loans and leases to deposits | 55.5509% | 5,151 |
| Net loans and leases to core deposits | 62.1196% | 4,940 |
| Total domestic deposits to total assets | 85.8830% | 2,754 |
| Equity capital to assets | 13.8191% | 1,045 |
| Core capital (leverage) ratio | 11.4321% | 2,047 |
| Tier 1 risk-based capital ratio | 18.8421% | 1,826 |
| Total risk-based capital ratio | 18.9848% | 2,094 |
| Memoranda: | ||
| Average total assets | $256,437,670 | 2,487 |
| Average earning assets | $228,499,670 | 2,553 |
| Average equity | $37,537,000 | 1,928 |
| Average total loans | $127,906,670 | 2,952 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0199% | 3,159 |
| Cost of funding earning assets | 0.2940% | 4,510 |
| Net interest margin | 3.7259% | 2,528 |
| Noninterest income to average assets | 1.2421% | 741 |
| Noninterest expense to average assets | 3.1356% | 2,172 |
| Loan and lease loss provision to assets | 0.1200% | 1,726 |
| Net operating income to assets | 0.9508% | 2,503 |
| Return on assets (ROA) | 0.9508% | 2,637 |
| Pretax return on assets | 1.2933% | 2,312 |
| Return on Equity (ROE) | 6.3051% | 3,874 |
| Retained earnings to average equity (ytd only) | 3.1207% | 4,112 |
| Net charge-offs to loans | -0.1632% | 5,999 |
| Credit loss provision to net charge-offs | -144.2308% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6284% | 3,885 |
| Assets per employee ($millions) | 4.0349% | 3,891 |
| Cash dividends to net income (ytd only)* | 50.5051% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1405% | 6,338 |
| Loan loss allowance to noncurrent loans | 9.9838% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 0.8914% | 2,854 |
| Noncurrent loans to loans | 1.4074% | 2,041 |
| Net loans and leases to total assets | 52.5566% | 4,606 |
| Net loans and leases to deposits | 62.3133% | 4,547 |
| Net loans and leases to core deposits | 65.8813% | 4,528 |
| Total domestic deposits to total assets | 84.3425% | 3,680 |
| Equity capital to assets | 15.2110% | 678 |
| Core capital (leverage) ratio | 11.8635% | 1,727 |
| Tier 1 risk-based capital ratio | 18.6119% | 1,970 |
| Total risk-based capital ratio | 18.7339% | 2,265 |
| Memoranda: | ||
| Average total assets | $249,904,500 | 2,559 |
| Average earning assets | $221,796,000 | 2,626 |
| Average equity | $37,684,000 | 1,934 |
| Average total loans | $127,463,500 | 2,957 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0155% | 6,471 |
| Cost of funding earning assets | 0.0715% | 6,394 |
| Net interest margin | 0.9439% | 6,470 |
| Noninterest income to average assets | 0.2628% | 5,252 |
| Noninterest expense to average assets | 0.8101% | 6,468 |
| Loan and lease loss provision to assets | 0.0313% | 3,976 |
| Net operating income to assets | 0.2286% | 5,707 |
| Return on assets (ROA) | 0.2286% | 5,770 |
| Pretax return on assets | 0.2949% | 5,712 |
| Return on Equity (ROE) | 1.7475% | 5,837 |
| Retained earnings to average equity (ytd only) | 0.9617% | 5,345 |
| Net charge-offs to loans | 0.0135% | 4,616 |
| Credit loss provision to net charge-offs | 422.2222% | 615 |
| Earnings coverage of net charge-offs (x) | 44.0556% | 1,014 |
| Efficiency ratio | 69.9602% | 3,533 |
| Assets per employee ($millions) | 3.9119% | 4,136 |
| Cash dividends to net income (ytd only)* | 44.9640% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0471% | 6,443 |
| Loan loss allowance to noncurrent loans | 3.0177% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 0.9814% | 2,792 |
| Noncurrent loans to loans | 1.5592% | 1,877 |
| Net loans and leases to total assets | 49.2119% | 5,044 |
| Net loans and leases to deposits | 58.2299% | 5,050 |
| Net loans and leases to core deposits | 61.6691% | 5,026 |
| Total domestic deposits to total assets | 84.5132% | 3,503 |
| Equity capital to assets | 14.9048% | 718 |
| Core capital (leverage) ratio | 11.1259% | 2,286 |
| Tier 1 risk-based capital ratio | 17.2851% | 2,387 |
| Total risk-based capital ratio | 17.3229% | 2,867 |
| Memoranda: | ||
| Average total assets | $243,168,000 | 2,591 |
| Average earning assets | $225,018,800 | 2,576 |
| Average equity | $31,817,200 | 2,174 |
| Average total loans | $133,301,600 | 2,801 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8259% | 4,449 |
| Cost of funding earning assets | 0.4442% | 3,320 |
| Net interest margin | 3.3817% | 4,306 |
| Noninterest income to average assets | 1.0462% | 1,124 |
| Noninterest expense to average assets | 2.8432% | 3,310 |
| Loan and lease loss provision to assets | 0.0017% | 4,376 |
| Net operating income to assets | 1.0137% | 2,393 |
| Return on assets (ROA) | 1.2213% | 1,664 |
| Pretax return on assets | 1.6483% | 1,181 |
| Return on Equity (ROE) | 9.6836% | 2,356 |
| Retained earnings to average equity (ytd only) | -18.5088% | 6,477 |
| Net charge-offs to loans | 0.0255% | 3,994 |
| Credit loss provision to net charge-offs | 11.5385% | 3,686 |
| Earnings coverage of net charge-offs (x) | 95.3346% | 604 |
| Efficiency ratio | 67.4928% | 3,941 |
| Assets per employee ($millions) | 3.7570% | 4,382 |
| Cash dividends to net income (ytd only)* | 291.1348% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 2,983 |
| Loan loss allowance to noncurrent loans | 67.4298% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 1.4261% | 2,162 |
| Noncurrent loans to loans | 2.1389% | 1,442 |
| Net loans and leases to total assets | 55.2502% | 4,430 |
| Net loans and leases to deposits | 62.9304% | 4,651 |
| Net loans and leases to core deposits | 66.7789% | 4,630 |
| Total domestic deposits to total assets | 87.7957% | 1,868 |
| Equity capital to assets | 11.5376% | 2,445 |
| Core capital (leverage) ratio | 11.4990% | 2,064 |
| Tier 1 risk-based capital ratio | 17.1020% | 2,575 |
| Total risk-based capital ratio | 18.2932% | 2,553 |
| Memoranda: | ||
| Average total assets | $241,369,500 | 2,615 |
| Average earning assets | $225,998,500 | 2,578 |
| Average equity | $30,442,500 | 2,260 |
| Average total loans | $135,810,500 | 2,780 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8407% | 4,369 |
| Cost of funding earning assets | 0.4482% | 3,346 |
| Net interest margin | 3.3925% | 4,211 |
| Noninterest income to average assets | 1.0179% | 1,149 |
| Noninterest expense to average assets | 2.8228% | 3,416 |
| Loan and lease loss provision to assets | 0.0637% | 2,994 |
| Net operating income to assets | 0.9736% | 2,441 |
| Return on assets (ROA) | 1.1760% | 1,738 |
| Pretax return on assets | 1.5707% | 1,330 |
| Return on Equity (ROE) | 9.0675% | 2,559 |
| Retained earnings to average equity (ytd only) | 5.6728% | 2,530 |
| Net charge-offs to loans | 0.0308% | 3,580 |
| Credit loss provision to net charge-offs | 366.6667% | 741 |
| Earnings coverage of net charge-offs (x) | 78.5238% | 675 |
| Efficiency ratio | 67.4111% | 4,130 |
| Assets per employee ($millions) | 3.8611% | 4,143 |
| Cash dividends to net income (ytd only)* | 37.4384% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 2,857 |
| Loan loss allowance to noncurrent loans | 73.4301% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 1.2937% | 2,529 |
| Noncurrent loans to loans | 2.0550% | 1,634 |
| Net loans and leases to total assets | 54.2825% | 4,506 |
| Net loans and leases to deposits | 63.1703% | 4,576 |
| Net loans and leases to core deposits | 67.0739% | 4,548 |
| Total domestic deposits to total assets | 85.9304% | 3,074 |
| Equity capital to assets | 13.3765% | 1,201 |
| Core capital (leverage) ratio | 13.4213% | 1,005 |
| Tier 1 risk-based capital ratio | 20.4264% | 1,584 |
| Total risk-based capital ratio | 21.6765% | 1,553 |
| Memoranda: | ||
| Average total assets | $241,676,670 | 2,624 |
| Average earning assets | $225,794,000 | 2,585 |
| Average equity | $31,342,670 | 2,197 |
| Average total loans | $136,150,000 | 2,776 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8675% | 4,217 |
| Cost of funding earning assets | 0.4507% | 3,423 |
| Net interest margin | 3.4168% | 4,045 |
| Noninterest income to average assets | 1.0411% | 1,036 |
| Noninterest expense to average assets | 2.7431% | 3,789 |
| Loan and lease loss provision to assets | 0.1262% | 1,922 |
| Net operating income to assets | 1.0233% | 2,112 |
| Return on assets (ROA) | 1.1391% | 1,735 |
| Pretax return on assets | 1.5111% | 1,405 |
| Return on Equity (ROE) | 8.9250% | 2,498 |
| Retained earnings to average equity (ytd only) | 8.9250% | 1,269 |
| Net charge-offs to loans | 0.1079% | 2,103 |
| Credit loss provision to net charge-offs | 205.4054% | 1,016 |
| Earnings coverage of net charge-offs (x) | 24.1351% | 1,189 |
| Efficiency ratio | 64.9116% | 4,708 |
| Assets per employee ($millions) | 3.8878% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 3,207 |
| Loan loss allowance to noncurrent loans | 65.9001% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 1.4437% | 2,460 |
| Noncurrent loans to loans | 2.2526% | 1,604 |
| Net loans and leases to total assets | 54.3537% | 4,375 |
| Net loans and leases to deposits | 62.8825% | 4,446 |
| Net loans and leases to core deposits | 66.7161% | 4,421 |
| Total domestic deposits to total assets | 86.4369% | 3,142 |
| Equity capital to assets | 12.9172% | 1,342 |
| Core capital (leverage) ratio | 13.6308% | 938 |
| Tier 1 risk-based capital ratio | 20.4740% | 1,592 |
| Total risk-based capital ratio | 21.7241% | 1,565 |
| Memoranda: | ||
| Average total assets | $240,891,000 | 2,635 |
| Average earning assets | $224,538,000 | 2,614 |
| Average equity | $30,745,000 | 2,223 |
| Average total loans | $137,193,000 | 2,775 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2611% | 3,104 |
| Cost of funding earning assets | 0.4998% | 3,615 |
| Net interest margin | 3.7613% | 2,798 |
| Noninterest income to average assets | 1.1054% | 1,149 |
| Noninterest expense to average assets | 2.9627% | 3,154 |
| Loan and lease loss provision to assets | 0.0519% | 4,099 |
| Net operating income to assets | 1.1294% | 1,834 |
| Return on assets (ROA) | 1.1816% | 1,699 |
| Pretax return on assets | 1.5569% | 1,279 |
| Return on Equity (ROE) | 9.3691% | 2,380 |
| Retained earnings to average equity (ytd only) | 7.1297% | 1,388 |
| Net charge-offs to loans | 0.2955% | 2,211 |
| Credit loss provision to net charge-offs | 28.9044% | 4,272 |
| Earnings coverage of net charge-offs (x) | 8.5804% | 2,644 |
| Efficiency ratio | 65.7963% | 4,594 |
| Assets per employee ($millions) | 3.7008% | 4,475 |
| Cash dividends to net income (ytd only)* | 23.9023% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4125% | 3,591 |
| Loan loss allowance to noncurrent loans | 199.0891% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.9369% | 3,561 |
| Noncurrent loans to loans | 0.7095% | 4,192 |
| Net loans and leases to total assets | 57.9621% | 4,036 |
| Net loans and leases to deposits | 66.7706% | 4,209 |
| Net loans and leases to core deposits | 71.4695% | 4,132 |
| Total domestic deposits to total assets | 86.8079% | 2,826 |
| Equity capital to assets | 12.6036% | 1,463 |
| Core capital (leverage) ratio | 13.5955% | 928 |
| Tier 1 risk-based capital ratio | 19.4231% | 1,813 |
| Total risk-based capital ratio | 20.6120% | 1,782 |
| Memoranda: | ||
| Average total assets | $239,001,600 | 2,627 |
| Average earning assets | $215,883,400 | 2,664 |
| Average equity | $30,141,600 | 2,246 |
| Average total loans | $145,191,800 | 2,625 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3172% | 2,918 |
| Cost of funding earning assets | 0.5119% | 3,649 |
| Net interest margin | 3.8052% | 2,622 |
| Noninterest income to average assets | 1.0821% | 1,251 |
| Noninterest expense to average assets | 2.8409% | 3,519 |
| Loan and lease loss provision to assets | 0.0017% | 4,922 |
| Net operating income to assets | 1.2415% | 1,504 |
| Return on assets (ROA) | 1.3208% | 1,350 |
| Pretax return on assets | 1.7667% | 967 |
| Return on Equity (ROE) | 10.4717% | 2,012 |
| Retained earnings to average equity (ytd only) | 7.4930% | 1,647 |
| Net charge-offs to loans | 0.4136% | 1,558 |
| Credit loss provision to net charge-offs | 0.6593% | 4,333 |
| Earnings coverage of net charge-offs (x) | 6.5649% | 2,948 |
| Efficiency ratio | 63.0824% | 4,974 |
| Assets per employee ($millions) | 3.8059% | 4,224 |
| Cash dividends to net income (ytd only)* | 28.4451% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 4,252 |
| Loan loss allowance to noncurrent loans | 225.8065% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 1.0803% | 3,502 |
| Noncurrent loans to loans | 0.5881% | 4,733 |
| Net loans and leases to total assets | 57.3120% | 4,120 |
| Net loans and leases to deposits | 66.1212% | 4,292 |
| Net loans and leases to core deposits | 69.7127% | 4,357 |
| Total domestic deposits to total assets | 86.6771% | 2,873 |
| Equity capital to assets | 12.5032% | 1,578 |
| Core capital (leverage) ratio | 13.4448% | 1,043 |
| Tier 1 risk-based capital ratio | 19.2997% | 1,906 |
| Total risk-based capital ratio | 20.4084% | 1,910 |
| Memoranda: | ||
| Average total assets | $239,538,750 | 2,650 |
| Average earning assets | $215,381,750 | 2,682 |
| Average equity | $30,214,000 | 2,256 |
| Average total loans | $146,676,750 | 2,624 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2941% | 2,981 |
| Cost of funding earning assets | 0.5232% | 3,675 |
| Net interest margin | 3.7709% | 2,670 |
| Noninterest income to average assets | 1.0933% | 1,277 |
| Noninterest expense to average assets | 2.8181% | 3,615 |
| Loan and lease loss provision to assets | 0.0017% | 4,761 |
| Net operating income to assets | 1.1962% | 1,604 |
| Return on assets (ROA) | 1.2936% | 1,429 |
| Pretax return on assets | 1.8178% | 898 |
| Return on Equity (ROE) | 10.2263% | 2,117 |
| Retained earnings to average equity (ytd only) | 6.1213% | 2,359 |
| Net charge-offs to loans | 0.0734% | 3,660 |
| Credit loss provision to net charge-offs | 3.6364% | 3,971 |
| Earnings coverage of net charge-offs (x) | 36.8182% | 985 |
| Efficiency ratio | 62.6177% | 5,079 |
| Assets per employee ($millions) | 3.8441% | 4,124 |
| Cash dividends to net income (ytd only)* | 40.1413% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 3,477 |
| Loan loss allowance to noncurrent loans | 156.7090% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 1.3045% | 3,164 |
| Noncurrent loans to loans | 0.9709% | 3,998 |
| Net loans and leases to total assets | 60.2607% | 3,611 |
| Net loans and leases to deposits | 69.0499% | 3,853 |
| Net loans and leases to core deposits | 73.4787% | 3,876 |
| Total domestic deposits to total assets | 87.2713% | 2,677 |
| Equity capital to assets | 12.2877% | 1,715 |
| Core capital (leverage) ratio | 12.7630% | 1,260 |
| Tier 1 risk-based capital ratio | 18.1909% | 2,255 |
| Total risk-based capital ratio | 19.4413% | 2,211 |
| Memoranda: | ||
| Average total assets | $240,730,670 | 2,643 |
| Average earning assets | $217,506,330 | 2,670 |
| Average equity | $30,451,000 | 2,251 |
| Average total loans | $149,884,000 | 2,574 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2862% | 2,945 |
| Cost of funding earning assets | 0.5314% | 3,763 |
| Net interest margin | 3.7548% | 2,639 |
| Noninterest income to average assets | 1.0747% | 1,284 |
| Noninterest expense to average assets | 2.6768% | 4,162 |
| Loan and lease loss provision to assets | 0.2001% | 1,860 |
| Net operating income to assets | 1.1111% | 1,812 |
| Return on assets (ROA) | 1.3095% | 1,359 |
| Pretax return on assets | 1.8534% | 799 |
| Return on Equity (ROE) | 10.2083% | 1,992 |
| Retained earnings to average equity (ytd only) | 9.5639% | 1,225 |
| Net charge-offs to loans | -0.0948% | 6,421 |
| Credit loss provision to net charge-offs | -336.1111% | 5,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1412% | 5,572 |
| Assets per employee ($millions) | 3.7109% | 4,532 |
| Cash dividends to net income (ytd only)* | 6.3131% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 3,353 |
| Loan loss allowance to noncurrent loans | 92.6392% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.3665% | 3,225 |
| Noncurrent loans to loans | 1.7395% | 2,945 |
| Net loans and leases to total assets | 61.4860% | 3,172 |
| Net loans and leases to deposits | 71.2170% | 3,294 |
| Net loans and leases to core deposits | 74.8618% | 3,482 |
| Total domestic deposits to total assets | 86.3362% | 3,339 |
| Equity capital to assets | 12.8964% | 1,474 |
| Core capital (leverage) ratio | 12.7371% | 1,225 |
| Tier 1 risk-based capital ratio | 17.4937% | 2,561 |
| Total risk-based capital ratio | 18.7454% | 2,524 |
| Memoranda: | ||
| Average total assets | $241,928,000 | 2,656 |
| Average earning assets | $217,533,000 | 2,695 |
| Average equity | $31,033,500 | 2,237 |
| Average total loans | $151,905,000 | 2,557 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5986% | 3,010 |
| Cost of funding earning assets | 0.6557% | 3,866 |
| Net interest margin | 3.9429% | 2,633 |
| Noninterest income to average assets | 1.0697% | 1,362 |
| Noninterest expense to average assets | 2.9096% | 3,596 |
| Loan and lease loss provision to assets | 0.4243% | 1,499 |
| Net operating income to assets | 0.9306% | 2,644 |
| Return on assets (ROA) | 1.1950% | 1,786 |
| Pretax return on assets | 1.6631% | 1,232 |
| Return on Equity (ROE) | 9.2935% | 2,488 |
| Retained earnings to average equity (ytd only) | 8.7878% | 883 |
| Net charge-offs to loans | 0.8939% | 1,276 |
| Credit loss provision to net charge-offs | 75.2498% | 3,997 |
| Earnings coverage of net charge-offs (x) | 3.0507% | 3,909 |
| Efficiency ratio | 62.8440% | 5,108 |
| Assets per employee ($millions) | 3.8516% | 4,267 |
| Cash dividends to net income (ytd only)* | 5.4407% | 4,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 3,813 |
| Loan loss allowance to noncurrent loans | 152.4832% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 1.0299% | 3,974 |
| Noncurrent loans to loans | 0.9734% | 4,246 |
| Net loans and leases to total assets | 62.1475% | 3,225 |
| Net loans and leases to deposits | 72.3228% | 3,357 |
| Net loans and leases to core deposits | 76.0588% | 3,525 |
| Total domestic deposits to total assets | 85.9308% | 3,383 |
| Equity capital to assets | 12.7591% | 1,564 |
| Core capital (leverage) ratio | 12.7426% | 1,223 |
| Tier 1 risk-based capital ratio | 17.0993% | 2,602 |
| Total risk-based capital ratio | 18.3498% | 2,573 |
| Memoranda: | ||
| Average total assets | $230,720,400 | 2,717 |
| Average earning assets | $208,324,000 | 2,761 |
| Average equity | $29,666,000 | 2,270 |
| Average total loans | $145,549,800 | 2,639 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5966% | 3,214 |
| Cost of funding earning assets | 0.6669% | 4,046 |
| Net interest margin | 3.9297% | 2,804 |
| Noninterest income to average assets | 1.0029% | 1,488 |
| Noninterest expense to average assets | 2.9126% | 3,543 |
| Loan and lease loss provision to assets | 0.3267% | 2,010 |
| Net operating income to assets | 0.9444% | 2,771 |
| Return on assets (ROA) | 1.2441% | 1,763 |
| Pretax return on assets | 1.7458% | 1,168 |
| Return on Equity (ROE) | 9.6558% | 2,520 |
| Retained earnings to average equity (ytd only) | 9.6558% | 1,012 |
| Net charge-offs to loans | 1.0812% | 958 |
| Credit loss provision to net charge-offs | 47.8970% | 4,448 |
| Earnings coverage of net charge-offs (x) | 2.4197% | 4,071 |
| Efficiency ratio | 63.8312% | 4,831 |
| Assets per employee ($millions) | 3.7081% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 4,579 |
| Loan loss allowance to noncurrent loans | 398.1964% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.9978% | 4,287 |
| Noncurrent loans to loans | 0.3392% | 5,797 |
| Net loans and leases to total assets | 62.1302% | 3,356 |
| Net loans and leases to deposits | 72.7260% | 3,492 |
| Net loans and leases to core deposits | 76.7437% | 3,632 |
| Total domestic deposits to total assets | 85.4305% | 3,552 |
| Equity capital to assets | 13.1222% | 1,532 |
| Core capital (leverage) ratio | 12.8388% | 1,257 |
| Tier 1 risk-based capital ratio | 17.1452% | 2,675 |
| Total risk-based capital ratio | 18.3005% | 2,665 |
| Memoranda: | ||
| Average total assets | $227,738,000 | 2,778 |
| Average earning assets | $206,321,250 | 2,806 |
| Average equity | $29,342,500 | 2,311 |
| Average total loans | $143,669,000 | 2,702 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6385% | 3,190 |
| Cost of funding earning assets | 0.6851% | 4,143 |
| Net interest margin | 3.9534% | 2,709 |
| Noninterest income to average assets | 0.9088% | 1,754 |
| Noninterest expense to average assets | 2.8922% | 3,653 |
| Loan and lease loss provision to assets | 0.3118% | 2,115 |
| Net operating income to assets | 0.8951% | 2,935 |
| Return on assets (ROA) | 1.2800% | 1,655 |
| Pretax return on assets | 1.8044% | 1,035 |
| Return on Equity (ROE) | 9.9983% | 2,352 |
| Retained earnings to average equity (ytd only) | 9.9983% | 976 |
| Net charge-offs to loans | 1.6798% | 548 |
| Credit loss provision to net charge-offs | 29.4069% | 4,451 |
| Earnings coverage of net charge-offs (x) | 1.4845% | 4,251 |
| Efficiency ratio | 64.7560% | 4,752 |
| Assets per employee ($millions) | 3.6573% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 5,308 |
| Loan loss allowance to noncurrent loans | 518.9911% | 699 |
| Noncurrent assets plus other real estate owned to assets | 1.1250% | 4,138 |
| Noncurrent loans to loans | 0.2332% | 6,110 |
| Net loans and leases to total assets | 62.9491% | 3,244 |
| Net loans and leases to deposits | 73.4745% | 3,385 |
| Net loans and leases to core deposits | 77.5342% | 3,585 |
| Total domestic deposits to total assets | 85.6747% | 3,521 |
| Equity capital to assets | 13.1063% | 1,466 |
| Core capital (leverage) ratio | 12.7917% | 1,219 |
| Tier 1 risk-based capital ratio | 16.9143% | 2,709 |
| Total risk-based capital ratio | 17.9413% | 2,764 |
| Memoranda: | ||
| Average total assets | $225,780,330 | 2,808 |
| Average earning assets | $203,167,330 | 2,842 |
| Average equity | $28,905,000 | 2,336 |
| Average total loans | $142,515,330 | 2,732 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6795% | 3,134 |
| Cost of funding earning assets | 0.7143% | 4,160 |
| Net interest margin | 3.9652% | 2,648 |
| Noninterest income to average assets | 1.0511% | 1,305 |
| Noninterest expense to average assets | 2.9135% | 3,572 |
| Loan and lease loss provision to assets | 0.4811% | 1,272 |
| Net operating income to assets | 0.8689% | 3,058 |
| Return on assets (ROA) | 1.2357% | 1,819 |
| Pretax return on assets | 1.7311% | 1,234 |
| Return on Equity (ROE) | 9.7691% | 2,483 |
| Retained earnings to average equity (ytd only) | 9.7691% | 1,332 |
| Net charge-offs to loans | 0.0678% | 3,807 |
| Credit loss provision to net charge-offs | 1,129.1667% | 308 |
| Earnings coverage of net charge-offs (x) | 39.7917% | 751 |
| Efficiency ratio | 63.2126% | 5,067 |
| Assets per employee ($millions) | 3.6021% | 4,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0256% | 2,284 |
| Loan loss allowance to noncurrent loans | 153.9837% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 1.8860% | 3,064 |
| Noncurrent loans to loans | 1.3154% | 4,142 |
| Net loans and leases to total assets | 60.5535% | 3,547 |
| Net loans and leases to deposits | 70.0414% | 3,733 |
| Net loans and leases to core deposits | 75.3961% | 3,700 |
| Total domestic deposits to total assets | 86.4538% | 3,275 |
| Equity capital to assets | 12.6468% | 1,629 |
| Core capital (leverage) ratio | 12.5203% | 1,333 |
| Tier 1 risk-based capital ratio | 16.8151% | 2,752 |
| Total risk-based capital ratio | 18.0710% | 2,707 |
| Memoranda: | ||
| Average total assets | $225,294,000 | 2,828 |
| Average earning assets | $202,157,000 | 2,872 |
| Average equity | $28,498,000 | 2,363 |
| Average total loans | $141,529,000 | 2,763 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9596% | 3,072 |
| Cost of funding earning assets | 0.9274% | 3,904 |
| Net interest margin | 4.0322% | 2,722 |
| Noninterest income to average assets | 1.2085% | 908 |
| Noninterest expense to average assets | 3.1243% | 3,114 |
| Loan and lease loss provision to assets | 0.3132% | 3,163 |
| Net operating income to assets | 1.0163% | 2,142 |
| Return on assets (ROA) | 1.0698% | 2,065 |
| Pretax return on assets | 1.4535% | 1,619 |
| Return on Equity (ROE) | 8.7339% | 2,575 |
| Retained earnings to average equity (ytd only) | 8.7339% | 872 |
| Net charge-offs to loans | 0.9975% | 1,741 |
| Credit loss provision to net charge-offs | 48.0226% | 5,469 |
| Earnings coverage of net charge-offs (x) | 2.5982% | 3,917 |
| Efficiency ratio | 64.8380% | 4,976 |
| Assets per employee ($millions) | 3.4408% | 5,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8165% | 2,819 |
| Loan loss allowance to noncurrent loans | 111.7140% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 1.9141% | 3,090 |
| Noncurrent loans to loans | 1.6261% | 3,721 |
| Net loans and leases to total assets | 62.6891% | 3,472 |
| Net loans and leases to deposits | 72.5869% | 3,722 |
| Net loans and leases to core deposits | 78.2290% | 3,657 |
| Total domestic deposits to total assets | 86.3641% | 3,104 |
| Equity capital to assets | 12.6517% | 1,696 |
| Core capital (leverage) ratio | 12.2445% | 1,461 |
| Tier 1 risk-based capital ratio | 16.1811% | 2,961 |
| Total risk-based capital ratio | 17.4348% | 2,927 |
| Memoranda: | ||
| Average total assets | $217,133,600 | 2,870 |
| Average earning assets | $194,410,000 | 2,918 |
| Average equity | $26,597,600 | 2,428 |
| Average total loans | $141,950,800 | 2,752 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9831% | 3,173 |
| Cost of funding earning assets | 0.9673% | 3,917 |
| Net interest margin | 4.0158% | 2,850 |
| Noninterest income to average assets | 1.1780% | 951 |
| Noninterest expense to average assets | 3.0897% | 3,198 |
| Loan and lease loss provision to assets | 0.0489% | 5,834 |
| Net operating income to assets | 1.1863% | 1,688 |
| Return on assets (ROA) | 1.1953% | 1,779 |
| Pretax return on assets | 1.6451% | 1,268 |
| Return on Equity (ROE) | 9.8420% | 2,255 |
| Retained earnings to average equity (ytd only) | 9.8420% | 884 |
| Net charge-offs to loans | 0.9031% | 1,770 |
| Credit loss provision to net charge-offs | 8.2292% | 5,676 |
| Earnings coverage of net charge-offs (x) | 2.8312% | 3,724 |
| Efficiency ratio | 64.7562% | 4,944 |
| Assets per employee ($millions) | 3.4905% | 5,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7010% | 3,264 |
| Loan loss allowance to noncurrent loans | 79.4614% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 2.5061% | 2,581 |
| Noncurrent loans to loans | 2.1407% | 3,196 |
| Net loans and leases to total assets | 62.3765% | 3,636 |
| Net loans and leases to deposits | 72.3588% | 3,928 |
| Net loans and leases to core deposits | 78.2470% | 3,863 |
| Total domestic deposits to total assets | 86.2045% | 3,087 |
| Equity capital to assets | 12.3644% | 1,990 |
| Core capital (leverage) ratio | 12.0718% | 1,668 |
| Tier 1 risk-based capital ratio | 15.4464% | 3,417 |
| Total risk-based capital ratio | 16.6986% | 3,386 |
| Memoranda: | ||
| Average total assets | $215,503,750 | 2,896 |
| Average earning assets | $192,833,500 | 2,946 |
| Average equity | $26,173,000 | 2,463 |
| Average total loans | $141,738,500 | 2,781 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0588% | 2,880 |
| Cost of funding earning assets | 1.0189% | 3,822 |
| Net interest margin | 4.0399% | 2,649 |
| Noninterest income to average assets | 1.1450% | 981 |
| Noninterest expense to average assets | 3.1581% | 3,057 |
| Loan and lease loss provision to assets | 0.0028% | 6,205 |
| Net operating income to assets | 1.2350% | 1,476 |
| Return on assets (ROA) | 1.1695% | 1,742 |
| Pretax return on assets | 1.5209% | 1,465 |
| Return on Equity (ROE) | 9.6922% | 2,234 |
| Retained earnings to average equity (ytd only) | 9.6922% | 917 |
| Net charge-offs to loans | 1.1121% | 1,417 |
| Credit loss provision to net charge-offs | 0.3827% | 5,333 |
| Earnings coverage of net charge-offs (x) | 2.1722% | 3,757 |
| Efficiency ratio | 66.2505% | 4,830 |
| Assets per employee ($millions) | 3.4131% | 5,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8485% | 2,829 |
| Loan loss allowance to noncurrent loans | 508.7824% | 654 |
| Noncurrent assets plus other real estate owned to assets | 1.3949% | 4,133 |
| Noncurrent loans to loans | 0.3633% | 6,176 |
| Net loans and leases to total assets | 61.9614% | 3,892 |
| Net loans and leases to deposits | 71.7522% | 4,150 |
| Net loans and leases to core deposits | 77.7059% | 4,089 |
| Total domestic deposits to total assets | 86.3547% | 3,124 |
| Equity capital to assets | 12.2331% | 1,946 |
| Core capital (leverage) ratio | 12.1501% | 1,530 |
| Tier 1 risk-based capital ratio | 17.2920% | 2,416 |
| Total risk-based capital ratio | 18.5477% | 2,385 |
| Memoranda: | ||
| Average total assets | $211,710,000 | 2,952 |
| Average earning assets | $189,806,670 | 2,999 |
| Average equity | $25,546,330 | 2,506 |
| Average total loans | $140,994,000 | 2,827 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0844% | 2,718 |
| Cost of funding earning assets | 1.0404% | 3,916 |
| Net interest margin | 4.0440% | 2,495 |
| Noninterest income to average assets | 1.1673% | 949 |
| Noninterest expense to average assets | 3.1486% | 3,073 |
| Loan and lease loss provision to assets | 0.0038% | 5,813 |
| Net operating income to assets | 1.1120% | 1,800 |
| Return on assets (ROA) | 1.0310% | 2,116 |
| Pretax return on assets | 1.5282% | 1,369 |
| Return on Equity (ROE) | 8.6063% | 2,652 |
| Retained earnings to average equity (ytd only) | 8.6063% | 1,517 |
| Net charge-offs to loans | 1.3582% | 1,017 |
| Credit loss provision to net charge-offs | 0.4132% | 4,474 |
| Earnings coverage of net charge-offs (x) | 1.7789% | 3,415 |
| Efficiency ratio | 65.5738% | 5,112 |
| Assets per employee ($millions) | 3.2856% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0060% | 2,406 |
| Loan loss allowance to noncurrent loans | 243.0034% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 1.8119% | 3,551 |
| Noncurrent loans to loans | 0.8255% | 5,381 |
| Net loans and leases to total assets | 66.1610% | 2,970 |
| Net loans and leases to deposits | 76.4329% | 3,353 |
| Net loans and leases to core deposits | 83.8844% | 3,177 |
| Total domestic deposits to total assets | 86.5608% | 3,201 |
| Equity capital to assets | 12.0677% | 1,880 |
| Core capital (leverage) ratio | 12.0784% | 1,520 |
| Tier 1 risk-based capital ratio | 16.3673% | 2,726 |
| Total risk-based capital ratio | 17.6248% | 2,690 |
| Memoranda: | ||
| Average total assets | $208,344,500 | 3,009 |
| Average earning assets | $187,239,000 | 3,050 |
| Average equity | $24,958,500 | 2,551 |
| Average total loans | $142,542,000 | 2,832 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1640% | 3,780 |
| Cost of funding earning assets | 1.2804% | 4,017 |
| Net interest margin | 3.8837% | 3,565 |
| Noninterest income to average assets | 1.0847% | 1,272 |
| Noninterest expense to average assets | 3.1748% | 3,176 |
| Loan and lease loss provision to assets | 0.2702% | 4,644 |
| Net operating income to assets | 0.8068% | 2,769 |
| Return on assets (ROA) | 0.7784% | 3,015 |
| Pretax return on assets | 1.1502% | 2,395 |
| Return on Equity (ROE) | 6.8198% | 3,204 |
| Retained earnings to average equity (ytd only) | 6.8198% | 1,401 |
| Net charge-offs to loans | 0.6209% | 3,177 |
| Credit loss provision to net charge-offs | 61.3808% | 6,062 |
| Earnings coverage of net charge-offs (x) | 3.3215% | 3,418 |
| Efficiency ratio | 68.4658% | 4,460 |
| Assets per employee ($millions) | 3.3292% | 5,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3268% | 1,654 |
| Loan loss allowance to noncurrent loans | 144.7826% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 3.0096% | 2,336 |
| Noncurrent loans to loans | 1.6071% | 4,092 |
| Net loans and leases to total assets | 67.7212% | 3,052 |
| Net loans and leases to deposits | 77.9068% | 3,525 |
| Net loans and leases to core deposits | 85.6413% | 3,374 |
| Total domestic deposits to total assets | 86.9259% | 2,871 |
| Equity capital to assets | 11.8896% | 1,976 |
| Core capital (leverage) ratio | 11.9720% | 1,568 |
| Tier 1 risk-based capital ratio | 15.9944% | 2,755 |
| Total risk-based capital ratio | 17.2551% | 2,707 |
| Memoranda: | ||
| Average total assets | $210,566,400 | 2,975 |
| Average earning assets | $192,601,200 | 2,965 |
| Average equity | $24,032,800 | 2,653 |
| Average total loans | $149,308,400 | 2,786 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1842% | 3,921 |
| Cost of funding earning assets | 1.3127% | 4,139 |
| Net interest margin | 3.8715% | 3,650 |
| Noninterest income to average assets | 1.0522% | 1,302 |
| Noninterest expense to average assets | 3.0994% | 3,341 |
| Loan and lease loss provision to assets | 0.3579% | 3,749 |
| Net operating income to assets | 0.7544% | 3,199 |
| Return on assets (ROA) | 0.7498% | 3,377 |
| Pretax return on assets | 1.1335% | 2,721 |
| Return on Equity (ROE) | 6.6370% | 3,518 |
| Retained earnings to average equity (ytd only) | 6.6370% | 2,021 |
| Net charge-offs to loans | 0.5020% | 3,271 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 4.1866% | 3,159 |
| Efficiency ratio | 67.4113% | 4,582 |
| Assets per employee ($millions) | 3.2681% | 5,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4990% | 1,325 |
| Loan loss allowance to noncurrent loans | 123.6339% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 2.6310% | 2,751 |
| Noncurrent loans to loans | 2.0213% | 3,651 |
| Net loans and leases to total assets | 69.8868% | 2,757 |
| Net loans and leases to deposits | 80.3408% | 3,388 |
| Net loans and leases to core deposits | 89.5324% | 3,161 |
| Total domestic deposits to total assets | 86.9879% | 2,539 |
| Equity capital to assets | 12.0480% | 2,130 |
| Core capital (leverage) ratio | 11.6409% | 1,851 |
| Tier 1 risk-based capital ratio | 15.4576% | 3,022 |
| Total risk-based capital ratio | 16.7214% | 2,983 |
| Memoranda: | ||
| Average total assets | $211,606,000 | 3,014 |
| Average earning assets | $193,789,000 | 2,994 |
| Average equity | $23,905,750 | 2,706 |
| Average total loans | $150,857,500 | 2,793 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1768% | 4,059 |
| Cost of funding earning assets | 1.3471% | 4,205 |
| Net interest margin | 3.8297% | 3,765 |
| Noninterest income to average assets | 0.9536% | 1,505 |
| Noninterest expense to average assets | 3.0359% | 3,571 |
| Loan and lease loss provision to assets | 0.5302% | 2,668 |
| Net operating income to assets | 0.6072% | 3,852 |
| Return on assets (ROA) | 0.6276% | 3,884 |
| Pretax return on assets | 0.9274% | 3,396 |
| Return on Equity (ROE) | 5.6766% | 3,959 |
| Retained earnings to average equity (ytd only) | 5.6766% | 2,511 |
| Net charge-offs to loans | 0.6173% | 2,680 |
| Credit loss provision to net charge-offs | 120.6823% | 3,358 |
| Earnings coverage of net charge-offs (x) | 3.2495% | 3,397 |
| Efficiency ratio | 68.0168% | 4,575 |
| Assets per employee ($millions) | 3.3309% | 5,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5181% | 1,279 |
| Loan loss allowance to noncurrent loans | 65.2699% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 3.8748% | 1,788 |
| Noncurrent loans to loans | 3.8580% | 1,985 |
| Net loans and leases to total assets | 69.8258% | 2,944 |
| Net loans and leases to deposits | 79.6995% | 3,651 |
| Net loans and leases to core deposits | 89.5543% | 3,333 |
| Total domestic deposits to total assets | 87.6113% | 2,200 |
| Equity capital to assets | 11.5047% | 2,439 |
| Core capital (leverage) ratio | 10.9367% | 2,286 |
| Tier 1 risk-based capital ratio | 14.5470% | 3,420 |
| Total risk-based capital ratio | 15.8112% | 3,372 |
| Memoranda: | ||
| Average total assets | $213,510,330 | 3,013 |
| Average earning assets | $195,680,000 | 3,003 |
| Average equity | $23,605,670 | 2,734 |
| Average total loans | $151,950,000 | 2,800 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2047% | 3,989 |
| Cost of funding earning assets | 1.4091% | 4,121 |
| Net interest margin | 3.7956% | 3,815 |
| Noninterest income to average assets | 0.9436% | 1,470 |
| Noninterest expense to average assets | 2.9683% | 3,788 |
| Loan and lease loss provision to assets | 0.4532% | 2,698 |
| Net operating income to assets | 0.6798% | 3,522 |
| Return on assets (ROA) | 0.6631% | 3,713 |
| Pretax return on assets | 0.9603% | 3,234 |
| Return on Equity (ROE) | 6.1189% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.1189% | 2,565 |
| Net charge-offs to loans | 1.4165% | 1,220 |
| Credit loss provision to net charge-offs | 45.1017% | 4,553 |
| Earnings coverage of net charge-offs (x) | 1.4307% | 3,889 |
| Efficiency ratio | 67.3693% | 4,837 |
| Assets per employee ($millions) | 3.4867% | 5,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2357% | 1,682 |
| Loan loss allowance to noncurrent loans | 81.0662% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 3.0824% | 2,320 |
| Noncurrent loans to loans | 2.7579% | 2,896 |
| Net loans and leases to total assets | 69.7166% | 3,007 |
| Net loans and leases to deposits | 82.0379% | 3,277 |
| Net loans and leases to core deposits | 90.6585% | 3,275 |
| Total domestic deposits to total assets | 84.9810% | 3,684 |
| Equity capital to assets | 11.1034% | 2,670 |
| Core capital (leverage) ratio | 10.5610% | 2,564 |
| Tier 1 risk-based capital ratio | 13.8418% | 3,770 |
| Total risk-based capital ratio | 15.1024% | 3,723 |
| Memoranda: | ||
| Average total assets | $215,343,000 | 3,044 |
| Average earning assets | $196,436,000 | 3,039 |
| Average equity | $23,337,500 | 2,788 |
| Average total loans | $152,769,500 | 2,847 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1146% | 6,027 |
| Cost of funding earning assets | 1.9749% | 3,082 |
| Net interest margin | 3.1397% | 6,257 |
| Noninterest income to average assets | 0.9367% | 1,804 |
| Noninterest expense to average assets | 3.0638% | 3,894 |
| Loan and lease loss provision to assets | 0.4440% | 4,164 |
| Net operating income to assets | 0.2949% | 4,552 |
| Return on assets (ROA) | 0.4150% | 4,175 |
| Pretax return on assets | 0.4481% | 4,359 |
| Return on Equity (ROE) | 4.4078% | 3,924 |
| Retained earnings to average equity (ytd only) | 3.6208% | 2,648 |
| Net charge-offs to loans | 1.5679% | 1,607 |
| Credit loss provision to net charge-offs | 41.0677% | 6,821 |
| Earnings coverage of net charge-offs (x) | 0.7058% | 5,393 |
| Efficiency ratio | 80.0594% | 2,883 |
| Assets per employee ($millions) | 3.5737% | 4,838 |
| Cash dividends to net income (ytd only)* | 17.8532% | 3,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3969% | 1,354 |
| Loan loss allowance to noncurrent loans | 105.8250% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 2.6418% | 2,661 |
| Noncurrent loans to loans | 2.2649% | 3,323 |
| Net loans and leases to total assets | 68.8910% | 3,517 |
| Net loans and leases to deposits | 80.3960% | 3,917 |
| Net loans and leases to core deposits | 109.6077% | 2,944 |
| Total domestic deposits to total assets | 85.6896% | 3,171 |
| Equity capital to assets | 10.5778% | 3,095 |
| Core capital (leverage) ratio | 9.8735% | 3,237 |
| Tier 1 risk-based capital ratio | 13.3150% | 3,935 |
| Total risk-based capital ratio | 14.5775% | 3,873 |
| Memoranda: | ||
| Average total assets | $220,021,000 | 2,939 |
| Average earning assets | $202,537,400 | 2,940 |
| Average equity | $20,713,400 | 3,106 |
| Average total loans | $151,735,800 | 2,893 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0378% | 6,484 |
| Cost of funding earning assets | 2.0615% | 3,066 |
| Net interest margin | 2.9763% | 6,668 |
| Noninterest income to average assets | 0.9214% | 1,899 |
| Noninterest expense to average assets | 2.9819% | 4,119 |
| Loan and lease loss provision to assets | 0.4274% | 3,765 |
| Net operating income to assets | 0.2521% | 4,980 |
| Return on assets (ROA) | 0.4081% | 4,469 |
| Pretax return on assets | 0.4081% | 4,784 |
| Return on Equity (ROE) | 4.4715% | 4,173 |
| Retained earnings to average equity (ytd only) | 3.5971% | 3,274 |
| Net charge-offs to loans | 1.6322% | 1,246 |
| Credit loss provision to net charge-offs | 38.1956% | 6,441 |
| Earnings coverage of net charge-offs (x) | 0.6072% | 5,425 |
| Efficiency ratio | 81.4399% | 2,657 |
| Assets per employee ($millions) | 3.6250% | 4,620 |
| Cash dividends to net income (ytd only)* | 19.5560% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5995% | 968 |
| Loan loss allowance to noncurrent loans | 111.2489% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 3.2525% | 2,084 |
| Noncurrent loans to loans | 2.3367% | 3,220 |
| Net loans and leases to total assets | 66.8635% | 4,223 |
| Net loans and leases to deposits | 78.2294% | 4,708 |
| Net loans and leases to core deposits | 109.8708% | 3,256 |
| Total domestic deposits to total assets | 85.4711% | 2,986 |
| Equity capital to assets | 10.6641% | 3,326 |
| Core capital (leverage) ratio | 9.9226% | 3,372 |
| Tier 1 risk-based capital ratio | 13.6867% | 3,722 |
| Total risk-based capital ratio | 14.9511% | 3,660 |
| Memoranda: | ||
| Average total assets | $220,527,500 | 2,948 |
| Average earning assets | $203,019,750 | 2,948 |
| Average equity | $20,127,000 | 3,211 |
| Average total loans | $151,203,000 | 2,923 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0373% | 6,659 |
| Cost of funding earning assets | 2.1540% | 3,024 |
| Net interest margin | 2.8832% | 6,841 |
| Noninterest income to average assets | 0.9586% | 1,733 |
| Noninterest expense to average assets | 2.9365% | 4,353 |
| Loan and lease loss provision to assets | 0.4493% | 3,288 |
| Net operating income to assets | 0.2215% | 5,183 |
| Return on assets (ROA) | 0.4566% | 4,380 |
| Pretax return on assets | 0.4566% | 4,760 |
| Return on Equity (ROE) | 5.3015% | 3,955 |
| Retained earnings to average equity (ytd only) | 4.2792% | 2,922 |
| Net charge-offs to loans | 2.3297% | 766 |
| Credit loss provision to net charge-offs | 28.1410% | 6,049 |
| Earnings coverage of net charge-offs (x) | 0.4201% | 5,275 |
| Efficiency ratio | 81.4041% | 2,815 |
| Assets per employee ($millions) | 3.5934% | 4,584 |
| Cash dividends to net income (ytd only)* | 19.2843% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5403% | 867 |
| Loan loss allowance to noncurrent loans | 178.5348% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 2.8266% | 2,269 |
| Noncurrent loans to loans | 1.4229% | 4,366 |
| Net loans and leases to total assets | 64.8389% | 4,800 |
| Net loans and leases to deposits | 75.3923% | 5,262 |
| Net loans and leases to core deposits | 106.1913% | 3,816 |
| Total domestic deposits to total assets | 86.0021% | 2,791 |
| Equity capital to assets | 9.9093% | 4,068 |
| Core capital (leverage) ratio | 9.9978% | 3,301 |
| Tier 1 risk-based capital ratio | 13.4570% | 3,836 |
| Total risk-based capital ratio | 14.7206% | 3,771 |
| Memoranda: | ||
| Average total assets | $220,328,330 | 2,972 |
| Average earning assets | $202,411,670 | 2,974 |
| Average equity | $18,975,670 | 3,395 |
| Average total loans | $151,004,670 | 2,964 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1017% | 6,639 |
| Cost of funding earning assets | 2.2772% | 2,807 |
| Net interest margin | 2.8245% | 6,942 |
| Noninterest income to average assets | 0.9425% | 1,679 |
| Noninterest expense to average assets | 2.8808% | 4,228 |
| Loan and lease loss provision to assets | 0.0976% | 5,707 |
| Net operating income to assets | 0.5578% | 4,190 |
| Return on assets (ROA) | 0.8357% | 3,119 |
| Pretax return on assets | 0.8357% | 3,950 |
| Return on Equity (ROE) | 10.5294% | 2,115 |
| Retained earnings to average equity (ytd only) | 9.3002% | 1,399 |
| Net charge-offs to loans | 3.7433% | 324 |
| Credit loss provision to net charge-offs | 3.7456% | 5,233 |
| Earnings coverage of net charge-offs (x) | 0.2516% | 4,774 |
| Efficiency ratio | 81.4680% | 2,613 |
| Assets per employee ($millions) | 3.2926% | 5,334 |
| Cash dividends to net income (ytd only)* | 11.6740% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5140% | 756 |
| Loan loss allowance to noncurrent loans | 404.7774% | 870 |
| Noncurrent assets plus other real estate owned to assets | 2.1364% | 2,693 |
| Noncurrent loans to loans | 0.6211% | 5,847 |
| Net loans and leases to total assets | 65.5298% | 4,694 |
| Net loans and leases to deposits | 74.4470% | 5,426 |
| Net loans and leases to core deposits | 102.6485% | 4,276 |
| Total domestic deposits to total assets | 88.0220% | 1,741 |
| Equity capital to assets | 8.1866% | 6,554 |
| Core capital (leverage) ratio | 8.2339% | 6,025 |
| Tier 1 risk-based capital ratio | 10.9622% | 5,935 |
| Total risk-based capital ratio | 12.2253% | 5,827 |
| Memoranda: | ||
| Average total assets | $217,300,500 | 3,026 |
| Average earning assets | $199,541,500 | 3,018 |
| Average equity | $17,247,000 | 3,685 |
| Average total loans | $151,201,500 | 2,987 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9782% | 5,652 |
| Cost of funding earning assets | 2.6931% | 3,186 |
| Net interest margin | 3.2852% | 6,089 |
| Noninterest income to average assets | 1.0007% | 1,578 |
| Noninterest expense to average assets | 3.2225% | 3,248 |
| Loan and lease loss provision to assets | 1.8437% | 680 |
| Net operating income to assets | -0.6341% | 7,028 |
| Return on assets (ROA) | -1.1844% | 7,275 |
| Pretax return on assets | -1.8959% | 7,406 |
| Return on Equity (ROE) | -12.7181% | 7,482 |
| Retained earnings to average equity (ytd only) | -15.2817% | 7,479 |
| Net charge-offs to loans | 0.8548% | 1,469 |
| Credit loss provision to net charge-offs | 298.8662% | 1,517 |
| Earnings coverage of net charge-offs (x) | 1.3091% | 5,471 |
| Efficiency ratio | 79.9607% | 2,604 |
| Assets per employee ($millions) | 3.0571% | 5,913 |
| Cash dividends to net income (ytd only)* | -20.1575% | 7,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3028% | 338 |
| Loan loss allowance to noncurrent loans | 1,497.0588% | 376 |
| Noncurrent assets plus other real estate owned to assets | 1.5510% | 3,122 |
| Noncurrent loans to loans | 0.2206% | 6,728 |
| Net loans and leases to total assets | 69.6382% | 4,111 |
| Net loans and leases to deposits | 78.5311% | 5,263 |
| Net loans and leases to core deposits | 108.5635% | 3,901 |
| Total domestic deposits to total assets | 88.6760% | 1,167 |
| Equity capital to assets | 7.6796% | 7,226 |
| Core capital (leverage) ratio | 8.0087% | 6,473 |
| Tier 1 risk-based capital ratio | 10.4458% | 6,266 |
| Total risk-based capital ratio | 11.7186% | 6,120 |
| Memoranda: | ||
| Average total assets | $214,458,200 | 2,946 |
| Average earning assets | $197,768,000 | 2,917 |
| Average equity | $19,971,600 | 3,234 |
| Average total loans | $154,779,400 | 2,850 |