Home > Stone County National Bank > Performance and Condition Ratios
Stone County National Bank, 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 | 4.0038% | 5,509 |
| Cost of funding earning assets | 0.4203% | 5,982 |
| Net interest margin | 3.5834% | 4,301 |
| Noninterest income to average assets | 0.2734% | 5,597 |
| Noninterest expense to average assets | 3.5941% | 1,565 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.1311% | 6,437 |
| Return on assets (ROA) | -0.5980% | 6,764 |
| Pretax return on assets | -0.5980% | 6,742 |
| Return on Equity (ROE) | -5.5805% | 6,740 |
| Retained earnings to average equity (ytd only) | -5.5805% | 6,651 |
| Net charge-offs to loans | -0.0882% | 6,828 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7858% | 423 |
| Assets per employee ($millions) | 2.6895% | 6,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4461% | 488 |
| Loan loss allowance to noncurrent loans | 214.4708% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 1.2196% | 3,857 |
| Noncurrent loans to loans | 1.6068% | 3,377 |
| Net loans and leases to total assets | 34.4822% | 6,635 |
| Net loans and leases to deposits | 38.8510% | 6,722 |
| Net loans and leases to core deposits | 38.8510% | 6,777 |
| Total domestic deposits to total assets | 88.7550% | 1,561 |
| Equity capital to assets | 11.0095% | 3,267 |
| Core capital (leverage) ratio | 9.8305% | 3,775 |
| Tier 1 risk-based capital ratio | 21.6391% | 1,395 |
| Total risk-based capital ratio | 22.9041% | 1,367 |
| Memoranda: | ||
| Average total assets | $83,393,250 | 5,314 |
| Average earning assets | $74,228,250 | 5,362 |
| Average equity | $8,935,500 | 5,283 |
| Average total loans | $30,236,750 | 6,010 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0839% | 5,377 |
| Cost of funding earning assets | 0.4460% | 5,994 |
| Net interest margin | 3.6378% | 4,090 |
| Noninterest income to average assets | 0.2562% | 5,747 |
| Noninterest expense to average assets | 3.5708% | 1,642 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0830% | 6,418 |
| Return on assets (ROA) | -0.7758% | 6,872 |
| Pretax return on assets | -0.7758% | 6,841 |
| Return on Equity (ROE) | -7.3048% | 6,839 |
| Retained earnings to average equity (ytd only) | -7.3048% | 6,731 |
| Net charge-offs to loans | -0.1693% | 6,969 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3810% | 481 |
| Assets per employee ($millions) | 2.6615% | 6,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4289% | 527 |
| Loan loss allowance to noncurrent loans | 202.2267% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 1.4677% | 3,501 |
| Noncurrent loans to loans | 1.6956% | 3,356 |
| Net loans and leases to total assets | 33.0363% | 6,768 |
| Net loans and leases to deposits | 36.9962% | 6,840 |
| Net loans and leases to core deposits | 37.1207% | 6,889 |
| Total domestic deposits to total assets | 89.2963% | 1,336 |
| Equity capital to assets | 10.4806% | 3,714 |
| Core capital (leverage) ratio | 9.5948% | 4,008 |
| Tier 1 risk-based capital ratio | 21.2501% | 1,431 |
| Total risk-based capital ratio | 22.5086% | 1,403 |
| Memoranda: | ||
| Average total assets | $84,296,000 | 5,319 |
| Average earning assets | $74,879,670 | 5,363 |
| Average equity | $8,953,000 | 5,282 |
| Average total loans | $30,710,670 | 6,028 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2587% | 4,895 |
| Cost of funding earning assets | 0.4893% | 5,875 |
| Net interest margin | 3.7694% | 3,520 |
| Noninterest income to average assets | 0.2385% | 5,923 |
| Noninterest expense to average assets | 3.6155% | 1,534 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0334% | 6,460 |
| Return on assets (ROA) | -0.2290% | 6,708 |
| Pretax return on assets | -0.2290% | 6,687 |
| Return on Equity (ROE) | -2.1413% | 6,695 |
| Retained earnings to average equity (ytd only) | -2.1413% | 6,294 |
| Net charge-offs to loans | -0.1143% | 6,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9321% | 522 |
| Assets per employee ($millions) | 2.5786% | 6,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2319% | 659 |
| Loan loss allowance to noncurrent loans | 276.6197% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 1.4408% | 3,704 |
| Noncurrent loans to loans | 1.1683% | 4,376 |
| Net loans and leases to total assets | 34.5536% | 6,708 |
| Net loans and leases to deposits | 38.7310% | 6,796 |
| Net loans and leases to core deposits | 38.8615% | 6,859 |
| Total domestic deposits to total assets | 89.2143% | 1,545 |
| Equity capital to assets | 10.5554% | 3,421 |
| Core capital (leverage) ratio | 10.0477% | 3,311 |
| Tier 1 risk-based capital ratio | 21.0841% | 1,475 |
| Total risk-based capital ratio | 22.3491% | 1,441 |
| Memoranda: | ||
| Average total assets | $83,860,500 | 5,368 |
| Average earning assets | $74,388,500 | 5,419 |
| Average equity | $8,966,500 | 5,291 |
| Average total loans | $31,498,500 | 6,037 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6699% | 4,378 |
| Cost of funding earning assets | 0.7117% | 5,463 |
| Net interest margin | 3.9581% | 3,078 |
| Noninterest income to average assets | -0.0640% | 7,073 |
| Noninterest expense to average assets | 3.9443% | 1,122 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.5105% | 6,492 |
| Return on assets (ROA) | -0.5555% | 6,568 |
| Pretax return on assets | -0.5555% | 6,525 |
| Return on Equity (ROE) | -5.2630% | 6,543 |
| Retained earnings to average equity (ytd only) | -5.2630% | 6,465 |
| Net charge-offs to loans | 0.4537% | 3,169 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -2.6770% | 6,311 |
| Efficiency ratio | 114.8672% | 356 |
| Assets per employee ($millions) | 2.5038% | 6,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9836% | 825 |
| Loan loss allowance to noncurrent loans | 190.7843% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 1.6932% | 3,413 |
| Noncurrent loans to loans | 1.5638% | 3,819 |
| Net loans and leases to total assets | 38.2914% | 6,640 |
| Net loans and leases to deposits | 43.0299% | 6,759 |
| Net loans and leases to core deposits | 43.1790% | 6,845 |
| Total domestic deposits to total assets | 88.9879% | 1,540 |
| Equity capital to assets | 10.8330% | 3,156 |
| Core capital (leverage) ratio | 10.1345% | 3,189 |
| Tier 1 risk-based capital ratio | 20.0472% | 1,632 |
| Total risk-based capital ratio | 21.3098% | 1,595 |
| Memoranda: | ||
| Average total assets | $84,425,200 | 5,326 |
| Average earning assets | $74,605,600 | 5,388 |
| Average equity | $8,911,200 | 5,303 |
| Average total loans | $35,483,400 | 5,894 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7263% | 4,332 |
| Cost of funding earning assets | 0.7646% | 5,370 |
| Net interest margin | 3.9617% | 3,096 |
| Noninterest income to average assets | -0.1995% | 7,265 |
| Noninterest expense to average assets | 3.9304% | 1,102 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.6299% | 6,716 |
| Return on assets (ROA) | -0.6896% | 6,783 |
| Pretax return on assets | -0.6896% | 6,728 |
| Return on Equity (ROE) | -6.5757% | 6,746 |
| Retained earnings to average equity (ytd only) | -6.5757% | 6,676 |
| Net charge-offs to loans | 0.3388% | 3,399 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -4.3588% | 6,085 |
| Efficiency ratio | 119.0861% | 315 |
| Assets per employee ($millions) | 2.5273% | 6,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1016% | 797 |
| Loan loss allowance to noncurrent loans | 205.9289% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 1.7266% | 3,507 |
| Noncurrent loans to loans | 1.5061% | 4,027 |
| Net loans and leases to total assets | 39.0326% | 6,709 |
| Net loans and leases to deposits | 44.0109% | 6,833 |
| Net loans and leases to core deposits | 44.1626% | 6,918 |
| Total domestic deposits to total assets | 88.6885% | 1,631 |
| Equity capital to assets | 11.0597% | 3,083 |
| Core capital (leverage) ratio | 9.9940% | 3,454 |
| Tier 1 risk-based capital ratio | 19.0886% | 1,904 |
| Total risk-based capital ratio | 20.3522% | 1,877 |
| Memoranda: | ||
| Average total assets | $84,874,750 | 5,359 |
| Average earning assets | $74,983,000 | 5,421 |
| Average equity | $8,901,250 | 5,337 |
| Average total loans | $36,201,250 | 5,910 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7848% | 4,155 |
| Cost of funding earning assets | 0.8453% | 5,099 |
| Net interest margin | 3.9395% | 3,125 |
| Noninterest income to average assets | -0.4662% | 7,424 |
| Noninterest expense to average assets | 3.9243% | 1,153 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.9184% | 6,917 |
| Return on assets (ROA) | -1.0074% | 6,952 |
| Pretax return on assets | -1.0074% | 6,894 |
| Return on Equity (ROE) | -9.7798% | 6,930 |
| Retained earnings to average equity (ytd only) | -9.7798% | 6,868 |
| Net charge-offs to loans | 0.5935% | 2,336 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -3.5636% | 5,773 |
| Efficiency ratio | 130.5534% | 253 |
| Assets per employee ($millions) | 2.6848% | 6,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9209% | 962 |
| Loan loss allowance to noncurrent loans | 182.5312% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 1.7564% | 3,565 |
| Noncurrent loans to loans | 1.6002% | 3,997 |
| Net loans and leases to total assets | 39.6150% | 6,773 |
| Net loans and leases to deposits | 44.3290% | 6,912 |
| Net loans and leases to core deposits | 44.6635% | 6,989 |
| Total domestic deposits to total assets | 89.3659% | 1,321 |
| Equity capital to assets | 10.4235% | 3,613 |
| Core capital (leverage) ratio | 9.7839% | 3,542 |
| Tier 1 risk-based capital ratio | 17.9460% | 2,193 |
| Total risk-based capital ratio | 19.2197% | 2,134 |
| Memoranda: | ||
| Average total assets | $85,365,670 | 5,384 |
| Average earning assets | $75,238,330 | 5,455 |
| Average equity | $8,793,670 | 5,385 |
| Average total loans | $37,069,670 | 5,932 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8655% | 3,744 |
| Cost of funding earning assets | 0.8827% | 5,046 |
| Net interest margin | 3.9828% | 2,758 |
| Noninterest income to average assets | 0.3761% | 4,906 |
| Noninterest expense to average assets | 3.7653% | 1,410 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0893% | 6,124 |
| Return on assets (ROA) | -0.0893% | 6,468 |
| Pretax return on assets | -0.0893% | 6,438 |
| Return on Equity (ROE) | -0.8723% | 6,469 |
| Retained earnings to average equity (ytd only) | -0.8723% | 5,957 |
| Net charge-offs to loans | 0.5673% | 2,065 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.3519% | 4,350 |
| Efficiency ratio | 97.6829% | 852 |
| Assets per employee ($millions) | 2.5066% | 6,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9856% | 930 |
| Loan loss allowance to noncurrent loans | 244.3439% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 2.1144% | 3,169 |
| Noncurrent loans to loans | 1.2219% | 4,639 |
| Net loans and leases to total assets | 41.1781% | 6,695 |
| Net loans and leases to deposits | 45.9954% | 6,851 |
| Net loans and leases to core deposits | 46.5734% | 6,949 |
| Total domestic deposits to total assets | 89.5265% | 1,470 |
| Equity capital to assets | 10.3057% | 3,403 |
| Core capital (leverage) ratio | 10.2635% | 2,848 |
| Tier 1 risk-based capital ratio | 18.8712% | 1,837 |
| Total risk-based capital ratio | 20.1337% | 1,798 |
| Memoranda: | ||
| Average total assets | $85,092,500 | 5,442 |
| Average earning assets | $74,319,500 | 5,531 |
| Average equity | $8,713,000 | 5,404 |
| Average total loans | $38,075,500 | 5,933 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3916% | 2,708 |
| Cost of funding earning assets | 1.1642% | 4,771 |
| Net interest margin | 4.2274% | 2,071 |
| Noninterest income to average assets | 0.4006% | 4,907 |
| Noninterest expense to average assets | 4.1212% | 1,004 |
| Loan and lease loss provision to assets | 0.6680% | 2,473 |
| Net operating income to assets | -0.6738% | 6,493 |
| Return on assets (ROA) | -0.6610% | 6,527 |
| Pretax return on assets | -0.6610% | 6,435 |
| Return on Equity (ROE) | -6.0957% | 6,504 |
| Retained earnings to average equity (ytd only) | -6.0957% | 6,393 |
| Net charge-offs to loans | 1.1993% | 1,865 |
| Credit loss provision to net charge-offs | 107.3171% | 4,140 |
| Earnings coverage of net charge-offs (x) | -0.0094% | 6,138 |
| Efficiency ratio | 100.1419% | 767 |
| Assets per employee ($millions) | 2.4988% | 7,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8366% | 1,014 |
| Loan loss allowance to noncurrent loans | 197.5610% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 2.5718% | 2,709 |
| Noncurrent loans to loans | 1.4358% | 4,333 |
| Net loans and leases to total assets | 45.7192% | 6,582 |
| Net loans and leases to deposits | 50.9697% | 6,806 |
| Net loans and leases to core deposits | 51.6090% | 6,921 |
| Total domestic deposits to total assets | 89.6987% | 1,272 |
| Equity capital to assets | 10.1730% | 3,528 |
| Core capital (leverage) ratio | 10.1854% | 2,881 |
| Tier 1 risk-based capital ratio | 12.2731% | 5,234 |
| Total risk-based capital ratio | 13.5276% | 5,188 |
| Memoranda: | ||
| Average total assets | $85,630,800 | 5,420 |
| Average earning assets | $75,246,600 | 5,501 |
| Average equity | $9,285,200 | 5,331 |
| Average total loans | $44,441,600 | 5,729 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3895% | 2,932 |
| Cost of funding earning assets | 1.2190% | 4,749 |
| Net interest margin | 4.1704% | 2,332 |
| Noninterest income to average assets | 0.5330% | 3,927 |
| Noninterest expense to average assets | 3.9798% | 1,067 |
| Loan and lease loss provision to assets | 0.8267% | 1,833 |
| Net operating income to assets | -0.5998% | 6,661 |
| Return on assets (ROA) | -0.5827% | 6,702 |
| Pretax return on assets | -0.5827% | 6,606 |
| Return on Equity (ROE) | -5.2933% | 6,669 |
| Retained earnings to average equity (ytd only) | -5.2933% | 6,578 |
| Net charge-offs to loans | 1.4194% | 1,434 |
| Credit loss provision to net charge-offs | 109.6907% | 3,867 |
| Earnings coverage of net charge-offs (x) | 0.3010% | 5,728 |
| Efficiency ratio | 94.6066% | 969 |
| Assets per employee ($millions) | 2.6173% | 6,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6710% | 1,118 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 2.5669% | 2,805 |
| Noncurrent loans to loans | 1.3355% | 4,625 |
| Net loans and leases to total assets | 48.1799% | 6,502 |
| Net loans and leases to deposits | 54.3158% | 6,748 |
| Net loans and leases to core deposits | 55.2747% | 6,898 |
| Total domestic deposits to total assets | 88.7033% | 1,560 |
| Equity capital to assets | 11.0814% | 2,874 |
| Core capital (leverage) ratio | 10.2245% | 3,014 |
| Tier 1 risk-based capital ratio | 12.4761% | 5,006 |
| Total risk-based capital ratio | 13.7383% | 4,971 |
| Memoranda: | ||
| Average total assets | $85,798,500 | 5,474 |
| Average earning assets | $75,577,750 | 5,557 |
| Average equity | $9,445,750 | 5,364 |
| Average total loans | $45,557,750 | 5,761 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4041% | 2,961 |
| Cost of funding earning assets | 1.2270% | 4,970 |
| Net interest margin | 4.1771% | 2,238 |
| Noninterest income to average assets | 0.5560% | 3,659 |
| Noninterest expense to average assets | 3.8548% | 1,257 |
| Loan and lease loss provision to assets | 1.0420% | 1,395 |
| Net operating income to assets | -0.6425% | 6,770 |
| Return on assets (ROA) | -0.6425% | 6,797 |
| Pretax return on assets | -0.6425% | 6,693 |
| Return on Equity (ROE) | -5.8486% | 6,763 |
| Retained earnings to average equity (ytd only) | -5.8486% | 6,642 |
| Net charge-offs to loans | 2.1767% | 824 |
| Credit loss provision to net charge-offs | 88.1423% | 4,478 |
| Earnings coverage of net charge-offs (x) | 0.3379% | 5,384 |
| Efficiency ratio | 90.6096% | 1,287 |
| Assets per employee ($millions) | 2.7898% | 6,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3661% | 1,482 |
| Loan loss allowance to noncurrent loans | 245.8432% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 2.3368% | 3,093 |
| Noncurrent loans to loans | 0.9624% | 5,380 |
| Net loans and leases to total assets | 49.3825% | 6,504 |
| Net loans and leases to deposits | 55.5949% | 6,759 |
| Net loans and leases to core deposits | 56.3847% | 6,920 |
| Total domestic deposits to total assets | 88.8257% | 1,535 |
| Equity capital to assets | 10.9627% | 2,901 |
| Core capital (leverage) ratio | 10.3535% | 2,770 |
| Tier 1 risk-based capital ratio | 12.3353% | 5,010 |
| Total risk-based capital ratio | 13.5844% | 4,986 |
| Memoranda: | ||
| Average total assets | $85,608,000 | 5,517 |
| Average earning assets | $75,795,000 | 5,584 |
| Average equity | $9,404,000 | 5,376 |
| Average total loans | $46,492,000 | 5,739 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5939% | 2,174 |
| Cost of funding earning assets | 1.2354% | 5,203 |
| Net interest margin | 4.3585% | 1,513 |
| Noninterest income to average assets | 0.5260% | 3,851 |
| Noninterest expense to average assets | 3.8887% | 1,188 |
| Loan and lease loss provision to assets | 1.8128% | 622 |
| Net operating income to assets | -1.3150% | 7,256 |
| Return on assets (ROA) | -1.3150% | 7,270 |
| Pretax return on assets | -1.3150% | 7,185 |
| Return on Equity (ROE) | -11.9588% | 7,211 |
| Retained earnings to average equity (ytd only) | -11.9588% | 7,064 |
| Net charge-offs to loans | 1.1532% | 1,459 |
| Credit loss provision to net charge-offs | 279.7101% | 1,420 |
| Earnings coverage of net charge-offs (x) | 0.7681% | 4,346 |
| Efficiency ratio | 88.6510% | 1,531 |
| Assets per employee ($millions) | 2.5868% | 7,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8384% | 943 |
| Loan loss allowance to noncurrent loans | 82.2018% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 2.8619% | 2,525 |
| Noncurrent loans to loans | 3.4529% | 2,309 |
| Net loans and leases to total assets | 53.8951% | 6,036 |
| Net loans and leases to deposits | 60.5698% | 6,407 |
| Net loans and leases to core deposits | 61.4360% | 6,644 |
| Total domestic deposits to total assets | 88.9801% | 1,531 |
| Equity capital to assets | 10.8418% | 2,909 |
| Core capital (leverage) ratio | 10.4928% | 2,628 |
| Tier 1 risk-based capital ratio | 16.1225% | 2,607 |
| Total risk-based capital ratio | 17.3872% | 2,553 |
| Memoranda: | ||
| Average total assets | $85,170,000 | 5,596 |
| Average earning assets | $75,439,000 | 5,651 |
| Average equity | $9,365,500 | 5,432 |
| Average total loans | $47,866,500 | 5,765 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7932% | 2,686 |
| Cost of funding earning assets | 1.6933% | 4,548 |
| Net interest margin | 4.0999% | 2,447 |
| Noninterest income to average assets | 0.5509% | 4,017 |
| Noninterest expense to average assets | 3.5199% | 2,330 |
| Loan and lease loss provision to assets | 1.0951% | 2,083 |
| Net operating income to assets | -0.3894% | 6,064 |
| Return on assets (ROA) | -0.2931% | 5,960 |
| Pretax return on assets | -0.2931% | 5,823 |
| Return on Equity (ROE) | -3.0783% | 5,995 |
| Retained earnings to average equity (ytd only) | -3.5430% | 5,802 |
| Net charge-offs to loans | 1.5196% | 1,649 |
| Credit loss provision to net charge-offs | 130.4348% | 3,907 |
| Earnings coverage of net charge-offs (x) | 0.8406% | 5,265 |
| Efficiency ratio | 83.2984% | 2,439 |
| Assets per employee ($millions) | 2.6555% | 6,938 |
| Cash dividends to net income (ytd only)* | -15.0943% | 7,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2632% | 1,543 |
| Loan loss allowance to noncurrent loans | 126.8830% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 1.8982% | 3,532 |
| Noncurrent loans to loans | 1.7837% | 3,966 |
| Net loans and leases to total assets | 55.6475% | 6,006 |
| Net loans and leases to deposits | 62.7490% | 6,388 |
| Net loans and leases to core deposits | 70.9099% | 6,713 |
| Total domestic deposits to total assets | 88.6827% | 1,635 |
| Equity capital to assets | 11.1514% | 2,579 |
| Core capital (leverage) ratio | 10.8594% | 2,310 |
| Tier 1 risk-based capital ratio | 16.3698% | 2,366 |
| Total risk-based capital ratio | 17.6279% | 2,314 |
| Memoranda: | ||
| Average total assets | $90,399,800 | 5,379 |
| Average earning assets | $81,025,800 | 5,424 |
| Average equity | $8,608,600 | 5,729 |
| Average total loans | $49,947,800 | 5,671 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8454% | 2,681 |
| Cost of funding earning assets | 1.8019% | 4,374 |
| Net interest margin | 4.0434% | 2,621 |
| Noninterest income to average assets | 0.5289% | 4,247 |
| Noninterest expense to average assets | 3.2564% | 3,093 |
| Loan and lease loss provision to assets | 1.3950% | 1,380 |
| Net operating income to assets | -0.4868% | 6,412 |
| Return on assets (ROA) | -0.4679% | 6,399 |
| Pretax return on assets | -0.4679% | 6,259 |
| Return on Equity (ROE) | -5.1160% | 6,468 |
| Retained earnings to average equity (ytd only) | -5.7515% | 6,359 |
| Net charge-offs to loans | 1.4832% | 1,383 |
| Credit loss provision to net charge-offs | 171.4286% | 2,712 |
| Earnings coverage of net charge-offs (x) | 1.1161% | 4,945 |
| Efficiency ratio | 78.1926% | 3,136 |
| Assets per employee ($millions) | 3.0938% | 5,923 |
| Cash dividends to net income (ytd only)* | -12.4220% | 7,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5839% | 981 |
| Loan loss allowance to noncurrent loans | 223.7168% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 1.4395% | 4,231 |
| Noncurrent loans to loans | 1.1550% | 5,011 |
| Net loans and leases to total assets | 55.0130% | 6,265 |
| Net loans and leases to deposits | 62.1114% | 6,665 |
| Net loans and leases to core deposits | 71.8854% | 6,852 |
| Total domestic deposits to total assets | 88.5714% | 1,400 |
| Equity capital to assets | 11.0753% | 2,950 |
| Core capital (leverage) ratio | 10.6032% | 2,710 |
| Tier 1 risk-based capital ratio | 16.1689% | 2,569 |
| Total risk-based capital ratio | 17.1984% | 2,582 |
| Memoranda: | ||
| Average total assets | $91,755,750 | 5,374 |
| Average earning assets | $82,502,250 | 5,411 |
| Average equity | $8,391,750 | 5,856 |
| Average total loans | $50,339,250 | 5,700 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8284% | 2,909 |
| Cost of funding earning assets | 1.9016% | 4,259 |
| Net interest margin | 3.9268% | 2,992 |
| Noninterest income to average assets | 0.4964% | 4,475 |
| Noninterest expense to average assets | 2.8973% | 4,512 |
| Loan and lease loss provision to assets | 1.5235% | 1,121 |
| Net operating income to assets | -0.3894% | 6,438 |
| Return on assets (ROA) | -0.3616% | 6,417 |
| Pretax return on assets | -0.3616% | 6,291 |
| Return on Equity (ROE) | -4.2298% | 6,509 |
| Retained earnings to average equity (ytd only) | -5.2309% | 6,341 |
| Net charge-offs to loans | 0.9919% | 1,773 |
| Credit loss provision to net charge-offs | 282.5397% | 1,659 |
| Earnings coverage of net charge-offs (x) | 2.1032% | 4,021 |
| Efficiency ratio | 71.8684% | 4,440 |
| Assets per employee ($millions) | 3.0377% | 6,032 |
| Cash dividends to net income (ytd only)* | -23.6686% | 7,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6132% | 813 |
| Loan loss allowance to noncurrent loans | 95.1833% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 1.6624% | 3,700 |
| Noncurrent loans to loans | 2.7455% | 2,623 |
| Net loans and leases to total assets | 54.1429% | 6,431 |
| Net loans and leases to deposits | 59.6720% | 6,914 |
| Net loans and leases to core deposits | 71.0157% | 6,967 |
| Total domestic deposits to total assets | 90.7342% | 542 |
| Equity capital to assets | 8.9092% | 5,440 |
| Core capital (leverage) ratio | 9.5418% | 3,823 |
| Tier 1 risk-based capital ratio | 14.6128% | 3,183 |
| Total risk-based capital ratio | 15.5264% | 3,300 |
| Memoranda: | ||
| Average total assets | $93,466,000 | 5,361 |
| Average earning assets | $84,140,330 | 5,407 |
| Average equity | $7,991,000 | 6,027 |
| Average total loans | $50,812,670 | 5,733 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7536% | 3,511 |
| Cost of funding earning assets | 2.0329% | 3,968 |
| Net interest margin | 3.7207% | 3,803 |
| Noninterest income to average assets | 0.4692% | 4,597 |
| Noninterest expense to average assets | 2.7474% | 4,794 |
| Loan and lease loss provision to assets | 0.3593% | 3,163 |
| Net operating income to assets | 0.7355% | 3,410 |
| Return on assets (ROA) | 0.7355% | 3,598 |
| Pretax return on assets | 0.7355% | 4,304 |
| Return on Equity (ROE) | 8.7801% | 2,805 |
| Retained earnings to average equity (ytd only) | 6.7617% | 2,305 |
| Net charge-offs to loans | 0.2908% | 2,949 |
| Credit loss provision to net charge-offs | 229.7297% | 1,991 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,402 |
| Efficiency ratio | 71.5072% | 4,268 |
| Assets per employee ($millions) | 2.9609% | 6,254 |
| Cash dividends to net income (ytd only)* | 22.9885% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8046% | 1,840 |
| Loan loss allowance to noncurrent loans | 62.9834% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 1.7268% | 3,327 |
| Noncurrent loans to loans | 2.8652% | 2,281 |
| Net loans and leases to total assets | 54.0648% | 6,459 |
| Net loans and leases to deposits | 59.8728% | 6,907 |
| Net loans and leases to core deposits | 71.3392% | 6,941 |
| Total domestic deposits to total assets | 90.2994% | 680 |
| Equity capital to assets | 9.1177% | 5,204 |
| Core capital (leverage) ratio | 9.8816% | 3,544 |
| Tier 1 risk-based capital ratio | 14.9903% | 3,072 |
| Total risk-based capital ratio | 16.2588% | 3,000 |
| Memoranda: | ||
| Average total assets | $94,633,500 | 5,349 |
| Average earning assets | $85,790,000 | 5,369 |
| Average equity | $7,927,000 | 6,084 |
| Average total loans | $50,886,500 | 5,764 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2861% | 4,042 |
| Cost of funding earning assets | 2.5894% | 3,727 |
| Net interest margin | 3.6967% | 4,486 |
| Noninterest income to average assets | 0.5426% | 4,293 |
| Noninterest expense to average assets | 2.4866% | 6,065 |
| Loan and lease loss provision to assets | 0.4948% | 2,841 |
| Net operating income to assets | 0.9034% | 2,984 |
| Return on assets (ROA) | 0.8961% | 2,856 |
| Pretax return on assets | 0.8961% | 3,739 |
| Return on Equity (ROE) | 11.0177% | 1,897 |
| Retained earnings to average equity (ytd only) | 7.5411% | 974 |
| Net charge-offs to loans | 0.2829% | 3,516 |
| Credit loss provision to net charge-offs | 355.2239% | 1,260 |
| Earnings coverage of net charge-offs (x) | 10.0373% | 2,584 |
| Efficiency ratio | 64.0086% | 5,559 |
| Assets per employee ($millions) | 3.0462% | 5,941 |
| Cash dividends to net income (ytd only)* | 31.5545% | 4,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6863% | 1,951 |
| Loan loss allowance to noncurrent loans | 74.1631% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 1.3121% | 3,600 |
| Noncurrent loans to loans | 2.2738% | 2,425 |
| Net loans and leases to total assets | 51.6747% | 6,876 |
| Net loans and leases to deposits | 56.1792% | 7,306 |
| Net loans and leases to core deposits | 66.2006% | 7,354 |
| Total domestic deposits to total assets | 91.9819% | 136 |
| Equity capital to assets | 7.6786% | 7,228 |
| Core capital (leverage) ratio | 9.3771% | 4,193 |
| Tier 1 risk-based capital ratio | 14.2618% | 3,418 |
| Total risk-based capital ratio | 15.5278% | 3,327 |
| Memoranda: | ||
| Average total assets | $96,196,600 | 5,165 |
| Average earning assets | $86,969,600 | 5,187 |
| Average equity | $7,823,800 | 6,164 |
| Average total loans | $47,360,800 | 5,808 |