Home > Suburban Bank & Trust Company > Performance and Condition Ratios
Suburban Bank & Trust Company, Performance and Condition Ratios
| 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 | 3.8426% | 3,908 |
| Cost of funding earning assets | 0.2630% | 4,800 |
| Net interest margin | 3.5796% | 3,167 |
| Noninterest income to average assets | 0.3967% | 4,096 |
| Noninterest expense to average assets | 3.0281% | 2,472 |
| Loan and lease loss provision to assets | 0.0417% | 3,277 |
| Net operating income to assets | 0.6703% | 4,030 |
| Return on assets (ROA) | 0.7120% | 3,956 |
| Pretax return on assets | 0.7120% | 4,618 |
| Return on Equity (ROE) | 8.4778% | 2,808 |
| Retained earnings to average equity (ytd only) | 8.4778% | 1,083 |
| Net charge-offs to loans | -0.0110% | 4,954 |
| Credit loss provision to net charge-offs | -625.0000% | 5,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9635% | 1,627 |
| Assets per employee ($millions) | 4.6691% | 2,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4913% | 488 |
| Loan loss allowance to noncurrent loans | 107.0615% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 2.1128% | 1,019 |
| Noncurrent loans to loans | 2.3270% | 1,007 |
| Net loans and leases to total assets | 58.1173% | 4,084 |
| Net loans and leases to deposits | 66.7566% | 4,257 |
| Net loans and leases to core deposits | 68.1704% | 4,479 |
| Total domestic deposits to total assets | 87.0585% | 2,138 |
| Equity capital to assets | 8.5776% | 5,616 |
| Core capital (leverage) ratio | 8.4830% | 5,549 |
| Tier 1 risk-based capital ratio | 13.0170% | 4,511 |
| Total risk-based capital ratio | 14.2792% | 4,422 |
| Memoranda: | ||
| Average total assets | $479,511,330 | 1,423 |
| Average earning assets | $447,869,330 | 1,400 |
| Average equity | $40,270,000 | 1,812 |
| Average total loans | $292,084,000 | 1,511 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8076% | 3,982 |
| Cost of funding earning assets | 0.2679% | 4,819 |
| Net interest margin | 3.5397% | 3,265 |
| Noninterest income to average assets | 0.3233% | 4,603 |
| Noninterest expense to average assets | 3.0584% | 2,404 |
| Loan and lease loss provision to assets | 0.3759% | 330 |
| Net operating income to assets | 0.1896% | 5,700 |
| Return on assets (ROA) | 0.2732% | 5,595 |
| Pretax return on assets | 0.2732% | 5,707 |
| Return on Equity (ROE) | 3.2881% | 5,259 |
| Retained earnings to average equity (ytd only) | 3.2881% | 4,013 |
| Net charge-offs to loans | 0.4070% | 597 |
| Credit loss provision to net charge-offs | 150.0000% | 1,240 |
| Earnings coverage of net charge-offs (x) | 2.2567% | 2,796 |
| Efficiency ratio | 84.3937% | 1,327 |
| Assets per employee ($millions) | 4.4728% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4495% | 568 |
| Loan loss allowance to noncurrent loans | 107.2657% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 2.3586% | 931 |
| Noncurrent loans to loans | 2.2836% | 1,091 |
| Net loans and leases to total assets | 58.6097% | 3,859 |
| Net loans and leases to deposits | 67.0212% | 4,048 |
| Net loans and leases to core deposits | 68.6076% | 4,277 |
| Total domestic deposits to total assets | 87.4494% | 2,141 |
| Equity capital to assets | 8.2483% | 5,906 |
| Core capital (leverage) ratio | 8.3171% | 5,709 |
| Tier 1 risk-based capital ratio | 12.4142% | 4,969 |
| Total risk-based capital ratio | 13.6762% | 4,871 |
| Memoranda: | ||
| Average total assets | $478,808,500 | 1,428 |
| Average earning assets | $446,477,500 | 1,410 |
| Average equity | $39,779,500 | 1,840 |
| Average total loans | $294,807,500 | 1,506 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0410% | 3,554 |
| Cost of funding earning assets | 0.3360% | 4,415 |
| Net interest margin | 3.7049% | 2,991 |
| Noninterest income to average assets | 0.4548% | 3,799 |
| Noninterest expense to average assets | 3.1114% | 2,480 |
| Loan and lease loss provision to assets | 0.6841% | 184 |
| Net operating income to assets | 0.0717% | 5,990 |
| Return on assets (ROA) | 0.0871% | 6,000 |
| Pretax return on assets | 0.0871% | 6,003 |
| Return on Equity (ROE) | 1.1239% | 5,952 |
| Retained earnings to average equity (ytd only) | 1.1239% | 5,270 |
| Net charge-offs to loans | 1.7684% | 125 |
| Credit loss provision to net charge-offs | 62.9771% | 3,236 |
| Earnings coverage of net charge-offs (x) | 0.6958% | 4,584 |
| Efficiency ratio | 80.4556% | 1,856 |
| Assets per employee ($millions) | 4.4770% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3677% | 650 |
| Loan loss allowance to noncurrent loans | 129.3500% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 2.9544% | 696 |
| Noncurrent loans to loans | 1.8305% | 1,559 |
| Net loans and leases to total assets | 61.6216% | 3,553 |
| Net loans and leases to deposits | 70.4024% | 3,852 |
| Net loans and leases to core deposits | 72.1305% | 4,107 |
| Total domestic deposits to total assets | 87.5278% | 2,017 |
| Equity capital to assets | 8.3700% | 5,848 |
| Core capital (leverage) ratio | 8.3568% | 5,717 |
| Tier 1 risk-based capital ratio | 12.2810% | 5,169 |
| Total risk-based capital ratio | 13.5425% | 5,078 |
| Memoranda: | ||
| Average total assets | $482,389,400 | 1,380 |
| Average earning assets | $444,297,800 | 1,374 |
| Average equity | $37,369,400 | 1,880 |
| Average total loans | $296,313,200 | 1,443 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 3,587 |
| Cost of funding earning assets | 0.3545% | 4,296 |
| Net interest margin | 3.6879% | 3,075 |
| Noninterest income to average assets | 0.4735% | 3,725 |
| Noninterest expense to average assets | 3.0944% | 2,488 |
| Loan and lease loss provision to assets | 0.8583% | 139 |
| Net operating income to assets | -0.0882% | 6,212 |
| Return on assets (ROA) | -0.0758% | 6,206 |
| Pretax return on assets | -0.0758% | 6,186 |
| Return on Equity (ROE) | -0.9979% | 6,225 |
| Retained earnings to average equity (ytd only) | -0.9979% | 5,965 |
| Net charge-offs to loans | 1.8279% | 119 |
| Credit loss provision to net charge-offs | 76.9515% | 2,654 |
| Earnings coverage of net charge-offs (x) | 0.6905% | 4,335 |
| Efficiency ratio | 80.0725% | 1,904 |
| Assets per employee ($millions) | 4.2826% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7309% | 476 |
| Loan loss allowance to noncurrent loans | 123.3712% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 3.1317% | 735 |
| Noncurrent loans to loans | 2.2136% | 1,369 |
| Net loans and leases to total assets | 60.7068% | 3,674 |
| Net loans and leases to deposits | 69.4190% | 3,980 |
| Net loans and leases to core deposits | 71.0076% | 4,244 |
| Total domestic deposits to total assets | 87.4497% | 2,062 |
| Equity capital to assets | 8.1162% | 6,066 |
| Core capital (leverage) ratio | 8.0127% | 6,061 |
| Tier 1 risk-based capital ratio | 12.1456% | 5,404 |
| Total risk-based capital ratio | 13.4110% | 5,309 |
| Memoranda: | ||
| Average total assets | $485,465,500 | 1,386 |
| Average earning assets | $446,382,000 | 1,386 |
| Average equity | $36,875,250 | 1,913 |
| Average total loans | $296,216,750 | 1,448 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0229% | 3,641 |
| Cost of funding earning assets | 0.3542% | 4,390 |
| Net interest margin | 3.6687% | 3,072 |
| Noninterest income to average assets | 0.3855% | 4,358 |
| Noninterest expense to average assets | 3.0918% | 2,533 |
| Loan and lease loss provision to assets | 1.0199% | 100 |
| Net operating income to assets | -0.3627% | 6,397 |
| Return on assets (ROA) | -0.3553% | 6,401 |
| Pretax return on assets | -0.3553% | 6,382 |
| Return on Equity (ROE) | -4.7828% | 6,429 |
| Retained earnings to average equity (ytd only) | -4.7828% | 6,224 |
| Net charge-offs to loans | 1.9532% | 117 |
| Credit loss provision to net charge-offs | 86.2069% | 2,240 |
| Earnings coverage of net charge-offs (x) | 0.5555% | 4,018 |
| Efficiency ratio | 82.4701% | 1,693 |
| Assets per employee ($millions) | 4.2744% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9142% | 425 |
| Loan loss allowance to noncurrent loans | 120.8380% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 3.3931% | 700 |
| Noncurrent loans to loans | 2.4117% | 1,307 |
| Net loans and leases to total assets | 58.0483% | 3,987 |
| Net loans and leases to deposits | 65.8028% | 4,287 |
| Net loans and leases to core deposits | 68.8504% | 4,383 |
| Total domestic deposits to total assets | 88.2156% | 1,778 |
| Equity capital to assets | 7.6785% | 6,303 |
| Core capital (leverage) ratio | 7.8271% | 6,196 |
| Tier 1 risk-based capital ratio | 11.9340% | 5,576 |
| Total risk-based capital ratio | 13.2013% | 5,496 |
| Memoranda: | ||
| Average total assets | $490,260,330 | 1,365 |
| Average earning assets | $449,479,000 | 1,372 |
| Average equity | $36,422,330 | 1,923 |
| Average total loans | $296,953,330 | 1,446 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0218% | 3,599 |
| Cost of funding earning assets | 0.3542% | 4,500 |
| Net interest margin | 3.6676% | 2,999 |
| Noninterest income to average assets | 0.2925% | 5,035 |
| Noninterest expense to average assets | 3.1372% | 2,412 |
| Loan and lease loss provision to assets | 0.8782% | 131 |
| Net operating income to assets | -0.3472% | 6,421 |
| Return on assets (ROA) | -0.3472% | 6,420 |
| Pretax return on assets | -0.3472% | 6,412 |
| Return on Equity (ROE) | -4.7537% | 6,457 |
| Retained earnings to average equity (ytd only) | -4.7537% | 6,104 |
| Net charge-offs to loans | 3.0032% | 63 |
| Credit loss provision to net charge-offs | 47.9697% | 2,227 |
| Earnings coverage of net charge-offs (x) | 0.2900% | 3,381 |
| Efficiency ratio | 85.5234% | 1,497 |
| Assets per employee ($millions) | 4.1575% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6600% | 668 |
| Loan loss allowance to noncurrent loans | 97.3172% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 3.6935% | 684 |
| Noncurrent loans to loans | 2.7334% | 1,232 |
| Net loans and leases to total assets | 58.1739% | 3,818 |
| Net loans and leases to deposits | 65.1290% | 4,188 |
| Net loans and leases to core deposits | 67.9374% | 4,320 |
| Total domestic deposits to total assets | 89.3210% | 1,462 |
| Equity capital to assets | 7.4425% | 6,330 |
| Core capital (leverage) ratio | 7.9347% | 6,156 |
| Tier 1 risk-based capital ratio | 12.0513% | 5,609 |
| Total risk-based capital ratio | 13.3158% | 5,532 |
| Memoranda: | ||
| Average total assets | $489,612,500 | 1,380 |
| Average earning assets | $450,643,500 | 1,368 |
| Average equity | $35,761,500 | 1,954 |
| Average total loans | $298,477,500 | 1,449 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1158% | 3,677 |
| Cost of funding earning assets | 0.4138% | 4,493 |
| Net interest margin | 3.7020% | 3,046 |
| Noninterest income to average assets | -0.0889% | 6,717 |
| Noninterest expense to average assets | 2.8828% | 3,424 |
| Loan and lease loss provision to assets | 1.0086% | 178 |
| Net operating income to assets | -0.5769% | 6,516 |
| Return on assets (ROA) | -0.4611% | 6,486 |
| Pretax return on assets | -0.4611% | 6,473 |
| Return on Equity (ROE) | -6.1294% | 6,511 |
| Retained earnings to average equity (ytd only) | -6.1294% | 6,420 |
| Net charge-offs to loans | 1.8765% | 211 |
| Credit loss provision to net charge-offs | 87.6761% | 2,829 |
| Earnings coverage of net charge-offs (x) | 0.3753% | 4,955 |
| Efficiency ratio | 86.9734% | 1,315 |
| Assets per employee ($millions) | 4.2490% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9513% | 499 |
| Loan loss allowance to noncurrent loans | 73.2734% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 4.2338% | 612 |
| Noncurrent loans to loans | 4.0278% | 721 |
| Net loans and leases to total assets | 60.3305% | 3,656 |
| Net loans and leases to deposits | 67.3180% | 4,142 |
| Net loans and leases to core deposits | 70.6055% | 4,232 |
| Total domestic deposits to total assets | 89.6201% | 1,260 |
| Equity capital to assets | 7.1650% | 6,409 |
| Core capital (leverage) ratio | 7.9358% | 6,178 |
| Tier 1 risk-based capital ratio | 11.9259% | 5,659 |
| Total risk-based capital ratio | 13.1940% | 5,593 |
| Memoranda: | ||
| Average total assets | $512,080,200 | 1,296 |
| Average earning assets | $470,775,000 | 1,293 |
| Average equity | $38,519,200 | 1,808 |
| Average total loans | $313,943,400 | 1,347 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9336% | 4,374 |
| Cost of funding earning assets | 0.4262% | 4,538 |
| Net interest margin | 3.5074% | 3,849 |
| Noninterest income to average assets | -0.2937% | 6,849 |
| Noninterest expense to average assets | 2.8857% | 3,358 |
| Loan and lease loss provision to assets | 0.9525% | 178 |
| Net operating income to assets | -0.9097% | 6,695 |
| Return on assets (ROA) | -0.7571% | 6,670 |
| Pretax return on assets | -0.7571% | 6,649 |
| Return on Equity (ROE) | -9.9533% | 6,690 |
| Retained earnings to average equity (ytd only) | -9.9533% | 6,636 |
| Net charge-offs to loans | 2.3457% | 141 |
| Credit loss provision to net charge-offs | 66.4511% | 3,151 |
| Earnings coverage of net charge-offs (x) | 0.0298% | 4,847 |
| Efficiency ratio | 98.5408% | 515 |
| Assets per employee ($millions) | 4.2679% | 3,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5828% | 850 |
| Loan loss allowance to noncurrent loans | 59.0593% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 4.5306% | 664 |
| Noncurrent loans to loans | 4.3733% | 759 |
| Net loans and leases to total assets | 59.5984% | 3,761 |
| Net loans and leases to deposits | 66.7668% | 4,206 |
| Net loans and leases to core deposits | 70.0512% | 4,320 |
| Total domestic deposits to total assets | 89.2636% | 1,427 |
| Equity capital to assets | 7.2352% | 6,484 |
| Core capital (leverage) ratio | 7.7840% | 6,334 |
| Tier 1 risk-based capital ratio | 11.7268% | 5,936 |
| Total risk-based capital ratio | 12.9906% | 5,885 |
| Memoranda: | ||
| Average total assets | $517,941,000 | 1,289 |
| Average earning assets | $475,825,000 | 1,290 |
| Average equity | $39,396,250 | 1,785 |
| Average total loans | $316,488,750 | 1,342 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9416% | 4,319 |
| Cost of funding earning assets | 0.4467% | 4,465 |
| Net interest margin | 3.4949% | 3,799 |
| Noninterest income to average assets | -0.5050% | 6,908 |
| Noninterest expense to average assets | 2.8887% | 3,364 |
| Loan and lease loss provision to assets | 0.5328% | 499 |
| Net operating income to assets | -0.7196% | 6,700 |
| Return on assets (ROA) | -0.4939% | 6,647 |
| Pretax return on assets | -0.4939% | 6,625 |
| Return on Equity (ROE) | -6.3959% | 6,671 |
| Retained earnings to average equity (ytd only) | -6.3959% | 6,539 |
| Net charge-offs to loans | 0.1078% | 3,280 |
| Credit loss provision to net charge-offs | 809.2486% | 377 |
| Earnings coverage of net charge-offs (x) | -2.8382% | 4,790 |
| Efficiency ratio | 106.9155% | 329 |
| Assets per employee ($millions) | 4.1449% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4909% | 375 |
| Loan loss allowance to noncurrent loans | 90.1643% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 4.5282% | 727 |
| Noncurrent loans to loans | 3.8717% | 1,030 |
| Net loans and leases to total assets | 59.6905% | 3,715 |
| Net loans and leases to deposits | 68.0227% | 4,011 |
| Net loans and leases to core deposits | 71.3668% | 4,127 |
| Total domestic deposits to total assets | 87.7508% | 2,414 |
| Equity capital to assets | 7.4649% | 6,455 |
| Core capital (leverage) ratio | 7.8250% | 6,289 |
| Tier 1 risk-based capital ratio | 11.9300% | 5,833 |
| Total risk-based capital ratio | 13.2045% | 5,768 |
| Memoranda: | ||
| Average total assets | $525,561,330 | 1,274 |
| Average earning assets | $482,240,000 | 1,276 |
| Average equity | $40,588,330 | 1,736 |
| Average total loans | $321,024,000 | 1,320 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8882% | 4,521 |
| Cost of funding earning assets | 0.4871% | 4,208 |
| Net interest margin | 3.4011% | 4,112 |
| Noninterest income to average assets | 0.3309% | 5,052 |
| Noninterest expense to average assets | 2.8795% | 3,425 |
| Loan and lease loss provision to assets | 0.4482% | 637 |
| Net operating income to assets | 0.1165% | 6,119 |
| Return on assets (ROA) | 0.3556% | 5,469 |
| Pretax return on assets | 0.3556% | 5,703 |
| Return on Equity (ROE) | 4.5324% | 4,823 |
| Retained earnings to average equity (ytd only) | 4.5324% | 3,514 |
| Net charge-offs to loans | 0.0517% | 3,313 |
| Credit loss provision to net charge-offs | 1,428.5714% | 228 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,283 |
| Efficiency ratio | 83.6044% | 1,820 |
| Assets per employee ($millions) | 4.4324% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1375% | 580 |
| Loan loss allowance to noncurrent loans | 84.7725% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 5.0263% | 730 |
| Noncurrent loans to loans | 3.7011% | 1,274 |
| Net loans and leases to total assets | 59.4882% | 3,519 |
| Net loans and leases to deposits | 68.5785% | 3,696 |
| Net loans and leases to core deposits | 71.8492% | 3,836 |
| Total domestic deposits to total assets | 86.7447% | 3,108 |
| Equity capital to assets | 7.8880% | 6,438 |
| Core capital (leverage) ratio | 7.9760% | 6,167 |
| Tier 1 risk-based capital ratio | 11.8320% | 6,012 |
| Total risk-based capital ratio | 13.1021% | 5,969 |
| Memoranda: | ||
| Average total assets | $535,504,500 | 1,263 |
| Average earning assets | $490,201,500 | 1,264 |
| Average equity | $42,008,500 | 1,702 |
| Average total loans | $325,157,000 | 1,310 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1311% | 4,837 |
| Cost of funding earning assets | 0.6736% | 3,701 |
| Net interest margin | 3.4574% | 4,675 |
| Noninterest income to average assets | 0.9937% | 1,553 |
| Noninterest expense to average assets | 2.9603% | 3,427 |
| Loan and lease loss provision to assets | 1.9050% | 122 |
| Net operating income to assets | -0.6974% | 6,646 |
| Return on assets (ROA) | -0.6654% | 6,668 |
| Pretax return on assets | -0.6654% | 6,642 |
| Return on Equity (ROE) | -8.2794% | 6,690 |
| Retained earnings to average equity (ytd only) | -8.2794% | 6,588 |
| Net charge-offs to loans | 4.2428% | 59 |
| Credit loss provision to net charge-offs | 70.9864% | 4,126 |
| Earnings coverage of net charge-offs (x) | 0.4500% | 5,264 |
| Efficiency ratio | 71.0250% | 3,621 |
| Assets per employee ($millions) | 4.4191% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9942% | 668 |
| Loan loss allowance to noncurrent loans | 80.4566% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 5.3455% | 708 |
| Noncurrent loans to loans | 3.7215% | 1,302 |
| Net loans and leases to total assets | 58.2362% | 3,932 |
| Net loans and leases to deposits | 68.9287% | 3,846 |
| Net loans and leases to core deposits | 72.5577% | 3,968 |
| Total domestic deposits to total assets | 84.4876% | 4,088 |
| Equity capital to assets | 7.8019% | 6,500 |
| Core capital (leverage) ratio | 7.8699% | 6,301 |
| Tier 1 risk-based capital ratio | 11.6495% | 5,998 |
| Total risk-based capital ratio | 12.9176% | 5,943 |
| Memoranda: | ||
| Average total assets | $553,802,600 | 1,211 |
| Average earning assets | $508,438,800 | 1,191 |
| Average equity | $44,508,000 | 1,563 |
| Average total loans | $350,284,800 | 1,196 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1375% | 5,050 |
| Cost of funding earning assets | 0.7020% | 3,753 |
| Net interest margin | 3.4355% | 4,900 |
| Noninterest income to average assets | 1.1686% | 1,115 |
| Noninterest expense to average assets | 2.9406% | 3,444 |
| Loan and lease loss provision to assets | 2.1645% | 96 |
| Net operating income to assets | -0.7785% | 6,801 |
| Return on assets (ROA) | -0.7362% | 6,817 |
| Pretax return on assets | -0.7362% | 6,791 |
| Return on Equity (ROE) | -9.0956% | 6,845 |
| Retained earnings to average equity (ytd only) | -9.0956% | 6,793 |
| Net charge-offs to loans | 4.6976% | 50 |
| Credit loss provision to net charge-offs | 71.9625% | 3,854 |
| Earnings coverage of net charge-offs (x) | 0.4608% | 5,089 |
| Efficiency ratio | 67.9657% | 4,075 |
| Assets per employee ($millions) | 4.2529% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1379% | 637 |
| Loan loss allowance to noncurrent loans | 63.2822% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 6.4732% | 587 |
| Noncurrent loans to loans | 4.9586% | 917 |
| Net loans and leases to total assets | 61.8238% | 3,416 |
| Net loans and leases to deposits | 73.4580% | 3,372 |
| Net loans and leases to core deposits | 77.6621% | 3,508 |
| Total domestic deposits to total assets | 84.1622% | 4,143 |
| Equity capital to assets | 8.1316% | 6,525 |
| Core capital (leverage) ratio | 7.8676% | 6,423 |
| Tier 1 risk-based capital ratio | 11.5098% | 6,222 |
| Total risk-based capital ratio | 12.7795% | 6,181 |
| Memoranda: | ||
| Average total assets | $557,472,000 | 1,209 |
| Average earning assets | $512,444,000 | 1,201 |
| Average equity | $45,119,500 | 1,558 |
| Average total loans | $356,941,750 | 1,171 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0797% | 5,391 |
| Cost of funding earning assets | 0.7145% | 3,904 |
| Net interest margin | 3.3652% | 5,217 |
| Noninterest income to average assets | 2.0790% | 380 |
| Noninterest expense to average assets | 2.9533% | 3,431 |
| Loan and lease loss provision to assets | 2.5385% | 85 |
| Net operating income to assets | -0.3115% | 6,626 |
| Return on assets (ROA) | -0.2492% | 6,640 |
| Pretax return on assets | -0.2492% | 6,613 |
| Return on Equity (ROE) | -3.0839% | 6,677 |
| Retained earnings to average equity (ytd only) | -3.0839% | 6,474 |
| Net charge-offs to loans | 2.2768% | 327 |
| Credit loss provision to net charge-offs | 173.9581% | 1,618 |
| Earnings coverage of net charge-offs (x) | 1.5261% | 4,228 |
| Efficiency ratio | 57.0100% | 5,999 |
| Assets per employee ($millions) | 4.2516% | 3,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8037% | 194 |
| Loan loss allowance to noncurrent loans | 52.8494% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 8.3088% | 406 |
| Noncurrent loans to loans | 9.0895% | 333 |
| Net loans and leases to total assets | 62.6615% | 3,293 |
| Net loans and leases to deposits | 74.1076% | 3,277 |
| Net loans and leases to core deposits | 80.8051% | 3,116 |
| Total domestic deposits to total assets | 84.5548% | 4,076 |
| Equity capital to assets | 8.3186% | 6,364 |
| Core capital (leverage) ratio | 8.1741% | 6,076 |
| Tier 1 risk-based capital ratio | 11.8344% | 6,038 |
| Total risk-based capital ratio | 13.1248% | 5,980 |
| Memoranda: | ||
| Average total assets | $568,926,330 | 1,181 |
| Average earning assets | $524,309,670 | 1,171 |
| Average equity | $45,980,330 | 1,517 |
| Average total loans | $364,628,000 | 1,152 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0191% | 5,700 |
| Cost of funding earning assets | 0.7369% | 3,971 |
| Net interest margin | 3.2822% | 5,526 |
| Noninterest income to average assets | 2.4381% | 309 |
| Noninterest expense to average assets | 2.9831% | 3,320 |
| Loan and lease loss provision to assets | 1.5769% | 218 |
| Net operating income to assets | 0.9043% | 2,896 |
| Return on assets (ROA) | 0.9043% | 3,118 |
| Pretax return on assets | 0.9043% | 4,013 |
| Return on Equity (ROE) | 11.3432% | 1,890 |
| Retained earnings to average equity (ytd only) | 11.3432% | 952 |
| Net charge-offs to loans | 1.0400% | 998 |
| Credit loss provision to net charge-offs | 239.5833% | 1,183 |
| Earnings coverage of net charge-offs (x) | 3.7698% | 2,756 |
| Efficiency ratio | 54.5922% | 6,282 |
| Assets per employee ($millions) | 4.1494% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2033% | 316 |
| Loan loss allowance to noncurrent loans | 42.2614% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 8.4801% | 436 |
| Noncurrent loans to loans | 9.9459% | 311 |
| Net loans and leases to total assets | 59.7682% | 3,720 |
| Net loans and leases to deposits | 69.5537% | 3,795 |
| Net loans and leases to core deposits | 75.4885% | 3,688 |
| Total domestic deposits to total assets | 85.9311% | 3,569 |
| Equity capital to assets | 8.0634% | 6,476 |
| Core capital (leverage) ratio | 8.0241% | 6,237 |
| Tier 1 risk-based capital ratio | 11.9545% | 5,987 |
| Total risk-based capital ratio | 13.2377% | 5,960 |
| Memoranda: | ||
| Average total assets | $583,416,000 | 1,152 |
| Average earning assets | $537,929,500 | 1,136 |
| Average equity | $46,512,500 | 1,499 |
| Average total loans | $369,236,000 | 1,141 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2524% | 5,909 |
| Cost of funding earning assets | 0.8588% | 4,404 |
| Net interest margin | 3.3937% | 5,500 |
| Noninterest income to average assets | 0.7124% | 2,535 |
| Noninterest expense to average assets | 2.9498% | 3,769 |
| Loan and lease loss provision to assets | 2.4761% | 182 |
| Net operating income to assets | -1.5533% | 6,918 |
| Return on assets (ROA) | -1.3589% | 6,891 |
| Pretax return on assets | -1.3681% | 6,860 |
| Return on Equity (ROE) | -17.3218% | 6,939 |
| Retained earnings to average equity (ytd only) | -17.3218% | 6,921 |
| Net charge-offs to loans | 3.2035% | 276 |
| Credit loss provision to net charge-offs | 112.9944% | 2,921 |
| Earnings coverage of net charge-offs (x) | 0.4160% | 5,508 |
| Efficiency ratio | 76.3908% | 2,832 |
| Assets per employee ($millions) | 4.2157% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7497% | 447 |
| Loan loss allowance to noncurrent loans | 37.3095% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 8.8604% | 414 |
| Noncurrent loans to loans | 10.0501% | 314 |
| Net loans and leases to total assets | 61.7847% | 3,645 |
| Net loans and leases to deposits | 71.9660% | 3,799 |
| Net loans and leases to core deposits | 78.3741% | 3,638 |
| Total domestic deposits to total assets | 85.8527% | 3,397 |
| Equity capital to assets | 7.8809% | 6,646 |
| Core capital (leverage) ratio | 7.7490% | 6,495 |
| Tier 1 risk-based capital ratio | 11.2768% | 6,305 |
| Total risk-based capital ratio | 12.5541% | 6,266 |
| Memoranda: | ||
| Average total assets | $597,704,000 | 1,100 |
| Average earning assets | $554,621,600 | 1,069 |
| Average equity | $46,888,800 | 1,452 |
| Average total loans | $408,863,600 | 1,033 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2656% | 6,043 |
| Cost of funding earning assets | 0.8831% | 4,521 |
| Net interest margin | 3.3825% | 5,628 |
| Noninterest income to average assets | 0.7166% | 2,497 |
| Noninterest expense to average assets | 2.9049% | 3,910 |
| Loan and lease loss provision to assets | 2.8807% | 119 |
| Net operating income to assets | -1.9102% | 7,122 |
| Return on assets (ROA) | -1.7158% | 7,098 |
| Pretax return on assets | -1.7280% | 7,066 |
| Return on Equity (ROE) | -21.8961% | 7,121 |
| Retained earnings to average equity (ytd only) | -21.8961% | 7,108 |
| Net charge-offs to loans | 2.6633% | 397 |
| Credit loss provision to net charge-offs | 155.8006% | 1,994 |
| Earnings coverage of net charge-offs (x) | 0.5173% | 5,241 |
| Efficiency ratio | 75.2310% | 2,972 |
| Assets per employee ($millions) | 4.1525% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3785% | 292 |
| Loan loss allowance to noncurrent loans | 40.6146% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 9.6950% | 381 |
| Noncurrent loans to loans | 10.7807% | 306 |
| Net loans and leases to total assets | 63.2474% | 3,466 |
| Net loans and leases to deposits | 73.6464% | 3,699 |
| Net loans and leases to core deposits | 80.7835% | 3,516 |
| Total domestic deposits to total assets | 85.8798% | 3,281 |
| Equity capital to assets | 7.8299% | 6,788 |
| Core capital (leverage) ratio | 7.7654% | 6,590 |
| Tier 1 risk-based capital ratio | 10.9732% | 6,554 |
| Total risk-based capital ratio | 12.2580% | 6,519 |
| Memoranda: | ||
| Average total assets | $601,687,500 | 1,095 |
| Average earning assets | $559,377,250 | 1,068 |
| Average equity | $47,148,750 | 1,447 |
| Average total loans | $417,717,500 | 1,009 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2450% | 6,175 |
| Cost of funding earning assets | 0.9052% | 4,618 |
| Net interest margin | 3.3398% | 5,740 |
| Noninterest income to average assets | 0.6055% | 3,096 |
| Noninterest expense to average assets | 2.8583% | 4,197 |
| Loan and lease loss provision to assets | 3.5415% | 105 |
| Net operating income to assets | -2.6751% | 7,282 |
| Return on assets (ROA) | -2.4237% | 7,260 |
| Pretax return on assets | -2.4237% | 7,238 |
| Return on Equity (ROE) | -30.9226% | 7,255 |
| Retained earnings to average equity (ytd only) | -30.9226% | 7,248 |
| Net charge-offs to loans | 2.9766% | 347 |
| Credit loss provision to net charge-offs | 168.8128% | 1,789 |
| Earnings coverage of net charge-offs (x) | 0.4130% | 4,992 |
| Efficiency ratio | 76.7380% | 2,897 |
| Assets per employee ($millions) | 4.5799% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1195% | 379 |
| Loan loss allowance to noncurrent loans | 32.1433% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 9.9016% | 398 |
| Noncurrent loans to loans | 12.8159% | 213 |
| Net loans and leases to total assets | 65.7237% | 3,083 |
| Net loans and leases to deposits | 75.9980% | 3,472 |
| Net loans and leases to core deposits | 83.9983% | 3,209 |
| Total domestic deposits to total assets | 86.4808% | 3,049 |
| Equity capital to assets | 7.3762% | 7,004 |
| Core capital (leverage) ratio | 7.3055% | 6,862 |
| Tier 1 risk-based capital ratio | 10.3396% | 6,849 |
| Total risk-based capital ratio | 11.6224% | 6,832 |
| Memoranda: | ||
| Average total assets | $607,080,330 | 1,090 |
| Average earning assets | $566,973,000 | 1,063 |
| Average equity | $47,583,330 | 1,424 |
| Average total loans | $427,864,670 | 1,005 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2405% | 6,172 |
| Cost of funding earning assets | 0.9181% | 4,792 |
| Net interest margin | 3.3224% | 5,700 |
| Noninterest income to average assets | 0.8062% | 2,005 |
| Noninterest expense to average assets | 2.8783% | 4,151 |
| Loan and lease loss provision to assets | 1.9505% | 282 |
| Net operating income to assets | -0.9167% | 7,015 |
| Return on assets (ROA) | -0.6274% | 6,884 |
| Pretax return on assets | -0.6274% | 6,830 |
| Return on Equity (ROE) | -7.7845% | 6,951 |
| Retained earnings to average equity (ytd only) | -7.7845% | 6,737 |
| Net charge-offs to loans | 2.0068% | 636 |
| Credit loss provision to net charge-offs | 136.1162% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.7214% | 4,095 |
| Efficiency ratio | 73.5749% | 3,599 |
| Assets per employee ($millions) | 4.6371% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0549% | 867 |
| Loan loss allowance to noncurrent loans | 24.1883% | 6,597 |
| Noncurrent assets plus other real estate owned to assets | 10.2669% | 390 |
| Noncurrent loans to loans | 12.6296% | 248 |
| Net loans and leases to total assets | 68.4206% | 2,472 |
| Net loans and leases to deposits | 79.6546% | 2,774 |
| Net loans and leases to core deposits | 87.9833% | 2,603 |
| Total domestic deposits to total assets | 85.8966% | 3,583 |
| Equity capital to assets | 8.0654% | 6,431 |
| Core capital (leverage) ratio | 8.2536% | 5,896 |
| Tier 1 risk-based capital ratio | 11.0458% | 6,480 |
| Total risk-based capital ratio | 12.3157% | 6,440 |
| Memoranda: | ||
| Average total assets | $615,218,500 | 1,083 |
| Average earning assets | $575,126,500 | 1,055 |
| Average equity | $49,585,500 | 1,347 |
| Average total loans | $439,306,500 | 993 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6345% | 6,005 |
| Cost of funding earning assets | 1.2831% | 3,995 |
| Net interest margin | 3.3514% | 5,785 |
| Noninterest income to average assets | 0.6172% | 3,362 |
| Noninterest expense to average assets | 2.8998% | 4,224 |
| Loan and lease loss provision to assets | 3.3848% | 243 |
| Net operating income to assets | -2.5319% | 7,187 |
| Return on assets (ROA) | -2.2707% | 7,147 |
| Pretax return on assets | -2.2788% | 7,110 |
| Return on Equity (ROE) | -26.5501% | 7,169 |
| Retained earnings to average equity (ytd only) | -26.5501% | 7,155 |
| Net charge-offs to loans | 4.2188% | 280 |
| Credit loss provision to net charge-offs | 111.7127% | 3,921 |
| Earnings coverage of net charge-offs (x) | 0.2788% | 5,828 |
| Efficiency ratio | 77.4408% | 2,801 |
| Assets per employee ($millions) | 4.5143% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7342% | 1,135 |
| Loan loss allowance to noncurrent loans | 23.8147% | 6,662 |
| Noncurrent assets plus other real estate owned to assets | 8.8550% | 517 |
| Noncurrent loans to loans | 11.4813% | 322 |
| Net loans and leases to total assets | 70.2413% | 2,485 |
| Net loans and leases to deposits | 83.4703% | 2,536 |
| Net loans and leases to core deposits | 93.3810% | 2,332 |
| Total domestic deposits to total assets | 84.1512% | 4,297 |
| Equity capital to assets | 8.0544% | 6,436 |
| Core capital (leverage) ratio | 8.1093% | 5,997 |
| Tier 1 risk-based capital ratio | 10.7724% | 6,510 |
| Total risk-based capital ratio | 12.0386% | 6,464 |
| Memoranda: | ||
| Average total assets | $653,451,200 | 1,020 |
| Average earning assets | $609,779,200 | 995 |
| Average equity | $55,886,800 | 1,188 |
| Average total loans | $469,305,000 | 959 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7192% | 5,945 |
| Cost of funding earning assets | 1.3484% | 3,909 |
| Net interest margin | 3.3708% | 5,779 |
| Noninterest income to average assets | 1.0216% | 1,412 |
| Noninterest expense to average assets | 2.8686% | 4,212 |
| Loan and lease loss provision to assets | 3.1500% | 264 |
| Net operating income to assets | -1.8436% | 7,196 |
| Return on assets (ROA) | -1.5623% | 7,132 |
| Pretax return on assets | -1.5728% | 7,063 |
| Return on Equity (ROE) | -18.0195% | 7,182 |
| Retained earnings to average equity (ytd only) | -18.0195% | 7,163 |
| Net charge-offs to loans | 3.8023% | 335 |
| Credit loss provision to net charge-offs | 115.5007% | 3,612 |
| Earnings coverage of net charge-offs (x) | 0.4741% | 5,551 |
| Efficiency ratio | 68.9299% | 4,281 |
| Assets per employee ($millions) | 4.1693% | 3,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6079% | 1,197 |
| Loan loss allowance to noncurrent loans | 23.4981% | 6,734 |
| Noncurrent assets plus other real estate owned to assets | 9.5732% | 439 |
| Noncurrent loans to loans | 11.0984% | 344 |
| Net loans and leases to total assets | 71.1743% | 2,446 |
| Net loans and leases to deposits | 85.0566% | 2,510 |
| Net loans and leases to core deposits | 95.5704% | 2,311 |
| Total domestic deposits to total assets | 83.6787% | 4,281 |
| Equity capital to assets | 8.9606% | 5,634 |
| Core capital (leverage) ratio | 8.6313% | 5,295 |
| Tier 1 risk-based capital ratio | 11.2424% | 6,142 |
| Total risk-based capital ratio | 12.5068% | 6,130 |
| Memoranda: | ||
| Average total assets | $661,069,000 | 1,016 |
| Average earning assets | $615,823,250 | 990 |
| Average equity | $57,314,250 | 1,161 |
| Average total loans | $474,158,750 | 955 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7731% | 5,884 |
| Cost of funding earning assets | 1.3989% | 3,878 |
| Net interest margin | 3.3742% | 5,742 |
| Noninterest income to average assets | 1.0907% | 1,124 |
| Noninterest expense to average assets | 2.8553% | 4,244 |
| Loan and lease loss provision to assets | 4.2132% | 173 |
| Net operating income to assets | -2.8104% | 7,480 |
| Return on assets (ROA) | -2.4680% | 7,419 |
| Pretax return on assets | -2.4835% | 7,362 |
| Return on Equity (ROE) | -28.7701% | 7,420 |
| Retained earnings to average equity (ytd only) | -28.7701% | 7,405 |
| Net charge-offs to loans | 4.6095% | 246 |
| Credit loss provision to net charge-offs | 128.1940% | 3,140 |
| Earnings coverage of net charge-offs (x) | 0.4210% | 5,301 |
| Efficiency ratio | 67.3566% | 4,701 |
| Assets per employee ($millions) | 4.1204% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7857% | 1,009 |
| Loan loss allowance to noncurrent loans | 30.2499% | 6,352 |
| Noncurrent assets plus other real estate owned to assets | 7.9489% | 620 |
| Noncurrent loans to loans | 9.2089% | 510 |
| Net loans and leases to total assets | 68.8453% | 3,160 |
| Net loans and leases to deposits | 81.4478% | 3,351 |
| Net loans and leases to core deposits | 91.4424% | 3,069 |
| Total domestic deposits to total assets | 84.5269% | 3,854 |
| Equity capital to assets | 8.3483% | 6,360 |
| Core capital (leverage) ratio | 8.1396% | 6,050 |
| Tier 1 risk-based capital ratio | 10.8746% | 6,378 |
| Total risk-based capital ratio | 12.1406% | 6,346 |
| Memoranda: | ||
| Average total assets | $670,182,330 | 1,009 |
| Average earning assets | $625,339,000 | 981 |
| Average equity | $57,490,330 | 1,149 |
| Average total loans | $477,835,000 | 960 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6507% | 1,960 |
| Cost of funding earning assets | 1.4217% | 4,038 |
| Net interest margin | 4.2289% | 1,936 |
| Noninterest income to average assets | 0.7886% | 2,077 |
| Noninterest expense to average assets | 2.8540% | 4,255 |
| Loan and lease loss provision to assets | 1.7815% | 638 |
| Net operating income to assets | 0.1063% | 6,008 |
| Return on assets (ROA) | 0.3076% | 5,400 |
| Pretax return on assets | 0.3076% | 5,578 |
| Return on Equity (ROE) | 3.5392% | 5,094 |
| Retained earnings to average equity (ytd only) | 3.5392% | 4,025 |
| Net charge-offs to loans | 2.2887% | 741 |
| Credit loss provision to net charge-offs | 108.8139% | 3,162 |
| Earnings coverage of net charge-offs (x) | 1.1531% | 4,074 |
| Efficiency ratio | 60.1879% | 6,131 |
| Assets per employee ($millions) | 4.0986% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1173% | 1,918 |
| Loan loss allowance to noncurrent loans | 31.1424% | 6,335 |
| Noncurrent assets plus other real estate owned to assets | 5.7674% | 1,054 |
| Noncurrent loans to loans | 6.7988% | 891 |
| Net loans and leases to total assets | 69.0611% | 3,143 |
| Net loans and leases to deposits | 82.1224% | 3,264 |
| Net loans and leases to core deposits | 98.0887% | 2,333 |
| Total domestic deposits to total assets | 84.0953% | 4,103 |
| Equity capital to assets | 8.8244% | 5,502 |
| Core capital (leverage) ratio | 9.0038% | 4,562 |
| Tier 1 risk-based capital ratio | 11.0442% | 6,118 |
| Total risk-based capital ratio | 12.3018% | 6,082 |
| Memoranda: | ||
| Average total assets | $673,581,500 | 1,022 |
| Average earning assets | $629,660,000 | 994 |
| Average equity | $58,545,000 | 1,137 |
| Average total loans | $481,854,500 | 978 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2359% | 5,483 |
| Cost of funding earning assets | 1.7346% | 4,339 |
| Net interest margin | 3.5013% | 4,951 |
| Noninterest income to average assets | 0.7650% | 2,587 |
| Noninterest expense to average assets | 6.3898% | 262 |
| Loan and lease loss provision to assets | 1.7147% | 1,331 |
| Net operating income to assets | -4.1467% | 7,629 |
| Return on assets (ROA) | -4.0132% | 7,603 |
| Pretax return on assets | -3.9965% | 7,524 |
| Return on Equity (ROE) | -36.1521% | 7,506 |
| Retained earnings to average equity (ytd only) | -37.2638% | 7,516 |
| Net charge-offs to loans | 1.9896% | 1,236 |
| Credit loss provision to net charge-offs | 115.6730% | 4,708 |
| Earnings coverage of net charge-offs (x) | -1.6293% | 6,974 |
| Efficiency ratio | 72.9436% | 4,107 |
| Assets per employee ($millions) | 3.8982% | 4,026 |
| Cash dividends to net income (ytd only)* | -3.0751% | 7,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0762% | 1,864 |
| Loan loss allowance to noncurrent loans | 26.2760% | 6,719 |
| Noncurrent assets plus other real estate owned to assets | 6.0625% | 930 |
| Noncurrent loans to loans | 7.9015% | 645 |
| Net loans and leases to total assets | 71.0433% | 2,991 |
| Net loans and leases to deposits | 84.7002% | 3,141 |
| Net loans and leases to core deposits | 114.1944% | 2,482 |
| Total domestic deposits to total assets | 83.8762% | 4,085 |
| Equity capital to assets | 8.5544% | 5,805 |
| Core capital (leverage) ratio | 8.2192% | 5,779 |
| Tier 1 risk-based capital ratio | 10.8949% | 6,014 |
| Total risk-based capital ratio | 12.1530% | 5,986 |
| Memoranda: | ||
| Average total assets | $676,609,400 | 1,018 |
| Average earning assets | $620,218,400 | 1,005 |
| Average equity | $75,110,400 | 856 |
| Average total loans | $504,122,800 | 949 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3413% | 5,217 |
| Cost of funding earning assets | 1.8024% | 4,372 |
| Net interest margin | 3.5390% | 4,704 |
| Noninterest income to average assets | 0.7424% | 2,750 |
| Noninterest expense to average assets | 2.8121% | 4,841 |
| Loan and lease loss provision to assets | 0.9610% | 2,001 |
| Net operating income to assets | 0.1888% | 5,196 |
| Return on assets (ROA) | 0.3525% | 4,683 |
| Pretax return on assets | 0.3609% | 4,904 |
| Return on Equity (ROE) | 3.0073% | 4,791 |
| Retained earnings to average equity (ytd only) | 1.6107% | 4,413 |
| Net charge-offs to loans | 0.8071% | 2,349 |
| Credit loss provision to net charge-offs | 158.7949% | 2,995 |
| Earnings coverage of net charge-offs (x) | 1.9083% | 4,379 |
| Efficiency ratio | 70.8871% | 4,445 |
| Assets per employee ($millions) | 4.0564% | 3,625 |
| Cash dividends to net income (ytd only)* | 46.4407% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0219% | 1,749 |
| Loan loss allowance to noncurrent loans | 38.4673% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 4.1093% | 1,539 |
| Noncurrent loans to loans | 5.2561% | 1,214 |
| Net loans and leases to total assets | 73.1445% | 2,753 |
| Net loans and leases to deposits | 91.9088% | 2,249 |
| Net loans and leases to core deposits | 126.3829% | 1,706 |
| Total domestic deposits to total assets | 79.5838% | 5,597 |
| Equity capital to assets | 12.7152% | 1,823 |
| Core capital (leverage) ratio | 9.5224% | 3,880 |
| Tier 1 risk-based capital ratio | 11.2599% | 5,677 |
| Total risk-based capital ratio | 12.5169% | 5,616 |
| Memoranda: | ||
| Average total assets | $680,087,500 | 1,020 |
| Average earning assets | $619,678,000 | 1,023 |
| Average equity | $79,715,500 | 824 |
| Average total loans | $509,957,500 | 950 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3393% | 5,451 |
| Cost of funding earning assets | 1.8670% | 4,436 |
| Net interest margin | 3.4723% | 4,928 |
| Noninterest income to average assets | 0.7248% | 2,844 |
| Noninterest expense to average assets | 2.8430% | 4,766 |
| Loan and lease loss provision to assets | 1.1460% | 1,497 |
| Net operating income to assets | -0.0934% | 5,993 |
| Return on assets (ROA) | 0.1369% | 5,555 |
| Pretax return on assets | 0.1451% | 5,577 |
| Return on Equity (ROE) | 1.2014% | 5,570 |
| Retained earnings to average equity (ytd only) | -0.9513% | 5,467 |
| Net charge-offs to loans | 1.1295% | 1,611 |
| Credit loss provision to net charge-offs | 135.1108% | 3,449 |
| Earnings coverage of net charge-offs (x) | 1.2334% | 4,611 |
| Efficiency ratio | 73.1007% | 4,176 |
| Assets per employee ($millions) | 4.0151% | 3,642 |
| Cash dividends to net income (ytd only)* | 179.1845% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8532% | 1,901 |
| Loan loss allowance to noncurrent loans | 35.5151% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 4.0148% | 1,474 |
| Noncurrent loans to loans | 5.2181% | 1,147 |
| Net loans and leases to total assets | 73.1288% | 2,927 |
| Net loans and leases to deposits | 91.2839% | 2,606 |
| Net loans and leases to core deposits | 124.6876% | 1,963 |
| Total domestic deposits to total assets | 80.1114% | 5,435 |
| Equity capital to assets | 12.2155% | 2,078 |
| Core capital (leverage) ratio | 9.3469% | 4,105 |
| Tier 1 risk-based capital ratio | 11.0381% | 5,840 |
| Total risk-based capital ratio | 12.2937% | 5,750 |
| Memoranda: | ||
| Average total assets | $680,977,670 | 1,034 |
| Average earning assets | $620,571,000 | 1,039 |
| Average equity | $77,575,670 | 854 |
| Average total loans | $511,370,670 | 977 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3918% | 5,470 |
| Cost of funding earning assets | 1.9120% | 4,568 |
| Net interest margin | 3.4799% | 4,804 |
| Noninterest income to average assets | 0.7357% | 2,679 |
| Noninterest expense to average assets | 2.9139% | 4,113 |
| Loan and lease loss provision to assets | 0.6481% | 1,953 |
| Net operating income to assets | 0.3398% | 5,116 |
| Return on assets (ROA) | 0.6833% | 3,823 |
| Pretax return on assets | 0.6910% | 4,463 |
| Return on Equity (ROE) | 6.2244% | 3,944 |
| Retained earnings to average equity (ytd only) | 3.3586% | 4,013 |
| Net charge-offs to loans | 1.7536% | 827 |
| Credit loss provision to net charge-offs | 49.0214% | 4,701 |
| Earnings coverage of net charge-offs (x) | 0.7504% | 4,423 |
| Efficiency ratio | 74.6010% | 3,716 |
| Assets per employee ($millions) | 3.7666% | 4,183 |
| Cash dividends to net income (ytd only)* | 46.0413% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4236% | 3,369 |
| Loan loss allowance to noncurrent loans | 45.8528% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 2.4796% | 2,315 |
| Noncurrent loans to loans | 3.1047% | 2,083 |
| Net loans and leases to total assets | 74.6045% | 2,597 |
| Net loans and leases to deposits | 92.9394% | 2,445 |
| Net loans and leases to core deposits | 127.5155% | 1,821 |
| Total domestic deposits to total assets | 80.2722% | 5,251 |
| Equity capital to assets | 11.1594% | 2,844 |
| Core capital (leverage) ratio | 7.9177% | 6,591 |
| Tier 1 risk-based capital ratio | 9.3305% | 7,560 |
| Total risk-based capital ratio | 10.5812% | 7,536 |
| Memoranda: | ||
| Average total assets | $680,183,000 | 1,032 |
| Average earning assets | $619,676,500 | 1,035 |
| Average equity | $74,674,000 | 894 |
| Average total loans | $512,767,000 | 975 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0457% | 5,320 |
| Cost of funding earning assets | 2.4798% | 4,320 |
| Net interest margin | 3.5659% | 5,033 |
| Noninterest income to average assets | 1.2607% | 924 |
| Noninterest expense to average assets | 3.0730% | 3,809 |
| Loan and lease loss provision to assets | 1.0645% | 1,368 |
| Net operating income to assets | 0.3251% | 5,465 |
| Return on assets (ROA) | 0.3455% | 5,188 |
| Pretax return on assets | 0.3592% | 5,361 |
| Return on Equity (ROE) | 3.0762% | 5,208 |
| Retained earnings to average equity (ytd only) | -2.1559% | 5,915 |
| Net charge-offs to loans | 0.6849% | 1,792 |
| Credit loss provision to net charge-offs | 216.1567% | 2,228 |
| Earnings coverage of net charge-offs (x) | 2.8479% | 4,651 |
| Efficiency ratio | 68.6633% | 4,598 |
| Assets per employee ($millions) | 3.7700% | 4,025 |
| Cash dividends to net income (ytd only)* | 170.0829% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6322% | 2,122 |
| Loan loss allowance to noncurrent loans | 66.2570% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 2.0860% | 2,361 |
| Noncurrent loans to loans | 2.4634% | 2,218 |
| Net loans and leases to total assets | 73.8708% | 3,135 |
| Net loans and leases to deposits | 94.6150% | 2,673 |
| Net loans and leases to core deposits | 132.3965% | 1,697 |
| Total domestic deposits to total assets | 78.0752% | 5,690 |
| Equity capital to assets | 10.8008% | 3,204 |
| Core capital (leverage) ratio | 7.7017% | 6,926 |
| Tier 1 risk-based capital ratio | 8.9927% | 7,784 |
| Total risk-based capital ratio | 10.2456% | 7,785 |
| Memoranda: | ||
| Average total assets | $663,610,000 | 1,009 |
| Average earning assets | $598,280,800 | 1,020 |
| Average equity | $74,540,600 | 890 |
| Average total loans | $477,173,000 | 1,012 |