Home > Summit Community Bank > Performance and Condition Ratios
Summit Community Bank, Performance and Condition Ratios
| 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 | 5.3499% | 490 |
| Cost of funding earning assets | 0.5267% | 3,502 |
| Net interest margin | 4.8232% | 409 |
| Noninterest income to average assets | 0.6755% | 2,748 |
| Noninterest expense to average assets | 2.6322% | 4,270 |
| Loan and lease loss provision to assets | 0.1906% | 1,922 |
| Net operating income to assets | 2.2743% | 226 |
| Return on assets (ROA) | 2.2743% | 236 |
| Pretax return on assets | 2.2743% | 339 |
| Return on Equity (ROE) | 12.9320% | 1,255 |
| Retained earnings to average equity (ytd only) | 6.8272% | 1,959 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6410% | 6,282 |
| Assets per employee ($millions) | 6.0218% | 1,230 |
| Cash dividends to net income (ytd only)* | 47.2066% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0415% | 1,630 |
| Loan loss allowance to noncurrent loans | 127.7045% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 1.1443% | 3,368 |
| Noncurrent loans to loans | 1.5986% | 2,776 |
| Net loans and leases to total assets | 70.1223% | 1,943 |
| Net loans and leases to deposits | 89.6959% | 1,203 |
| Net loans and leases to core deposits | 94.2763% | 1,541 |
| Total domestic deposits to total assets | 78.1778% | 5,877 |
| Equity capital to assets | 17.0894% | 414 |
| Core capital (leverage) ratio | 17.2583% | 364 |
| Tier 1 risk-based capital ratio | 22.7664% | 1,185 |
| Total risk-based capital ratio | 24.0256% | 1,162 |
| Memoranda: | ||
| Average total assets | $62,962,750 | 5,740 |
| Average earning assets | $57,719,250 | 5,724 |
| Average equity | $11,073,000 | 4,673 |
| Average total loans | $45,611,500 | 5,178 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2569% | 574 |
| Cost of funding earning assets | 0.5376% | 3,520 |
| Net interest margin | 4.7193% | 490 |
| Noninterest income to average assets | 0.5237% | 3,679 |
| Noninterest expense to average assets | 2.6410% | 4,247 |
| Loan and lease loss provision to assets | 0.2909% | 1,250 |
| Net operating income to assets | 1.9331% | 395 |
| Return on assets (ROA) | 1.9331% | 427 |
| Pretax return on assets | 1.9331% | 692 |
| Return on Equity (ROE) | 10.8820% | 1,852 |
| Retained earnings to average equity (ytd only) | 1.6560% | 5,193 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2857% | 6,122 |
| Assets per employee ($millions) | 6.3134% | 1,000 |
| Cash dividends to net income (ytd only)* | 84.7826% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1191% | 1,588 |
| Loan loss allowance to noncurrent loans | 280.5797% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 4,892 |
| Noncurrent loans to loans | 0.7553% | 4,415 |
| Net loans and leases to total assets | 70.8208% | 1,745 |
| Net loans and leases to deposits | 91.0631% | 1,045 |
| Net loans and leases to core deposits | 95.9815% | 1,360 |
| Total domestic deposits to total assets | 77.7711% | 6,016 |
| Equity capital to assets | 17.3251% | 389 |
| Core capital (leverage) ratio | 17.3357% | 338 |
| Tier 1 risk-based capital ratio | 22.5956% | 1,196 |
| Total risk-based capital ratio | 23.8569% | 1,179 |
| Memoranda: | ||
| Average total assets | $61,870,330 | 5,808 |
| Average earning assets | $56,915,670 | 5,778 |
| Average equity | $10,990,670 | 4,723 |
| Average total loans | $45,009,670 | 5,223 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2415% | 565 |
| Cost of funding earning assets | 0.5551% | 3,520 |
| Net interest margin | 4.6864% | 483 |
| Noninterest income to average assets | 0.6728% | 2,740 |
| Noninterest expense to average assets | 2.5344% | 4,633 |
| Loan and lease loss provision to assets | 0.5879% | 436 |
| Net operating income to assets | 1.9073% | 398 |
| Return on assets (ROA) | 1.9073% | 434 |
| Pretax return on assets | 1.9073% | 722 |
| Return on Equity (ROE) | 10.6018% | 1,841 |
| Retained earnings to average equity (ytd only) | -7.8061% | 6,511 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3896% | 6,480 |
| Assets per employee ($millions) | 6.8788% | 822 |
| Cash dividends to net income (ytd only)* | 173.6301% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1880% | 1,609 |
| Loan loss allowance to noncurrent loans | 331.5068% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 5,202 |
| Noncurrent loans to loans | 0.6600% | 4,803 |
| Net loans and leases to total assets | 69.8978% | 1,679 |
| Net loans and leases to deposits | 90.3346% | 937 |
| Net loans and leases to core deposits | 97.3346% | 1,124 |
| Total domestic deposits to total assets | 77.3765% | 6,207 |
| Equity capital to assets | 17.6307% | 356 |
| Core capital (leverage) ratio | 17.1784% | 337 |
| Tier 1 risk-based capital ratio | 21.9929% | 1,332 |
| Total risk-based capital ratio | 23.2531% | 1,305 |
| Memoranda: | ||
| Average total assets | $61,238,500 | 5,877 |
| Average earning assets | $56,930,500 | 5,826 |
| Average equity | $11,017,000 | 4,764 |
| Average total loans | $44,674,500 | 5,273 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4629% | 672 |
| Cost of funding earning assets | 0.6480% | 3,928 |
| Net interest margin | 4.8149% | 528 |
| Noninterest income to average assets | 0.8116% | 2,212 |
| Noninterest expense to average assets | 2.2373% | 5,843 |
| Loan and lease loss provision to assets | 0.9720% | 440 |
| Net operating income to assets | 1.9959% | 357 |
| Return on assets (ROA) | 1.9959% | 391 |
| Pretax return on assets | 1.9959% | 606 |
| Return on Equity (ROE) | 11.8722% | 1,543 |
| Retained earnings to average equity (ytd only) | 11.8722% | 338 |
| Net charge-offs to loans | 1.0519% | 1,020 |
| Credit loss provision to net charge-offs | 129.8701% | 2,154 |
| Earnings coverage of net charge-offs (x) | 3.9654% | 3,533 |
| Efficiency ratio | 42.9816% | 6,877 |
| Assets per employee ($millions) | 6.7298% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9464% | 2,161 |
| Loan loss allowance to noncurrent loans | 300.6849% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.4821% | 5,266 |
| Noncurrent loans to loans | 0.6473% | 4,900 |
| Net loans and leases to total assets | 73.0254% | 1,331 |
| Net loans and leases to deposits | 95.4962% | 652 |
| Net loans and leases to core deposits | 99.0594% | 1,079 |
| Total domestic deposits to total assets | 76.4694% | 6,292 |
| Equity capital to assets | 18.3579% | 306 |
| Core capital (leverage) ratio | 17.1368% | 339 |
| Tier 1 risk-based capital ratio | 22.7781% | 1,143 |
| Total risk-based capital ratio | 24.0365% | 1,129 |
| Memoranda: | ||
| Average total assets | $61,726,800 | 5,881 |
| Average earning assets | $56,325,600 | 5,856 |
| Average equity | $10,377,200 | 4,897 |
| Average total loans | $43,921,000 | 5,333 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9998% | 282 |
| Cost of funding earning assets | 0.7064% | 3,705 |
| Net interest margin | 5.2934% | 246 |
| Noninterest income to average assets | 0.3182% | 5,240 |
| Noninterest expense to average assets | 2.2811% | 5,737 |
| Loan and lease loss provision to assets | 1.1545% | 322 |
| Net operating income to assets | 1.6834% | 710 |
| Return on assets (ROA) | 1.6834% | 790 |
| Pretax return on assets | 1.6834% | 1,314 |
| Return on Equity (ROE) | 10.2433% | 2,233 |
| Retained earnings to average equity (ytd only) | 10.2433% | 853 |
| Net charge-offs to loans | 1.3906% | 650 |
| Credit loss provision to net charge-offs | 118.0220% | 2,454 |
| Earnings coverage of net charge-offs (x) | 2.9011% | 3,874 |
| Efficiency ratio | 44.5611% | 6,878 |
| Assets per employee ($millions) | 7.9551% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7977% | 2,806 |
| Loan loss allowance to noncurrent loans | 211.0256% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.7071% | 4,917 |
| Noncurrent loans to loans | 0.8519% | 4,712 |
| Net loans and leases to total assets | 70.6416% | 1,795 |
| Net loans and leases to deposits | 92.2611% | 946 |
| Net loans and leases to core deposits | 100.6740% | 1,074 |
| Total domestic deposits to total assets | 76.5670% | 6,303 |
| Equity capital to assets | 16.7911% | 492 |
| Core capital (leverage) ratio | 16.2930% | 446 |
| Tier 1 risk-based capital ratio | 21.5412% | 1,416 |
| Total risk-based capital ratio | 22.7977% | 1,387 |
| Memoranda: | ||
| Average total assets | $62,016,500 | 5,942 |
| Average earning assets | $56,245,000 | 5,925 |
| Average equity | $10,191,750 | 4,984 |
| Average total loans | $43,624,250 | 5,407 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9756% | 304 |
| Cost of funding earning assets | 0.7355% | 3,720 |
| Net interest margin | 5.2401% | 270 |
| Noninterest income to average assets | 0.1757% | 6,299 |
| Noninterest expense to average assets | 2.3619% | 5,588 |
| Loan and lease loss provision to assets | 1.2168% | 337 |
| Net operating income to assets | 1.4185% | 1,155 |
| Return on assets (ROA) | 1.4185% | 1,288 |
| Pretax return on assets | 1.4185% | 2,137 |
| Return on Equity (ROE) | 8.6965% | 2,939 |
| Retained earnings to average equity (ytd only) | 8.6965% | 1,377 |
| Net charge-offs to loans | 2.1209% | 374 |
| Credit loss provision to net charge-offs | 82.1978% | 3,259 |
| Earnings coverage of net charge-offs (x) | 1.7802% | 4,091 |
| Efficiency ratio | 47.2656% | 6,818 |
| Assets per employee ($millions) | 6.9462% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 3,918 |
| Loan loss allowance to noncurrent loans | 503.8168% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.3055% | 5,998 |
| Noncurrent loans to loans | 0.3020% | 5,957 |
| Net loans and leases to total assets | 68.3361% | 2,227 |
| Net loans and leases to deposits | 86.9816% | 1,478 |
| Net loans and leases to core deposits | 94.8281% | 1,519 |
| Total domestic deposits to total assets | 78.5639% | 6,042 |
| Equity capital to assets | 16.4454% | 514 |
| Core capital (leverage) ratio | 16.0054% | 461 |
| Tier 1 risk-based capital ratio | 21.4703% | 1,395 |
| Total risk-based capital ratio | 22.7234% | 1,368 |
| Memoranda: | ||
| Average total assets | $61,475,000 | 5,994 |
| Average earning assets | $56,563,670 | 5,956 |
| Average equity | $10,027,000 | 5,022 |
| Average total loans | $42,905,670 | 5,476 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7193% | 126 |
| Cost of funding earning assets | 0.7830% | 3,603 |
| Net interest margin | 5.9363% | 109 |
| Noninterest income to average assets | 0.0525% | 6,919 |
| Noninterest expense to average assets | 2.3624% | 5,591 |
| Loan and lease loss provision to assets | 0.7350% | 695 |
| Net operating income to assets | 2.4280% | 200 |
| Return on assets (ROA) | 2.4280% | 244 |
| Pretax return on assets | 2.4280% | 369 |
| Return on Equity (ROE) | 14.9495% | 978 |
| Retained earnings to average equity (ytd only) | 14.9495% | 451 |
| Net charge-offs to loans | 2.2406% | 396 |
| Credit loss provision to net charge-offs | 46.8619% | 3,332 |
| Earnings coverage of net charge-offs (x) | 2.0167% | 3,336 |
| Efficiency ratio | 42.7553% | 7,033 |
| Assets per employee ($millions) | 7.4961% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 4,503 |
| Loan loss allowance to noncurrent loans | 94.3164% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.0856% | 4,320 |
| Noncurrent loans to loans | 1.5088% | 3,858 |
| Net loans and leases to total assets | 70.9233% | 1,589 |
| Net loans and leases to deposits | 90.9756% | 875 |
| Net loans and leases to core deposits | 99.6182% | 1,011 |
| Total domestic deposits to total assets | 77.9586% | 6,264 |
| Equity capital to assets | 16.8771% | 445 |
| Core capital (leverage) ratio | 15.9265% | 473 |
| Tier 1 risk-based capital ratio | 21.7586% | 1,325 |
| Total risk-based capital ratio | 23.0099% | 1,300 |
| Memoranda: | ||
| Average total assets | $60,954,500 | 6,035 |
| Average earning assets | $56,196,500 | 6,000 |
| Average equity | $9,900,000 | 5,065 |
| Average total loans | $42,668,000 | 5,520 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1314% | 2,326 |
| Cost of funding earning assets | 1.0000% | 3,381 |
| Net interest margin | 4.1314% | 2,300 |
| Noninterest income to average assets | 0.0595% | 6,802 |
| Noninterest expense to average assets | 2.2544% | 6,157 |
| Loan and lease loss provision to assets | 0.3813% | 2,712 |
| Net operating income to assets | 1.2172% | 1,470 |
| Return on assets (ROA) | 1.2172% | 1,573 |
| Pretax return on assets | 1.2172% | 2,397 |
| Return on Equity (ROE) | 8.9049% | 2,496 |
| Retained earnings to average equity (ytd only) | 8.9049% | 835 |
| Net charge-offs to loans | 0.7782% | 2,209 |
| Credit loss provision to net charge-offs | 75.0751% | 4,669 |
| Earnings coverage of net charge-offs (x) | 3.1471% | 3,635 |
| Efficiency ratio | 58.5115% | 5,983 |
| Assets per employee ($millions) | 7.7425% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7563% | 2,998 |
| Loan loss allowance to noncurrent loans | 83.2584% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 2.3087% | 2,613 |
| Noncurrent loans to loans | 2.1095% | 3,056 |
| Net loans and leases to total assets | 66.9180% | 2,606 |
| Net loans and leases to deposits | 84.3814% | 1,875 |
| Net loans and leases to core deposits | 92.4788% | 1,840 |
| Total domestic deposits to total assets | 79.3042% | 5,916 |
| Equity capital to assets | 15.6264% | 647 |
| Core capital (leverage) ratio | 14.6954% | 667 |
| Tier 1 risk-based capital ratio | 21.1507% | 1,386 |
| Total risk-based capital ratio | 22.4068% | 1,361 |
| Memoranda: | ||
| Average total assets | $65,559,400 | 5,881 |
| Average earning assets | $60,197,800 | 5,860 |
| Average equity | $8,961,400 | 5,290 |
| Average total loans | $42,792,200 | 5,568 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0741% | 2,737 |
| Cost of funding earning assets | 1.0450% | 3,355 |
| Net interest margin | 4.0291% | 2,785 |
| Noninterest income to average assets | 0.0140% | 7,067 |
| Noninterest expense to average assets | 2.3029% | 6,024 |
| Loan and lease loss provision to assets | 0.3751% | 2,605 |
| Net operating income to assets | 1.0331% | 2,204 |
| Return on assets (ROA) | 1.0331% | 2,361 |
| Pretax return on assets | 1.0331% | 3,272 |
| Return on Equity (ROE) | 7.8188% | 3,123 |
| Retained earnings to average equity (ytd only) | 7.8188% | 1,581 |
| Net charge-offs to loans | 1.0867% | 1,464 |
| Credit loss provision to net charge-offs | 53.4286% | 4,960 |
| Earnings coverage of net charge-offs (x) | 2.0057% | 4,144 |
| Efficiency ratio | 62.0541% | 5,398 |
| Assets per employee ($millions) | 7.8533% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5729% | 3,788 |
| Loan loss allowance to noncurrent loans | 73.3629% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 2.2936% | 2,793 |
| Noncurrent loans to loans | 2.1440% | 3,193 |
| Net loans and leases to total assets | 65.8374% | 2,936 |
| Net loans and leases to deposits | 82.2506% | 2,310 |
| Net loans and leases to core deposits | 89.1636% | 2,343 |
| Total domestic deposits to total assets | 80.0449% | 5,719 |
| Equity capital to assets | 14.8808% | 883 |
| Core capital (leverage) ratio | 14.1458% | 866 |
| Tier 1 risk-based capital ratio | 19.8547% | 1,721 |
| Total risk-based capital ratio | 21.1068% | 1,693 |
| Memoranda: | ||
| Average total assets | $66,464,250 | 5,900 |
| Average earning assets | $60,988,500 | 5,871 |
| Average equity | $8,782,000 | 5,366 |
| Average total loans | $42,942,750 | 5,609 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8935% | 3,654 |
| Cost of funding earning assets | 1.0606% | 3,536 |
| Net interest margin | 3.8329% | 3,630 |
| Noninterest income to average assets | 0.0709% | 6,956 |
| Noninterest expense to average assets | 2.2430% | 6,263 |
| Loan and lease loss provision to assets | 0.3694% | 2,576 |
| Net operating income to assets | 0.9723% | 2,350 |
| Return on assets (ROA) | 0.9723% | 2,450 |
| Pretax return on assets | 0.9723% | 3,351 |
| Return on Equity (ROE) | 7.6574% | 3,119 |
| Retained earnings to average equity (ytd only) | 7.6574% | 1,598 |
| Net charge-offs to loans | 0.9896% | 1,585 |
| Credit loss provision to net charge-offs | 58.4112% | 4,382 |
| Earnings coverage of net charge-offs (x) | 2.1215% | 3,782 |
| Efficiency ratio | 62.5721% | 5,484 |
| Assets per employee ($millions) | 8.0375% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6847% | 3,379 |
| Loan loss allowance to noncurrent loans | 65.4497% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 3.0607% | 2,196 |
| Noncurrent loans to loans | 2.5740% | 2,804 |
| Net loans and leases to total assets | 66.7076% | 2,887 |
| Net loans and leases to deposits | 82.0919% | 2,444 |
| Net loans and leases to core deposits | 88.6989% | 2,538 |
| Total domestic deposits to total assets | 81.2597% | 5,439 |
| Equity capital to assets | 13.9207% | 1,122 |
| Core capital (leverage) ratio | 13.5722% | 976 |
| Tier 1 risk-based capital ratio | 18.7642% | 1,918 |
| Total risk-based capital ratio | 20.0181% | 1,880 |
| Memoranda: | ||
| Average total assets | $67,677,000 | 5,895 |
| Average earning assets | $62,041,670 | 5,890 |
| Average equity | $8,593,000 | 5,434 |
| Average total loans | $43,249,000 | 5,649 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9500% | 3,332 |
| Cost of funding earning assets | 1.0603% | 3,783 |
| Net interest margin | 3.8897% | 3,194 |
| Noninterest income to average assets | 0.0692% | 7,042 |
| Noninterest expense to average assets | 2.3124% | 6,155 |
| Loan and lease loss provision to assets | 0.3575% | 2,411 |
| Net operating income to assets | 0.9745% | 2,264 |
| Return on assets (ROA) | 0.9745% | 2,328 |
| Pretax return on assets | 0.9745% | 3,233 |
| Return on Equity (ROE) | 8.0342% | 2,893 |
| Retained earnings to average equity (ytd only) | 8.0342% | 1,717 |
| Net charge-offs to loans | 0.1115% | 3,859 |
| Credit loss provision to net charge-offs | 516.6667% | 699 |
| Earnings coverage of net charge-offs (x) | 19.2500% | 1,148 |
| Efficiency ratio | 63.4494% | 5,451 |
| Assets per employee ($millions) | 9.1677% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0256% | 2,340 |
| Loan loss allowance to noncurrent loans | 35.9080% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 5.1095% | 1,228 |
| Noncurrent loans to loans | 5.6412% | 1,158 |
| Net loans and leases to total assets | 65.8725% | 3,048 |
| Net loans and leases to deposits | 80.5185% | 2,608 |
| Net loans and leases to core deposits | 88.7603% | 2,512 |
| Total domestic deposits to total assets | 81.8104% | 5,388 |
| Equity capital to assets | 13.3232% | 1,252 |
| Core capital (leverage) ratio | 13.2123% | 1,057 |
| Tier 1 risk-based capital ratio | 18.6285% | 1,914 |
| Total risk-based capital ratio | 19.8856% | 1,865 |
| Memoranda: | ||
| Average total assets | $69,365,500 | 5,881 |
| Average earning assets | $63,758,000 | 5,871 |
| Average equity | $8,414,000 | 5,485 |
| Average total loans | $43,059,500 | 5,703 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3436% | 6,711 |
| Cost of funding earning assets | 1.8022% | 1,168 |
| Net interest margin | 2.5414% | 7,249 |
| Noninterest income to average assets | 0.1208% | 6,805 |
| Noninterest expense to average assets | 2.0017% | 7,019 |
| Loan and lease loss provision to assets | 0.1715% | 5,507 |
| Net operating income to assets | 0.3144% | 4,886 |
| Return on assets (ROA) | 0.3507% | 4,902 |
| Pretax return on assets | 0.3507% | 5,077 |
| Return on Equity (ROE) | 3.2640% | 4,839 |
| Retained earnings to average equity (ytd only) | 3.2640% | 3,583 |
| Net charge-offs to loans | 0.3101% | 4,467 |
| Credit loss provision to net charge-offs | 97.7778% | 4,743 |
| Earnings coverage of net charge-offs (x) | 2.7704% | 3,687 |
| Efficiency ratio | 80.4700% | 2,351 |
| Assets per employee ($millions) | 10.6510% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9175% | 2,511 |
| Loan loss allowance to noncurrent loans | 102.8714% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 2.2077% | 3,086 |
| Noncurrent loans to loans | 1.8640% | 3,735 |
| Net loans and leases to total assets | 56.5312% | 5,251 |
| Net loans and leases to deposits | 70.2116% | 4,789 |
| Net loans and leases to core deposits | 75.4421% | 4,799 |
| Total domestic deposits to total assets | 80.5156% | 5,681 |
| Equity capital to assets | 11.1029% | 2,594 |
| Core capital (leverage) ratio | 10.8303% | 2,286 |
| Tier 1 risk-based capital ratio | 17.3528% | 2,219 |
| Total risk-based capital ratio | 18.6095% | 2,184 |
| Memoranda: | ||
| Average total assets | $76,984,000 | 5,680 |
| Average earning assets | $71,691,600 | 5,612 |
| Average equity | $8,272,000 | 5,627 |
| Average total loans | $43,539,400 | 5,769 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2406% | 7,040 |
| Cost of funding earning assets | 1.7848% | 1,485 |
| Net interest margin | 2.4559% | 7,399 |
| Noninterest income to average assets | 0.0825% | 7,123 |
| Noninterest expense to average assets | 1.9572% | 7,121 |
| Loan and lease loss provision to assets | 0.1650% | 5,392 |
| Net operating income to assets | 0.2492% | 5,352 |
| Return on assets (ROA) | 0.2973% | 5,344 |
| Pretax return on assets | 0.2973% | 5,519 |
| Return on Equity (ROE) | 2.7889% | 5,313 |
| Retained earnings to average equity (ytd only) | 2.7889% | 4,480 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5362% | 2,003 |
| Assets per employee ($millions) | 11.4446% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1128% | 1,972 |
| Loan loss allowance to noncurrent loans | 68.1684% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 4.4687% | 1,520 |
| Noncurrent loans to loans | 3.0994% | 2,575 |
| Net loans and leases to total assets | 53.3790% | 5,935 |
| Net loans and leases to deposits | 63.9017% | 5,926 |
| Net loans and leases to core deposits | 74.0293% | 5,286 |
| Total domestic deposits to total assets | 83.5331% | 4,359 |
| Equity capital to assets | 10.6676% | 3,330 |
| Core capital (leverage) ratio | 10.3844% | 2,817 |
| Tier 1 risk-based capital ratio | 16.4614% | 2,575 |
| Total risk-based capital ratio | 17.7189% | 2,526 |
| Memoranda: | ||
| Average total assets | $77,590,750 | 5,731 |
| Average earning assets | $72,314,250 | 5,659 |
| Average equity | $8,270,500 | 5,702 |
| Average total loans | $43,681,250 | 5,843 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2949% | 7,059 |
| Cost of funding earning assets | 1.7688% | 1,776 |
| Net interest margin | 2.5261% | 7,400 |
| Noninterest income to average assets | 0.0469% | 7,347 |
| Noninterest expense to average assets | 1.9961% | 7,118 |
| Loan and lease loss provision to assets | 0.1564% | 5,336 |
| Net operating income to assets | 0.2502% | 5,374 |
| Return on assets (ROA) | 0.3231% | 5,263 |
| Pretax return on assets | 0.3231% | 5,441 |
| Return on Equity (ROE) | 3.0323% | 5,209 |
| Retained earnings to average equity (ytd only) | 3.0323% | 4,181 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0803% | 2,031 |
| Assets per employee ($millions) | 11.4261% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9899% | 2,214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7056% | 2,673 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 54.6204% | 5,895 |
| Net loans and leases to deposits | 65.1219% | 5,904 |
| Net loans and leases to core deposits | 79.9074% | 4,705 |
| Total domestic deposits to total assets | 83.8741% | 4,160 |
| Equity capital to assets | 10.3597% | 3,575 |
| Core capital (leverage) ratio | 10.3944% | 2,718 |
| Tier 1 risk-based capital ratio | 15.9484% | 2,697 |
| Total risk-based capital ratio | 17.1858% | 2,666 |
| Memoranda: | ||
| Average total assets | $76,750,330 | 5,781 |
| Average earning assets | $71,573,330 | 5,718 |
| Average equity | $8,178,670 | 5,738 |
| Average total loans | $43,679,670 | 5,880 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1606% | 7,303 |
| Cost of funding earning assets | 1.7383% | 2,193 |
| Net interest margin | 2.4223% | 7,518 |
| Noninterest income to average assets | 0.0053% | 7,638 |
| Noninterest expense to average assets | 1.8314% | 7,436 |
| Loan and lease loss provision to assets | 0.1597% | 4,935 |
| Net operating income to assets | 0.2768% | 5,389 |
| Return on assets (ROA) | 0.2768% | 5,517 |
| Pretax return on assets | 0.2768% | 5,669 |
| Return on Equity (ROE) | 2.5600% | 5,534 |
| Retained earnings to average equity (ytd only) | 2.5600% | 4,600 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7512% | 2,447 |
| Assets per employee ($millions) | 11.2311% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9698% | 2,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.1965% | 2,248 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 54.2484% | 5,999 |
| Net loans and leases to deposits | 64.7099% | 5,970 |
| Net loans and leases to core deposits | 83.0620% | 4,330 |
| Total domestic deposits to total assets | 83.8332% | 4,233 |
| Equity capital to assets | 10.3348% | 3,428 |
| Core capital (leverage) ratio | 10.8628% | 2,326 |
| Tier 1 risk-based capital ratio | 16.4557% | 2,472 |
| Total risk-based capital ratio | 17.7115% | 2,421 |
| Memoranda: | ||
| Average total assets | $75,134,000 | 5,902 |
| Average earning assets | $70,182,000 | 5,842 |
| Average equity | $8,125,000 | 5,803 |
| Average total loans | $43,232,500 | 5,973 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6898% | 3,152 |
| Cost of funding earning assets | 1.5402% | 5,338 |
| Net interest margin | 4.1495% | 2,249 |
| Noninterest income to average assets | 0.0967% | 7,285 |
| Noninterest expense to average assets | 2.7357% | 5,218 |
| Loan and lease loss provision to assets | 1.0403% | 2,204 |
| Net operating income to assets | 0.1460% | 5,057 |
| Return on assets (ROA) | 0.1460% | 5,127 |
| Pretax return on assets | 0.1460% | 5,119 |
| Return on Equity (ROE) | 0.9965% | 5,235 |
| Retained earnings to average equity (ytd only) | 0.9965% | 4,336 |
| Net charge-offs to loans | 0.9987% | 2,412 |
| Credit loss provision to net charge-offs | 123.1102% | 4,289 |
| Earnings coverage of net charge-offs (x) | 1.4039% | 4,725 |
| Efficiency ratio | 69.7534% | 4,681 |
| Assets per employee ($millions) | 10.2357% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9251% | 2,204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.0000% | 1,648 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 58.8025% | 5,516 |
| Net loans and leases to deposits | 72.7379% | 5,232 |
| Net loans and leases to core deposits | 75.8547% | 6,411 |
| Total domestic deposits to total assets | 80.8416% | 5,392 |
| Equity capital to assets | 11.3398% | 2,443 |
| Core capital (leverage) ratio | 15.0279% | 783 |
| Tier 1 risk-based capital ratio | 16.8436% | 2,189 |
| Total risk-based capital ratio | 18.1185% | 2,156 |
| Memoranda: | ||
| Average total assets | $54,793,600 | 6,531 |
| Average earning assets | $50,511,800 | 6,517 |
| Average equity | $8,028,400 | 5,911 |
| Average total loans | $46,361,800 | 5,825 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7846% | 2,955 |
| Cost of funding earning assets | 1.6867% | 4,964 |
| Net interest margin | 4.0979% | 2,406 |
| Noninterest income to average assets | 0.1397% | 7,178 |
| Noninterest expense to average assets | 2.9366% | 4,291 |
| Loan and lease loss provision to assets | 1.2653% | 1,523 |
| Net operating income to assets | -0.2900% | 6,186 |
| Return on assets (ROA) | -0.2900% | 6,200 |
| Pretax return on assets | -0.2900% | 6,090 |
| Return on Equity (ROE) | -1.8323% | 6,074 |
| Retained earnings to average equity (ytd only) | -1.8323% | 5,687 |
| Net charge-offs to loans | 1.3075% | 1,562 |
| Credit loss provision to net charge-offs | 103.6717% | 4,909 |
| Earnings coverage of net charge-offs (x) | 0.7991% | 5,255 |
| Efficiency ratio | 75.0674% | 3,676 |
| Assets per employee ($millions) | 6.9160% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6937% | 2,653 |
| Loan loss allowance to noncurrent loans | 64.0870% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 8.5557% | 476 |
| Noncurrent loans to loans | 2.6428% | 2,862 |
| Net loans and leases to total assets | 88.3603% | 184 |
| Net loans and leases to deposits | 144.0934% | 65 |
| Net loans and leases to core deposits | 171.6918% | 260 |
| Total domestic deposits to total assets | 61.3216% | 7,844 |
| Equity capital to assets | 16.3906% | 725 |
| Core capital (leverage) ratio | 16.1127% | 662 |
| Tier 1 risk-based capital ratio | 17.8833% | 2,021 |
| Total risk-based capital ratio | 19.1544% | 1,966 |
| Memoranda: | ||
| Average total assets | $50,579,500 | 6,732 |
| Average earning assets | $46,559,250 | 6,711 |
| Average equity | $8,004,250 | 5,978 |
| Average total loans | $47,212,500 | 5,839 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6518% | 3,807 |
| Cost of funding earning assets | 1.7361% | 5,083 |
| Net interest margin | 3.9157% | 3,034 |
| Noninterest income to average assets | 0.1209% | 7,379 |
| Noninterest expense to average assets | 2.6510% | 5,554 |
| Loan and lease loss provision to assets | 1.5204% | 1,125 |
| Net operating income to assets | -0.4015% | 6,450 |
| Return on assets (ROA) | -0.4015% | 6,456 |
| Pretax return on assets | -0.4015% | 6,326 |
| Return on Equity (ROE) | -2.5662% | 6,307 |
| Retained earnings to average equity (ytd only) | -2.5662% | 5,884 |
| Net charge-offs to loans | 1.9114% | 980 |
| Credit loss provision to net charge-offs | 84.2333% | 5,084 |
| Earnings coverage of net charge-offs (x) | 0.6199% | 5,088 |
| Efficiency ratio | 70.3206% | 4,711 |
| Assets per employee ($millions) | 7.0724% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 3,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.8800% | 830 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 90.4195% | 113 |
| Net loans and leases to deposits | 145.7256% | 64 |
| Net loans and leases to core deposits | 178.0022% | 240 |
| Total domestic deposits to total assets | 62.0478% | 7,888 |
| Equity capital to assets | 16.0422% | 815 |
| Core capital (leverage) ratio | 14.6949% | 977 |
| Tier 1 risk-based capital ratio | 17.5467% | 2,133 |
| Total risk-based capital ratio | 18.8171% | 2,084 |
| Memoranda: | ||
| Average total assets | $51,302,000 | 6,776 |
| Average earning assets | $47,807,670 | 6,716 |
| Average equity | $8,027,330 | 6,015 |
| Average total loans | $48,445,330 | 5,829 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5888% | 4,426 |
| Cost of funding earning assets | 1.6791% | 5,702 |
| Net interest margin | 3.9098% | 3,008 |
| Noninterest income to average assets | 0.1149% | 7,452 |
| Noninterest expense to average assets | 2.5058% | 5,824 |
| Loan and lease loss provision to assets | 0.9195% | 1,416 |
| Net operating income to assets | 0.3831% | 4,930 |
| Return on assets (ROA) | 0.3831% | 5,112 |
| Pretax return on assets | 0.3831% | 5,448 |
| Return on Equity (ROE) | 2.4783% | 5,581 |
| Retained earnings to average equity (ytd only) | 2.4783% | 4,491 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7948% | 5,364 |
| Assets per employee ($millions) | 7.5643% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6527% | 2,305 |
| Loan loss allowance to noncurrent loans | 27.5320% | 6,720 |
| Noncurrent assets plus other real estate owned to assets | 6.7063% | 532 |
| Noncurrent loans to loans | 6.0027% | 802 |
| Net loans and leases to total assets | 94.4042% | 26 |
| Net loans and leases to deposits | 141.7629% | 84 |
| Net loans and leases to core deposits | 160.4101% | 485 |
| Total domestic deposits to total assets | 66.5930% | 7,696 |
| Equity capital to assets | 15.2880% | 1,017 |
| Core capital (leverage) ratio | 15.5437% | 857 |
| Tier 1 risk-based capital ratio | 16.7553% | 2,422 |
| Total risk-based capital ratio | 18.0241% | 2,343 |
| Memoranda: | ||
| Average total assets | $52,199,500 | 6,773 |
| Average earning assets | $49,312,500 | 6,695 |
| Average equity | $8,070,000 | 6,031 |
| Average total loans | $49,962,500 | 5,795 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9011% | 1,392 |
| Cost of funding earning assets | 2.4622% | 4,413 |
| Net interest margin | 4.4389% | 1,565 |
| Noninterest income to average assets | 0.1811% | 7,145 |
| Noninterest expense to average assets | 2.9004% | 4,447 |
| Loan and lease loss provision to assets | 1.3933% | 995 |
| Net operating income to assets | 0.0697% | 6,182 |
| Return on assets (ROA) | 0.0697% | 6,034 |
| Pretax return on assets | 0.0697% | 6,011 |
| Return on Equity (ROE) | 0.3700% | 6,116 |
| Retained earnings to average equity (ytd only) | 0.3700% | 5,021 |
| Net charge-offs to loans | 0.0979% | 5,346 |
| Credit loss provision to net charge-offs | 1,500.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 15.7500% | 1,909 |
| Efficiency ratio | 66.4715% | 5,026 |
| Assets per employee ($millions) | 7.3499% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 2,854 |
| Loan loss allowance to noncurrent loans | 28.5941% | 6,791 |
| Noncurrent assets plus other real estate owned to assets | 5.8660% | 522 |
| Noncurrent loans to loans | 5.1285% | 838 |
| Net loans and leases to total assets | 94.0310% | 31 |
| Net loans and leases to deposits | 143.1725% | 99 |
| Net loans and leases to core deposits | 158.7101% | 601 |
| Total domestic deposits to total assets | 65.6767% | 7,677 |
| Equity capital to assets | 15.6368% | 1,016 |
| Core capital (leverage) ratio | 15.3686% | 949 |
| Tier 1 risk-based capital ratio | 17.0908% | 2,281 |
| Total risk-based capital ratio | 18.3612% | 2,226 |
| Memoranda: | ||
| Average total assets | $43,062,400 | 7,073 |
| Average earning assets | $40,573,000 | 7,019 |
| Average equity | $8,108,200 | 6,044 |
| Average total loans | $40,873,600 | 6,128 |