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Synovus Bank, Performance and Condition Ratios
| 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 | 4.9409% | 5,270 |
| Cost of funding earning assets | 1.3889% | 4,249 |
| Net interest margin | 3.5520% | 4,941 |
| Noninterest income to average assets | 0.1754% | 6,707 |
| Noninterest expense to average assets | 3.4260% | 2,167 |
| Loan and lease loss provision to assets | 2.5379% | 417 |
| Net operating income to assets | -2.6599% | 7,587 |
| Return on assets (ROA) | -2.6599% | 7,587 |
| Pretax return on assets | -2.5787% | 7,526 |
| Return on Equity (ROE) | -26.9922% | 7,531 |
| Retained earnings to average equity (ytd only) | -26.9922% | 7,493 |
| Net charge-offs to loans | 2.1676% | 785 |
| Credit loss provision to net charge-offs | 150.9940% | 2,364 |
| Earnings coverage of net charge-offs (x) | -0.0243% | 5,044 |
| Efficiency ratio | 98.8984% | 885 |
| Assets per employee ($millions) | 5.6786% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8882% | 910 |
| Loan loss allowance to noncurrent loans | 46.1757% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 5.5306% | 1,114 |
| Noncurrent loans to loans | 6.2549% | 1,025 |
| Net loans and leases to total assets | 74.2910% | 1,911 |
| Net loans and leases to deposits | 97.1398% | 983 |
| Net loans and leases to core deposits | 119.0240% | 823 |
| Total domestic deposits to total assets | 76.4784% | 6,666 |
| Equity capital to assets | 9.5739% | 4,414 |
| Core capital (leverage) ratio | 9.5722% | 3,676 |
| Tier 1 risk-based capital ratio | 10.8276% | 6,317 |
| Total risk-based capital ratio | 12.0947% | 6,281 |
| Memoranda: | ||
| Average total assets | $1,340,806,500 | 508 |
| Average earning assets | $1,211,597,500 | 515 |
| Average equity | $132,127,000 | 514 |
| Average total loans | $1,039,692,000 | 454 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8944% | 6,721 |
| Cost of funding earning assets | 2.0449% | 2,741 |
| Net interest margin | 2.8494% | 6,972 |
| Noninterest income to average assets | 0.0406% | 7,544 |
| Noninterest expense to average assets | 3.3235% | 2,932 |
| Loan and lease loss provision to assets | 6.9663% | 65 |
| Net operating income to assets | -5.6889% | 7,813 |
| Return on assets (ROA) | -5.6543% | 7,804 |
| Pretax return on assets | -7.6059% | 7,900 |
| Return on Equity (ROE) | -54.4997% | 7,720 |
| Retained earnings to average equity (ytd only) | -54.4997% | 7,715 |
| Net charge-offs to loans | 8.8637% | 54 |
| Credit loss provision to net charge-offs | 99.1178% | 5,626 |
| Earnings coverage of net charge-offs (x) | -0.0977% | 6,331 |
| Efficiency ratio | 123.2380% | 556 |
| Assets per employee ($millions) | 5.5898% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5141% | 1,204 |
| Loan loss allowance to noncurrent loans | 34.3940% | 6,133 |
| Noncurrent assets plus other real estate owned to assets | 5.9608% | 949 |
| Noncurrent loans to loans | 7.3097% | 735 |
| Net loans and leases to total assets | 76.5989% | 1,673 |
| Net loans and leases to deposits | 101.7543% | 768 |
| Net loans and leases to core deposits | 145.6651% | 617 |
| Total domestic deposits to total assets | 75.2782% | 6,816 |
| Equity capital to assets | 10.1320% | 3,586 |
| Core capital (leverage) ratio | 9.3005% | 3,975 |
| Tier 1 risk-based capital ratio | 11.0000% | 5,912 |
| Total risk-based capital ratio | 12.2625% | 5,874 |
| Memoranda: | ||
| Average total assets | $1,474,164,400 | 462 |
| Average earning assets | $1,343,314,000 | 461 |
| Average equity | $152,944,000 | 445 |
| Average total loans | $1,168,906,400 | 412 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8526% | 7,007 |
| Cost of funding earning assets | 2.1148% | 2,827 |
| Net interest margin | 2.7378% | 7,153 |
| Noninterest income to average assets | 0.0669% | 7,574 |
| Noninterest expense to average assets | 3.3315% | 2,799 |
| Loan and lease loss provision to assets | 7.8510% | 49 |
| Net operating income to assets | -6.9961% | 7,976 |
| Return on assets (ROA) | -6.9480% | 7,974 |
| Pretax return on assets | -8.5509% | 8,012 |
| Return on Equity (ROE) | -66.6198% | 7,919 |
| Retained earnings to average equity (ytd only) | -66.6198% | 7,916 |
| Net charge-offs to loans | 10.1702% | 47 |
| Credit loss provision to net charge-offs | 97.1589% | 5,258 |
| Earnings coverage of net charge-offs (x) | -0.0940% | 6,170 |
| Efficiency ratio | 126.6970% | 510 |
| Assets per employee ($millions) | 6.2688% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2734% | 1,326 |
| Loan loss allowance to noncurrent loans | 28.3439% | 6,580 |
| Noncurrent assets plus other real estate owned to assets | 6.1147% | 865 |
| Noncurrent loans to loans | 8.0207% | 605 |
| Net loans and leases to total assets | 69.2205% | 3,668 |
| Net loans and leases to deposits | 86.1914% | 3,275 |
| Net loans and leases to core deposits | 118.9009% | 2,343 |
| Total domestic deposits to total assets | 80.3102% | 5,328 |
| Equity capital to assets | 9.1654% | 5,228 |
| Core capital (leverage) ratio | 9.1362% | 4,438 |
| Tier 1 risk-based capital ratio | 10.6187% | 6,323 |
| Total risk-based capital ratio | 11.8776% | 6,296 |
| Memoranda: | ||
| Average total assets | $1,505,917,500 | 468 |
| Average earning assets | $1,378,010,500 | 465 |
| Average equity | $157,056,500 | 448 |
| Average total loans | $1,196,504,250 | 423 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0057% | 6,750 |
| Cost of funding earning assets | 2.1800% | 2,884 |
| Net interest margin | 2.8257% | 6,965 |
| Noninterest income to average assets | 0.1520% | 7,184 |
| Noninterest expense to average assets | 3.4990% | 2,337 |
| Loan and lease loss provision to assets | 4.9841% | 208 |
| Net operating income to assets | -3.7163% | 7,791 |
| Return on assets (ROA) | -3.7163% | 7,791 |
| Pretax return on assets | -5.7496% | 7,933 |
| Return on Equity (ROE) | -34.1992% | 7,773 |
| Retained earnings to average equity (ytd only) | -34.1992% | 7,751 |
| Net charge-offs to loans | 5.7971% | 198 |
| Credit loss provision to net charge-offs | 104.2923% | 4,406 |
| Earnings coverage of net charge-offs (x) | -0.1602% | 5,853 |
| Efficiency ratio | 125.2992% | 579 |
| Assets per employee ($millions) | 5.7409% | 1,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4406% | 952 |
| Loan loss allowance to noncurrent loans | 25.7637% | 6,793 |
| Noncurrent assets plus other real estate owned to assets | 7.8255% | 495 |
| Noncurrent loans to loans | 9.4732% | 385 |
| Net loans and leases to total assets | 78.7207% | 1,586 |
| Net loans and leases to deposits | 98.8586% | 1,412 |
| Net loans and leases to core deposits | 137.4542% | 1,130 |
| Total domestic deposits to total assets | 79.6296% | 5,579 |
| Equity capital to assets | 10.7839% | 3,132 |
| Core capital (leverage) ratio | 9.3933% | 4,033 |
| Tier 1 risk-based capital ratio | 10.3802% | 6,499 |
| Total risk-based capital ratio | 11.6423% | 6,427 |
| Memoranda: | ||
| Average total assets | $1,491,756,330 | 483 |
| Average earning assets | $1,362,759,670 | 481 |
| Average equity | $162,103,000 | 444 |
| Average total loans | $1,229,757,670 | 429 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0035% | 6,920 |
| Cost of funding earning assets | 2.2917% | 2,737 |
| Net interest margin | 2.7119% | 7,177 |
| Noninterest income to average assets | 0.1419% | 7,286 |
| Noninterest expense to average assets | 3.0897% | 3,414 |
| Loan and lease loss provision to assets | 4.6543% | 187 |
| Net operating income to assets | -3.3348% | 7,893 |
| Return on assets (ROA) | -3.3348% | 7,894 |
| Pretax return on assets | -5.1205% | 7,996 |
| Return on Equity (ROE) | -30.5743% | 7,911 |
| Retained earnings to average equity (ytd only) | -30.5743% | 7,864 |
| Net charge-offs to loans | 4.8142% | 226 |
| Credit loss provision to net charge-offs | 116.0670% | 3,361 |
| Earnings coverage of net charge-offs (x) | -0.1162% | 5,087 |
| Efficiency ratio | 114.9319% | 716 |
| Assets per employee ($millions) | 5.4583% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4022% | 847 |
| Loan loss allowance to noncurrent loans | 36.4839% | 6,127 |
| Noncurrent assets plus other real estate owned to assets | 5.6524% | 740 |
| Noncurrent loans to loans | 6.5844% | 656 |
| Net loans and leases to total assets | 80.7489% | 1,243 |
| Net loans and leases to deposits | 102.4088% | 1,137 |
| Net loans and leases to core deposits | 141.1139% | 1,059 |
| Total domestic deposits to total assets | 78.8496% | 5,779 |
| Equity capital to assets | 10.9461% | 3,014 |
| Core capital (leverage) ratio | 9.8952% | 3,523 |
| Tier 1 risk-based capital ratio | 10.2886% | 6,603 |
| Total risk-based capital ratio | 11.5493% | 6,525 |
| Memoranda: | ||
| Average total assets | $1,499,932,500 | 486 |
| Average earning assets | $1,372,627,500 | 483 |
| Average equity | $163,601,500 | 430 |
| Average total loans | $1,249,384,500 | 426 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0120% | 5,492 |
| Cost of funding earning assets | 2.8907% | 2,300 |
| Net interest margin | 3.1212% | 6,591 |
| Noninterest income to average assets | -0.3619% | 8,254 |
| Noninterest expense to average assets | 13.0272% | 90 |
| Loan and lease loss provision to assets | 3.4713% | 235 |
| Net operating income to assets | -12.8796% | 8,276 |
| Return on assets (ROA) | -12.8796% | 8,276 |
| Pretax return on assets | -14.2397% | 8,279 |
| Return on Equity (ROE) | -75.1347% | 8,240 |
| Retained earnings to average equity (ytd only) | -75.5003% | 8,234 |
| Net charge-offs to loans | 4.2132% | 147 |
| Credit loss provision to net charge-offs | 107.1552% | 5,009 |
| Earnings coverage of net charge-offs (x) | -3.3241% | 6,780 |
| Efficiency ratio | 130.5650% | 460 |
| Assets per employee ($millions) | 4.9614% | 1,982 |
| Cash dividends to net income (ytd only)* | -0.4866% | 7,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1980% | 948 |
| Loan loss allowance to noncurrent loans | 53.9884% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 3.6219% | 1,215 |
| Noncurrent loans to loans | 4.0712% | 1,204 |
| Net loans and leases to total assets | 82.0174% | 1,227 |
| Net loans and leases to deposits | 105.3815% | 1,180 |
| Net loans and leases to core deposits | 145.6497% | 1,023 |
| Total domestic deposits to total assets | 77.8290% | 5,767 |
| Equity capital to assets | 10.8681% | 3,148 |
| Core capital (leverage) ratio | 8.8239% | 5,000 |
| Tier 1 risk-based capital ratio | 10.1908% | 6,526 |
| Total risk-based capital ratio | 11.4492% | 6,383 |
| Memoranda: | ||
| Average total assets | $1,667,464,800 | 425 |
| Average earning assets | $1,400,027,800 | 457 |
| Average equity | $285,837,400 | 276 |
| Average total loans | $1,282,094,400 | 405 |