Home > Southern Commerce Bank > Performance and Condition Ratios
Southern Commerce Bank, Performance and Condition Ratios
| 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 | 3.7430% | 4,220 |
| Cost of funding earning assets | 0.3202% | 4,226 |
| Net interest margin | 3.4228% | 3,744 |
| Noninterest income to average assets | 3.5909% | 184 |
| Noninterest expense to average assets | 5.7149% | 205 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2549% | 5,548 |
| Return on assets (ROA) | 0.2549% | 5,642 |
| Pretax return on assets | 0.4191% | 5,392 |
| Return on Equity (ROE) | 0.7063% | 5,961 |
| Retained earnings to average equity (ytd only) | 0.7063% | 5,169 |
| Net charge-offs to loans | 0.5936% | 413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.7619% | 2,870 |
| Efficiency ratio | 93.1671% | 637 |
| Assets per employee ($millions) | 2.1504% | 6,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9697% | 131 |
| Loan loss allowance to noncurrent loans | 243.2671% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.8385% | 2,987 |
| Noncurrent loans to loans | 1.6318% | 1,712 |
| Net loans and leases to total assets | 37.5666% | 5,746 |
| Net loans and leases to deposits | 59.2637% | 4,804 |
| Net loans and leases to core deposits | 59.9622% | 4,993 |
| Total domestic deposits to total assets | 63.3889% | 6,288 |
| Equity capital to assets | 35.9700% | 57 |
| Core capital (leverage) ratio | 25.4947% | 87 |
| Tier 1 risk-based capital ratio | 45.0851% | 196 |
| Total risk-based capital ratio | 46.6124% | 185 |
| Memoranda: | ||
| Average total assets | $70,623,000 | 5,241 |
| Average earning assets | $52,471,000 | 5,549 |
| Average equity | $25,483,500 | 2,702 |
| Average total loans | $28,300,500 | 5,578 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0254% | 6,038 |
| Cost of funding earning assets | 0.3275% | 4,519 |
| Net interest margin | 2.6979% | 5,939 |
| Noninterest income to average assets | 4.3019% | 140 |
| Noninterest expense to average assets | 5.3711% | 245 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6567% | 4,106 |
| Return on assets (ROA) | 0.6567% | 4,207 |
| Pretax return on assets | 0.9635% | 3,633 |
| Return on Equity (ROE) | 1.9970% | 5,762 |
| Retained earnings to average equity (ytd only) | 1.9970% | 4,792 |
| Net charge-offs to loans | 0.9786% | 310 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.4932% | 4,137 |
| Efficiency ratio | 84.7898% | 1,308 |
| Assets per employee ($millions) | 1.9511% | 6,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9666% | 138 |
| Loan loss allowance to noncurrent loans | 150.3285% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.7127% | 1,561 |
| Noncurrent loans to loans | 2.6386% | 934 |
| Net loans and leases to total assets | 39.4331% | 5,780 |
| Net loans and leases to deposits | 62.5299% | 4,676 |
| Net loans and leases to core deposits | 63.2771% | 4,892 |
| Total domestic deposits to total assets | 63.0627% | 6,368 |
| Equity capital to assets | 36.3251% | 55 |
| Core capital (leverage) ratio | 21.6184% | 150 |
| Tier 1 risk-based capital ratio | 40.3386% | 233 |
| Total risk-based capital ratio | 41.6388% | 228 |
| Memoranda: | ||
| Average total assets | $76,594,800 | 5,135 |
| Average earning assets | $57,710,800 | 5,468 |
| Average equity | $25,187,600 | 2,640 |
| Average total loans | $30,246,000 | 5,554 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9179% | 6,190 |
| Cost of funding earning assets | 0.3270% | 4,595 |
| Net interest margin | 2.5909% | 6,143 |
| Noninterest income to average assets | 4.4731% | 135 |
| Noninterest expense to average assets | 5.2900% | 260 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6975% | 3,952 |
| Return on assets (ROA) | 0.6975% | 4,046 |
| Pretax return on assets | 1.1426% | 3,025 |
| Return on Equity (ROE) | 2.1721% | 5,799 |
| Retained earnings to average equity (ytd only) | 2.1721% | 4,972 |
| Net charge-offs to loans | 0.8366% | 396 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.4896% | 3,650 |
| Efficiency ratio | 82.2375% | 1,586 |
| Assets per employee ($millions) | 2.4118% | 6,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8796% | 178 |
| Loan loss allowance to noncurrent loans | 146.4789% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 1.6766% | 1,808 |
| Noncurrent loans to loans | 2.6486% | 1,084 |
| Net loans and leases to total assets | 40.0632% | 5,810 |
| Net loans and leases to deposits | 60.1943% | 4,919 |
| Net loans and leases to core deposits | 61.4675% | 5,077 |
| Total domestic deposits to total assets | 66.5565% | 6,394 |
| Equity capital to assets | 32.8461% | 60 |
| Core capital (leverage) ratio | 19.2320% | 238 |
| Tier 1 risk-based capital ratio | 36.5121% | 310 |
| Total risk-based capital ratio | 37.8013% | 302 |
| Memoranda: | ||
| Average total assets | $78,184,000 | 5,167 |
| Average earning assets | $59,128,500 | 5,483 |
| Average equity | $25,106,000 | 2,663 |
| Average total loans | $30,597,250 | 5,595 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8064% | 6,336 |
| Cost of funding earning assets | 0.3238% | 4,714 |
| Net interest margin | 2.4826% | 6,298 |
| Noninterest income to average assets | 4.5492% | 130 |
| Noninterest expense to average assets | 5.4254% | 244 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6088% | 4,319 |
| Return on assets (ROA) | 0.6088% | 4,412 |
| Pretax return on assets | 0.9985% | 3,482 |
| Return on Equity (ROE) | 1.9101% | 5,859 |
| Retained earnings to average equity (ytd only) | 1.9101% | 4,927 |
| Net charge-offs to loans | 0.8911% | 407 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.9254% | 3,430 |
| Efficiency ratio | 84.4568% | 1,450 |
| Assets per employee ($millions) | 2.2193% | 6,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4034% | 130 |
| Loan loss allowance to noncurrent loans | 148.7472% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 1.8832% | 1,723 |
| Noncurrent loans to loans | 2.9603% | 994 |
| Net loans and leases to total assets | 37.5750% | 5,980 |
| Net loans and leases to deposits | 56.9234% | 5,128 |
| Net loans and leases to core deposits | 59.3382% | 5,176 |
| Total domestic deposits to total assets | 66.0098% | 6,480 |
| Equity capital to assets | 33.4045% | 57 |
| Core capital (leverage) ratio | 19.1162% | 234 |
| Tier 1 risk-based capital ratio | 37.4473% | 289 |
| Total risk-based capital ratio | 38.7450% | 283 |
| Memoranda: | ||
| Average total assets | $78,519,330 | 5,198 |
| Average earning assets | $59,292,670 | 5,525 |
| Average equity | $25,024,670 | 2,659 |
| Average total loans | $30,073,670 | 5,655 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7122% | 6,454 |
| Cost of funding earning assets | 0.3168% | 4,899 |
| Net interest margin | 2.3955% | 6,423 |
| Noninterest income to average assets | 4.4172% | 135 |
| Noninterest expense to average assets | 5.4616% | 246 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4697% | 4,840 |
| Return on assets (ROA) | 0.4697% | 4,916 |
| Pretax return on assets | 0.7695% | 4,231 |
| Return on Equity (ROE) | 1.5080% | 5,923 |
| Retained earnings to average equity (ytd only) | 1.5080% | 5,006 |
| Net charge-offs to loans | 0.5680% | 650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.5814% | 2,660 |
| Efficiency ratio | 87.6504% | 1,267 |
| Assets per employee ($millions) | 2.4419% | 6,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6185% | 120 |
| Loan loss allowance to noncurrent loans | 252.1661% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 1.7894% | 1,964 |
| Noncurrent loans to loans | 1.8315% | 2,098 |
| Net loans and leases to total assets | 35.8024% | 6,077 |
| Net loans and leases to deposits | 52.5854% | 5,420 |
| Net loans and leases to core deposits | 54.5996% | 5,462 |
| Total domestic deposits to total assets | 68.0842% | 6,513 |
| Equity capital to assets | 31.0347% | 67 |
| Core capital (leverage) ratio | 18.1452% | 303 |
| Tier 1 risk-based capital ratio | 35.5588% | 335 |
| Total risk-based capital ratio | 36.8479% | 324 |
| Memoranda: | ||
| Average total assets | $80,050,500 | 5,207 |
| Average earning assets | $60,614,000 | 5,548 |
| Average equity | $24,934,000 | 2,651 |
| Average total loans | $30,281,000 | 5,707 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4830% | 6,621 |
| Cost of funding earning assets | 0.3943% | 4,711 |
| Net interest margin | 2.0886% | 6,625 |
| Noninterest income to average assets | 4.7229% | 145 |
| Noninterest expense to average assets | 7.1555% | 139 |
| Loan and lease loss provision to assets | 0.6592% | 360 |
| Net operating income to assets | 14.9660% | 16 |
| Return on assets (ROA) | 14.9908% | 16 |
| Pretax return on assets | -1.2525% | 6,638 |
| Return on Equity (ROE) | 74.9138% | 8 |
| Retained earnings to average equity (ytd only) | 74.9138% | 3 |
| Net charge-offs to loans | 16.5573% | 2 |
| Credit loss provision to net charge-offs | 9.7664% | 4,586 |
| Earnings coverage of net charge-offs (x) | -0.0936% | 5,116 |
| Efficiency ratio | 109.6889% | 273 |
| Assets per employee ($millions) | 2.2088% | 6,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7503% | 107 |
| Loan loss allowance to noncurrent loans | 709.3596% | 703 |
| Noncurrent assets plus other real estate owned to assets | 1.4374% | 2,586 |
| Noncurrent loans to loans | 0.6697% | 4,301 |
| Net loans and leases to total assets | 36.3117% | 6,186 |
| Net loans and leases to deposits | 53.5567% | 5,505 |
| Net loans and leases to core deposits | 55.6425% | 5,560 |
| Total domestic deposits to total assets | 67.8006% | 6,592 |
| Equity capital to assets | 31.2625% | 63 |
| Core capital (leverage) ratio | 21.1561% | 155 |
| Tier 1 risk-based capital ratio | 35.1598% | 321 |
| Total risk-based capital ratio | 36.4473% | 315 |
| Memoranda: | ||
| Average total assets | $77,367,400 | 5,295 |
| Average earning assets | $66,694,200 | 5,383 |
| Average equity | $15,481,800 | 3,788 |
| Average total loans | $31,539,000 | 5,688 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4557% | 6,710 |
| Cost of funding earning assets | 0.4080% | 4,754 |
| Net interest margin | 2.0477% | 6,713 |
| Noninterest income to average assets | 4.8574% | 146 |
| Noninterest expense to average assets | 7.3112% | 138 |
| Loan and lease loss provision to assets | 0.4512% | 631 |
| Net operating income to assets | -1.0846% | 6,719 |
| Return on assets (ROA) | -1.0846% | 6,717 |
| Pretax return on assets | -1.0846% | 6,707 |
| Return on Equity (ROE) | -6.3430% | 6,634 |
| Retained earnings to average equity (ytd only) | -6.3430% | 6,549 |
| Net charge-offs to loans | 21.8803% | 2 |
| Credit loss provision to net charge-offs | 4.9751% | 4,279 |
| Earnings coverage of net charge-offs (x) | -0.0698% | 4,877 |
| Efficiency ratio | 109.4854% | 275 |
| Assets per employee ($millions) | 1.6416% | 6,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6611% | 73 |
| Loan loss allowance to noncurrent loans | 193.1596% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 2.5486% | 1,495 |
| Noncurrent loans to loans | 2.9308% | 1,392 |
| Net loans and leases to total assets | 27.9995% | 6,595 |
| Net loans and leases to deposits | 34.7505% | 6,547 |
| Net loans and leases to core deposits | 36.3155% | 6,550 |
| Total domestic deposits to total assets | 80.5729% | 5,341 |
| Equity capital to assets | 17.7327% | 348 |
| Core capital (leverage) ratio | 17.4305% | 344 |
| Tier 1 risk-based capital ratio | 45.6726% | 165 |
| Total risk-based capital ratio | 46.9790% | 166 |
| Memoranda: | ||
| Average total assets | $76,830,000 | 5,362 |
| Average earning assets | $68,301,000 | 5,397 |
| Average equity | $13,137,500 | 4,284 |
| Average total loans | $31,845,250 | 5,731 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4761% | 6,743 |
| Cost of funding earning assets | 0.4222% | 4,735 |
| Net interest margin | 2.0539% | 6,746 |
| Noninterest income to average assets | 4.6686% | 157 |
| Noninterest expense to average assets | 7.6288% | 129 |
| Loan and lease loss provision to assets | 0.3168% | 1,114 |
| Net operating income to assets | -1.4523% | 6,806 |
| Return on assets (ROA) | -1.4523% | 6,809 |
| Pretax return on assets | -1.4523% | 6,799 |
| Return on Equity (ROE) | -8.5879% | 6,717 |
| Retained earnings to average equity (ytd only) | -8.5879% | 6,629 |
| Net charge-offs to loans | 28.4353% | 2 |
| Credit loss provision to net charge-offs | 2.4782% | 3,978 |
| Earnings coverage of net charge-offs (x) | -0.0888% | 4,579 |
| Efficiency ratio | 117.4863% | 204 |
| Assets per employee ($millions) | 1.7698% | 6,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3681% | 43 |
| Loan loss allowance to noncurrent loans | 607.3892% | 722 |
| Noncurrent assets plus other real estate owned to assets | 2.4151% | 1,760 |
| Noncurrent loans to loans | 1.0484% | 3,835 |
| Net loans and leases to total assets | 23.8217% | 6,724 |
| Net loans and leases to deposits | 29.2059% | 6,716 |
| Net loans and leases to core deposits | 30.2776% | 6,717 |
| Total domestic deposits to total assets | 81.5645% | 5,196 |
| Equity capital to assets | 16.6892% | 448 |
| Core capital (leverage) ratio | 16.5870% | 412 |
| Tier 1 risk-based capital ratio | 46.7830% | 152 |
| Total risk-based capital ratio | 48.0976% | 150 |
| Memoranda: | ||
| Average total assets | $78,911,000 | 5,344 |
| Average earning assets | $70,111,000 | 5,390 |
| Average equity | $13,344,330 | 4,271 |
| Average total loans | $35,477,000 | 5,600 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3042% | 6,867 |
| Cost of funding earning assets | 0.4373% | 4,734 |
| Net interest margin | 1.8669% | 6,878 |
| Noninterest income to average assets | 5.1149% | 144 |
| Noninterest expense to average assets | 7.9537% | 123 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.1804% | 6,846 |
| Return on assets (ROA) | -1.1804% | 6,852 |
| Pretax return on assets | -1.1804% | 6,838 |
| Return on Equity (ROE) | -6.9369% | 6,742 |
| Retained earnings to average equity (ytd only) | -6.9369% | 6,471 |
| Net charge-offs to loans | 2.8759% | 125 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.7572% | 3,948 |
| Efficiency ratio | 117.4265% | 236 |
| Assets per employee ($millions) | 1.5996% | 6,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.7732% | 2 |
| Loan loss allowance to noncurrent loans | 34.1722% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 24.1757% | 11 |
| Noncurrent loans to loans | 40.3052% | 2 |
| Net loans and leases to total assets | 45.7046% | 5,467 |
| Net loans and leases to deposits | 56.3078% | 5,216 |
| Net loans and leases to core deposits | 58.2763% | 5,322 |
| Total domestic deposits to total assets | 81.1693% | 5,457 |
| Equity capital to assets | 16.9003% | 435 |
| Core capital (leverage) ratio | 16.3325% | 419 |
| Tier 1 risk-based capital ratio | 30.8740% | 493 |
| Total risk-based capital ratio | 32.3134% | 476 |
| Memoranda: | ||
| Average total assets | $80,315,000 | 5,358 |
| Average earning assets | $71,347,000 | 5,400 |
| Average equity | $13,666,000 | 4,254 |
| Average total loans | $43,534,500 | 5,317 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7965% | 6,853 |
| Cost of funding earning assets | 0.5369% | 4,939 |
| Net interest margin | 2.2595% | 6,857 |
| Noninterest income to average assets | 2.8411% | 273 |
| Noninterest expense to average assets | 6.9015% | 155 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -1.9176% | 6,917 |
| Return on assets (ROA) | -1.9116% | 6,927 |
| Pretax return on assets | -2.1476% | 6,946 |
| Return on Equity (ROE) | -11.5546% | 6,757 |
| Retained earnings to average equity (ytd only) | -11.5546% | 6,686 |
| Net charge-offs to loans | 2.4711% | 248 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -1.5251% | 5,809 |
| Efficiency ratio | 145.3835% | 101 |
| Assets per employee ($millions) | 1.8756% | 6,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.7706% | 5 |
| Loan loss allowance to noncurrent loans | 36.0314% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 24.4702% | 13 |
| Noncurrent loans to loans | 38.2182% | 5 |
| Net loans and leases to total assets | 47.7662% | 5,436 |
| Net loans and leases to deposits | 58.9037% | 5,137 |
| Net loans and leases to core deposits | 61.0169% | 5,269 |
| Total domestic deposits to total assets | 81.0921% | 5,378 |
| Equity capital to assets | 17.1298% | 396 |
| Core capital (leverage) ratio | 16.3751% | 407 |
| Tier 1 risk-based capital ratio | 29.6174% | 530 |
| Total risk-based capital ratio | 31.0579% | 517 |
| Memoranda: | ||
| Average total assets | $88,981,000 | 5,115 |
| Average earning assets | $75,059,200 | 5,277 |
| Average equity | $14,721,400 | 4,023 |
| Average total loans | $50,867,200 | 5,075 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8873% | 6,937 |
| Cost of funding earning assets | 0.5581% | 5,013 |
| Net interest margin | 2.3291% | 6,931 |
| Noninterest income to average assets | 2.8053% | 271 |
| Noninterest expense to average assets | 6.7365% | 158 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -1.4280% | 6,955 |
| Return on assets (ROA) | -1.4217% | 6,966 |
| Pretax return on assets | -1.9795% | 7,029 |
| Return on Equity (ROE) | -8.6609% | 6,831 |
| Retained earnings to average equity (ytd only) | -8.6609% | 6,772 |
| Net charge-offs to loans | 3.0881% | 170 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -1.1186% | 5,582 |
| Efficiency ratio | 141.8748% | 113 |
| Assets per employee ($millions) | 1.8824% | 7,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.7948% | 8 |
| Loan loss allowance to noncurrent loans | 34.5202% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 29.3198% | 6 |
| Noncurrent loans to loans | 37.0647% | 6 |
| Net loans and leases to total assets | 52.1645% | 5,024 |
| Net loans and leases to deposits | 66.1626% | 4,451 |
| Net loans and leases to core deposits | 68.2315% | 4,707 |
| Total domestic deposits to total assets | 78.8429% | 5,908 |
| Equity capital to assets | 18.0327% | 362 |
| Core capital (leverage) ratio | 17.3884% | 341 |
| Tier 1 risk-based capital ratio | 27.1930% | 727 |
| Total risk-based capital ratio | 28.6149% | 690 |
| Memoranda: | ||
| Average total assets | $91,064,000 | 5,102 |
| Average earning assets | $75,964,000 | 5,293 |
| Average equity | $14,948,000 | 4,016 |
| Average total loans | $52,415,250 | 5,053 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8433% | 7,030 |
| Cost of funding earning assets | 0.5894% | 4,993 |
| Net interest margin | 2.2539% | 7,028 |
| Noninterest income to average assets | 3.1830% | 226 |
| Noninterest expense to average assets | 6.5630% | 171 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.5786% | 6,770 |
| Return on assets (ROA) | -0.5718% | 6,794 |
| Pretax return on assets | -1.4825% | 7,001 |
| Return on Equity (ROE) | -3.5844% | 6,707 |
| Retained earnings to average equity (ytd only) | -3.5844% | 6,519 |
| Net charge-offs to loans | 1.4884% | 670 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -1.7625% | 5,368 |
| Efficiency ratio | 129.4486% | 167 |
| Assets per employee ($millions) | 1.9039% | 7,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.6830% | 6 |
| Loan loss allowance to noncurrent loans | 36.3349% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 32.2216% | 4 |
| Noncurrent loans to loans | 37.6581% | 4 |
| Net loans and leases to total assets | 52.7795% | 4,995 |
| Net loans and leases to deposits | 67.0137% | 4,361 |
| Net loans and leases to core deposits | 68.7145% | 4,705 |
| Total domestic deposits to total assets | 78.7593% | 6,003 |
| Equity capital to assets | 18.1073% | 333 |
| Core capital (leverage) ratio | 17.5408% | 323 |
| Tier 1 risk-based capital ratio | 26.8655% | 733 |
| Total risk-based capital ratio | 28.2909% | 713 |
| Memoranda: | ||
| Average total assets | $94,438,000 | 5,056 |
| Average earning assets | $79,063,670 | 5,236 |
| Average equity | $15,065,330 | 3,974 |
| Average total loans | $53,747,670 | 5,042 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8213% | 7,102 |
| Cost of funding earning assets | 0.6605% | 4,631 |
| Net interest margin | 2.1608% | 7,103 |
| Noninterest income to average assets | 2.7182% | 273 |
| Noninterest expense to average assets | 6.4628% | 172 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.6718% | 7,122 |
| Return on assets (ROA) | -1.6718% | 7,125 |
| Pretax return on assets | -1.9084% | 7,128 |
| Return on Equity (ROE) | -11.1100% | 7,009 |
| Retained earnings to average equity (ytd only) | -11.1100% | 6,870 |
| Net charge-offs to loans | 3.6285% | 176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.9539% | 4,550 |
| Efficiency ratio | 141.9014% | 127 |
| Assets per employee ($millions) | 2.0388% | 7,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.8625% | 6 |
| Loan loss allowance to noncurrent loans | 30.1602% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 32.2528% | 5 |
| Noncurrent loans to loans | 42.6473% | 3 |
| Net loans and leases to total assets | 51.0229% | 5,149 |
| Net loans and leases to deposits | 62.4718% | 4,848 |
| Net loans and leases to core deposits | 64.5727% | 5,052 |
| Total domestic deposits to total assets | 81.6735% | 5,402 |
| Equity capital to assets | 16.1520% | 550 |
| Core capital (leverage) ratio | 14.5965% | 673 |
| Tier 1 risk-based capital ratio | 25.4807% | 856 |
| Total risk-based capital ratio | 26.8912% | 819 |
| Memoranda: | ||
| Average total assets | $99,770,500 | 4,943 |
| Average earning assets | $84,782,500 | 5,118 |
| Average equity | $15,013,500 | 3,988 |
| Average total loans | $55,009,500 | 5,025 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9321% | 7,193 |
| Cost of funding earning assets | 0.7711% | 5,053 |
| Net interest margin | 2.1610% | 7,190 |
| Noninterest income to average assets | 0.3853% | 4,743 |
| Noninterest expense to average assets | 5.9979% | 208 |
| Loan and lease loss provision to assets | 1.0655% | 861 |
| Net operating income to assets | -3.6887% | 7,235 |
| Return on assets (ROA) | -3.6887% | 7,241 |
| Pretax return on assets | -4.8646% | 7,306 |
| Return on Equity (ROE) | -24.1983% | 7,041 |
| Retained earnings to average equity (ytd only) | -24.1983% | 7,031 |
| Net charge-offs to loans | 4.7547% | 94 |
| Credit loss provision to net charge-offs | 39.2251% | 5,639 |
| Earnings coverage of net charge-offs (x) | -1.3987% | 6,240 |
| Efficiency ratio | 272.7848% | 30 |
| Assets per employee ($millions) | 2.1136% | 7,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.1606% | 7 |
| Loan loss allowance to noncurrent loans | 32.2804% | 6,062 |
| Noncurrent assets plus other real estate owned to assets | 27.9542% | 13 |
| Noncurrent loans to loans | 40.7695% | 2 |
| Net loans and leases to total assets | 45.3532% | 6,071 |
| Net loans and leases to deposits | 54.1138% | 6,057 |
| Net loans and leases to core deposits | 56.2565% | 6,142 |
| Total domestic deposits to total assets | 83.8108% | 4,407 |
| Equity capital to assets | 14.1084% | 1,025 |
| Core capital (leverage) ratio | 13.5923% | 929 |
| Tier 1 risk-based capital ratio | 25.1220% | 858 |
| Total risk-based capital ratio | 26.5325% | 823 |
| Memoranda: | ||
| Average total assets | $114,973,800 | 4,525 |
| Average earning assets | $96,483,800 | 4,731 |
| Average equity | $17,526,000 | 3,501 |
| Average total loans | $65,682,800 | 4,644 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9743% | 7,269 |
| Cost of funding earning assets | 0.7785% | 5,287 |
| Net interest margin | 2.1958% | 7,259 |
| Noninterest income to average assets | 1.0014% | 1,338 |
| Noninterest expense to average assets | 6.0506% | 196 |
| Loan and lease loss provision to assets | 1.3987% | 520 |
| Net operating income to assets | -3.5488% | 7,304 |
| Return on assets (ROA) | -3.5488% | 7,307 |
| Pretax return on assets | -4.6153% | 7,365 |
| Return on Equity (ROE) | -22.8875% | 7,139 |
| Retained earnings to average equity (ytd only) | -22.8875% | 7,128 |
| Net charge-offs to loans | 4.7057% | 111 |
| Credit loss provision to net charge-offs | 51.0204% | 5,018 |
| Earnings coverage of net charge-offs (x) | -1.1733% | 5,950 |
| Efficiency ratio | 213.4972% | 43 |
| Assets per employee ($millions) | 2.1408% | 7,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.6520% | 11 |
| Loan loss allowance to noncurrent loans | 36.5899% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 28.6971% | 10 |
| Noncurrent loans to loans | 37.3109% | 7 |
| Net loans and leases to total assets | 45.3266% | 6,208 |
| Net loans and leases to deposits | 55.2995% | 6,099 |
| Net loans and leases to core deposits | 57.7667% | 6,147 |
| Total domestic deposits to total assets | 81.9656% | 5,103 |
| Equity capital to assets | 14.3917% | 1,026 |
| Core capital (leverage) ratio | 14.0747% | 884 |
| Tier 1 risk-based capital ratio | 24.9684% | 918 |
| Total risk-based capital ratio | 26.3848% | 893 |
| Memoranda: | ||
| Average total assets | $116,768,750 | 4,514 |
| Average earning assets | $97,454,750 | 4,732 |
| Average equity | $18,105,500 | 3,415 |
| Average total loans | $68,029,250 | 4,596 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0388% | 7,333 |
| Cost of funding earning assets | 0.7683% | 5,571 |
| Net interest margin | 2.2705% | 7,287 |
| Noninterest income to average assets | 0.7092% | 2,505 |
| Noninterest expense to average assets | 5.6451% | 246 |
| Loan and lease loss provision to assets | 2.0785% | 289 |
| Net operating income to assets | -2.5621% | 7,268 |
| Return on assets (ROA) | -2.5621% | 7,273 |
| Pretax return on assets | -5.1141% | 7,439 |
| Return on Equity (ROE) | -16.1517% | 7,091 |
| Retained earnings to average equity (ytd only) | -16.1517% | 7,067 |
| Net charge-offs to loans | 4.9285% | 132 |
| Credit loss provision to net charge-offs | 70.1604% | 4,053 |
| Earnings coverage of net charge-offs (x) | -1.0246% | 5,635 |
| Efficiency ratio | 216.3199% | 48 |
| Assets per employee ($millions) | 2.0795% | 7,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.3688% | 10 |
| Loan loss allowance to noncurrent loans | 34.8886% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 31.6505% | 10 |
| Noncurrent loans to loans | 38.3186% | 7 |
| Net loans and leases to total assets | 49.7788% | 5,850 |
| Net loans and leases to deposits | 61.5749% | 5,552 |
| Net loans and leases to core deposits | 63.4376% | 5,782 |
| Total domestic deposits to total assets | 80.8427% | 5,586 |
| Equity capital to assets | 15.6198% | 675 |
| Core capital (leverage) ratio | 15.5098% | 578 |
| Tier 1 risk-based capital ratio | 25.4478% | 856 |
| Total risk-based capital ratio | 26.8503% | 826 |
| Memoranda: | ||
| Average total assets | $117,871,330 | 4,517 |
| Average earning assets | $98,657,000 | 4,741 |
| Average equity | $18,697,670 | 3,305 |
| Average total loans | $70,852,670 | 4,543 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1371% | 7,362 |
| Cost of funding earning assets | 0.7793% | 5,676 |
| Net interest margin | 2.3578% | 7,281 |
| Noninterest income to average assets | 0.3645% | 4,997 |
| Noninterest expense to average assets | 5.5977% | 244 |
| Loan and lease loss provision to assets | 1.0032% | 764 |
| Net operating income to assets | -1.7188% | 7,242 |
| Return on assets (ROA) | -1.7188% | 7,244 |
| Pretax return on assets | -4.2535% | 7,448 |
| Return on Equity (ROE) | -10.7565% | 7,046 |
| Retained earnings to average equity (ytd only) | -10.7565% | 6,898 |
| Net charge-offs to loans | 3.1218% | 342 |
| Credit loss provision to net charge-offs | 52.3560% | 3,707 |
| Earnings coverage of net charge-offs (x) | -1.6963% | 4,946 |
| Efficiency ratio | 238.4615% | 42 |
| Assets per employee ($millions) | 2.0432% | 7,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.5650% | 12 |
| Loan loss allowance to noncurrent loans | 33.2401% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 32.9937% | 6 |
| Noncurrent loans to loans | 37.8008% | 4 |
| Net loans and leases to total assets | 55.9408% | 4,999 |
| Net loans and leases to deposits | 69.9235% | 4,349 |
| Net loans and leases to core deposits | 71.9787% | 4,787 |
| Total domestic deposits to total assets | 80.0028% | 5,950 |
| Equity capital to assets | 16.7821% | 466 |
| Core capital (leverage) ratio | 16.4651% | 440 |
| Tier 1 risk-based capital ratio | 25.2941% | 848 |
| Total risk-based capital ratio | 26.6884% | 815 |
| Memoranda: | ||
| Average total assets | $119,620,000 | 4,493 |
| Average earning assets | $100,603,500 | 4,726 |
| Average equity | $19,114,000 | 3,241 |
| Average total loans | $73,419,000 | 4,491 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1866% | 7,554 |
| Cost of funding earning assets | 1.8379% | 1,036 |
| Net interest margin | 0.3487% | 7,619 |
| Noninterest income to average assets | 0.4687% | 4,388 |
| Noninterest expense to average assets | 3.8493% | 1,390 |
| Loan and lease loss provision to assets | 2.6612% | 397 |
| Net operating income to assets | -4.4999% | 7,489 |
| Return on assets (ROA) | -4.4999% | 7,499 |
| Pretax return on assets | -5.7230% | 7,572 |
| Return on Equity (ROE) | -68.4452% | 7,514 |
| Retained earnings to average equity (ytd only) | -68.4452% | 7,513 |
| Net charge-offs to loans | 4.8468% | 193 |
| Credit loss provision to net charge-offs | 124.5962% | 3,304 |
| Earnings coverage of net charge-offs (x) | -1.4335% | 6,668 |
| Efficiency ratio | 488.7985% | 17 |
| Assets per employee ($millions) | 2.3493% | 7,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.4193% | 12 |
| Loan loss allowance to noncurrent loans | 36.0862% | 5,909 |
| Noncurrent assets plus other real estate owned to assets | 28.3217% | 12 |
| Noncurrent loans to loans | 34.4155% | 7 |
| Net loans and leases to total assets | 51.7349% | 5,949 |
| Net loans and leases to deposits | 62.3355% | 5,814 |
| Net loans and leases to core deposits | 65.0392% | 5,975 |
| Total domestic deposits to total assets | 82.9944% | 4,797 |
| Equity capital to assets | 15.2675% | 728 |
| Core capital (leverage) ratio | 12.7209% | 1,231 |
| Tier 1 risk-based capital ratio | 25.0945% | 836 |
| Total risk-based capital ratio | 26.4877% | 804 |
| Memoranda: | ||
| Average total assets | $202,917,600 | 3,067 |
| Average earning assets | $185,540,200 | 3,052 |
| Average equity | $13,340,600 | 4,301 |
| Average total loans | $89,420,200 | 4,067 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0841% | 7,685 |
| Cost of funding earning assets | 1.8960% | 1,040 |
| Net interest margin | 0.1881% | 7,746 |
| Noninterest income to average assets | 0.2746% | 5,913 |
| Noninterest expense to average assets | 3.3974% | 2,305 |
| Loan and lease loss provision to assets | 3.0639% | 279 |
| Net operating income to assets | -5.3691% | 7,672 |
| Return on assets (ROA) | -5.3691% | 7,676 |
| Pretax return on assets | -6.0131% | 7,689 |
| Return on Equity (ROE) | -100.6946% | 7,694 |
| Retained earnings to average equity (ytd only) | -100.6946% | 7,694 |
| Net charge-offs to loans | 3.5912% | 369 |
| Credit loss provision to net charge-offs | 203.5116% | 1,746 |
| Earnings coverage of net charge-offs (x) | -1.9589% | 6,533 |
| Efficiency ratio | 758.0429% | 8 |
| Assets per employee ($millions) | 3.4677% | 5,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.1728% | 10 |
| Loan loss allowance to noncurrent loans | 36.1408% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 19.4894% | 69 |
| Noncurrent loans to loans | 36.4485% | 8 |
| Net loans and leases to total assets | 38.8591% | 7,135 |
| Net loans and leases to deposits | 41.2080% | 7,333 |
| Net loans and leases to core deposits | 44.9243% | 7,292 |
| Total domestic deposits to total assets | 94.2999% | 65 |
| Equity capital to assets | 4.9487% | 7,585 |
| Core capital (leverage) ratio | 4.3736% | 7,601 |
| Tier 1 risk-based capital ratio | 11.5618% | 5,870 |
| Total risk-based capital ratio | 12.9857% | 5,670 |
| Memoranda: | ||
| Average total assets | $221,931,000 | 2,885 |
| Average earning assets | $204,847,750 | 2,857 |
| Average equity | $11,833,500 | 4,728 |
| Average total loans | $93,040,250 | 4,051 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0999% | 7,765 |
| Cost of funding earning assets | 1.8973% | 1,248 |
| Net interest margin | 0.2026% | 7,813 |
| Noninterest income to average assets | 0.0188% | 7,468 |
| Noninterest expense to average assets | 3.2117% | 2,859 |
| Loan and lease loss provision to assets | 3.9208% | 200 |
| Net operating income to assets | -6.1574% | 7,744 |
| Return on assets (ROA) | -6.1574% | 7,746 |
| Pretax return on assets | -6.9270% | 7,761 |
| Return on Equity (ROE) | -113.3503% | 7,749 |
| Retained earnings to average equity (ytd only) | -113.3503% | 7,749 |
| Net charge-offs to loans | 3.9344% | 332 |
| Credit loss provision to net charge-offs | 241.9779% | 1,586 |
| Earnings coverage of net charge-offs (x) | -1.8553% | 6,197 |
| Efficiency ratio | 1,563.4855% | 5 |
| Assets per employee ($millions) | 3.4754% | 4,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.1134% | 9 |
| Loan loss allowance to noncurrent loans | 40.8270% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 14.9097% | 149 |
| Noncurrent loans to loans | 32.1195% | 13 |
| Net loans and leases to total assets | 33.1060% | 7,449 |
| Net loans and leases to deposits | 35.0781% | 7,552 |
| Net loans and leases to core deposits | 39.2829% | 7,501 |
| Total domestic deposits to total assets | 94.3782% | 66 |
| Equity capital to assets | 4.9486% | 7,638 |
| Core capital (leverage) ratio | 4.6313% | 7,643 |
| Tier 1 risk-based capital ratio | 12.6967% | 4,692 |
| Total risk-based capital ratio | 14.1044% | 4,519 |
| Memoranda: | ||
| Average total assets | $234,645,670 | 2,756 |
| Average earning assets | $216,199,670 | 2,729 |
| Average equity | $12,746,330 | 4,495 |
| Average total loans | $96,636,000 | 3,994 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1732% | 7,867 |
| Cost of funding earning assets | 1.8912% | 1,487 |
| Net interest margin | 0.2820% | 7,908 |
| Noninterest income to average assets | 1.4005% | 620 |
| Noninterest expense to average assets | 3.2347% | 2,742 |
| Loan and lease loss provision to assets | 8.6600% | 48 |
| Net operating income to assets | -9.8213% | 7,895 |
| Return on assets (ROA) | -9.8213% | 7,895 |
| Pretax return on assets | -10.2353% | 7,895 |
| Return on Equity (ROE) | -173.8140% | 7,882 |
| Retained earnings to average equity (ytd only) | -173.8140% | 7,880 |
| Net charge-offs to loans | 3.2545% | 455 |
| Credit loss provision to net charge-offs | 625.0000% | 695 |
| Earnings coverage of net charge-offs (x) | -1.1369% | 5,401 |
| Efficiency ratio | 194.9304% | 100 |
| Assets per employee ($millions) | 4.0183% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.4800% | 13 |
| Loan loss allowance to noncurrent loans | 45.8635% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 12.6639% | 224 |
| Noncurrent loans to loans | 25.0309% | 36 |
| Net loans and leases to total assets | 37.9314% | 7,349 |
| Net loans and leases to deposits | 43.5483% | 7,418 |
| Net loans and leases to core deposits | 48.5376% | 7,339 |
| Total domestic deposits to total assets | 87.1020% | 2,574 |
| Equity capital to assets | 4.1700% | 7,784 |
| Core capital (leverage) ratio | 4.1235% | 7,767 |
| Tier 1 risk-based capital ratio | 9.4680% | 7,318 |
| Total risk-based capital ratio | 10.8484% | 7,247 |
| Memoranda: | ||
| Average total assets | $242,493,000 | 2,737 |
| Average earning assets | $222,714,000 | 2,704 |
| Average equity | $13,702,000 | 4,312 |
| Average total loans | $103,241,000 | 3,847 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2332% | 7,857 |
| Cost of funding earning assets | 2.6464% | 679 |
| Net interest margin | 0.5868% | 7,963 |
| Noninterest income to average assets | 1.3067% | 879 |
| Noninterest expense to average assets | 11.0830% | 86 |
| Loan and lease loss provision to assets | 5.5635% | 144 |
| Net operating income to assets | -13.0235% | 7,992 |
| Return on assets (ROA) | -13.0235% | 7,992 |
| Pretax return on assets | -14.8278% | 7,996 |
| Return on Equity (ROE) | -95.9222% | 7,919 |
| Retained earnings to average equity (ytd only) | -95.9222% | 7,916 |
| Net charge-offs to loans | 6.1523% | 167 |
| Credit loss provision to net charge-offs | 176.3651% | 2,382 |
| Earnings coverage of net charge-offs (x) | -2.9368% | 7,047 |
| Efficiency ratio | 195.6948% | 151 |
| Assets per employee ($millions) | 3.9967% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5592% | 32 |
| Loan loss allowance to noncurrent loans | 35.8632% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 12.3074% | 237 |
| Noncurrent loans to loans | 23.8664% | 40 |
| Net loans and leases to total assets | 38.6460% | 7,424 |
| Net loans and leases to deposits | 41.8285% | 7,574 |
| Net loans and leases to core deposits | 72.6153% | 6,612 |
| Total domestic deposits to total assets | 92.3916% | 200 |
| Equity capital to assets | 7.3218% | 7,181 |
| Core capital (leverage) ratio | 6.7960% | 7,368 |
| Tier 1 risk-based capital ratio | 16.1496% | 2,452 |
| Total risk-based capital ratio | 17.4887% | 2,360 |
| Memoranda: | ||
| Average total assets | $229,891,800 | 2,826 |
| Average earning assets | $200,573,600 | 2,959 |
| Average equity | $31,212,800 | 2,149 |
| Average total loans | $117,875,400 | 3,525 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4839% | 7,935 |
| Cost of funding earning assets | 2.7833% | 622 |
| Net interest margin | 0.7005% | 8,042 |
| Noninterest income to average assets | 1.2881% | 930 |
| Noninterest expense to average assets | 3.4963% | 2,292 |
| Loan and lease loss provision to assets | 6.9381% | 73 |
| Net operating income to assets | -6.2524% | 7,938 |
| Return on assets (ROA) | -6.2524% | 7,935 |
| Pretax return on assets | -8.5422% | 8,011 |
| Return on Equity (ROE) | -41.3428% | 7,764 |
| Retained earnings to average equity (ytd only) | -41.3428% | 7,761 |
| Net charge-offs to loans | 6.9178% | 112 |
| Credit loss provision to net charge-offs | 187.4609% | 2,431 |
| Earnings coverage of net charge-offs (x) | -0.4334% | 6,450 |
| Efficiency ratio | 182.0489% | 193 |
| Assets per employee ($millions) | 3.5030% | 4,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4143% | 28 |
| Loan loss allowance to noncurrent loans | 37.3873% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 11.1422% | 274 |
| Noncurrent loans to loans | 22.5057% | 46 |
| Net loans and leases to total assets | 36.8289% | 7,589 |
| Net loans and leases to deposits | 43.3817% | 7,641 |
| Net loans and leases to core deposits | 70.7629% | 6,922 |
| Total domestic deposits to total assets | 84.8951% | 3,289 |
| Equity capital to assets | 14.6171% | 1,113 |
| Core capital (leverage) ratio | 9.0540% | 4,570 |
| Tier 1 risk-based capital ratio | 17.7386% | 2,064 |
| Total risk-based capital ratio | 19.0791% | 1,987 |
| Memoranda: | ||
| Average total assets | $230,411,250 | 2,841 |
| Average earning assets | $198,701,750 | 3,002 |
| Average equity | $34,846,000 | 1,948 |
| Average total loans | $123,273,750 | 3,439 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8805% | 7,948 |
| Cost of funding earning assets | 2.9009% | 608 |
| Net interest margin | 0.9796% | 8,105 |
| Noninterest income to average assets | 1.2915% | 917 |
| Noninterest expense to average assets | 3.5418% | 2,216 |
| Loan and lease loss provision to assets | 7.3089% | 87 |
| Net operating income to assets | -5.9926% | 8,002 |
| Return on assets (ROA) | -5.9926% | 7,993 |
| Pretax return on assets | -8.7086% | 8,069 |
| Return on Equity (ROE) | -39.1497% | 7,839 |
| Retained earnings to average equity (ytd only) | -39.1497% | 7,822 |
| Net charge-offs to loans | 5.3020% | 228 |
| Credit loss provision to net charge-offs | 236.3741% | 1,963 |
| Earnings coverage of net charge-offs (x) | -0.4527% | 6,049 |
| Efficiency ratio | 162.8571% | 313 |
| Assets per employee ($millions) | 2.9748% | 6,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4798% | 61 |
| Loan loss allowance to noncurrent loans | 39.1670% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 9.5928% | 326 |
| Noncurrent loans to loans | 16.5440% | 103 |
| Net loans and leases to total assets | 50.9559% | 6,788 |
| Net loans and leases to deposits | 60.7013% | 6,841 |
| Net loans and leases to core deposits | 92.5416% | 5,291 |
| Total domestic deposits to total assets | 83.9454% | 3,801 |
| Equity capital to assets | 15.5528% | 916 |
| Core capital (leverage) ratio | 7.9825% | 6,364 |
| Tier 1 risk-based capital ratio | 13.2809% | 3,951 |
| Total risk-based capital ratio | 14.5992% | 3,838 |
| Memoranda: | ||
| Average total assets | $225,477,670 | 2,911 |
| Average earning assets | $195,800,330 | 3,065 |
| Average equity | $34,513,670 | 1,964 |
| Average total loans | $131,496,330 | 3,313 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0179% | 7,986 |
| Cost of funding earning assets | 2.9603% | 665 |
| Net interest margin | 1.0577% | 8,154 |
| Noninterest income to average assets | 1.1556% | 1,105 |
| Noninterest expense to average assets | 3.1555% | 3,171 |
| Loan and lease loss provision to assets | 3.6800% | 274 |
| Net operating income to assets | -2.8872% | 7,825 |
| Return on assets (ROA) | -2.8872% | 7,831 |
| Pretax return on assets | -4.7478% | 7,967 |
| Return on Equity (ROE) | -19.0007% | 7,732 |
| Retained earnings to average equity (ytd only) | -19.0007% | 7,617 |
| Net charge-offs to loans | 0.3751% | 2,590 |
| Credit loss provision to net charge-offs | 1,633.5878% | 379 |
| Earnings coverage of net charge-offs (x) | -4.7405% | 5,565 |
| Efficiency ratio | 148.6820% | 360 |
| Assets per employee ($millions) | 3.1968% | 5,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9171% | 238 |
| Loan loss allowance to noncurrent loans | 29.6950% | 6,568 |
| Noncurrent assets plus other real estate owned to assets | 7.0775% | 475 |
| Noncurrent loans to loans | 13.1911% | 141 |
| Net loans and leases to total assets | 50.9226% | 6,774 |
| Net loans and leases to deposits | 60.3597% | 6,865 |
| Net loans and leases to core deposits | 93.8843% | 5,166 |
| Total domestic deposits to total assets | 84.3652% | 3,521 |
| Equity capital to assets | 15.2070% | 1,045 |
| Core capital (leverage) ratio | 7.9169% | 6,592 |
| Tier 1 risk-based capital ratio | 13.8564% | 3,666 |
| Total risk-based capital ratio | 15.1426% | 3,576 |
| Memoranda: | ||
| Average total assets | $232,611,500 | 2,847 |
| Average earning assets | $204,982,000 | 2,946 |
| Average equity | $35,346,000 | 1,934 |
| Average total loans | $139,704,000 | 3,171 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5362% | 2,778 |
| Cost of funding earning assets | 3.1402% | 1,382 |
| Net interest margin | 3.3960% | 5,677 |
| Noninterest income to average assets | 0.7184% | 3,002 |
| Noninterest expense to average assets | 3.6008% | 2,140 |
| Loan and lease loss provision to assets | 1.3632% | 1,026 |
| Net operating income to assets | -0.7845% | 7,125 |
| Return on assets (ROA) | -0.7845% | 7,026 |
| Pretax return on assets | -1.2857% | 7,158 |
| Return on Equity (ROE) | -4.4011% | 6,795 |
| Retained earnings to average equity (ytd only) | -4.4011% | 6,401 |
| Net charge-offs to loans | 1.1042% | 1,105 |
| Credit loss provision to net charge-offs | 169.5419% | 3,026 |
| Earnings coverage of net charge-offs (x) | 0.0964% | 6,188 |
| Efficiency ratio | 96.3589% | 1,134 |
| Assets per employee ($millions) | 3.4036% | 4,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6988% | 1,913 |
| Loan loss allowance to noncurrent loans | 90.1300% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.2588% | 3,708 |
| Noncurrent loans to loans | 1.8848% | 2,934 |
| Net loans and leases to total assets | 65.6506% | 4,922 |
| Net loans and leases to deposits | 78.1365% | 5,319 |
| Net loans and leases to core deposits | 124.8559% | 2,261 |
| Total domestic deposits to total assets | 84.0205% | 3,311 |
| Equity capital to assets | 15.1841% | 1,116 |
| Core capital (leverage) ratio | 9.3954% | 4,163 |
| Tier 1 risk-based capital ratio | 11.3822% | 5,348 |
| Total risk-based capital ratio | 12.6393% | 5,247 |
| Memoranda: | ||
| Average total assets | $209,062,200 | 3,018 |
| Average earning assets | $182,216,400 | 3,157 |
| Average equity | $37,263,800 | 1,818 |
| Average total loans | $152,236,200 | 2,887 |