Home > The Savannah Bank > Performance and Condition Ratios
The Savannah Bank, Performance and Condition Ratios
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4717% | 3,745 |
| Cost of funding earning assets | 0.6456% | 4,233 |
| Net interest margin | 3.8261% | 3,225 |
| Noninterest income to average assets | 0.0841% | 6,674 |
| Noninterest expense to average assets | 2.4312% | 5,303 |
| Loan and lease loss provision to assets | 1.6503% | 179 |
| Net operating income to assets | -1.7233% | 7,004 |
| Return on assets (ROA) | -1.7193% | 7,014 |
| Pretax return on assets | -0.4187% | 6,666 |
| Return on Equity (ROE) | -18.9983% | 6,979 |
| Retained earnings to average equity (ytd only) | -18.9983% | 6,961 |
| Net charge-offs to loans | 2.4888% | 252 |
| Credit loss provision to net charge-offs | 85.5966% | 3,438 |
| Earnings coverage of net charge-offs (x) | 0.6367% | 5,003 |
| Efficiency ratio | 66.1379% | 4,423 |
| Assets per employee ($millions) | 6.8523% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4527% | 1,267 |
| Loan loss allowance to noncurrent loans | 65.5952% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 3.7477% | 1,321 |
| Noncurrent loans to loans | 3.7392% | 1,426 |
| Net loans and leases to total assets | 74.9311% | 1,119 |
| Net loans and leases to deposits | 85.8226% | 1,621 |
| Net loans and leases to core deposits | 96.3967% | 1,381 |
| Total domestic deposits to total assets | 87.3092% | 2,495 |
| Equity capital to assets | 8.5101% | 6,249 |
| Core capital (leverage) ratio | 8.0417% | 6,289 |
| Tier 1 risk-based capital ratio | 11.6887% | 6,124 |
| Total risk-based capital ratio | 12.9561% | 6,093 |
| Memoranda: | ||
| Average total assets | $705,302,750 | 940 |
| Average earning assets | $658,966,750 | 922 |
| Average equity | $63,828,750 | 1,119 |
| Average total loans | $546,372,250 | 764 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5097% | 3,725 |
| Cost of funding earning assets | 0.6721% | 4,255 |
| Net interest margin | 3.8377% | 3,190 |
| Noninterest income to average assets | 0.1580% | 6,402 |
| Noninterest expense to average assets | 2.2094% | 5,978 |
| Loan and lease loss provision to assets | 1.4667% | 253 |
| Net operating income to assets | 0.0578% | 6,243 |
| Return on assets (ROA) | 0.0642% | 6,373 |
| Pretax return on assets | 0.0614% | 6,374 |
| Return on Equity (ROE) | 0.6964% | 6,352 |
| Retained earnings to average equity (ytd only) | 0.6964% | 5,778 |
| Net charge-offs to loans | 2.0710% | 391 |
| Credit loss provision to net charge-offs | 91.1851% | 3,005 |
| Earnings coverage of net charge-offs (x) | 0.9460% | 4,562 |
| Efficiency ratio | 58.9168% | 5,743 |
| Assets per employee ($millions) | 7.1799% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5028% | 1,277 |
| Loan loss allowance to noncurrent loans | 73.8994% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 3.8736% | 1,340 |
| Noncurrent loans to loans | 3.3868% | 1,712 |
| Net loans and leases to total assets | 75.3656% | 1,054 |
| Net loans and leases to deposits | 87.0445% | 1,469 |
| Net loans and leases to core deposits | 98.8713% | 1,186 |
| Total domestic deposits to total assets | 86.5829% | 3,020 |
| Equity capital to assets | 9.4321% | 5,155 |
| Core capital (leverage) ratio | 8.9213% | 5,021 |
| Tier 1 risk-based capital ratio | 12.2963% | 5,727 |
| Total risk-based capital ratio | 13.5639% | 5,689 |
| Memoranda: | ||
| Average total assets | $716,561,000 | 930 |
| Average earning assets | $667,177,000 | 913 |
| Average equity | $66,055,670 | 1,064 |
| Average total loans | $556,551,330 | 753 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5231% | 3,828 |
| Cost of funding earning assets | 0.7162% | 4,144 |
| Net interest margin | 3.8069% | 3,365 |
| Noninterest income to average assets | 0.0332% | 6,999 |
| Noninterest expense to average assets | 2.1250% | 6,218 |
| Loan and lease loss provision to assets | 1.7731% | 180 |
| Net operating income to assets | -0.1721% | 6,603 |
| Return on assets (ROA) | -0.1721% | 6,661 |
| Pretax return on assets | -0.3187% | 6,741 |
| Return on Equity (ROE) | -1.8877% | 6,680 |
| Retained earnings to average equity (ytd only) | -1.8877% | 6,268 |
| Net charge-offs to loans | 2.8554% | 265 |
| Credit loss provision to net charge-offs | 79.7661% | 2,730 |
| Earnings coverage of net charge-offs (x) | 0.6543% | 4,007 |
| Efficiency ratio | 59.0572% | 5,764 |
| Assets per employee ($millions) | 7.3038% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3899% | 1,526 |
| Loan loss allowance to noncurrent loans | 60.3702% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 4.3233% | 1,250 |
| Noncurrent loans to loans | 3.9587% | 1,551 |
| Net loans and leases to total assets | 75.9372% | 804 |
| Net loans and leases to deposits | 87.9436% | 1,174 |
| Net loans and leases to core deposits | 101.6554% | 880 |
| Total domestic deposits to total assets | 86.3476% | 3,335 |
| Equity capital to assets | 9.1948% | 5,242 |
| Core capital (leverage) ratio | 8.6493% | 5,382 |
| Tier 1 risk-based capital ratio | 11.8192% | 6,073 |
| Total risk-based capital ratio | 13.0851% | 6,046 |
| Memoranda: | ||
| Average total assets | $723,026,000 | 925 |
| Average earning assets | $673,517,500 | 903 |
| Average equity | $65,900,000 | 1,065 |
| Average total loans | $562,872,500 | 739 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 4,106 |
| Cost of funding earning assets | 0.9038% | 4,088 |
| Net interest margin | 3.8305% | 3,671 |
| Noninterest income to average assets | 0.1310% | 6,503 |
| Noninterest expense to average assets | 2.0978% | 6,500 |
| Loan and lease loss provision to assets | 1.4675% | 514 |
| Net operating income to assets | 0.1120% | 5,843 |
| Return on assets (ROA) | 0.1704% | 5,818 |
| Pretax return on assets | 0.2324% | 5,708 |
| Return on Equity (ROE) | 1.9377% | 5,686 |
| Retained earnings to average equity (ytd only) | 0.7247% | 5,511 |
| Net charge-offs to loans | 1.7400% | 864 |
| Credit loss provision to net charge-offs | 106.4108% | 3,191 |
| Earnings coverage of net charge-offs (x) | 1.1746% | 4,910 |
| Efficiency ratio | 56.1390% | 6,297 |
| Assets per employee ($millions) | 7.5287% | 570 |
| Cash dividends to net income (ytd only)* | 62.5978% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4822% | 1,344 |
| Loan loss allowance to noncurrent loans | 61.1458% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 4.5351% | 1,208 |
| Noncurrent loans to loans | 4.0594% | 1,537 |
| Net loans and leases to total assets | 75.9680% | 956 |
| Net loans and leases to deposits | 87.6540% | 1,430 |
| Net loans and leases to core deposits | 102.1168% | 1,019 |
| Total domestic deposits to total assets | 86.6680% | 2,937 |
| Equity capital to assets | 9.0357% | 5,509 |
| Core capital (leverage) ratio | 8.6285% | 5,345 |
| Tier 1 risk-based capital ratio | 11.7435% | 5,999 |
| Total risk-based capital ratio | 13.0109% | 5,972 |
| Memoranda: | ||
| Average total assets | $749,892,400 | 879 |
| Average earning assets | $702,171,200 | 857 |
| Average equity | $65,954,000 | 1,020 |
| Average total loans | $594,354,800 | 702 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7727% | 4,131 |
| Cost of funding earning assets | 0.9445% | 4,082 |
| Net interest margin | 3.8283% | 3,732 |
| Noninterest income to average assets | 0.1259% | 6,623 |
| Noninterest expense to average assets | 2.0782% | 6,536 |
| Loan and lease loss provision to assets | 1.2639% | 600 |
| Net operating income to assets | 0.2803% | 5,469 |
| Return on assets (ROA) | 0.3598% | 5,348 |
| Pretax return on assets | 0.4791% | 5,228 |
| Return on Equity (ROE) | 4.1184% | 4,948 |
| Retained earnings to average equity (ytd only) | 2.5010% | 4,871 |
| Net charge-offs to loans | 1.5537% | 919 |
| Credit loss provision to net charge-offs | 102.2143% | 3,268 |
| Earnings coverage of net charge-offs (x) | 1.3239% | 4,624 |
| Efficiency ratio | 55.6533% | 6,326 |
| Assets per employee ($millions) | 7.4353% | 591 |
| Cash dividends to net income (ytd only)* | 39.2735% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3102% | 1,671 |
| Loan loss allowance to noncurrent loans | 47.7415% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 4.7814% | 1,225 |
| Noncurrent loans to loans | 4.8389% | 1,321 |
| Net loans and leases to total assets | 79.0010% | 608 |
| Net loans and leases to deposits | 91.2934% | 1,072 |
| Net loans and leases to core deposits | 108.6247% | 742 |
| Total domestic deposits to total assets | 86.5353% | 2,915 |
| Equity capital to assets | 9.1749% | 5,549 |
| Core capital (leverage) ratio | 8.8886% | 5,127 |
| Tier 1 risk-based capital ratio | 11.7417% | 6,074 |
| Total risk-based capital ratio | 13.0066% | 6,065 |
| Memoranda: | ||
| Average total assets | $754,795,500 | 875 |
| Average earning assets | $707,667,000 | 853 |
| Average equity | $65,946,000 | 1,029 |
| Average total loans | $600,718,500 | 704 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7521% | 4,291 |
| Cost of funding earning assets | 0.9830% | 4,063 |
| Net interest margin | 3.7691% | 3,945 |
| Noninterest income to average assets | 0.1509% | 6,570 |
| Noninterest expense to average assets | 2.0775% | 6,638 |
| Loan and lease loss provision to assets | 1.3883% | 527 |
| Net operating income to assets | 0.1678% | 5,838 |
| Return on assets (ROA) | 0.2462% | 5,698 |
| Pretax return on assets | 0.3248% | 5,611 |
| Return on Equity (ROE) | 2.8640% | 5,451 |
| Retained earnings to average equity (ytd only) | 2.8640% | 4,459 |
| Net charge-offs to loans | 1.6214% | 904 |
| Credit loss provision to net charge-offs | 108.1412% | 2,831 |
| Earnings coverage of net charge-offs (x) | 1.2540% | 4,349 |
| Efficiency ratio | 56.0560% | 6,417 |
| Assets per employee ($millions) | 7.6754% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3195% | 1,712 |
| Loan loss allowance to noncurrent loans | 55.8457% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 4.2507% | 1,495 |
| Noncurrent loans to loans | 4.1535% | 1,643 |
| Net loans and leases to total assets | 79.1966% | 621 |
| Net loans and leases to deposits | 91.1820% | 1,137 |
| Net loans and leases to core deposits | 107.0406% | 861 |
| Total domestic deposits to total assets | 86.8556% | 2,814 |
| Equity capital to assets | 9.0370% | 5,527 |
| Core capital (leverage) ratio | 8.7146% | 5,199 |
| Tier 1 risk-based capital ratio | 11.6549% | 6,044 |
| Total risk-based capital ratio | 12.9201% | 6,032 |
| Memoranda: | ||
| Average total assets | $763,507,330 | 880 |
| Average earning assets | $716,395,670 | 850 |
| Average equity | $65,643,330 | 1,032 |
| Average total loans | $604,537,330 | 709 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6565% | 4,714 |
| Cost of funding earning assets | 1.0332% | 3,968 |
| Net interest margin | 3.6233% | 4,466 |
| Noninterest income to average assets | 0.2641% | 5,781 |
| Noninterest expense to average assets | 2.0390% | 6,757 |
| Loan and lease loss provision to assets | 1.5705% | 394 |
| Net operating income to assets | 0.0511% | 6,232 |
| Return on assets (ROA) | 0.1287% | 6,073 |
| Pretax return on assets | 0.1339% | 6,092 |
| Return on Equity (ROE) | 1.5344% | 5,969 |
| Retained earnings to average equity (ytd only) | 1.5344% | 5,193 |
| Net charge-offs to loans | 1.1623% | 1,196 |
| Credit loss provision to net charge-offs | 172.6089% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1.7844% | 3,411 |
| Efficiency ratio | 55.3915% | 6,576 |
| Assets per employee ($millions) | 8.1374% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4324% | 1,561 |
| Loan loss allowance to noncurrent loans | 69.8559% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 3.7812% | 1,783 |
| Noncurrent loans to loans | 3.4820% | 2,138 |
| Net loans and leases to total assets | 77.3002% | 827 |
| Net loans and leases to deposits | 88.1425% | 1,448 |
| Net loans and leases to core deposits | 101.8296% | 1,214 |
| Total domestic deposits to total assets | 87.6991% | 2,556 |
| Equity capital to assets | 8.5349% | 5,857 |
| Core capital (leverage) ratio | 8.3015% | 5,809 |
| Tier 1 risk-based capital ratio | 11.3204% | 6,236 |
| Total risk-based capital ratio | 12.5869% | 6,208 |
| Memoranda: | ||
| Average total assets | $776,843,000 | 867 |
| Average earning assets | $728,618,500 | 841 |
| Average equity | $65,171,000 | 1,027 |
| Average total loans | $608,103,000 | 712 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5634% | 6,208 |
| Cost of funding earning assets | 1.3216% | 3,741 |
| Net interest margin | 3.2418% | 6,161 |
| Noninterest income to average assets | 0.2131% | 6,285 |
| Noninterest expense to average assets | 2.0252% | 6,976 |
| Loan and lease loss provision to assets | 1.4361% | 1,040 |
| Net operating income to assets | -0.1056% | 5,997 |
| Return on assets (ROA) | -0.0624% | 6,024 |
| Pretax return on assets | -0.1551% | 6,053 |
| Return on Equity (ROE) | -0.8023% | 6,048 |
| Retained earnings to average equity (ytd only) | -1.4303% | 5,878 |
| Net charge-offs to loans | 1.6765% | 1,295 |
| Credit loss provision to net charge-offs | 112.3258% | 3,888 |
| Earnings coverage of net charge-offs (x) | 0.9491% | 5,159 |
| Efficiency ratio | 62.4317% | 5,651 |
| Assets per employee ($millions) | 8.2163% | 447 |
| Cash dividends to net income (ytd only)* | -78.2779% | 7,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2056% | 1,855 |
| Loan loss allowance to noncurrent loans | 61.7679% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 3.6509% | 1,888 |
| Noncurrent loans to loans | 3.5707% | 2,104 |
| Net loans and leases to total assets | 75.6527% | 1,341 |
| Net loans and leases to deposits | 85.9182% | 2,116 |
| Net loans and leases to core deposits | 99.3011% | 1,674 |
| Total domestic deposits to total assets | 88.0520% | 2,213 |
| Equity capital to assets | 8.2479% | 6,207 |
| Core capital (leverage) ratio | 7.9681% | 6,250 |
| Tier 1 risk-based capital ratio | 11.1761% | 6,197 |
| Total risk-based capital ratio | 12.4396% | 6,166 |
| Memoranda: | ||
| Average total assets | $819,259,000 | 824 |
| Average earning assets | $764,609,000 | 797 |
| Average equity | $63,694,800 | 1,047 |
| Average total loans | $624,749,800 | 710 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5094% | 6,587 |
| Cost of funding earning assets | 1.3726% | 3,758 |
| Net interest margin | 3.1368% | 6,517 |
| Noninterest income to average assets | 0.2298% | 6,254 |
| Noninterest expense to average assets | 2.0115% | 7,030 |
| Loan and lease loss provision to assets | 1.4883% | 898 |
| Net operating income to assets | -0.1560% | 6,257 |
| Return on assets (ROA) | -0.1008% | 6,274 |
| Pretax return on assets | -0.2612% | 6,378 |
| Return on Equity (ROE) | -1.3153% | 6,315 |
| Retained earnings to average equity (ytd only) | -2.1571% | 6,225 |
| Net charge-offs to loans | 1.7793% | 1,094 |
| Credit loss provision to net charge-offs | 110.0644% | 3,851 |
| Earnings coverage of net charge-offs (x) | 0.8437% | 5,206 |
| Efficiency ratio | 63.7749% | 5,286 |
| Assets per employee ($millions) | 7.7656% | 556 |
| Cash dividends to net income (ytd only)* | -64.0002% | 7,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1439% | 1,900 |
| Loan loss allowance to noncurrent loans | 55.9132% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 3.5779% | 1,990 |
| Noncurrent loans to loans | 3.8344% | 1,993 |
| Net loans and leases to total assets | 72.8317% | 2,049 |
| Net loans and leases to deposits | 82.8779% | 2,938 |
| Net loans and leases to core deposits | 97.4636% | 2,099 |
| Total domestic deposits to total assets | 87.8783% | 2,031 |
| Equity capital to assets | 8.0836% | 6,730 |
| Core capital (leverage) ratio | 7.2698% | 7,025 |
| Tier 1 risk-based capital ratio | 11.2335% | 6,156 |
| Total risk-based capital ratio | 12.4962% | 6,140 |
| Memoranda: | ||
| Average total assets | $826,881,750 | 817 |
| Average earning assets | $770,394,250 | 793 |
| Average equity | $63,354,250 | 1,055 |
| Average total loans | $628,391,750 | 703 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4982% | 6,716 |
| Cost of funding earning assets | 1.3253% | 4,377 |
| Net interest margin | 3.1729% | 6,397 |
| Noninterest income to average assets | 0.3125% | 5,666 |
| Noninterest expense to average assets | 1.9655% | 7,162 |
| Loan and lease loss provision to assets | 1.4999% | 886 |
| Net operating income to assets | -0.0840% | 6,206 |
| Return on assets (ROA) | 0.0012% | 6,187 |
| Pretax return on assets | -0.0698% | 6,218 |
| Return on Equity (ROE) | 0.0160% | 6,189 |
| Retained earnings to average equity (ytd only) | -1.2640% | 6,023 |
| Net charge-offs to loans | 1.9048% | 975 |
| Credit loss provision to net charge-offs | 102.9242% | 3,960 |
| Earnings coverage of net charge-offs (x) | 0.8900% | 4,879 |
| Efficiency ratio | 60.2465% | 6,007 |
| Assets per employee ($millions) | 7.9644% | 511 |
| Cash dividends to net income (ytd only)* | 8,000.0000% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9966% | 2,192 |
| Loan loss allowance to noncurrent loans | 53.1794% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 2.8552% | 2,531 |
| Noncurrent loans to loans | 3.7545% | 2,072 |
| Net loans and leases to total assets | 63.3961% | 4,375 |
| Net loans and leases to deposits | 71.3018% | 5,106 |
| Net loans and leases to core deposits | 103.7868% | 1,664 |
| Total domestic deposits to total assets | 88.9123% | 1,487 |
| Equity capital to assets | 6.8999% | 7,381 |
| Core capital (leverage) ratio | 8.4093% | 5,561 |
| Tier 1 risk-based capital ratio | 11.4534% | 5,819 |
| Total risk-based capital ratio | 12.7151% | 5,778 |
| Memoranda: | ||
| Average total assets | $830,711,670 | 815 |
| Average earning assets | $772,355,000 | 795 |
| Average equity | $62,501,330 | 1,064 |
| Average total loans | $635,564,000 | 701 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0128% | 4,958 |
| Cost of funding earning assets | 1.4863% | 3,644 |
| Net interest margin | 3.5265% | 5,050 |
| Noninterest income to average assets | 0.3723% | 5,164 |
| Noninterest expense to average assets | 2.0635% | 7,029 |
| Loan and lease loss provision to assets | 2.0359% | 543 |
| Net operating income to assets | -0.2547% | 6,608 |
| Return on assets (ROA) | -0.1114% | 6,519 |
| Pretax return on assets | -0.2676% | 6,607 |
| Return on Equity (ROE) | -1.4084% | 6,567 |
| Retained earnings to average equity (ytd only) | -4.0408% | 6,499 |
| Net charge-offs to loans | 1.9484% | 883 |
| Credit loss provision to net charge-offs | 124.6017% | 2,822 |
| Earnings coverage of net charge-offs (x) | 0.9452% | 4,201 |
| Efficiency ratio | 57.1944% | 6,605 |
| Assets per employee ($millions) | 7.7622% | 570 |
| Cash dividends to net income (ytd only)* | -186.9159% | 7,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0327% | 2,097 |
| Loan loss allowance to noncurrent loans | 75.8085% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 2.7787% | 2,616 |
| Noncurrent loans to loans | 2.6813% | 2,993 |
| Net loans and leases to total assets | 81.1524% | 694 |
| Net loans and leases to deposits | 92.2448% | 1,579 |
| Net loans and leases to core deposits | 119.6313% | 800 |
| Total domestic deposits to total assets | 87.9751% | 2,078 |
| Equity capital to assets | 7.8413% | 6,818 |
| Core capital (leverage) ratio | 7.9319% | 6,337 |
| Tier 1 risk-based capital ratio | 10.1983% | 6,889 |
| Total risk-based capital ratio | 11.4601% | 6,873 |
| Memoranda: | ||
| Average total assets | $768,204,500 | 904 |
| Average earning assets | $704,837,500 | 895 |
| Average equity | $60,780,000 | 1,096 |
| Average total loans | $644,227,500 | 707 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2211% | 5,549 |
| Cost of funding earning assets | 1.8264% | 3,851 |
| Net interest margin | 3.3947% | 5,386 |
| Noninterest income to average assets | 0.2065% | 6,632 |
| Noninterest expense to average assets | 2.1792% | 7,037 |
| Loan and lease loss provision to assets | 1.1373% | 2,005 |
| Net operating income to assets | 0.0531% | 5,327 |
| Return on assets (ROA) | 0.1881% | 5,009 |
| Pretax return on assets | 0.2842% | 4,806 |
| Return on Equity (ROE) | 2.3068% | 4,783 |
| Retained earnings to average equity (ytd only) | -0.8632% | 5,217 |
| Net charge-offs to loans | 0.7647% | 2,912 |
| Credit loss provision to net charge-offs | 173.3684% | 2,441 |
| Earnings coverage of net charge-offs (x) | 1.8551% | 4,331 |
| Efficiency ratio | 64.1675% | 5,745 |
| Assets per employee ($millions) | 7.8363% | 551 |
| Cash dividends to net income (ytd only)* | 137.4207% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8664% | 2,350 |
| Loan loss allowance to noncurrent loans | 70.9529% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 2.9047% | 2,413 |
| Noncurrent loans to loans | 2.6305% | 2,925 |
| Net loans and leases to total assets | 83.3031% | 509 |
| Net loans and leases to deposits | 95.7867% | 1,356 |
| Net loans and leases to core deposits | 132.7940% | 1,124 |
| Total domestic deposits to total assets | 86.9672% | 2,531 |
| Equity capital to assets | 7.9826% | 6,602 |
| Core capital (leverage) ratio | 7.9328% | 6,282 |
| Tier 1 risk-based capital ratio | 10.0194% | 6,854 |
| Total risk-based capital ratio | 11.2788% | 6,817 |
| Memoranda: | ||
| Average total assets | $754,447,200 | 906 |
| Average earning assets | $708,876,500 | 882 |
| Average equity | $61,512,800 | 1,075 |
| Average total loans | $647,177,400 | 726 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2561% | 5,655 |
| Cost of funding earning assets | 1.8972% | 3,900 |
| Net interest margin | 3.3588% | 5,414 |
| Noninterest income to average assets | 0.2505% | 6,448 |
| Noninterest expense to average assets | 2.2041% | 6,962 |
| Loan and lease loss provision to assets | 1.2728% | 1,515 |
| Net operating income to assets | -0.0666% | 5,838 |
| Return on assets (ROA) | 0.0490% | 5,642 |
| Pretax return on assets | 0.0463% | 5,617 |
| Return on Equity (ROE) | 0.5977% | 5,614 |
| Retained earnings to average equity (ytd only) | -2.0011% | 5,726 |
| Net charge-offs to loans | 0.8278% | 2,310 |
| Credit loss provision to net charge-offs | 178.7584% | 2,571 |
| Earnings coverage of net charge-offs (x) | 1.6903% | 4,530 |
| Efficiency ratio | 64.6801% | 5,620 |
| Assets per employee ($millions) | 7.4182% | 662 |
| Cash dividends to net income (ytd only)* | 434.7836% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8254% | 2,204 |
| Loan loss allowance to noncurrent loans | 78.2798% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 2.7671% | 2,509 |
| Noncurrent loans to loans | 2.3319% | 3,224 |
| Net loans and leases to total assets | 82.3208% | 762 |
| Net loans and leases to deposits | 94.6761% | 1,771 |
| Net loans and leases to core deposits | 137.8168% | 1,021 |
| Total domestic deposits to total assets | 86.9500% | 2,202 |
| Equity capital to assets | 8.0311% | 6,823 |
| Core capital (leverage) ratio | 7.8763% | 6,537 |
| Tier 1 risk-based capital ratio | 10.0111% | 6,971 |
| Total risk-based capital ratio | 11.2698% | 6,915 |
| Memoranda: | ||
| Average total assets | $751,070,250 | 922 |
| Average earning assets | $705,987,330 | 896 |
| Average equity | $61,565,250 | 1,096 |
| Average total loans | $645,997,500 | 745 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2751% | 5,772 |
| Cost of funding earning assets | 1.8327% | 4,595 |
| Net interest margin | 3.4424% | 5,016 |
| Noninterest income to average assets | 0.1877% | 6,954 |
| Noninterest expense to average assets | 2.0005% | 7,464 |
| Loan and lease loss provision to assets | 0.9385% | 1,797 |
| Net operating income to assets | 0.3545% | 4,666 |
| Return on assets (ROA) | 0.3933% | 4,644 |
| Pretax return on assets | 0.5515% | 4,464 |
| Return on Equity (ROE) | 4.6955% | 4,217 |
| Retained earnings to average equity (ytd only) | 0.7767% | 4,885 |
| Net charge-offs to loans | 0.8660% | 1,961 |
| Credit loss provision to net charge-offs | 124.7521% | 3,729 |
| Earnings coverage of net charge-offs (x) | 1.9080% | 4,151 |
| Efficiency ratio | 58.2248% | 6,831 |
| Assets per employee ($millions) | 8.6776% | 391 |
| Cash dividends to net income (ytd only)* | 83.4598% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 2,921 |
| Loan loss allowance to noncurrent loans | 63.8197% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 2.4867% | 2,592 |
| Noncurrent loans to loans | 2.4415% | 2,962 |
| Net loans and leases to total assets | 85.0898% | 494 |
| Net loans and leases to deposits | 100.8034% | 1,195 |
| Net loans and leases to core deposits | 139.3962% | 1,040 |
| Total domestic deposits to total assets | 84.4117% | 3,548 |
| Equity capital to assets | 8.2805% | 6,369 |
| Core capital (leverage) ratio | 8.2094% | 5,968 |
| Tier 1 risk-based capital ratio | 10.0036% | 6,918 |
| Total risk-based capital ratio | 11.2587% | 6,842 |
| Memoranda: | ||
| Average total assets | $670,223,000 | 1,052 |
| Average earning assets | $632,407,000 | 1,020 |
| Average equity | $56,138,330 | 1,203 |
| Average total loans | $582,208,000 | 854 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2517% | 6,110 |
| Cost of funding earning assets | 1.8841% | 4,713 |
| Net interest margin | 3.3676% | 5,260 |
| Noninterest income to average assets | 0.3083% | 5,978 |
| Noninterest expense to average assets | 1.9817% | 7,396 |
| Loan and lease loss provision to assets | 1.1666% | 1,114 |
| Net operating income to assets | 0.2540% | 5,473 |
| Return on assets (ROA) | 0.3179% | 5,397 |
| Pretax return on assets | 0.4348% | 5,294 |
| Return on Equity (ROE) | 3.7733% | 5,046 |
| Retained earnings to average equity (ytd only) | -1.9223% | 6,085 |
| Net charge-offs to loans | 0.6316% | 1,917 |
| Credit loss provision to net charge-offs | 212.1047% | 2,123 |
| Earnings coverage of net charge-offs (x) | 2.7525% | 3,389 |
| Efficiency ratio | 56.6918% | 6,871 |
| Assets per employee ($millions) | 8.4768% | 425 |
| Cash dividends to net income (ytd only)* | 150.9434% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6194% | 2,446 |
| Loan loss allowance to noncurrent loans | 68.0729% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 2.6909% | 2,114 |
| Noncurrent loans to loans | 2.3790% | 2,765 |
| Net loans and leases to total assets | 86.3618% | 398 |
| Net loans and leases to deposits | 101.5945% | 1,218 |
| Net loans and leases to core deposits | 140.0200% | 1,099 |
| Total domestic deposits to total assets | 85.0064% | 3,204 |
| Equity capital to assets | 8.3665% | 6,288 |
| Core capital (leverage) ratio | 8.1755% | 6,148 |
| Tier 1 risk-based capital ratio | 9.8803% | 7,058 |
| Total risk-based capital ratio | 11.1362% | 6,943 |
| Memoranda: | ||
| Average total assets | $666,908,500 | 1,064 |
| Average earning assets | $631,190,000 | 1,017 |
| Average equity | $56,184,000 | 1,206 |
| Average total loans | $580,788,000 | 860 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1191% | 4,944 |
| Cost of funding earning assets | 2.5532% | 3,940 |
| Net interest margin | 3.5658% | 5,035 |
| Noninterest income to average assets | 0.4399% | 5,116 |
| Noninterest expense to average assets | 2.0290% | 7,388 |
| Loan and lease loss provision to assets | 0.3918% | 3,344 |
| Net operating income to assets | 0.9359% | 2,853 |
| Return on assets (ROA) | 0.9454% | 2,667 |
| Pretax return on assets | 1.4195% | 1,909 |
| Return on Equity (ROE) | 11.2259% | 1,837 |
| Retained earnings to average equity (ytd only) | 7.8765% | 883 |
| Net charge-offs to loans | 0.4038% | 2,793 |
| Credit loss provision to net charge-offs | 110.3266% | 4,887 |
| Earnings coverage of net charge-offs (x) | 5.0605% | 3,767 |
| Efficiency ratio | 53.0310% | 7,379 |
| Assets per employee ($millions) | 7.5471% | 555 |
| Cash dividends to net income (ytd only)* | 29.8359% | 4,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 2,790 |
| Loan loss allowance to noncurrent loans | 49.2176% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 3.3092% | 1,364 |
| Noncurrent loans to loans | 3.0074% | 1,784 |
| Net loans and leases to total assets | 85.1054% | 721 |
| Net loans and leases to deposits | 100.8723% | 1,732 |
| Net loans and leases to core deposits | 131.8036% | 1,735 |
| Total domestic deposits to total assets | 84.3694% | 3,145 |
| Equity capital to assets | 8.4831% | 6,114 |
| Core capital (leverage) ratio | 8.3875% | 5,791 |
| Tier 1 risk-based capital ratio | 10.1270% | 6,599 |
| Total risk-based capital ratio | 11.3810% | 6,461 |
| Memoranda: | ||
| Average total assets | $638,111,600 | 1,049 |
| Average earning assets | $605,942,600 | 1,006 |
| Average equity | $53,742,000 | 1,254 |
| Average total loans | $561,100,600 | 849 |