Home > Valley Bank & Trust > Performance and Condition Ratios
Valley Bank & Trust, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0959% | 2,998 |
| Cost of funding earning assets | 0.1073% | 5,532 |
| Net interest margin | 3.9886% | 1,742 |
| Noninterest income to average assets | 0.9629% | 1,110 |
| Noninterest expense to average assets | 3.1342% | 1,713 |
| Loan and lease loss provision to assets | 0.0088% | 3,954 |
| Net operating income to assets | 1.4966% | 902 |
| Return on assets (ROA) | 1.4290% | 1,051 |
| Pretax return on assets | 1.4290% | 2,020 |
| Return on Equity (ROE) | 15.5939% | 574 |
| Retained earnings to average equity (ytd only) | 14.1916% | 148 |
| Net charge-offs to loans | -0.0452% | 5,138 |
| Credit loss provision to net charge-offs | -37.5000% | 4,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5540% | 2,957 |
| Assets per employee ($millions) | 4.2869% | 3,494 |
| Cash dividends to net income (ytd only)* | 8.9928% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 1,650 |
| Loan loss allowance to noncurrent loans | 110.6133% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.3478% | 1,180 |
| Noncurrent loans to loans | 1.3280% | 1,434 |
| Net loans and leases to total assets | 51.6735% | 4,596 |
| Net loans and leases to deposits | 57.6702% | 4,779 |
| Net loans and leases to core deposits | 58.2781% | 4,902 |
| Total domestic deposits to total assets | 89.6017% | 618 |
| Equity capital to assets | 9.6213% | 4,323 |
| Core capital (leverage) ratio | 9.9572% | 3,622 |
| Tier 1 risk-based capital ratio | 14.4976% | 3,183 |
| Total risk-based capital ratio | 15.6598% | 3,151 |
| Memoranda: | ||
| Average total assets | $319,566,750 | 2,078 |
| Average earning assets | $294,567,000 | 2,083 |
| Average equity | $29,284,250 | 2,425 |
| Average total loans | $165,244,500 | 2,489 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0852% | 2,876 |
| Cost of funding earning assets | 0.1154% | 5,533 |
| Net interest margin | 3.9698% | 1,711 |
| Noninterest income to average assets | 1.0783% | 861 |
| Noninterest expense to average assets | 2.9760% | 2,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7598% | 489 |
| Return on assets (ROA) | 1.6573% | 637 |
| Pretax return on assets | 1.6573% | 1,172 |
| Return on Equity (ROE) | 18.4052% | 300 |
| Retained earnings to average equity (ytd only) | 17.4916% | 84 |
| Net charge-offs to loans | 0.0492% | 2,239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 69.5250% | 844 |
| Efficiency ratio | 62.8407% | 3,843 |
| Assets per employee ($millions) | 3.8315% | 4,229 |
| Cash dividends to net income (ytd only)* | 4.9637% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4125% | 1,900 |
| Loan loss allowance to noncurrent loans | 102.2766% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.4393% | 1,084 |
| Noncurrent loans to loans | 1.3811% | 1,402 |
| Net loans and leases to total assets | 53.8921% | 4,395 |
| Net loans and leases to deposits | 60.3385% | 4,601 |
| Net loans and leases to core deposits | 60.9592% | 4,770 |
| Total domestic deposits to total assets | 89.3162% | 803 |
| Equity capital to assets | 9.9441% | 3,983 |
| Core capital (leverage) ratio | 9.7551% | 3,825 |
| Tier 1 risk-based capital ratio | 14.0808% | 3,388 |
| Total risk-based capital ratio | 15.1949% | 3,377 |
| Memoranda: | ||
| Average total assets | $316,058,330 | 2,100 |
| Average earning assets | $291,200,330 | 2,107 |
| Average equity | $28,459,330 | 2,471 |
| Average total loans | $162,621,670 | 2,525 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9137% | 3,355 |
| Cost of funding earning assets | 0.1272% | 5,515 |
| Net interest margin | 3.7865% | 2,161 |
| Noninterest income to average assets | 0.9451% | 1,119 |
| Noninterest expense to average assets | 2.9553% | 2,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4827% | 847 |
| Return on assets (ROA) | 1.4827% | 871 |
| Pretax return on assets | 1.4827% | 1,593 |
| Return on Equity (ROE) | 17.3640% | 385 |
| Retained earnings to average equity (ytd only) | 16.4478% | 184 |
| Net charge-offs to loans | -0.0304% | 4,934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5908% | 3,399 |
| Assets per employee ($millions) | 4.0086% | 3,992 |
| Cash dividends to net income (ytd only)* | 5.2766% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 1,668 |
| Loan loss allowance to noncurrent loans | 70.0198% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.4063% | 1,183 |
| Noncurrent loans to loans | 2.1536% | 797 |
| Net loans and leases to total assets | 50.4698% | 4,635 |
| Net loans and leases to deposits | 55.7213% | 4,833 |
| Net loans and leases to core deposits | 56.2746% | 4,963 |
| Total domestic deposits to total assets | 90.5754% | 445 |
| Equity capital to assets | 8.7458% | 5,041 |
| Core capital (leverage) ratio | 9.4598% | 4,162 |
| Tier 1 risk-based capital ratio | 13.7835% | 3,612 |
| Total risk-based capital ratio | 14.9374% | 3,575 |
| Memoranda: | ||
| Average total assets | $316,994,000 | 2,110 |
| Average earning assets | $292,407,000 | 2,120 |
| Average equity | $27,067,500 | 2,572 |
| Average total loans | $158,058,500 | 2,604 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0618% | 2,984 |
| Cost of funding earning assets | 0.1064% | 5,675 |
| Net interest margin | 3.9554% | 1,765 |
| Noninterest income to average assets | 0.6874% | 2,231 |
| Noninterest expense to average assets | 3.3826% | 1,397 |
| Loan and lease loss provision to assets | 0.0484% | 3,421 |
| Net operating income to assets | 0.8824% | 2,916 |
| Return on assets (ROA) | 0.9266% | 2,813 |
| Pretax return on assets | 0.9266% | 3,749 |
| Return on Equity (ROE) | 9.7162% | 2,098 |
| Retained earnings to average equity (ytd only) | 3.2990% | 3,571 |
| Net charge-offs to loans | -0.0985% | 5,588 |
| Credit loss provision to net charge-offs | -105.6738% | 4,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4207% | 1,641 |
| Assets per employee ($millions) | 3.8207% | 4,266 |
| Cash dividends to net income (ytd only)* | 66.0470% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6246% | 1,318 |
| Loan loss allowance to noncurrent loans | 62.0065% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 1.6049% | 995 |
| Noncurrent loans to loans | 2.6201% | 583 |
| Net loans and leases to total assets | 47.6612% | 4,919 |
| Net loans and leases to deposits | 52.4694% | 5,089 |
| Net loans and leases to core deposits | 53.0482% | 5,178 |
| Total domestic deposits to total assets | 90.8362% | 330 |
| Equity capital to assets | 8.3269% | 5,405 |
| Core capital (leverage) ratio | 9.0124% | 4,731 |
| Tier 1 risk-based capital ratio | 14.0270% | 3,450 |
| Total risk-based capital ratio | 15.2404% | 3,376 |
| Memoranda: | ||
| Average total assets | $307,694,800 | 2,123 |
| Average earning assets | $282,068,400 | 2,141 |
| Average equity | $29,342,600 | 2,415 |
| Average total loans | $143,195,400 | 2,738 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9935% | 3,248 |
| Cost of funding earning assets | 0.1083% | 5,727 |
| Net interest margin | 3.8851% | 2,030 |
| Noninterest income to average assets | 0.7200% | 2,082 |
| Noninterest expense to average assets | 3.2817% | 1,605 |
| Loan and lease loss provision to assets | 0.0200% | 3,838 |
| Net operating income to assets | 0.9772% | 2,532 |
| Return on assets (ROA) | 1.0365% | 2,382 |
| Pretax return on assets | 1.0365% | 3,488 |
| Return on Equity (ROE) | 10.5271% | 1,855 |
| Retained earnings to average equity (ytd only) | 8.2855% | 1,051 |
| Net charge-offs to loans | -0.1891% | 5,744 |
| Credit loss provision to net charge-offs | -23.0000% | 4,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6938% | 1,877 |
| Assets per employee ($millions) | 3.8773% | 4,170 |
| Cash dividends to net income (ytd only)* | 21.2935% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6865% | 1,249 |
| Loan loss allowance to noncurrent loans | 60.5046% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.6579% | 1,039 |
| Noncurrent loans to loans | 2.7873% | 578 |
| Net loans and leases to total assets | 44.9566% | 5,148 |
| Net loans and leases to deposits | 50.3396% | 5,283 |
| Net loans and leases to core deposits | 50.8097% | 5,356 |
| Total domestic deposits to total assets | 89.3067% | 755 |
| Equity capital to assets | 9.9228% | 4,213 |
| Core capital (leverage) ratio | 9.6916% | 3,948 |
| Tier 1 risk-based capital ratio | 15.1567% | 2,972 |
| Total risk-based capital ratio | 16.3934% | 2,913 |
| Memoranda: | ||
| Average total assets | $306,294,250 | 2,136 |
| Average earning assets | $280,584,750 | 2,155 |
| Average equity | $30,156,250 | 2,357 |
| Average total loans | $141,047,500 | 2,769 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0435% | 3,088 |
| Cost of funding earning assets | 0.1122% | 5,798 |
| Net interest margin | 3.9313% | 1,876 |
| Noninterest income to average assets | 0.6203% | 2,504 |
| Noninterest expense to average assets | 3.1709% | 1,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0490% | 2,180 |
| Return on assets (ROA) | 1.1208% | 1,993 |
| Pretax return on assets | 1.1208% | 3,123 |
| Return on Equity (ROE) | 11.4150% | 1,507 |
| Retained earnings to average equity (ytd only) | 11.4150% | 390 |
| Net charge-offs to loans | -0.0585% | 5,433 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1404% | 2,204 |
| Assets per employee ($millions) | 3.4537% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 1,639 |
| Loan loss allowance to noncurrent loans | 56.7879% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 1.8028% | 955 |
| Noncurrent loans to loans | 2.7541% | 581 |
| Net loans and leases to total assets | 46.4386% | 5,102 |
| Net loans and leases to deposits | 52.2423% | 5,237 |
| Net loans and leases to core deposits | 52.9251% | 5,324 |
| Total domestic deposits to total assets | 88.8908% | 963 |
| Equity capital to assets | 10.4552% | 3,686 |
| Core capital (leverage) ratio | 9.8398% | 3,759 |
| Tier 1 risk-based capital ratio | 15.3838% | 2,909 |
| Total risk-based capital ratio | 16.5370% | 2,877 |
| Memoranda: | ||
| Average total assets | $303,704,000 | 2,157 |
| Average earning assets | $278,074,000 | 2,181 |
| Average equity | $29,820,330 | 2,383 |
| Average total loans | $140,191,670 | 2,786 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9458% | 3,419 |
| Cost of funding earning assets | 0.1115% | 5,860 |
| Net interest margin | 3.8343% | 2,154 |
| Noninterest income to average assets | 0.6288% | 2,373 |
| Noninterest expense to average assets | 3.1914% | 1,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9511% | 2,506 |
| Return on assets (ROA) | 1.0874% | 2,052 |
| Pretax return on assets | 1.0874% | 3,140 |
| Return on Equity (ROE) | 11.4392% | 1,469 |
| Retained earnings to average equity (ytd only) | 11.4392% | 585 |
| Net charge-offs to loans | -0.0115% | 4,585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0398% | 2,042 |
| Assets per employee ($millions) | 3.6520% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 1,858 |
| Loan loss allowance to noncurrent loans | 59.3520% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 1.7896% | 1,042 |
| Noncurrent loans to loans | 2.5823% | 712 |
| Net loans and leases to total assets | 45.6551% | 5,143 |
| Net loans and leases to deposits | 50.8874% | 5,291 |
| Net loans and leases to core deposits | 51.5317% | 5,378 |
| Total domestic deposits to total assets | 89.7177% | 722 |
| Equity capital to assets | 9.7017% | 4,446 |
| Core capital (leverage) ratio | 9.4830% | 4,225 |
| Tier 1 risk-based capital ratio | 14.8923% | 3,203 |
| Total risk-based capital ratio | 16.0266% | 3,190 |
| Memoranda: | ||
| Average total assets | $305,320,000 | 2,152 |
| Average earning assets | $279,793,500 | 2,182 |
| Average equity | $29,023,000 | 2,430 |
| Average total loans | $139,411,500 | 2,797 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0087% | 3,281 |
| Cost of funding earning assets | 0.1227% | 5,867 |
| Net interest margin | 3.8860% | 2,078 |
| Noninterest income to average assets | 0.7346% | 2,045 |
| Noninterest expense to average assets | 3.4367% | 1,419 |
| Loan and lease loss provision to assets | 0.0462% | 3,403 |
| Net operating income to assets | 0.7838% | 3,403 |
| Return on assets (ROA) | 0.7686% | 3,557 |
| Pretax return on assets | 0.7686% | 4,307 |
| Return on Equity (ROE) | 8.4560% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.4560% | 789 |
| Net charge-offs to loans | 0.2095% | 1,404 |
| Credit loss provision to net charge-offs | 49.6377% | 3,412 |
| Earnings coverage of net charge-offs (x) | 8.9239% | 2,885 |
| Efficiency ratio | 80.5481% | 1,602 |
| Assets per employee ($millions) | 3.5334% | 4,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5931% | 1,634 |
| Loan loss allowance to noncurrent loans | 59.9945% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 1.9531% | 915 |
| Noncurrent loans to loans | 2.6555% | 670 |
| Net loans and leases to total assets | 44.2331% | 5,268 |
| Net loans and leases to deposits | 49.1130% | 5,433 |
| Net loans and leases to core deposits | 49.7937% | 5,509 |
| Total domestic deposits to total assets | 90.0638% | 607 |
| Equity capital to assets | 9.3079% | 4,782 |
| Core capital (leverage) ratio | 8.9150% | 4,984 |
| Tier 1 risk-based capital ratio | 14.4556% | 3,467 |
| Total risk-based capital ratio | 15.5918% | 3,438 |
| Memoranda: | ||
| Average total assets | $296,767,800 | 2,167 |
| Average earning assets | $269,740,800 | 2,205 |
| Average equity | $26,974,800 | 2,552 |
| Average total loans | $131,714,200 | 2,862 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9216% | 3,678 |
| Cost of funding earning assets | 0.1245% | 5,950 |
| Net interest margin | 3.7971% | 2,399 |
| Noninterest income to average assets | 0.8267% | 1,699 |
| Noninterest expense to average assets | 3.5123% | 1,262 |
| Loan and lease loss provision to assets | 0.0063% | 4,133 |
| Net operating income to assets | 0.7534% | 3,666 |
| Return on assets (ROA) | 0.7227% | 3,910 |
| Pretax return on assets | 0.7227% | 4,605 |
| Return on Equity (ROE) | 8.0006% | 3,066 |
| Retained earnings to average equity (ytd only) | 8.0006% | 1,240 |
| Net charge-offs to loans | 0.3045% | 879 |
| Credit loss provision to net charge-offs | 4.6980% | 3,490 |
| Earnings coverage of net charge-offs (x) | 5.6410% | 3,175 |
| Efficiency ratio | 82.2154% | 1,363 |
| Assets per employee ($millions) | 3.5418% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5419% | 1,994 |
| Loan loss allowance to noncurrent loans | 36.9743% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 2.5979% | 643 |
| Noncurrent loans to loans | 4.1703% | 297 |
| Net loans and leases to total assets | 41.6092% | 5,508 |
| Net loans and leases to deposits | 45.9265% | 5,651 |
| Net loans and leases to core deposits | 46.5018% | 5,717 |
| Total domestic deposits to total assets | 90.5995% | 363 |
| Equity capital to assets | 8.8371% | 5,453 |
| Core capital (leverage) ratio | 9.0840% | 4,903 |
| Tier 1 risk-based capital ratio | 14.5054% | 3,571 |
| Total risk-based capital ratio | 15.5881% | 3,579 |
| Memoranda: | ||
| Average total assets | $294,992,250 | 2,193 |
| Average earning assets | $267,673,750 | 2,226 |
| Average equity | $26,647,500 | 2,591 |
| Average total loans | $130,496,000 | 2,898 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9427% | 3,522 |
| Cost of funding earning assets | 0.1277% | 5,996 |
| Net interest margin | 3.8150% | 2,253 |
| Noninterest income to average assets | 0.9287% | 1,362 |
| Noninterest expense to average assets | 3.6762% | 1,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7000% | 3,896 |
| Return on assets (ROA) | 0.6530% | 4,218 |
| Pretax return on assets | 0.6530% | 4,813 |
| Return on Equity (ROE) | 7.1729% | 3,510 |
| Retained earnings to average equity (ytd only) | 7.1729% | 1,630 |
| Net charge-offs to loans | 0.4735% | 535 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.2890% | 3,210 |
| Efficiency ratio | 84.0044% | 1,266 |
| Assets per employee ($millions) | 3.3118% | 5,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5217% | 2,199 |
| Loan loss allowance to noncurrent loans | 34.0574% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 3.2739% | 467 |
| Noncurrent loans to loans | 4.4680% | 305 |
| Net loans and leases to total assets | 44.0660% | 5,377 |
| Net loans and leases to deposits | 48.6732% | 5,568 |
| Net loans and leases to core deposits | 49.4896% | 5,631 |
| Total domestic deposits to total assets | 90.5344% | 442 |
| Equity capital to assets | 8.9133% | 5,328 |
| Core capital (leverage) ratio | 9.0701% | 4,864 |
| Tier 1 risk-based capital ratio | 13.9847% | 3,937 |
| Total risk-based capital ratio | 15.0416% | 3,974 |
| Memoranda: | ||
| Average total assets | $289,431,000 | 2,237 |
| Average earning assets | $261,544,670 | 2,289 |
| Average equity | $26,349,000 | 2,627 |
| Average total loans | $130,089,000 | 2,910 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0352% | 3,098 |
| Cost of funding earning assets | 0.1300% | 6,060 |
| Net interest margin | 3.9052% | 1,882 |
| Noninterest income to average assets | 0.7072% | 2,136 |
| Noninterest expense to average assets | 3.5987% | 1,140 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6277% | 4,158 |
| Return on assets (ROA) | 0.5328% | 4,650 |
| Pretax return on assets | 0.5328% | 5,090 |
| Return on Equity (ROE) | 5.7906% | 4,143 |
| Retained earnings to average equity (ytd only) | 5.7906% | 2,612 |
| Net charge-offs to loans | 1.1270% | 207 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.2363% | 2,950 |
| Efficiency ratio | 85.1485% | 1,257 |
| Assets per employee ($millions) | 3.4054% | 5,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 2,429 |
| Loan loss allowance to noncurrent loans | 37.8101% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 3.2274% | 550 |
| Noncurrent loans to loans | 3.9762% | 444 |
| Net loans and leases to total assets | 44.1579% | 5,340 |
| Net loans and leases to deposits | 49.0034% | 5,516 |
| Net loans and leases to core deposits | 49.8438% | 5,600 |
| Total domestic deposits to total assets | 90.1120% | 694 |
| Equity capital to assets | 9.2973% | 4,973 |
| Core capital (leverage) ratio | 9.1974% | 4,718 |
| Tier 1 risk-based capital ratio | 14.0697% | 3,962 |
| Total risk-based capital ratio | 15.1215% | 4,027 |
| Memoranda: | ||
| Average total assets | $286,771,000 | 2,275 |
| Average earning assets | $258,425,500 | 2,321 |
| Average equity | $26,387,500 | 2,637 |
| Average total loans | $129,187,500 | 2,921 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2888% | 2,651 |
| Cost of funding earning assets | 0.1624% | 6,028 |
| Net interest margin | 4.1264% | 1,499 |
| Noninterest income to average assets | 0.6825% | 2,382 |
| Noninterest expense to average assets | 3.7113% | 1,125 |
| Loan and lease loss provision to assets | -0.2602% | 6,343 |
| Net operating income to assets | 0.8998% | 2,871 |
| Return on assets (ROA) | 0.8586% | 3,167 |
| Pretax return on assets | 0.8586% | 4,037 |
| Return on Equity (ROE) | 10.0971% | 2,076 |
| Retained earnings to average equity (ytd only) | 10.0971% | 503 |
| Net charge-offs to loans | -0.8428% | 6,441 |
| Credit loss provision to net charge-offs | 67.3203% | 3,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3007% | 1,250 |
| Assets per employee ($millions) | 3.3421% | 5,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8001% | 1,536 |
| Loan loss allowance to noncurrent loans | 39.5321% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 3.6310% | 502 |
| Noncurrent loans to loans | 4.5535% | 359 |
| Net loans and leases to total assets | 44.4553% | 5,436 |
| Net loans and leases to deposits | 49.2376% | 5,618 |
| Net loans and leases to core deposits | 50.0458% | 5,713 |
| Total domestic deposits to total assets | 90.2873% | 615 |
| Equity capital to assets | 9.1041% | 5,172 |
| Core capital (leverage) ratio | 8.9816% | 5,024 |
| Tier 1 risk-based capital ratio | 14.5935% | 3,724 |
| Total risk-based capital ratio | 15.8316% | 3,662 |
| Memoranda: | ||
| Average total assets | $277,075,400 | 2,303 |
| Average earning assets | $246,318,600 | 2,375 |
| Average equity | $23,561,200 | 2,791 |
| Average total loans | $127,079,400 | 2,926 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3117% | 2,577 |
| Cost of funding earning assets | 0.1688% | 6,072 |
| Net interest margin | 4.1429% | 1,455 |
| Noninterest income to average assets | 0.7506% | 2,095 |
| Noninterest expense to average assets | 3.6906% | 1,137 |
| Loan and lease loss provision to assets | -0.3511% | 6,492 |
| Net operating income to assets | 1.0838% | 2,098 |
| Return on assets (ROA) | 1.0412% | 2,335 |
| Pretax return on assets | 1.0412% | 3,422 |
| Return on Equity (ROE) | 12.4712% | 1,346 |
| Retained earnings to average equity (ytd only) | 12.4712% | 378 |
| Net charge-offs to loans | -1.0250% | 6,519 |
| Credit loss provision to net charge-offs | 74.4353% | 2,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4355% | 1,454 |
| Assets per employee ($millions) | 3.3291% | 5,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7080% | 1,945 |
| Loan loss allowance to noncurrent loans | 38.2119% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 4.0144% | 491 |
| Noncurrent loans to loans | 4.4697% | 444 |
| Net loans and leases to total assets | 45.5629% | 5,411 |
| Net loans and leases to deposits | 50.4209% | 5,624 |
| Net loans and leases to core deposits | 51.2603% | 5,728 |
| Total domestic deposits to total assets | 90.3652% | 585 |
| Equity capital to assets | 9.0938% | 5,257 |
| Core capital (leverage) ratio | 9.1161% | 4,909 |
| Tier 1 risk-based capital ratio | 14.5126% | 3,873 |
| Total risk-based capital ratio | 15.7625% | 3,815 |
| Memoranda: | ||
| Average total assets | $275,324,000 | 2,332 |
| Average earning assets | $244,075,500 | 2,409 |
| Average equity | $22,985,750 | 2,858 |
| Average total loans | $126,698,250 | 2,942 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2827% | 2,646 |
| Cost of funding earning assets | 0.1774% | 6,091 |
| Net interest margin | 4.1053% | 1,489 |
| Noninterest income to average assets | 0.8186% | 1,767 |
| Noninterest expense to average assets | 3.7687% | 1,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6667% | 4,012 |
| Return on assets (ROA) | 0.5893% | 4,503 |
| Pretax return on assets | 0.5893% | 4,983 |
| Return on Equity (ROE) | 7.2798% | 3,480 |
| Retained earnings to average equity (ytd only) | 7.2798% | 1,627 |
| Net charge-offs to loans | -1.5558% | 6,593 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9687% | 1,391 |
| Assets per employee ($millions) | 3.1985% | 5,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3071% | 888 |
| Loan loss allowance to noncurrent loans | 38.6728% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 4.8696% | 376 |
| Noncurrent loans to loans | 5.9656% | 265 |
| Net loans and leases to total assets | 45.8383% | 5,377 |
| Net loans and leases to deposits | 50.5258% | 5,599 |
| Net loans and leases to core deposits | 51.5090% | 5,694 |
| Total domestic deposits to total assets | 90.7225% | 499 |
| Equity capital to assets | 8.7857% | 5,533 |
| Core capital (leverage) ratio | 8.8883% | 5,180 |
| Tier 1 risk-based capital ratio | 13.8418% | 4,354 |
| Total risk-based capital ratio | 15.0948% | 4,308 |
| Memoranda: | ||
| Average total assets | $273,884,670 | 2,345 |
| Average earning assets | $241,297,000 | 2,431 |
| Average equity | $22,171,000 | 2,929 |
| Average total loans | $125,722,000 | 2,952 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2776% | 2,603 |
| Cost of funding earning assets | 0.1834% | 6,131 |
| Net interest margin | 4.0942% | 1,467 |
| Noninterest income to average assets | 0.7232% | 2,068 |
| Noninterest expense to average assets | 3.6975% | 1,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6315% | 4,039 |
| Return on assets (ROA) | 0.3507% | 5,366 |
| Pretax return on assets | 0.3507% | 5,593 |
| Return on Equity (ROE) | 4.5230% | 4,775 |
| Retained earnings to average equity (ytd only) | 4.5230% | 3,404 |
| Net charge-offs to loans | -0.0833% | 6,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4118% | 1,506 |
| Assets per employee ($millions) | 3.1950% | 5,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5610% | 2,881 |
| Loan loss allowance to noncurrent loans | 27.7144% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 5.0475% | 399 |
| Noncurrent loans to loans | 5.6325% | 350 |
| Net loans and leases to total assets | 45.6939% | 5,359 |
| Net loans and leases to deposits | 50.6603% | 5,547 |
| Net loans and leases to core deposits | 51.6479% | 5,643 |
| Total domestic deposits to total assets | 90.1966% | 971 |
| Equity capital to assets | 8.0590% | 6,012 |
| Core capital (leverage) ratio | 8.5665% | 5,564 |
| Tier 1 risk-based capital ratio | 13.0513% | 4,976 |
| Total risk-based capital ratio | 14.1586% | 4,996 |
| Memoranda: | ||
| Average total assets | $274,890,500 | 2,339 |
| Average earning assets | $242,097,500 | 2,420 |
| Average equity | $21,313,500 | 3,015 |
| Average total loans | $124,800,500 | 2,975 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 3,088 |
| Cost of funding earning assets | 0.2407% | 6,027 |
| Net interest margin | 4.0251% | 1,879 |
| Noninterest income to average assets | 0.8866% | 1,728 |
| Noninterest expense to average assets | 4.5676% | 496 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.1358% | 6,329 |
| Return on assets (ROA) | -0.0720% | 6,300 |
| Pretax return on assets | -0.0720% | 6,271 |
| Return on Equity (ROE) | -0.8862% | 6,316 |
| Retained earnings to average equity (ytd only) | -0.8862% | 6,046 |
| Net charge-offs to loans | 0.5092% | 1,298 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -0.6077% | 5,218 |
| Efficiency ratio | 103.0650% | 395 |
| Assets per employee ($millions) | 3.1978% | 5,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6099% | 2,719 |
| Loan loss allowance to noncurrent loans | 26.7202% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 5.1947% | 442 |
| Noncurrent loans to loans | 6.0251% | 340 |
| Net loans and leases to total assets | 43.6680% | 5,702 |
| Net loans and leases to deposits | 47.4486% | 5,930 |
| Net loans and leases to core deposits | 48.4084% | 6,009 |
| Total domestic deposits to total assets | 92.0323% | 279 |
| Equity capital to assets | 7.4481% | 6,307 |
| Core capital (leverage) ratio | 8.4145% | 5,762 |
| Tier 1 risk-based capital ratio | 13.1759% | 4,869 |
| Total risk-based capital ratio | 14.2938% | 4,891 |
| Memoranda: | ||
| Average total assets | $267,976,600 | 2,369 |
| Average earning assets | $236,021,600 | 2,459 |
| Average equity | $21,779,600 | 2,947 |
| Average total loans | $117,637,000 | 3,086 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2691% | 3,116 |
| Cost of funding earning assets | 0.2530% | 6,063 |
| Net interest margin | 4.0161% | 1,894 |
| Noninterest income to average assets | 0.9270% | 1,667 |
| Noninterest expense to average assets | 4.7749% | 409 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.3180% | 6,532 |
| Return on assets (ROA) | -0.2614% | 6,515 |
| Pretax return on assets | -0.2614% | 6,496 |
| Return on Equity (ROE) | -3.1487% | 6,530 |
| Retained earnings to average equity (ytd only) | -3.1487% | 6,367 |
| Net charge-offs to loans | 0.6888% | 872 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.0548% | 5,020 |
| Efficiency ratio | 107.1356% | 311 |
| Assets per employee ($millions) | 2.8468% | 6,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 2,890 |
| Loan loss allowance to noncurrent loans | 25.4640% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 5.3513% | 503 |
| Noncurrent loans to loans | 6.3950% | 362 |
| Net loans and leases to total assets | 42.9217% | 5,826 |
| Net loans and leases to deposits | 46.6219% | 6,058 |
| Net loans and leases to core deposits | 47.6649% | 6,139 |
| Total domestic deposits to total assets | 92.0634% | 239 |
| Equity capital to assets | 7.4564% | 6,408 |
| Core capital (leverage) ratio | 8.4250% | 5,837 |
| Tier 1 risk-based capital ratio | 12.5381% | 5,438 |
| Total risk-based capital ratio | 13.6123% | 5,474 |
| Memoranda: | ||
| Average total assets | $266,218,500 | 2,395 |
| Average earning assets | $233,987,750 | 2,497 |
| Average equity | $22,103,750 | 2,952 |
| Average total loans | $116,532,250 | 3,130 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2514% | 3,149 |
| Cost of funding earning assets | 0.2602% | 6,102 |
| Net interest margin | 3.9912% | 1,891 |
| Noninterest income to average assets | 0.9501% | 1,654 |
| Noninterest expense to average assets | 5.1835% | 314 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.7097% | 6,694 |
| Return on assets (ROA) | -0.6238% | 6,687 |
| Pretax return on assets | -0.6238% | 6,667 |
| Return on Equity (ROE) | -7.2540% | 6,698 |
| Retained earnings to average equity (ytd only) | -7.2540% | 6,585 |
| Net charge-offs to loans | 1.1353% | 522 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -1.4266% | 4,741 |
| Efficiency ratio | 115.8646% | 214 |
| Assets per employee ($millions) | 2.5868% | 6,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6276% | 3,062 |
| Loan loss allowance to noncurrent loans | 24.3622% | 6,200 |
| Noncurrent assets plus other real estate owned to assets | 5.6559% | 511 |
| Noncurrent loans to loans | 6.6808% | 380 |
| Net loans and leases to total assets | 43.7527% | 5,761 |
| Net loans and leases to deposits | 47.5258% | 6,014 |
| Net loans and leases to core deposits | 48.5344% | 6,105 |
| Total domestic deposits to total assets | 92.0610% | 241 |
| Equity capital to assets | 7.4683% | 6,453 |
| Core capital (leverage) ratio | 8.5394% | 5,622 |
| Tier 1 risk-based capital ratio | 12.6200% | 5,415 |
| Total risk-based capital ratio | 13.6845% | 5,488 |
| Memoranda: | ||
| Average total assets | $262,912,000 | 2,430 |
| Average earning assets | $232,109,330 | 2,517 |
| Average equity | $22,608,330 | 2,912 |
| Average total loans | $115,214,670 | 3,164 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1689% | 3,426 |
| Cost of funding earning assets | 0.2670% | 6,179 |
| Net interest margin | 3.9019% | 2,116 |
| Noninterest income to average assets | 0.9968% | 1,468 |
| Noninterest expense to average assets | 5.3665% | 289 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.9175% | 6,788 |
| Return on assets (ROA) | -0.9541% | 6,811 |
| Pretax return on assets | -0.9541% | 6,797 |
| Return on Equity (ROE) | -10.4073% | 6,813 |
| Retained earnings to average equity (ytd only) | -10.4073% | 6,632 |
| Net charge-offs to loans | 2.6212% | 151 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.8048% | 3,950 |
| Efficiency ratio | 120.6235% | 212 |
| Assets per employee ($millions) | 2.6235% | 6,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6213% | 3,309 |
| Loan loss allowance to noncurrent loans | 23.6921% | 6,235 |
| Noncurrent assets plus other real estate owned to assets | 5.3306% | 655 |
| Noncurrent loans to loans | 6.8432% | 440 |
| Net loans and leases to total assets | 42.0016% | 5,842 |
| Net loans and leases to deposits | 46.4086% | 6,033 |
| Net loans and leases to core deposits | 47.5708% | 6,117 |
| Total domestic deposits to total assets | 90.5041% | 766 |
| Equity capital to assets | 8.9871% | 5,498 |
| Core capital (leverage) ratio | 8.7928% | 5,198 |
| Tier 1 risk-based capital ratio | 13.2221% | 5,057 |
| Total risk-based capital ratio | 14.2658% | 5,153 |
| Memoranda: | ||
| Average total assets | $262,443,500 | 2,471 |
| Average earning assets | $232,197,000 | 2,553 |
| Average equity | $24,060,000 | 2,800 |
| Average total loans | $114,146,500 | 3,200 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7836% | 2,255 |
| Cost of funding earning assets | 0.3503% | 6,212 |
| Net interest margin | 4.4333% | 1,082 |
| Noninterest income to average assets | 0.8859% | 1,912 |
| Noninterest expense to average assets | 4.3423% | 651 |
| Loan and lease loss provision to assets | 0.3872% | 1,685 |
| Net operating income to assets | 0.0031% | 6,163 |
| Return on assets (ROA) | 0.3318% | 5,571 |
| Pretax return on assets | 0.3318% | 5,760 |
| Return on Equity (ROE) | 3.5859% | 5,311 |
| Retained earnings to average equity (ytd only) | 3.5859% | 3,687 |
| Net charge-offs to loans | 1.4536% | 626 |
| Credit loss provision to net charge-offs | 55.6748% | 4,556 |
| Earnings coverage of net charge-offs (x) | 0.5613% | 5,208 |
| Efficiency ratio | 91.7524% | 937 |
| Assets per employee ($millions) | 2.6253% | 6,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2049% | 1,543 |
| Loan loss allowance to noncurrent loans | 36.0923% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 4.7925% | 832 |
| Noncurrent loans to loans | 6.1092% | 583 |
| Net loans and leases to total assets | 43.3165% | 5,880 |
| Net loans and leases to deposits | 48.0539% | 6,107 |
| Net loans and leases to core deposits | 49.2614% | 6,192 |
| Total domestic deposits to total assets | 90.1414% | 878 |
| Equity capital to assets | 9.3482% | 5,084 |
| Core capital (leverage) ratio | 8.9117% | 5,030 |
| Tier 1 risk-based capital ratio | 13.4146% | 4,816 |
| Total risk-based capital ratio | 14.6669% | 4,764 |
| Memoranda: | ||
| Average total assets | $254,656,000 | 2,490 |
| Average earning assets | $220,964,800 | 2,608 |
| Average equity | $23,564,600 | 2,795 |
| Average total loans | $121,831,800 | 3,037 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8326% | 2,274 |
| Cost of funding earning assets | 0.3693% | 6,280 |
| Net interest margin | 4.4633% | 1,066 |
| Noninterest income to average assets | 0.9070% | 1,808 |
| Noninterest expense to average assets | 4.1695% | 753 |
| Loan and lease loss provision to assets | 0.5203% | 1,156 |
| Net operating income to assets | 0.0818% | 6,154 |
| Return on assets (ROA) | 0.4258% | 5,376 |
| Pretax return on assets | 0.4258% | 5,656 |
| Return on Equity (ROE) | 4.6139% | 4,996 |
| Retained earnings to average equity (ytd only) | 4.6139% | 3,658 |
| Net charge-offs to loans | 1.6923% | 484 |
| Credit loss provision to net charge-offs | 63.0435% | 4,074 |
| Earnings coverage of net charge-offs (x) | 0.7295% | 4,963 |
| Efficiency ratio | 87.3825% | 1,261 |
| Assets per employee ($millions) | 2.7614% | 6,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3139% | 1,491 |
| Loan loss allowance to noncurrent loans | 39.6991% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 5.3269% | 812 |
| Noncurrent loans to loans | 5.8285% | 714 |
| Net loans and leases to total assets | 44.1301% | 5,959 |
| Net loans and leases to deposits | 48.9678% | 6,192 |
| Net loans and leases to core deposits | 50.1823% | 6,270 |
| Total domestic deposits to total assets | 90.1208% | 784 |
| Equity capital to assets | 9.4054% | 5,323 |
| Core capital (leverage) ratio | 9.0826% | 4,942 |
| Tier 1 risk-based capital ratio | 13.6029% | 4,814 |
| Total risk-based capital ratio | 14.8574% | 4,768 |
| Memoranda: | ||
| Average total assets | $252,686,750 | 2,531 |
| Average earning assets | $218,785,500 | 2,657 |
| Average equity | $23,320,250 | 2,844 |
| Average total loans | $123,218,750 | 3,049 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8875% | 2,161 |
| Cost of funding earning assets | 0.3818% | 6,369 |
| Net interest margin | 4.5057% | 983 |
| Noninterest income to average assets | 0.9286% | 1,675 |
| Noninterest expense to average assets | 4.2398% | 700 |
| Loan and lease loss provision to assets | 0.7934% | 638 |
| Net operating income to assets | -0.2116% | 6,557 |
| Return on assets (ROA) | -0.0314% | 6,481 |
| Pretax return on assets | -0.0314% | 6,471 |
| Return on Equity (ROE) | -0.3424% | 6,486 |
| Retained earnings to average equity (ytd only) | -0.3424% | 6,094 |
| Net charge-offs to loans | 2.5166% | 278 |
| Credit loss provision to net charge-offs | 63.0032% | 3,726 |
| Earnings coverage of net charge-offs (x) | 0.4620% | 4,847 |
| Efficiency ratio | 87.9339% | 1,241 |
| Assets per employee ($millions) | 2.4843% | 6,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2840% | 1,617 |
| Loan loss allowance to noncurrent loans | 24.9302% | 6,364 |
| Noncurrent assets plus other real estate owned to assets | 7.3886% | 499 |
| Noncurrent loans to loans | 9.1614% | 322 |
| Net loans and leases to total assets | 46.7674% | 5,747 |
| Net loans and leases to deposits | 51.7873% | 6,039 |
| Net loans and leases to core deposits | 53.1967% | 6,145 |
| Total domestic deposits to total assets | 90.3067% | 762 |
| Equity capital to assets | 9.2331% | 5,428 |
| Core capital (leverage) ratio | 9.1116% | 4,747 |
| Tier 1 risk-based capital ratio | 13.0155% | 5,178 |
| Total risk-based capital ratio | 14.2689% | 5,147 |
| Memoranda: | ||
| Average total assets | $248,552,000 | 2,562 |
| Average earning assets | $214,750,670 | 2,706 |
| Average equity | $22,782,670 | 2,880 |
| Average total loans | $124,373,000 | 3,037 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9380% | 2,098 |
| Cost of funding earning assets | 0.3875% | 6,473 |
| Net interest margin | 4.5505% | 917 |
| Noninterest income to average assets | 0.8906% | 1,785 |
| Noninterest expense to average assets | 4.5814% | 514 |
| Loan and lease loss provision to assets | 1.6024% | 210 |
| Net operating income to assets | -1.3619% | 7,068 |
| Return on assets (ROA) | -1.3196% | 7,071 |
| Pretax return on assets | -1.3196% | 7,047 |
| Return on Equity (ROE) | -14.4513% | 7,058 |
| Retained earnings to average equity (ytd only) | -14.4513% | 6,960 |
| Net charge-offs to loans | 4.7491% | 106 |
| Credit loss provision to net charge-offs | 65.9532% | 2,997 |
| Earnings coverage of net charge-offs (x) | 0.0990% | 4,320 |
| Efficiency ratio | 95.0118% | 767 |
| Assets per employee ($millions) | 2.5474% | 6,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2719% | 1,734 |
| Loan loss allowance to noncurrent loans | 22.4098% | 6,477 |
| Noncurrent assets plus other real estate owned to assets | 8.1232% | 464 |
| Noncurrent loans to loans | 10.1382% | 297 |
| Net loans and leases to total assets | 49.4399% | 5,381 |
| Net loans and leases to deposits | 54.5868% | 5,751 |
| Net loans and leases to core deposits | 55.6653% | 5,934 |
| Total domestic deposits to total assets | 90.5712% | 765 |
| Equity capital to assets | 8.8922% | 5,647 |
| Core capital (leverage) ratio | 8.9679% | 4,888 |
| Tier 1 risk-based capital ratio | 12.2327% | 5,801 |
| Total risk-based capital ratio | 13.4865% | 5,770 |
| Memoranda: | ||
| Average total assets | $246,126,500 | 2,594 |
| Average earning assets | $212,635,500 | 2,741 |
| Average equity | $22,475,500 | 2,917 |
| Average total loans | $125,919,500 | 3,026 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5572% | 1,041 |
| Cost of funding earning assets | 0.5011% | 6,530 |
| Net interest margin | 5.0561% | 363 |
| Noninterest income to average assets | 0.9576% | 1,481 |
| Noninterest expense to average assets | 4.9038% | 405 |
| Loan and lease loss provision to assets | 0.5578% | 1,872 |
| Net operating income to assets | -0.2500% | 6,298 |
| Return on assets (ROA) | 0.2146% | 5,684 |
| Pretax return on assets | 0.2146% | 5,746 |
| Return on Equity (ROE) | 2.2784% | 5,551 |
| Retained earnings to average equity (ytd only) | 2.2784% | 4,592 |
| Net charge-offs to loans | 0.1406% | 5,022 |
| Credit loss provision to net charge-offs | 700.0000% | 313 |
| Earnings coverage of net charge-offs (x) | 3.8624% | 3,363 |
| Efficiency ratio | 94.0939% | 917 |
| Assets per employee ($millions) | 2.5274% | 6,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6404% | 1,142 |
| Loan loss allowance to noncurrent loans | 28.2140% | 6,291 |
| Noncurrent assets plus other real estate owned to assets | 7.8798% | 526 |
| Noncurrent loans to loans | 9.3585% | 363 |
| Net loans and leases to total assets | 50.3702% | 5,539 |
| Net loans and leases to deposits | 55.8967% | 5,906 |
| Net loans and leases to core deposits | 56.9348% | 6,086 |
| Total domestic deposits to total assets | 90.1129% | 933 |
| Equity capital to assets | 9.3731% | 5,056 |
| Core capital (leverage) ratio | 9.3479% | 4,253 |
| Tier 1 risk-based capital ratio | 13.4718% | 4,715 |
| Total risk-based capital ratio | 14.7310% | 4,671 |
| Memoranda: | ||
| Average total assets | $237,162,600 | 2,661 |
| Average earning assets | $199,542,000 | 2,861 |
| Average equity | $22,340,200 | 2,856 |
| Average total loans | $134,449,600 | 2,913 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7573% | 763 |
| Cost of funding earning assets | 0.5285% | 6,583 |
| Net interest margin | 5.2288% | 274 |
| Noninterest income to average assets | 0.9911% | 1,360 |
| Noninterest expense to average assets | 5.0681% | 352 |
| Loan and lease loss provision to assets | 0.7501% | 1,270 |
| Net operating income to assets | -0.4575% | 6,618 |
| Return on assets (ROA) | 0.1055% | 6,065 |
| Pretax return on assets | 0.1055% | 6,082 |
| Return on Equity (ROE) | 1.1181% | 6,044 |
| Retained earnings to average equity (ytd only) | 1.1181% | 5,569 |
| Net charge-offs to loans | 0.0997% | 4,988 |
| Credit loss provision to net charge-offs | 1,297.0588% | 212 |
| Earnings coverage of net charge-offs (x) | 5.0587% | 2,885 |
| Efficiency ratio | 94.5426% | 888 |
| Assets per employee ($millions) | 2.5290% | 6,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5672% | 1,309 |
| Loan loss allowance to noncurrent loans | 40.8367% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 7.1755% | 678 |
| Noncurrent loans to loans | 6.2866% | 859 |
| Net loans and leases to total assets | 54.8552% | 5,020 |
| Net loans and leases to deposits | 61.0136% | 5,515 |
| Net loans and leases to core deposits | 62.2586% | 5,798 |
| Total domestic deposits to total assets | 89.9064% | 917 |
| Equity capital to assets | 9.5766% | 4,969 |
| Core capital (leverage) ratio | 9.4975% | 4,147 |
| Tier 1 risk-based capital ratio | 13.0009% | 5,097 |
| Total risk-based capital ratio | 14.2598% | 5,058 |
| Memoranda: | ||
| Average total assets | $235,163,500 | 2,688 |
| Average earning assets | $196,521,750 | 2,910 |
| Average equity | $22,180,500 | 2,869 |
| Average total loans | $136,353,000 | 2,901 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7525% | 791 |
| Cost of funding earning assets | 0.5593% | 6,628 |
| Net interest margin | 5.1932% | 278 |
| Noninterest income to average assets | 0.9253% | 1,557 |
| Noninterest expense to average assets | 5.0847% | 346 |
| Loan and lease loss provision to assets | 0.2851% | 3,100 |
| Net operating income to assets | -0.1255% | 6,380 |
| Return on assets (ROA) | 0.0137% | 6,282 |
| Pretax return on assets | 0.0137% | 6,250 |
| Return on Equity (ROE) | 0.1456% | 6,278 |
| Retained earnings to average equity (ytd only) | 0.1456% | 5,781 |
| Net charge-offs to loans | 0.0029% | 5,846 |
| Credit loss provision to net charge-offs | 16,700.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 93.5000% | 384 |
| Efficiency ratio | 96.9564% | 838 |
| Assets per employee ($millions) | 2.3588% | 7,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8902% | 2,700 |
| Loan loss allowance to noncurrent loans | 34.0190% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 6.9904% | 730 |
| Noncurrent loans to loans | 5.5563% | 1,130 |
| Net loans and leases to total assets | 56.6121% | 4,883 |
| Net loans and leases to deposits | 63.0457% | 5,387 |
| Net loans and leases to core deposits | 64.3955% | 5,686 |
| Total domestic deposits to total assets | 89.7953% | 1,076 |
| Equity capital to assets | 9.7337% | 4,493 |
| Core capital (leverage) ratio | 9.4061% | 4,102 |
| Tier 1 risk-based capital ratio | 12.6479% | 5,222 |
| Total risk-based capital ratio | 13.9004% | 5,189 |
| Memoranda: | ||
| Average total assets | $234,309,330 | 2,711 |
| Average earning assets | $194,872,000 | 2,941 |
| Average equity | $21,985,330 | 2,881 |
| Average total loans | $137,190,330 | 2,910 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6194% | 1,024 |
| Cost of funding earning assets | 0.5916% | 6,638 |
| Net interest margin | 5.0277% | 360 |
| Noninterest income to average assets | 0.9186% | 1,591 |
| Noninterest expense to average assets | 4.9492% | 382 |
| Loan and lease loss provision to assets | 0.5692% | 1,516 |
| Net operating income to assets | -0.4141% | 6,744 |
| Return on assets (ROA) | -0.3749% | 6,733 |
| Pretax return on assets | -0.3749% | 6,672 |
| Return on Equity (ROE) | -4.0716% | 6,745 |
| Retained earnings to average equity (ytd only) | -4.0716% | 6,424 |
| Net charge-offs to loans | -0.1243% | 7,148 |
| Credit loss provision to net charge-offs | -776.7442% | 6,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9616% | 877 |
| Assets per employee ($millions) | 2.3882% | 7,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9108% | 2,654 |
| Loan loss allowance to noncurrent loans | 38.4171% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 6.9022% | 785 |
| Noncurrent loans to loans | 4.9739% | 1,359 |
| Net loans and leases to total assets | 56.2771% | 4,951 |
| Net loans and leases to deposits | 62.2751% | 5,464 |
| Net loans and leases to core deposits | 63.6636% | 5,768 |
| Total domestic deposits to total assets | 90.3685% | 923 |
| Equity capital to assets | 9.0787% | 5,080 |
| Core capital (leverage) ratio | 9.3621% | 4,030 |
| Tier 1 risk-based capital ratio | 12.7553% | 5,010 |
| Total risk-based capital ratio | 13.9986% | 4,994 |
| Memoranda: | ||
| Average total assets | $234,704,500 | 2,731 |
| Average earning assets | $195,396,000 | 2,940 |
| Average equity | $21,613,000 | 2,910 |
| Average total loans | $138,412,000 | 2,921 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7410% | 221 |
| Cost of funding earning assets | 0.8703% | 6,295 |
| Net interest margin | 5.8707% | 110 |
| Noninterest income to average assets | 1.2300% | 1,000 |
| Noninterest expense to average assets | 4.9358% | 438 |
| Loan and lease loss provision to assets | 0.3525% | 4,013 |
| Net operating income to assets | 0.6299% | 3,535 |
| Return on assets (ROA) | 0.7123% | 3,316 |
| Pretax return on assets | 0.7123% | 3,931 |
| Return on Equity (ROE) | 7.7119% | 2,813 |
| Retained earnings to average equity (ytd only) | 7.7119% | 1,074 |
| Net charge-offs to loans | 0.5039% | 3,604 |
| Credit loss provision to net charge-offs | 107.7836% | 4,112 |
| Earnings coverage of net charge-offs (x) | 3.0040% | 3,569 |
| Efficiency ratio | 83.4014% | 1,997 |
| Assets per employee ($millions) | 2.3067% | 7,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5690% | 3,699 |
| Loan loss allowance to noncurrent loans | 63.0874% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 5.7216% | 1,067 |
| Noncurrent loans to loans | 2.4870% | 3,036 |
| Net loans and leases to total assets | 59.6454% | 4,737 |
| Net loans and leases to deposits | 66.2206% | 5,370 |
| Net loans and leases to core deposits | 69.7244% | 5,472 |
| Total domestic deposits to total assets | 90.0707% | 1,056 |
| Equity capital to assets | 9.3404% | 4,636 |
| Core capital (leverage) ratio | 9.2803% | 4,042 |
| Tier 1 risk-based capital ratio | 12.6504% | 4,893 |
| Total risk-based capital ratio | 13.9008% | 4,880 |
| Memoranda: | ||
| Average total assets | $231,797,800 | 2,728 |
| Average earning assets | $185,104,800 | 3,062 |
| Average equity | $21,408,600 | 2,962 |
| Average total loans | $150,436,000 | 2,767 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7537% | 214 |
| Cost of funding earning assets | 0.9278% | 6,278 |
| Net interest margin | 5.8259% | 112 |
| Noninterest income to average assets | 1.2941% | 825 |
| Noninterest expense to average assets | 5.0561% | 364 |
| Loan and lease loss provision to assets | 0.3697% | 3,682 |
| Net operating income to assets | 0.4648% | 4,469 |
| Return on assets (ROA) | 0.5489% | 4,265 |
| Pretax return on assets | 0.5489% | 4,765 |
| Return on Equity (ROE) | 5.9597% | 3,834 |
| Retained earnings to average equity (ytd only) | 5.9597% | 2,380 |
| Net charge-offs to loans | 0.4923% | 3,306 |
| Credit loss provision to net charge-offs | 113.8298% | 3,676 |
| Earnings coverage of net charge-offs (x) | 2.5692% | 3,868 |
| Efficiency ratio | 85.8330% | 1,650 |
| Assets per employee ($millions) | 2.3412% | 7,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5036% | 3,938 |
| Loan loss allowance to noncurrent loans | 45.1769% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 5.9752% | 1,001 |
| Noncurrent loans to loans | 3.3284% | 2,386 |
| Net loans and leases to total assets | 61.8873% | 4,557 |
| Net loans and leases to deposits | 68.4943% | 5,349 |
| Net loans and leases to core deposits | 72.2364% | 5,485 |
| Total domestic deposits to total assets | 90.3539% | 698 |
| Equity capital to assets | 9.1344% | 5,402 |
| Core capital (leverage) ratio | 8.8648% | 4,900 |
| Tier 1 risk-based capital ratio | 11.4947% | 5,940 |
| Total risk-based capital ratio | 12.7345% | 5,934 |
| Memoranda: | ||
| Average total assets | $231,503,000 | 2,765 |
| Average earning assets | $182,649,750 | 3,138 |
| Average equity | $21,320,500 | 3,005 |
| Average total loans | $152,751,250 | 2,766 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7908% | 207 |
| Cost of funding earning assets | 0.9623% | 6,326 |
| Net interest margin | 5.8285% | 118 |
| Noninterest income to average assets | 1.1399% | 1,003 |
| Noninterest expense to average assets | 5.1294% | 347 |
| Loan and lease loss provision to assets | 0.1836% | 5,036 |
| Net operating income to assets | 0.4803% | 4,412 |
| Return on assets (ROA) | 0.5456% | 4,255 |
| Pretax return on assets | 0.5456% | 4,755 |
| Return on Equity (ROE) | 5.9074% | 3,844 |
| Retained earnings to average equity (ytd only) | 5.9074% | 2,384 |
| Net charge-offs to loans | 0.3828% | 3,444 |
| Credit loss provision to net charge-offs | 71.5254% | 4,924 |
| Earnings coverage of net charge-offs (x) | 2.5864% | 3,702 |
| Efficiency ratio | 88.5401% | 1,455 |
| Assets per employee ($millions) | 2.2577% | 7,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 4,447 |
| Loan loss allowance to noncurrent loans | 37.7620% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 6.4396% | 872 |
| Noncurrent loans to loans | 3.6987% | 2,114 |
| Net loans and leases to total assets | 64.1491% | 4,236 |
| Net loans and leases to deposits | 70.9692% | 5,142 |
| Net loans and leases to core deposits | 75.1822% | 5,301 |
| Total domestic deposits to total assets | 90.3901% | 726 |
| Equity capital to assets | 9.1201% | 5,261 |
| Core capital (leverage) ratio | 8.8537% | 4,830 |
| Tier 1 risk-based capital ratio | 11.3426% | 5,912 |
| Total risk-based capital ratio | 12.4968% | 5,986 |
| Memoranda: | ||
| Average total assets | $229,851,000 | 2,816 |
| Average earning assets | $183,512,670 | 3,156 |
| Average equity | $21,227,670 | 3,010 |
| Average total loans | $154,144,330 | 2,774 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7311% | 249 |
| Cost of funding earning assets | 1.0036% | 6,358 |
| Net interest margin | 5.7275% | 136 |
| Noninterest income to average assets | 1.0123% | 1,256 |
| Noninterest expense to average assets | 4.8760% | 402 |
| Loan and lease loss provision to assets | 0.1785% | 4,739 |
| Net operating income to assets | 0.5876% | 3,951 |
| Return on assets (ROA) | 0.6344% | 3,856 |
| Pretax return on assets | 0.6344% | 4,475 |
| Return on Equity (ROE) | 6.8272% | 3,436 |
| Retained earnings to average equity (ytd only) | 6.8272% | 2,209 |
| Net charge-offs to loans | 0.1961% | 3,736 |
| Credit loss provision to net charge-offs | 133.7662% | 2,641 |
| Earnings coverage of net charge-offs (x) | 5.7403% | 2,340 |
| Efficiency ratio | 86.4209% | 1,747 |
| Assets per employee ($millions) | 2.2567% | 7,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 4,274 |
| Loan loss allowance to noncurrent loans | 46.5642% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 6.3341% | 915 |
| Noncurrent loans to loans | 3.0680% | 2,607 |
| Net loans and leases to total assets | 66.0545% | 3,838 |
| Net loans and leases to deposits | 73.6522% | 4,797 |
| Net loans and leases to core deposits | 78.1685% | 5,005 |
| Total domestic deposits to total assets | 89.6843% | 1,146 |
| Equity capital to assets | 9.7375% | 4,182 |
| Core capital (leverage) ratio | 8.8432% | 4,800 |
| Tier 1 risk-based capital ratio | 11.0438% | 6,120 |
| Total risk-based capital ratio | 12.2351% | 6,137 |
| Memoranda: | ||
| Average total assets | $230,764,000 | 2,869 |
| Average earning assets | $186,537,500 | 3,170 |
| Average equity | $21,443,500 | 3,013 |
| Average total loans | $157,042,500 | 2,791 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1907% | 211 |
| Cost of funding earning assets | 1.2914% | 6,337 |
| Net interest margin | 5.8992% | 121 |
| Noninterest income to average assets | 1.2389% | 983 |
| Noninterest expense to average assets | 5.5588% | 381 |
| Loan and lease loss provision to assets | 0.2242% | 5,570 |
| Net operating income to assets | 0.3407% | 4,373 |
| Return on assets (ROA) | 0.4267% | 4,127 |
| Pretax return on assets | 0.4267% | 4,416 |
| Return on Equity (ROE) | 5.5707% | 3,393 |
| Retained earnings to average equity (ytd only) | 5.5707% | 1,545 |
| Net charge-offs to loans | 0.2138% | 5,288 |
| Credit loss provision to net charge-offs | 150.1377% | 3,092 |
| Earnings coverage of net charge-offs (x) | 3.7824% | 3,202 |
| Efficiency ratio | 90.7747% | 1,652 |
| Assets per employee ($millions) | 2.2902% | 7,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 4,560 |
| Loan loss allowance to noncurrent loans | 55.9129% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 5.6574% | 1,027 |
| Noncurrent loans to loans | 2.3899% | 3,173 |
| Net loans and leases to total assets | 68.1465% | 3,675 |
| Net loans and leases to deposits | 75.2330% | 4,846 |
| Net loans and leases to core deposits | 89.5903% | 5,175 |
| Total domestic deposits to total assets | 90.5806% | 709 |
| Equity capital to assets | 8.8582% | 5,344 |
| Core capital (leverage) ratio | 7.9019% | 6,324 |
| Tier 1 risk-based capital ratio | 9.6835% | 7,109 |
| Total risk-based capital ratio | 10.8057% | 7,173 |
| Memoranda: | ||
| Average total assets | $243,038,400 | 2,683 |
| Average earning assets | $201,246,800 | 2,952 |
| Average equity | $18,615,400 | 3,406 |
| Average total loans | $169,797,000 | 2,620 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2880% | 197 |
| Cost of funding earning assets | 1.3440% | 6,418 |
| Net interest margin | 5.9441% | 116 |
| Noninterest income to average assets | 1.2621% | 967 |
| Noninterest expense to average assets | 5.6815% | 349 |
| Loan and lease loss provision to assets | 0.2961% | 4,603 |
| Net operating income to assets | 0.2179% | 5,094 |
| Return on assets (ROA) | 0.3309% | 4,782 |
| Pretax return on assets | 0.3309% | 4,981 |
| Return on Equity (ROE) | 4.4871% | 4,166 |
| Retained earnings to average equity (ytd only) | 4.4871% | 2,764 |
| Net charge-offs to loans | 0.1745% | 4,996 |
| Credit loss provision to net charge-offs | 242.2222% | 1,800 |
| Earnings coverage of net charge-offs (x) | 4.2045% | 3,223 |
| Efficiency ratio | 91.7039% | 1,562 |
| Assets per employee ($millions) | 2.3450% | 7,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 4,061 |
| Loan loss allowance to noncurrent loans | 74.4563% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 5.7443% | 968 |
| Noncurrent loans to loans | 1.8533% | 3,838 |
| Net loans and leases to total assets | 68.5411% | 3,840 |
| Net loans and leases to deposits | 75.3939% | 5,140 |
| Net loans and leases to core deposits | 92.3858% | 5,195 |
| Total domestic deposits to total assets | 90.9108% | 445 |
| Equity capital to assets | 8.5616% | 6,170 |
| Core capital (leverage) ratio | 7.6069% | 6,852 |
| Tier 1 risk-based capital ratio | 9.1629% | 7,553 |
| Total risk-based capital ratio | 10.3127% | 7,603 |
| Memoranda: | ||
| Average total assets | $245,397,000 | 2,671 |
| Average earning assets | $203,671,250 | 2,934 |
| Average equity | $18,096,000 | 3,519 |
| Average total loans | $171,909,000 | 2,637 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3913% | 180 |
| Cost of funding earning assets | 1.3873% | 6,526 |
| Net interest margin | 6.0040% | 110 |
| Noninterest income to average assets | 1.4055% | 762 |
| Noninterest expense to average assets | 5.7390% | 349 |
| Loan and lease loss provision to assets | 0.4405% | 3,350 |
| Net operating income to assets | 0.2174% | 5,197 |
| Return on assets (ROA) | 0.3831% | 4,675 |
| Pretax return on assets | 0.3831% | 4,984 |
| Return on Equity (ROE) | 5.4792% | 3,872 |
| Retained earnings to average equity (ytd only) | 5.4792% | 2,254 |
| Net charge-offs to loans | 0.2152% | 4,162 |
| Credit loss provision to net charge-offs | 291.4439% | 1,602 |
| Earnings coverage of net charge-offs (x) | 4.3529% | 3,119 |
| Efficiency ratio | 89.7157% | 1,839 |
| Assets per employee ($millions) | 2.2346% | 7,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 3,885 |
| Loan loss allowance to noncurrent loans | 62.3529% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 5.7709% | 854 |
| Noncurrent loans to loans | 2.1973% | 3,260 |
| Net loans and leases to total assets | 68.2968% | 4,107 |
| Net loans and leases to deposits | 73.6287% | 5,516 |
| Net loans and leases to core deposits | 92.2056% | 5,326 |
| Total domestic deposits to total assets | 92.7584% | 115 |
| Equity capital to assets | 6.7526% | 7,734 |
| Core capital (leverage) ratio | 7.2671% | 7,282 |
| Tier 1 risk-based capital ratio | 8.8198% | 7,783 |
| Total risk-based capital ratio | 9.9619% | 7,854 |
| Memoranda: | ||
| Average total assets | $247,464,330 | 2,659 |
| Average earning assets | $205,728,000 | 2,923 |
| Average equity | $17,301,670 | 3,663 |
| Average total loans | $173,798,330 | 2,649 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6731% | 610 |
| Cost of funding earning assets | 1.3940% | 6,754 |
| Net interest margin | 5.2790% | 239 |
| Noninterest income to average assets | 1.1470% | 1,122 |
| Noninterest expense to average assets | 5.1262% | 440 |
| Loan and lease loss provision to assets | 0.6573% | 1,925 |
| Net operating income to assets | -0.1708% | 6,511 |
| Return on assets (ROA) | 0.1498% | 5,991 |
| Pretax return on assets | 0.1498% | 6,051 |
| Return on Equity (ROE) | 2.1072% | 5,733 |
| Retained earnings to average equity (ytd only) | 2.1072% | 4,694 |
| Net charge-offs to loans | -0.0068% | 7,220 |
| Credit loss provision to net charge-offs | -13,600.0000% | 6,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3318% | 1,630 |
| Assets per employee ($millions) | 2.0514% | 7,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 3,742 |
| Loan loss allowance to noncurrent loans | 22.7100% | 7,031 |
| Noncurrent assets plus other real estate owned to assets | 7.7117% | 404 |
| Noncurrent loans to loans | 5.9823% | 809 |
| Net loans and leases to total assets | 70.9341% | 3,487 |
| Net loans and leases to deposits | 76.8802% | 5,106 |
| Net loans and leases to core deposits | 95.9342% | 4,976 |
| Total domestic deposits to total assets | 92.2657% | 144 |
| Equity capital to assets | 7.1735% | 7,585 |
| Core capital (leverage) ratio | 6.9828% | 7,646 |
| Tier 1 risk-based capital ratio | 8.3297% | 7,974 |
| Total risk-based capital ratio | 9.4699% | 8,019 |
| Memoranda: | ||
| Average total assets | $248,295,500 | 2,666 |
| Average earning assets | $210,038,000 | 2,880 |
| Average equity | $17,653,500 | 3,612 |
| Average total loans | $175,594,000 | 2,647 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0146% | 1,103 |
| Cost of funding earning assets | 2.2164% | 5,524 |
| Net interest margin | 4.7982% | 782 |
| Noninterest income to average assets | 1.1987% | 1,045 |
| Noninterest expense to average assets | 5.0329% | 612 |
| Loan and lease loss provision to assets | 0.1094% | 5,974 |
| Net operating income to assets | 0.1178% | 6,061 |
| Return on assets (ROA) | -0.7397% | 6,996 |
| Pretax return on assets | -0.7397% | 6,839 |
| Return on Equity (ROE) | -9.9384% | 7,278 |
| Retained earnings to average equity (ytd only) | -9.9384% | 7,069 |
| Net charge-offs to loans | -0.0096% | 7,848 |
| Credit loss provision to net charge-offs | -1,775.0000% | 7,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6808% | 1,177 |
| Assets per employee ($millions) | 2.1039% | 7,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 5,106 |
| Loan loss allowance to noncurrent loans | 33.1932% | 6,507 |
| Noncurrent assets plus other real estate owned to assets | 5.5353% | 582 |
| Noncurrent loans to loans | 3.3859% | 1,519 |
| Net loans and leases to total assets | 68.7860% | 4,303 |
| Net loans and leases to deposits | 76.9398% | 5,482 |
| Net loans and leases to core deposits | 94.8206% | 5,378 |
| Total domestic deposits to total assets | 89.4023% | 879 |
| Equity capital to assets | 7.0484% | 7,712 |
| Core capital (leverage) ratio | 6.9062% | 7,755 |
| Tier 1 risk-based capital ratio | 8.3049% | 8,034 |
| Total risk-based capital ratio | 9.2368% | 8,118 |
| Memoranda: | ||
| Average total assets | $259,692,800 | 2,464 |
| Average earning assets | $219,812,800 | 2,660 |
| Average equity | $19,329,000 | 3,341 |
| Average total loans | $167,253,000 | 2,667 |