Home > Western Security Bank > Performance and Condition Ratios
Western Security Bank, Performance and Condition Ratios
| 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 | 3.4851% | 6,719 |
| Cost of funding earning assets | 0.6685% | 4,551 |
| Net interest margin | 2.8166% | 6,610 |
| Noninterest income to average assets | 0.9121% | 1,696 |
| Noninterest expense to average assets | 1.9106% | 6,626 |
| Loan and lease loss provision to assets | 0.0736% | 4,481 |
| Net operating income to assets | 1.1715% | 1,818 |
| Return on assets (ROA) | 1.1715% | 2,001 |
| Pretax return on assets | 1.4756% | 1,946 |
| Return on Equity (ROE) | 10.2635% | 2,315 |
| Retained earnings to average equity (ytd only) | 1.6712% | 5,395 |
| Net charge-offs to loans | 0.4077% | 2,082 |
| Credit loss provision to net charge-offs | 54.7445% | 3,203 |
| Earnings coverage of net charge-offs (x) | 11.5292% | 1,665 |
| Efficiency ratio | 54.2877% | 6,318 |
| Assets per employee ($millions) | 5.2803% | 1,908 |
| Cash dividends to net income (ytd only)* | 83.7170% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7156% | 1,097 |
| Loan loss allowance to noncurrent loans | 1,878.8512% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.6278% | 5,321 |
| Noncurrent loans to loans | 0.1445% | 6,400 |
| Net loans and leases to total assets | 31.2962% | 6,862 |
| Net loans and leases to deposits | 43.9961% | 6,560 |
| Net loans and leases to core deposits | 56.5653% | 5,855 |
| Total domestic deposits to total assets | 71.1341% | 6,930 |
| Equity capital to assets | 11.3779% | 2,547 |
| Core capital (leverage) ratio | 8.2722% | 5,921 |
| Tier 1 risk-based capital ratio | 15.7601% | 3,310 |
| Total risk-based capital ratio | 17.0162% | 3,277 |
| Memoranda: | ||
| Average total assets | $815,674,500 | 815 |
| Average earning assets | $737,776,000 | 817 |
| Average equity | $93,106,500 | 753 |
| Average total loans | $268,836,500 | 1,560 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8031% | 6,727 |
| Cost of funding earning assets | 0.7242% | 5,380 |
| Net interest margin | 3.0789% | 6,389 |
| Noninterest income to average assets | 0.9132% | 1,629 |
| Noninterest expense to average assets | 2.0590% | 6,568 |
| Loan and lease loss provision to assets | 0.0703% | 5,740 |
| Net operating income to assets | 1.2224% | 1,454 |
| Return on assets (ROA) | 1.2224% | 1,558 |
| Pretax return on assets | 1.5574% | 1,317 |
| Return on Equity (ROE) | 10.6501% | 1,819 |
| Retained earnings to average equity (ytd only) | 0.6322% | 5,552 |
| Net charge-offs to loans | 0.2950% | 3,931 |
| Credit loss provision to net charge-offs | 65.7895% | 5,000 |
| Earnings coverage of net charge-offs (x) | 15.2392% | 1,406 |
| Efficiency ratio | 54.6992% | 6,451 |
| Assets per employee ($millions) | 5.2105% | 1,934 |
| Cash dividends to net income (ytd only)* | 94.0635% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6845% | 1,087 |
| Loan loss allowance to noncurrent loans | 1,633.9286% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.6738% | 5,297 |
| Noncurrent loans to loans | 0.1643% | 6,425 |
| Net loans and leases to total assets | 32.8572% | 6,921 |
| Net loans and leases to deposits | 48.1839% | 6,485 |
| Net loans and leases to core deposits | 61.1680% | 5,737 |
| Total domestic deposits to total assets | 68.1911% | 7,066 |
| Equity capital to assets | 11.4522% | 2,544 |
| Core capital (leverage) ratio | 8.2827% | 5,875 |
| Tier 1 risk-based capital ratio | 15.8178% | 3,150 |
| Total risk-based capital ratio | 17.0745% | 3,103 |
| Memoranda: | ||
| Average total assets | $782,700,400 | 841 |
| Average earning assets | $705,058,200 | 849 |
| Average equity | $89,839,600 | 751 |
| Average total loans | $283,385,800 | 1,502 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8677% | 6,771 |
| Cost of funding earning assets | 0.7271% | 5,612 |
| Net interest margin | 3.1406% | 6,311 |
| Noninterest income to average assets | 0.9836% | 1,379 |
| Noninterest expense to average assets | 2.0504% | 6,592 |
| Loan and lease loss provision to assets | 0.0944% | 5,286 |
| Net operating income to assets | 1.2925% | 1,399 |
| Return on assets (ROA) | 1.2925% | 1,494 |
| Pretax return on assets | 1.6653% | 1,212 |
| Return on Equity (ROE) | 11.2537% | 1,777 |
| Retained earnings to average equity (ytd only) | 0.7879% | 5,696 |
| Net charge-offs to loans | 0.3249% | 3,471 |
| Credit loss provision to net charge-offs | 78.9096% | 4,175 |
| Earnings coverage of net charge-offs (x) | 14.7030% | 1,515 |
| Efficiency ratio | 52.6207% | 6,626 |
| Assets per employee ($millions) | 5.0818% | 2,090 |
| Cash dividends to net income (ytd only)* | 92.9985% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6574% | 1,186 |
| Loan loss allowance to noncurrent loans | 1,621.5217% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.8930% | 4,950 |
| Noncurrent loans to loans | 0.1639% | 6,539 |
| Net loans and leases to total assets | 34.2452% | 6,939 |
| Net loans and leases to deposits | 47.1942% | 6,676 |
| Net loans and leases to core deposits | 61.4261% | 5,864 |
| Total domestic deposits to total assets | 72.5622% | 6,892 |
| Equity capital to assets | 11.5876% | 2,604 |
| Core capital (leverage) ratio | 8.4901% | 5,723 |
| Tier 1 risk-based capital ratio | 15.6628% | 3,300 |
| Total risk-based capital ratio | 16.9197% | 3,263 |
| Memoranda: | ||
| Average total assets | $776,470,500 | 853 |
| Average earning assets | $698,836,500 | 865 |
| Average equity | $89,177,000 | 759 |
| Average total loans | $286,062,000 | 1,506 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8636% | 6,851 |
| Cost of funding earning assets | 0.7097% | 5,906 |
| Net interest margin | 3.1539% | 6,276 |
| Noninterest income to average assets | 0.8943% | 1,665 |
| Noninterest expense to average assets | 2.1262% | 6,542 |
| Loan and lease loss provision to assets | 0.1430% | 4,517 |
| Net operating income to assets | 1.1602% | 1,690 |
| Return on assets (ROA) | 1.1602% | 1,767 |
| Pretax return on assets | 1.4589% | 1,644 |
| Return on Equity (ROE) | 10.1333% | 2,075 |
| Retained earnings to average equity (ytd only) | 1.0512% | 5,440 |
| Net charge-offs to loans | 0.4259% | 2,859 |
| Credit loss provision to net charge-offs | 89.7227% | 3,458 |
| Earnings coverage of net charge-offs (x) | 10.0522% | 1,856 |
| Efficiency ratio | 55.7353% | 6,448 |
| Assets per employee ($millions) | 4.7667% | 2,456 |
| Cash dividends to net income (ytd only)* | 89.6258% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7063% | 1,177 |
| Loan loss allowance to noncurrent loans | 1,038.9807% | 360 |
| Noncurrent assets plus other real estate owned to assets | 1.0253% | 4,830 |
| Noncurrent loans to loans | 0.2605% | 6,403 |
| Net loans and leases to total assets | 34.9026% | 7,021 |
| Net loans and leases to deposits | 47.0622% | 6,774 |
| Net loans and leases to core deposits | 64.2732% | 5,697 |
| Total domestic deposits to total assets | 74.1626% | 6,823 |
| Equity capital to assets | 11.6764% | 2,344 |
| Core capital (leverage) ratio | 8.7120% | 5,207 |
| Tier 1 risk-based capital ratio | 15.6612% | 3,151 |
| Total risk-based capital ratio | 16.9186% | 3,115 |
| Memoranda: | ||
| Average total assets | $769,345,330 | 873 |
| Average earning assets | $691,270,330 | 879 |
| Average equity | $88,085,670 | 764 |
| Average total loans | $287,855,000 | 1,511 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7430% | 7,019 |
| Cost of funding earning assets | 0.7016% | 6,125 |
| Net interest margin | 3.0414% | 6,487 |
| Noninterest income to average assets | 0.8355% | 1,902 |
| Noninterest expense to average assets | 2.0984% | 6,638 |
| Loan and lease loss provision to assets | 0.1568% | 4,067 |
| Net operating income to assets | 1.0158% | 2,129 |
| Return on assets (ROA) | 1.0158% | 2,177 |
| Pretax return on assets | 1.3141% | 1,997 |
| Return on Equity (ROE) | 8.9619% | 2,488 |
| Retained earnings to average equity (ytd only) | -0.2582% | 5,839 |
| Net charge-offs to loans | 0.4145% | 2,447 |
| Credit loss provision to net charge-offs | 99.0099% | 2,755 |
| Earnings coverage of net charge-offs (x) | 9.2904% | 1,734 |
| Efficiency ratio | 57.2244% | 6,357 |
| Assets per employee ($millions) | 4.6609% | 2,638 |
| Cash dividends to net income (ytd only)* | 102.8807% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7264% | 1,184 |
| Loan loss allowance to noncurrent loans | 152.8241% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 1.0474% | 4,824 |
| Noncurrent loans to loans | 1.7840% | 3,843 |
| Net loans and leases to total assets | 35.4873% | 7,023 |
| Net loans and leases to deposits | 48.5217% | 6,720 |
| Net loans and leases to core deposits | 63.5535% | 5,777 |
| Total domestic deposits to total assets | 73.1370% | 6,986 |
| Equity capital to assets | 11.3725% | 2,365 |
| Core capital (leverage) ratio | 8.7520% | 4,994 |
| Tier 1 risk-based capital ratio | 15.5314% | 3,147 |
| Total risk-based capital ratio | 16.7889% | 3,094 |
| Memoranda: | ||
| Average total assets | $765,535,000 | 881 |
| Average earning assets | $688,114,000 | 889 |
| Average equity | $86,767,500 | 768 |
| Average total loans | $292,420,500 | 1,502 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5131% | 6,364 |
| Cost of funding earning assets | 0.9127% | 6,118 |
| Net interest margin | 3.6004% | 4,825 |
| Noninterest income to average assets | 1.0938% | 1,247 |
| Noninterest expense to average assets | 2.4508% | 5,942 |
| Loan and lease loss provision to assets | 0.1436% | 5,748 |
| Net operating income to assets | 1.2336% | 1,334 |
| Return on assets (ROA) | 1.2903% | 1,259 |
| Pretax return on assets | 1.7606% | 827 |
| Return on Equity (ROE) | 9.8367% | 1,994 |
| Retained earnings to average equity (ytd only) | 1.7719% | 4,612 |
| Net charge-offs to loans | 0.6662% | 3,016 |
| Credit loss provision to net charge-offs | 45.1092% | 6,326 |
| Earnings coverage of net charge-offs (x) | 5.7388% | 2,545 |
| Efficiency ratio | 55.4641% | 6,660 |
| Assets per employee ($millions) | 4.7036% | 2,551 |
| Cash dividends to net income (ytd only)* | 81.9864% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4858% | 1,426 |
| Loan loss allowance to noncurrent loans | 122.5193% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 1.2155% | 4,598 |
| Noncurrent loans to loans | 2.0289% | 3,520 |
| Net loans and leases to total assets | 38.9172% | 7,027 |
| Net loans and leases to deposits | 51.6976% | 6,764 |
| Net loans and leases to core deposits | 71.8314% | 5,232 |
| Total domestic deposits to total assets | 75.2786% | 6,732 |
| Equity capital to assets | 11.2961% | 2,414 |
| Core capital (leverage) ratio | 9.2109% | 4,152 |
| Tier 1 risk-based capital ratio | 15.3041% | 3,098 |
| Total risk-based capital ratio | 16.5613% | 3,050 |
| Memoranda: | ||
| Average total assets | $661,712,800 | 1,002 |
| Average earning assets | $585,081,000 | 1,032 |
| Average equity | $86,797,200 | 770 |
| Average total loans | $316,134,200 | 1,420 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7594% | 5,824 |
| Cost of funding earning assets | 0.9755% | 6,056 |
| Net interest margin | 3.7839% | 4,040 |
| Noninterest income to average assets | 0.9970% | 1,473 |
| Noninterest expense to average assets | 2.4993% | 5,718 |
| Loan and lease loss provision to assets | 0.1469% | 5,571 |
| Net operating income to assets | 1.2456% | 1,475 |
| Return on assets (ROA) | 1.2975% | 1,412 |
| Pretax return on assets | 1.7511% | 1,009 |
| Return on Equity (ROE) | 9.4940% | 2,319 |
| Retained earnings to average equity (ytd only) | 1.8178% | 5,054 |
| Net charge-offs to loans | 0.3109% | 4,095 |
| Credit loss provision to net charge-offs | 94.2127% | 4,600 |
| Earnings coverage of net charge-offs (x) | 11.7255% | 1,759 |
| Efficiency ratio | 55.8233% | 6,584 |
| Assets per employee ($millions) | 4.2086% | 3,437 |
| Cash dividends to net income (ytd only)* | 80.8538% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7040% | 1,081 |
| Loan loss allowance to noncurrent loans | 131.6871% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 1.4314% | 4,311 |
| Noncurrent loans to loans | 2.0533% | 3,615 |
| Net loans and leases to total assets | 46.0155% | 6,692 |
| Net loans and leases to deposits | 56.9303% | 6,551 |
| Net loans and leases to core deposits | 76.6557% | 4,972 |
| Total domestic deposits to total assets | 80.8277% | 5,442 |
| Equity capital to assets | 12.9932% | 1,573 |
| Core capital (leverage) ratio | 9.7920% | 3,500 |
| Tier 1 risk-based capital ratio | 15.0165% | 3,245 |
| Total risk-based capital ratio | 16.2767% | 3,228 |
| Memoranda: | ||
| Average total assets | $635,470,750 | 1,059 |
| Average earning assets | $559,266,750 | 1,086 |
| Average equity | $86,845,250 | 766 |
| Average total loans | $318,673,500 | 1,422 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8856% | 5,458 |
| Cost of funding earning assets | 1.0223% | 6,043 |
| Net interest margin | 3.8633% | 3,620 |
| Noninterest income to average assets | 1.0180% | 1,327 |
| Noninterest expense to average assets | 2.4854% | 5,763 |
| Loan and lease loss provision to assets | 0.1774% | 5,098 |
| Net operating income to assets | 1.2948% | 1,321 |
| Return on assets (ROA) | 1.3519% | 1,260 |
| Pretax return on assets | 1.8225% | 848 |
| Return on Equity (ROE) | 9.7166% | 2,203 |
| Retained earnings to average equity (ytd only) | 2.7613% | 4,378 |
| Net charge-offs to loans | 0.3812% | 3,453 |
| Credit loss provision to net charge-offs | 90.9091% | 4,391 |
| Earnings coverage of net charge-offs (x) | 9.8529% | 1,967 |
| Efficiency ratio | 54.4344% | 6,827 |
| Assets per employee ($millions) | 3.6958% | 4,482 |
| Cash dividends to net income (ytd only)* | 71.5820% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7476% | 1,046 |
| Loan loss allowance to noncurrent loans | 741.0213% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.8348% | 5,447 |
| Noncurrent loans to loans | 0.3708% | 6,500 |
| Net loans and leases to total assets | 50.5376% | 6,370 |
| Net loans and leases to deposits | 63.5851% | 6,077 |
| Net loans and leases to core deposits | 77.1151% | 5,072 |
| Total domestic deposits to total assets | 79.4803% | 5,895 |
| Equity capital to assets | 14.3190% | 1,058 |
| Core capital (leverage) ratio | 10.3798% | 2,736 |
| Tier 1 risk-based capital ratio | 15.4429% | 2,929 |
| Total risk-based capital ratio | 16.7038% | 2,883 |
| Memoranda: | ||
| Average total assets | $620,027,330 | 1,086 |
| Average earning assets | $544,088,000 | 1,131 |
| Average equity | $86,264,330 | 759 |
| Average total loans | $317,413,670 | 1,443 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8230% | 5,798 |
| Cost of funding earning assets | 1.0468% | 6,144 |
| Net interest margin | 3.7762% | 3,890 |
| Noninterest income to average assets | 0.9783% | 1,367 |
| Noninterest expense to average assets | 2.3726% | 6,183 |
| Loan and lease loss provision to assets | 0.1920% | 4,581 |
| Net operating income to assets | 1.2433% | 1,418 |
| Return on assets (ROA) | 1.2433% | 1,491 |
| Pretax return on assets | 1.7353% | 994 |
| Return on Equity (ROE) | 9.0649% | 2,475 |
| Retained earnings to average equity (ytd only) | 2.0668% | 4,890 |
| Net charge-offs to loans | 0.4092% | 2,818 |
| Credit loss provision to net charge-offs | 92.3077% | 3,609 |
| Earnings coverage of net charge-offs (x) | 9.2677% | 1,876 |
| Efficiency ratio | 53.1994% | 7,045 |
| Assets per employee ($millions) | 3.9596% | 3,970 |
| Cash dividends to net income (ytd only)* | 77.2002% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8006% | 988 |
| Loan loss allowance to noncurrent loans | 321.0952% | 945 |
| Noncurrent assets plus other real estate owned to assets | 1.1239% | 4,909 |
| Noncurrent loans to loans | 0.8722% | 5,572 |
| Net loans and leases to total assets | 48.4703% | 6,626 |
| Net loans and leases to deposits | 60.2393% | 6,441 |
| Net loans and leases to core deposits | 79.0862% | 4,883 |
| Total domestic deposits to total assets | 80.4629% | 5,634 |
| Equity capital to assets | 13.7809% | 1,212 |
| Core capital (leverage) ratio | 10.4264% | 2,697 |
| Tier 1 risk-based capital ratio | 14.9928% | 3,120 |
| Total risk-based capital ratio | 16.2535% | 3,076 |
| Memoranda: | ||
| Average total assets | $625,134,500 | 1,103 |
| Average earning assets | $549,864,500 | 1,136 |
| Average equity | $85,737,000 | 774 |
| Average total loans | $317,674,500 | 1,485 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3192% | 5,085 |
| Cost of funding earning assets | 1.1602% | 6,794 |
| Net interest margin | 4.1591% | 2,211 |
| Noninterest income to average assets | 1.2699% | 938 |
| Noninterest expense to average assets | 2.7517% | 5,160 |
| Loan and lease loss provision to assets | 0.5346% | 3,696 |
| Net operating income to assets | 1.1590% | 1,361 |
| Return on assets (ROA) | 1.1590% | 1,387 |
| Pretax return on assets | 1.6289% | 904 |
| Return on Equity (ROE) | 8.0482% | 2,349 |
| Retained earnings to average equity (ytd only) | 1.2041% | 4,196 |
| Net charge-offs to loans | 0.4349% | 4,062 |
| Credit loss provision to net charge-offs | 213.3333% | 1,800 |
| Earnings coverage of net charge-offs (x) | 8.6340% | 1,915 |
| Efficiency ratio | 54.0428% | 7,223 |
| Assets per employee ($millions) | 3.8798% | 4,074 |
| Cash dividends to net income (ytd only)* | 85.0389% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7095% | 1,007 |
| Loan loss allowance to noncurrent loans | 265.8374% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 1.2039% | 4,693 |
| Noncurrent loans to loans | 1.0193% | 5,275 |
| Net loans and leases to total assets | 50.3659% | 6,597 |
| Net loans and leases to deposits | 62.3466% | 6,428 |
| Net loans and leases to core deposits | 80.9121% | 6,005 |
| Total domestic deposits to total assets | 80.7836% | 5,411 |
| Equity capital to assets | 13.6490% | 1,265 |
| Core capital (leverage) ratio | 10.1871% | 2,901 |
| Tier 1 risk-based capital ratio | 14.6705% | 3,120 |
| Total risk-based capital ratio | 15.9310% | 3,071 |
| Memoranda: | ||
| Average total assets | $598,622,400 | 1,154 |
| Average earning assets | $524,660,600 | 1,211 |
| Average equity | $86,205,800 | 741 |
| Average total loans | $344,869,000 | 1,403 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4006% | 4,947 |
| Cost of funding earning assets | 1.1879% | 6,924 |
| Net interest margin | 4.2128% | 2,004 |
| Noninterest income to average assets | 1.3080% | 909 |
| Noninterest expense to average assets | 2.8163% | 4,826 |
| Loan and lease loss provision to assets | 0.5179% | 3,314 |
| Net operating income to assets | 1.1781% | 1,521 |
| Return on assets (ROA) | 1.1781% | 1,574 |
| Pretax return on assets | 1.6634% | 1,036 |
| Return on Equity (ROE) | 8.0699% | 2,606 |
| Retained earnings to average equity (ytd only) | 6.6817% | 1,640 |
| Net charge-offs to loans | 0.5109% | 3,173 |
| Credit loss provision to net charge-offs | 171.3860% | 2,713 |
| Earnings coverage of net charge-offs (x) | 7.2183% | 2,445 |
| Efficiency ratio | 54.3796% | 7,199 |
| Assets per employee ($millions) | 3.6413% | 4,570 |
| Cash dividends to net income (ytd only)* | 17.2018% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4085% | 1,163 |
| Loan loss allowance to noncurrent loans | 231.9260% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 1.2621% | 4,544 |
| Noncurrent loans to loans | 1.0385% | 5,235 |
| Net loans and leases to total assets | 55.0896% | 6,257 |
| Net loans and leases to deposits | 73.6876% | 5,407 |
| Net loans and leases to core deposits | 87.4168% | 5,701 |
| Total domestic deposits to total assets | 74.7611% | 6,816 |
| Equity capital to assets | 15.3035% | 930 |
| Core capital (leverage) ratio | 12.2086% | 1,704 |
| Tier 1 risk-based capital ratio | 15.3633% | 2,885 |
| Total risk-based capital ratio | 16.6215% | 2,821 |
| Memoranda: | ||
| Average total assets | $592,114,250 | 1,178 |
| Average earning assets | $518,570,500 | 1,232 |
| Average equity | $86,442,500 | 750 |
| Average total loans | $350,242,500 | 1,396 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4546% | 4,867 |
| Cost of funding earning assets | 1.2064% | 7,086 |
| Net interest margin | 4.2482% | 1,826 |
| Noninterest income to average assets | 1.3416% | 849 |
| Noninterest expense to average assets | 2.8961% | 4,515 |
| Loan and lease loss provision to assets | 0.4723% | 3,162 |
| Net operating income to assets | 1.1989% | 1,478 |
| Return on assets (ROA) | 1.1989% | 1,563 |
| Pretax return on assets | 1.6952% | 1,027 |
| Return on Equity (ROE) | 8.3461% | 2,636 |
| Retained earnings to average equity (ytd only) | 6.9371% | 1,605 |
| Net charge-offs to loans | 0.7955% | 2,091 |
| Credit loss provision to net charge-offs | 98.8701% | 4,652 |
| Earnings coverage of net charge-offs (x) | 4.5374% | 3,074 |
| Efficiency ratio | 55.2498% | 7,200 |
| Assets per employee ($millions) | 3.3058% | 5,303 |
| Cash dividends to net income (ytd only)* | 16.8824% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0164% | 1,539 |
| Loan loss allowance to noncurrent loans | 318.1038% | 989 |
| Noncurrent assets plus other real estate owned to assets | 1.0857% | 4,790 |
| Noncurrent loans to loans | 0.6339% | 5,976 |
| Net loans and leases to total assets | 63.1542% | 5,154 |
| Net loans and leases to deposits | 83.9793% | 3,880 |
| Net loans and leases to core deposits | 106.0675% | 3,837 |
| Total domestic deposits to total assets | 75.2021% | 6,718 |
| Equity capital to assets | 15.9878% | 825 |
| Core capital (leverage) ratio | 10.5727% | 2,749 |
| Tier 1 risk-based capital ratio | 14.9469% | 3,046 |
| Total risk-based capital ratio | 16.2020% | 2,983 |
| Memoranda: | ||
| Average total assets | $592,857,000 | 1,198 |
| Average earning assets | $519,416,000 | 1,246 |
| Average equity | $85,165,670 | 775 |
| Average total loans | $355,994,670 | 1,401 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3039% | 5,878 |
| Cost of funding earning assets | 1.1458% | 7,428 |
| Net interest margin | 4.1581% | 2,057 |
| Noninterest income to average assets | 1.1142% | 1,193 |
| Noninterest expense to average assets | 2.5454% | 5,666 |
| Loan and lease loss provision to assets | 0.3235% | 3,383 |
| Net operating income to assets | 1.3251% | 1,324 |
| Return on assets (ROA) | 1.3251% | 1,427 |
| Pretax return on assets | 1.9152% | 773 |
| Return on Equity (ROE) | 9.7050% | 2,440 |
| Retained earnings to average equity (ytd only) | 8.2834% | 1,714 |
| Net charge-offs to loans | 1.4050% | 1,013 |
| Credit loss provision to net charge-offs | 39.6197% | 4,827 |
| Earnings coverage of net charge-offs (x) | 2.7417% | 3,396 |
| Efficiency ratio | 51.2307% | 7,487 |
| Assets per employee ($millions) | 3.7982% | 4,100 |
| Cash dividends to net income (ytd only)* | 14.6484% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7635% | 1,947 |
| Loan loss allowance to noncurrent loans | 200.0317% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.5026% | 5,962 |
| Noncurrent loans to loans | 0.8816% | 5,245 |
| Net loans and leases to total assets | 56.0056% | 6,239 |
| Net loans and leases to deposits | 93.0914% | 2,420 |
| Net loans and leases to core deposits | 109.9214% | 3,446 |
| Total domestic deposits to total assets | 60.1620% | 7,963 |
| Equity capital to assets | 13.5593% | 1,512 |
| Core capital (leverage) ratio | 10.4976% | 2,929 |
| Tier 1 risk-based capital ratio | 13.8316% | 3,675 |
| Total risk-based capital ratio | 15.0835% | 3,600 |
| Memoranda: | ||
| Average total assets | $618,214,000 | 1,150 |
| Average earning assets | $545,636,500 | 1,189 |
| Average equity | $84,410,000 | 784 |
| Average total loans | $359,276,000 | 1,402 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2669% | 4,147 |
| Cost of funding earning assets | 1.8736% | 6,812 |
| Net interest margin | 4.3933% | 1,703 |
| Noninterest income to average assets | 1.2958% | 872 |
| Noninterest expense to average assets | 2.8916% | 4,476 |
| Loan and lease loss provision to assets | 0.0959% | 6,160 |
| Net operating income to assets | 1.5285% | 963 |
| Return on assets (ROA) | 0.8681% | 2,990 |
| Pretax return on assets | 1.1910% | 2,674 |
| Return on Equity (ROE) | 5.8874% | 3,991 |
| Retained earnings to average equity (ytd only) | 1.0686% | 4,582 |
| Net charge-offs to loans | 0.0808% | 5,610 |
| Credit loss provision to net charge-offs | 191.4894% | 2,565 |
| Earnings coverage of net charge-offs (x) | 43.7518% | 840 |
| Efficiency ratio | 54.7087% | 7,183 |
| Assets per employee ($millions) | 3.7871% | 3,989 |
| Cash dividends to net income (ytd only)* | 81.8498% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9548% | 1,311 |
| Loan loss allowance to noncurrent loans | 395.4087% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 6,416 |
| Noncurrent loans to loans | 0.4944% | 5,867 |
| Net loans and leases to total assets | 58.0918% | 6,187 |
| Net loans and leases to deposits | 99.0132% | 1,983 |
| Net loans and leases to core deposits | 114.5682% | 3,276 |
| Total domestic deposits to total assets | 58.6707% | 8,000 |
| Equity capital to assets | 13.7510% | 1,518 |
| Core capital (leverage) ratio | 10.7140% | 2,807 |
| Tier 1 risk-based capital ratio | 13.2625% | 3,960 |
| Total risk-based capital ratio | 14.5164% | 3,865 |
| Memoranda: | ||
| Average total assets | $562,975,200 | 1,200 |
| Average earning assets | $485,328,800 | 1,269 |
| Average equity | $83,007,200 | 806 |
| Average total loans | $349,122,800 | 1,390 |