Home > First Victoria National Bank > Performance and Condition Ratios
First Victoria National Bank, Performance and Condition Ratios
| 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 | 4.2323% | 3,262 |
| Cost of funding earning assets | 0.3170% | 5,582 |
| Net interest margin | 3.9153% | 2,215 |
| Noninterest income to average assets | 1.1582% | 1,092 |
| Noninterest expense to average assets | 2.8800% | 3,378 |
| Loan and lease loss provision to assets | 0.1627% | 2,222 |
| Net operating income to assets | 1.1508% | 1,810 |
| Return on assets (ROA) | 1.1530% | 1,873 |
| Pretax return on assets | 1.7013% | 1,097 |
| Return on Equity (ROE) | 11.1639% | 1,766 |
| Retained earnings to average equity (ytd only) | 11.1639% | 552 |
| Net charge-offs to loans | 0.2667% | 2,218 |
| Credit loss provision to net charge-offs | 90.6135% | 2,625 |
| Earnings coverage of net charge-offs (x) | 10.3659% | 2,367 |
| Efficiency ratio | 60.2574% | 5,398 |
| Assets per employee ($millions) | 4.3429% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 3,454 |
| Loan loss allowance to noncurrent loans | 198.8333% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 4,875 |
| Noncurrent loans to loans | 0.7543% | 4,338 |
| Net loans and leases to total assets | 65.6759% | 2,692 |
| Net loans and leases to deposits | 73.9078% | 3,245 |
| Net loans and leases to core deposits | 76.3681% | 3,581 |
| Total domestic deposits to total assets | 88.8619% | 1,639 |
| Equity capital to assets | 10.4420% | 3,352 |
| Core capital (leverage) ratio | 8.8615% | 5,305 |
| Tier 1 risk-based capital ratio | 12.9268% | 5,172 |
| Total risk-based capital ratio | 14.1800% | 5,113 |
| Memoranda: | ||
| Average total assets | $2,421,255,250 | 301 |
| Average earning assets | $2,215,537,250 | 298 |
| Average equity | $250,060,750 | 317 |
| Average total loans | $1,629,826,250 | 292 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2490% | 3,157 |
| Cost of funding earning assets | 0.3265% | 5,597 |
| Net interest margin | 3.9225% | 2,140 |
| Noninterest income to average assets | 1.1385% | 1,176 |
| Noninterest expense to average assets | 2.8809% | 3,402 |
| Loan and lease loss provision to assets | 0.1955% | 1,946 |
| Net operating income to assets | 1.1193% | 1,868 |
| Return on assets (ROA) | 1.1225% | 1,969 |
| Pretax return on assets | 1.6543% | 1,225 |
| Return on Equity (ROE) | 10.9101% | 1,842 |
| Retained earnings to average equity (ytd only) | 10.9101% | 659 |
| Net charge-offs to loans | 0.3307% | 1,863 |
| Credit loss provision to net charge-offs | 87.5233% | 2,493 |
| Earnings coverage of net charge-offs (x) | 8.2618% | 2,432 |
| Efficiency ratio | 60.4143% | 5,419 |
| Assets per employee ($millions) | 4.1651% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4975% | 3,601 |
| Loan loss allowance to noncurrent loans | 190.1757% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.5912% | 4,773 |
| Noncurrent loans to loans | 0.7874% | 4,335 |
| Net loans and leases to total assets | 67.2052% | 2,379 |
| Net loans and leases to deposits | 75.4396% | 2,957 |
| Net loans and leases to core deposits | 78.1633% | 3,267 |
| Total domestic deposits to total assets | 89.0847% | 1,579 |
| Equity capital to assets | 10.4451% | 3,377 |
| Core capital (leverage) ratio | 8.7012% | 5,419 |
| Tier 1 risk-based capital ratio | 12.4039% | 5,568 |
| Total risk-based capital ratio | 13.6570% | 5,511 |
| Memoranda: | ||
| Average total assets | $2,404,640,670 | 303 |
| Average earning assets | $2,199,197,670 | 301 |
| Average equity | $247,403,670 | 320 |
| Average total loans | $1,623,892,670 | 293 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2674% | 3,031 |
| Cost of funding earning assets | 0.3380% | 5,654 |
| Net interest margin | 3.9294% | 2,015 |
| Noninterest income to average assets | 1.0629% | 1,317 |
| Noninterest expense to average assets | 2.8761% | 3,437 |
| Loan and lease loss provision to assets | 0.1667% | 2,196 |
| Net operating income to assets | 1.0948% | 1,876 |
| Return on assets (ROA) | 1.0997% | 1,960 |
| Pretax return on assets | 1.6176% | 1,261 |
| Return on Equity (ROE) | 10.7715% | 1,769 |
| Retained earnings to average equity (ytd only) | 10.7715% | 921 |
| Net charge-offs to loans | 0.2792% | 1,842 |
| Credit loss provision to net charge-offs | 88.8889% | 2,042 |
| Earnings coverage of net charge-offs (x) | 9.4738% | 1,831 |
| Efficiency ratio | 61.2548% | 5,413 |
| Assets per employee ($millions) | 4.1397% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5483% | 3,627 |
| Loan loss allowance to noncurrent loans | 187.5386% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.5978% | 4,890 |
| Noncurrent loans to loans | 0.8256% | 4,473 |
| Net loans and leases to total assets | 65.6945% | 2,425 |
| Net loans and leases to deposits | 73.6357% | 2,971 |
| Net loans and leases to core deposits | 76.2923% | 3,277 |
| Total domestic deposits to total assets | 89.2155% | 1,544 |
| Equity capital to assets | 10.2885% | 3,810 |
| Core capital (leverage) ratio | 8.6133% | 5,438 |
| Tier 1 risk-based capital ratio | 12.3195% | 5,702 |
| Total risk-based capital ratio | 13.5770% | 5,652 |
| Memoranda: | ||
| Average total assets | $2,399,094,500 | 309 |
| Average earning assets | $2,191,964,500 | 305 |
| Average equity | $244,943,000 | 328 |
| Average total loans | $1,611,750,000 | 295 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5393% | 3,244 |
| Cost of funding earning assets | 0.4446% | 5,629 |
| Net interest margin | 4.0947% | 2,024 |
| Noninterest income to average assets | 1.2704% | 964 |
| Noninterest expense to average assets | 3.2434% | 2,482 |
| Loan and lease loss provision to assets | 0.3005% | 2,273 |
| Net operating income to assets | 0.9872% | 2,395 |
| Return on assets (ROA) | 0.9994% | 2,561 |
| Pretax return on assets | 1.4781% | 1,748 |
| Return on Equity (ROE) | 9.7329% | 2,294 |
| Retained earnings to average equity (ytd only) | 6.4023% | 1,868 |
| Net charge-offs to loans | 0.3650% | 2,806 |
| Credit loss provision to net charge-offs | 119.3016% | 2,408 |
| Earnings coverage of net charge-offs (x) | 6.9905% | 2,696 |
| Efficiency ratio | 64.1763% | 4,846 |
| Assets per employee ($millions) | 4.3752% | 3,201 |
| Cash dividends to net income (ytd only)* | 34.2198% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5483% | 3,528 |
| Loan loss allowance to noncurrent loans | 159.1311% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.7356% | 4,638 |
| Noncurrent loans to loans | 0.9729% | 4,249 |
| Net loans and leases to total assets | 66.5922% | 2,440 |
| Net loans and leases to deposits | 74.5428% | 3,016 |
| Net loans and leases to core deposits | 77.7670% | 3,293 |
| Total domestic deposits to total assets | 89.3342% | 1,345 |
| Equity capital to assets | 10.1305% | 4,000 |
| Core capital (leverage) ratio | 8.2479% | 5,943 |
| Tier 1 risk-based capital ratio | 11.8086% | 5,904 |
| Total risk-based capital ratio | 13.0671% | 5,865 |
| Memoranda: | ||
| Average total assets | $2,046,798,000 | 349 |
| Average earning assets | $1,866,251,400 | 341 |
| Average equity | $210,173,000 | 358 |
| Average total loans | $1,412,293,200 | 317 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5467% | 3,439 |
| Cost of funding earning assets | 0.4644% | 5,686 |
| Net interest margin | 4.0823% | 2,157 |
| Noninterest income to average assets | 1.3314% | 834 |
| Noninterest expense to average assets | 3.2594% | 2,395 |
| Loan and lease loss provision to assets | 0.3433% | 1,909 |
| Net operating income to assets | 0.9797% | 2,609 |
| Return on assets (ROA) | 0.9891% | 2,789 |
| Pretax return on assets | 1.4692% | 2,007 |
| Return on Equity (ROE) | 9.5928% | 2,547 |
| Retained earnings to average equity (ytd only) | 4.9774% | 3,378 |
| Net charge-offs to loans | 0.4720% | 2,208 |
| Credit loss provision to net charge-offs | 104.7718% | 2,811 |
| Earnings coverage of net charge-offs (x) | 5.4888% | 3,005 |
| Efficiency ratio | 63.8002% | 4,839 |
| Assets per employee ($millions) | 4.0731% | 3,728 |
| Cash dividends to net income (ytd only)* | 48.1133% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7452% | 2,981 |
| Loan loss allowance to noncurrent loans | 128.4330% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 1.0631% | 4,158 |
| Noncurrent loans to loans | 1.3588% | 3,749 |
| Net loans and leases to total assets | 66.3816% | 2,577 |
| Net loans and leases to deposits | 74.1024% | 3,265 |
| Net loans and leases to core deposits | 77.3287% | 3,566 |
| Total domestic deposits to total assets | 89.5809% | 1,084 |
| Equity capital to assets | 9.9851% | 4,516 |
| Core capital (leverage) ratio | 8.7800% | 5,373 |
| Tier 1 risk-based capital ratio | 12.3298% | 5,748 |
| Total risk-based capital ratio | 13.5924% | 5,712 |
| Memoranda: | ||
| Average total assets | $1,961,280,000 | 360 |
| Average earning assets | $1,790,314,500 | 350 |
| Average equity | $202,215,250 | 371 |
| Average total loans | $1,361,411,750 | 328 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6083% | 3,326 |
| Cost of funding earning assets | 0.4853% | 5,725 |
| Net interest margin | 4.1231% | 1,997 |
| Noninterest income to average assets | 1.3845% | 752 |
| Noninterest expense to average assets | 3.3009% | 2,300 |
| Loan and lease loss provision to assets | 0.4198% | 1,556 |
| Net operating income to assets | 0.9858% | 2,526 |
| Return on assets (ROA) | 1.0004% | 2,682 |
| Pretax return on assets | 1.4449% | 2,029 |
| Return on Equity (ROE) | 9.5954% | 2,531 |
| Retained earnings to average equity (ytd only) | 9.5954% | 1,083 |
| Net charge-offs to loans | 0.5962% | 1,821 |
| Credit loss provision to net charge-offs | 100.4963% | 2,702 |
| Earnings coverage of net charge-offs (x) | 4.4129% | 3,095 |
| Efficiency ratio | 63.5246% | 4,978 |
| Assets per employee ($millions) | 3.9172% | 4,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7396% | 3,074 |
| Loan loss allowance to noncurrent loans | 124.7509% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 1.1069% | 4,170 |
| Noncurrent loans to loans | 1.3945% | 3,830 |
| Net loans and leases to total assets | 69.1950% | 2,072 |
| Net loans and leases to deposits | 77.8404% | 2,698 |
| Net loans and leases to core deposits | 81.7621% | 2,991 |
| Total domestic deposits to total assets | 88.8934% | 1,576 |
| Equity capital to assets | 10.5285% | 3,654 |
| Core capital (leverage) ratio | 9.2299% | 4,556 |
| Tier 1 risk-based capital ratio | 12.5588% | 5,527 |
| Total risk-based capital ratio | 13.8212% | 5,501 |
| Memoranda: | ||
| Average total assets | $1,929,395,000 | 369 |
| Average earning assets | $1,759,465,670 | 359 |
| Average equity | $201,158,330 | 370 |
| Average total loans | $1,351,989,330 | 332 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6505% | 3,264 |
| Cost of funding earning assets | 0.5033% | 5,791 |
| Net interest margin | 4.1473% | 1,949 |
| Noninterest income to average assets | 1.4778% | 664 |
| Noninterest expense to average assets | 3.2026% | 2,583 |
| Loan and lease loss provision to assets | 0.6378% | 871 |
| Net operating income to assets | 0.9815% | 2,551 |
| Return on assets (ROA) | 0.9831% | 2,742 |
| Pretax return on assets | 1.4172% | 2,130 |
| Return on Equity (ROE) | 9.4767% | 2,614 |
| Retained earnings to average equity (ytd only) | 9.4767% | 1,421 |
| Net charge-offs to loans | 1.0579% | 975 |
| Credit loss provision to net charge-offs | 86.2557% | 2,619 |
| Earnings coverage of net charge-offs (x) | 2.7760% | 3,070 |
| Efficiency ratio | 60.3080% | 5,575 |
| Assets per employee ($millions) | 3.7172% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7484% | 3,167 |
| Loan loss allowance to noncurrent loans | 243.5683% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.6869% | 5,183 |
| Noncurrent loans to loans | 0.7178% | 5,226 |
| Net loans and leases to total assets | 69.0886% | 1,936 |
| Net loans and leases to deposits | 77.6715% | 2,577 |
| Net loans and leases to core deposits | 81.4439% | 2,905 |
| Total domestic deposits to total assets | 88.9497% | 1,727 |
| Equity capital to assets | 10.4845% | 3,507 |
| Core capital (leverage) ratio | 9.1942% | 4,525 |
| Tier 1 risk-based capital ratio | 12.3383% | 5,724 |
| Total risk-based capital ratio | 13.5974% | 5,681 |
| Memoranda: | ||
| Average total assets | $1,912,822,000 | 370 |
| Average earning assets | $1,742,255,000 | 360 |
| Average equity | $198,424,000 | 366 |
| Average total loans | $1,336,973,000 | 329 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8433% | 3,610 |
| Cost of funding earning assets | 0.7197% | 5,409 |
| Net interest margin | 4.1236% | 2,338 |
| Noninterest income to average assets | 1.3501% | 713 |
| Noninterest expense to average assets | 3.4507% | 2,119 |
| Loan and lease loss provision to assets | 0.3925% | 2,635 |
| Net operating income to assets | 0.8832% | 2,675 |
| Return on assets (ROA) | 0.8937% | 2,762 |
| Pretax return on assets | 1.2747% | 2,222 |
| Return on Equity (ROE) | 8.7922% | 2,547 |
| Retained earnings to average equity (ytd only) | 1.5254% | 5,127 |
| Net charge-offs to loans | 0.4035% | 3,400 |
| Credit loss provision to net charge-offs | 135.2639% | 2,217 |
| Earnings coverage of net charge-offs (x) | 5.6938% | 2,707 |
| Efficiency ratio | 66.9346% | 4,586 |
| Assets per employee ($millions) | 3.7550% | 4,422 |
| Cash dividends to net income (ytd only)* | 82.6509% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8092% | 2,840 |
| Loan loss allowance to noncurrent loans | 146.7261% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 1.0396% | 4,530 |
| Noncurrent loans to loans | 1.2330% | 4,304 |
| Net loans and leases to total assets | 68.2151% | 2,350 |
| Net loans and leases to deposits | 76.6833% | 3,062 |
| Net loans and leases to core deposits | 81.4533% | 3,254 |
| Total domestic deposits to total assets | 88.9569% | 1,564 |
| Equity capital to assets | 10.2621% | 3,831 |
| Core capital (leverage) ratio | 8.8571% | 5,010 |
| Tier 1 risk-based capital ratio | 12.0541% | 5,799 |
| Total risk-based capital ratio | 13.3099% | 5,779 |
| Memoranda: | ||
| Average total assets | $1,809,018,600 | 369 |
| Average earning assets | $1,646,311,200 | 366 |
| Average equity | $183,890,000 | 383 |
| Average total loans | $1,300,714,600 | 336 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0472% | 2,851 |
| Cost of funding earning assets | 0.7682% | 5,348 |
| Net interest margin | 4.2791% | 1,795 |
| Noninterest income to average assets | 1.3916% | 676 |
| Noninterest expense to average assets | 3.5589% | 1,796 |
| Loan and lease loss provision to assets | 0.4560% | 2,179 |
| Net operating income to assets | 0.8917% | 2,772 |
| Return on assets (ROA) | 0.9059% | 2,853 |
| Pretax return on assets | 1.2907% | 2,317 |
| Return on Equity (ROE) | 8.9342% | 2,628 |
| Retained earnings to average equity (ytd only) | -0.9187% | 6,144 |
| Net charge-offs to loans | 0.4608% | 2,889 |
| Credit loss provision to net charge-offs | 136.4043% | 2,334 |
| Earnings coverage of net charge-offs (x) | 5.1641% | 2,859 |
| Efficiency ratio | 66.6601% | 4,593 |
| Assets per employee ($millions) | 3.7328% | 4,452 |
| Cash dividends to net income (ytd only)* | 110.2831% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8293% | 2,834 |
| Loan loss allowance to noncurrent loans | 187.2168% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 1.0747% | 4,619 |
| Noncurrent loans to loans | 0.9771% | 4,934 |
| Net loans and leases to total assets | 68.0232% | 2,490 |
| Net loans and leases to deposits | 76.3141% | 3,280 |
| Net loans and leases to core deposits | 83.3536% | 3,139 |
| Total domestic deposits to total assets | 89.1358% | 1,344 |
| Equity capital to assets | 10.2360% | 4,036 |
| Core capital (leverage) ratio | 8.8909% | 5,121 |
| Tier 1 risk-based capital ratio | 11.9374% | 5,937 |
| Total risk-based capital ratio | 13.1948% | 5,917 |
| Memoranda: | ||
| Average total assets | $1,783,454,500 | 377 |
| Average earning assets | $1,622,895,250 | 369 |
| Average equity | $180,828,500 | 394 |
| Average total loans | $1,293,943,250 | 334 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1117% | 2,624 |
| Cost of funding earning assets | 0.8172% | 5,261 |
| Net interest margin | 4.2945% | 1,682 |
| Noninterest income to average assets | 1.4217% | 631 |
| Noninterest expense to average assets | 3.5670% | 1,821 |
| Loan and lease loss provision to assets | 0.4908% | 2,007 |
| Net operating income to assets | 0.8943% | 2,662 |
| Return on assets (ROA) | 0.9141% | 2,676 |
| Pretax return on assets | 1.3033% | 2,130 |
| Return on Equity (ROE) | 9.0465% | 2,492 |
| Retained earnings to average equity (ytd only) | 5.2474% | 2,844 |
| Net charge-offs to loans | 0.4331% | 2,842 |
| Credit loss provision to net charge-offs | 153.7361% | 1,988 |
| Earnings coverage of net charge-offs (x) | 5.5306% | 2,595 |
| Efficiency ratio | 66.2072% | 4,837 |
| Assets per employee ($millions) | 3.5222% | 4,890 |
| Cash dividends to net income (ytd only)* | 41.9955% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8454% | 2,840 |
| Loan loss allowance to noncurrent loans | 155.3412% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 1.2717% | 4,359 |
| Noncurrent loans to loans | 1.1880% | 4,671 |
| Net loans and leases to total assets | 70.7918% | 2,053 |
| Net loans and leases to deposits | 79.9768% | 2,805 |
| Net loans and leases to core deposits | 89.6266% | 2,423 |
| Total domestic deposits to total assets | 88.5154% | 1,843 |
| Equity capital to assets | 10.1477% | 3,953 |
| Core capital (leverage) ratio | 8.6721% | 5,271 |
| Tier 1 risk-based capital ratio | 11.3319% | 6,296 |
| Total risk-based capital ratio | 12.5888% | 6,284 |
| Memoranda: | ||
| Average total assets | $1,752,076,000 | 387 |
| Average earning assets | $1,595,630,330 | 380 |
| Average equity | $177,041,000 | 406 |
| Average total loans | $1,291,592,670 | 342 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1577% | 2,393 |
| Cost of funding earning assets | 0.8588% | 5,221 |
| Net interest margin | 4.2989% | 1,565 |
| Noninterest income to average assets | 1.3495% | 709 |
| Noninterest expense to average assets | 3.5253% | 1,938 |
| Loan and lease loss provision to assets | 0.5291% | 1,644 |
| Net operating income to assets | 0.8565% | 2,748 |
| Return on assets (ROA) | 0.8652% | 2,781 |
| Pretax return on assets | 1.2298% | 2,269 |
| Return on Equity (ROE) | 8.5812% | 2,663 |
| Retained earnings to average equity (ytd only) | 6.6076% | 2,320 |
| Net charge-offs to loans | 0.5383% | 2,150 |
| Credit loss provision to net charge-offs | 131.8807% | 2,103 |
| Earnings coverage of net charge-offs (x) | 4.3532% | 2,501 |
| Efficiency ratio | 66.1765% | 5,004 |
| Assets per employee ($millions) | 3.5069% | 4,981 |
| Cash dividends to net income (ytd only)* | 22.9992% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7528% | 3,164 |
| Loan loss allowance to noncurrent loans | 129.0134% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 1.1827% | 4,587 |
| Noncurrent loans to loans | 1.3586% | 4,441 |
| Net loans and leases to total assets | 72.9409% | 1,528 |
| Net loans and leases to deposits | 82.4961% | 2,274 |
| Net loans and leases to core deposits | 92.2833% | 2,094 |
| Total domestic deposits to total assets | 88.4174% | 2,134 |
| Equity capital to assets | 10.1482% | 3,595 |
| Core capital (leverage) ratio | 8.7027% | 5,083 |
| Tier 1 risk-based capital ratio | 11.1540% | 6,391 |
| Total risk-based capital ratio | 12.4092% | 6,355 |
| Memoranda: | ||
| Average total assets | $1,738,760,500 | 390 |
| Average earning assets | $1,586,453,000 | 383 |
| Average equity | $175,313,000 | 410 |
| Average total loans | $1,295,962,500 | 345 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3519% | 2,888 |
| Cost of funding earning assets | 1.0033% | 5,671 |
| Net interest margin | 4.3486% | 1,652 |
| Noninterest income to average assets | 1.4295% | 702 |
| Noninterest expense to average assets | 3.5409% | 2,070 |
| Loan and lease loss provision to assets | 0.7099% | 2,311 |
| Net operating income to assets | 0.7743% | 2,906 |
| Return on assets (ROA) | 0.7898% | 2,976 |
| Pretax return on assets | 1.1293% | 2,465 |
| Return on Equity (ROE) | 8.1959% | 2,620 |
| Retained earnings to average equity (ytd only) | 7.6598% | 1,098 |
| Net charge-offs to loans | 0.6540% | 3,044 |
| Credit loss provision to net charge-offs | 144.1364% | 2,581 |
| Earnings coverage of net charge-offs (x) | 3.6894% | 3,237 |
| Efficiency ratio | 65.3700% | 5,090 |
| Assets per employee ($millions) | 3.3810% | 5,216 |
| Cash dividends to net income (ytd only)* | 6.5402% | 3,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7116% | 3,173 |
| Loan loss allowance to noncurrent loans | 120.5601% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 1.2351% | 4,552 |
| Noncurrent loans to loans | 1.4197% | 4,356 |
| Net loans and leases to total assets | 73.5470% | 1,757 |
| Net loans and leases to deposits | 83.3016% | 2,566 |
| Net loans and leases to core deposits | 94.1289% | 2,242 |
| Total domestic deposits to total assets | 88.2900% | 2,071 |
| Equity capital to assets | 10.0165% | 3,725 |
| Core capital (leverage) ratio | 8.5232% | 5,317 |
| Tier 1 risk-based capital ratio | 10.9736% | 6,341 |
| Total risk-based capital ratio | 12.2282% | 6,315 |
| Memoranda: | ||
| Average total assets | $1,655,222,400 | 412 |
| Average earning assets | $1,495,311,200 | 412 |
| Average equity | $159,507,400 | 431 |
| Average total loans | $1,246,510,600 | 365 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4835% | 2,499 |
| Cost of funding earning assets | 1.0279% | 5,815 |
| Net interest margin | 4.4557% | 1,355 |
| Noninterest income to average assets | 1.4290% | 666 |
| Noninterest expense to average assets | 3.4932% | 2,046 |
| Loan and lease loss provision to assets | 0.7497% | 2,043 |
| Net operating income to assets | 0.8381% | 2,850 |
| Return on assets (ROA) | 0.8590% | 2,912 |
| Pretax return on assets | 1.2341% | 2,380 |
| Return on Equity (ROE) | 9.0080% | 2,485 |
| Retained earnings to average equity (ytd only) | 8.3671% | 1,287 |
| Net charge-offs to loans | 0.6764% | 2,734 |
| Credit loss provision to net charge-offs | 146.9179% | 2,672 |
| Earnings coverage of net charge-offs (x) | 3.8293% | 3,286 |
| Efficiency ratio | 63.4161% | 5,361 |
| Assets per employee ($millions) | 3.3307% | 5,381 |
| Cash dividends to net income (ytd only)* | 7.1144% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7017% | 3,142 |
| Loan loss allowance to noncurrent loans | 127.6920% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 1.2690% | 4,606 |
| Noncurrent loans to loans | 1.3327% | 4,633 |
| Net loans and leases to total assets | 73.1490% | 1,988 |
| Net loans and leases to deposits | 82.9277% | 2,923 |
| Net loans and leases to core deposits | 93.6717% | 2,570 |
| Total domestic deposits to total assets | 88.2082% | 1,851 |
| Equity capital to assets | 9.5585% | 4,758 |
| Core capital (leverage) ratio | 7.9012% | 6,468 |
| Tier 1 risk-based capital ratio | 10.1701% | 6,972 |
| Total risk-based capital ratio | 11.4271% | 6,948 |
| Memoranda: | ||
| Average total assets | $1,636,260,250 | 413 |
| Average earning assets | $1,475,602,500 | 416 |
| Average equity | $156,036,000 | 436 |
| Average total loans | $1,234,307,750 | 366 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5244% | 2,426 |
| Cost of funding earning assets | 1.0240% | 6,039 |
| Net interest margin | 4.5005% | 1,209 |
| Noninterest income to average assets | 1.4419% | 611 |
| Noninterest expense to average assets | 3.5805% | 1,829 |
| Loan and lease loss provision to assets | 0.6685% | 2,161 |
| Net operating income to assets | 0.8633% | 2,680 |
| Return on assets (ROA) | 0.8802% | 2,751 |
| Pretax return on assets | 1.2659% | 2,198 |
| Return on Equity (ROE) | 9.2382% | 2,375 |
| Retained earnings to average equity (ytd only) | 8.2637% | 1,348 |
| Net charge-offs to loans | 0.4709% | 3,123 |
| Credit loss provision to net charge-offs | 187.3049% | 2,107 |
| Earnings coverage of net charge-offs (x) | 5.3521% | 2,689 |
| Efficiency ratio | 64.4923% | 5,242 |
| Assets per employee ($millions) | 3.2352% | 5,588 |
| Cash dividends to net income (ytd only)* | 10.5485% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6896% | 3,118 |
| Loan loss allowance to noncurrent loans | 111.7825% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 1.3112% | 4,525 |
| Noncurrent loans to loans | 1.5115% | 4,440 |
| Net loans and leases to total assets | 74.3714% | 1,837 |
| Net loans and leases to deposits | 84.5782% | 2,778 |
| Net loans and leases to core deposits | 98.0992% | 2,217 |
| Total domestic deposits to total assets | 87.9322% | 2,040 |
| Equity capital to assets | 9.5479% | 4,638 |
| Core capital (leverage) ratio | 7.9851% | 6,288 |
| Tier 1 risk-based capital ratio | 9.9817% | 7,036 |
| Total risk-based capital ratio | 11.2397% | 7,010 |
| Memoranda: | ||
| Average total assets | $1,615,462,670 | 419 |
| Average earning assets | $1,453,362,000 | 420 |
| Average equity | $153,926,330 | 443 |
| Average total loans | $1,224,390,670 | 368 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5589% | 2,329 |
| Cost of funding earning assets | 1.0187% | 6,284 |
| Net interest margin | 4.5401% | 1,064 |
| Noninterest income to average assets | 1.4536% | 564 |
| Noninterest expense to average assets | 3.5983% | 1,738 |
| Loan and lease loss provision to assets | 0.6758% | 1,882 |
| Net operating income to assets | 0.8697% | 2,672 |
| Return on assets (ROA) | 0.8732% | 2,743 |
| Pretax return on assets | 1.2547% | 2,193 |
| Return on Equity (ROE) | 9.1743% | 2,433 |
| Retained earnings to average equity (ytd only) | 8.1882% | 1,628 |
| Net charge-offs to loans | 0.2699% | 3,333 |
| Credit loss provision to net charge-offs | 330.0733% | 1,205 |
| Earnings coverage of net charge-offs (x) | 9.4046% | 1,858 |
| Efficiency ratio | 64.4223% | 5,407 |
| Assets per employee ($millions) | 3.1359% | 5,907 |
| Cash dividends to net income (ytd only)* | 10.7481% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6732% | 3,160 |
| Loan loss allowance to noncurrent loans | 130.8115% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 1.2244% | 4,727 |
| Noncurrent loans to loans | 1.2791% | 4,840 |
| Net loans and leases to total assets | 74.1422% | 1,939 |
| Net loans and leases to deposits | 87.4568% | 2,322 |
| Net loans and leases to core deposits | 101.6072% | 1,961 |
| Total domestic deposits to total assets | 84.7759% | 3,769 |
| Equity capital to assets | 9.5144% | 4,514 |
| Core capital (leverage) ratio | 7.8229% | 6,467 |
| Tier 1 risk-based capital ratio | 9.8877% | 7,101 |
| Total risk-based capital ratio | 11.1436% | 7,091 |
| Memoranda: | ||
| Average total assets | $1,598,206,500 | 438 |
| Average earning assets | $1,432,741,000 | 440 |
| Average equity | $152,120,500 | 449 |
| Average total loans | $1,212,486,000 | 390 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7183% | 3,015 |
| Cost of funding earning assets | 1.3250% | 6,218 |
| Net interest margin | 4.3933% | 1,451 |
| Noninterest income to average assets | 1.4928% | 643 |
| Noninterest expense to average assets | 3.6024% | 2,140 |
| Loan and lease loss provision to assets | 0.7775% | 2,788 |
| Net operating income to assets | 0.7508% | 2,718 |
| Return on assets (ROA) | 0.5718% | 3,513 |
| Pretax return on assets | 0.7938% | 3,268 |
| Return on Equity (ROE) | 5.9196% | 3,246 |
| Retained earnings to average equity (ytd only) | 4.7142% | 1,969 |
| Net charge-offs to loans | 0.5585% | 3,548 |
| Credit loss provision to net charge-offs | 183.1792% | 2,241 |
| Earnings coverage of net charge-offs (x) | 4.2875% | 2,999 |
| Efficiency ratio | 65.6576% | 5,461 |
| Assets per employee ($millions) | 3.1503% | 5,857 |
| Cash dividends to net income (ytd only)* | 20.3630% | 3,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 3,499 |
| Loan loss allowance to noncurrent loans | 126.4932% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 1.2872% | 4,509 |
| Noncurrent loans to loans | 1.2211% | 4,914 |
| Net loans and leases to total assets | 75.1613% | 1,991 |
| Net loans and leases to deposits | 89.2105% | 2,354 |
| Net loans and leases to core deposits | 111.1495% | 2,780 |
| Total domestic deposits to total assets | 84.2516% | 3,917 |
| Equity capital to assets | 9.5221% | 4,388 |
| Core capital (leverage) ratio | 7.8123% | 6,434 |
| Tier 1 risk-based capital ratio | 9.6613% | 7,123 |
| Total risk-based capital ratio | 10.9143% | 7,094 |
| Memoranda: | ||
| Average total assets | $1,502,910,400 | 455 |
| Average earning assets | $1,344,220,000 | 459 |
| Average equity | $145,179,600 | 466 |
| Average total loans | $1,142,201,800 | 425 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7369% | 3,156 |
| Cost of funding earning assets | 1.3959% | 6,247 |
| Net interest margin | 4.3411% | 1,613 |
| Noninterest income to average assets | 1.4918% | 662 |
| Noninterest expense to average assets | 3.4677% | 2,363 |
| Loan and lease loss provision to assets | 0.6654% | 2,746 |
| Net operating income to assets | 0.8855% | 2,469 |
| Return on assets (ROA) | 0.6474% | 3,480 |
| Pretax return on assets | 0.9112% | 3,190 |
| Return on Equity (ROE) | 6.6768% | 3,228 |
| Retained earnings to average equity (ytd only) | 5.4035% | 2,253 |
| Net charge-offs to loans | 0.5871% | 2,918 |
| Credit loss provision to net charge-offs | 149.3049% | 3,226 |
| Earnings coverage of net charge-offs (x) | 4.2901% | 3,187 |
| Efficiency ratio | 63.6638% | 5,818 |
| Assets per employee ($millions) | 3.1130% | 5,875 |
| Cash dividends to net income (ytd only)* | 19.0708% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 4,198 |
| Loan loss allowance to noncurrent loans | 131.3111% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 1.2529% | 4,556 |
| Noncurrent loans to loans | 1.0289% | 5,249 |
| Net loans and leases to total assets | 73.7147% | 2,620 |
| Net loans and leases to deposits | 89.5387% | 2,667 |
| Net loans and leases to core deposits | 112.7301% | 2,956 |
| Total domestic deposits to total assets | 82.3272% | 4,529 |
| Equity capital to assets | 9.6418% | 4,567 |
| Core capital (leverage) ratio | 7.8893% | 6,514 |
| Tier 1 risk-based capital ratio | 9.7443% | 7,194 |
| Total risk-based capital ratio | 10.9965% | 7,161 |
| Memoranda: | ||
| Average total assets | $1,484,847,250 | 471 |
| Average earning assets | $1,329,779,250 | 477 |
| Average equity | $143,977,500 | 479 |
| Average total loans | $1,127,130,750 | 452 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7745% | 3,165 |
| Cost of funding earning assets | 1.4979% | 6,149 |
| Net interest margin | 4.2765% | 1,722 |
| Noninterest income to average assets | 1.4563% | 704 |
| Noninterest expense to average assets | 3.4720% | 2,425 |
| Loan and lease loss provision to assets | 0.5681% | 2,745 |
| Net operating income to assets | 0.9000% | 2,456 |
| Return on assets (ROA) | 0.5521% | 3,991 |
| Pretax return on assets | 0.7674% | 3,784 |
| Return on Equity (ROE) | 5.6825% | 3,791 |
| Retained earnings to average equity (ytd only) | 4.2735% | 2,926 |
| Net charge-offs to loans | 0.5224% | 2,759 |
| Credit loss provision to net charge-offs | 142.4648% | 3,266 |
| Earnings coverage of net charge-offs (x) | 4.5609% | 3,066 |
| Efficiency ratio | 64.8002% | 5,758 |
| Assets per employee ($millions) | 2.9900% | 6,162 |
| Cash dividends to net income (ytd only)* | 24.7954% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 4,400 |
| Loan loss allowance to noncurrent loans | 92.4887% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.1834% | 4,573 |
| Noncurrent loans to loans | 1.3829% | 4,448 |
| Net loans and leases to total assets | 75.9506% | 2,193 |
| Net loans and leases to deposits | 88.1754% | 3,142 |
| Net loans and leases to core deposits | 112.1060% | 3,125 |
| Total domestic deposits to total assets | 86.1358% | 2,717 |
| Equity capital to assets | 9.7793% | 4,241 |
| Core capital (leverage) ratio | 7.9213% | 6,453 |
| Tier 1 risk-based capital ratio | 9.7387% | 7,194 |
| Total risk-based capital ratio | 10.9823% | 7,144 |
| Memoranda: | ||
| Average total assets | $1,460,964,330 | 492 |
| Average earning assets | $1,309,941,000 | 492 |
| Average equity | $141,945,330 | 498 |
| Average total loans | $1,115,147,330 | 471 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7388% | 3,595 |
| Cost of funding earning assets | 1.5462% | 6,256 |
| Net interest margin | 4.1926% | 1,923 |
| Noninterest income to average assets | 1.4084% | 706 |
| Noninterest expense to average assets | 3.3176% | 2,605 |
| Loan and lease loss provision to assets | 0.5638% | 2,228 |
| Net operating income to assets | 1.0458% | 2,144 |
| Return on assets (ROA) | 0.2538% | 5,635 |
| Pretax return on assets | 0.3138% | 5,644 |
| Return on Equity (ROE) | 2.6214% | 5,521 |
| Retained earnings to average equity (ytd only) | 2.6214% | 4,425 |
| Net charge-offs to loans | 0.7275% | 1,734 |
| Credit loss provision to net charge-offs | 101.9393% | 3,674 |
| Earnings coverage of net charge-offs (x) | 3.3545% | 3,205 |
| Efficiency ratio | 63.2889% | 5,814 |
| Assets per employee ($millions) | 3.0295% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 4,814 |
| Loan loss allowance to noncurrent loans | 159.1817% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.6214% | 5,632 |
| Noncurrent loans to loans | 0.7532% | 5,544 |
| Net loans and leases to total assets | 74.9359% | 2,517 |
| Net loans and leases to deposits | 87.5479% | 3,370 |
| Net loans and leases to core deposits | 112.1537% | 3,208 |
| Total domestic deposits to total assets | 85.5942% | 2,926 |
| Equity capital to assets | 9.7568% | 4,298 |
| Core capital (leverage) ratio | 7.9324% | 6,568 |
| Tier 1 risk-based capital ratio | 9.6080% | 7,333 |
| Total risk-based capital ratio | 10.7648% | 7,362 |
| Memoranda: | ||
| Average total assets | $1,454,409,500 | 498 |
| Average earning assets | $1,305,912,000 | 500 |
| Average equity | $140,841,000 | 496 |
| Average total loans | $1,105,684,500 | 475 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5024% | 2,950 |
| Cost of funding earning assets | 2.1671% | 5,742 |
| Net interest margin | 4.3354% | 1,871 |
| Noninterest income to average assets | 1.4892% | 630 |
| Noninterest expense to average assets | 3.4125% | 2,638 |
| Loan and lease loss provision to assets | 0.2991% | 3,983 |
| Net operating income to assets | 1.1265% | 2,046 |
| Return on assets (ROA) | 1.1271% | 1,960 |
| Pretax return on assets | 1.6492% | 1,265 |
| Return on Equity (ROE) | 11.7055% | 1,685 |
| Retained earnings to average equity (ytd only) | 7.2365% | 1,076 |
| Net charge-offs to loans | 0.1958% | 4,233 |
| Credit loss provision to net charge-offs | 202.8348% | 2,395 |
| Earnings coverage of net charge-offs (x) | 13.2053% | 2,154 |
| Efficiency ratio | 62.8117% | 5,814 |
| Assets per employee ($millions) | 3.0116% | 6,033 |
| Cash dividends to net income (ytd only)* | 38.1787% | 3,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 4,496 |
| Loan loss allowance to noncurrent loans | 189.2042% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.5358% | 5,569 |
| Noncurrent loans to loans | 0.6365% | 5,453 |
| Net loans and leases to total assets | 75.2850% | 2,811 |
| Net loans and leases to deposits | 90.6664% | 3,339 |
| Net loans and leases to core deposits | 114.5781% | 3,273 |
| Total domestic deposits to total assets | 83.0351% | 3,760 |
| Equity capital to assets | 9.6098% | 4,529 |
| Core capital (leverage) ratio | 7.8252% | 6,765 |
| Tier 1 risk-based capital ratio | 9.5407% | 7,263 |
| Total risk-based capital ratio | 10.6984% | 7,278 |
| Memoranda: | ||
| Average total assets | $1,387,354,600 | 501 |
| Average earning assets | $1,238,674,200 | 505 |
| Average equity | $133,586,800 | 523 |
| Average total loans | $1,044,916,600 | 476 |