Home > Mountain West Bank > Performance and Condition Ratios
Mountain West 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 | 4.5190% | 3,841 |
| Cost of funding earning assets | 0.4473% | 6,161 |
| Net interest margin | 4.0717% | 2,208 |
| Noninterest income to average assets | 1.3043% | 836 |
| Noninterest expense to average assets | 4.0468% | 882 |
| Loan and lease loss provision to assets | 0.8936% | 496 |
| Net operating income to assets | 0.1991% | 5,989 |
| Return on assets (ROA) | 0.1991% | 6,134 |
| Pretax return on assets | 0.0793% | 6,414 |
| Return on Equity (ROE) | 1.3969% | 6,259 |
| Retained earnings to average equity (ytd only) | 1.3969% | 5,540 |
| Net charge-offs to loans | 1.8290% | 523 |
| Credit loss provision to net charge-offs | 78.1494% | 2,761 |
| Earnings coverage of net charge-offs (x) | 0.8509% | 3,900 |
| Efficiency ratio | 80.5611% | 2,137 |
| Assets per employee ($millions) | 3.0130% | 6,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1271% | 157 |
| Loan loss allowance to noncurrent loans | 116.7517% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 4.4476% | 1,208 |
| Noncurrent loans to loans | 4.3915% | 1,346 |
| Net loans and leases to total assets | 59.1914% | 3,824 |
| Net loans and leases to deposits | 78.3228% | 2,446 |
| Net loans and leases to core deposits | 85.5282% | 2,344 |
| Total domestic deposits to total assets | 75.5737% | 6,588 |
| Equity capital to assets | 14.4096% | 887 |
| Core capital (leverage) ratio | 12.8776% | 1,174 |
| Tier 1 risk-based capital ratio | 19.3475% | 1,884 |
| Total risk-based capital ratio | 20.6423% | 1,839 |
| Memoranda: | ||
| Average total assets | $1,119,103,000 | 590 |
| Average earning assets | $1,021,202,000 | 585 |
| Average equity | $159,495,500 | 458 |
| Average total loans | $699,609,000 | 592 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8217% | 3,704 |
| Cost of funding earning assets | 0.5452% | 6,364 |
| Net interest margin | 4.2765% | 1,781 |
| Noninterest income to average assets | 1.1168% | 1,063 |
| Noninterest expense to average assets | 5.9027% | 220 |
| Loan and lease loss provision to assets | 2.6277% | 158 |
| Net operating income to assets | -2.1646% | 7,054 |
| Return on assets (ROA) | -2.1646% | 7,068 |
| Pretax return on assets | -3.5690% | 7,238 |
| Return on Equity (ROE) | -14.5006% | 6,878 |
| Retained earnings to average equity (ytd only) | -14.5006% | 6,856 |
| Net charge-offs to loans | 3.8834% | 165 |
| Credit loss provision to net charge-offs | 103.8038% | 3,323 |
| Earnings coverage of net charge-offs (x) | -0.3719% | 6,036 |
| Efficiency ratio | 78.1078% | 2,573 |
| Assets per employee ($millions) | 3.1286% | 5,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1124% | 167 |
| Loan loss allowance to noncurrent loans | 143.9884% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 3.9019% | 1,473 |
| Noncurrent loans to loans | 3.5505% | 1,804 |
| Net loans and leases to total assets | 59.4355% | 4,101 |
| Net loans and leases to deposits | 83.2807% | 2,026 |
| Net loans and leases to core deposits | 91.2290% | 1,963 |
| Total domestic deposits to total assets | 71.3677% | 6,907 |
| Equity capital to assets | 14.0975% | 1,028 |
| Core capital (leverage) ratio | 12.8090% | 1,215 |
| Tier 1 risk-based capital ratio | 19.1278% | 1,860 |
| Total risk-based capital ratio | 20.4235% | 1,814 |
| Memoranda: | ||
| Average total assets | $1,145,502,600 | 566 |
| Average earning assets | $1,029,823,600 | 570 |
| Average equity | $170,999,400 | 415 |
| Average total loans | $746,687,400 | 549 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8921% | 3,598 |
| Cost of funding earning assets | 0.5665% | 6,440 |
| Net interest margin | 4.3257% | 1,624 |
| Noninterest income to average assets | 1.4080% | 660 |
| Noninterest expense to average assets | 6.4694% | 168 |
| Loan and lease loss provision to assets | 3.0157% | 109 |
| Net operating income to assets | -2.5952% | 7,225 |
| Return on assets (ROA) | -2.5952% | 7,237 |
| Pretax return on assets | -4.2031% | 7,346 |
| Return on Equity (ROE) | -17.1506% | 7,055 |
| Retained earnings to average equity (ytd only) | -17.1506% | 7,035 |
| Net charge-offs to loans | 4.5167% | 122 |
| Credit loss provision to net charge-offs | 101.4555% | 3,303 |
| Earnings coverage of net charge-offs (x) | -0.3995% | 5,798 |
| Efficiency ratio | 71.5014% | 3,652 |
| Assets per employee ($millions) | 3.0855% | 5,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0152% | 184 |
| Loan loss allowance to noncurrent loans | 137.3474% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 5.0380% | 1,139 |
| Noncurrent loans to loans | 3.6515% | 1,880 |
| Net loans and leases to total assets | 61.4455% | 3,862 |
| Net loans and leases to deposits | 82.0032% | 2,357 |
| Net loans and leases to core deposits | 91.6120% | 2,043 |
| Total domestic deposits to total assets | 74.9306% | 6,647 |
| Equity capital to assets | 14.7591% | 913 |
| Core capital (leverage) ratio | 12.9925% | 1,231 |
| Tier 1 risk-based capital ratio | 19.8153% | 1,727 |
| Total risk-based capital ratio | 21.1097% | 1,690 |
| Memoranda: | ||
| Average total assets | $1,149,524,000 | 573 |
| Average earning assets | $1,029,487,500 | 574 |
| Average equity | $173,944,500 | 415 |
| Average total loans | $756,498,750 | 550 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8758% | 3,731 |
| Cost of funding earning assets | 0.5723% | 6,575 |
| Net interest margin | 4.3035% | 1,638 |
| Noninterest income to average assets | 1.5204% | 552 |
| Noninterest expense to average assets | 3.6964% | 1,535 |
| Loan and lease loss provision to assets | 2.7383% | 178 |
| Net operating income to assets | -0.4936% | 6,684 |
| Return on assets (ROA) | -0.4936% | 6,708 |
| Pretax return on assets | -1.0534% | 6,914 |
| Return on Equity (ROE) | -3.2370% | 6,608 |
| Retained earnings to average equity (ytd only) | -3.2370% | 6,401 |
| Net charge-offs to loans | 4.0593% | 201 |
| Credit loss provision to net charge-offs | 101.9628% | 3,031 |
| Earnings coverage of net charge-offs (x) | 0.6274% | 4,828 |
| Efficiency ratio | 68.5335% | 4,417 |
| Assets per employee ($millions) | 3.2021% | 5,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8275% | 211 |
| Loan loss allowance to noncurrent loans | 100.2437% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 5.3432% | 1,122 |
| Noncurrent loans to loans | 4.8157% | 1,369 |
| Net loans and leases to total assets | 60.4939% | 4,184 |
| Net loans and leases to deposits | 88.0145% | 1,497 |
| Net loans and leases to core deposits | 99.2117% | 1,415 |
| Total domestic deposits to total assets | 68.7318% | 7,162 |
| Equity capital to assets | 15.4620% | 708 |
| Core capital (leverage) ratio | 12.9503% | 1,184 |
| Tier 1 risk-based capital ratio | 19.1560% | 1,798 |
| Total risk-based capital ratio | 20.4478% | 1,753 |
| Memoranda: | ||
| Average total assets | $1,168,608,000 | 571 |
| Average earning assets | $1,048,400,670 | 574 |
| Average equity | $178,189,330 | 402 |
| Average total loans | $773,135,330 | 546 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8318% | 3,902 |
| Cost of funding earning assets | 0.5888% | 6,656 |
| Net interest margin | 4.2431% | 1,775 |
| Noninterest income to average assets | 1.5904% | 525 |
| Noninterest expense to average assets | 3.5970% | 1,776 |
| Loan and lease loss provision to assets | 2.5499% | 198 |
| Net operating income to assets | -0.3053% | 6,669 |
| Return on assets (ROA) | -0.3053% | 6,679 |
| Pretax return on assets | -0.7391% | 6,888 |
| Return on Equity (ROE) | -2.0161% | 6,584 |
| Retained earnings to average equity (ytd only) | -2.0161% | 6,146 |
| Net charge-offs to loans | 3.6222% | 273 |
| Credit loss provision to net charge-offs | 104.3987% | 2,549 |
| Earnings coverage of net charge-offs (x) | 0.7414% | 4,080 |
| Efficiency ratio | 66.2769% | 4,990 |
| Assets per employee ($millions) | 3.3005% | 5,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6215% | 260 |
| Loan loss allowance to noncurrent loans | 67.3084% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 5.8098% | 1,016 |
| Noncurrent loans to loans | 6.8662% | 827 |
| Net loans and leases to total assets | 61.7966% | 3,898 |
| Net loans and leases to deposits | 91.2752% | 1,084 |
| Net loans and leases to core deposits | 101.3447% | 1,248 |
| Total domestic deposits to total assets | 67.7036% | 7,272 |
| Equity capital to assets | 15.0277% | 760 |
| Core capital (leverage) ratio | 13.1302% | 1,081 |
| Tier 1 risk-based capital ratio | 18.5454% | 1,948 |
| Total risk-based capital ratio | 19.8346% | 1,886 |
| Memoranda: | ||
| Average total assets | $1,176,529,500 | 572 |
| Average earning assets | $1,058,478,500 | 571 |
| Average equity | $178,163,500 | 399 |
| Average total loans | $793,340,500 | 541 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3861% | 2,742 |
| Cost of funding earning assets | 0.7843% | 6,631 |
| Net interest margin | 4.6018% | 1,009 |
| Noninterest income to average assets | 1.6402% | 541 |
| Noninterest expense to average assets | 3.8785% | 1,347 |
| Loan and lease loss provision to assets | 3.7664% | 183 |
| Net operating income to assets | -0.9996% | 6,681 |
| Return on assets (ROA) | -1.0193% | 6,731 |
| Pretax return on assets | -1.8782% | 6,983 |
| Return on Equity (ROE) | -7.0497% | 6,559 |
| Retained earnings to average equity (ytd only) | -7.0497% | 6,460 |
| Net charge-offs to loans | 5.2456% | 155 |
| Credit loss provision to net charge-offs | 94.7628% | 4,902 |
| Earnings coverage of net charge-offs (x) | 0.4828% | 5,630 |
| Efficiency ratio | 66.6522% | 4,830 |
| Assets per employee ($millions) | 3.1074% | 5,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2702% | 318 |
| Loan loss allowance to noncurrent loans | 53.8031% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 6.2870% | 914 |
| Noncurrent loans to loans | 7.9367% | 660 |
| Net loans and leases to total assets | 67.0998% | 3,190 |
| Net loans and leases to deposits | 102.0795% | 485 |
| Net loans and leases to core deposits | 113.0810% | 772 |
| Total domestic deposits to total assets | 65.7329% | 7,399 |
| Equity capital to assets | 15.2595% | 731 |
| Core capital (leverage) ratio | 13.2936% | 1,029 |
| Tier 1 risk-based capital ratio | 18.8055% | 1,766 |
| Total risk-based capital ratio | 20.0928% | 1,726 |
| Memoranda: | ||
| Average total assets | $1,194,778,600 | 560 |
| Average earning assets | $1,079,350,800 | 560 |
| Average equity | $172,745,600 | 400 |
| Average total loans | $905,266,200 | 496 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5036% | 2,423 |
| Cost of funding earning assets | 0.8283% | 6,660 |
| Net interest margin | 4.6753% | 891 |
| Noninterest income to average assets | 1.4406% | 649 |
| Noninterest expense to average assets | 3.7708% | 1,428 |
| Loan and lease loss provision to assets | 2.5875% | 389 |
| Net operating income to assets | -0.3102% | 6,436 |
| Return on assets (ROA) | -0.2871% | 6,469 |
| Pretax return on assets | -0.6592% | 6,653 |
| Return on Equity (ROE) | -2.0127% | 6,405 |
| Retained earnings to average equity (ytd only) | -2.0127% | 6,205 |
| Net charge-offs to loans | 4.5899% | 212 |
| Credit loss provision to net charge-offs | 73.0682% | 5,339 |
| Earnings coverage of net charge-offs (x) | 0.5343% | 5,491 |
| Efficiency ratio | 66.3307% | 4,792 |
| Assets per employee ($millions) | 3.1055% | 5,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2740% | 655 |
| Loan loss allowance to noncurrent loans | 53.6402% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 4.8325% | 1,357 |
| Noncurrent loans to loans | 6.1036% | 1,015 |
| Net loans and leases to total assets | 72.7011% | 2,076 |
| Net loans and leases to deposits | 104.5231% | 410 |
| Net loans and leases to core deposits | 117.9399% | 684 |
| Total domestic deposits to total assets | 69.5550% | 7,294 |
| Equity capital to assets | 15.2128% | 844 |
| Core capital (leverage) ratio | 13.2157% | 1,146 |
| Tier 1 risk-based capital ratio | 17.7522% | 2,094 |
| Total risk-based capital ratio | 19.0277% | 2,051 |
| Memoranda: | ||
| Average total assets | $1,200,599,250 | 553 |
| Average earning assets | $1,084,288,250 | 552 |
| Average equity | $171,240,750 | 395 |
| Average total loans | $926,299,000 | 484 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4994% | 2,517 |
| Cost of funding earning assets | 0.8654% | 6,713 |
| Net interest margin | 4.6340% | 924 |
| Noninterest income to average assets | 1.1507% | 973 |
| Noninterest expense to average assets | 3.6537% | 1,659 |
| Loan and lease loss provision to assets | 1.5722% | 835 |
| Net operating income to assets | 0.1870% | 5,609 |
| Return on assets (ROA) | 0.1534% | 5,834 |
| Pretax return on assets | 0.0685% | 6,039 |
| Return on Equity (ROE) | 1.0994% | 5,923 |
| Retained earnings to average equity (ytd only) | 1.0994% | 5,323 |
| Net charge-offs to loans | 3.4502% | 433 |
| Credit loss provision to net charge-offs | 58.5733% | 5,238 |
| Earnings coverage of net charge-offs (x) | 0.6238% | 5,114 |
| Efficiency ratio | 68.2984% | 4,520 |
| Assets per employee ($millions) | 3.2113% | 5,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3638% | 609 |
| Loan loss allowance to noncurrent loans | 48.4887% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 5.4531% | 1,135 |
| Noncurrent loans to loans | 6.9373% | 822 |
| Net loans and leases to total assets | 73.7502% | 1,967 |
| Net loans and leases to deposits | 106.3671% | 376 |
| Net loans and leases to core deposits | 123.2921% | 592 |
| Total domestic deposits to total assets | 69.3356% | 7,370 |
| Equity capital to assets | 15.0754% | 862 |
| Core capital (leverage) ratio | 13.2642% | 1,124 |
| Tier 1 risk-based capital ratio | 17.3849% | 2,139 |
| Total risk-based capital ratio | 18.6613% | 2,092 |
| Memoranda: | ||
| Average total assets | $1,208,468,330 | 552 |
| Average earning assets | $1,089,389,000 | 551 |
| Average equity | $168,636,330 | 403 |
| Average total loans | $940,182,330 | 476 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4400% | 2,863 |
| Cost of funding earning assets | 0.8845% | 6,827 |
| Net interest margin | 4.5555% | 1,037 |
| Noninterest income to average assets | 0.9088% | 1,590 |
| Noninterest expense to average assets | 3.6443% | 1,627 |
| Loan and lease loss provision to assets | 1.3199% | 909 |
| Net operating income to assets | 0.1145% | 5,983 |
| Return on assets (ROA) | 0.1600% | 5,946 |
| Pretax return on assets | 0.0845% | 6,176 |
| Return on Equity (ROE) | 1.1944% | 6,064 |
| Retained earnings to average equity (ytd only) | 1.1944% | 5,339 |
| Net charge-offs to loans | 2.3921% | 700 |
| Credit loss provision to net charge-offs | 70.2617% | 4,096 |
| Earnings coverage of net charge-offs (x) | 0.7233% | 4,380 |
| Efficiency ratio | 72.5432% | 3,832 |
| Assets per employee ($millions) | 3.3538% | 5,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7884% | 439 |
| Loan loss allowance to noncurrent loans | 52.5269% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 6.2522% | 934 |
| Noncurrent loans to loans | 7.2124% | 814 |
| Net loans and leases to total assets | 72.9908% | 2,203 |
| Net loans and leases to deposits | 111.3978% | 264 |
| Net loans and leases to core deposits | 130.0919% | 495 |
| Total domestic deposits to total assets | 65.5227% | 7,634 |
| Equity capital to assets | 14.2776% | 1,077 |
| Core capital (leverage) ratio | 13.1694% | 1,168 |
| Tier 1 risk-based capital ratio | 15.9960% | 2,663 |
| Total risk-based capital ratio | 17.2767% | 2,602 |
| Memoranda: | ||
| Average total assets | $1,212,196,000 | 568 |
| Average earning assets | $1,089,486,500 | 570 |
| Average equity | $162,426,000 | 424 |
| Average total loans | $951,982,500 | 489 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9026% | 2,221 |
| Cost of funding earning assets | 0.9248% | 7,351 |
| Net interest margin | 4.9778% | 473 |
| Noninterest income to average assets | 1.5365% | 604 |
| Noninterest expense to average assets | 3.8217% | 1,659 |
| Loan and lease loss provision to assets | 4.1047% | 315 |
| Net operating income to assets | -1.0147% | 6,582 |
| Return on assets (ROA) | -0.9153% | 6,525 |
| Pretax return on assets | -1.7089% | 6,826 |
| Return on Equity (ROE) | -8.2978% | 6,494 |
| Retained earnings to average equity (ytd only) | -8.2978% | 6,378 |
| Net charge-offs to loans | 2.9698% | 720 |
| Credit loss provision to net charge-offs | 174.5532% | 2,410 |
| Earnings coverage of net charge-offs (x) | 0.9528% | 5,161 |
| Efficiency ratio | 62.7936% | 6,000 |
| Assets per employee ($millions) | 3.1297% | 5,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9220% | 382 |
| Loan loss allowance to noncurrent loans | 58.8518% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 6.5831% | 819 |
| Noncurrent loans to loans | 6.6642% | 891 |
| Net loans and leases to total assets | 78.1722% | 1,341 |
| Net loans and leases to deposits | 116.0016% | 231 |
| Net loans and leases to core deposits | 141.0974% | 769 |
| Total domestic deposits to total assets | 67.3889% | 7,587 |
| Equity capital to assets | 12.4681% | 1,764 |
| Core capital (leverage) ratio | 10.9832% | 2,234 |
| Tier 1 risk-based capital ratio | 13.3907% | 3,892 |
| Total risk-based capital ratio | 14.6732% | 3,819 |
| Memoranda: | ||
| Average total assets | $1,230,293,600 | 548 |
| Average earning assets | $1,118,592,000 | 540 |
| Average equity | $135,710,200 | 495 |
| Average total loans | $974,168,200 | 486 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8619% | 2,620 |
| Cost of funding earning assets | 0.9184% | 7,526 |
| Net interest margin | 4.9436% | 505 |
| Noninterest income to average assets | 1.5459% | 623 |
| Noninterest expense to average assets | 3.7672% | 1,664 |
| Loan and lease loss provision to assets | 4.0738% | 289 |
| Net operating income to assets | -0.9570% | 6,799 |
| Return on assets (ROA) | -0.8888% | 6,761 |
| Pretax return on assets | -1.6723% | 7,037 |
| Return on Equity (ROE) | -8.3142% | 6,759 |
| Retained earnings to average equity (ytd only) | -8.3142% | 6,638 |
| Net charge-offs to loans | 2.9022% | 592 |
| Credit loss provision to net charge-offs | 178.4373% | 2,580 |
| Earnings coverage of net charge-offs (x) | 1.0052% | 5,045 |
| Efficiency ratio | 61.8972% | 6,135 |
| Assets per employee ($millions) | 3.2617% | 5,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3654% | 473 |
| Loan loss allowance to noncurrent loans | 62.5330% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 5.0344% | 1,162 |
| Noncurrent loans to loans | 5.3818% | 1,180 |
| Net loans and leases to total assets | 74.7411% | 2,305 |
| Net loans and leases to deposits | 119.6163% | 212 |
| Net loans and leases to core deposits | 140.1053% | 912 |
| Total domestic deposits to total assets | 62.4840% | 7,811 |
| Equity capital to assets | 11.2895% | 2,757 |
| Core capital (leverage) ratio | 9.8177% | 3,499 |
| Tier 1 risk-based capital ratio | 11.8447% | 5,110 |
| Total risk-based capital ratio | 13.1196% | 5,030 |
| Memoranda: | ||
| Average total assets | $1,243,676,750 | 554 |
| Average earning assets | $1,136,180,750 | 546 |
| Average equity | $132,957,750 | 512 |
| Average total loans | $978,347,500 | 499 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8294% | 2,903 |
| Cost of funding earning assets | 0.9440% | 7,634 |
| Net interest margin | 4.8854% | 555 |
| Noninterest income to average assets | 1.6382% | 549 |
| Noninterest expense to average assets | 3.8002% | 1,657 |
| Loan and lease loss provision to assets | 1.9360% | 844 |
| Net operating income to assets | 0.3545% | 4,668 |
| Return on assets (ROA) | 0.3545% | 4,777 |
| Pretax return on assets | 0.3696% | 5,020 |
| Return on Equity (ROE) | 3.3794% | 4,754 |
| Retained earnings to average equity (ytd only) | 3.3794% | 3,441 |
| Net charge-offs to loans | 1.5448% | 1,225 |
| Credit loss provision to net charge-offs | 158.4158% | 2,906 |
| Earnings coverage of net charge-offs (x) | 1.8866% | 4,165 |
| Efficiency ratio | 61.9881% | 6,246 |
| Assets per employee ($millions) | 3.2543% | 5,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0626% | 1,451 |
| Loan loss allowance to noncurrent loans | 79.4108% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 3.0821% | 2,041 |
| Noncurrent loans to loans | 2.5974% | 2,791 |
| Net loans and leases to total assets | 76.3454% | 2,095 |
| Net loans and leases to deposits | 138.7936% | 88 |
| Net loans and leases to core deposits | 154.6986% | 550 |
| Total domestic deposits to total assets | 55.0064% | 8,018 |
| Equity capital to assets | 11.1093% | 2,827 |
| Core capital (leverage) ratio | 9.7882% | 3,535 |
| Tier 1 risk-based capital ratio | 12.0353% | 4,889 |
| Total risk-based capital ratio | 13.2898% | 4,807 |
| Memoranda: | ||
| Average total assets | $1,239,655,670 | 570 |
| Average earning assets | $1,133,673,670 | 561 |
| Average equity | $130,021,330 | 532 |
| Average total loans | $980,716,670 | 517 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8207% | 3,193 |
| Cost of funding earning assets | 1.0109% | 7,657 |
| Net interest margin | 4.8098% | 595 |
| Noninterest income to average assets | 1.5708% | 561 |
| Noninterest expense to average assets | 3.9017% | 1,307 |
| Loan and lease loss provision to assets | 1.6328% | 763 |
| Net operating income to assets | 0.3886% | 4,899 |
| Return on assets (ROA) | 0.3886% | 5,074 |
| Pretax return on assets | 0.4288% | 5,315 |
| Return on Equity (ROE) | 3.8223% | 5,017 |
| Retained earnings to average equity (ytd only) | 3.8223% | 3,764 |
| Net charge-offs to loans | 1.4007% | 1,015 |
| Credit loss provision to net charge-offs | 146.2416% | 2,834 |
| Earnings coverage of net charge-offs (x) | 1.8464% | 3,808 |
| Efficiency ratio | 65.1662% | 5,475 |
| Assets per employee ($millions) | 3.2228% | 5,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7897% | 1,879 |
| Loan loss allowance to noncurrent loans | 67.8160% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 3.0792% | 1,836 |
| Noncurrent loans to loans | 2.6391% | 2,489 |
| Net loans and leases to total assets | 78.9021% | 1,602 |
| Net loans and leases to deposits | 141.1731% | 87 |
| Net loans and leases to core deposits | 154.8871% | 584 |
| Total domestic deposits to total assets | 55.8903% | 8,045 |
| Equity capital to assets | 10.1671% | 3,803 |
| Core capital (leverage) ratio | 8.6109% | 5,317 |
| Tier 1 risk-based capital ratio | 10.6399% | 6,245 |
| Total risk-based capital ratio | 11.8970% | 6,158 |
| Memoranda: | ||
| Average total assets | $1,224,891,500 | 579 |
| Average earning assets | $1,118,635,500 | 571 |
| Average equity | $124,533,500 | 551 |
| Average total loans | $976,389,500 | 522 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7311% | 1,925 |
| Cost of funding earning assets | 2.0035% | 6,406 |
| Net interest margin | 4.7276% | 922 |
| Noninterest income to average assets | 1.7892% | 421 |
| Noninterest expense to average assets | 3.7612% | 1,832 |
| Loan and lease loss provision to assets | 0.9970% | 1,478 |
| Net operating income to assets | 0.9656% | 2,719 |
| Return on assets (ROA) | 0.8111% | 3,231 |
| Pretax return on assets | 1.1355% | 2,898 |
| Return on Equity (ROE) | 7.5866% | 3,246 |
| Retained earnings to average equity (ytd only) | 7.1684% | 1,096 |
| Net charge-offs to loans | 0.6162% | 1,992 |
| Credit loss provision to net charge-offs | 200.6478% | 2,428 |
| Earnings coverage of net charge-offs (x) | 4.7295% | 3,881 |
| Efficiency ratio | 61.2598% | 6,118 |
| Assets per employee ($millions) | 3.1335% | 5,670 |
| Cash dividends to net income (ytd only)* | 5.5121% | 4,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6451% | 2,079 |
| Loan loss allowance to noncurrent loans | 87.4528% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 2.1624% | 2,261 |
| Noncurrent loans to loans | 1.8812% | 2,940 |
| Net loans and leases to total assets | 77.7871% | 2,196 |
| Net loans and leases to deposits | 140.4292% | 105 |
| Net loans and leases to core deposits | 151.3219% | 807 |
| Total domestic deposits to total assets | 55.3924% | 8,067 |
| Equity capital to assets | 10.1667% | 3,847 |
| Core capital (leverage) ratio | 8.6767% | 5,241 |
| Tier 1 risk-based capital ratio | 10.6145% | 6,085 |
| Total risk-based capital ratio | 11.8697% | 5,974 |
| Memoranda: | ||
| Average total assets | $1,118,334,400 | 594 |
| Average earning assets | $1,022,421,600 | 588 |
| Average equity | $119,566,200 | 568 |
| Average total loans | $901,855,000 | 538 |