Home > Valley Bank > Performance and Condition Ratios
Valley Bank, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9932% | 3,323 |
| Cost of funding earning assets | 0.4322% | 2,919 |
| Net interest margin | 3.5611% | 3,244 |
| Noninterest income to average assets | -0.4197% | 6,333 |
| Noninterest expense to average assets | 4.1339% | 589 |
| Loan and lease loss provision to assets | 0.0210% | 3,715 |
| Net operating income to assets | -0.8868% | 6,252 |
| Return on assets (ROA) | -0.8343% | 6,251 |
| Pretax return on assets | -1.2019% | 6,271 |
| Return on Equity (ROE) | -8.4371% | 6,240 |
| Retained earnings to average equity (ytd only) | -9.6050% | 6,171 |
| Net charge-offs to loans | 0.9259% | 221 |
| Credit loss provision to net charge-offs | 3.1477% | 3,137 |
| Earnings coverage of net charge-offs (x) | -1.8820% | 3,786 |
| Efficiency ratio | 143.6853% | 49 |
| Assets per employee ($millions) | 6.4891% | 1,057 |
| Cash dividends to net income (ytd only)* | -13.8427% | 6,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5894% | 5,990 |
| Loan loss allowance to noncurrent loans | 301.5485% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 1.1073% | 2,294 |
| Noncurrent loans to loans | 0.1955% | 4,992 |
| Net loans and leases to total assets | 73.9708% | 1,665 |
| Net loans and leases to deposits | 96.4192% | 922 |
| Net loans and leases to core deposits | 106.7341% | 1,034 |
| Total domestic deposits to total assets | 76.7179% | 5,493 |
| Equity capital to assets | 9.6865% | 4,421 |
| Core capital (leverage) ratio | 9.7238% | 3,973 |
| Tier 1 risk-based capital ratio | 13.1050% | 4,457 |
| Total risk-based capital ratio | 13.6926% | 4,762 |
| Memoranda: | ||
| Average total assets | $865,825,670 | 804 |
| Average earning assets | $801,560,670 | 787 |
| Average equity | $85,622,000 | 898 |
| Average total loans | $624,500,000 | 753 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9380% | 3,466 |
| Cost of funding earning assets | 0.4303% | 2,974 |
| Net interest margin | 3.5077% | 3,409 |
| Noninterest income to average assets | 0.5601% | 2,891 |
| Noninterest expense to average assets | 2.4303% | 4,512 |
| Loan and lease loss provision to assets | -0.0068% | 6,093 |
| Net operating income to assets | 0.9487% | 2,518 |
| Return on assets (ROA) | 1.0523% | 2,164 |
| Pretax return on assets | 1.5289% | 1,467 |
| Return on Equity (ROE) | 10.5371% | 1,786 |
| Retained earnings to average equity (ytd only) | 10.5371% | 806 |
| Net charge-offs to loans | -0.0096% | 4,706 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9155% | 4,499 |
| Assets per employee ($millions) | 5.8850% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0356% | 4,842 |
| Loan loss allowance to noncurrent loans | 202.2402% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 1.8170% | 1,347 |
| Noncurrent loans to loans | 0.5121% | 4,041 |
| Net loans and leases to total assets | 72.7891% | 1,684 |
| Net loans and leases to deposits | 90.8926% | 1,305 |
| Net loans and leases to core deposits | 103.4465% | 1,097 |
| Total domestic deposits to total assets | 80.0825% | 5,032 |
| Equity capital to assets | 10.4282% | 3,614 |
| Core capital (leverage) ratio | 10.2169% | 3,323 |
| Tier 1 risk-based capital ratio | 13.6691% | 4,241 |
| Total risk-based capital ratio | 14.6680% | 4,284 |
| Memoranda: | ||
| Average total assets | $876,946,500 | 802 |
| Average earning assets | $810,566,000 | 785 |
| Average equity | $87,576,000 | 882 |
| Average total loans | $622,897,000 | 750 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0489% | 3,527 |
| Cost of funding earning assets | 0.4393% | 3,283 |
| Net interest margin | 3.6097% | 3,378 |
| Noninterest income to average assets | 0.5044% | 3,469 |
| Noninterest expense to average assets | 2.4757% | 4,623 |
| Loan and lease loss provision to assets | 0.1478% | 1,781 |
| Net operating income to assets | 0.8453% | 3,137 |
| Return on assets (ROA) | 0.9042% | 2,940 |
| Pretax return on assets | 1.2876% | 2,286 |
| Return on Equity (ROE) | 9.6590% | 2,269 |
| Retained earnings to average equity (ytd only) | 8.0576% | 1,001 |
| Net charge-offs to loans | 0.3324% | 1,327 |
| Credit loss provision to net charge-offs | 64.6821% | 3,189 |
| Earnings coverage of net charge-offs (x) | 5.9117% | 3,320 |
| Efficiency ratio | 64.6919% | 4,459 |
| Assets per employee ($millions) | 6.1682% | 1,267 |
| Cash dividends to net income (ytd only)* | 16.5795% | 3,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 4,803 |
| Loan loss allowance to noncurrent loans | 110.6760% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 2.0189% | 1,259 |
| Noncurrent loans to loans | 0.9501% | 2,951 |
| Net loans and leases to total assets | 67.9200% | 2,571 |
| Net loans and leases to deposits | 85.2229% | 2,072 |
| Net loans and leases to core deposits | 97.4273% | 1,597 |
| Total domestic deposits to total assets | 79.6969% | 5,094 |
| Equity capital to assets | 9.5679% | 4,629 |
| Core capital (leverage) ratio | 9.9839% | 3,586 |
| Tier 1 risk-based capital ratio | 13.5167% | 4,401 |
| Total risk-based capital ratio | 14.5308% | 4,473 |
| Memoranda: | ||
| Average total assets | $867,143,000 | 774 |
| Average earning assets | $798,158,200 | 763 |
| Average equity | $81,178,200 | 903 |
| Average total loans | $596,345,200 | 741 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0873% | 3,429 |
| Cost of funding earning assets | 0.4431% | 3,335 |
| Net interest margin | 3.6443% | 3,247 |
| Noninterest income to average assets | 0.5210% | 3,403 |
| Noninterest expense to average assets | 2.4896% | 4,561 |
| Loan and lease loss provision to assets | 0.2062% | 1,139 |
| Net operating income to assets | 0.8258% | 3,312 |
| Return on assets (ROA) | 0.9051% | 2,984 |
| Pretax return on assets | 1.2894% | 2,414 |
| Return on Equity (ROE) | 9.7248% | 2,341 |
| Retained earnings to average equity (ytd only) | 8.3069% | 1,218 |
| Net charge-offs to loans | 0.4497% | 875 |
| Credit loss provision to net charge-offs | 66.6332% | 2,823 |
| Earnings coverage of net charge-offs (x) | 4.4671% | 3,451 |
| Efficiency ratio | 64.3009% | 4,491 |
| Assets per employee ($millions) | 5.8672% | 1,434 |
| Cash dividends to net income (ytd only)* | 14.5798% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 4,853 |
| Loan loss allowance to noncurrent loans | 168.6017% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 1.8527% | 1,595 |
| Noncurrent loans to loans | 0.6391% | 4,017 |
| Net loans and leases to total assets | 70.0317% | 2,185 |
| Net loans and leases to deposits | 87.9354% | 1,685 |
| Net loans and leases to core deposits | 102.0933% | 1,207 |
| Total domestic deposits to total assets | 79.6400% | 5,190 |
| Equity capital to assets | 9.7884% | 4,434 |
| Core capital (leverage) ratio | 9.9150% | 3,794 |
| Tier 1 risk-based capital ratio | 13.4101% | 4,596 |
| Total risk-based capital ratio | 14.4402% | 4,673 |
| Memoranda: | ||
| Average total assets | $858,788,250 | 786 |
| Average earning assets | $789,639,250 | 778 |
| Average equity | $79,931,500 | 922 |
| Average total loans | $590,891,000 | 748 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 3,401 |
| Cost of funding earning assets | 0.4413% | 3,425 |
| Net interest margin | 3.6451% | 3,167 |
| Noninterest income to average assets | 0.5564% | 3,074 |
| Noninterest expense to average assets | 2.4772% | 4,648 |
| Loan and lease loss provision to assets | 0.3423% | 528 |
| Net operating income to assets | 0.7579% | 3,527 |
| Return on assets (ROA) | 0.8754% | 3,021 |
| Pretax return on assets | 1.2512% | 2,448 |
| Return on Equity (ROE) | 9.5694% | 2,346 |
| Retained earnings to average equity (ytd only) | 7.4072% | 1,564 |
| Net charge-offs to loans | 0.6935% | 554 |
| Credit loss provision to net charge-offs | 72.4274% | 2,428 |
| Earnings coverage of net charge-offs (x) | 3.0167% | 3,414 |
| Efficiency ratio | 63.4711% | 4,773 |
| Assets per employee ($millions) | 5.9879% | 1,283 |
| Cash dividends to net income (ytd only)* | 22.5944% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 4,899 |
| Loan loss allowance to noncurrent loans | 122.4866% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 1.8077% | 1,793 |
| Noncurrent loans to loans | 0.9000% | 3,454 |
| Net loans and leases to total assets | 67.2165% | 2,546 |
| Net loans and leases to deposits | 84.1025% | 2,026 |
| Net loans and leases to core deposits | 98.9732% | 1,372 |
| Total domestic deposits to total assets | 79.9221% | 5,258 |
| Equity capital to assets | 9.2360% | 5,060 |
| Core capital (leverage) ratio | 9.6074% | 4,164 |
| Tier 1 risk-based capital ratio | 13.1365% | 4,829 |
| Total risk-based capital ratio | 14.1873% | 4,892 |
| Memoranda: | ||
| Average total assets | $859,515,670 | 785 |
| Average earning assets | $789,119,330 | 780 |
| Average equity | $78,626,000 | 930 |
| Average total loans | $585,711,000 | 744 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1453% | 3,102 |
| Cost of funding earning assets | 0.4457% | 3,473 |
| Net interest margin | 3.6996% | 2,867 |
| Noninterest income to average assets | 0.5016% | 3,395 |
| Noninterest expense to average assets | 2.4737% | 4,701 |
| Loan and lease loss provision to assets | 0.2037% | 1,138 |
| Net operating income to assets | 0.8443% | 2,934 |
| Return on assets (ROA) | 0.8466% | 2,992 |
| Pretax return on assets | 1.2059% | 2,469 |
| Return on Equity (ROE) | 9.3023% | 2,330 |
| Retained earnings to average equity (ytd only) | 6.7053% | 2,188 |
| Net charge-offs to loans | 0.8355% | 414 |
| Credit loss provision to net charge-offs | 35.7380% | 2,344 |
| Earnings coverage of net charge-offs (x) | 2.4668% | 2,873 |
| Efficiency ratio | 63.7549% | 4,899 |
| Assets per employee ($millions) | 6.1115% | 1,237 |
| Cash dividends to net income (ytd only)* | 27.9174% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 5,122 |
| Loan loss allowance to noncurrent loans | 250.6828% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 2.5730% | 1,227 |
| Noncurrent loans to loans | 0.4384% | 4,834 |
| Net loans and leases to total assets | 66.6281% | 2,458 |
| Net loans and leases to deposits | 82.8185% | 1,969 |
| Net loans and leases to core deposits | 95.2849% | 1,444 |
| Total domestic deposits to total assets | 80.4508% | 5,393 |
| Equity capital to assets | 9.0493% | 5,060 |
| Core capital (leverage) ratio | 9.7060% | 3,990 |
| Tier 1 risk-based capital ratio | 12.9191% | 5,045 |
| Total risk-based capital ratio | 13.9389% | 5,133 |
| Memoranda: | ||
| Average total assets | $846,166,000 | 806 |
| Average earning assets | $772,723,500 | 800 |
| Average equity | $77,013,500 | 949 |
| Average total loans | $577,405,000 | 759 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3228% | 2,871 |
| Cost of funding earning assets | 0.5255% | 3,342 |
| Net interest margin | 3.7974% | 2,671 |
| Noninterest income to average assets | 0.4556% | 4,052 |
| Noninterest expense to average assets | 2.6530% | 4,269 |
| Loan and lease loss provision to assets | -0.0584% | 6,407 |
| Net operating income to assets | 0.9234% | 2,670 |
| Return on assets (ROA) | 0.9274% | 2,734 |
| Pretax return on assets | 1.3249% | 2,055 |
| Return on Equity (ROE) | 9.6407% | 2,264 |
| Retained earnings to average equity (ytd only) | 2.9829% | 4,121 |
| Net charge-offs to loans | 0.0714% | 4,209 |
| Credit loss provision to net charge-offs | -117.7215% | 5,905 |
| Earnings coverage of net charge-offs (x) | 25.4203% | 1,329 |
| Efficiency ratio | 67.7843% | 4,241 |
| Assets per employee ($millions) | 6.0625% | 1,238 |
| Cash dividends to net income (ytd only)* | 69.0589% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 4,330 |
| Loan loss allowance to noncurrent loans | 207.5526% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 2.8107% | 1,158 |
| Noncurrent loans to loans | 0.6084% | 4,456 |
| Net loans and leases to total assets | 68.2796% | 2,304 |
| Net loans and leases to deposits | 83.1333% | 2,038 |
| Net loans and leases to core deposits | 91.6764% | 1,824 |
| Total domestic deposits to total assets | 82.1326% | 4,827 |
| Equity capital to assets | 9.1564% | 4,859 |
| Core capital (leverage) ratio | 9.8968% | 3,712 |
| Tier 1 risk-based capital ratio | 12.9701% | 4,989 |
| Total risk-based capital ratio | 14.1360% | 5,003 |
| Memoranda: | ||
| Average total assets | $796,351,600 | 833 |
| Average earning assets | $725,240,600 | 841 |
| Average equity | $76,602,200 | 928 |
| Average total loans | $553,583,600 | 759 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3282% | 2,876 |
| Cost of funding earning assets | 0.5366% | 3,397 |
| Net interest margin | 3.7916% | 2,669 |
| Noninterest income to average assets | 0.5010% | 3,796 |
| Noninterest expense to average assets | 2.5964% | 4,401 |
| Loan and lease loss provision to assets | -0.0451% | 6,543 |
| Net operating income to assets | 0.9848% | 2,446 |
| Return on assets (ROA) | 0.9946% | 2,484 |
| Pretax return on assets | 1.4181% | 1,876 |
| Return on Equity (ROE) | 10.2114% | 2,101 |
| Retained earnings to average equity (ytd only) | 1.8869% | 5,190 |
| Net charge-offs to loans | 0.0881% | 3,690 |
| Credit loss provision to net charge-offs | -73.5537% | 5,747 |
| Earnings coverage of net charge-offs (x) | 22.1624% | 1,512 |
| Efficiency ratio | 65.6431% | 4,556 |
| Assets per employee ($millions) | 5.7203% | 1,430 |
| Cash dividends to net income (ytd only)* | 81.5217% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 4,228 |
| Loan loss allowance to noncurrent loans | 186.9653% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 3.1554% | 1,147 |
| Noncurrent loans to loans | 0.7127% | 4,429 |
| Net loans and leases to total assets | 69.1924% | 2,101 |
| Net loans and leases to deposits | 84.6713% | 1,781 |
| Net loans and leases to core deposits | 93.9156% | 1,584 |
| Total domestic deposits to total assets | 81.7189% | 5,022 |
| Equity capital to assets | 9.5042% | 4,550 |
| Core capital (leverage) ratio | 9.9278% | 3,777 |
| Tier 1 risk-based capital ratio | 13.0991% | 5,056 |
| Total risk-based capital ratio | 14.3326% | 5,020 |
| Memoranda: | ||
| Average total assets | $789,315,250 | 850 |
| Average earning assets | $719,107,250 | 851 |
| Average equity | $76,879,250 | 940 |
| Average total loans | $549,438,750 | 764 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3225% | 2,860 |
| Cost of funding earning assets | 0.5576% | 3,340 |
| Net interest margin | 3.7648% | 2,694 |
| Noninterest income to average assets | 0.5715% | 3,375 |
| Noninterest expense to average assets | 2.5932% | 4,413 |
| Loan and lease loss provision to assets | 0.0165% | 4,563 |
| Net operating income to assets | 0.9675% | 2,478 |
| Return on assets (ROA) | 0.9795% | 2,566 |
| Pretax return on assets | 1.4108% | 1,891 |
| Return on Equity (ROE) | 9.9747% | 2,208 |
| Retained earnings to average equity (ytd only) | 1.6969% | 5,165 |
| Net charge-offs to loans | 0.0348% | 4,196 |
| Credit loss provision to net charge-offs | 68.4211% | 2,855 |
| Earnings coverage of net charge-offs (x) | 58.4316% | 717 |
| Efficiency ratio | 64.7779% | 4,741 |
| Assets per employee ($millions) | 5.7134% | 1,404 |
| Cash dividends to net income (ytd only)* | 82.9876% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 3,799 |
| Loan loss allowance to noncurrent loans | 153.9494% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 3.4069% | 1,141 |
| Noncurrent loans to loans | 0.9437% | 4,038 |
| Net loans and leases to total assets | 67.6148% | 2,320 |
| Net loans and leases to deposits | 81.6757% | 2,093 |
| Net loans and leases to core deposits | 90.9450% | 1,815 |
| Total domestic deposits to total assets | 82.7844% | 4,786 |
| Equity capital to assets | 9.3420% | 4,797 |
| Core capital (leverage) ratio | 9.8749% | 3,678 |
| Tier 1 risk-based capital ratio | 12.9014% | 5,221 |
| Total risk-based capital ratio | 14.1523% | 5,155 |
| Memoranda: | ||
| Average total assets | $787,380,330 | 853 |
| Average earning assets | $717,692,670 | 848 |
| Average equity | $77,315,670 | 937 |
| Average total loans | $546,720,670 | 760 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3288% | 2,770 |
| Cost of funding earning assets | 0.5700% | 3,383 |
| Net interest margin | 3.7588% | 2,616 |
| Noninterest income to average assets | 0.5895% | 3,193 |
| Noninterest expense to average assets | 2.6196% | 4,339 |
| Loan and lease loss provision to assets | 0.1002% | 3,006 |
| Net operating income to assets | 0.9043% | 2,634 |
| Return on assets (ROA) | 0.9287% | 2,668 |
| Pretax return on assets | 1.3347% | 2,101 |
| Return on Equity (ROE) | 9.2259% | 2,388 |
| Retained earnings to average equity (ytd only) | 1.0569% | 5,428 |
| Net charge-offs to loans | -0.0110% | 5,478 |
| Credit loss provision to net charge-offs | -1,300.0000% | 5,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1707% | 4,801 |
| Assets per employee ($millions) | 5.7034% | 1,478 |
| Cash dividends to net income (ytd only)* | 88.5445% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 3,755 |
| Loan loss allowance to noncurrent loans | 98.6285% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 3.8759% | 1,054 |
| Noncurrent loans to loans | 1.5366% | 3,247 |
| Net loans and leases to total assets | 67.7889% | 2,052 |
| Net loans and leases to deposits | 81.4754% | 1,901 |
| Net loans and leases to core deposits | 89.1205% | 1,791 |
| Total domestic deposits to total assets | 83.2018% | 4,792 |
| Equity capital to assets | 9.8768% | 4,308 |
| Core capital (leverage) ratio | 10.1717% | 3,180 |
| Tier 1 risk-based capital ratio | 13.0868% | 5,153 |
| Total risk-based capital ratio | 14.3385% | 5,106 |
| Memoranda: | ||
| Average total assets | $778,276,000 | 870 |
| Average earning assets | $710,222,000 | 866 |
| Average equity | $78,344,500 | 938 |
| Average total loans | $543,717,500 | 767 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4436% | 3,637 |
| Cost of funding earning assets | 0.7965% | 2,693 |
| Net interest margin | 3.6471% | 3,891 |
| Noninterest income to average assets | 0.2943% | 5,363 |
| Noninterest expense to average assets | 2.4913% | 5,127 |
| Loan and lease loss provision to assets | 0.0511% | 5,174 |
| Net operating income to assets | 0.7805% | 3,367 |
| Return on assets (ROA) | 0.8891% | 3,112 |
| Pretax return on assets | 1.2436% | 2,623 |
| Return on Equity (ROE) | 9.1586% | 2,558 |
| Retained earnings to average equity (ytd only) | 9.1586% | 780 |
| Net charge-offs to loans | 0.3770% | 2,749 |
| Credit loss provision to net charge-offs | 20.0201% | 5,287 |
| Earnings coverage of net charge-offs (x) | 4.4748% | 3,353 |
| Efficiency ratio | 68.5720% | 4,039 |
| Assets per employee ($millions) | 5.5751% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4878% | 3,797 |
| Loan loss allowance to noncurrent loans | 109.0958% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 3.7598% | 1,180 |
| Noncurrent loans to loans | 1.3637% | 3,554 |
| Net loans and leases to total assets | 69.8753% | 1,866 |
| Net loans and leases to deposits | 85.7099% | 1,550 |
| Net loans and leases to core deposits | 90.1902% | 1,813 |
| Total domestic deposits to total assets | 81.5253% | 5,252 |
| Equity capital to assets | 10.2632% | 3,805 |
| Core capital (leverage) ratio | 10.0712% | 3,308 |
| Tier 1 risk-based capital ratio | 13.2070% | 4,960 |
| Total risk-based capital ratio | 14.4584% | 4,898 |
| Memoranda: | ||
| Average total assets | $779,121,600 | 848 |
| Average earning assets | $713,254,000 | 842 |
| Average equity | $75,633,800 | 936 |
| Average total loans | $527,257,200 | 783 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4348% | 3,903 |
| Cost of funding earning assets | 0.8197% | 2,780 |
| Net interest margin | 3.6151% | 4,167 |
| Noninterest income to average assets | 0.4526% | 4,271 |
| Noninterest expense to average assets | 2.4350% | 5,293 |
| Loan and lease loss provision to assets | -0.0090% | 6,954 |
| Net operating income to assets | 0.9289% | 2,834 |
| Return on assets (ROA) | 0.9475% | 2,985 |
| Pretax return on assets | 1.3686% | 2,346 |
| Return on Equity (ROE) | 9.8986% | 2,396 |
| Retained earnings to average equity (ytd only) | 9.8986% | 944 |
| Net charge-offs to loans | 0.2671% | 3,118 |
| Credit loss provision to net charge-offs | -5.0524% | 6,088 |
| Earnings coverage of net charge-offs (x) | 7.4605% | 2,603 |
| Efficiency ratio | 64.6282% | 4,691 |
| Assets per employee ($millions) | 5.6443% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 3,612 |
| Loan loss allowance to noncurrent loans | 92.6512% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 3.9895% | 1,207 |
| Noncurrent loans to loans | 1.7029% | 3,227 |
| Net loans and leases to total assets | 67.9642% | 2,306 |
| Net loans and leases to deposits | 85.8413% | 1,617 |
| Net loans and leases to core deposits | 93.7969% | 1,601 |
| Total domestic deposits to total assets | 79.1743% | 5,827 |
| Equity capital to assets | 10.0093% | 4,482 |
| Core capital (leverage) ratio | 9.7561% | 3,866 |
| Tier 1 risk-based capital ratio | 12.8758% | 5,350 |
| Total risk-based capital ratio | 14.1282% | 5,313 |
| Memoranda: | ||
| Average total assets | $782,956,000 | 853 |
| Average earning assets | $717,968,750 | 840 |
| Average equity | $74,945,000 | 946 |
| Average total loans | $523,632,500 | 791 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4457% | 3,999 |
| Cost of funding earning assets | 0.8536% | 2,772 |
| Net interest margin | 3.5920% | 4,296 |
| Noninterest income to average assets | 0.4806% | 4,054 |
| Noninterest expense to average assets | 2.4140% | 5,406 |
| Loan and lease loss provision to assets | -0.0135% | 7,033 |
| Net operating income to assets | 0.9546% | 2,640 |
| Return on assets (ROA) | 0.9616% | 2,859 |
| Pretax return on assets | 1.3903% | 2,236 |
| Return on Equity (ROE) | 10.2020% | 2,278 |
| Retained earnings to average equity (ytd only) | 10.2020% | 921 |
| Net charge-offs to loans | 0.2342% | 3,168 |
| Credit loss provision to net charge-offs | -8.7459% | 5,923 |
| Earnings coverage of net charge-offs (x) | 8.8218% | 2,242 |
| Efficiency ratio | 63.8540% | 4,918 |
| Assets per employee ($millions) | 5.8929% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6927% | 3,249 |
| Loan loss allowance to noncurrent loans | 146.0764% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 3.4969% | 1,524 |
| Noncurrent loans to loans | 1.1588% | 4,222 |
| Net loans and leases to total assets | 65.6375% | 2,746 |
| Net loans and leases to deposits | 78.3998% | 2,614 |
| Net loans and leases to core deposits | 90.3702% | 1,950 |
| Total domestic deposits to total assets | 83.7215% | 4,429 |
| Equity capital to assets | 9.5663% | 4,956 |
| Core capital (leverage) ratio | 9.3913% | 4,310 |
| Tier 1 risk-based capital ratio | 12.8159% | 5,326 |
| Total risk-based capital ratio | 14.0695% | 5,296 |
| Memoranda: | ||
| Average total assets | $782,420,000 | 852 |
| Average earning assets | $718,812,670 | 837 |
| Average equity | $73,750,330 | 955 |
| Average total loans | $517,586,330 | 803 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4627% | 4,059 |
| Cost of funding earning assets | 0.9162% | 2,559 |
| Net interest margin | 3.5465% | 4,502 |
| Noninterest income to average assets | 0.4717% | 4,134 |
| Noninterest expense to average assets | 2.4324% | 5,363 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8999% | 2,912 |
| Return on assets (ROA) | 0.9141% | 3,071 |
| Pretax return on assets | 1.3188% | 2,478 |
| Return on Equity (ROE) | 9.7722% | 2,482 |
| Retained earnings to average equity (ytd only) | 9.7722% | 1,331 |
| Net charge-offs to loans | 0.2843% | 2,532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 6.9366% | 2,140 |
| Efficiency ratio | 65.2018% | 4,700 |
| Assets per employee ($millions) | 5.9133% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8052% | 2,978 |
| Loan loss allowance to noncurrent loans | 149.9112% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 3.4420% | 1,673 |
| Noncurrent loans to loans | 1.2042% | 4,322 |
| Net loans and leases to total assets | 64.7194% | 2,710 |
| Net loans and leases to deposits | 78.5014% | 2,419 |
| Net loans and leases to core deposits | 88.0515% | 2,046 |
| Total domestic deposits to total assets | 82.4436% | 5,147 |
| Equity capital to assets | 9.4286% | 4,904 |
| Core capital (leverage) ratio | 9.4385% | 4,138 |
| Tier 1 risk-based capital ratio | 12.7056% | 5,436 |
| Total risk-based capital ratio | 13.9602% | 5,393 |
| Memoranda: | ||
| Average total assets | $775,858,000 | 856 |
| Average earning assets | $712,927,500 | 846 |
| Average equity | $72,573,500 | 962 |
| Average total loans | $510,796,500 | 815 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5657% | 4,803 |
| Cost of funding earning assets | 1.1164% | 2,565 |
| Net interest margin | 3.4492% | 5,337 |
| Noninterest income to average assets | 0.2439% | 5,799 |
| Noninterest expense to average assets | 2.4054% | 5,759 |
| Loan and lease loss provision to assets | 0.0289% | 6,209 |
| Net operating income to assets | 0.7072% | 3,457 |
| Return on assets (ROA) | 0.8002% | 3,201 |
| Pretax return on assets | 1.1225% | 2,753 |
| Return on Equity (ROE) | 9.1728% | 2,376 |
| Retained earnings to average equity (ytd only) | 9.1728% | 756 |
| Net charge-offs to loans | 0.3011% | 3,896 |
| Credit loss provision to net charge-offs | 14.2042% | 5,977 |
| Earnings coverage of net charge-offs (x) | 5.0216% | 2,917 |
| Efficiency ratio | 70.2159% | 3,899 |
| Assets per employee ($millions) | 5.7549% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9028% | 2,560 |
| Loan loss allowance to noncurrent loans | 134.1582% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 3.1424% | 1,901 |
| Noncurrent loans to loans | 1.4184% | 4,033 |
| Net loans and leases to total assets | 64.5113% | 3,079 |
| Net loans and leases to deposits | 78.5341% | 2,750 |
| Net loans and leases to core deposits | 88.0452% | 2,368 |
| Total domestic deposits to total assets | 82.1442% | 5,081 |
| Equity capital to assets | 9.2785% | 5,174 |
| Core capital (leverage) ratio | 9.3024% | 4,326 |
| Tier 1 risk-based capital ratio | 12.6187% | 5,351 |
| Total risk-based capital ratio | 13.8744% | 5,338 |
| Memoranda: | ||
| Average total assets | $776,140,400 | 846 |
| Average earning assets | $715,953,600 | 830 |
| Average equity | $67,710,800 | 989 |
| Average total loans | $523,743,800 | 794 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6171% | 4,799 |
| Cost of funding earning assets | 1.1509% | 2,628 |
| Net interest margin | 3.4662% | 5,326 |
| Noninterest income to average assets | 0.2086% | 6,125 |
| Noninterest expense to average assets | 2.4898% | 5,501 |
| Loan and lease loss provision to assets | 0.0729% | 5,544 |
| Net operating income to assets | 0.6131% | 4,030 |
| Return on assets (ROA) | 0.7387% | 3,604 |
| Pretax return on assets | 1.0203% | 3,327 |
| Return on Equity (ROE) | 8.6030% | 2,778 |
| Retained earnings to average equity (ytd only) | 8.6030% | 1,279 |
| Net charge-offs to loans | 0.3574% | 3,303 |
| Credit loss provision to net charge-offs | 30.0353% | 5,414 |
| Earnings coverage of net charge-offs (x) | 3.7859% | 3,298 |
| Efficiency ratio | 73.0452% | 3,352 |
| Assets per employee ($millions) | 5.7795% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9631% | 2,437 |
| Loan loss allowance to noncurrent loans | 90.3048% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 3.8536% | 1,602 |
| Noncurrent loans to loans | 2.1738% | 3,148 |
| Net loans and leases to total assets | 66.5560% | 2,770 |
| Net loans and leases to deposits | 81.8760% | 2,383 |
| Net loans and leases to core deposits | 91.9030% | 2,006 |
| Total domestic deposits to total assets | 81.2888% | 5,343 |
| Equity capital to assets | 9.3019% | 5,379 |
| Core capital (leverage) ratio | 8.9039% | 5,091 |
| Tier 1 risk-based capital ratio | 12.2829% | 5,679 |
| Total risk-based capital ratio | 13.5395% | 5,661 |
| Memoranda: | ||
| Average total assets | $777,384,750 | 850 |
| Average earning assets | $717,687,500 | 835 |
| Average equity | $66,750,500 | 1,011 |
| Average total loans | $527,895,500 | 802 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5847% | 5,034 |
| Cost of funding earning assets | 1.1797% | 2,710 |
| Net interest margin | 3.4050% | 5,539 |
| Noninterest income to average assets | 0.2292% | 6,020 |
| Noninterest expense to average assets | 2.4909% | 5,578 |
| Loan and lease loss provision to assets | 0.0664% | 5,475 |
| Net operating income to assets | 0.5742% | 4,190 |
| Return on assets (ROA) | 0.6590% | 3,874 |
| Pretax return on assets | 0.9406% | 3,471 |
| Return on Equity (ROE) | 7.8838% | 2,991 |
| Retained earnings to average equity (ytd only) | 7.8838% | 1,495 |
| Net charge-offs to loans | 0.3612% | 3,111 |
| Credit loss provision to net charge-offs | 27.0747% | 5,029 |
| Earnings coverage of net charge-offs (x) | 3.6120% | 3,108 |
| Efficiency ratio | 73.7643% | 3,401 |
| Assets per employee ($millions) | 5.9376% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9654% | 2,467 |
| Loan loss allowance to noncurrent loans | 80.9176% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 3.6695% | 1,781 |
| Noncurrent loans to loans | 2.4289% | 2,957 |
| Net loans and leases to total assets | 64.5720% | 3,350 |
| Net loans and leases to deposits | 77.8873% | 3,137 |
| Net loans and leases to core deposits | 93.7742% | 1,922 |
| Total domestic deposits to total assets | 82.9044% | 4,794 |
| Equity capital to assets | 8.5498% | 6,132 |
| Core capital (leverage) ratio | 8.4775% | 5,588 |
| Tier 1 risk-based capital ratio | 11.7729% | 5,955 |
| Total risk-based capital ratio | 13.0298% | 5,941 |
| Memoranda: | ||
| Average total assets | $786,069,330 | 853 |
| Average earning assets | $726,630,670 | 833 |
| Average equity | $65,704,670 | 1,028 |
| Average total loans | $533,837,670 | 802 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5711% | 5,076 |
| Cost of funding earning assets | 1.2438% | 2,546 |
| Net interest margin | 3.3272% | 5,687 |
| Noninterest income to average assets | 0.2734% | 5,720 |
| Noninterest expense to average assets | 2.6833% | 4,900 |
| Loan and lease loss provision to assets | -0.2232% | 7,514 |
| Net operating income to assets | 0.6287% | 3,873 |
| Return on assets (ROA) | 0.6338% | 3,913 |
| Pretax return on assets | 0.8924% | 3,525 |
| Return on Equity (ROE) | 7.6722% | 3,058 |
| Retained earnings to average equity (ytd only) | 7.6722% | 1,851 |
| Net charge-offs to loans | 0.0497% | 4,439 |
| Credit loss provision to net charge-offs | -650.7463% | 6,015 |
| Earnings coverage of net charge-offs (x) | 19.2985% | 1,147 |
| Efficiency ratio | 80.2112% | 2,492 |
| Assets per employee ($millions) | 5.9935% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9641% | 2,503 |
| Loan loss allowance to noncurrent loans | 83.9866% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 3.5551% | 1,913 |
| Noncurrent loans to loans | 2.3385% | 3,150 |
| Net loans and leases to total assets | 65.7487% | 3,076 |
| Net loans and leases to deposits | 79.2014% | 2,855 |
| Net loans and leases to core deposits | 96.4139% | 1,642 |
| Total domestic deposits to total assets | 83.0145% | 4,921 |
| Equity capital to assets | 8.2211% | 6,258 |
| Core capital (leverage) ratio | 8.5450% | 5,359 |
| Tier 1 risk-based capital ratio | 11.4570% | 6,136 |
| Total risk-based capital ratio | 12.7140% | 6,116 |
| Memoranda: | ||
| Average total assets | $781,286,000 | 864 |
| Average earning assets | $721,318,500 | 848 |
| Average equity | $64,544,500 | 1,039 |
| Average total loans | $538,727,500 | 804 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7814% | 5,483 |
| Cost of funding earning assets | 1.6826% | 1,674 |
| Net interest margin | 3.0989% | 6,521 |
| Noninterest income to average assets | 0.3209% | 5,488 |
| Noninterest expense to average assets | 2.3041% | 6,348 |
| Loan and lease loss provision to assets | 0.1501% | 5,696 |
| Net operating income to assets | 0.5186% | 4,011 |
| Return on assets (ROA) | 0.5186% | 4,166 |
| Pretax return on assets | 0.7218% | 3,896 |
| Return on Equity (ROE) | 6.1643% | 3,539 |
| Retained earnings to average equity (ytd only) | 6.1643% | 1,737 |
| Net charge-offs to loans | 0.4982% | 3,636 |
| Credit loss provision to net charge-offs | 41.1614% | 6,367 |
| Earnings coverage of net charge-offs (x) | 2.3904% | 3,940 |
| Efficiency ratio | 72.5473% | 3,695 |
| Assets per employee ($millions) | 5.7987% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0269% | 2,234 |
| Loan loss allowance to noncurrent loans | 84.3918% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 3.7879% | 1,807 |
| Noncurrent loans to loans | 2.4018% | 3,114 |
| Net loans and leases to total assets | 69.4827% | 2,667 |
| Net loans and leases to deposits | 84.0924% | 2,434 |
| Net loans and leases to core deposits | 100.1572% | 1,603 |
| Total domestic deposits to total assets | 82.6267% | 4,961 |
| Equity capital to assets | 8.3032% | 6,146 |
| Core capital (leverage) ratio | 8.2668% | 5,731 |
| Tier 1 risk-based capital ratio | 11.0594% | 6,286 |
| Total risk-based capital ratio | 12.3174% | 6,249 |
| Memoranda: | ||
| Average total assets | $750,652,600 | 899 |
| Average earning assets | $691,611,400 | 886 |
| Average equity | $63,154,000 | 1,058 |
| Average total loans | $549,588,600 | 818 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7762% | 5,754 |
| Cost of funding earning assets | 1.7658% | 1,568 |
| Net interest margin | 3.0104% | 6,810 |
| Noninterest income to average assets | 0.3531% | 5,344 |
| Noninterest expense to average assets | 2.2371% | 6,502 |
| Loan and lease loss provision to assets | 0.0187% | 6,864 |
| Net operating income to assets | 0.6181% | 3,802 |
| Return on assets (ROA) | 0.6181% | 3,970 |
| Pretax return on assets | 0.8707% | 3,661 |
| Return on Equity (ROE) | 7.3227% | 3,197 |
| Retained earnings to average equity (ytd only) | 7.3227% | 1,690 |
| Net charge-offs to loans | 0.4958% | 3,293 |
| Credit loss provision to net charge-offs | 5.1220% | 6,353 |
| Earnings coverage of net charge-offs (x) | 2.4307% | 3,959 |
| Efficiency ratio | 71.5517% | 3,790 |
| Assets per employee ($millions) | 5.8645% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9880% | 2,255 |
| Loan loss allowance to noncurrent loans | 61.8242% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 4.5982% | 1,468 |
| Noncurrent loans to loans | 3.2156% | 2,471 |
| Net loans and leases to total assets | 67.4382% | 3,343 |
| Net loans and leases to deposits | 83.3369% | 2,825 |
| Net loans and leases to core deposits | 98.1085% | 2,027 |
| Total domestic deposits to total assets | 80.9224% | 5,403 |
| Equity capital to assets | 8.3671% | 6,437 |
| Core capital (leverage) ratio | 8.3100% | 5,854 |
| Tier 1 risk-based capital ratio | 11.2684% | 6,130 |
| Total risk-based capital ratio | 12.5261% | 6,118 |
| Memoranda: | ||
| Average total assets | $746,957,750 | 908 |
| Average earning assets | $688,173,000 | 894 |
| Average equity | $63,053,750 | 1,059 |
| Average total loans | $551,274,250 | 820 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8647% | 5,559 |
| Cost of funding earning assets | 1.8106% | 1,602 |
| Net interest margin | 3.0541% | 6,712 |
| Noninterest income to average assets | 0.3258% | 5,545 |
| Noninterest expense to average assets | 2.2855% | 6,394 |
| Loan and lease loss provision to assets | -0.0345% | 7,752 |
| Net operating income to assets | 0.6291% | 3,734 |
| Return on assets (ROA) | 0.6291% | 3,873 |
| Pretax return on assets | 0.8927% | 3,525 |
| Return on Equity (ROE) | 7.4296% | 3,137 |
| Retained earnings to average equity (ytd only) | 7.4296% | 1,664 |
| Net charge-offs to loans | 0.6027% | 2,723 |
| Credit loss provision to net charge-offs | -7.5776% | 6,596 |
| Earnings coverage of net charge-offs (x) | 1.8842% | 4,108 |
| Efficiency ratio | 72.7006% | 3,709 |
| Assets per employee ($millions) | 5.6097% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0019% | 2,177 |
| Loan loss allowance to noncurrent loans | 65.0951% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 4.6992% | 1,377 |
| Noncurrent loans to loans | 3.0753% | 2,617 |
| Net loans and leases to total assets | 69.3684% | 3,044 |
| Net loans and leases to deposits | 85.7486% | 2,547 |
| Net loans and leases to core deposits | 101.6550% | 1,854 |
| Total domestic deposits to total assets | 80.8975% | 5,435 |
| Equity capital to assets | 8.4069% | 6,291 |
| Core capital (leverage) ratio | 8.5206% | 5,371 |
| Tier 1 risk-based capital ratio | 11.0170% | 6,221 |
| Total risk-based capital ratio | 12.2749% | 6,200 |
| Memoranda: | ||
| Average total assets | $735,952,670 | 923 |
| Average earning assets | $679,014,000 | 908 |
| Average equity | $62,318,000 | 1,070 |
| Average total loans | $556,142,670 | 825 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8783% | 5,567 |
| Cost of funding earning assets | 1.8635% | 1,593 |
| Net interest margin | 3.0148% | 6,796 |
| Noninterest income to average assets | 0.3123% | 5,652 |
| Noninterest expense to average assets | 2.2949% | 6,391 |
| Loan and lease loss provision to assets | 0.1152% | 5,457 |
| Net operating income to assets | 0.5238% | 4,267 |
| Return on assets (ROA) | 0.5238% | 4,408 |
| Pretax return on assets | 0.7031% | 4,223 |
| Return on Equity (ROE) | 6.1621% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.1621% | 2,544 |
| Net charge-offs to loans | 0.4077% | 2,821 |
| Credit loss provision to net charge-offs | 36.1739% | 4,714 |
| Earnings coverage of net charge-offs (x) | 2.5704% | 3,257 |
| Efficiency ratio | 73.7151% | 3,618 |
| Assets per employee ($millions) | 5.5605% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1758% | 1,803 |
| Loan loss allowance to noncurrent loans | 50.5135% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 3.7471% | 1,858 |
| Noncurrent loans to loans | 4.3075% | 1,763 |
| Net loans and leases to total assets | 75.0168% | 1,741 |
| Net loans and leases to deposits | 94.6785% | 1,273 |
| Net loans and leases to core deposits | 113.4931% | 1,067 |
| Total domestic deposits to total assets | 79.2332% | 6,023 |
| Equity capital to assets | 8.4578% | 6,063 |
| Core capital (leverage) ratio | 8.5877% | 5,224 |
| Tier 1 risk-based capital ratio | 10.8324% | 6,310 |
| Total risk-based capital ratio | 12.0934% | 6,283 |
| Memoranda: | ||
| Average total assets | $722,466,500 | 954 |
| Average earning assets | $671,217,500 | 938 |
| Average equity | $61,408,000 | 1,088 |
| Average total loans | $564,194,000 | 830 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2511% | 5,406 |
| Cost of funding earning assets | 2.1570% | 2,205 |
| Net interest margin | 3.0941% | 6,388 |
| Noninterest income to average assets | 0.2162% | 6,567 |
| Noninterest expense to average assets | 2.2897% | 6,778 |
| Loan and lease loss provision to assets | 1.9074% | 1,163 |
| Net operating income to assets | -0.6814% | 6,344 |
| Return on assets (ROA) | -0.5872% | 6,256 |
| Pretax return on assets | -0.9380% | 6,370 |
| Return on Equity (ROE) | -6.8086% | 6,374 |
| Retained earnings to average equity (ytd only) | -6.8086% | 6,222 |
| Net charge-offs to loans | 1.4336% | 1,751 |
| Credit loss provision to net charge-offs | 162.3388% | 2,716 |
| Earnings coverage of net charge-offs (x) | 0.6999% | 5,399 |
| Efficiency ratio | 73.5751% | 3,980 |
| Assets per employee ($millions) | 5.1518% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2305% | 1,592 |
| Loan loss allowance to noncurrent loans | 54.6108% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 3.6024% | 1,855 |
| Noncurrent loans to loans | 4.0843% | 1,807 |
| Net loans and leases to total assets | 77.7716% | 1,435 |
| Net loans and leases to deposits | 99.4008% | 954 |
| Net loans and leases to core deposits | 132.9463% | 1,113 |
| Total domestic deposits to total assets | 78.2404% | 6,169 |
| Equity capital to assets | 8.5431% | 5,822 |
| Core capital (leverage) ratio | 8.4611% | 5,344 |
| Tier 1 risk-based capital ratio | 10.6191% | 6,281 |
| Total risk-based capital ratio | 11.8809% | 6,243 |
| Memoranda: | ||
| Average total assets | $692,894,000 | 993 |
| Average earning assets | $648,489,600 | 960 |
| Average equity | $59,762,600 | 1,110 |
| Average total loans | $567,862,200 | 839 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2573% | 5,647 |
| Cost of funding earning assets | 2.1970% | 2,429 |
| Net interest margin | 3.0603% | 6,433 |
| Noninterest income to average assets | 0.2876% | 6,180 |
| Noninterest expense to average assets | 2.2685% | 6,785 |
| Loan and lease loss provision to assets | 1.5319% | 1,241 |
| Net operating income to assets | -0.3952% | 6,314 |
| Return on assets (ROA) | -0.2750% | 6,178 |
| Pretax return on assets | -0.4538% | 6,249 |
| Return on Equity (ROE) | -3.1810% | 6,269 |
| Retained earnings to average equity (ytd only) | -3.1810% | 5,971 |
| Net charge-offs to loans | 0.9717% | 2,031 |
| Credit loss provision to net charge-offs | 190.9003% | 2,375 |
| Earnings coverage of net charge-offs (x) | 1.1096% | 4,955 |
| Efficiency ratio | 71.8131% | 4,278 |
| Assets per employee ($millions) | 5.0831% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9409% | 1,929 |
| Loan loss allowance to noncurrent loans | 57.9684% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 3.0425% | 2,274 |
| Noncurrent loans to loans | 3.3482% | 2,254 |
| Net loans and leases to total assets | 80.8383% | 1,011 |
| Net loans and leases to deposits | 104.2548% | 753 |
| Net loans and leases to core deposits | 146.0892% | 683 |
| Total domestic deposits to total assets | 77.5391% | 6,209 |
| Equity capital to assets | 9.0389% | 5,431 |
| Core capital (leverage) ratio | 9.0757% | 4,534 |
| Tier 1 risk-based capital ratio | 10.8052% | 6,149 |
| Total risk-based capital ratio | 12.0636% | 6,104 |
| Memoranda: | ||
| Average total assets | $688,381,250 | 1,008 |
| Average earning assets | $645,840,000 | 978 |
| Average equity | $59,519,000 | 1,133 |
| Average total loans | $568,446,000 | 858 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2636% | 5,814 |
| Cost of funding earning assets | 2.2252% | 2,687 |
| Net interest margin | 3.0384% | 6,438 |
| Noninterest income to average assets | 0.2556% | 6,446 |
| Noninterest expense to average assets | 2.2740% | 6,840 |
| Loan and lease loss provision to assets | 2.1714% | 736 |
| Net operating income to assets | -0.8594% | 6,870 |
| Return on assets (ROA) | -0.8093% | 6,841 |
| Pretax return on assets | -1.2610% | 6,970 |
| Return on Equity (ROE) | -9.5091% | 6,994 |
| Retained earnings to average equity (ytd only) | -9.5091% | 6,818 |
| Net charge-offs to loans | 1.3527% | 1,380 |
| Credit loss provision to net charge-offs | 194.2827% | 2,353 |
| Earnings coverage of net charge-offs (x) | 0.7446% | 4,983 |
| Efficiency ratio | 73.2094% | 4,155 |
| Assets per employee ($millions) | 4.8769% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9115% | 1,764 |
| Loan loss allowance to noncurrent loans | 48.2618% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 3.5339% | 1,759 |
| Noncurrent loans to loans | 3.9608% | 1,722 |
| Net loans and leases to total assets | 82.4999% | 866 |
| Net loans and leases to deposits | 106.6912% | 729 |
| Net loans and leases to core deposits | 151.2704% | 619 |
| Total domestic deposits to total assets | 77.3259% | 6,248 |
| Equity capital to assets | 8.7020% | 5,748 |
| Core capital (leverage) ratio | 8.6713% | 5,142 |
| Tier 1 risk-based capital ratio | 10.1688% | 6,749 |
| Total risk-based capital ratio | 11.4268% | 6,671 |
| Memoranda: | ||
| Average total assets | $682,325,330 | 1,032 |
| Average earning assets | $640,132,670 | 1,004 |
| Average equity | $58,070,670 | 1,166 |
| Average total loans | $563,772,330 | 887 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1905% | 6,332 |
| Cost of funding earning assets | 2.2603% | 2,885 |
| Net interest margin | 2.9302% | 6,669 |
| Noninterest income to average assets | 0.2487% | 6,468 |
| Noninterest expense to average assets | 2.1405% | 7,033 |
| Loan and lease loss provision to assets | 0.8363% | 1,553 |
| Net operating income to assets | 0.0178% | 6,211 |
| Return on assets (ROA) | 0.1423% | 6,019 |
| Pretax return on assets | 0.1813% | 5,982 |
| Return on Equity (ROE) | 1.6920% | 5,881 |
| Retained earnings to average equity (ytd only) | 1.6920% | 4,901 |
| Net charge-offs to loans | 1.0404% | 1,299 |
| Credit loss provision to net charge-offs | 98.1969% | 3,839 |
| Earnings coverage of net charge-offs (x) | 1.0097% | 4,265 |
| Efficiency ratio | 71.3386% | 4,304 |
| Assets per employee ($millions) | 4.9356% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 3,864 |
| Loan loss allowance to noncurrent loans | 130.8885% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8941% | 4,957 |
| Noncurrent loans to loans | 1.0229% | 4,949 |
| Net loans and leases to total assets | 80.7025% | 1,258 |
| Net loans and leases to deposits | 108.9655% | 670 |
| Net loans and leases to core deposits | 149.9186% | 711 |
| Total domestic deposits to total assets | 74.0624% | 6,882 |
| Equity capital to assets | 9.1990% | 5,088 |
| Core capital (leverage) ratio | 9.2721% | 4,283 |
| Tier 1 risk-based capital ratio | 10.9270% | 5,965 |
| Total risk-based capital ratio | 12.1778% | 5,877 |
| Memoranda: | ||
| Average total assets | $677,229,000 | 1,036 |
| Average earning assets | $636,008,000 | 1,007 |
| Average equity | $56,974,500 | 1,189 |
| Average total loans | $554,428,000 | 908 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1138% | 4,969 |
| Cost of funding earning assets | 3.0925% | 1,525 |
| Net interest margin | 3.0212% | 6,854 |
| Noninterest income to average assets | 0.3819% | 5,627 |
| Noninterest expense to average assets | 2.1956% | 6,975 |
| Loan and lease loss provision to assets | 0.5212% | 2,730 |
| Net operating income to assets | 0.3522% | 5,343 |
| Return on assets (ROA) | 0.3506% | 5,162 |
| Pretax return on assets | 0.4856% | 5,010 |
| Return on Equity (ROE) | 4.4292% | 4,627 |
| Retained earnings to average equity (ytd only) | 4.4292% | 2,368 |
| Net charge-offs to loans | 0.1207% | 5,039 |
| Credit loss provision to net charge-offs | 532.5733% | 820 |
| Earnings coverage of net charge-offs (x) | 10.3111% | 2,533 |
| Efficiency ratio | 68.5135% | 4,627 |
| Assets per employee ($millions) | 4.9148% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 3,325 |
| Loan loss allowance to noncurrent loans | 78.6213% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 1.4980% | 3,223 |
| Noncurrent loans to loans | 1.7508% | 3,138 |
| Net loans and leases to total assets | 80.8106% | 1,489 |
| Net loans and leases to deposits | 111.2887% | 749 |
| Net loans and leases to core deposits | 142.2068% | 1,156 |
| Total domestic deposits to total assets | 72.6135% | 6,899 |
| Equity capital to assets | 7.6060% | 7,298 |
| Core capital (leverage) ratio | 7.7702% | 6,843 |
| Tier 1 risk-based capital ratio | 9.0027% | 7,776 |
| Total risk-based capital ratio | 10.2540% | 7,780 |
| Memoranda: | ||
| Average total assets | $627,440,200 | 1,070 |
| Average earning assets | $586,216,000 | 1,055 |
| Average equity | $49,670,000 | 1,369 |
| Average total loans | $508,882,400 | 943 |