Home > VantageSouth Bank > Performance and Condition Ratios
VantageSouth Bank, Performance and Condition Ratios
| 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 | 4.5979% | 3,208 |
| Cost of funding earning assets | 0.5781% | 4,852 |
| Net interest margin | 4.0198% | 2,415 |
| Noninterest income to average assets | 1.0434% | 1,390 |
| Noninterest expense to average assets | 3.6112% | 1,538 |
| Loan and lease loss provision to assets | 0.2028% | 3,052 |
| Net operating income to assets | 0.9082% | 2,942 |
| Return on assets (ROA) | 0.9082% | 3,173 |
| Pretax return on assets | 0.8699% | 4,223 |
| Return on Equity (ROE) | 8.4742% | 3,055 |
| Retained earnings to average equity (ytd only) | 8.4742% | 1,418 |
| Net charge-offs to loans | 0.2977% | 2,949 |
| Credit loss provision to net charge-offs | 90.2098% | 3,285 |
| Earnings coverage of net charge-offs (x) | 4.7715% | 3,209 |
| Efficiency ratio | 77.0978% | 2,509 |
| Assets per employee ($millions) | 5.7927% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4426% | 6,986 |
| Loan loss allowance to noncurrent loans | 17.7215% | 6,545 |
| Noncurrent assets plus other real estate owned to assets | 3.0099% | 1,737 |
| Noncurrent loans to loans | 2.4973% | 2,302 |
| Net loans and leases to total assets | 76.1174% | 959 |
| Net loans and leases to deposits | 90.5637% | 1,088 |
| Net loans and leases to core deposits | 103.4160% | 900 |
| Total domestic deposits to total assets | 84.0485% | 4,195 |
| Equity capital to assets | 10.9978% | 3,281 |
| Core capital (leverage) ratio | 9.8858% | 3,704 |
| Tier 1 risk-based capital ratio | 12.8202% | 5,394 |
| Total risk-based capital ratio | 13.2791% | 5,909 |
| Memoranda: | ||
| Average total assets | $254,426,000 | 2,511 |
| Average earning assets | $230,418,000 | 2,518 |
| Average equity | $27,266,250 | 2,484 |
| Average total loans | $192,157,000 | 2,099 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3413% | 4,413 |
| Cost of funding earning assets | 0.5626% | 5,207 |
| Net interest margin | 3.7787% | 3,459 |
| Noninterest income to average assets | 0.7862% | 2,252 |
| Noninterest expense to average assets | 3.6506% | 1,467 |
| Loan and lease loss provision to assets | 0.2116% | 2,958 |
| Net operating income to assets | 0.3939% | 5,229 |
| Return on assets (ROA) | 0.3939% | 5,473 |
| Pretax return on assets | 0.3360% | 5,872 |
| Return on Equity (ROE) | 3.7091% | 5,402 |
| Retained earnings to average equity (ytd only) | 3.7091% | 4,134 |
| Net charge-offs to loans | 0.2751% | 2,940 |
| Credit loss provision to net charge-offs | 102.2989% | 2,659 |
| Earnings coverage of net charge-offs (x) | 2.6475% | 3,683 |
| Efficiency ratio | 86.9549% | 1,342 |
| Assets per employee ($millions) | 5.5204% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4826% | 7,034 |
| Loan loss allowance to noncurrent loans | 28.8730% | 6,198 |
| Noncurrent assets plus other real estate owned to assets | 2.5159% | 2,225 |
| Noncurrent loans to loans | 1.6714% | 3,390 |
| Net loans and leases to total assets | 77.2037% | 812 |
| Net loans and leases to deposits | 92.6060% | 880 |
| Net loans and leases to core deposits | 107.5358% | 682 |
| Total domestic deposits to total assets | 83.3680% | 4,592 |
| Equity capital to assets | 10.9968% | 3,124 |
| Core capital (leverage) ratio | 9.4117% | 4,281 |
| Tier 1 risk-based capital ratio | 12.0157% | 5,920 |
| Total risk-based capital ratio | 12.4938% | 6,353 |
| Memoranda: | ||
| Average total assets | $252,344,330 | 2,524 |
| Average earning assets | $227,855,670 | 2,549 |
| Average equity | $26,799,000 | 2,502 |
| Average total loans | $189,776,670 | 2,118 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3799% | 6,836 |
| Cost of funding earning assets | 0.4853% | 5,903 |
| Net interest margin | 2.8946% | 6,497 |
| Noninterest income to average assets | 0.4294% | 4,456 |
| Noninterest expense to average assets | 3.3927% | 2,026 |
| Loan and lease loss provision to assets | 0.2973% | 2,098 |
| Net operating income to assets | -0.4027% | 6,775 |
| Return on assets (ROA) | -0.4027% | 6,810 |
| Pretax return on assets | -0.6433% | 6,885 |
| Return on Equity (ROE) | -3.8584% | 6,799 |
| Retained earnings to average equity (ytd only) | -3.8584% | 6,479 |
| Net charge-offs to loans | 0.5162% | 1,801 |
| Credit loss provision to net charge-offs | 77.7778% | 2,768 |
| Earnings coverage of net charge-offs (x) | -0.9053% | 4,547 |
| Efficiency ratio | 111.3578% | 317 |
| Assets per employee ($millions) | 5.0445% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4542% | 7,102 |
| Loan loss allowance to noncurrent loans | 23.5517% | 6,437 |
| Noncurrent assets plus other real estate owned to assets | 2.5409% | 2,325 |
| Noncurrent loans to loans | 1.9286% | 3,249 |
| Net loans and leases to total assets | 74.1144% | 1,040 |
| Net loans and leases to deposits | 87.5703% | 1,224 |
| Net loans and leases to core deposits | 98.3692% | 1,104 |
| Total domestic deposits to total assets | 84.6343% | 4,195 |
| Equity capital to assets | 10.3325% | 3,694 |
| Core capital (leverage) ratio | 8.9342% | 4,935 |
| Tier 1 risk-based capital ratio | 11.1715% | 6,462 |
| Total risk-based capital ratio | 11.6160% | 6,773 |
| Memoranda: | ||
| Average total assets | $254,307,500 | 2,527 |
| Average earning assets | $229,945,500 | 2,532 |
| Average equity | $26,539,500 | 2,519 |
| Average total loans | $188,306,000 | 2,137 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1685% | 2,193 |
| Cost of funding earning assets | 0.8992% | 4,120 |
| Net interest margin | 4.2693% | 1,809 |
| Noninterest income to average assets | 0.7939% | 2,096 |
| Noninterest expense to average assets | 4.7030% | 487 |
| Loan and lease loss provision to assets | -0.1183% | 7,284 |
| Net operating income to assets | 0.0957% | 5,873 |
| Return on assets (ROA) | 0.1140% | 5,959 |
| Pretax return on assets | 0.1140% | 5,943 |
| Return on Equity (ROE) | 1.1801% | 5,923 |
| Retained earnings to average equity (ytd only) | 1.1801% | 5,299 |
| Net charge-offs to loans | 0.4772% | 3,083 |
| Credit loss provision to net charge-offs | -32.9341% | 6,645 |
| Earnings coverage of net charge-offs (x) | -0.0629% | 5,872 |
| Efficiency ratio | 100.4826% | 651 |
| Assets per employee ($millions) | 4.4502% | 2,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8855% | 2,614 |
| Loan loss allowance to noncurrent loans | 100.2793% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 1.4260% | 3,855 |
| Noncurrent loans to loans | 1.8802% | 3,365 |
| Net loans and leases to total assets | 69.9655% | 2,036 |
| Net loans and leases to deposits | 83.4685% | 1,991 |
| Net loans and leases to core deposits | 87.4602% | 2,442 |
| Total domestic deposits to total assets | 83.8227% | 4,400 |
| Equity capital to assets | 8.2881% | 6,363 |
| Core capital (leverage) ratio | 8.4918% | 5,574 |
| Tier 1 risk-based capital ratio | 10.5919% | 6,644 |
| Total risk-based capital ratio | 11.8479% | 6,621 |
| Memoranda: | ||
| Average total assets | $92,961,000 | 5,101 |
| Average earning assets | $84,627,600 | 5,102 |
| Average equity | $8,982,600 | 5,278 |
| Average total loans | $69,987,600 | 4,492 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3124% | 1,808 |
| Cost of funding earning assets | 0.9327% | 4,178 |
| Net interest margin | 4.3796% | 1,460 |
| Noninterest income to average assets | 0.8491% | 1,840 |
| Noninterest expense to average assets | 3.6617% | 1,579 |
| Loan and lease loss provision to assets | -0.0521% | 7,333 |
| Net operating income to assets | 1.2126% | 1,619 |
| Return on assets (ROA) | 1.2380% | 1,649 |
| Pretax return on assets | 1.2380% | 2,493 |
| Return on Equity (ROE) | 12.2900% | 1,469 |
| Retained earnings to average equity (ytd only) | 12.2900% | 467 |
| Net charge-offs to loans | 0.1422% | 4,643 |
| Credit loss provision to net charge-offs | -47.9452% | 6,466 |
| Earnings coverage of net charge-offs (x) | 10.6713% | 1,892 |
| Efficiency ratio | 75.9345% | 2,851 |
| Assets per employee ($millions) | 4.8138% | 2,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4650% | 1,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 6,828 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 69.3570% | 2,202 |
| Net loans and leases to deposits | 84.4735% | 1,923 |
| Net loans and leases to core deposits | 87.9524% | 2,500 |
| Total domestic deposits to total assets | 82.1051% | 5,053 |
| Equity capital to assets | 9.5202% | 5,051 |
| Core capital (leverage) ratio | 9.7070% | 3,839 |
| Tier 1 risk-based capital ratio | 12.4662% | 5,518 |
| Total risk-based capital ratio | 13.7313% | 5,497 |
| Memoranda: | ||
| Average total assets | $89,500,250 | 5,234 |
| Average earning assets | $81,192,000 | 5,235 |
| Average equity | $9,015,250 | 5,303 |
| Average total loans | $68,444,000 | 4,583 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3920% | 1,590 |
| Cost of funding earning assets | 0.9462% | 4,349 |
| Net interest margin | 4.4458% | 1,254 |
| Noninterest income to average assets | 0.9225% | 1,572 |
| Noninterest expense to average assets | 3.7717% | 1,395 |
| Loan and lease loss provision to assets | 0.1518% | 4,413 |
| Net operating income to assets | 1.0042% | 2,213 |
| Return on assets (ROA) | 1.0042% | 2,310 |
| Pretax return on assets | 1.0042% | 3,219 |
| Return on Equity (ROE) | 9.7591% | 2,205 |
| Retained earnings to average equity (ytd only) | 9.7591% | 907 |
| Net charge-offs to loans | 0.2229% | 3,789 |
| Credit loss provision to net charge-offs | 86.6667% | 3,565 |
| Earnings coverage of net charge-offs (x) | 6.6000% | 2,367 |
| Efficiency ratio | 76.5403% | 2,929 |
| Assets per employee ($millions) | 4.3172% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6306% | 1,267 |
| Loan loss allowance to noncurrent loans | 4,794.8718% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 6,842 |
| Noncurrent loans to loans | 0.0549% | 6,846 |
| Net loans and leases to total assets | 76.3451% | 1,032 |
| Net loans and leases to deposits | 94.6582% | 825 |
| Net loans and leases to core deposits | 102.1819% | 1,167 |
| Total domestic deposits to total assets | 80.6534% | 5,634 |
| Equity capital to assets | 10.0417% | 4,086 |
| Core capital (leverage) ratio | 10.1814% | 3,051 |
| Tier 1 risk-based capital ratio | 13.0395% | 4,886 |
| Total risk-based capital ratio | 14.3082% | 4,854 |
| Memoranda: | ||
| Average total assets | $85,637,000 | 5,379 |
| Average earning assets | $77,150,670 | 5,394 |
| Average equity | $8,812,330 | 5,375 |
| Average total loans | $67,297,000 | 4,664 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3770% | 1,652 |
| Cost of funding earning assets | 0.9319% | 4,709 |
| Net interest margin | 4.4451% | 1,184 |
| Noninterest income to average assets | 0.7555% | 2,238 |
| Noninterest expense to average assets | 3.7919% | 1,350 |
| Loan and lease loss provision to assets | 0.1684% | 3,941 |
| Net operating income to assets | 0.7892% | 3,087 |
| Return on assets (ROA) | 0.7892% | 3,155 |
| Pretax return on assets | 0.7892% | 3,941 |
| Return on Equity (ROE) | 7.5694% | 3,119 |
| Retained earnings to average equity (ytd only) | 7.5694% | 1,911 |
| Net charge-offs to loans | 0.2141% | 3,232 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 5.6857% | 2,228 |
| Efficiency ratio | 79.8379% | 2,568 |
| Assets per employee ($millions) | 4.2545% | 3,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7892% | 1,125 |
| Loan loss allowance to noncurrent loans | 494.7368% | 648 |
| Noncurrent assets plus other real estate owned to assets | 1.4608% | 4,073 |
| Noncurrent loans to loans | 0.5638% | 5,897 |
| Net loans and leases to total assets | 77.0053% | 873 |
| Net loans and leases to deposits | 96.7015% | 642 |
| Net loans and leases to core deposits | 98.9788% | 1,431 |
| Total domestic deposits to total assets | 79.6319% | 6,029 |
| Equity capital to assets | 10.3069% | 3,402 |
| Core capital (leverage) ratio | 10.5001% | 2,610 |
| Tier 1 risk-based capital ratio | 12.9857% | 4,838 |
| Total risk-based capital ratio | 14.2545% | 4,808 |
| Memoranda: | ||
| Average total assets | $83,124,500 | 5,493 |
| Average earning assets | $74,689,000 | 5,518 |
| Average equity | $8,666,500 | 5,415 |
| Average total loans | $65,402,500 | 4,791 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3957% | 2,689 |
| Cost of funding earning assets | 1.4742% | 2,796 |
| Net interest margin | 3.9215% | 3,390 |
| Noninterest income to average assets | -1.2741% | 7,635 |
| Noninterest expense to average assets | 4.4757% | 671 |
| Loan and lease loss provision to assets | 3.5923% | 207 |
| Net operating income to assets | -5.7871% | 7,579 |
| Return on assets (ROA) | -5.4473% | 7,570 |
| Pretax return on assets | -5.4473% | 7,556 |
| Return on Equity (ROE) | -46.0613% | 7,394 |
| Retained earnings to average equity (ytd only) | -46.0613% | 7,389 |
| Net charge-offs to loans | 4.7258% | 208 |
| Credit loss provision to net charge-offs | 97.4201% | 4,760 |
| Earnings coverage of net charge-offs (x) | -0.5952% | 6,501 |
| Efficiency ratio | 196.2264% | 95 |
| Assets per employee ($millions) | 4.0580% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9652% | 899 |
| Loan loss allowance to noncurrent loans | 420.5817% | 740 |
| Noncurrent assets plus other real estate owned to assets | 1.6474% | 3,828 |
| Noncurrent loans to loans | 0.7050% | 5,638 |
| Net loans and leases to total assets | 75.8034% | 1,319 |
| Net loans and leases to deposits | 96.4491% | 831 |
| Net loans and leases to core deposits | 99.0358% | 1,698 |
| Total domestic deposits to total assets | 78.5941% | 6,191 |
| Equity capital to assets | 10.5508% | 3,103 |
| Core capital (leverage) ratio | 10.4738% | 2,588 |
| Tier 1 risk-based capital ratio | 13.3822% | 4,304 |
| Total risk-based capital ratio | 14.6531% | 4,246 |
| Memoranda: | ||
| Average total assets | $88,300,000 | 5,340 |
| Average earning assets | $80,045,000 | 5,348 |
| Average equity | $10,442,600 | 4,999 |
| Average total loans | $68,898,600 | 4,721 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3113% | 3,295 |
| Cost of funding earning assets | 1.5950% | 2,419 |
| Net interest margin | 3.7163% | 4,321 |
| Noninterest income to average assets | 0.4618% | 4,475 |
| Noninterest expense to average assets | 4.7687% | 458 |
| Loan and lease loss provision to assets | 3.3434% | 230 |
| Net operating income to assets | -4.2744% | 7,593 |
| Return on assets (ROA) | -3.8304% | 7,571 |
| Pretax return on assets | -3.8304% | 7,545 |
| Return on Equity (ROE) | -31.6204% | 7,409 |
| Retained earnings to average equity (ytd only) | -31.6204% | 7,403 |
| Net charge-offs to loans | 4.1438% | 285 |
| Credit loss provision to net charge-offs | 103.4341% | 4,148 |
| Earnings coverage of net charge-offs (x) | -0.2880% | 6,235 |
| Efficiency ratio | 124.2576% | 349 |
| Assets per employee ($millions) | 4.1442% | 3,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1175% | 756 |
| Loan loss allowance to noncurrent loans | 43.2450% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 6.7299% | 833 |
| Noncurrent loans to loans | 7.2088% | 758 |
| Net loans and leases to total assets | 76.4526% | 1,322 |
| Net loans and leases to deposits | 100.6720% | 610 |
| Net loans and leases to core deposits | 108.7472% | 1,107 |
| Total domestic deposits to total assets | 75.9423% | 6,671 |
| Equity capital to assets | 13.5032% | 1,348 |
| Core capital (leverage) ratio | 11.1362% | 2,170 |
| Tier 1 risk-based capital ratio | 15.0455% | 3,232 |
| Total risk-based capital ratio | 18.0132% | 2,394 |
| Memoranda: | ||
| Average total assets | $90,085,000 | 5,357 |
| Average earning assets | $81,835,500 | 5,348 |
| Average equity | $10,912,500 | 4,946 |
| Average total loans | $70,272,750 | 4,746 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3003% | 3,469 |
| Cost of funding earning assets | 1.6843% | 2,199 |
| Net interest margin | 3.6160% | 4,748 |
| Noninterest income to average assets | 0.4844% | 4,241 |
| Noninterest expense to average assets | 3.9055% | 1,178 |
| Loan and lease loss provision to assets | 2.5042% | 456 |
| Net operating income to assets | -2.6383% | 7,446 |
| Return on assets (ROA) | -1.9895% | 7,307 |
| Pretax return on assets | -1.9895% | 7,235 |
| Return on Equity (ROE) | -17.0066% | 7,200 |
| Retained earnings to average equity (ytd only) | -17.0066% | 7,166 |
| Net charge-offs to loans | 2.9432% | 548 |
| Credit loss provision to net charge-offs | 109.4518% | 3,728 |
| Earnings coverage of net charge-offs (x) | -0.0586% | 5,766 |
| Efficiency ratio | 103.5550% | 696 |
| Assets per employee ($millions) | 4.0867% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9700% | 843 |
| Loan loss allowance to noncurrent loans | 41.2470% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 6.9927% | 758 |
| Noncurrent loans to loans | 7.2004% | 768 |
| Net loans and leases to total assets | 75.0011% | 1,696 |
| Net loans and leases to deposits | 98.0159% | 872 |
| Net loans and leases to core deposits | 105.3016% | 1,510 |
| Total domestic deposits to total assets | 76.5193% | 6,598 |
| Equity capital to assets | 14.1400% | 1,123 |
| Core capital (leverage) ratio | 9.2013% | 4,299 |
| Tier 1 risk-based capital ratio | 12.2389% | 5,087 |
| Total risk-based capital ratio | 19.5018% | 1,859 |
| Memoranda: | ||
| Average total assets | $92,485,330 | 5,296 |
| Average earning assets | $84,070,670 | 5,296 |
| Average equity | $10,819,330 | 4,967 |
| Average total loans | $71,895,000 | 4,722 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4702% | 2,733 |
| Cost of funding earning assets | 1.7716% | 2,006 |
| Net interest margin | 3.6986% | 4,253 |
| Noninterest income to average assets | 0.4010% | 4,912 |
| Noninterest expense to average assets | 3.2674% | 2,646 |
| Loan and lease loss provision to assets | 0.2602% | 3,956 |
| Net operating income to assets | 0.2218% | 5,610 |
| Return on assets (ROA) | 1.5015% | 962 |
| Pretax return on assets | 1.5015% | 1,511 |
| Return on Equity (ROE) | 14.2618% | 1,003 |
| Retained earnings to average equity (ytd only) | 14.2618% | 478 |
| Net charge-offs to loans | 0.0274% | 5,187 |
| Credit loss provision to net charge-offs | 1,220.0000% | 402 |
| Earnings coverage of net charge-offs (x) | 22.6000% | 1,085 |
| Efficiency ratio | 87.1445% | 1,672 |
| Assets per employee ($millions) | 4.4176% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7800% | 1,009 |
| Loan loss allowance to noncurrent loans | 32.7338% | 6,230 |
| Noncurrent assets plus other real estate owned to assets | 7.8269% | 635 |
| Noncurrent loans to loans | 8.4927% | 612 |
| Net loans and leases to total assets | 76.1475% | 1,509 |
| Net loans and leases to deposits | 99.2623% | 804 |
| Net loans and leases to core deposits | 108.0169% | 1,417 |
| Total domestic deposits to total assets | 76.7134% | 6,622 |
| Equity capital to assets | 14.5349% | 990 |
| Core capital (leverage) ratio | 11.0417% | 2,204 |
| Tier 1 risk-based capital ratio | 14.6741% | 3,270 |
| Total risk-based capital ratio | 20.1084% | 1,713 |
| Memoranda: | ||
| Average total assets | $93,774,000 | 5,326 |
| Average earning assets | $84,896,500 | 5,341 |
| Average equity | $9,872,500 | 5,273 |
| Average total loans | $73,094,500 | 4,744 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6006% | 3,607 |
| Cost of funding earning assets | 2.1621% | 2,177 |
| Net interest margin | 3.4385% | 5,223 |
| Noninterest income to average assets | 0.2538% | 6,288 |
| Noninterest expense to average assets | 3.2022% | 3,374 |
| Loan and lease loss provision to assets | 1.8716% | 1,195 |
| Net operating income to assets | -1.6491% | 6,934 |
| Return on assets (ROA) | -1.6105% | 6,916 |
| Pretax return on assets | -1.6105% | 6,765 |
| Return on Equity (ROE) | -21.6057% | 7,194 |
| Retained earnings to average equity (ytd only) | -21.6057% | 7,163 |
| Net charge-offs to loans | 1.2931% | 1,921 |
| Credit loss provision to net charge-offs | 178.8423% | 2,330 |
| Earnings coverage of net charge-offs (x) | 0.2126% | 5,920 |
| Efficiency ratio | 93.5041% | 1,443 |
| Assets per employee ($millions) | 4.7389% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6711% | 1,045 |
| Loan loss allowance to noncurrent loans | 31.5603% | 6,358 |
| Noncurrent assets plus other real estate owned to assets | 8.0652% | 553 |
| Noncurrent loans to loans | 8.4636% | 567 |
| Net loans and leases to total assets | 75.5059% | 1,918 |
| Net loans and leases to deposits | 91.0089% | 2,043 |
| Net loans and leases to core deposits | 154.2705% | 424 |
| Total domestic deposits to total assets | 82.9655% | 4,533 |
| Equity capital to assets | 6.6060% | 7,535 |
| Core capital (leverage) ratio | 6.2894% | 7,558 |
| Tier 1 risk-based capital ratio | 7.9108% | 7,668 |
| Total risk-based capital ratio | 9.1796% | 7,673 |
| Memoranda: | ||
| Average total assets | $95,746,600 | 5,217 |
| Average earning assets | $88,293,400 | 5,180 |
| Average equity | $7,137,000 | 6,224 |
| Average total loans | $77,489,200 | 4,602 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6296% | 3,694 |
| Cost of funding earning assets | 2.2317% | 2,272 |
| Net interest margin | 3.3978% | 5,274 |
| Noninterest income to average assets | 0.3848% | 5,440 |
| Noninterest expense to average assets | 3.1684% | 3,410 |
| Loan and lease loss provision to assets | 1.3376% | 1,447 |
| Net operating income to assets | -0.9723% | 6,811 |
| Return on assets (ROA) | -0.9209% | 6,779 |
| Pretax return on assets | -0.9209% | 6,618 |
| Return on Equity (ROE) | -12.0171% | 7,021 |
| Retained earnings to average equity (ytd only) | -12.0171% | 6,947 |
| Net charge-offs to loans | 0.5759% | 2,948 |
| Credit loss provision to net charge-offs | 284.0708% | 1,474 |
| Earnings coverage of net charge-offs (x) | 0.7758% | 5,275 |
| Efficiency ratio | 89.6619% | 1,717 |
| Assets per employee ($millions) | 4.7635% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3346% | 1,258 |
| Loan loss allowance to noncurrent loans | 125.9104% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 2.9894% | 2,318 |
| Noncurrent loans to loans | 1.8542% | 3,835 |
| Net loans and leases to total assets | 78.9512% | 1,403 |
| Net loans and leases to deposits | 96.1546% | 1,555 |
| Net loans and leases to core deposits | 169.0513% | 277 |
| Total domestic deposits to total assets | 82.1086% | 4,638 |
| Equity capital to assets | 7.5135% | 7,285 |
| Core capital (leverage) ratio | 7.0184% | 7,423 |
| Tier 1 risk-based capital ratio | 9.2282% | 7,526 |
| Total risk-based capital ratio | 10.4916% | 7,510 |
| Memoranda: | ||
| Average total assets | $95,988,750 | 5,242 |
| Average earning assets | $88,956,750 | 5,197 |
| Average equity | $7,356,000 | 6,203 |
| Average total loans | $78,479,750 | 4,605 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6033% | 4,059 |
| Cost of funding earning assets | 2.3503% | 2,157 |
| Net interest margin | 3.2530% | 5,725 |
| Noninterest income to average assets | 0.3824% | 5,440 |
| Noninterest expense to average assets | 3.1238% | 3,607 |
| Loan and lease loss provision to assets | 1.0184% | 1,663 |
| Net operating income to assets | -0.7337% | 6,777 |
| Return on assets (ROA) | -0.7046% | 6,758 |
| Pretax return on assets | -0.7046% | 6,606 |
| Return on Equity (ROE) | -9.1350% | 6,973 |
| Retained earnings to average equity (ytd only) | -9.1350% | 6,782 |
| Net charge-offs to loans | 0.6408% | 2,436 |
| Credit loss provision to net charge-offs | 193.6759% | 2,358 |
| Earnings coverage of net charge-offs (x) | 0.5415% | 5,167 |
| Efficiency ratio | 91.6463% | 1,668 |
| Assets per employee ($millions) | 5.1207% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7981% | 2,049 |
| Loan loss allowance to noncurrent loans | 81.4772% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 3.3496% | 1,864 |
| Noncurrent loans to loans | 2.2069% | 3,249 |
| Net loans and leases to total assets | 79.2598% | 1,470 |
| Net loans and leases to deposits | 96.2013% | 1,764 |
| Net loans and leases to core deposits | 168.2815% | 342 |
| Total domestic deposits to total assets | 82.3895% | 4,527 |
| Equity capital to assets | 7.5719% | 7,208 |
| Core capital (leverage) ratio | 7.4927% | 7,029 |
| Tier 1 risk-based capital ratio | 9.1252% | 7,627 |
| Total risk-based capital ratio | 10.3007% | 7,683 |
| Memoranda: | ||
| Average total assets | $96,228,670 | 5,276 |
| Average earning assets | $89,518,670 | 5,218 |
| Average equity | $7,422,000 | 6,211 |
| Average total loans | $78,968,330 | 4,620 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6451% | 4,081 |
| Cost of funding earning assets | 2.6418% | 1,441 |
| Net interest margin | 3.0033% | 6,470 |
| Noninterest income to average assets | 0.3678% | 5,485 |
| Noninterest expense to average assets | 3.1475% | 3,198 |
| Loan and lease loss provision to assets | 1.5675% | 801 |
| Net operating income to assets | -1.5340% | 7,509 |
| Return on assets (ROA) | -1.4755% | 7,497 |
| Pretax return on assets | -1.4755% | 7,353 |
| Return on Equity (ROE) | -18.9543% | 7,731 |
| Retained earnings to average equity (ytd only) | -18.9543% | 7,616 |
| Net charge-offs to loans | 0.8991% | 1,462 |
| Credit loss provision to net charge-offs | 210.6742% | 2,129 |
| Earnings coverage of net charge-offs (x) | 0.0449% | 4,940 |
| Efficiency ratio | 98.9488% | 1,178 |
| Assets per employee ($millions) | 4.8193% | 2,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7056% | 2,128 |
| Loan loss allowance to noncurrent loans | 84.4212% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 2.9642% | 1,905 |
| Noncurrent loans to loans | 2.0203% | 3,236 |
| Net loans and leases to total assets | 81.9754% | 1,026 |
| Net loans and leases to deposits | 100.0963% | 1,398 |
| Net loans and leases to core deposits | 171.4856% | 322 |
| Total domestic deposits to total assets | 81.8966% | 4,591 |
| Equity capital to assets | 7.5779% | 7,285 |
| Core capital (leverage) ratio | 7.3605% | 7,310 |
| Tier 1 risk-based capital ratio | 8.7733% | 7,889 |
| Total risk-based capital ratio | 10.0285% | 7,943 |
| Memoranda: | ||
| Average total assets | $95,696,000 | 5,309 |
| Average earning assets | $89,635,000 | 5,234 |
| Average equity | $7,449,500 | 6,242 |
| Average total loans | $79,189,000 | 4,636 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2682% | 4,140 |
| Cost of funding earning assets | 3.4728% | 566 |
| Net interest margin | 2.7954% | 7,335 |
| Noninterest income to average assets | 0.4125% | 5,369 |
| Noninterest expense to average assets | 3.4104% | 2,644 |
| Loan and lease loss provision to assets | 1.2201% | 1,176 |
| Net operating income to assets | -1.6140% | 7,509 |
| Return on assets (ROA) | -1.6035% | 7,451 |
| Pretax return on assets | -1.6035% | 7,300 |
| Return on Equity (ROE) | -16.8869% | 7,661 |
| Retained earnings to average equity (ytd only) | -16.8869% | 7,562 |
| Net charge-offs to loans | 0.6639% | 1,864 |
| Credit loss provision to net charge-offs | 226.7819% | 2,094 |
| Earnings coverage of net charge-offs (x) | -0.7322% | 6,551 |
| Efficiency ratio | 113.0586% | 649 |
| Assets per employee ($millions) | 4.5241% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 2,659 |
| Loan loss allowance to noncurrent loans | 67.3551% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 3.1324% | 1,463 |
| Noncurrent loans to loans | 2.2348% | 2,464 |
| Net loans and leases to total assets | 80.8583% | 1,477 |
| Net loans and leases to deposits | 99.0357% | 1,982 |
| Net loans and leases to core deposits | 140.0846% | 1,263 |
| Total domestic deposits to total assets | 81.6456% | 4,347 |
| Equity capital to assets | 7.9941% | 6,850 |
| Core capital (leverage) ratio | 7.3114% | 7,401 |
| Tier 1 risk-based capital ratio | 9.2301% | 7,587 |
| Total risk-based capital ratio | 10.4820% | 7,530 |
| Memoranda: | ||
| Average total assets | $86,061,000 | 5,480 |
| Average earning assets | $80,166,600 | 5,428 |
| Average equity | $8,172,000 | 6,014 |
| Average total loans | $69,740,400 | 4,880 |