Home > Bank of Nevada > Performance and Condition Ratios
Bank of Nevada, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4754% | 2,326 |
| Cost of funding earning assets | 0.2604% | 6,015 |
| Net interest margin | 4.2150% | 1,288 |
| Noninterest income to average assets | 0.4923% | 3,866 |
| Noninterest expense to average assets | 2.2322% | 5,527 |
| Loan and lease loss provision to assets | -0.2277% | 6,738 |
| Net operating income to assets | 1.6765% | 644 |
| Return on assets (ROA) | 1.6395% | 740 |
| Pretax return on assets | 2.2298% | 359 |
| Return on Equity (ROE) | 13.8126% | 1,032 |
| Retained earnings to average equity (ytd only) | 1.6352% | 5,321 |
| Net charge-offs to loans | 0.0998% | 3,550 |
| Credit loss provision to net charge-offs | -317.2037% | 5,975 |
| Earnings coverage of net charge-offs (x) | 28.5903% | 1,277 |
| Efficiency ratio | 50.9557% | 6,337 |
| Assets per employee ($millions) | 8.3881% | 396 |
| Cash dividends to net income (ytd only)* | 88.1612% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1358% | 1,434 |
| Loan loss allowance to noncurrent loans | 144.0580% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 1.8000% | 2,274 |
| Noncurrent loans to loans | 1.4826% | 2,944 |
| Net loans and leases to total assets | 71.0476% | 1,770 |
| Net loans and leases to deposits | 89.3868% | 1,236 |
| Net loans and leases to core deposits | 99.3580% | 1,162 |
| Total domestic deposits to total assets | 79.4833% | 5,633 |
| Equity capital to assets | 11.3655% | 2,412 |
| Core capital (leverage) ratio | 10.7676% | 2,705 |
| Tier 1 risk-based capital ratio | 13.1607% | 5,009 |
| Total risk-based capital ratio | 14.4192% | 4,951 |
| Memoranda: | ||
| Average total assets | $3,228,486,750 | 234 |
| Average earning assets | $2,904,474,500 | 232 |
| Average equity | $383,214,750 | 231 |
| Average total loans | $2,321,999,000 | 219 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4125% | 2,516 |
| Cost of funding earning assets | 0.2588% | 6,115 |
| Net interest margin | 4.1537% | 1,400 |
| Noninterest income to average assets | 0.4955% | 3,865 |
| Noninterest expense to average assets | 2.1693% | 5,700 |
| Loan and lease loss provision to assets | 0.0876% | 3,333 |
| Net operating income to assets | 1.4591% | 965 |
| Return on assets (ROA) | 1.4590% | 1,043 |
| Pretax return on assets | 1.9743% | 633 |
| Return on Equity (ROE) | 12.1160% | 1,456 |
| Retained earnings to average equity (ytd only) | 12.1160% | 473 |
| Net charge-offs to loans | 0.3331% | 1,852 |
| Credit loss provision to net charge-offs | 36.6745% | 3,479 |
| Earnings coverage of net charge-offs (x) | 8.6348% | 2,379 |
| Efficiency ratio | 50.1002% | 6,426 |
| Assets per employee ($millions) | 8.5546% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3097% | 1,246 |
| Loan loss allowance to noncurrent loans | 139.5215% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 1.8825% | 2,301 |
| Noncurrent loans to loans | 1.6555% | 2,832 |
| Net loans and leases to total assets | 71.1166% | 1,706 |
| Net loans and leases to deposits | 90.0975% | 1,132 |
| Net loans and leases to core deposits | 100.6668% | 1,033 |
| Total domestic deposits to total assets | 78.9329% | 5,812 |
| Equity capital to assets | 11.8444% | 2,011 |
| Core capital (leverage) ratio | 11.2369% | 2,143 |
| Tier 1 risk-based capital ratio | 12.8512% | 5,257 |
| Total risk-based capital ratio | 14.1116% | 5,179 |
| Memoranda: | ||
| Average total assets | $3,208,603,330 | 235 |
| Average earning assets | $2,885,736,330 | 230 |
| Average equity | $386,382,000 | 232 |
| Average total loans | $2,300,290,000 | 219 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3885% | 2,561 |
| Cost of funding earning assets | 0.2581% | 6,234 |
| Net interest margin | 4.1304% | 1,375 |
| Noninterest income to average assets | 0.3702% | 4,703 |
| Noninterest expense to average assets | 2.2162% | 5,645 |
| Loan and lease loss provision to assets | 0.0515% | 3,762 |
| Net operating income to assets | 1.3576% | 1,134 |
| Return on assets (ROA) | 1.3576% | 1,226 |
| Pretax return on assets | 1.8133% | 859 |
| Return on Equity (ROE) | 11.1769% | 1,650 |
| Retained earnings to average equity (ytd only) | 11.1769% | 834 |
| Net charge-offs to loans | 0.5295% | 1,136 |
| Credit loss provision to net charge-offs | 13.6792% | 3,111 |
| Earnings coverage of net charge-offs (x) | 4.9532% | 2,438 |
| Efficiency ratio | 53.0741% | 6,297 |
| Assets per employee ($millions) | 8.4039% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4193% | 1,220 |
| Loan loss allowance to noncurrent loans | 117.7837% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 2.2629% | 2,061 |
| Noncurrent loans to loans | 2.0540% | 2,561 |
| Net loans and leases to total assets | 68.5160% | 1,920 |
| Net loans and leases to deposits | 86.1539% | 1,337 |
| Net loans and leases to core deposits | 96.5660% | 1,174 |
| Total domestic deposits to total assets | 79.5274% | 5,866 |
| Equity capital to assets | 11.8337% | 2,150 |
| Core capital (leverage) ratio | 11.0065% | 2,257 |
| Tier 1 risk-based capital ratio | 13.1199% | 5,130 |
| Total risk-based capital ratio | 14.4067% | 5,053 |
| Memoranda: | ||
| Average total assets | $3,153,314,000 | 241 |
| Average earning assets | $2,833,021,000 | 240 |
| Average equity | $383,004,500 | 236 |
| Average total loans | $2,242,286,000 | 227 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5827% | 3,065 |
| Cost of funding earning assets | 0.2549% | 6,649 |
| Net interest margin | 4.3278% | 1,331 |
| Noninterest income to average assets | 0.3810% | 4,743 |
| Noninterest expense to average assets | 2.3444% | 5,578 |
| Loan and lease loss provision to assets | 1.2086% | 297 |
| Net operating income to assets | 0.5681% | 4,386 |
| Return on assets (ROA) | 0.6190% | 4,412 |
| Pretax return on assets | 0.7568% | 4,455 |
| Return on Equity (ROE) | 5.3546% | 4,499 |
| Retained earnings to average equity (ytd only) | 5.3546% | 2,466 |
| Net charge-offs to loans | 1.9018% | 402 |
| Credit loss provision to net charge-offs | 92.7242% | 3,356 |
| Earnings coverage of net charge-offs (x) | 1.4602% | 4,714 |
| Efficiency ratio | 53.3036% | 6,345 |
| Assets per employee ($millions) | 7.5539% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6674% | 959 |
| Loan loss allowance to noncurrent loans | 79.2251% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 3.4128% | 1,341 |
| Noncurrent loans to loans | 3.3668% | 1,502 |
| Net loans and leases to total assets | 70.1539% | 1,817 |
| Net loans and leases to deposits | 82.7153% | 1,908 |
| Net loans and leases to core deposits | 92.9467% | 1,559 |
| Total domestic deposits to total assets | 84.8137% | 3,938 |
| Equity capital to assets | 12.4842% | 1,726 |
| Core capital (leverage) ratio | 11.3004% | 2,012 |
| Tier 1 risk-based capital ratio | 13.3530% | 4,852 |
| Total risk-based capital ratio | 14.6456% | 4,778 |
| Memoranda: | ||
| Average total assets | $2,927,164,200 | 251 |
| Average earning assets | $2,615,246,000 | 251 |
| Average equity | $338,380,000 | 255 |
| Average total loans | $2,006,228,800 | 245 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5366% | 3,487 |
| Cost of funding earning assets | 0.2660% | 6,747 |
| Net interest margin | 4.2706% | 1,553 |
| Noninterest income to average assets | 0.3532% | 4,992 |
| Noninterest expense to average assets | 2.3315% | 5,595 |
| Loan and lease loss provision to assets | 1.3255% | 261 |
| Net operating income to assets | 0.4546% | 5,019 |
| Return on assets (ROA) | 0.4853% | 5,164 |
| Pretax return on assets | 0.5469% | 5,317 |
| Return on Equity (ROE) | 4.2877% | 5,155 |
| Retained earnings to average equity (ytd only) | 4.2877% | 3,873 |
| Net charge-offs to loans | 2.0663% | 338 |
| Credit loss provision to net charge-offs | 94.8727% | 3,151 |
| Earnings coverage of net charge-offs (x) | 1.3155% | 4,638 |
| Efficiency ratio | 53.7514% | 6,278 |
| Assets per employee ($millions) | 7.5206% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8847% | 815 |
| Loan loss allowance to noncurrent loans | 70.9082% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 3.8991% | 1,249 |
| Noncurrent loans to loans | 4.0682% | 1,244 |
| Net loans and leases to total assets | 68.5923% | 2,194 |
| Net loans and leases to deposits | 83.1027% | 1,986 |
| Net loans and leases to core deposits | 93.1541% | 1,668 |
| Total domestic deposits to total assets | 82.5392% | 4,818 |
| Equity capital to assets | 11.6208% | 2,625 |
| Core capital (leverage) ratio | 10.3258% | 3,132 |
| Tier 1 risk-based capital ratio | 12.5205% | 5,623 |
| Total risk-based capital ratio | 13.8225% | 5,545 |
| Memoranda: | ||
| Average total assets | $2,901,675,500 | 251 |
| Average earning assets | $2,592,961,250 | 253 |
| Average equity | $328,435,000 | 261 |
| Average total loans | $1,961,965,750 | 250 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5634% | 3,511 |
| Cost of funding earning assets | 0.2751% | 6,820 |
| Net interest margin | 4.2883% | 1,501 |
| Noninterest income to average assets | 0.3273% | 5,212 |
| Noninterest expense to average assets | 2.3816% | 5,519 |
| Loan and lease loss provision to assets | 1.5350% | 227 |
| Net operating income to assets | 0.2812% | 5,669 |
| Return on assets (ROA) | 0.3264% | 5,728 |
| Pretax return on assets | 0.2770% | 5,997 |
| Return on Equity (ROE) | 2.9094% | 5,725 |
| Retained earnings to average equity (ytd only) | 2.9094% | 4,696 |
| Net charge-offs to loans | 2.3576% | 311 |
| Credit loss provision to net charge-offs | 97.7528% | 2,835 |
| Earnings coverage of net charge-offs (x) | 1.1252% | 4,453 |
| Efficiency ratio | 55.2176% | 6,204 |
| Assets per employee ($millions) | 7.5652% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0219% | 761 |
| Loan loss allowance to noncurrent loans | 78.3438% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 3.7646% | 1,377 |
| Noncurrent loans to loans | 3.8573% | 1,447 |
| Net loans and leases to total assets | 66.4881% | 2,575 |
| Net loans and leases to deposits | 79.8711% | 2,401 |
| Net loans and leases to core deposits | 87.8195% | 2,228 |
| Total domestic deposits to total assets | 83.2443% | 4,655 |
| Equity capital to assets | 11.2846% | 2,809 |
| Core capital (leverage) ratio | 10.1624% | 3,189 |
| Tier 1 risk-based capital ratio | 12.2515% | 5,755 |
| Total risk-based capital ratio | 13.5182% | 5,724 |
| Memoranda: | ||
| Average total assets | $2,896,239,000 | 253 |
| Average earning assets | $2,580,814,000 | 253 |
| Average equity | $324,882,330 | 261 |
| Average total loans | $1,928,965,670 | 254 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6390% | 3,317 |
| Cost of funding earning assets | 0.2942% | 6,858 |
| Net interest margin | 4.3448% | 1,345 |
| Noninterest income to average assets | 0.2503% | 5,854 |
| Noninterest expense to average assets | 2.3650% | 5,584 |
| Loan and lease loss provision to assets | 1.8696% | 164 |
| Net operating income to assets | 0.1333% | 6,167 |
| Return on assets (ROA) | 0.1333% | 6,291 |
| Pretax return on assets | -0.1234% | 6,612 |
| Return on Equity (ROE) | 1.1917% | 6,312 |
| Retained earnings to average equity (ytd only) | 1.1917% | 5,614 |
| Net charge-offs to loans | 2.5227% | 325 |
| Credit loss provision to net charge-offs | 112.9535% | 2,089 |
| Earnings coverage of net charge-offs (x) | 1.0550% | 3,800 |
| Efficiency ratio | 55.3029% | 6,193 |
| Assets per employee ($millions) | 7.3373% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2485% | 650 |
| Loan loss allowance to noncurrent loans | 78.5539% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 3.9963% | 1,379 |
| Noncurrent loans to loans | 4.1354% | 1,464 |
| Net loans and leases to total assets | 64.4494% | 2,771 |
| Net loans and leases to deposits | 76.5104% | 2,729 |
| Net loans and leases to core deposits | 85.1380% | 2,393 |
| Total domestic deposits to total assets | 84.2361% | 4,383 |
| Equity capital to assets | 11.2193% | 2,699 |
| Core capital (leverage) ratio | 9.8207% | 3,610 |
| Tier 1 risk-based capital ratio | 12.3051% | 5,753 |
| Total risk-based capital ratio | 13.5741% | 5,699 |
| Memoranda: | ||
| Average total assets | $2,884,277,000 | 253 |
| Average earning assets | $2,562,948,000 | 252 |
| Average equity | $322,558,500 | 257 |
| Average total loans | $1,892,417,000 | 252 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 3,865 |
| Cost of funding earning assets | 0.4708% | 6,651 |
| Net interest margin | 4.3186% | 1,639 |
| Noninterest income to average assets | 0.0035% | 6,972 |
| Noninterest expense to average assets | 2.5297% | 5,354 |
| Loan and lease loss provision to assets | 1.0487% | 884 |
| Net operating income to assets | 0.1845% | 5,635 |
| Return on assets (ROA) | 0.2646% | 5,531 |
| Pretax return on assets | 0.3222% | 5,500 |
| Return on Equity (ROE) | 2.3665% | 5,523 |
| Retained earnings to average equity (ytd only) | 2.3665% | 4,540 |
| Net charge-offs to loans | 2.2530% | 559 |
| Credit loss provision to net charge-offs | 70.2943% | 4,835 |
| Earnings coverage of net charge-offs (x) | 0.8534% | 5,158 |
| Efficiency ratio | 64.0686% | 5,117 |
| Assets per employee ($millions) | 7.1762% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2818% | 632 |
| Loan loss allowance to noncurrent loans | 87.7101% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 3.8907% | 1,483 |
| Noncurrent loans to loans | 3.7416% | 1,685 |
| Net loans and leases to total assets | 62.4848% | 3,509 |
| Net loans and leases to deposits | 75.6350% | 3,234 |
| Net loans and leases to core deposits | 86.3749% | 2,588 |
| Total domestic deposits to total assets | 82.6137% | 4,917 |
| Equity capital to assets | 11.1472% | 2,846 |
| Core capital (leverage) ratio | 9.4543% | 4,103 |
| Tier 1 risk-based capital ratio | 11.9357% | 5,871 |
| Total risk-based capital ratio | 13.2043% | 5,838 |
| Memoranda: | ||
| Average total assets | $2,824,576,600 | 254 |
| Average earning assets | $2,484,976,000 | 258 |
| Average equity | $315,870,200 | 253 |
| Average total loans | $1,870,418,600 | 248 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8110% | 3,982 |
| Cost of funding earning assets | 0.5130% | 6,649 |
| Net interest margin | 4.2980% | 1,722 |
| Noninterest income to average assets | 0.0246% | 7,032 |
| Noninterest expense to average assets | 2.5701% | 5,199 |
| Loan and lease loss provision to assets | 0.9780% | 892 |
| Net operating income to assets | 0.1960% | 5,710 |
| Return on assets (ROA) | 0.2992% | 5,573 |
| Pretax return on assets | 0.3830% | 5,521 |
| Return on Equity (ROE) | 2.6730% | 5,549 |
| Retained earnings to average equity (ytd only) | 2.6730% | 4,753 |
| Net charge-offs to loans | 2.1892% | 562 |
| Credit loss provision to net charge-offs | 67.0482% | 4,574 |
| Earnings coverage of net charge-offs (x) | 0.8424% | 4,982 |
| Efficiency ratio | 65.1865% | 4,864 |
| Assets per employee ($millions) | 7.0444% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4231% | 601 |
| Loan loss allowance to noncurrent loans | 72.2702% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 4.2619% | 1,433 |
| Noncurrent loans to loans | 4.7365% | 1,356 |
| Net loans and leases to total assets | 62.6910% | 3,571 |
| Net loans and leases to deposits | 72.5127% | 3,889 |
| Net loans and leases to core deposits | 83.5721% | 3,117 |
| Total domestic deposits to total assets | 86.4552% | 2,956 |
| Equity capital to assets | 11.2232% | 2,946 |
| Core capital (leverage) ratio | 9.4513% | 4,225 |
| Tier 1 risk-based capital ratio | 12.3114% | 5,658 |
| Total risk-based capital ratio | 13.5824% | 5,626 |
| Memoranda: | ||
| Average total assets | $2,811,309,500 | 252 |
| Average earning assets | $2,468,734,500 | 258 |
| Average equity | $314,643,500 | 255 |
| Average total loans | $1,873,247,500 | 247 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8931% | 3,656 |
| Cost of funding earning assets | 0.5418% | 6,694 |
| Net interest margin | 4.3513% | 1,509 |
| Noninterest income to average assets | -0.1067% | 7,294 |
| Noninterest expense to average assets | 2.5406% | 5,390 |
| Loan and lease loss provision to assets | 0.8796% | 1,015 |
| Net operating income to assets | 0.2191% | 5,671 |
| Return on assets (ROA) | 0.3302% | 5,383 |
| Pretax return on assets | 0.4250% | 5,322 |
| Return on Equity (ROE) | 2.9527% | 5,410 |
| Retained earnings to average equity (ytd only) | 2.9527% | 4,399 |
| Net charge-offs to loans | 2.0244% | 660 |
| Credit loss provision to net charge-offs | 64.6404% | 4,215 |
| Earnings coverage of net charge-offs (x) | 0.8541% | 4,656 |
| Efficiency ratio | 66.0688% | 4,863 |
| Assets per employee ($millions) | 6.9842% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6015% | 561 |
| Loan loss allowance to noncurrent loans | 75.2735% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 4.3466% | 1,462 |
| Noncurrent loans to loans | 4.7845% | 1,377 |
| Net loans and leases to total assets | 62.9007% | 3,699 |
| Net loans and leases to deposits | 73.0044% | 3,955 |
| Net loans and leases to core deposits | 83.8936% | 3,231 |
| Total domestic deposits to total assets | 86.1601% | 3,237 |
| Equity capital to assets | 11.1672% | 2,796 |
| Core capital (leverage) ratio | 9.5447% | 3,885 |
| Tier 1 risk-based capital ratio | 12.4890% | 5,358 |
| Total risk-based capital ratio | 13.7631% | 5,309 |
| Memoranda: | ||
| Average total assets | $2,797,423,670 | 257 |
| Average earning assets | $2,449,181,000 | 261 |
| Average equity | $312,793,670 | 256 |
| Average total loans | $1,880,347,330 | 247 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9449% | 3,352 |
| Cost of funding earning assets | 0.5816% | 6,685 |
| Net interest margin | 4.3632% | 1,381 |
| Noninterest income to average assets | -0.1345% | 7,399 |
| Noninterest expense to average assets | 2.5467% | 5,396 |
| Loan and lease loss provision to assets | 1.0095% | 756 |
| Net operating income to assets | 0.0929% | 6,111 |
| Return on assets (ROA) | 0.1289% | 6,072 |
| Pretax return on assets | 0.1651% | 6,017 |
| Return on Equity (ROE) | 1.1518% | 6,087 |
| Retained earnings to average equity (ytd only) | 1.1518% | 5,364 |
| Net charge-offs to loans | 2.0880% | 602 |
| Credit loss provision to net charge-offs | 70.8662% | 3,339 |
| Earnings coverage of net charge-offs (x) | 0.7921% | 4,045 |
| Efficiency ratio | 66.7111% | 4,910 |
| Assets per employee ($millions) | 6.8430% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7738% | 498 |
| Loan loss allowance to noncurrent loans | 95.4743% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 4.2897% | 1,525 |
| Noncurrent loans to loans | 3.9527% | 1,848 |
| Net loans and leases to total assets | 64.8429% | 3,278 |
| Net loans and leases to deposits | 75.3698% | 3,523 |
| Net loans and leases to core deposits | 85.2967% | 2,989 |
| Total domestic deposits to total assets | 86.0330% | 3,510 |
| Equity capital to assets | 11.1718% | 2,524 |
| Core capital (leverage) ratio | 9.3115% | 4,108 |
| Tier 1 risk-based capital ratio | 12.0776% | 5,621 |
| Total risk-based capital ratio | 13.3535% | 5,595 |
| Memoranda: | ||
| Average total assets | $2,774,856,000 | 261 |
| Average earning assets | $2,422,801,000 | 265 |
| Average equity | $310,473,000 | 254 |
| Average total loans | $1,893,126,500 | 247 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2387% | 3,417 |
| Cost of funding earning assets | 0.8828% | 6,228 |
| Net interest margin | 4.3559% | 1,633 |
| Noninterest income to average assets | -0.1304% | 7,419 |
| Noninterest expense to average assets | 2.5085% | 5,764 |
| Loan and lease loss provision to assets | 2.7647% | 372 |
| Net operating income to assets | -1.0422% | 6,708 |
| Return on assets (ROA) | -0.9522% | 6,692 |
| Pretax return on assets | -1.4935% | 6,853 |
| Return on Equity (ROE) | -9.0555% | 6,677 |
| Retained earnings to average equity (ytd only) | -9.0555% | 6,594 |
| Net charge-offs to loans | 3.5773% | 393 |
| Credit loss provision to net charge-offs | 108.1094% | 4,091 |
| Earnings coverage of net charge-offs (x) | 0.4421% | 5,669 |
| Efficiency ratio | 66.3208% | 4,912 |
| Assets per employee ($millions) | 6.5830% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8415% | 451 |
| Loan loss allowance to noncurrent loans | 89.7484% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 4.8035% | 1,354 |
| Noncurrent loans to loans | 4.2803% | 1,689 |
| Net loans and leases to total assets | 66.4117% | 3,378 |
| Net loans and leases to deposits | 77.0670% | 3,667 |
| Net loans and leases to core deposits | 88.2489% | 3,019 |
| Total domestic deposits to total assets | 86.1739% | 3,264 |
| Equity capital to assets | 11.2059% | 2,503 |
| Core capital (leverage) ratio | 9.2735% | 4,061 |
| Tier 1 risk-based capital ratio | 11.5235% | 5,889 |
| Total risk-based capital ratio | 12.7998% | 5,870 |
| Memoranda: | ||
| Average total assets | $2,773,135,400 | 256 |
| Average earning assets | $2,399,906,000 | 264 |
| Average equity | $291,602,200 | 261 |
| Average total loans | $1,982,444,200 | 244 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2783% | 3,458 |
| Cost of funding earning assets | 0.9581% | 6,138 |
| Net interest margin | 4.3202% | 1,775 |
| Noninterest income to average assets | -0.0533% | 7,501 |
| Noninterest expense to average assets | 2.5081% | 5,693 |
| Loan and lease loss provision to assets | 2.9196% | 310 |
| Net operating income to assets | -1.1117% | 6,950 |
| Return on assets (ROA) | -0.9915% | 6,943 |
| Pretax return on assets | -1.5590% | 7,060 |
| Return on Equity (ROE) | -9.5867% | 6,911 |
| Retained earnings to average equity (ytd only) | -9.5867% | 6,856 |
| Net charge-offs to loans | 4.0202% | 302 |
| Credit loss provision to net charge-offs | 100.7348% | 4,283 |
| Earnings coverage of net charge-offs (x) | 0.4047% | 5,620 |
| Efficiency ratio | 65.5579% | 4,951 |
| Assets per employee ($millions) | 6.7200% | 876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5175% | 532 |
| Loan loss allowance to noncurrent loans | 75.0187% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 4.9329% | 1,314 |
| Noncurrent loans to loans | 4.6888% | 1,517 |
| Net loans and leases to total assets | 67.4255% | 3,347 |
| Net loans and leases to deposits | 77.7257% | 3,879 |
| Net loans and leases to core deposits | 90.5207% | 3,024 |
| Total domestic deposits to total assets | 86.7481% | 2,668 |
| Equity capital to assets | 11.2720% | 2,722 |
| Core capital (leverage) ratio | 9.1263% | 4,486 |
| Tier 1 risk-based capital ratio | 11.0869% | 6,300 |
| Total risk-based capital ratio | 12.3599% | 6,272 |
| Memoranda: | ||
| Average total assets | $2,773,557,000 | 256 |
| Average earning assets | $2,397,378,500 | 265 |
| Average equity | $286,861,500 | 261 |
| Average total loans | $1,999,531,250 | 243 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3222% | 3,357 |
| Cost of funding earning assets | 1.0550% | 5,898 |
| Net interest margin | 4.2672% | 1,901 |
| Noninterest income to average assets | -0.0227% | 7,566 |
| Noninterest expense to average assets | 2.5423% | 5,556 |
| Loan and lease loss provision to assets | 2.9668% | 332 |
| Net operating income to assets | -1.1716% | 7,016 |
| Return on assets (ROA) | -0.9913% | 6,963 |
| Pretax return on assets | -1.5495% | 7,093 |
| Return on Equity (ROE) | -9.8806% | 6,964 |
| Retained earnings to average equity (ytd only) | -9.8806% | 6,911 |
| Net charge-offs to loans | 4.1154% | 309 |
| Credit loss provision to net charge-offs | 98.9845% | 4,152 |
| Earnings coverage of net charge-offs (x) | 0.3788% | 5,359 |
| Efficiency ratio | 66.5431% | 4,874 |
| Assets per employee ($millions) | 6.2963% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4138% | 588 |
| Loan loss allowance to noncurrent loans | 78.3549% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 5.7201% | 1,057 |
| Noncurrent loans to loans | 4.3568% | 1,697 |
| Net loans and leases to total assets | 68.9462% | 3,144 |
| Net loans and leases to deposits | 78.8355% | 3,828 |
| Net loans and leases to core deposits | 91.5945% | 3,044 |
| Total domestic deposits to total assets | 87.4559% | 2,284 |
| Equity capital to assets | 10.3851% | 3,540 |
| Core capital (leverage) ratio | 8.0493% | 6,201 |
| Tier 1 risk-based capital ratio | 9.9380% | 7,061 |
| Total risk-based capital ratio | 11.2107% | 7,025 |
| Memoranda: | ||
| Average total assets | $2,772,958,330 | 256 |
| Average earning assets | $2,404,680,000 | 266 |
| Average equity | $278,202,670 | 267 |
| Average total loans | $2,019,535,330 | 241 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4078% | 2,997 |
| Cost of funding earning assets | 1.1469% | 5,672 |
| Net interest margin | 4.2609% | 1,820 |
| Noninterest income to average assets | 0.7783% | 2,128 |
| Noninterest expense to average assets | 2.5975% | 5,367 |
| Loan and lease loss provision to assets | 3.1733% | 310 |
| Net operating income to assets | -0.8465% | 7,032 |
| Return on assets (ROA) | -0.4321% | 6,823 |
| Pretax return on assets | -0.6599% | 6,875 |
| Return on Equity (ROE) | -4.3831% | 6,847 |
| Retained earnings to average equity (ytd only) | -4.3831% | 6,539 |
| Net charge-offs to loans | 3.8242% | 358 |
| Credit loss provision to net charge-offs | 112.8213% | 3,073 |
| Earnings coverage of net charge-offs (x) | 0.6669% | 4,431 |
| Efficiency ratio | 55.9480% | 6,771 |
| Assets per employee ($millions) | 6.2940% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4913% | 554 |
| Loan loss allowance to noncurrent loans | 72.5989% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 6.2824% | 928 |
| Noncurrent loans to loans | 4.8090% | 1,527 |
| Net loans and leases to total assets | 69.9947% | 2,944 |
| Net loans and leases to deposits | 85.6946% | 2,647 |
| Net loans and leases to core deposits | 101.0004% | 2,034 |
| Total domestic deposits to total assets | 81.6792% | 5,204 |
| Equity capital to assets | 10.6605% | 3,077 |
| Core capital (leverage) ratio | 8.4827% | 5,406 |
| Tier 1 risk-based capital ratio | 10.2424% | 6,853 |
| Total risk-based capital ratio | 14.1975% | 4,350 |
| Memoranda: | ||
| Average total assets | $2,777,392,500 | 265 |
| Average earning assets | $2,408,598,000 | 274 |
| Average equity | $273,777,500 | 273 |
| Average total loans | $2,042,756,500 | 246 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6491% | 3,356 |
| Cost of funding earning assets | 1.5521% | 5,267 |
| Net interest margin | 4.0970% | 2,459 |
| Noninterest income to average assets | 0.0483% | 7,509 |
| Noninterest expense to average assets | 4.0901% | 1,248 |
| Loan and lease loss provision to assets | 3.5793% | 426 |
| Net operating income to assets | -3.1078% | 7,425 |
| Return on assets (ROA) | -3.3333% | 7,466 |
| Pretax return on assets | -4.2916% | 7,596 |
| Return on Equity (ROE) | -39.5664% | 7,563 |
| Retained earnings to average equity (ytd only) | -39.5664% | 7,547 |
| Net charge-offs to loans | 3.6685% | 508 |
| Credit loss provision to net charge-offs | 129.5996% | 3,950 |
| Earnings coverage of net charge-offs (x) | -0.1532% | 6,394 |
| Efficiency ratio | 67.1988% | 5,146 |
| Assets per employee ($millions) | 6.3450% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2705% | 619 |
| Loan loss allowance to noncurrent loans | 64.4312% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 5.7736% | 992 |
| Noncurrent loans to loans | 5.0760% | 1,323 |
| Net loans and leases to total assets | 72.1320% | 2,727 |
| Net loans and leases to deposits | 90.9609% | 2,054 |
| Net loans and leases to core deposits | 119.8025% | 1,959 |
| Total domestic deposits to total assets | 79.3000% | 5,902 |
| Equity capital to assets | 9.0553% | 5,055 |
| Core capital (leverage) ratio | 6.6643% | 7,426 |
| Tier 1 risk-based capital ratio | 8.0326% | 7,649 |
| Total risk-based capital ratio | 11.9283% | 6,205 |
| Memoranda: | ||
| Average total assets | $2,929,599,600 | 253 |
| Average earning assets | $2,587,553,400 | 262 |
| Average equity | $246,808,200 | 290 |
| Average total loans | $2,205,544,800 | 238 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6741% | 3,456 |
| Cost of funding earning assets | 1.6266% | 5,278 |
| Net interest margin | 4.0476% | 2,606 |
| Noninterest income to average assets | 0.0757% | 7,527 |
| Noninterest expense to average assets | 4.6428% | 639 |
| Loan and lease loss provision to assets | 3.5149% | 374 |
| Net operating income to assets | -3.5715% | 7,695 |
| Return on assets (ROA) | -3.8191% | 7,728 |
| Pretax return on assets | -4.8021% | 7,788 |
| Return on Equity (ROE) | -46.1418% | 7,803 |
| Retained earnings to average equity (ytd only) | -46.1418% | 7,797 |
| Net charge-offs to loans | 3.1252% | 516 |
| Credit loss provision to net charge-offs | 149.0606% | 3,233 |
| Earnings coverage of net charge-offs (x) | -0.4146% | 6,435 |
| Efficiency ratio | 69.0814% | 4,767 |
| Assets per employee ($millions) | 6.1048% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2462% | 534 |
| Loan loss allowance to noncurrent loans | 53.5418% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 5.8817% | 932 |
| Noncurrent loans to loans | 6.0629% | 970 |
| Net loans and leases to total assets | 70.6218% | 3,358 |
| Net loans and leases to deposits | 88.4508% | 2,878 |
| Net loans and leases to core deposits | 116.0912% | 2,612 |
| Total domestic deposits to total assets | 79.8430% | 5,499 |
| Equity capital to assets | 8.9479% | 5,560 |
| Core capital (leverage) ratio | 6.9214% | 7,480 |
| Tier 1 risk-based capital ratio | 8.2887% | 7,755 |
| Total risk-based capital ratio | 12.0868% | 6,078 |
| Memoranda: | ||
| Average total assets | $2,967,220,500 | 259 |
| Average earning assets | $2,631,477,750 | 267 |
| Average equity | $245,596,250 | 300 |
| Average total loans | $2,238,828,500 | 249 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8285% | 2,907 |
| Cost of funding earning assets | 1.6703% | 5,421 |
| Net interest margin | 4.1583% | 2,131 |
| Noninterest income to average assets | 0.2750% | 6,298 |
| Noninterest expense to average assets | 5.6804% | 356 |
| Loan and lease loss provision to assets | 2.7885% | 546 |
| Net operating income to assets | -3.9063% | 7,816 |
| Return on assets (ROA) | -4.3419% | 7,872 |
| Pretax return on assets | -5.0087% | 7,859 |
| Return on Equity (ROE) | -53.8938% | 7,942 |
| Retained earnings to average equity (ytd only) | -53.8938% | 7,938 |
| Net charge-offs to loans | 2.7440% | 612 |
| Credit loss provision to net charge-offs | 133.2542% | 3,503 |
| Earnings coverage of net charge-offs (x) | -0.8216% | 6,186 |
| Efficiency ratio | 64.8635% | 5,749 |
| Assets per employee ($millions) | 5.6166% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4535% | 940 |
| Loan loss allowance to noncurrent loans | 49.6459% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 4.8816% | 1,111 |
| Noncurrent loans to loans | 4.9420% | 1,249 |
| Net loans and leases to total assets | 74.1957% | 2,653 |
| Net loans and leases to deposits | 102.2401% | 1,060 |
| Net loans and leases to core deposits | 129.8219% | 1,584 |
| Total domestic deposits to total assets | 72.5700% | 7,173 |
| Equity capital to assets | 7.8457% | 6,917 |
| Core capital (leverage) ratio | 7.0172% | 7,525 |
| Tier 1 risk-based capital ratio | 8.3343% | 7,875 |
| Total risk-based capital ratio | 12.0263% | 6,038 |
| Memoranda: | ||
| Average total assets | $2,977,487,330 | 267 |
| Average earning assets | $2,639,359,670 | 271 |
| Average equity | $239,879,330 | 308 |
| Average total loans | $2,270,662,000 | 254 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8439% | 3,069 |
| Cost of funding earning assets | 1.6408% | 5,855 |
| Net interest margin | 4.2031% | 1,889 |
| Noninterest income to average assets | 0.1790% | 7,020 |
| Noninterest expense to average assets | 8.2675% | 146 |
| Loan and lease loss provision to assets | 1.2077% | 1,072 |
| Net operating income to assets | -5.8879% | 8,082 |
| Return on assets (ROA) | -8.0844% | 8,139 |
| Pretax return on assets | -7.7682% | 8,105 |
| Return on Equity (ROE) | -99.0991% | 8,153 |
| Retained earnings to average equity (ytd only) | -99.0991% | 8,150 |
| Net charge-offs to loans | 1.6531% | 876 |
| Credit loss provision to net charge-offs | 95.6791% | 3,879 |
| Earnings coverage of net charge-offs (x) | -3.4573% | 5,526 |
| Efficiency ratio | 56.5795% | 6,884 |
| Assets per employee ($millions) | 5.9111% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8939% | 1,628 |
| Loan loss allowance to noncurrent loans | 42.2657% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 3.6911% | 1,434 |
| Noncurrent loans to loans | 4.4810% | 1,285 |
| Net loans and leases to total assets | 74.4611% | 2,634 |
| Net loans and leases to deposits | 116.5904% | 369 |
| Net loans and leases to core deposits | 146.1362% | 854 |
| Total domestic deposits to total assets | 63.8656% | 7,851 |
| Equity capital to assets | 7.4137% | 7,413 |
| Core capital (leverage) ratio | 6.8502% | 7,730 |
| Tier 1 risk-based capital ratio | 8.0017% | 8,010 |
| Total risk-based capital ratio | 11.5781% | 6,486 |
| Memoranda: | ||
| Average total assets | $3,014,342,000 | 266 |
| Average earning assets | $2,671,147,500 | 268 |
| Average equity | $245,907,500 | 306 |
| Average total loans | $2,301,659,500 | 252 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5281% | 2,823 |
| Cost of funding earning assets | 2.3126% | 5,094 |
| Net interest margin | 4.2155% | 2,253 |
| Noninterest income to average assets | 0.2529% | 6,642 |
| Noninterest expense to average assets | 4.0300% | 1,374 |
| Loan and lease loss provision to assets | 1.5467% | 867 |
| Net operating income to assets | -1.2928% | 7,384 |
| Return on assets (ROA) | -4.0538% | 7,982 |
| Pretax return on assets | -5.2586% | 8,047 |
| Return on Equity (ROE) | -40.8727% | 8,086 |
| Retained earnings to average equity (ytd only) | -44.1601% | 8,081 |
| Net charge-offs to loans | 1.6187% | 698 |
| Credit loss provision to net charge-offs | 129.4113% | 4,118 |
| Earnings coverage of net charge-offs (x) | -0.1055% | 6,322 |
| Efficiency ratio | 51.3555% | 7,555 |
| Assets per employee ($millions) | 6.0769% | 1,101 |
| Cash dividends to net income (ytd only)* | -8.0431% | 7,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8968% | 1,423 |
| Loan loss allowance to noncurrent loans | 113.5198% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 1.5880% | 3,064 |
| Noncurrent loans to loans | 1.6709% | 3,263 |
| Net loans and leases to total assets | 75.3601% | 2,790 |
| Net loans and leases to deposits | 129.6413% | 218 |
| Net loans and leases to core deposits | 156.0253% | 667 |
| Total domestic deposits to total assets | 58.1297% | 8,011 |
| Equity capital to assets | 8.9053% | 5,494 |
| Core capital (leverage) ratio | 6.7895% | 7,822 |
| Tier 1 risk-based capital ratio | 7.8186% | 8,109 |
| Total risk-based capital ratio | 11.3657% | 6,472 |
| Memoranda: | ||
| Average total assets | $3,066,991,000 | 253 |
| Average earning assets | $2,656,312,000 | 259 |
| Average equity | $304,188,600 | 265 |
| Average total loans | $2,264,544,000 | 248 |