Home > Bank of the Rio Grande > Performance and Condition Ratios
Bank of the Rio Grande, 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 | 5.8703% | 217 |
| Cost of funding earning assets | 0.1282% | 6,707 |
| Net interest margin | 5.7420% | 103 |
| Noninterest income to average assets | 0.4939% | 3,856 |
| Noninterest expense to average assets | 4.7257% | 428 |
| Loan and lease loss provision to assets | 0.4085% | 729 |
| Net operating income to assets | -0.1119% | 6,395 |
| Return on assets (ROA) | -0.1119% | 6,429 |
| Pretax return on assets | -0.1119% | 6,409 |
| Return on Equity (ROE) | -0.3543% | 6,376 |
| Retained earnings to average equity (ytd only) | -0.3543% | 6,014 |
| Net charge-offs to loans | 0.0875% | 3,697 |
| Credit loss provision to net charge-offs | 904.3478% | 335 |
| Earnings coverage of net charge-offs (x) | 6.5655% | 2,947 |
| Efficiency ratio | 90.6549% | 941 |
| Assets per employee ($millions) | 2.8907% | 6,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 5,645 |
| Loan loss allowance to noncurrent loans | 38.8259% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 1.4061% | 2,849 |
| Noncurrent loans to loans | 2.6198% | 1,620 |
| Net loans and leases to total assets | 51.9481% | 4,881 |
| Net loans and leases to deposits | 74.0639% | 3,224 |
| Net loans and leases to core deposits | 89.6769% | 2,006 |
| Total domestic deposits to total assets | 70.1396% | 6,593 |
| Equity capital to assets | 29.0010% | 66 |
| Core capital (leverage) ratio | 22.2089% | 127 |
| Tier 1 risk-based capital ratio | 29.8012% | 526 |
| Total risk-based capital ratio | 30.6602% | 537 |
| Memoranda: | ||
| Average total assets | $135,793,250 | 3,996 |
| Average earning assets | $107,091,000 | 4,379 |
| Average equity | $42,902,750 | 1,645 |
| Average total loans | $70,079,250 | 4,300 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5493% | 93 |
| Cost of funding earning assets | 0.1088% | 6,807 |
| Net interest margin | 6.4406% | 61 |
| Noninterest income to average assets | 0.4761% | 3,985 |
| Noninterest expense to average assets | 4.9153% | 382 |
| Loan and lease loss provision to assets | 0.5594% | 467 |
| Net operating income to assets | 0.0288% | 6,264 |
| Return on assets (ROA) | 0.0288% | 6,340 |
| Pretax return on assets | 0.0288% | 6,324 |
| Return on Equity (ROE) | 0.0885% | 6,358 |
| Retained earnings to average equity (ytd only) | 0.0885% | 5,823 |
| Net charge-offs to loans | 0.0650% | 3,770 |
| Credit loss provision to net charge-offs | 1,677.2727% | 190 |
| Earnings coverage of net charge-offs (x) | 17.6364% | 1,595 |
| Efficiency ratio | 86.0882% | 1,405 |
| Assets per employee ($millions) | 2.5223% | 6,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9548% | 5,975 |
| Loan loss allowance to noncurrent loans | 49.1634% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 1.4677% | 2,904 |
| Noncurrent loans to loans | 1.9421% | 2,462 |
| Net loans and leases to total assets | 61.6103% | 3,369 |
| Net loans and leases to deposits | 93.7572% | 824 |
| Net loans and leases to core deposits | 94.1113% | 1,510 |
| Total domestic deposits to total assets | 65.7126% | 6,765 |
| Equity capital to assets | 33.3515% | 55 |
| Core capital (leverage) ratio | 24.1201% | 92 |
| Tier 1 risk-based capital ratio | 30.4276% | 500 |
| Total risk-based capital ratio | 31.2768% | 513 |
| Memoranda: | ||
| Average total assets | $131,915,670 | 4,103 |
| Average earning assets | $102,972,330 | 4,497 |
| Average equity | $42,952,000 | 1,644 |
| Average total loans | $67,648,330 | 4,390 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5845% | 50 |
| Cost of funding earning assets | 0.1037% | 6,905 |
| Net interest margin | 7.4808% | 40 |
| Noninterest income to average assets | 0.4852% | 3,882 |
| Noninterest expense to average assets | 5.3491% | 292 |
| Loan and lease loss provision to assets | 0.6439% | 376 |
| Net operating income to assets | 0.3235% | 5,477 |
| Return on assets (ROA) | 0.3235% | 5,610 |
| Pretax return on assets | 0.3235% | 5,796 |
| Return on Equity (ROE) | 1.0052% | 6,221 |
| Retained earnings to average equity (ytd only) | 1.0052% | 5,447 |
| Net charge-offs to loans | 0.1497% | 2,503 |
| Credit loss provision to net charge-offs | 934.7826% | 335 |
| Earnings coverage of net charge-offs (x) | 14.0435% | 1,483 |
| Efficiency ratio | 81.8872% | 2,048 |
| Assets per employee ($millions) | 2.6391% | 6,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8736% | 6,316 |
| Loan loss allowance to noncurrent loans | 73.1971% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 0.8836% | 4,178 |
| Noncurrent loans to loans | 1.1934% | 3,777 |
| Net loans and leases to total assets | 52.3709% | 4,646 |
| Net loans and leases to deposits | 78.8377% | 2,235 |
| Net loans and leases to core deposits | 79.1239% | 2,913 |
| Total domestic deposits to total assets | 66.4287% | 6,838 |
| Equity capital to assets | 32.6134% | 60 |
| Core capital (leverage) ratio | 23.6565% | 99 |
| Tier 1 risk-based capital ratio | 33.3353% | 402 |
| Total risk-based capital ratio | 34.0797% | 407 |
| Memoranda: | ||
| Average total assets | $133,555,500 | 4,109 |
| Average earning assets | $104,106,500 | 4,513 |
| Average equity | $42,977,000 | 1,663 |
| Average total loans | $61,464,000 | 4,651 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5880% | 525 |
| Cost of funding earning assets | 0.1258% | 6,966 |
| Net interest margin | 5.4622% | 180 |
| Noninterest income to average assets | 0.5834% | 3,370 |
| Noninterest expense to average assets | 4.9963% | 379 |
| Loan and lease loss provision to assets | 0.3397% | 1,981 |
| Net operating income to assets | -0.4124% | 6,522 |
| Return on assets (ROA) | -0.4124% | 6,569 |
| Pretax return on assets | -0.4124% | 6,535 |
| Return on Equity (ROE) | -1.5187% | 6,425 |
| Retained earnings to average equity (ytd only) | -1.5187% | 6,096 |
| Net charge-offs to loans | 0.0255% | 5,538 |
| Credit loss provision to net charge-offs | 3,346.1538% | 75 |
| Earnings coverage of net charge-offs (x) | -7.1538% | 5,930 |
| Efficiency ratio | 97.1447% | 656 |
| Assets per employee ($millions) | 2.7583% | 6,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7836% | 6,516 |
| Loan loss allowance to noncurrent loans | 31.2126% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 0.9885% | 4,053 |
| Noncurrent loans to loans | 2.5107% | 2,101 |
| Net loans and leases to total assets | 39.0630% | 6,226 |
| Net loans and leases to deposits | 57.8206% | 5,258 |
| Net loans and leases to core deposits | 58.0214% | 5,539 |
| Total domestic deposits to total assets | 67.5590% | 6,870 |
| Equity capital to assets | 31.7552% | 61 |
| Core capital (leverage) ratio | 23.0312% | 115 |
| Tier 1 risk-based capital ratio | 39.1750% | 248 |
| Total risk-based capital ratio | 39.7842% | 256 |
| Memoranda: | ||
| Average total assets | $128,035,800 | 4,186 |
| Average earning assets | $101,735,800 | 4,555 |
| Average equity | $34,767,400 | 1,994 |
| Average total loans | $50,883,400 | 5,073 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7494% | 425 |
| Cost of funding earning assets | 0.1557% | 7,025 |
| Net interest margin | 5.5936% | 155 |
| Noninterest income to average assets | 0.5998% | 3,273 |
| Noninterest expense to average assets | 5.1080% | 340 |
| Loan and lease loss provision to assets | 0.3971% | 1,613 |
| Net operating income to assets | -0.4287% | 6,662 |
| Return on assets (ROA) | -0.4287% | 6,702 |
| Pretax return on assets | -0.4287% | 6,672 |
| Return on Equity (ROE) | -1.6539% | 6,544 |
| Retained earnings to average equity (ytd only) | -1.6539% | 6,354 |
| Net charge-offs to loans | -0.0026% | 6,220 |
| Credit loss provision to net charge-offs | -37,600.0000% | 6,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3595% | 663 |
| Assets per employee ($millions) | 2.9188% | 6,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6847% | 6,766 |
| Loan loss allowance to noncurrent loans | 31.1297% | 6,081 |
| Noncurrent assets plus other real estate owned to assets | 0.8711% | 4,545 |
| Noncurrent loans to loans | 2.1996% | 2,622 |
| Net loans and leases to total assets | 39.3314% | 6,334 |
| Net loans and leases to deposits | 58.1391% | 5,421 |
| Net loans and leases to core deposits | 58.5594% | 5,698 |
| Total domestic deposits to total assets | 67.6505% | 6,938 |
| Equity capital to assets | 31.3763% | 65 |
| Core capital (leverage) ratio | 23.1745% | 117 |
| Tier 1 risk-based capital ratio | 38.4833% | 275 |
| Total risk-based capital ratio | 39.0232% | 284 |
| Memoranda: | ||
| Average total assets | $126,255,750 | 4,266 |
| Average earning assets | $101,040,750 | 4,620 |
| Average equity | $32,729,500 | 2,124 |
| Average total loans | $50,301,000 | 5,154 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8757% | 361 |
| Cost of funding earning assets | 0.2097% | 7,011 |
| Net interest margin | 5.6660% | 141 |
| Noninterest income to average assets | 0.6231% | 3,114 |
| Noninterest expense to average assets | 5.1283% | 341 |
| Loan and lease loss provision to assets | 0.3409% | 1,935 |
| Net operating income to assets | -0.3067% | 6,622 |
| Return on assets (ROA) | -0.3067% | 6,680 |
| Pretax return on assets | -0.3067% | 6,645 |
| Return on Equity (ROE) | -1.2836% | 6,564 |
| Retained earnings to average equity (ytd only) | -1.2836% | 6,251 |
| Net charge-offs to loans | -0.0123% | 6,320 |
| Credit loss provision to net charge-offs | -6,966.6667% | 6,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0079% | 753 |
| Assets per employee ($millions) | 2.9320% | 6,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4195% | 7,072 |
| Loan loss allowance to noncurrent loans | 15.8621% | 6,623 |
| Noncurrent assets plus other real estate owned to assets | 0.9676% | 4,440 |
| Noncurrent loans to loans | 2.6449% | 2,274 |
| Net loans and leases to total assets | 36.4301% | 6,591 |
| Net loans and leases to deposits | 53.2133% | 5,935 |
| Net loans and leases to core deposits | 53.7830% | 6,105 |
| Total domestic deposits to total assets | 68.4605% | 6,979 |
| Equity capital to assets | 30.5942% | 63 |
| Core capital (leverage) ratio | 23.1240% | 115 |
| Tier 1 risk-based capital ratio | 38.3900% | 266 |
| Total risk-based capital ratio | 38.7204% | 281 |
| Memoranda: | ||
| Average total assets | $122,613,330 | 4,359 |
| Average earning assets | $98,235,670 | 4,707 |
| Average equity | $29,291,670 | 2,301 |
| Average total loans | $48,958,670 | 5,234 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2780% | 212 |
| Cost of funding earning assets | 0.1663% | 7,155 |
| Net interest margin | 6.1117% | 91 |
| Noninterest income to average assets | 0.6628% | 2,854 |
| Noninterest expense to average assets | 5.1853% | 329 |
| Loan and lease loss provision to assets | 0.4292% | 1,462 |
| Net operating income to assets | -0.0687% | 6,503 |
| Return on assets (ROA) | -0.0687% | 6,594 |
| Pretax return on assets | -0.0309% | 6,555 |
| Return on Equity (ROE) | -0.3433% | 6,569 |
| Retained earnings to average equity (ytd only) | -0.3433% | 6,055 |
| Net charge-offs to loans | -0.0410% | 6,460 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6839% | 1,208 |
| Assets per employee ($millions) | 3.5491% | 5,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2866% | 7,184 |
| Loan loss allowance to noncurrent loans | 17.6391% | 6,626 |
| Noncurrent assets plus other real estate owned to assets | 0.6024% | 5,382 |
| Noncurrent loans to loans | 1.6249% | 3,676 |
| Net loans and leases to total assets | 34.4403% | 6,716 |
| Net loans and leases to deposits | 48.1107% | 6,282 |
| Net loans and leases to core deposits | 48.8787% | 6,404 |
| Total domestic deposits to total assets | 71.5856% | 6,902 |
| Equity capital to assets | 25.4590% | 94 |
| Core capital (leverage) ratio | 15.6223% | 513 |
| Tier 1 risk-based capital ratio | 26.9407% | 740 |
| Total risk-based capital ratio | 27.1714% | 792 |
| Memoranda: | ||
| Average total assets | $116,484,000 | 4,528 |
| Average earning assets | $93,788,000 | 4,856 |
| Average equity | $23,306,000 | 2,820 |
| Average total loans | $48,767,500 | 5,276 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4614% | 1,262 |
| Cost of funding earning assets | 0.2788% | 7,140 |
| Net interest margin | 5.1826% | 294 |
| Noninterest income to average assets | 0.8021% | 2,045 |
| Noninterest expense to average assets | 4.9708% | 386 |
| Loan and lease loss provision to assets | 0.1218% | 5,082 |
| Net operating income to assets | 0.6822% | 3,568 |
| Return on assets (ROA) | 0.6822% | 3,762 |
| Pretax return on assets | 0.1675% | 5,859 |
| Return on Equity (ROE) | 5.4082% | 4,195 |
| Retained earnings to average equity (ytd only) | 3.5753% | 3,687 |
| Net charge-offs to loans | 0.5334% | 2,874 |
| Credit loss provision to net charge-offs | 41.0256% | 5,613 |
| Earnings coverage of net charge-offs (x) | 0.9744% | 5,068 |
| Efficiency ratio | 94.5007% | 891 |
| Assets per employee ($millions) | 2.8236% | 6,424 |
| Cash dividends to net income (ytd only)* | 33.8912% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3534% | 1,537 |
| Loan loss allowance to noncurrent loans | 67.9956% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.8396% | 3,198 |
| Noncurrent loans to loans | 3.4612% | 1,856 |
| Net loans and leases to total assets | 50.1235% | 5,565 |
| Net loans and leases to deposits | 58.9131% | 5,605 |
| Net loans and leases to core deposits | 59.5187% | 5,888 |
| Total domestic deposits to total assets | 85.0803% | 3,802 |
| Equity capital to assets | 12.9659% | 1,505 |
| Core capital (leverage) ratio | 12.3430% | 1,419 |
| Tier 1 risk-based capital ratio | 19.5650% | 1,736 |
| Total risk-based capital ratio | 20.8234% | 1,699 |
| Memoranda: | ||
| Average total assets | $105,094,000 | 4,752 |
| Average earning assets | $90,398,400 | 4,925 |
| Average equity | $13,257,600 | 4,288 |
| Average total loans | $58,495,600 | 4,921 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4887% | 1,277 |
| Cost of funding earning assets | 0.2991% | 7,213 |
| Net interest margin | 5.1896% | 294 |
| Noninterest income to average assets | 0.8167% | 1,976 |
| Noninterest expense to average assets | 4.3024% | 710 |
| Loan and lease loss provision to assets | 0.1510% | 4,565 |
| Net operating income to assets | 1.3980% | 1,152 |
| Return on assets (ROA) | 1.3980% | 1,236 |
| Pretax return on assets | 0.8167% | 4,062 |
| Return on Equity (ROE) | 11.1569% | 1,804 |
| Retained earnings to average equity (ytd only) | 8.7166% | 1,247 |
| Net charge-offs to loans | 0.5526% | 2,579 |
| Credit loss provision to net charge-offs | 48.1928% | 5,074 |
| Earnings coverage of net charge-offs (x) | 3.0884% | 3,589 |
| Efficiency ratio | 81.6380% | 2,024 |
| Assets per employee ($millions) | 2.8950% | 6,319 |
| Cash dividends to net income (ytd only)* | 21.8720% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2980% | 1,693 |
| Loan loss allowance to noncurrent loans | 62.0106% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 2.0502% | 3,076 |
| Noncurrent loans to loans | 3.7058% | 1,839 |
| Net loans and leases to total assets | 50.9261% | 5,593 |
| Net loans and leases to deposits | 60.1449% | 5,611 |
| Net loans and leases to core deposits | 61.1289% | 5,896 |
| Total domestic deposits to total assets | 84.6724% | 3,932 |
| Equity capital to assets | 12.6902% | 1,789 |
| Core capital (leverage) ratio | 12.6852% | 1,352 |
| Tier 1 risk-based capital ratio | 19.0194% | 1,928 |
| Total risk-based capital ratio | 20.2766% | 1,903 |
| Memoranda: | ||
| Average total assets | $105,954,750 | 4,764 |
| Average earning assets | $90,923,250 | 4,927 |
| Average equity | $13,277,000 | 4,293 |
| Average total loans | $60,074,750 | 4,903 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4917% | 1,313 |
| Cost of funding earning assets | 0.3078% | 7,294 |
| Net interest margin | 5.1839% | 287 |
| Noninterest income to average assets | 0.8279% | 1,900 |
| Noninterest expense to average assets | 4.3858% | 676 |
| Loan and lease loss provision to assets | 0.1800% | 4,118 |
| Net operating income to assets | 1.7638% | 537 |
| Return on assets (ROA) | 1.7638% | 578 |
| Pretax return on assets | 0.7294% | 4,276 |
| Return on Equity (ROE) | 14.1364% | 953 |
| Retained earnings to average equity (ytd only) | 10.4467% | 757 |
| Net charge-offs to loans | 0.6733% | 2,153 |
| Credit loss provision to net charge-offs | 45.8937% | 4,677 |
| Earnings coverage of net charge-offs (x) | 2.3188% | 3,668 |
| Efficiency ratio | 82.8265% | 1,978 |
| Assets per employee ($millions) | 2.8212% | 6,430 |
| Cash dividends to net income (ytd only)* | 26.1010% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2012% | 1,920 |
| Loan loss allowance to noncurrent loans | 60.8899% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 2.1564% | 3,041 |
| Noncurrent loans to loans | 3.6150% | 1,947 |
| Net loans and leases to total assets | 55.3321% | 5,099 |
| Net loans and leases to deposits | 65.4715% | 5,076 |
| Net loans and leases to core deposits | 66.5725% | 5,438 |
| Total domestic deposits to total assets | 84.5132% | 4,113 |
| Equity capital to assets | 12.8571% | 1,595 |
| Core capital (leverage) ratio | 12.5033% | 1,356 |
| Tier 1 risk-based capital ratio | 18.1884% | 2,108 |
| Total risk-based capital ratio | 19.4458% | 2,063 |
| Memoranda: | ||
| Average total assets | $105,568,330 | 4,808 |
| Average earning assets | $90,974,330 | 4,967 |
| Average equity | $13,171,670 | 4,300 |
| Average total loans | $61,489,000 | 4,889 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5770% | 1,102 |
| Cost of funding earning assets | 0.3162% | 7,363 |
| Net interest margin | 5.2608% | 233 |
| Noninterest income to average assets | 0.8742% | 1,751 |
| Noninterest expense to average assets | 4.4989% | 592 |
| Loan and lease loss provision to assets | 0.2072% | 3,566 |
| Net operating income to assets | 2.9804% | 115 |
| Return on assets (ROA) | 2.9804% | 119 |
| Pretax return on assets | 0.6820% | 4,377 |
| Return on Equity (ROE) | 24.2508% | 185 |
| Retained earnings to average equity (ytd only) | 24.2508% | 112 |
| Net charge-offs to loans | 0.5933% | 2,012 |
| Credit loss provision to net charge-offs | 59.1398% | 3,561 |
| Earnings coverage of net charge-offs (x) | 2.5376% | 3,067 |
| Efficiency ratio | 83.4965% | 2,018 |
| Assets per employee ($millions) | 2.8329% | 6,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2585% | 1,842 |
| Loan loss allowance to noncurrent loans | 60.0262% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 2.2341% | 3,021 |
| Noncurrent loans to loans | 3.7625% | 1,957 |
| Net loans and leases to total assets | 55.2368% | 5,124 |
| Net loans and leases to deposits | 64.9777% | 5,134 |
| Net loans and leases to core deposits | 66.0304% | 5,505 |
| Total domestic deposits to total assets | 85.0090% | 4,031 |
| Equity capital to assets | 12.4857% | 1,636 |
| Core capital (leverage) ratio | 12.2642% | 1,424 |
| Tier 1 risk-based capital ratio | 17.8467% | 2,165 |
| Total risk-based capital ratio | 19.1046% | 2,133 |
| Memoranda: | ||
| Average total assets | $106,159,500 | 4,834 |
| Average earning assets | $91,089,000 | 5,002 |
| Average equity | $13,047,000 | 4,332 |
| Average total loans | $62,704,000 | 4,881 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4822% | 328 |
| Cost of funding earning assets | 0.4211% | 7,408 |
| Net interest margin | 6.0610% | 95 |
| Noninterest income to average assets | 0.8775% | 1,934 |
| Noninterest expense to average assets | 4.3690% | 753 |
| Loan and lease loss provision to assets | 0.5062% | 3,127 |
| Net operating income to assets | 1.1297% | 1,611 |
| Return on assets (ROA) | 1.1297% | 1,689 |
| Pretax return on assets | 1.1316% | 2,458 |
| Return on Equity (ROE) | 9.9706% | 1,938 |
| Retained earnings to average equity (ytd only) | 8.1719% | 928 |
| Net charge-offs to loans | 0.8614% | 2,477 |
| Credit loss provision to net charge-offs | 91.5825% | 5,060 |
| Earnings coverage of net charge-offs (x) | 2.9630% | 3,590 |
| Efficiency ratio | 72.7343% | 3,650 |
| Assets per employee ($millions) | 2.6167% | 6,828 |
| Cash dividends to net income (ytd only)* | 18.0395% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1867% | 1,895 |
| Loan loss allowance to noncurrent loans | 95.6640% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.6911% | 3,763 |
| Noncurrent loans to loans | 2.2859% | 3,234 |
| Net loans and leases to total assets | 60.3422% | 4,623 |
| Net loans and leases to deposits | 70.6824% | 4,731 |
| Net loans and leases to core deposits | 70.6824% | 5,377 |
| Total domestic deposits to total assets | 85.3709% | 3,683 |
| Equity capital to assets | 12.0887% | 1,856 |
| Core capital (leverage) ratio | 11.7744% | 1,688 |
| Tier 1 risk-based capital ratio | 16.1063% | 2,700 |
| Total risk-based capital ratio | 17.3640% | 2,653 |
| Memoranda: | ||
| Average total assets | $107,461,200 | 4,788 |
| Average earning assets | $90,941,600 | 4,986 |
| Average equity | $12,175,800 | 4,561 |
| Average total loans | $68,958,000 | 4,719 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4014% | 410 |
| Cost of funding earning assets | 0.4353% | 7,533 |
| Net interest margin | 5.9661% | 97 |
| Noninterest income to average assets | 0.8728% | 1,898 |
| Noninterest expense to average assets | 4.1185% | 918 |
| Loan and lease loss provision to assets | 0.6213% | 2,451 |
| Net operating income to assets | 1.1822% | 1,645 |
| Return on assets (ROA) | 1.1822% | 1,735 |
| Pretax return on assets | 1.1846% | 2,548 |
| Return on Equity (ROE) | 10.6053% | 1,900 |
| Retained earnings to average equity (ytd only) | 8.1835% | 1,358 |
| Net charge-offs to loans | 1.1096% | 1,834 |
| Credit loss provision to net charge-offs | 86.4494% | 4,906 |
| Earnings coverage of net charge-offs (x) | 2.5129% | 3,911 |
| Efficiency ratio | 69.5173% | 4,172 |
| Assets per employee ($millions) | 2.7403% | 6,705 |
| Cash dividends to net income (ytd only)* | 22.8362% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0220% | 2,169 |
| Loan loss allowance to noncurrent loans | 81.6893% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.8601% | 3,665 |
| Noncurrent loans to loans | 2.4752% | 3,146 |
| Net loans and leases to total assets | 64.3562% | 4,054 |
| Net loans and leases to deposits | 75.4489% | 4,273 |
| Net loans and leases to core deposits | 75.4489% | 5,123 |
| Total domestic deposits to total assets | 85.2976% | 3,466 |
| Equity capital to assets | 11.9703% | 2,175 |
| Core capital (leverage) ratio | 11.4791% | 1,951 |
| Tier 1 risk-based capital ratio | 15.1829% | 3,166 |
| Total risk-based capital ratio | 16.4392% | 3,132 |
| Memoranda: | ||
| Average total assets | $108,159,500 | 4,834 |
| Average earning assets | $91,582,000 | 5,019 |
| Average equity | $12,056,500 | 4,663 |
| Average total loans | $70,054,750 | 4,758 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3529% | 455 |
| Cost of funding earning assets | 0.4467% | 7,611 |
| Net interest margin | 5.9062% | 106 |
| Noninterest income to average assets | 0.8292% | 1,973 |
| Noninterest expense to average assets | 4.0894% | 936 |
| Loan and lease loss provision to assets | 0.6283% | 2,284 |
| Net operating income to assets | 1.1068% | 1,832 |
| Return on assets (ROA) | 1.1068% | 1,904 |
| Pretax return on assets | 1.1105% | 2,751 |
| Return on Equity (ROE) | 10.1675% | 2,039 |
| Retained earnings to average equity (ytd only) | 6.4931% | 2,074 |
| Net charge-offs to loans | 1.4673% | 1,301 |
| Credit loss provision to net charge-offs | 66.4093% | 5,068 |
| Earnings coverage of net charge-offs (x) | 1.8378% | 4,142 |
| Efficiency ratio | 70.1661% | 4,161 |
| Assets per employee ($millions) | 2.7715% | 6,634 |
| Cash dividends to net income (ytd only)* | 36.1386% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8711% | 2,504 |
| Loan loss allowance to noncurrent loans | 81.3131% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 1.7291% | 3,855 |
| Noncurrent loans to loans | 2.3012% | 3,371 |
| Net loans and leases to total assets | 62.4926% | 4,583 |
| Net loans and leases to deposits | 72.5477% | 4,901 |
| Net loans and leases to core deposits | 72.5477% | 5,615 |
| Total domestic deposits to total assets | 86.1400% | 3,009 |
| Equity capital to assets | 11.2103% | 2,682 |
| Core capital (leverage) ratio | 10.9182% | 2,310 |
| Tier 1 risk-based capital ratio | 14.4945% | 3,445 |
| Total risk-based capital ratio | 15.7492% | 3,412 |
| Memoranda: | ||
| Average total assets | $109,501,670 | 4,816 |
| Average earning assets | $92,682,330 | 5,024 |
| Average equity | $11,920,330 | 4,704 |
| Average total loans | $70,606,670 | 4,773 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4031% | 432 |
| Cost of funding earning assets | 0.4555% | 7,729 |
| Net interest margin | 5.9475% | 114 |
| Noninterest income to average assets | 0.8312% | 1,880 |
| Noninterest expense to average assets | 3.8110% | 1,313 |
| Loan and lease loss provision to assets | 1.0308% | 1,204 |
| Net operating income to assets | 1.0054% | 2,155 |
| Return on assets (ROA) | 1.0054% | 2,224 |
| Pretax return on assets | 1.0126% | 3,045 |
| Return on Equity (ROE) | 9.3724% | 2,347 |
| Retained earnings to average equity (ytd only) | 9.3724% | 1,300 |
| Net charge-offs to loans | 2.1820% | 780 |
| Credit loss provision to net charge-offs | 72.8205% | 4,038 |
| Earnings coverage of net charge-offs (x) | 1.4436% | 3,879 |
| Efficiency ratio | 65.0961% | 5,291 |
| Assets per employee ($millions) | 2.9708% | 6,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9465% | 2,325 |
| Loan loss allowance to noncurrent loans | 269.0476% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.7569% | 5,637 |
| Noncurrent loans to loans | 0.7235% | 5,874 |
| Net loans and leases to total assets | 62.1443% | 4,729 |
| Net loans and leases to deposits | 71.8414% | 5,074 |
| Net loans and leases to core deposits | 71.8414% | 5,733 |
| Total domestic deposits to total assets | 86.5020% | 2,894 |
| Equity capital to assets | 10.8916% | 2,854 |
| Core capital (leverage) ratio | 10.6414% | 2,504 |
| Tier 1 risk-based capital ratio | 14.2203% | 3,523 |
| Total risk-based capital ratio | 15.4749% | 3,494 |
| Memoranda: | ||
| Average total assets | $110,208,500 | 4,865 |
| Average earning assets | $93,080,500 | 5,078 |
| Average equity | $11,822,000 | 4,758 |
| Average total loans | $71,492,500 | 4,802 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3536% | 164 |
| Cost of funding earning assets | 0.6531% | 7,734 |
| Net interest margin | 6.7005% | 60 |
| Noninterest income to average assets | 1.0551% | 1,391 |
| Noninterest expense to average assets | 4.6819% | 662 |
| Loan and lease loss provision to assets | 0.6726% | 3,130 |
| Net operating income to assets | 1.2831% | 1,064 |
| Return on assets (ROA) | 1.2831% | 1,119 |
| Pretax return on assets | 1.2868% | 1,731 |
| Return on Equity (ROE) | 11.8155% | 1,205 |
| Retained earnings to average equity (ytd only) | 4.6238% | 2,019 |
| Net charge-offs to loans | 0.4158% | 4,149 |
| Credit loss provision to net charge-offs | 228.8462% | 1,612 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 2,319 |
| Efficiency ratio | 70.4965% | 4,525 |
| Assets per employee ($millions) | 2.7624% | 6,730 |
| Cash dividends to net income (ytd only)* | 60.8664% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9940% | 2,042 |
| Loan loss allowance to noncurrent loans | 214.6843% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.6797% | 5,755 |
| Noncurrent loans to loans | 0.9288% | 5,455 |
| Net loans and leases to total assets | 65.0316% | 4,368 |
| Net loans and leases to deposits | 75.2030% | 4,852 |
| Net loans and leases to core deposits | 84.2000% | 5,695 |
| Total domestic deposits to total assets | 86.4747% | 2,776 |
| Equity capital to assets | 10.5632% | 3,113 |
| Core capital (leverage) ratio | 10.4759% | 2,634 |
| Tier 1 risk-based capital ratio | 13.2769% | 3,963 |
| Total risk-based capital ratio | 14.5322% | 3,904 |
| Memoranda: | ||
| Average total assets | $106,153,000 | 4,921 |
| Average earning assets | $88,501,400 | 5,170 |
| Average equity | $11,527,200 | 4,869 |
| Average total loans | $75,031,600 | 4,684 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3928% | 168 |
| Cost of funding earning assets | 0.6804% | 7,832 |
| Net interest margin | 6.7124% | 63 |
| Noninterest income to average assets | 1.0926% | 1,333 |
| Noninterest expense to average assets | 4.7258% | 603 |
| Loan and lease loss provision to assets | 0.8578% | 2,233 |
| Net operating income to assets | 1.0875% | 1,778 |
| Return on assets (ROA) | 1.0875% | 1,832 |
| Pretax return on assets | 1.0926% | 2,604 |
| Return on Equity (ROE) | 9.9438% | 1,932 |
| Retained earnings to average equity (ytd only) | 3.9915% | 3,048 |
| Net charge-offs to loans | 0.4400% | 3,485 |
| Credit loss provision to net charge-offs | 271.4859% | 1,561 |
| Earnings coverage of net charge-offs (x) | 6.1727% | 2,653 |
| Efficiency ratio | 70.7850% | 4,458 |
| Assets per employee ($millions) | 2.7391% | 6,759 |
| Cash dividends to net income (ytd only)* | 59.8596% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9930% | 1,819 |
| Loan loss allowance to noncurrent loans | 319.7849% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.4755% | 6,279 |
| Noncurrent loans to loans | 0.6232% | 6,058 |
| Net loans and leases to total assets | 68.4531% | 3,855 |
| Net loans and leases to deposits | 79.2485% | 4,524 |
| Net loans and leases to core deposits | 89.5854% | 5,477 |
| Total domestic deposits to total assets | 86.3777% | 2,491 |
| Equity capital to assets | 10.7746% | 3,225 |
| Core capital (leverage) ratio | 10.6281% | 2,686 |
| Tier 1 risk-based capital ratio | 13.0932% | 4,126 |
| Total risk-based capital ratio | 14.3494% | 4,057 |
| Memoranda: | ||
| Average total assets | $105,067,000 | 4,986 |
| Average earning assets | $87,398,250 | 5,251 |
| Average equity | $11,491,000 | 4,928 |
| Average total loans | $75,459,500 | 4,719 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5021% | 155 |
| Cost of funding earning assets | 0.7024% | 7,918 |
| Net interest margin | 6.7997% | 60 |
| Noninterest income to average assets | 1.0624% | 1,406 |
| Noninterest expense to average assets | 4.5827% | 712 |
| Loan and lease loss provision to assets | 0.3541% | 3,802 |
| Net operating income to assets | 1.7553% | 510 |
| Return on assets (ROA) | 1.7553% | 552 |
| Pretax return on assets | 1.7592% | 914 |
| Return on Equity (ROE) | 15.9691% | 702 |
| Retained earnings to average equity (ytd only) | 10.2920% | 667 |
| Net charge-offs to loans | 0.5070% | 2,807 |
| Credit loss provision to net charge-offs | 96.3542% | 4,728 |
| Earnings coverage of net charge-offs (x) | 5.7500% | 2,768 |
| Efficiency ratio | 68.4391% | 5,082 |
| Assets per employee ($millions) | 2.7266% | 6,783 |
| Cash dividends to net income (ytd only)* | 35.5507% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 3,915 |
| Loan loss allowance to noncurrent loans | 263.2500% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 1.3730% | 4,215 |
| Noncurrent loans to loans | 0.5181% | 6,237 |
| Net loans and leases to total assets | 71.6191% | 3,316 |
| Net loans and leases to deposits | 83.3249% | 3,991 |
| Net loans and leases to core deposits | 94.1164% | 5,101 |
| Total domestic deposits to total assets | 85.9515% | 2,819 |
| Equity capital to assets | 11.0467% | 2,872 |
| Core capital (leverage) ratio | 11.0740% | 2,348 |
| Tier 1 risk-based capital ratio | 12.8907% | 4,218 |
| Total risk-based capital ratio | 14.0911% | 4,174 |
| Memoranda: | ||
| Average total assets | $104,481,000 | 5,030 |
| Average earning assets | $86,563,000 | 5,317 |
| Average equity | $11,484,670 | 4,956 |
| Average total loans | $75,742,000 | 4,746 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3731% | 200 |
| Cost of funding earning assets | 0.7610% | 7,948 |
| Net interest margin | 6.6121% | 67 |
| Noninterest income to average assets | 1.0198% | 1,429 |
| Noninterest expense to average assets | 4.6199% | 643 |
| Loan and lease loss provision to assets | 0.4249% | 2,800 |
| Net operating income to assets | 1.4717% | 995 |
| Return on assets (ROA) | 1.4717% | 1,071 |
| Pretax return on assets | 1.4794% | 1,726 |
| Return on Equity (ROE) | 13.4232% | 1,286 |
| Retained earnings to average equity (ytd only) | 13.4232% | 577 |
| Net charge-offs to loans | 1.0239% | 1,314 |
| Credit loss provision to net charge-offs | 57.2917% | 4,562 |
| Earnings coverage of net charge-offs (x) | 2.5677% | 3,471 |
| Efficiency ratio | 70.8111% | 4,411 |
| Assets per employee ($millions) | 2.8427% | 6,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 4,128 |
| Loan loss allowance to noncurrent loans | 246.9697% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 1.3843% | 3,873 |
| Noncurrent loans to loans | 0.5223% | 6,118 |
| Net loans and leases to total assets | 71.1549% | 3,435 |
| Net loans and leases to deposits | 80.9887% | 4,453 |
| Net loans and leases to core deposits | 92.6226% | 5,296 |
| Total domestic deposits to total assets | 87.8578% | 1,817 |
| Equity capital to assets | 10.9737% | 2,984 |
| Core capital (leverage) ratio | 10.7403% | 2,707 |
| Tier 1 risk-based capital ratio | 12.8822% | 4,268 |
| Total risk-based capital ratio | 14.0186% | 4,256 |
| Memoranda: | ||
| Average total assets | $103,552,000 | 5,082 |
| Average earning assets | $86,205,500 | 5,349 |
| Average equity | $11,353,500 | 5,014 |
| Average total loans | $75,007,000 | 4,805 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4107% | 113 |
| Cost of funding earning assets | 1.1330% | 7,988 |
| Net interest margin | 7.2777% | 50 |
| Noninterest income to average assets | 1.0470% | 1,434 |
| Noninterest expense to average assets | 4.5769% | 828 |
| Loan and lease loss provision to assets | 0.3191% | 3,821 |
| Net operating income to assets | 2.2855% | 201 |
| Return on assets (ROA) | 2.2855% | 198 |
| Pretax return on assets | 2.3253% | 286 |
| Return on Equity (ROE) | 20.4213% | 344 |
| Retained earnings to average equity (ytd only) | 4.3836% | 2,389 |
| Net charge-offs to loans | 0.2536% | 3,740 |
| Credit loss provision to net charge-offs | 160.8040% | 3,210 |
| Earnings coverage of net charge-offs (x) | 13.3266% | 2,139 |
| Efficiency ratio | 63.3803% | 5,694 |
| Assets per employee ($millions) | 2.6135% | 6,980 |
| Cash dividends to net income (ytd only)* | 78.5340% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 3,031 |
| Loan loss allowance to noncurrent loans | 182.4441% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 1.1940% | 3,860 |
| Noncurrent loans to loans | 0.7831% | 5,078 |
| Net loans and leases to total assets | 71.7547% | 3,641 |
| Net loans and leases to deposits | 82.6461% | 4,629 |
| Net loans and leases to core deposits | 94.8586% | 5,370 |
| Total domestic deposits to total assets | 86.8217% | 2,024 |
| Equity capital to assets | 10.9541% | 3,078 |
| Core capital (leverage) ratio | 11.1827% | 2,441 |
| Tier 1 risk-based capital ratio | 12.6782% | 4,305 |
| Total risk-based capital ratio | 13.9307% | 4,221 |
| Memoranda: | ||
| Average total assets | $100,286,200 | 5,038 |
| Average earning assets | $85,082,200 | 5,268 |
| Average equity | $11,223,600 | 5,058 |
| Average total loans | $78,465,600 | 4,570 |