Home > Brazos Valley Bank > Performance and Condition Ratios
Brazos Valley Bank, Performance and Condition Ratios
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7754% | 2,740 |
| Cost of funding earning assets | 0.8815% | 2,826 |
| Net interest margin | 3.8939% | 2,955 |
| Noninterest income to average assets | 0.6605% | 2,864 |
| Noninterest expense to average assets | 6.2387% | 186 |
| Loan and lease loss provision to assets | 0.0363% | 4,928 |
| Net operating income to assets | -2.1195% | 7,164 |
| Return on assets (ROA) | -2.1630% | 7,169 |
| Pretax return on assets | -2.1630% | 7,149 |
| Return on Equity (ROE) | -20.0876% | 7,109 |
| Retained earnings to average equity (ytd only) | -20.0876% | 7,043 |
| Net charge-offs to loans | 0.0225% | 4,367 |
| Credit loss provision to net charge-offs | 250.0000% | 1,138 |
| Earnings coverage of net charge-offs (x) | -143.5000% | 4,724 |
| Efficiency ratio | 150.1310% | 106 |
| Assets per employee ($millions) | 3.7523% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2452% | 653 |
| Loan loss allowance to noncurrent loans | 69.3387% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 4.6344% | 1,147 |
| Noncurrent loans to loans | 4.6802% | 1,220 |
| Net loans and leases to total assets | 60.9083% | 3,466 |
| Net loans and leases to deposits | 68.7588% | 3,916 |
| Net loans and leases to core deposits | 71.3849% | 4,240 |
| Total domestic deposits to total assets | 88.5826% | 1,964 |
| Equity capital to assets | 10.6510% | 3,322 |
| Core capital (leverage) ratio | 10.4990% | 2,751 |
| Tier 1 risk-based capital ratio | 16.2290% | 3,056 |
| Total risk-based capital ratio | 17.5157% | 2,995 |
| Memoranda: | ||
| Average total assets | $110,216,000 | 4,703 |
| Average earning assets | $98,923,500 | 4,718 |
| Average equity | $11,868,000 | 4,641 |
| Average total loans | $71,081,500 | 4,414 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2838% | 1,756 |
| Cost of funding earning assets | 1.1089% | 2,612 |
| Net interest margin | 4.1749% | 2,137 |
| Noninterest income to average assets | 0.6243% | 3,046 |
| Noninterest expense to average assets | 4.1951% | 813 |
| Loan and lease loss provision to assets | 0.0798% | 5,618 |
| Net operating income to assets | 0.1294% | 5,795 |
| Return on assets (ROA) | 0.1109% | 5,966 |
| Pretax return on assets | 0.1109% | 5,954 |
| Return on Equity (ROE) | 1.1049% | 5,940 |
| Retained earnings to average equity (ytd only) | 1.1049% | 5,338 |
| Net charge-offs to loans | 0.4801% | 3,073 |
| Credit loss provision to net charge-offs | 23.8693% | 5,866 |
| Earnings coverage of net charge-offs (x) | 0.6256% | 5,355 |
| Efficiency ratio | 95.2499% | 857 |
| Assets per employee ($millions) | 3.8488% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0097% | 806 |
| Loan loss allowance to noncurrent loans | 55.7035% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 5.0772% | 1,047 |
| Noncurrent loans to loans | 5.4031% | 991 |
| Net loans and leases to total assets | 64.0096% | 3,192 |
| Net loans and leases to deposits | 72.3912% | 3,745 |
| Net loans and leases to core deposits | 75.4762% | 4,046 |
| Total domestic deposits to total assets | 88.4219% | 1,897 |
| Equity capital to assets | 10.8820% | 3,103 |
| Core capital (leverage) ratio | 10.5681% | 2,644 |
| Tier 1 risk-based capital ratio | 16.1929% | 2,957 |
| Total risk-based capital ratio | 17.4778% | 2,911 |
| Memoranda: | ||
| Average total assets | $119,018,800 | 4,428 |
| Average earning assets | $107,763,200 | 4,454 |
| Average equity | $11,947,200 | 4,565 |
| Average total loans | $82,900,200 | 4,055 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3641% | 1,634 |
| Cost of funding earning assets | 1.1574% | 2,585 |
| Net interest margin | 4.2066% | 2,072 |
| Noninterest income to average assets | 0.6244% | 3,031 |
| Noninterest expense to average assets | 4.1851% | 811 |
| Loan and lease loss provision to assets | 0.0772% | 5,479 |
| Net operating income to assets | 0.1787% | 5,759 |
| Return on assets (ROA) | 0.1610% | 5,922 |
| Pretax return on assets | 0.1610% | 5,974 |
| Return on Equity (ROE) | 1.6361% | 5,893 |
| Retained earnings to average equity (ytd only) | 1.6361% | 5,323 |
| Net charge-offs to loans | 0.3302% | 3,442 |
| Credit loss provision to net charge-offs | 33.1754% | 5,370 |
| Earnings coverage of net charge-offs (x) | 1.0995% | 4,807 |
| Efficiency ratio | 94.2375% | 905 |
| Assets per employee ($millions) | 4.0498% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0339% | 841 |
| Loan loss allowance to noncurrent loans | 77.9744% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 4.1784% | 1,463 |
| Noncurrent loans to loans | 3.8909% | 1,716 |
| Net loans and leases to total assets | 67.0535% | 2,665 |
| Net loans and leases to deposits | 75.6866% | 3,374 |
| Net loans and leases to core deposits | 79.4828% | 3,710 |
| Total domestic deposits to total assets | 88.5937% | 1,696 |
| Equity capital to assets | 10.7326% | 3,438 |
| Core capital (leverage) ratio | 10.2725% | 3,108 |
| Tier 1 risk-based capital ratio | 15.3390% | 3,466 |
| Total risk-based capital ratio | 16.6226% | 3,420 |
| Memoranda: | ||
| Average total assets | $120,869,500 | 4,397 |
| Average earning assets | $109,665,500 | 4,427 |
| Average equity | $11,897,500 | 4,593 |
| Average total loans | $85,209,750 | 4,026 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3882% | 1,600 |
| Cost of funding earning assets | 1.1810% | 2,703 |
| Net interest margin | 4.2073% | 2,007 |
| Noninterest income to average assets | 0.6274% | 2,962 |
| Noninterest expense to average assets | 4.1942% | 837 |
| Loan and lease loss provision to assets | 0.1135% | 4,874 |
| Net operating income to assets | 0.1492% | 5,887 |
| Return on assets (ROA) | 0.1508% | 5,976 |
| Pretax return on assets | 0.1508% | 6,018 |
| Return on Equity (ROE) | 1.5754% | 5,916 |
| Retained earnings to average equity (ytd only) | 1.5754% | 5,195 |
| Net charge-offs to loans | -0.1052% | 7,176 |
| Credit loss provision to net charge-offs | -152.1739% | 6,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1069% | 971 |
| Assets per employee ($millions) | 4.0942% | 3,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1706% | 782 |
| Loan loss allowance to noncurrent loans | 62.0966% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 3.9922% | 1,608 |
| Noncurrent loans to loans | 5.1058% | 1,270 |
| Net loans and leases to total assets | 67.8025% | 2,659 |
| Net loans and leases to deposits | 76.2471% | 3,419 |
| Net loans and leases to core deposits | 79.0324% | 3,927 |
| Total domestic deposits to total assets | 88.9247% | 1,579 |
| Equity capital to assets | 10.0899% | 4,031 |
| Core capital (leverage) ratio | 9.7860% | 3,539 |
| Tier 1 risk-based capital ratio | 14.7082% | 3,668 |
| Total risk-based capital ratio | 15.9948% | 3,618 |
| Memoranda: | ||
| Average total assets | $123,361,670 | 4,358 |
| Average earning assets | $112,282,000 | 4,374 |
| Average equity | $11,806,670 | 4,608 |
| Average total loans | $87,475,330 | 4,000 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5019% | 1,292 |
| Cost of funding earning assets | 1.2032% | 2,792 |
| Net interest margin | 4.2987% | 1,566 |
| Noninterest income to average assets | 0.6334% | 2,942 |
| Noninterest expense to average assets | 4.0549% | 972 |
| Loan and lease loss provision to assets | 0.1591% | 4,037 |
| Net operating income to assets | 0.3310% | 5,265 |
| Return on assets (ROA) | 0.3310% | 5,343 |
| Pretax return on assets | 0.3310% | 5,559 |
| Return on Equity (ROE) | 3.5495% | 5,124 |
| Retained earnings to average equity (ytd only) | 3.5495% | 4,058 |
| Net charge-offs to loans | 0.7318% | 1,755 |
| Credit loss provision to net charge-offs | 30.4878% | 4,110 |
| Earnings coverage of net charge-offs (x) | 0.9390% | 3,948 |
| Efficiency ratio | 89.2157% | 1,397 |
| Assets per employee ($millions) | 3.8525% | 4,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7445% | 1,161 |
| Loan loss allowance to noncurrent loans | 84.4803% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 2.8431% | 2,425 |
| Noncurrent loans to loans | 3.2487% | 2,314 |
| Net loans and leases to total assets | 69.1599% | 2,294 |
| Net loans and leases to deposits | 77.2866% | 3,193 |
| Net loans and leases to core deposits | 79.9364% | 3,769 |
| Total domestic deposits to total assets | 89.4850% | 1,490 |
| Equity capital to assets | 9.5903% | 4,322 |
| Core capital (leverage) ratio | 9.5456% | 3,736 |
| Tier 1 risk-based capital ratio | 14.0542% | 4,037 |
| Total risk-based capital ratio | 15.3342% | 3,993 |
| Memoranda: | ||
| Average total assets | $125,676,000 | 4,344 |
| Average earning assets | $114,359,500 | 4,346 |
| Average equity | $11,720,000 | 4,620 |
| Average total loans | $89,643,000 | 3,985 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1217% | 674 |
| Cost of funding earning assets | 1.5394% | 2,412 |
| Net interest margin | 4.5823% | 1,044 |
| Noninterest income to average assets | 0.5919% | 3,531 |
| Noninterest expense to average assets | 3.8107% | 1,469 |
| Loan and lease loss provision to assets | 1.0456% | 1,542 |
| Net operating income to assets | -0.0889% | 5,976 |
| Return on assets (ROA) | -0.1391% | 6,093 |
| Pretax return on assets | -0.1391% | 6,032 |
| Return on Equity (ROE) | -1.7816% | 6,147 |
| Retained earnings to average equity (ytd only) | -1.7816% | 5,931 |
| Net charge-offs to loans | 1.0897% | 2,044 |
| Credit loss provision to net charge-offs | 121.0202% | 3,479 |
| Earnings coverage of net charge-offs (x) | 1.1073% | 5,005 |
| Efficiency ratio | 79.9331% | 2,427 |
| Assets per employee ($millions) | 3.8809% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7505% | 1,110 |
| Loan loss allowance to noncurrent loans | 103.8747% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 2.9507% | 2,384 |
| Noncurrent loans to loans | 2.6479% | 2,874 |
| Net loans and leases to total assets | 69.5700% | 2,640 |
| Net loans and leases to deposits | 77.3268% | 3,617 |
| Net loans and leases to core deposits | 80.2455% | 4,174 |
| Total domestic deposits to total assets | 89.9688% | 1,121 |
| Equity capital to assets | 9.0707% | 5,045 |
| Core capital (leverage) ratio | 9.2119% | 4,151 |
| Tier 1 risk-based capital ratio | 13.1338% | 4,500 |
| Total risk-based capital ratio | 14.4136% | 4,433 |
| Memoranda: | ||
| Average total assets | $131,601,600 | 4,225 |
| Average earning assets | $119,917,600 | 4,229 |
| Average equity | $10,271,400 | 5,052 |
| Average total loans | $104,339,800 | 3,672 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2388% | 575 |
| Cost of funding earning assets | 1.6077% | 2,344 |
| Net interest margin | 4.6311% | 976 |
| Noninterest income to average assets | 0.5545% | 3,760 |
| Noninterest expense to average assets | 3.6975% | 1,570 |
| Loan and lease loss provision to assets | 1.2107% | 1,176 |
| Net operating income to assets | -0.1328% | 6,223 |
| Return on assets (ROA) | -0.1993% | 6,384 |
| Pretax return on assets | -0.1993% | 6,319 |
| Return on Equity (ROE) | -2.6572% | 6,467 |
| Retained earnings to average equity (ytd only) | -2.6572% | 6,308 |
| Net charge-offs to loans | 0.3807% | 3,770 |
| Credit loss provision to net charge-offs | 391.8567% | 779 |
| Earnings coverage of net charge-offs (x) | 3.4886% | 3,425 |
| Efficiency ratio | 77.4289% | 2,704 |
| Assets per employee ($millions) | 3.7572% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2235% | 685 |
| Loan loss allowance to noncurrent loans | 126.9277% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 3.0185% | 2,405 |
| Noncurrent loans to loans | 2.5396% | 3,082 |
| Net loans and leases to total assets | 74.6638% | 1,646 |
| Net loans and leases to deposits | 82.9168% | 2,927 |
| Net loans and leases to core deposits | 85.8081% | 3,683 |
| Total domestic deposits to total assets | 90.0467% | 854 |
| Equity capital to assets | 8.9451% | 5,652 |
| Core capital (leverage) ratio | 8.5097% | 5,485 |
| Tier 1 risk-based capital ratio | 11.9216% | 5,534 |
| Total risk-based capital ratio | 13.2062% | 5,473 |
| Memoranda: | ||
| Average total assets | $132,484,250 | 4,265 |
| Average earning assets | $120,746,500 | 4,270 |
| Average equity | $9,935,000 | 5,218 |
| Average total loans | $107,520,000 | 3,649 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2715% | 539 |
| Cost of funding earning assets | 1.6167% | 2,564 |
| Net interest margin | 4.6548% | 887 |
| Noninterest income to average assets | 0.6594% | 2,960 |
| Noninterest expense to average assets | 3.7505% | 1,451 |
| Loan and lease loss provision to assets | 1.6708% | 764 |
| Net operating income to assets | -0.4968% | 6,647 |
| Return on assets (ROA) | -0.4968% | 6,686 |
| Pretax return on assets | -0.4968% | 6,583 |
| Return on Equity (ROE) | -7.0568% | 6,838 |
| Retained earnings to average equity (ytd only) | -7.0568% | 6,743 |
| Net charge-offs to loans | 0.3674% | 3,520 |
| Credit loss provision to net charge-offs | 551.7241% | 668 |
| Earnings coverage of net charge-offs (x) | 3.8768% | 3,145 |
| Efficiency ratio | 76.1587% | 3,046 |
| Assets per employee ($millions) | 3.9390% | 3,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0440% | 792 |
| Loan loss allowance to noncurrent loans | 73.9704% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 3.7552% | 1,862 |
| Noncurrent loans to loans | 4.1151% | 1,821 |
| Net loans and leases to total assets | 73.8626% | 1,937 |
| Net loans and leases to deposits | 80.2987% | 3,549 |
| Net loans and leases to core deposits | 82.9910% | 4,277 |
| Total domestic deposits to total assets | 91.9849% | 221 |
| Equity capital to assets | 6.7458% | 7,426 |
| Core capital (leverage) ratio | 6.9849% | 7,202 |
| Tier 1 risk-based capital ratio | 9.2949% | 7,337 |
| Total risk-based capital ratio | 10.5767% | 7,325 |
| Memoranda: | ||
| Average total assets | $134,063,670 | 4,259 |
| Average earning assets | $122,840,670 | 4,249 |
| Average equity | $9,437,670 | 5,359 |
| Average total loans | $110,507,670 | 3,617 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5970% | 311 |
| Cost of funding earning assets | 1.6616% | 2,589 |
| Net interest margin | 4.9353% | 479 |
| Noninterest income to average assets | 0.6961% | 2,624 |
| Noninterest expense to average assets | 3.9587% | 1,088 |
| Loan and lease loss provision to assets | 1.0896% | 1,129 |
| Net operating income to assets | 0.1695% | 5,790 |
| Return on assets (ROA) | 0.1695% | 5,914 |
| Pretax return on assets | 0.1695% | 5,970 |
| Return on Equity (ROE) | 2.3563% | 5,610 |
| Retained earnings to average equity (ytd only) | 2.3563% | 4,729 |
| Net charge-offs to loans | 0.2649% | 3,348 |
| Credit loss provision to net charge-offs | 480.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 5.5467% | 2,377 |
| Efficiency ratio | 75.8701% | 3,240 |
| Assets per employee ($millions) | 3.7648% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2794% | 1,611 |
| Loan loss allowance to noncurrent loans | 664.7668% | 484 |
| Noncurrent assets plus other real estate owned to assets | 1.3082% | 4,579 |
| Noncurrent loans to loans | 0.3429% | 6,617 |
| Net loans and leases to total assets | 81.1689% | 690 |
| Net loans and leases to deposits | 88.5998% | 2,112 |
| Net loans and leases to core deposits | 92.5604% | 3,039 |
| Total domestic deposits to total assets | 91.6130% | 342 |
| Equity capital to assets | 7.0397% | 7,350 |
| Core capital (leverage) ratio | 7.4337% | 6,908 |
| Tier 1 risk-based capital ratio | 8.9907% | 7,477 |
| Total risk-based capital ratio | 10.2616% | 7,482 |
| Memoranda: | ||
| Average total assets | $132,163,500 | 4,357 |
| Average earning assets | $121,086,000 | 4,347 |
| Average equity | $9,506,500 | 5,379 |
| Average total loans | $113,248,000 | 3,615 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6670% | 502 |
| Cost of funding earning assets | 2.3700% | 1,390 |
| Net interest margin | 4.2970% | 1,730 |
| Noninterest income to average assets | 0.7963% | 2,420 |
| Noninterest expense to average assets | 4.0018% | 1,362 |
| Loan and lease loss provision to assets | 1.1246% | 2,033 |
| Net operating income to assets | -0.4059% | 6,085 |
| Return on assets (ROA) | -0.2569% | 5,910 |
| Pretax return on assets | -0.2367% | 5,745 |
| Return on Equity (ROE) | -3.4494% | 6,049 |
| Retained earnings to average equity (ytd only) | -3.4494% | 5,781 |
| Net charge-offs to loans | 0.1885% | 5,473 |
| Credit loss provision to net charge-offs | 717.3267% | 404 |
| Earnings coverage of net charge-offs (x) | 4.7129% | 2,842 |
| Efficiency ratio | 84.4139% | 2,300 |
| Assets per employee ($millions) | 3.4810% | 5,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0023% | 2,021 |
| Loan loss allowance to noncurrent loans | 3,932.7586% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.7159% | 5,681 |
| Noncurrent loans to loans | 0.0509% | 7,302 |
| Net loans and leases to total assets | 86.6797% | 235 |
| Net loans and leases to deposits | 96.5594% | 1,263 |
| Net loans and leases to core deposits | 133.1171% | 1,105 |
| Total domestic deposits to total assets | 89.7683% | 1,070 |
| Equity capital to assets | 7.3543% | 7,159 |
| Core capital (leverage) ratio | 7.1902% | 7,082 |
| Tier 1 risk-based capital ratio | 8.8793% | 7,515 |
| Total risk-based capital ratio | 10.1474% | 7,531 |
| Memoranda: | ||
| Average total assets | $128,841,000 | 4,360 |
| Average earning assets | $118,269,800 | 4,351 |
| Average equity | $9,596,000 | 5,416 |
| Average total loans | $107,171,000 | 3,755 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5519% | 674 |
| Cost of funding earning assets | 2.4891% | 1,335 |
| Net interest margin | 4.0628% | 2,539 |
| Noninterest income to average assets | 0.7905% | 2,482 |
| Noninterest expense to average assets | 3.9900% | 1,287 |
| Loan and lease loss provision to assets | 0.4739% | 3,538 |
| Net operating income to assets | 0.0486% | 5,609 |
| Return on assets (ROA) | 0.1800% | 5,288 |
| Pretax return on assets | 0.2070% | 5,284 |
| Return on Equity (ROE) | 2.4098% | 5,021 |
| Retained earnings to average equity (ytd only) | 2.4098% | 3,972 |
| Net charge-offs to loans | 0.2300% | 4,621 |
| Credit loss provision to net charge-offs | 251.6484% | 1,707 |
| Earnings coverage of net charge-offs (x) | 2.8132% | 3,811 |
| Efficiency ratio | 88.2784% | 1,843 |
| Assets per employee ($millions) | 3.7055% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 5,413 |
| Loan loss allowance to noncurrent loans | 319.5122% | 959 |
| Noncurrent assets plus other real estate owned to assets | 1.0333% | 5,010 |
| Noncurrent loans to loans | 0.3601% | 6,629 |
| Net loans and leases to total assets | 79.9375% | 1,182 |
| Net loans and leases to deposits | 87.8846% | 2,983 |
| Net loans and leases to core deposits | 125.0389% | 1,809 |
| Total domestic deposits to total assets | 90.9573% | 435 |
| Equity capital to assets | 7.0386% | 7,574 |
| Core capital (leverage) ratio | 7.5423% | 6,927 |
| Tier 1 risk-based capital ratio | 8.8959% | 7,656 |
| Total risk-based capital ratio | 10.0528% | 7,709 |
| Memoranda: | ||
| Average total assets | $128,852,250 | 4,393 |
| Average earning assets | $118,274,000 | 4,376 |
| Average equity | $9,627,000 | 5,447 |
| Average total loans | $105,483,500 | 3,836 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5594% | 715 |
| Cost of funding earning assets | 2.6357% | 1,195 |
| Net interest margin | 3.9238% | 3,001 |
| Noninterest income to average assets | 0.7977% | 2,425 |
| Noninterest expense to average assets | 4.0860% | 1,206 |
| Loan and lease loss provision to assets | 0.1890% | 5,146 |
| Net operating income to assets | 0.0738% | 5,636 |
| Return on assets (ROA) | 0.2258% | 5,259 |
| Pretax return on assets | 0.3476% | 5,075 |
| Return on Equity (ROE) | 2.9584% | 4,919 |
| Retained earnings to average equity (ytd only) | 2.9584% | 3,678 |
| Net charge-offs to loans | -0.1227% | 7,978 |
| Credit loss provision to net charge-offs | -187.3016% | 6,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1022% | 1,561 |
| Assets per employee ($millions) | 3.1789% | 5,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 5,438 |
| Loan loss allowance to noncurrent loans | 166.0300% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 1.3975% | 4,163 |
| Noncurrent loans to loans | 0.6766% | 5,895 |
| Net loans and leases to total assets | 84.2398% | 601 |
| Net loans and leases to deposits | 94.9997% | 1,955 |
| Net loans and leases to core deposits | 132.6268% | 1,395 |
| Total domestic deposits to total assets | 88.6738% | 1,450 |
| Equity capital to assets | 7.6261% | 7,155 |
| Core capital (leverage) ratio | 7.9347% | 6,437 |
| Tier 1 risk-based capital ratio | 9.4170% | 7,462 |
| Total risk-based capital ratio | 10.5586% | 7,517 |
| Memoranda: | ||
| Average total assets | $124,866,330 | 4,512 |
| Average earning assets | $114,278,000 | 4,508 |
| Average equity | $9,532,330 | 5,504 |
| Average total loans | $102,688,000 | 3,943 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5504% | 784 |
| Cost of funding earning assets | 2.8229% | 927 |
| Net interest margin | 3.7274% | 3,770 |
| Noninterest income to average assets | 0.7953% | 2,354 |
| Noninterest expense to average assets | 4.0025% | 1,184 |
| Loan and lease loss provision to assets | 0.1229% | 5,392 |
| Net operating income to assets | 0.0521% | 6,122 |
| Return on assets (ROA) | 0.3589% | 5,210 |
| Pretax return on assets | 0.5529% | 4,904 |
| Return on Equity (ROE) | 4.6984% | 4,610 |
| Retained earnings to average equity (ytd only) | 4.6984% | 3,305 |
| Net charge-offs to loans | -0.2523% | 8,043 |
| Credit loss provision to net charge-offs | -60.3175% | 6,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1576% | 1,370 |
| Assets per employee ($millions) | 2.9952% | 6,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 5,191 |
| Loan loss allowance to noncurrent loans | 185.9247% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 1.3591% | 3,944 |
| Noncurrent loans to loans | 0.6127% | 5,867 |
| Net loans and leases to total assets | 80.2751% | 1,330 |
| Net loans and leases to deposits | 89.0178% | 3,101 |
| Net loans and leases to core deposits | 130.1073% | 1,652 |
| Total domestic deposits to total assets | 90.1787% | 719 |
| Equity capital to assets | 7.6203% | 7,247 |
| Core capital (leverage) ratio | 7.7878% | 6,766 |
| Tier 1 risk-based capital ratio | 9.9033% | 7,037 |
| Total risk-based capital ratio | 11.0417% | 7,054 |
| Memoranda: | ||
| Average total assets | $123,721,500 | 4,550 |
| Average earning assets | $113,215,000 | 4,554 |
| Average equity | $9,450,000 | 5,552 |
| Average total loans | $99,865,500 | 4,033 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0959% | 927 |
| Cost of funding earning assets | 3.2142% | 1,149 |
| Net interest margin | 3.8817% | 3,652 |
| Noninterest income to average assets | 0.7427% | 2,825 |
| Noninterest expense to average assets | 4.5452% | 849 |
| Loan and lease loss provision to assets | 0.3271% | 3,770 |
| Net operating income to assets | -0.3869% | 6,806 |
| Return on assets (ROA) | -0.3846% | 6,686 |
| Pretax return on assets | -0.6145% | 6,749 |
| Return on Equity (ROE) | -4.9425% | 6,857 |
| Retained earnings to average equity (ytd only) | -4.9425% | 6,503 |
| Net charge-offs to loans | 0.1893% | 4,290 |
| Credit loss provision to net charge-offs | 225.6098% | 2,108 |
| Earnings coverage of net charge-offs (x) | -2.0061% | 6,705 |
| Efficiency ratio | 106.8371% | 790 |
| Assets per employee ($millions) | 3.0400% | 5,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 5,747 |
| Loan loss allowance to noncurrent loans | 169.3944% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 1.3391% | 3,540 |
| Noncurrent loans to loans | 0.6109% | 5,540 |
| Net loans and leases to total assets | 79.4125% | 1,797 |
| Net loans and leases to deposits | 91.5929% | 3,201 |
| Net loans and leases to core deposits | 133.0810% | 1,649 |
| Total domestic deposits to total assets | 86.7016% | 2,091 |
| Equity capital to assets | 7.6557% | 7,250 |
| Core capital (leverage) ratio | 7.8369% | 6,743 |
| Tier 1 risk-based capital ratio | 9.2417% | 7,580 |
| Total risk-based capital ratio | 10.2343% | 7,789 |
| Memoranda: | ||
| Average total assets | $113,107,200 | 4,692 |
| Average earning assets | $102,326,200 | 4,735 |
| Average equity | $8,801,200 | 5,808 |
| Average total loans | $86,640,000 | 4,316 |