Home > Capital West Bank > Performance and Condition Ratios
Capital West Bank, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3491% | 2,426 |
| Cost of funding earning assets | 0.2489% | 5,421 |
| Net interest margin | 4.1002% | 1,574 |
| Noninterest income to average assets | 0.4829% | 3,663 |
| Noninterest expense to average assets | 3.6509% | 1,210 |
| Loan and lease loss provision to assets | -0.3565% | 6,494 |
| Net operating income to assets | 0.7916% | 3,460 |
| Return on assets (ROA) | 0.8872% | 3,077 |
| Pretax return on assets | 0.8872% | 4,043 |
| Return on Equity (ROE) | 7.3392% | 3,536 |
| Retained earnings to average equity (ytd only) | -1.7829% | 6,049 |
| Net charge-offs to loans | 0.0615% | 3,328 |
| Credit loss provision to net charge-offs | -897.9592% | 5,858 |
| Earnings coverage of net charge-offs (x) | 10.9594% | 2,482 |
| Efficiency ratio | 89.3516% | 886 |
| Assets per employee ($millions) | 5.5911% | 1,648 |
| Cash dividends to net income (ytd only)* | 124.2924% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 3,192 |
| Loan loss allowance to noncurrent loans | 551.4925% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 5,530 |
| Noncurrent loans to loans | 0.2533% | 5,148 |
| Net loans and leases to total assets | 64.3304% | 3,137 |
| Net loans and leases to deposits | 74.2138% | 3,409 |
| Net loans and leases to core deposits | 82.8845% | 3,016 |
| Total domestic deposits to total assets | 86.6826% | 2,486 |
| Equity capital to assets | 12.3423% | 1,802 |
| Core capital (leverage) ratio | 11.8501% | 1,796 |
| Tier 1 risk-based capital ratio | 16.5850% | 2,779 |
| Total risk-based capital ratio | 17.8366% | 2,734 |
| Memoranda: | ||
| Average total assets | $164,558,750 | 3,446 |
| Average earning assets | $144,608,250 | 3,562 |
| Average equity | $19,892,500 | 3,182 |
| Average total loans | $106,159,500 | 3,328 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 2,430 |
| Cost of funding earning assets | 0.2551% | 5,436 |
| Net interest margin | 4.0847% | 1,560 |
| Noninterest income to average assets | 0.4197% | 4,099 |
| Noninterest expense to average assets | 3.5134% | 1,451 |
| Loan and lease loss provision to assets | -0.5322% | 6,598 |
| Net operating income to assets | 1.0014% | 2,317 |
| Return on assets (ROA) | 1.1441% | 1,861 |
| Pretax return on assets | 1.1441% | 2,908 |
| Return on Equity (ROE) | 9.5302% | 2,364 |
| Retained earnings to average equity (ytd only) | -0.1511% | 5,712 |
| Net charge-offs to loans | 0.1091% | 2,575 |
| Credit loss provision to net charge-offs | -758.6207% | 5,673 |
| Earnings coverage of net charge-offs (x) | 6.6897% | 2,738 |
| Efficiency ratio | 88.2174% | 1,065 |
| Assets per employee ($millions) | 3.6828% | 4,481 |
| Cash dividends to net income (ytd only)* | 101.5856% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 3,352 |
| Loan loss allowance to noncurrent loans | 510.0694% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 5,062 |
| Noncurrent loans to loans | 0.2743% | 5,195 |
| Net loans and leases to total assets | 63.8783% | 3,087 |
| Net loans and leases to deposits | 73.7505% | 3,351 |
| Net loans and leases to core deposits | 82.1777% | 2,952 |
| Total domestic deposits to total assets | 86.6141% | 2,689 |
| Equity capital to assets | 12.5367% | 1,620 |
| Core capital (leverage) ratio | 12.0028% | 1,648 |
| Tier 1 risk-based capital ratio | 16.8543% | 2,683 |
| Total risk-based capital ratio | 18.1066% | 2,650 |
| Memoranda: | ||
| Average total assets | $165,364,670 | 3,452 |
| Average earning assets | $144,247,330 | 3,592 |
| Average equity | $19,852,670 | 3,185 |
| Average total loans | $106,284,670 | 3,329 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2820% | 2,586 |
| Cost of funding earning assets | 0.2459% | 5,625 |
| Net interest margin | 4.0360% | 1,641 |
| Noninterest income to average assets | 0.4909% | 3,485 |
| Noninterest expense to average assets | 3.6378% | 1,237 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3904% | 5,153 |
| Return on assets (ROA) | 0.6730% | 3,911 |
| Pretax return on assets | 0.6730% | 4,582 |
| Return on Equity (ROE) | 5.7284% | 4,164 |
| Retained earnings to average equity (ytd only) | -8.0320% | 6,284 |
| Net charge-offs to loans | 0.2207% | 1,441 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.7627% | 2,806 |
| Efficiency ratio | 90.3092% | 1,007 |
| Assets per employee ($millions) | 3.5458% | 4,838 |
| Cash dividends to net income (ytd only)* | 240.2135% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7610% | 2,150 |
| Loan loss allowance to noncurrent loans | 611.5385% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 5,007 |
| Noncurrent loans to loans | 0.2880% | 5,252 |
| Net loans and leases to total assets | 63.8688% | 2,913 |
| Net loans and leases to deposits | 72.9792% | 3,207 |
| Net loans and leases to core deposits | 81.9731% | 2,737 |
| Total domestic deposits to total assets | 87.5164% | 2,500 |
| Equity capital to assets | 11.7317% | 2,076 |
| Core capital (leverage) ratio | 11.5313% | 1,942 |
| Tier 1 risk-based capital ratio | 15.7902% | 3,275 |
| Total risk-based capital ratio | 17.0242% | 3,250 |
| Memoranda: | ||
| Average total assets | $167,025,000 | 3,445 |
| Average earning assets | $146,381,000 | 3,582 |
| Average equity | $19,621,500 | 3,212 |
| Average total loans | $106,937,000 | 3,320 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2515% | 3,147 |
| Cost of funding earning assets | 0.2466% | 5,986 |
| Net interest margin | 4.0049% | 1,935 |
| Noninterest income to average assets | 0.6683% | 2,715 |
| Noninterest expense to average assets | 3.9535% | 917 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1720% | 5,886 |
| Return on assets (ROA) | 0.1987% | 5,891 |
| Pretax return on assets | 0.1987% | 5,937 |
| Return on Equity (ROE) | 1.6697% | 5,939 |
| Retained earnings to average equity (ytd only) | 0.0399% | 5,828 |
| Net charge-offs to loans | -0.0066% | 5,961 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8315% | 653 |
| Assets per employee ($millions) | 3.2823% | 5,320 |
| Cash dividends to net income (ytd only)* | 97.6119% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8640% | 1,874 |
| Loan loss allowance to noncurrent loans | 535.9673% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.5305% | 4,647 |
| Noncurrent loans to loans | 0.3478% | 5,143 |
| Net loans and leases to total assets | 61.8648% | 3,387 |
| Net loans and leases to deposits | 70.7688% | 3,684 |
| Net loans and leases to core deposits | 78.6968% | 3,277 |
| Total domestic deposits to total assets | 87.4181% | 2,515 |
| Equity capital to assets | 11.7635% | 1,974 |
| Core capital (leverage) ratio | 11.2988% | 2,121 |
| Tier 1 risk-based capital ratio | 16.5373% | 2,837 |
| Total risk-based capital ratio | 17.7929% | 2,806 |
| Memoranda: | ||
| Average total assets | $168,637,200 | 3,432 |
| Average earning assets | $145,573,400 | 3,578 |
| Average equity | $20,063,000 | 3,147 |
| Average total loans | $105,908,600 | 3,328 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2635% | 3,147 |
| Cost of funding earning assets | 0.2424% | 6,137 |
| Net interest margin | 4.0211% | 1,873 |
| Noninterest income to average assets | 0.7134% | 2,541 |
| Noninterest expense to average assets | 4.0130% | 842 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1570% | 6,026 |
| Return on assets (ROA) | 0.1926% | 6,006 |
| Pretax return on assets | 0.1926% | 6,051 |
| Return on Equity (ROE) | 1.6141% | 6,043 |
| Retained earnings to average equity (ytd only) | -0.5490% | 6,053 |
| Net charge-offs to loans | -0.0013% | 5,661 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2339% | 611 |
| Assets per employee ($millions) | 3.1137% | 5,653 |
| Cash dividends to net income (ytd only)* | 134.0147% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8348% | 2,194 |
| Loan loss allowance to noncurrent loans | 285.8601% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.5139% | 4,906 |
| Noncurrent loans to loans | 0.6419% | 4,591 |
| Net loans and leases to total assets | 61.2635% | 3,481 |
| Net loans and leases to deposits | 70.0671% | 3,780 |
| Net loans and leases to core deposits | 77.2826% | 3,462 |
| Total domestic deposits to total assets | 87.4355% | 2,447 |
| Equity capital to assets | 11.5403% | 2,276 |
| Core capital (leverage) ratio | 11.6662% | 1,904 |
| Tier 1 risk-based capital ratio | 17.3117% | 2,578 |
| Total risk-based capital ratio | 18.5688% | 2,546 |
| Memoranda: | ||
| Average total assets | $168,946,750 | 3,467 |
| Average earning assets | $145,230,750 | 3,619 |
| Average equity | $20,155,750 | 3,173 |
| Average total loans | $106,003,750 | 3,345 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2135% | 3,308 |
| Cost of funding earning assets | 0.2331% | 6,286 |
| Net interest margin | 3.9804% | 1,930 |
| Noninterest income to average assets | 0.7540% | 2,396 |
| Noninterest expense to average assets | 4.1206% | 760 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0856% | 6,162 |
| Return on assets (ROA) | 0.1391% | 6,151 |
| Pretax return on assets | 0.1391% | 6,175 |
| Return on Equity (ROE) | 1.1535% | 6,177 |
| Retained earnings to average equity (ytd only) | -0.9957% | 6,053 |
| Net charge-offs to loans | -0.0019% | 5,527 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9644% | 567 |
| Assets per employee ($millions) | 3.0616% | 5,744 |
| Cash dividends to net income (ytd only)* | 186.3248% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7838% | 2,489 |
| Loan loss allowance to noncurrent loans | 279.7432% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 4,906 |
| Noncurrent loans to loans | 0.6376% | 4,665 |
| Net loans and leases to total assets | 65.3111% | 2,711 |
| Net loans and leases to deposits | 76.3241% | 2,835 |
| Net loans and leases to core deposits | 84.1189% | 2,549 |
| Total domestic deposits to total assets | 85.5708% | 3,598 |
| Equity capital to assets | 12.0091% | 1,909 |
| Core capital (leverage) ratio | 11.9985% | 1,612 |
| Tier 1 risk-based capital ratio | 16.2533% | 3,070 |
| Total risk-based capital ratio | 17.5088% | 3,011 |
| Memoranda: | ||
| Average total assets | $168,178,330 | 3,494 |
| Average earning assets | $145,864,670 | 3,632 |
| Average equity | $20,286,670 | 3,180 |
| Average total loans | $105,713,000 | 3,366 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0886% | 3,770 |
| Cost of funding earning assets | 0.2354% | 6,377 |
| Net interest margin | 3.8532% | 2,272 |
| Noninterest income to average assets | 0.5519% | 3,430 |
| Noninterest expense to average assets | 4.0683% | 823 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1957% | 6,514 |
| Return on assets (ROA) | -0.1863% | 6,549 |
| Pretax return on assets | -0.1863% | 6,539 |
| Return on Equity (ROE) | -1.5412% | 6,538 |
| Retained earnings to average equity (ytd only) | -3.7458% | 6,257 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0548% | 419 |
| Assets per employee ($millions) | 3.2213% | 5,587 |
| Cash dividends to net income (ytd only)* | -143.0380% | 6,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8349% | 2,503 |
| Loan loss allowance to noncurrent loans | 198.7830% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.7158% | 4,586 |
| Noncurrent loans to loans | 0.9231% | 4,288 |
| Net loans and leases to total assets | 62.5974% | 2,953 |
| Net loans and leases to deposits | 71.9195% | 3,190 |
| Net loans and leases to core deposits | 78.9702% | 2,933 |
| Total domestic deposits to total assets | 87.0382% | 2,940 |
| Equity capital to assets | 12.1452% | 1,942 |
| Core capital (leverage) ratio | 11.6983% | 1,750 |
| Tier 1 risk-based capital ratio | 16.6725% | 2,917 |
| Total risk-based capital ratio | 17.9286% | 2,883 |
| Memoranda: | ||
| Average total assets | $169,605,500 | 3,501 |
| Average earning assets | $146,162,500 | 3,661 |
| Average equity | $20,503,000 | 3,195 |
| Average total loans | $103,601,500 | 3,426 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1976% | 4,600 |
| Cost of funding earning assets | 0.3316% | 6,305 |
| Net interest margin | 3.8660% | 2,967 |
| Noninterest income to average assets | 0.6193% | 3,169 |
| Noninterest expense to average assets | 3.8319% | 1,199 |
| Loan and lease loss provision to assets | -0.5577% | 7,048 |
| Net operating income to assets | 0.7041% | 3,714 |
| Return on assets (ROA) | 0.8441% | 3,331 |
| Pretax return on assets | 0.8441% | 4,138 |
| Return on Equity (ROE) | 7.2340% | 3,512 |
| Retained earnings to average equity (ytd only) | 5.1181% | 2,624 |
| Net charge-offs to loans | -0.3194% | 6,982 |
| Credit loss provision to net charge-offs | 311.6883% | 777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3201% | 695 |
| Assets per employee ($millions) | 3.4341% | 5,138 |
| Cash dividends to net income (ytd only)* | 29.2498% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9524% | 2,148 |
| Loan loss allowance to noncurrent loans | 150.1916% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.8841% | 4,277 |
| Noncurrent loans to loans | 1.3000% | 3,665 |
| Net loans and leases to total assets | 57.3242% | 4,082 |
| Net loans and leases to deposits | 65.8276% | 4,312 |
| Net loans and leases to core deposits | 72.1005% | 4,036 |
| Total domestic deposits to total assets | 87.0824% | 2,794 |
| Equity capital to assets | 12.0335% | 2,027 |
| Core capital (leverage) ratio | 11.6463% | 1,768 |
| Tier 1 risk-based capital ratio | 17.8070% | 2,330 |
| Total risk-based capital ratio | 19.0690% | 2,299 |
| Memoranda: | ||
| Average total assets | $172,132,400 | 3,419 |
| Average earning assets | $149,560,800 | 3,564 |
| Average equity | $20,085,600 | 3,196 |
| Average total loans | $96,416,800 | 3,608 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1870% | 4,861 |
| Cost of funding earning assets | 0.3590% | 6,338 |
| Net interest margin | 3.8280% | 3,218 |
| Noninterest income to average assets | 0.6131% | 3,199 |
| Noninterest expense to average assets | 3.6886% | 1,382 |
| Loan and lease loss provision to assets | -0.5574% | 7,147 |
| Net operating income to assets | 0.8167% | 3,365 |
| Return on assets (ROA) | 1.0032% | 2,715 |
| Pretax return on assets | 1.0032% | 3,693 |
| Return on Equity (ROE) | 8.6651% | 2,969 |
| Retained earnings to average equity (ytd only) | 5.8235% | 2,812 |
| Net charge-offs to loans | -0.1006% | 6,852 |
| Credit loss provision to net charge-offs | 1,000.0000% | 277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4314% | 815 |
| Assets per employee ($millions) | 3.5117% | 4,957 |
| Cash dividends to net income (ytd only)* | 32.7930% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0047% | 2,155 |
| Loan loss allowance to noncurrent loans | 103.6959% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 1.2957% | 3,704 |
| Noncurrent loans to loans | 1.9333% | 2,921 |
| Net loans and leases to total assets | 56.9553% | 4,303 |
| Net loans and leases to deposits | 65.5615% | 4,528 |
| Net loans and leases to core deposits | 72.7912% | 4,159 |
| Total domestic deposits to total assets | 86.8731% | 2,752 |
| Equity capital to assets | 12.2720% | 2,063 |
| Core capital (leverage) ratio | 11.7691% | 1,793 |
| Tier 1 risk-based capital ratio | 18.7129% | 2,099 |
| Total risk-based capital ratio | 19.9715% | 2,063 |
| Memoranda: | ||
| Average total assets | $172,239,500 | 3,446 |
| Average earning assets | $150,049,000 | 3,582 |
| Average equity | $19,941,500 | 3,249 |
| Average total loans | $95,424,000 | 3,670 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 5,027 |
| Cost of funding earning assets | 0.3987% | 6,271 |
| Net interest margin | 3.7812% | 3,451 |
| Noninterest income to average assets | 0.5857% | 3,350 |
| Noninterest expense to average assets | 3.7621% | 1,271 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1257% | 6,103 |
| Return on assets (ROA) | 0.4035% | 5,438 |
| Pretax return on assets | 0.4035% | 5,702 |
| Return on Equity (ROE) | 3.5545% | 5,460 |
| Retained earnings to average equity (ytd only) | 3.5545% | 4,231 |
| Net charge-offs to loans | -0.1565% | 6,954 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7675% | 675 |
| Assets per employee ($millions) | 3.4730% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8298% | 920 |
| Loan loss allowance to noncurrent loans | 121.4738% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 1.6029% | 3,315 |
| Noncurrent loans to loans | 2.3295% | 2,567 |
| Net loans and leases to total assets | 55.3491% | 4,569 |
| Net loans and leases to deposits | 63.5284% | 4,824 |
| Net loans and leases to core deposits | 70.6580% | 4,451 |
| Total domestic deposits to total assets | 87.1249% | 2,702 |
| Equity capital to assets | 12.0149% | 2,135 |
| Core capital (leverage) ratio | 11.3913% | 1,977 |
| Tier 1 risk-based capital ratio | 18.3579% | 2,176 |
| Total risk-based capital ratio | 19.6266% | 2,133 |
| Memoranda: | ||
| Average total assets | $173,465,330 | 3,452 |
| Average earning assets | $151,484,330 | 3,572 |
| Average equity | $19,693,330 | 3,262 |
| Average total loans | $94,575,670 | 3,701 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0901% | 5,491 |
| Cost of funding earning assets | 0.4536% | 6,122 |
| Net interest margin | 3.6365% | 4,103 |
| Noninterest income to average assets | 0.6175% | 3,118 |
| Noninterest expense to average assets | 3.8451% | 1,143 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0181% | 6,446 |
| Return on assets (ROA) | -0.0181% | 6,550 |
| Pretax return on assets | -0.0181% | 6,551 |
| Return on Equity (ROE) | -0.1639% | 6,551 |
| Retained earnings to average equity (ytd only) | -0.1639% | 6,022 |
| Net charge-offs to loans | -0.3984% | 7,117 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4728% | 538 |
| Assets per employee ($millions) | 3.5166% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8745% | 934 |
| Loan loss allowance to noncurrent loans | 113.6020% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 1.6609% | 3,362 |
| Noncurrent loans to loans | 2.5303% | 2,577 |
| Net loans and leases to total assets | 53.0613% | 4,875 |
| Net loans and leases to deposits | 60.4281% | 5,102 |
| Net loans and leases to core deposits | 67.1929% | 4,777 |
| Total domestic deposits to total assets | 87.8089% | 2,448 |
| Equity capital to assets | 11.3386% | 2,593 |
| Core capital (leverage) ratio | 10.6415% | 2,604 |
| Tier 1 risk-based capital ratio | 18.0544% | 2,269 |
| Total risk-based capital ratio | 19.3205% | 2,234 |
| Memoranda: | ||
| Average total assets | $176,847,000 | 3,427 |
| Average earning assets | $156,083,000 | 3,512 |
| Average equity | $19,525,500 | 3,282 |
| Average total loans | $94,386,000 | 3,725 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2866% | 5,798 |
| Cost of funding earning assets | 0.6682% | 5,723 |
| Net interest margin | 3.6184% | 4,660 |
| Noninterest income to average assets | 0.5792% | 3,304 |
| Noninterest expense to average assets | 4.0982% | 911 |
| Loan and lease loss provision to assets | 0.0290% | 6,208 |
| Net operating income to assets | -0.3329% | 6,368 |
| Return on assets (ROA) | -0.3458% | 6,429 |
| Pretax return on assets | -0.3458% | 6,379 |
| Return on Equity (ROE) | -3.1155% | 6,423 |
| Retained earnings to average equity (ytd only) | -3.1155% | 6,290 |
| Net charge-offs to loans | 0.4692% | 3,110 |
| Credit loss provision to net charge-offs | 11.4035% | 6,000 |
| Earnings coverage of net charge-offs (x) | -1.1930% | 6,220 |
| Efficiency ratio | 108.0082% | 475 |
| Assets per employee ($millions) | 3.4881% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7601% | 1,025 |
| Loan loss allowance to noncurrent loans | 93.5865% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 1.8133% | 3,241 |
| Noncurrent loans to loans | 2.9493% | 2,205 |
| Net loans and leases to total assets | 50.7344% | 5,495 |
| Net loans and leases to deposits | 57.4072% | 5,760 |
| Net loans and leases to core deposits | 63.6623% | 5,500 |
| Total domestic deposits to total assets | 88.3763% | 1,921 |
| Equity capital to assets | 10.7581% | 3,235 |
| Core capital (leverage) ratio | 10.1650% | 3,147 |
| Tier 1 risk-based capital ratio | 18.1313% | 2,149 |
| Total risk-based capital ratio | 19.3983% | 2,119 |
| Memoranda: | ||
| Average total assets | $179,027,800 | 3,350 |
| Average earning assets | $159,076,600 | 3,423 |
| Average equity | $19,868,400 | 3,175 |
| Average total loans | $97,183,800 | 3,693 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3710% | 5,703 |
| Cost of funding earning assets | 0.7032% | 5,748 |
| Net interest margin | 3.6679% | 4,489 |
| Noninterest income to average assets | 0.7651% | 2,228 |
| Noninterest expense to average assets | 4.0453% | 955 |
| Loan and lease loss provision to assets | 0.0389% | 5,955 |
| Net operating income to assets | -0.0725% | 6,249 |
| Return on assets (ROA) | -0.0889% | 6,358 |
| Pretax return on assets | -0.0889% | 6,326 |
| Return on Equity (ROE) | -0.7950% | 6,350 |
| Retained earnings to average equity (ytd only) | -0.7950% | 6,117 |
| Net charge-offs to loans | 0.6352% | 2,342 |
| Credit loss provision to net charge-offs | 11.1588% | 5,655 |
| Earnings coverage of net charge-offs (x) | -0.0966% | 5,660 |
| Efficiency ratio | 100.8381% | 640 |
| Assets per employee ($millions) | 3.5313% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7181% | 1,109 |
| Loan loss allowance to noncurrent loans | 80.2591% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 2.8270% | 2,296 |
| Noncurrent loans to loans | 3.3867% | 2,038 |
| Net loans and leases to total assets | 49.7582% | 5,738 |
| Net loans and leases to deposits | 56.2586% | 6,006 |
| Net loans and leases to core deposits | 62.0575% | 5,807 |
| Total domestic deposits to total assets | 88.4455% | 1,789 |
| Equity capital to assets | 10.7231% | 3,450 |
| Core capital (leverage) ratio | 10.7473% | 2,619 |
| Tier 1 risk-based capital ratio | 18.4497% | 2,101 |
| Total risk-based capital ratio | 19.7160% | 2,065 |
| Memoranda: | ||
| Average total assets | $178,439,750 | 3,372 |
| Average earning assets | $157,944,750 | 3,467 |
| Average equity | $19,957,250 | 3,146 |
| Average total loans | $97,821,250 | 3,705 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4695% | 5,454 |
| Cost of funding earning assets | 0.7419% | 5,718 |
| Net interest margin | 3.7275% | 4,136 |
| Noninterest income to average assets | 0.6449% | 2,881 |
| Noninterest expense to average assets | 4.1314% | 889 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.1777% | 6,447 |
| Return on assets (ROA) | -0.2039% | 6,512 |
| Pretax return on assets | -0.2039% | 6,457 |
| Return on Equity (ROE) | -1.7972% | 6,497 |
| Retained earnings to average equity (ytd only) | -1.7972% | 6,216 |
| Net charge-offs to loans | 0.1908% | 4,013 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -1.6596% | 5,696 |
| Efficiency ratio | 104.4957% | 601 |
| Assets per employee ($millions) | 3.2575% | 5,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0575% | 846 |
| Loan loss allowance to noncurrent loans | 90.3246% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 3.0809% | 2,177 |
| Noncurrent loans to loans | 3.3851% | 2,100 |
| Net loans and leases to total assets | 53.6618% | 5,342 |
| Net loans and leases to deposits | 61.2837% | 5,579 |
| Net loans and leases to core deposits | 66.9962% | 5,390 |
| Total domestic deposits to total assets | 87.5630% | 2,433 |
| Equity capital to assets | 11.5670% | 2,445 |
| Core capital (leverage) ratio | 11.1274% | 2,159 |
| Tier 1 risk-based capital ratio | 18.4695% | 2,022 |
| Total risk-based capital ratio | 19.7342% | 1,968 |
| Memoranda: | ||
| Average total assets | $175,534,000 | 3,442 |
| Average earning assets | $155,813,000 | 3,529 |
| Average equity | $19,920,000 | 3,138 |
| Average total loans | $98,519,000 | 3,728 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4090% | 5,660 |
| Cost of funding earning assets | 0.7790% | 5,680 |
| Net interest margin | 3.6300% | 4,432 |
| Noninterest income to average assets | 0.9018% | 1,658 |
| Noninterest expense to average assets | 4.2514% | 770 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.1266% | 6,486 |
| Return on assets (ROA) | -0.1786% | 6,558 |
| Pretax return on assets | -0.1786% | 6,523 |
| Return on Equity (ROE) | -1.5883% | 6,548 |
| Retained earnings to average equity (ytd only) | -1.5883% | 6,088 |
| Net charge-offs to loans | 0.4440% | 2,365 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.5045% | 4,794 |
| Efficiency ratio | 103.0685% | 649 |
| Assets per employee ($millions) | 2.9659% | 6,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9428% | 964 |
| Loan loss allowance to noncurrent loans | 86.6130% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 3.3328% | 2,040 |
| Noncurrent loans to loans | 3.3976% | 2,206 |
| Net loans and leases to total assets | 54.7541% | 5,203 |
| Net loans and leases to deposits | 62.4154% | 5,454 |
| Net loans and leases to core deposits | 68.5414% | 5,224 |
| Total domestic deposits to total assets | 87.7253% | 2,541 |
| Equity capital to assets | 11.3878% | 2,354 |
| Core capital (leverage) ratio | 10.8751% | 2,290 |
| Tier 1 risk-based capital ratio | 18.0040% | 2,114 |
| Total risk-based capital ratio | 19.2728% | 2,078 |
| Memoranda: | ||
| Average total assets | $176,978,000 | 3,432 |
| Average earning assets | $157,134,000 | 3,517 |
| Average equity | $19,895,000 | 3,132 |
| Average total loans | $99,995,000 | 3,721 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9498% | 4,787 |
| Cost of funding earning assets | 1.0361% | 5,509 |
| Net interest margin | 3.9137% | 3,427 |
| Noninterest income to average assets | 0.7309% | 2,643 |
| Noninterest expense to average assets | 3.9918% | 1,173 |
| Loan and lease loss provision to assets | 0.3534% | 4,010 |
| Net operating income to assets | -0.1890% | 6,105 |
| Return on assets (ROA) | -0.1906% | 6,155 |
| Pretax return on assets | -0.1906% | 6,079 |
| Return on Equity (ROE) | -1.7873% | 6,149 |
| Retained earnings to average equity (ytd only) | -1.7873% | 5,934 |
| Net charge-offs to loans | 0.3927% | 4,072 |
| Credit loss provision to net charge-offs | 148.6784% | 2,446 |
| Earnings coverage of net charge-offs (x) | 0.6916% | 5,420 |
| Efficiency ratio | 96.0443% | 964 |
| Assets per employee ($millions) | 3.2540% | 5,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9781% | 888 |
| Loan loss allowance to noncurrent loans | 75.9889% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 2.8871% | 2,431 |
| Noncurrent loans to loans | 3.9191% | 1,866 |
| Net loans and leases to total assets | 54.9014% | 5,504 |
| Net loans and leases to deposits | 62.3711% | 5,808 |
| Net loans and leases to core deposits | 67.4893% | 5,714 |
| Total domestic deposits to total assets | 88.0237% | 2,236 |
| Equity capital to assets | 11.0985% | 2,598 |
| Core capital (leverage) ratio | 10.5025% | 2,555 |
| Tier 1 risk-based capital ratio | 17.6836% | 2,097 |
| Total risk-based capital ratio | 18.9533% | 2,060 |
| Memoranda: | ||
| Average total assets | $190,993,200 | 3,214 |
| Average earning assets | $167,158,400 | 3,338 |
| Average equity | $20,365,600 | 3,098 |
| Average total loans | $115,602,200 | 3,413 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0727% | 4,463 |
| Cost of funding earning assets | 1.0916% | 5,472 |
| Net interest margin | 3.9811% | 3,182 |
| Noninterest income to average assets | 0.7484% | 2,512 |
| Noninterest expense to average assets | 3.8735% | 1,234 |
| Loan and lease loss provision to assets | 0.3436% | 3,864 |
| Net operating income to assets | 0.0027% | 5,994 |
| Return on assets (ROA) | 0.0007% | 6,123 |
| Pretax return on assets | 0.0007% | 6,085 |
| Return on Equity (ROE) | 0.0065% | 6,124 |
| Retained earnings to average equity (ytd only) | 0.0065% | 5,776 |
| Net charge-offs to loans | 0.3054% | 4,138 |
| Credit loss provision to net charge-offs | 183.1502% | 1,986 |
| Earnings coverage of net charge-offs (x) | 1.8461% | 4,326 |
| Efficiency ratio | 91.7915% | 1,142 |
| Assets per employee ($millions) | 3.3693% | 5,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8362% | 974 |
| Loan loss allowance to noncurrent loans | 61.8249% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 3.7535% | 1,896 |
| Noncurrent loans to loans | 4.5874% | 1,559 |
| Net loans and leases to total assets | 54.8710% | 5,722 |
| Net loans and leases to deposits | 62.1268% | 6,104 |
| Net loans and leases to core deposits | 66.9071% | 6,046 |
| Total domestic deposits to total assets | 88.3209% | 1,780 |
| Equity capital to assets | 10.8751% | 3,081 |
| Core capital (leverage) ratio | 10.5543% | 2,633 |
| Tier 1 risk-based capital ratio | 17.0931% | 2,305 |
| Total risk-based capital ratio | 18.3603% | 2,263 |
| Memoranda: | ||
| Average total assets | $193,999,000 | 3,219 |
| Average earning assets | $169,161,750 | 3,339 |
| Average equity | $20,491,250 | 3,122 |
| Average total loans | $119,184,500 | 3,384 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1973% | 3,975 |
| Cost of funding earning assets | 1.1695% | 5,289 |
| Net interest margin | 4.0278% | 2,885 |
| Noninterest income to average assets | 1.0492% | 1,221 |
| Noninterest expense to average assets | 4.0455% | 995 |
| Loan and lease loss provision to assets | 0.5108% | 2,758 |
| Net operating income to assets | 0.0112% | 6,069 |
| Return on assets (ROA) | 0.0082% | 6,175 |
| Pretax return on assets | 0.0082% | 6,143 |
| Return on Equity (ROE) | 0.0781% | 6,175 |
| Retained earnings to average equity (ytd only) | 0.0781% | 5,710 |
| Net charge-offs to loans | 0.4603% | 3,159 |
| Credit loss provision to net charge-offs | 176.0563% | 2,226 |
| Earnings coverage of net charge-offs (x) | 1.7993% | 4,171 |
| Efficiency ratio | 88.5708% | 1,453 |
| Assets per employee ($millions) | 2.9846% | 6,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6212% | 1,165 |
| Loan loss allowance to noncurrent loans | 59.3417% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 3.9829% | 1,741 |
| Noncurrent loans to loans | 4.4172% | 1,653 |
| Net loans and leases to total assets | 59.4901% | 5,158 |
| Net loans and leases to deposits | 67.4359% | 5,621 |
| Net loans and leases to core deposits | 72.8143% | 5,583 |
| Total domestic deposits to total assets | 88.2172% | 1,874 |
| Equity capital to assets | 10.9122% | 2,957 |
| Core capital (leverage) ratio | 10.6227% | 2,523 |
| Tier 1 risk-based capital ratio | 15.9136% | 2,713 |
| Total risk-based capital ratio | 17.1796% | 2,669 |
| Memoranda: | ||
| Average total assets | $195,772,330 | 3,221 |
| Average earning assets | $171,011,000 | 3,324 |
| Average equity | $20,482,000 | 3,109 |
| Average total loans | $123,395,330 | 3,337 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3045% | 3,528 |
| Cost of funding earning assets | 1.2868% | 4,891 |
| Net interest margin | 4.0177% | 2,800 |
| Noninterest income to average assets | 1.4766% | 543 |
| Noninterest expense to average assets | 4.0091% | 1,019 |
| Loan and lease loss provision to assets | 0.1002% | 5,627 |
| Net operating income to assets | 0.8956% | 2,559 |
| Return on assets (ROA) | 0.8956% | 2,633 |
| Pretax return on assets | 0.8956% | 3,488 |
| Return on Equity (ROE) | 8.7373% | 2,580 |
| Retained earnings to average equity (ytd only) | 8.7373% | 1,470 |
| Net charge-offs to loans | 0.4418% | 2,723 |
| Credit loss provision to net charge-offs | 35.4610% | 4,729 |
| Earnings coverage of net charge-offs (x) | 3.5248% | 2,879 |
| Efficiency ratio | 80.1041% | 2,552 |
| Assets per employee ($millions) | 1.7923% | 7,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1617% | 1,830 |
| Loan loss allowance to noncurrent loans | 46.7084% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 3.4808% | 2,025 |
| Noncurrent loans to loans | 4.6281% | 1,607 |
| Net loans and leases to total assets | 62.2976% | 4,696 |
| Net loans and leases to deposits | 70.3963% | 5,284 |
| Net loans and leases to core deposits | 76.5819% | 5,183 |
| Total domestic deposits to total assets | 88.4955% | 1,788 |
| Equity capital to assets | 10.6348% | 3,115 |
| Core capital (leverage) ratio | 10.1551% | 2,978 |
| Tier 1 risk-based capital ratio | 15.0709% | 3,086 |
| Total risk-based capital ratio | 16.3314% | 3,032 |
| Memoranda: | ||
| Average total assets | $199,644,500 | 3,222 |
| Average earning assets | $175,324,000 | 3,316 |
| Average equity | $20,464,000 | 3,138 |
| Average total loans | $127,658,500 | 3,313 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9759% | 1,961 |
| Cost of funding earning assets | 1.7859% | 4,071 |
| Net interest margin | 4.1900% | 2,102 |
| Noninterest income to average assets | 0.5750% | 3,820 |
| Noninterest expense to average assets | 3.7600% | 1,775 |
| Loan and lease loss provision to assets | 0.7937% | 2,753 |
| Net operating income to assets | -0.3011% | 5,973 |
| Return on assets (ROA) | -0.0795% | 5,657 |
| Pretax return on assets | -0.0795% | 5,571 |
| Return on Equity (ROE) | -0.9016% | 5,686 |
| Retained earnings to average equity (ytd only) | -0.9016% | 5,228 |
| Net charge-offs to loans | 0.2622% | 4,984 |
| Credit loss provision to net charge-offs | 467.7143% | 661 |
| Earnings coverage of net charge-offs (x) | 2.9029% | 3,632 |
| Efficiency ratio | 88.4164% | 1,846 |
| Assets per employee ($millions) | 1.8047% | 7,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1348% | 1,763 |
| Loan loss allowance to noncurrent loans | 49.2511% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 3.1766% | 2,175 |
| Noncurrent loans to loans | 4.3346% | 1,657 |
| Net loans and leases to total assets | 62.8299% | 4,846 |
| Net loans and leases to deposits | 70.4986% | 5,537 |
| Net loans and leases to core deposits | 89.3495% | 5,194 |
| Total domestic deposits to total assets | 89.1222% | 1,423 |
| Equity capital to assets | 9.8818% | 3,910 |
| Core capital (leverage) ratio | 9.2710% | 4,021 |
| Tier 1 risk-based capital ratio | 14.0578% | 3,464 |
| Total risk-based capital ratio | 15.3185% | 3,409 |
| Memoranda: | ||
| Average total assets | $206,248,200 | 3,106 |
| Average earning assets | $181,026,800 | 3,207 |
| Average equity | $18,189,600 | 3,478 |
| Average total loans | $133,468,400 | 3,202 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0732% | 1,750 |
| Cost of funding earning assets | 1.8885% | 3,937 |
| Net interest margin | 4.1847% | 2,110 |
| Noninterest income to average assets | 0.6556% | 3,319 |
| Noninterest expense to average assets | 3.7409% | 1,722 |
| Loan and lease loss provision to assets | 0.8200% | 2,322 |
| Net operating income to assets | -0.2327% | 6,116 |
| Return on assets (ROA) | -0.2327% | 6,122 |
| Pretax return on assets | -0.2327% | 6,024 |
| Return on Equity (ROE) | -2.7195% | 6,202 |
| Retained earnings to average equity (ytd only) | -2.7195% | 5,880 |
| Net charge-offs to loans | 0.0696% | 5,994 |
| Credit loss provision to net charge-offs | 1,817.1429% | 213 |
| Earnings coverage of net charge-offs (x) | 13.0145% | 1,710 |
| Efficiency ratio | 86.4313% | 2,017 |
| Assets per employee ($millions) | 3.0278% | 6,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9761% | 1,856 |
| Loan loss allowance to noncurrent loans | 54.2244% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 2.7215% | 2,554 |
| Noncurrent loans to loans | 3.6443% | 2,055 |
| Net loans and leases to total assets | 61.4818% | 5,328 |
| Net loans and leases to deposits | 67.7550% | 6,147 |
| Net loans and leases to core deposits | 89.2380% | 5,511 |
| Total domestic deposits to total assets | 90.7413% | 498 |
| Equity capital to assets | 8.4307% | 6,343 |
| Core capital (leverage) ratio | 8.1562% | 6,091 |
| Tier 1 risk-based capital ratio | 11.9575% | 5,013 |
| Total risk-based capital ratio | 13.2130% | 4,944 |
| Memoranda: | ||
| Average total assets | $206,827,750 | 3,113 |
| Average earning assets | $181,514,000 | 3,221 |
| Average equity | $17,699,000 | 3,580 |
| Average total loans | $134,104,500 | 3,223 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2271% | 1,389 |
| Cost of funding earning assets | 2.0050% | 3,750 |
| Net interest margin | 4.2221% | 1,911 |
| Noninterest income to average assets | 0.7710% | 2,588 |
| Noninterest expense to average assets | 3.6051% | 2,063 |
| Loan and lease loss provision to assets | 1.0832% | 1,581 |
| Net operating income to assets | -0.2344% | 6,235 |
| Return on assets (ROA) | -0.2344% | 6,256 |
| Pretax return on assets | -0.2344% | 6,161 |
| Return on Equity (ROE) | -2.7243% | 6,331 |
| Retained earnings to average equity (ytd only) | -2.7243% | 5,917 |
| Net charge-offs to loans | -0.0781% | 7,913 |
| Credit loss provision to net charge-offs | -2,115.3846% | 7,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9419% | 2,896 |
| Assets per employee ($millions) | 2.8661% | 6,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9829% | 1,604 |
| Loan loss allowance to noncurrent loans | 215.5698% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 1.1736% | 4,595 |
| Noncurrent loans to loans | 0.9198% | 5,377 |
| Net loans and leases to total assets | 62.6034% | 5,252 |
| Net loans and leases to deposits | 69.3831% | 6,054 |
| Net loans and leases to core deposits | 91.8795% | 5,363 |
| Total domestic deposits to total assets | 90.2286% | 740 |
| Equity capital to assets | 8.1419% | 6,573 |
| Core capital (leverage) ratio | 7.7668% | 6,651 |
| Tier 1 risk-based capital ratio | 11.3101% | 5,581 |
| Total risk-based capital ratio | 12.5673% | 5,477 |
| Memoranda: | ||
| Average total assets | $203,103,330 | 3,192 |
| Average earning assets | $177,161,330 | 3,297 |
| Average equity | $17,472,330 | 3,623 |
| Average total loans | $133,228,330 | 3,281 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2663% | 1,396 |
| Cost of funding earning assets | 2.0071% | 4,091 |
| Net interest margin | 4.2592% | 1,707 |
| Noninterest income to average assets | 0.9244% | 1,760 |
| Noninterest expense to average assets | 3.5688% | 1,937 |
| Loan and lease loss provision to assets | 0.0806% | 5,939 |
| Net operating income to assets | 0.9506% | 2,513 |
| Return on assets (ROA) | 0.9506% | 2,641 |
| Pretax return on assets | 0.9506% | 3,533 |
| Return on Equity (ROE) | 10.7428% | 2,048 |
| Retained earnings to average equity (ytd only) | 10.7428% | 1,023 |
| Net charge-offs to loans | -0.1968% | 8,008 |
| Credit loss provision to net charge-offs | -61.5385% | 6,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5832% | 3,242 |
| Assets per employee ($millions) | 1.5333% | 8,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 4,860 |
| Loan loss allowance to noncurrent loans | 61.7839% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 1.9249% | 3,017 |
| Noncurrent loans to loans | 1.9294% | 3,370 |
| Net loans and leases to total assets | 65.8098% | 4,626 |
| Net loans and leases to deposits | 73.1903% | 5,588 |
| Net loans and leases to core deposits | 94.7429% | 5,085 |
| Total domestic deposits to total assets | 89.9160% | 836 |
| Equity capital to assets | 8.9116% | 5,459 |
| Core capital (leverage) ratio | 8.8541% | 4,906 |
| Tier 1 risk-based capital ratio | 11.7313% | 5,186 |
| Total risk-based capital ratio | 12.8948% | 5,173 |
| Memoranda: | ||
| Average total assets | $198,610,500 | 3,260 |
| Average earning assets | $171,393,500 | 3,399 |
| Average equity | $17,574,500 | 3,627 |
| Average total loans | $132,112,000 | 3,319 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5592% | 2,674 |
| Cost of funding earning assets | 2.5574% | 3,913 |
| Net interest margin | 4.0018% | 3,100 |
| Noninterest income to average assets | 0.6929% | 3,166 |
| Noninterest expense to average assets | 3.8200% | 1,716 |
| Loan and lease loss provision to assets | 0.6319% | 2,300 |
| Net operating income to assets | -0.2130% | 6,635 |
| Return on assets (ROA) | -0.2074% | 6,474 |
| Pretax return on assets | -0.2074% | 6,377 |
| Return on Equity (ROE) | -2.3293% | 6,548 |
| Retained earnings to average equity (ytd only) | -4.8512% | 6,487 |
| Net charge-offs to loans | 1.1061% | 1,101 |
| Credit loss provision to net charge-offs | 83.5223% | 5,820 |
| Earnings coverage of net charge-offs (x) | 0.5537% | 5,898 |
| Efficiency ratio | 90.1179% | 1,507 |
| Assets per employee ($millions) | 1.6372% | 8,119 |
| Cash dividends to net income (ytd only)* | -108.2725% | 8,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 4,906 |
| Loan loss allowance to noncurrent loans | 372.7500% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 1.4039% | 3,392 |
| Noncurrent loans to loans | 0.3091% | 6,455 |
| Net loans and leases to total assets | 65.6639% | 4,918 |
| Net loans and leases to deposits | 73.8826% | 5,861 |
| Net loans and leases to core deposits | 96.2081% | 5,240 |
| Total domestic deposits to total assets | 88.8759% | 1,092 |
| Equity capital to assets | 8.7834% | 5,682 |
| Core capital (leverage) ratio | 8.5796% | 5,428 |
| Tier 1 risk-based capital ratio | 11.6334% | 5,118 |
| Total risk-based capital ratio | 12.7476% | 5,134 |
| Memoranda: | ||
| Average total assets | $198,139,600 | 3,165 |
| Average earning assets | $175,570,400 | 3,251 |
| Average equity | $17,645,000 | 3,617 |
| Average total loans | $135,524,200 | 3,170 |