Home > Central Valley Bank > Performance and Condition Ratios
Central Valley Bank, Performance and Condition Ratios
| 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 | 5.2452% | 559 |
| Cost of funding earning assets | 0.3277% | 5,740 |
| Net interest margin | 4.9175% | 326 |
| Noninterest income to average assets | 0.6350% | 2,956 |
| Noninterest expense to average assets | 2.7369% | 3,925 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6122% | 692 |
| Return on assets (ROA) | 1.6092% | 756 |
| Pretax return on assets | 2.4344% | 296 |
| Return on Equity (ROE) | 16.1984% | 586 |
| Retained earnings to average equity (ytd only) | 16.1984% | 263 |
| 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 | 52.8787% | 6,321 |
| Assets per employee ($millions) | 4.5881% | 2,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7889% | 829 |
| Loan loss allowance to noncurrent loans | 191.2158% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 1.2831% | 3,407 |
| Noncurrent loans to loans | 1.4585% | 3,377 |
| Net loans and leases to total assets | 64.0304% | 2,704 |
| Net loans and leases to deposits | 71.7720% | 3,210 |
| Net loans and leases to core deposits | 72.7648% | 3,732 |
| Total domestic deposits to total assets | 89.2135% | 1,546 |
| Equity capital to assets | 9.8817% | 4,299 |
| Core capital (leverage) ratio | 10.2672% | 3,051 |
| Tier 1 risk-based capital ratio | 14.7537% | 3,994 |
| Total risk-based capital ratio | 16.0222% | 3,955 |
| Memoranda: | ||
| Average total assets | $174,501,500 | 3,424 |
| Average earning assets | $161,139,000 | 3,413 |
| Average equity | $17,335,000 | 3,611 |
| Average total loans | $121,375,500 | 3,057 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8910% | 317 |
| Cost of funding earning assets | 0.3822% | 6,037 |
| Net interest margin | 5.5088% | 170 |
| Noninterest income to average assets | 0.7732% | 2,372 |
| Noninterest expense to average assets | 3.0321% | 3,156 |
| Loan and lease loss provision to assets | 0.2320% | 2,812 |
| Net operating income to assets | 1.6980% | 619 |
| Return on assets (ROA) | 1.6869% | 713 |
| Pretax return on assets | 2.5566% | 238 |
| Return on Equity (ROE) | 16.3203% | 614 |
| Retained earnings to average equity (ytd only) | 1.1603% | 5,292 |
| Net charge-offs to loans | 0.0638% | 5,052 |
| Credit loss provision to net charge-offs | 487.3418% | 500 |
| Earnings coverage of net charge-offs (x) | 58.9241% | 606 |
| Efficiency ratio | 51.9409% | 6,469 |
| Assets per employee ($millions) | 3.7792% | 4,411 |
| Cash dividends to net income (ytd only)* | 92.8903% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6311% | 990 |
| Loan loss allowance to noncurrent loans | 200.2438% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 1.4071% | 3,289 |
| Noncurrent loans to loans | 1.3140% | 3,640 |
| Net loans and leases to total assets | 71.5040% | 1,569 |
| Net loans and leases to deposits | 79.9458% | 2,289 |
| Net loans and leases to core deposits | 80.9684% | 2,886 |
| Total domestic deposits to total assets | 89.4406% | 1,278 |
| Equity capital to assets | 9.9891% | 4,179 |
| Core capital (leverage) ratio | 10.2257% | 3,101 |
| Tier 1 risk-based capital ratio | 13.3458% | 4,860 |
| Total risk-based capital ratio | 14.6124% | 4,804 |
| Memoranda: | ||
| Average total assets | $165,926,600 | 3,524 |
| Average earning assets | $152,536,600 | 3,501 |
| Average equity | $17,150,400 | 3,598 |
| Average total loans | $123,756,200 | 3,009 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8791% | 345 |
| Cost of funding earning assets | 0.4015% | 6,112 |
| Net interest margin | 5.4776% | 177 |
| Noninterest income to average assets | 0.7544% | 2,454 |
| Noninterest expense to average assets | 3.0363% | 3,107 |
| Loan and lease loss provision to assets | 0.3113% | 2,121 |
| Net operating income to assets | 1.6168% | 812 |
| Return on assets (ROA) | 1.6051% | 931 |
| Pretax return on assets | 2.4306% | 327 |
| Return on Equity (ROE) | 15.3953% | 833 |
| Retained earnings to average equity (ytd only) | 7.6395% | 1,779 |
| Net charge-offs to loans | 0.0864% | 4,527 |
| Credit loss provision to net charge-offs | 481.2500% | 560 |
| Earnings coverage of net charge-offs (x) | 42.6641% | 839 |
| Efficiency ratio | 52.3856% | 6,421 |
| Assets per employee ($millions) | 3.5239% | 4,923 |
| Cash dividends to net income (ytd only)* | 50.3778% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4771% | 1,232 |
| Loan loss allowance to noncurrent loans | 155.8084% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 2.0056% | 2,630 |
| Noncurrent loans to loans | 1.5898% | 3,402 |
| Net loans and leases to total assets | 79.8104% | 520 |
| Net loans and leases to deposits | 89.9559% | 1,151 |
| Net loans and leases to core deposits | 91.0044% | 1,873 |
| Total domestic deposits to total assets | 88.7216% | 1,581 |
| Equity capital to assets | 10.9551% | 3,322 |
| Core capital (leverage) ratio | 10.9201% | 2,466 |
| Tier 1 risk-based capital ratio | 13.3252% | 5,001 |
| Total risk-based capital ratio | 14.5902% | 4,960 |
| Memoranda: | ||
| Average total assets | $164,891,750 | 3,570 |
| Average earning assets | $151,766,000 | 3,556 |
| Average equity | $17,191,000 | 3,625 |
| Average total loans | $123,472,750 | 3,043 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8207% | 398 |
| Cost of funding earning assets | 0.4296% | 6,099 |
| Net interest margin | 5.3911% | 214 |
| Noninterest income to average assets | 0.7755% | 2,313 |
| Noninterest expense to average assets | 3.0249% | 3,166 |
| Loan and lease loss provision to assets | 0.3498% | 1,880 |
| Net operating income to assets | 1.5662% | 888 |
| Return on assets (ROA) | 1.5486% | 1,021 |
| Pretax return on assets | 2.3386% | 386 |
| Return on Equity (ROE) | 15.1041% | 921 |
| Retained earnings to average equity (ytd only) | 3.3408% | 4,376 |
| Net charge-offs to loans | 0.1395% | 3,805 |
| Credit loss provision to net charge-offs | 345.2381% | 853 |
| Earnings coverage of net charge-offs (x) | 26.7976% | 1,152 |
| Efficiency ratio | 52.7001% | 6,446 |
| Assets per employee ($millions) | 3.8156% | 4,274 |
| Cash dividends to net income (ytd only)* | 77.8816% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5522% | 1,209 |
| Loan loss allowance to noncurrent loans | 166.0761% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 1.9230% | 2,876 |
| Noncurrent loans to loans | 1.5368% | 3,602 |
| Net loans and leases to total assets | 74.1664% | 1,217 |
| Net loans and leases to deposits | 82.9922% | 1,979 |
| Net loans and leases to core deposits | 84.1481% | 2,672 |
| Total domestic deposits to total assets | 89.3654% | 1,294 |
| Equity capital to assets | 10.3840% | 3,837 |
| Core capital (leverage) ratio | 10.3578% | 2,977 |
| Tier 1 risk-based capital ratio | 13.4284% | 4,888 |
| Total risk-based capital ratio | 14.6942% | 4,826 |
| Memoranda: | ||
| Average total assets | $165,823,000 | 3,567 |
| Average earning assets | $152,696,330 | 3,555 |
| Average equity | $17,002,000 | 3,642 |
| Average total loans | $120,411,330 | 3,123 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7874% | 433 |
| Cost of funding earning assets | 0.4688% | 6,024 |
| Net interest margin | 5.3185% | 240 |
| Noninterest income to average assets | 0.7127% | 2,598 |
| Noninterest expense to average assets | 2.8242% | 3,930 |
| Loan and lease loss provision to assets | 0.4679% | 1,313 |
| Net operating income to assets | 1.5478% | 944 |
| Return on assets (ROA) | 1.5285% | 1,097 |
| Pretax return on assets | 2.2915% | 460 |
| Return on Equity (ROE) | 15.0019% | 970 |
| Retained earnings to average equity (ytd only) | 11.4693% | 929 |
| Net charge-offs to loans | 0.2606% | 2,629 |
| Credit loss provision to net charge-offs | 253.2468% | 1,129 |
| Earnings coverage of net charge-offs (x) | 15.0909% | 1,435 |
| Efficiency ratio | 50.3206% | 6,654 |
| Assets per employee ($millions) | 4.1946% | 3,591 |
| Cash dividends to net income (ytd only)* | 23.5479% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5927% | 1,236 |
| Loan loss allowance to noncurrent loans | 160.9870% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 1.8840% | 3,070 |
| Noncurrent loans to loans | 1.6105% | 3,702 |
| Net loans and leases to total assets | 69.3924% | 1,864 |
| Net loans and leases to deposits | 77.9453% | 2,521 |
| Net loans and leases to core deposits | 79.0074% | 3,185 |
| Total domestic deposits to total assets | 89.0270% | 1,682 |
| Equity capital to assets | 10.2590% | 3,780 |
| Core capital (leverage) ratio | 10.4248% | 2,841 |
| Tier 1 risk-based capital ratio | 14.2811% | 4,255 |
| Total risk-based capital ratio | 15.5476% | 4,217 |
| Memoranda: | ||
| Average total assets | $166,700,000 | 3,572 |
| Average earning assets | $153,576,000 | 3,557 |
| Average equity | $16,984,500 | 3,652 |
| Average total loans | $118,181,500 | 3,193 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8805% | 544 |
| Cost of funding earning assets | 0.6599% | 5,772 |
| Net interest margin | 5.2206% | 274 |
| Noninterest income to average assets | 0.7575% | 2,296 |
| Noninterest expense to average assets | 2.8588% | 4,134 |
| Loan and lease loss provision to assets | 0.4765% | 2,220 |
| Net operating income to assets | 1.4516% | 926 |
| Return on assets (ROA) | 1.4227% | 1,060 |
| Pretax return on assets | 2.2241% | 349 |
| Return on Equity (ROE) | 13.9767% | 936 |
| Retained earnings to average equity (ytd only) | 4.9750% | 2,657 |
| Net charge-offs to loans | 0.1908% | 4,618 |
| Credit loss provision to net charge-offs | 351.3514% | 658 |
| Earnings coverage of net charge-offs (x) | 20.2477% | 1,141 |
| Efficiency ratio | 51.0082% | 6,774 |
| Assets per employee ($millions) | 4.0394% | 3,768 |
| Cash dividends to net income (ytd only)* | 64.4053% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5515% | 1,246 |
| Loan loss allowance to noncurrent loans | 100.8116% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 2.1339% | 2,812 |
| Noncurrent loans to loans | 2.5309% | 2,597 |
| Net loans and leases to total assets | 68.7456% | 2,262 |
| Net loans and leases to deposits | 76.9735% | 3,009 |
| Net loans and leases to core deposits | 78.2022% | 3,662 |
| Total domestic deposits to total assets | 89.3108% | 1,363 |
| Equity capital to assets | 10.1174% | 4,017 |
| Core capital (leverage) ratio | 10.1036% | 3,223 |
| Tier 1 risk-based capital ratio | 14.5428% | 3,941 |
| Total risk-based capital ratio | 15.8101% | 3,902 |
| Memoranda: | ||
| Average total assets | $163,705,000 | 3,578 |
| Average earning assets | $151,994,800 | 3,550 |
| Average equity | $16,663,400 | 3,629 |
| Average total loans | $116,364,600 | 3,247 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8507% | 622 |
| Cost of funding earning assets | 0.6913% | 5,820 |
| Net interest margin | 5.1594% | 308 |
| Noninterest income to average assets | 0.7433% | 2,351 |
| Noninterest expense to average assets | 2.9186% | 3,842 |
| Loan and lease loss provision to assets | 0.4778% | 2,080 |
| Net operating income to assets | 1.4351% | 1,088 |
| Return on assets (ROA) | 1.4017% | 1,228 |
| Pretax return on assets | 2.1009% | 520 |
| Return on Equity (ROE) | 13.7494% | 1,095 |
| Retained earnings to average equity (ytd only) | 13.7494% | 311 |
| Net charge-offs to loans | 0.2546% | 3,842 |
| Credit loss provision to net charge-offs | 263.5135% | 1,081 |
| Earnings coverage of net charge-offs (x) | 14.4956% | 1,531 |
| Efficiency ratio | 52.6138% | 6,627 |
| Assets per employee ($millions) | 3.9775% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2129% | 1,830 |
| Loan loss allowance to noncurrent loans | 81.9412% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 2.4387% | 2,644 |
| Noncurrent loans to loans | 2.7006% | 2,587 |
| Net loans and leases to total assets | 75.4910% | 1,061 |
| Net loans and leases to deposits | 84.9239% | 1,852 |
| Net loans and leases to core deposits | 86.3033% | 2,738 |
| Total domestic deposits to total assets | 88.8925% | 1,490 |
| Equity capital to assets | 10.7997% | 3,356 |
| Core capital (leverage) ratio | 10.6867% | 2,681 |
| Tier 1 risk-based capital ratio | 14.4988% | 3,981 |
| Total risk-based capital ratio | 15.7604% | 3,946 |
| Memoranda: | ||
| Average total assets | $163,227,500 | 3,620 |
| Average earning assets | $151,977,250 | 3,568 |
| Average equity | $16,640,250 | 3,635 |
| Average total loans | $116,247,250 | 3,277 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7670% | 772 |
| Cost of funding earning assets | 0.7173% | 5,850 |
| Net interest margin | 5.0498% | 369 |
| Noninterest income to average assets | 0.7117% | 2,486 |
| Noninterest expense to average assets | 2.8773% | 4,116 |
| Loan and lease loss provision to assets | 0.4777% | 2,072 |
| Net operating income to assets | 1.3941% | 1,095 |
| Return on assets (ROA) | 1.3597% | 1,240 |
| Pretax return on assets | 2.0223% | 567 |
| Return on Equity (ROE) | 13.6060% | 1,068 |
| Retained earnings to average equity (ytd only) | 13.6060% | 347 |
| Net charge-offs to loans | 0.3928% | 2,988 |
| Credit loss provision to net charge-offs | 175.6757% | 1,714 |
| Earnings coverage of net charge-offs (x) | 9.3829% | 1,931 |
| Efficiency ratio | 53.0009% | 6,713 |
| Assets per employee ($millions) | 4.2725% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1640% | 1,991 |
| Loan loss allowance to noncurrent loans | 184.3528% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.8438% | 5,187 |
| Noncurrent loans to loans | 1.1738% | 4,690 |
| Net loans and leases to total assets | 70.3300% | 2,151 |
| Net loans and leases to deposits | 78.5263% | 3,036 |
| Net loans and leases to core deposits | 79.8996% | 3,801 |
| Total domestic deposits to total assets | 89.5623% | 1,211 |
| Equity capital to assets | 10.1611% | 3,932 |
| Core capital (leverage) ratio | 10.3965% | 2,833 |
| Tier 1 risk-based capital ratio | 14.9081% | 3,541 |
| Total risk-based capital ratio | 16.1709% | 3,512 |
| Memoranda: | ||
| Average total assets | $163,277,000 | 3,627 |
| Average earning assets | $152,521,670 | 3,589 |
| Average equity | $16,316,330 | 3,680 |
| Average total loans | $113,031,000 | 3,384 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5829% | 1,088 |
| Cost of funding earning assets | 0.7504% | 5,858 |
| Net interest margin | 4.8325% | 535 |
| Noninterest income to average assets | 0.7277% | 2,405 |
| Noninterest expense to average assets | 2.9430% | 3,879 |
| Loan and lease loss provision to assets | 0.4827% | 1,827 |
| Net operating income to assets | 1.2329% | 1,448 |
| Return on assets (ROA) | 1.1931% | 1,585 |
| Pretax return on assets | 1.7698% | 864 |
| Return on Equity (ROE) | 12.0432% | 1,451 |
| Retained earnings to average equity (ytd only) | 12.0432% | 733 |
| Net charge-offs to loans | 0.0292% | 4,688 |
| Credit loss provision to net charge-offs | 2,437.5000% | 163 |
| Earnings coverage of net charge-offs (x) | 116.7500% | 281 |
| Efficiency ratio | 56.0057% | 6,510 |
| Assets per employee ($millions) | 4.2108% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3673% | 1,649 |
| Loan loss allowance to noncurrent loans | 114.9780% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 1.4924% | 4,020 |
| Noncurrent loans to loans | 2.0589% | 3,495 |
| Net loans and leases to total assets | 67.2710% | 2,700 |
| Net loans and leases to deposits | 75.3778% | 3,521 |
| Net loans and leases to core deposits | 76.4724% | 4,238 |
| Total domestic deposits to total assets | 89.2451% | 1,617 |
| Equity capital to assets | 10.1581% | 3,583 |
| Core capital (leverage) ratio | 10.1033% | 3,030 |
| Tier 1 risk-based capital ratio | 15.5545% | 3,136 |
| Total risk-based capital ratio | 16.8191% | 3,080 |
| Memoranda: | ||
| Average total assets | $161,602,500 | 3,678 |
| Average earning assets | $151,390,500 | 3,618 |
| Average equity | $16,009,000 | 3,728 |
| Average total loans | $109,656,500 | 3,501 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1493% | 634 |
| Cost of funding earning assets | 0.9712% | 5,834 |
| Net interest margin | 5.1782% | 299 |
| Noninterest income to average assets | 0.7920% | 2,324 |
| Noninterest expense to average assets | 2.9441% | 4,058 |
| Loan and lease loss provision to assets | 0.4414% | 3,471 |
| Net operating income to assets | 1.4699% | 819 |
| Return on assets (ROA) | 1.3838% | 1,051 |
| Pretax return on assets | 2.0958% | 391 |
| Return on Equity (ROE) | 14.7821% | 750 |
| Retained earnings to average equity (ytd only) | 14.7821% | 134 |
| Net charge-offs to loans | 0.4887% | 3,668 |
| Credit loss provision to net charge-offs | 125.6831% | 3,240 |
| Earnings coverage of net charge-offs (x) | 7.5956% | 2,107 |
| Efficiency ratio | 52.4624% | 6,950 |
| Assets per employee ($millions) | 4.0799% | 3,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2217% | 1,836 |
| Loan loss allowance to noncurrent loans | 125.3492% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 1.1973% | 4,625 |
| Noncurrent loans to loans | 1.7724% | 3,851 |
| Net loans and leases to total assets | 65.3449% | 3,595 |
| Net loans and leases to deposits | 72.6216% | 4,412 |
| Net loans and leases to core deposits | 74.1687% | 4,958 |
| Total domestic deposits to total assets | 89.9800% | 1,115 |
| Equity capital to assets | 9.6597% | 4,201 |
| Core capital (leverage) ratio | 9.8697% | 3,243 |
| Tier 1 risk-based capital ratio | 15.5375% | 2,983 |
| Total risk-based capital ratio | 16.8010% | 2,941 |
| Memoranda: | ||
| Average total assets | $156,314,000 | 3,769 |
| Average earning assets | $145,495,200 | 3,718 |
| Average equity | $14,632,600 | 4,009 |
| Average total loans | $112,327,800 | 3,488 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2201% | 592 |
| Cost of funding earning assets | 1.0150% | 5,870 |
| Net interest margin | 5.2051% | 293 |
| Noninterest income to average assets | 0.8073% | 2,198 |
| Noninterest expense to average assets | 2.9306% | 3,979 |
| Loan and lease loss provision to assets | 0.4269% | 3,350 |
| Net operating income to assets | 1.5132% | 899 |
| Return on assets (ROA) | 1.4136% | 1,155 |
| Pretax return on assets | 2.1372% | 467 |
| Return on Equity (ROE) | 15.2287% | 822 |
| Retained earnings to average equity (ytd only) | 15.2287% | 200 |
| Net charge-offs to loans | 0.1497% | 5,111 |
| Credit loss provision to net charge-offs | 389.7638% | 785 |
| Earnings coverage of net charge-offs (x) | 24.7873% | 1,011 |
| Efficiency ratio | 51.9096% | 6,985 |
| Assets per employee ($millions) | 3.8815% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2150% | 1,776 |
| Loan loss allowance to noncurrent loans | 118.0927% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 1.4453% | 4,286 |
| Noncurrent loans to loans | 1.8757% | 3,832 |
| Net loans and leases to total assets | 75.3493% | 1,522 |
| Net loans and leases to deposits | 84.1713% | 2,675 |
| Net loans and leases to core deposits | 86.0219% | 3,651 |
| Total domestic deposits to total assets | 89.5189% | 1,118 |
| Equity capital to assets | 9.8093% | 4,405 |
| Core capital (leverage) ratio | 9.8618% | 3,416 |
| Tier 1 risk-based capital ratio | 13.9320% | 3,891 |
| Total risk-based capital ratio | 15.1958% | 3,838 |
| Memoranda: | ||
| Average total assets | $154,594,000 | 3,849 |
| Average earning assets | $143,701,500 | 3,801 |
| Average equity | $14,349,750 | 4,124 |
| Average total loans | $113,144,250 | 3,522 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1396% | 697 |
| Cost of funding earning assets | 1.0560% | 5,896 |
| Net interest margin | 5.0835% | 355 |
| Noninterest income to average assets | 0.7994% | 2,115 |
| Noninterest expense to average assets | 2.9125% | 4,030 |
| Loan and lease loss provision to assets | 0.3887% | 3,387 |
| Net operating income to assets | 1.4674% | 963 |
| Return on assets (ROA) | 1.3331% | 1,309 |
| Pretax return on assets | 2.0159% | 583 |
| Return on Equity (ROE) | 14.6411% | 918 |
| Retained earnings to average equity (ytd only) | 14.6411% | 266 |
| Net charge-offs to loans | 0.2127% | 4,335 |
| Credit loss provision to net charge-offs | 254.2373% | 1,502 |
| Earnings coverage of net charge-offs (x) | 17.0593% | 1,368 |
| Efficiency ratio | 52.7576% | 7,005 |
| Assets per employee ($millions) | 3.8546% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1196% | 1,928 |
| Loan loss allowance to noncurrent loans | 107.3638% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 1.4885% | 4,228 |
| Noncurrent loans to loans | 1.9742% | 3,758 |
| Net loans and leases to total assets | 73.7985% | 1,952 |
| Net loans and leases to deposits | 82.0887% | 3,257 |
| Net loans and leases to core deposits | 85.1243% | 3,972 |
| Total domestic deposits to total assets | 89.9009% | 971 |
| Equity capital to assets | 9.4765% | 4,738 |
| Core capital (leverage) ratio | 9.5774% | 3,704 |
| Tier 1 risk-based capital ratio | 13.6776% | 3,956 |
| Total risk-based capital ratio | 14.9399% | 3,908 |
| Memoranda: | ||
| Average total assets | $154,371,670 | 3,880 |
| Average earning assets | $143,365,000 | 3,833 |
| Average equity | $14,056,330 | 4,189 |
| Average total loans | $110,979,670 | 3,608 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2517% | 577 |
| Cost of funding earning assets | 1.1336% | 5,743 |
| Net interest margin | 5.1180% | 334 |
| Noninterest income to average assets | 0.7898% | 2,073 |
| Noninterest expense to average assets | 2.9081% | 4,029 |
| Loan and lease loss provision to assets | 0.3884% | 3,031 |
| Net operating income to assets | 1.4808% | 920 |
| Return on assets (ROA) | 1.2689% | 1,438 |
| Pretax return on assets | 1.9189% | 711 |
| Return on Equity (ROE) | 14.2245% | 1,013 |
| Retained earnings to average equity (ytd only) | 14.2245% | 482 |
| Net charge-offs to loans | 0.1477% | 4,045 |
| Credit loss provision to net charge-offs | 375.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 25.3750% | 983 |
| Efficiency ratio | 52.5257% | 7,099 |
| Assets per employee ($millions) | 4.0743% | 3,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2153% | 1,722 |
| Loan loss allowance to noncurrent loans | 120.4431% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 1.2828% | 4,610 |
| Noncurrent loans to loans | 1.8393% | 4,009 |
| Net loans and leases to total assets | 68.1957% | 3,339 |
| Net loans and leases to deposits | 75.4233% | 4,511 |
| Net loans and leases to core deposits | 78.9563% | 4,900 |
| Total domestic deposits to total assets | 90.4174% | 776 |
| Equity capital to assets | 9.0769% | 5,163 |
| Core capital (leverage) ratio | 9.2324% | 4,170 |
| Tier 1 risk-based capital ratio | 14.0905% | 3,600 |
| Total risk-based capital ratio | 15.3540% | 3,555 |
| Memoranda: | ||
| Average total assets | $154,466,500 | 3,937 |
| Average earning assets | $143,258,000 | 3,882 |
| Average equity | $13,779,000 | 4,293 |
| Average total loans | $108,345,500 | 3,726 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8278% | 362 |
| Cost of funding earning assets | 1.5771% | 5,143 |
| Net interest margin | 5.2507% | 264 |
| Noninterest income to average assets | 0.8841% | 2,012 |
| Noninterest expense to average assets | 2.9704% | 4,262 |
| Loan and lease loss provision to assets | 0.6732% | 3,126 |
| Net operating income to assets | 1.3461% | 952 |
| Return on assets (ROA) | 1.2077% | 1,278 |
| Pretax return on assets | 1.8534% | 568 |
| Return on Equity (ROE) | 13.4090% | 885 |
| Retained earnings to average equity (ytd only) | 7.6884% | 779 |
| Net charge-offs to loans | 0.1310% | 5,888 |
| Credit loss provision to net charge-offs | 675.8621% | 430 |
| Earnings coverage of net charge-offs (x) | 27.5034% | 827 |
| Efficiency ratio | 52.0212% | 7,382 |
| Assets per employee ($millions) | 3.8528% | 4,139 |
| Cash dividends to net income (ytd only)* | 42.6621% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0990% | 1,826 |
| Loan loss allowance to noncurrent loans | 171.7081% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.8624% | 5,380 |
| Noncurrent loans to loans | 1.2224% | 4,913 |
| Net loans and leases to total assets | 69.0639% | 3,473 |
| Net loans and leases to deposits | 76.3544% | 4,675 |
| Net loans and leases to core deposits | 97.2196% | 4,322 |
| Total domestic deposits to total assets | 90.4517% | 761 |
| Equity capital to assets | 8.7632% | 5,497 |
| Core capital (leverage) ratio | 9.0833% | 4,283 |
| Tier 1 risk-based capital ratio | 13.5078% | 3,815 |
| Total risk-based capital ratio | 14.7700% | 3,751 |
| Memoranda: | ||
| Average total assets | $145,570,600 | 4,020 |
| Average earning assets | $133,790,800 | 4,015 |
| Average equity | $13,110,600 | 4,486 |
| Average total loans | $110,656,000 | 3,679 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9445% | 331 |
| Cost of funding earning assets | 1.6538% | 5,143 |
| Net interest margin | 5.2907% | 255 |
| Noninterest income to average assets | 0.8952% | 2,000 |
| Noninterest expense to average assets | 3.4012% | 2,575 |
| Loan and lease loss provision to assets | 0.8180% | 2,327 |
| Net operating income to assets | 0.9994% | 2,057 |
| Return on assets (ROA) | 1.1155% | 1,751 |
| Pretax return on assets | 1.7104% | 952 |
| Return on Equity (ROE) | 12.2960% | 1,288 |
| Retained earnings to average equity (ytd only) | 4.6111% | 2,697 |
| Net charge-offs to loans | 0.1140% | 5,541 |
| Credit loss provision to net charge-offs | 926.3158% | 403 |
| Earnings coverage of net charge-offs (x) | 26.6112% | 1,014 |
| Efficiency ratio | 59.1401% | 6,542 |
| Assets per employee ($millions) | 3.7137% | 4,392 |
| Cash dividends to net income (ytd only)* | 62.5003% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9225% | 1,974 |
| Loan loss allowance to noncurrent loans | 109.0376% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 1.4134% | 4,276 |
| Noncurrent loans to loans | 1.7632% | 3,973 |
| Net loans and leases to total assets | 78.6195% | 1,460 |
| Net loans and leases to deposits | 86.8478% | 3,159 |
| Net loans and leases to core deposits | 111.6464% | 3,054 |
| Total domestic deposits to total assets | 90.5256% | 580 |
| Equity capital to assets | 9.0484% | 5,418 |
| Core capital (leverage) ratio | 9.0835% | 4,522 |
| Tier 1 risk-based capital ratio | 12.1514% | 4,838 |
| Total risk-based capital ratio | 13.4114% | 4,780 |
| Memoranda: | ||
| Average total assets | $143,435,500 | 4,079 |
| Average earning assets | $131,650,000 | 4,076 |
| Average equity | $13,012,000 | 4,529 |
| Average total loans | $111,140,750 | 3,713 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9875% | 326 |
| Cost of funding earning assets | 1.7074% | 5,231 |
| Net interest margin | 5.2800% | 253 |
| Noninterest income to average assets | 0.8995% | 1,994 |
| Noninterest expense to average assets | 3.0958% | 3,723 |
| Loan and lease loss provision to assets | 0.2518% | 4,558 |
| Net operating income to assets | 1.5497% | 756 |
| Return on assets (ROA) | 1.3933% | 1,109 |
| Pretax return on assets | 2.1347% | 400 |
| Return on Equity (ROE) | 15.3455% | 775 |
| Retained earnings to average equity (ytd only) | 7.6419% | 1,336 |
| Net charge-offs to loans | 0.0018% | 6,604 |
| Credit loss provision to net charge-offs | 18,000.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 1,878.0000% | 12 |
| Efficiency ratio | 54.0944% | 7,319 |
| Assets per employee ($millions) | 3.6845% | 4,364 |
| Cash dividends to net income (ytd only)* | 50.2008% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4773% | 3,315 |
| Loan loss allowance to noncurrent loans | 1,035.6688% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.1065% | 7,304 |
| Noncurrent loans to loans | 0.1426% | 7,160 |
| Net loans and leases to total assets | 73.5768% | 2,820 |
| Net loans and leases to deposits | 81.0924% | 4,377 |
| Net loans and leases to core deposits | 105.5215% | 3,894 |
| Total domestic deposits to total assets | 90.7320% | 544 |
| Equity capital to assets | 8.8996% | 5,454 |
| Core capital (leverage) ratio | 9.0499% | 4,553 |
| Tier 1 risk-based capital ratio | 12.6928% | 4,364 |
| Total risk-based capital ratio | 13.9450% | 4,278 |
| Memoranda: | ||
| Average total assets | $142,969,670 | 4,113 |
| Average earning assets | $130,605,000 | 4,122 |
| Average equity | $12,981,000 | 4,548 |
| Average total loans | $109,488,000 | 3,774 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2990% | 223 |
| Cost of funding earning assets | 1.8153% | 5,044 |
| Net interest margin | 5.4837% | 180 |
| Noninterest income to average assets | 0.8752% | 1,958 |
| Noninterest expense to average assets | 2.9922% | 3,804 |
| Loan and lease loss provision to assets | 0.2557% | 3,921 |
| Net operating income to assets | 1.6927% | 655 |
| Return on assets (ROA) | 1.4379% | 1,145 |
| Pretax return on assets | 2.1966% | 445 |
| Return on Equity (ROE) | 15.6735% | 872 |
| Retained earnings to average equity (ytd only) | 7.9297% | 1,841 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2658% | 7,483 |
| Assets per employee ($millions) | 3.7947% | 4,111 |
| Cash dividends to net income (ytd only)* | 49.4071% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 3,318 |
| Loan loss allowance to noncurrent loans | 3,842.5000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 7,537 |
| Noncurrent loans to loans | 0.0374% | 7,441 |
| Net loans and leases to total assets | 73.1945% | 2,964 |
| Net loans and leases to deposits | 80.9047% | 4,473 |
| Net loans and leases to core deposits | 105.9253% | 3,930 |
| Total domestic deposits to total assets | 90.4700% | 607 |
| Equity capital to assets | 9.0535% | 5,286 |
| Core capital (leverage) ratio | 9.1902% | 4,419 |
| Tier 1 risk-based capital ratio | 12.6584% | 4,428 |
| Total risk-based capital ratio | 13.9090% | 4,346 |
| Memoranda: | ||
| Average total assets | $140,765,500 | 4,175 |
| Average earning assets | $127,360,000 | 4,209 |
| Average equity | $12,913,500 | 4,600 |
| Average total loans | $109,201,000 | 3,806 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0116% | 187 |
| Cost of funding earning assets | 2.2821% | 5,237 |
| Net interest margin | 5.7295% | 149 |
| Noninterest income to average assets | 0.9549% | 1,745 |
| Noninterest expense to average assets | 3.1289% | 3,590 |
| Loan and lease loss provision to assets | 0.2021% | 4,871 |
| Net operating income to assets | 1.8644% | 471 |
| Return on assets (ROA) | 1.3942% | 1,192 |
| Pretax return on assets | 2.1179% | 469 |
| Return on Equity (ROE) | 15.1525% | 901 |
| Retained earnings to average equity (ytd only) | 7.5478% | 972 |
| Net charge-offs to loans | 0.0291% | 6,415 |
| Credit loss provision to net charge-offs | 843.7500% | 524 |
| Earnings coverage of net charge-offs (x) | 126.6250% | 354 |
| Efficiency ratio | 50.7834% | 7,605 |
| Assets per employee ($millions) | 3.7117% | 4,149 |
| Cash dividends to net income (ytd only)* | 50.1879% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 3,785 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 80.0048% | 1,661 |
| Net loans and leases to deposits | 88.6237% | 3,700 |
| Net loans and leases to core deposits | 112.0593% | 3,555 |
| Total domestic deposits to total assets | 90.2747% | 559 |
| Equity capital to assets | 9.3000% | 4,935 |
| Core capital (leverage) ratio | 9.2741% | 4,335 |
| Tier 1 risk-based capital ratio | 11.9358% | 4,875 |
| Total risk-based capital ratio | 13.1849% | 4,760 |
| Memoranda: | ||
| Average total assets | $133,626,000 | 4,210 |
| Average earning assets | $121,424,200 | 4,226 |
| Average equity | $12,295,000 | 4,757 |
| Average total loans | $110,111,200 | 3,675 |