Home > Colorado Valley Bank,SSB > Performance and Condition Ratios
Colorado Valley Bank,SSB, Performance and Condition Ratios
| 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 | 5.5284% | 679 |
| Cost of funding earning assets | 1.2540% | 635 |
| Net interest margin | 4.2744% | 1,538 |
| Noninterest income to average assets | 0.2091% | 6,066 |
| Noninterest expense to average assets | 5.1655% | 337 |
| Loan and lease loss provision to assets | 0.0139% | 5,487 |
| Net operating income to assets | -1.0735% | 6,929 |
| Return on assets (ROA) | -1.0735% | 6,945 |
| Pretax return on assets | -1.0735% | 6,917 |
| Return on Equity (ROE) | -18.3188% | 7,020 |
| Retained earnings to average equity (ytd only) | -18.3188% | 6,994 |
| Net charge-offs to loans | -0.0097% | 6,280 |
| Credit loss provision to net charge-offs | -200.0000% | 6,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.8065% | 190 |
| Assets per employee ($millions) | 1.9811% | 7,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6350% | 6,895 |
| Loan loss allowance to noncurrent loans | 139.5604% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.7788% | 4,847 |
| Noncurrent loans to loans | 0.4550% | 5,624 |
| Net loans and leases to total assets | 71.6470% | 1,619 |
| Net loans and leases to deposits | 84.3643% | 1,807 |
| Net loans and leases to core deposits | 86.7546% | 2,330 |
| Total domestic deposits to total assets | 84.9257% | 3,893 |
| Equity capital to assets | 5.8011% | 7,041 |
| Core capital (leverage) ratio | 5.6613% | 7,015 |
| Tier 1 risk-based capital ratio | 8.2874% | 7,026 |
| Total risk-based capital ratio | 8.9415% | 7,058 |
| Memoranda: | ||
| Average total assets | $28,690,330 | 6,922 |
| Average earning assets | $26,155,670 | 6,898 |
| Average equity | $1,681,330 | 7,150 |
| Average total loans | $20,583,330 | 6,535 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5750% | 659 |
| Cost of funding earning assets | 1.2555% | 761 |
| Net interest margin | 4.3195% | 1,408 |
| Noninterest income to average assets | 0.2194% | 6,042 |
| Noninterest expense to average assets | 5.4033% | 282 |
| Loan and lease loss provision to assets | 0.0274% | 5,015 |
| Net operating income to assets | -1.2480% | 7,040 |
| Return on assets (ROA) | -1.2480% | 7,054 |
| Pretax return on assets | -1.2480% | 7,027 |
| Return on Equity (ROE) | -21.1936% | 7,119 |
| Retained earnings to average equity (ytd only) | -21.1936% | 7,059 |
| Net charge-offs to loans | -0.0192% | 6,171 |
| Credit loss provision to net charge-offs | -200.0000% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.1803% | 166 |
| Assets per employee ($millions) | 1.9034% | 7,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6462% | 6,940 |
| Loan loss allowance to noncurrent loans | 78.3951% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.0052% | 4,478 |
| Noncurrent loans to loans | 0.8243% | 5,025 |
| Net loans and leases to total assets | 68.3899% | 2,047 |
| Net loans and leases to deposits | 80.4102% | 2,153 |
| Net loans and leases to core deposits | 82.6113% | 2,746 |
| Total domestic deposits to total assets | 85.0513% | 4,013 |
| Equity capital to assets | 5.8562% | 7,086 |
| Core capital (leverage) ratio | 5.7985% | 7,057 |
| Tier 1 risk-based capital ratio | 8.6808% | 7,065 |
| Total risk-based capital ratio | 9.3401% | 7,089 |
| Memoranda: | ||
| Average total assets | $29,167,500 | 6,969 |
| Average earning assets | $26,762,500 | 6,937 |
| Average equity | $1,717,500 | 7,196 |
| Average total loans | $20,875,500 | 6,569 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1823% | 2,139 |
| Cost of funding earning assets | 1.4867% | 753 |
| Net interest margin | 3.6956% | 4,316 |
| Noninterest income to average assets | 0.2413% | 5,815 |
| Noninterest expense to average assets | 6.1103% | 198 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -2.4555% | 7,108 |
| Return on assets (ROA) | -2.4555% | 7,114 |
| Pretax return on assets | -2.4555% | 7,113 |
| Return on Equity (ROE) | -40.4868% | 7,166 |
| Retained earnings to average equity (ytd only) | -40.4868% | 7,162 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 167.1845% | 101 |
| Assets per employee ($millions) | 1.9856% | 7,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5611% | 7,051 |
| Loan loss allowance to noncurrent loans | 73.8095% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 0.9837% | 4,645 |
| Noncurrent loans to loans | 0.7602% | 5,172 |
| Net loans and leases to total assets | 73.7779% | 1,311 |
| Net loans and leases to deposits | 87.6401% | 1,432 |
| Net loans and leases to core deposits | 89.9542% | 2,138 |
| Total domestic deposits to total assets | 84.1828% | 4,244 |
| Equity capital to assets | 5.9193% | 7,102 |
| Core capital (leverage) ratio | 6.0913% | 7,048 |
| Tier 1 risk-based capital ratio | 9.1632% | 7,009 |
| Total risk-based capital ratio | 9.8077% | 7,080 |
| Memoranda: | ||
| Average total assets | $28,181,800 | 7,020 |
| Average earning assets | $26,030,800 | 6,989 |
| Average equity | $1,709,200 | 7,252 |
| Average total loans | $17,952,800 | 6,753 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0799% | 2,710 |
| Cost of funding earning assets | 1.5630% | 682 |
| Net interest margin | 3.5169% | 5,119 |
| Noninterest income to average assets | 0.2543% | 5,800 |
| Noninterest expense to average assets | 6.2391% | 182 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -2.7452% | 7,245 |
| Return on assets (ROA) | -2.7452% | 7,257 |
| Pretax return on assets | -2.7452% | 7,249 |
| Return on Equity (ROE) | -44.9742% | 7,276 |
| Retained earnings to average equity (ytd only) | -44.9742% | 7,270 |
| Net charge-offs to loans | 0.0079% | 6,056 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -573.4211% | 6,183 |
| Efficiency ratio | 178.5714% | 77 |
| Assets per employee ($millions) | 1.7551% | 7,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5854% | 7,099 |
| Loan loss allowance to noncurrent loans | 55.1570% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 0.7941% | 5,183 |
| Noncurrent loans to loans | 1.0614% | 4,788 |
| Net loans and leases to total assets | 74.3786% | 1,257 |
| Net loans and leases to deposits | 89.9488% | 1,218 |
| Net loans and leases to core deposits | 91.1419% | 2,103 |
| Total domestic deposits to total assets | 82.6900% | 4,801 |
| Equity capital to assets | 6.7054% | 7,103 |
| Core capital (leverage) ratio | 6.8101% | 7,005 |
| Tier 1 risk-based capital ratio | 10.5461% | 6,759 |
| Total risk-based capital ratio | 11.2349% | 6,944 |
| Memoranda: | ||
| Average total assets | $27,781,250 | 7,099 |
| Average earning assets | $25,590,500 | 7,067 |
| Average equity | $1,695,750 | 7,327 |
| Average total loans | $16,916,500 | 6,874 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9227% | 3,520 |
| Cost of funding earning assets | 1.5438% | 855 |
| Net interest margin | 3.3790% | 5,611 |
| Noninterest income to average assets | 0.2673% | 5,737 |
| Noninterest expense to average assets | 6.3004% | 177 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -2.9334% | 7,301 |
| Return on assets (ROA) | -2.9334% | 7,305 |
| Pretax return on assets | -2.9334% | 7,298 |
| Return on Equity (ROE) | -49.7144% | 7,347 |
| Retained earnings to average equity (ytd only) | -49.7144% | 7,344 |
| Net charge-offs to loans | 0.0129% | 5,668 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -406.0000% | 5,873 |
| Efficiency ratio | 187.1245% | 73 |
| Assets per employee ($millions) | 1.5680% | 7,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7260% | 6,986 |
| Loan loss allowance to noncurrent loans | 125.5102% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 6,264 |
| Noncurrent loans to loans | 0.5784% | 5,772 |
| Net loans and leases to total assets | 59.5911% | 4,350 |
| Net loans and leases to deposits | 71.8853% | 4,130 |
| Net loans and leases to core deposits | 73.6255% | 4,627 |
| Total domestic deposits to total assets | 82.8975% | 4,799 |
| Equity capital to assets | 6.5299% | 7,179 |
| Core capital (leverage) ratio | 6.6790% | 7,084 |
| Tier 1 risk-based capital ratio | 11.3920% | 6,258 |
| Total risk-based capital ratio | 12.1523% | 6,565 |
| Memoranda: | ||
| Average total assets | $27,681,000 | 7,169 |
| Average earning assets | $25,392,330 | 7,137 |
| Average equity | $1,633,330 | 7,410 |
| Average total loans | $15,552,000 | 7,010 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8158% | 3,986 |
| Cost of funding earning assets | 1.6855% | 590 |
| Net interest margin | 3.1303% | 6,266 |
| Noninterest income to average assets | 0.2773% | 5,686 |
| Noninterest expense to average assets | 6.0271% | 194 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -2.9041% | 7,384 |
| Return on assets (ROA) | -2.9041% | 7,389 |
| Pretax return on assets | -2.9041% | 7,368 |
| Return on Equity (ROE) | -52.0772% | 7,423 |
| Retained earnings to average equity (ytd only) | -52.0772% | 7,411 |
| Net charge-offs to loans | -0.0538% | 6,907 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 192.9907% | 74 |
| Assets per employee ($millions) | 1.7022% | 7,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8088% | 6,897 |
| Loan loss allowance to noncurrent loans | 113.5135% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4076% | 6,186 |
| Noncurrent loans to loans | 0.7125% | 5,587 |
| Net loans and leases to total assets | 56.7395% | 4,865 |
| Net loans and leases to deposits | 66.6911% | 4,879 |
| Net loans and leases to core deposits | 69.0853% | 5,154 |
| Total domestic deposits to total assets | 85.0780% | 3,996 |
| Equity capital to assets | 5.5039% | 7,339 |
| Core capital (leverage) ratio | 5.5019% | 7,314 |
| Tier 1 risk-based capital ratio | 9.4295% | 7,163 |
| Total risk-based capital ratio | 10.2221% | 7,228 |
| Memoranda: | ||
| Average total assets | $27,409,500 | 7,224 |
| Average earning assets | $24,918,000 | 7,200 |
| Average equity | $1,528,500 | 7,482 |
| Average total loans | $14,857,000 | 7,101 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6536% | 1,738 |
| Cost of funding earning assets | 2.0744% | 465 |
| Net interest margin | 3.5792% | 4,915 |
| Noninterest income to average assets | 0.3018% | 5,637 |
| Noninterest expense to average assets | 6.2031% | 209 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -3.0288% | 7,301 |
| Return on assets (ROA) | -3.0288% | 7,319 |
| Pretax return on assets | -2.7707% | 7,236 |
| Return on Equity (ROE) | -47.3080% | 7,406 |
| Retained earnings to average equity (ytd only) | -47.3080% | 7,402 |
| Net charge-offs to loans | 0.1232% | 5,658 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | -38.1000% | 6,835 |
| Efficiency ratio | 180.7203% | 119 |
| Assets per employee ($millions) | 1.7240% | 7,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8773% | 6,781 |
| Loan loss allowance to noncurrent loans | 119.2308% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.3770% | 6,329 |
| Noncurrent loans to loans | 0.7358% | 5,577 |
| Net loans and leases to total assets | 50.7939% | 6,071 |
| Net loans and leases to deposits | 59.8633% | 6,071 |
| Net loans and leases to core deposits | 60.6406% | 6,345 |
| Total domestic deposits to total assets | 84.8499% | 3,926 |
| Equity capital to assets | 5.6482% | 7,386 |
| Core capital (leverage) ratio | 5.6484% | 7,349 |
| Tier 1 risk-based capital ratio | 11.9241% | 5,545 |
| Total risk-based capital ratio | 12.8731% | 5,802 |
| Memoranda: | ||
| Average total assets | $27,502,400 | 7,275 |
| Average earning assets | $24,055,400 | 7,286 |
| Average equity | $1,760,800 | 7,546 |
| Average total loans | $16,228,800 | 7,109 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7786% | 1,460 |
| Cost of funding earning assets | 2.1425% | 461 |
| Net interest margin | 3.6361% | 4,695 |
| Noninterest income to average assets | 0.3153% | 5,628 |
| Noninterest expense to average assets | 5.8316% | 231 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -2.7411% | 7,397 |
| Return on assets (ROA) | -2.7411% | 7,415 |
| Pretax return on assets | -2.3627% | 7,284 |
| Return on Equity (ROE) | -41.5849% | 7,511 |
| Retained earnings to average equity (ytd only) | -41.5849% | 7,509 |
| Net charge-offs to loans | 0.0557% | 5,960 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -69.5949% | 6,663 |
| Efficiency ratio | 168.1119% | 141 |
| Assets per employee ($millions) | 1.9652% | 7,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 6,846 |
| Loan loss allowance to noncurrent loans | 1,133.3333% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 7,250 |
| Noncurrent loans to loans | 0.0765% | 7,052 |
| Net loans and leases to total assets | 52.7444% | 6,006 |
| Net loans and leases to deposits | 61.3116% | 6,183 |
| Net loans and leases to core deposits | 65.1853% | 6,195 |
| Total domestic deposits to total assets | 86.0269% | 3,058 |
| Equity capital to assets | 5.0885% | 7,571 |
| Core capital (leverage) ratio | 5.3767% | 7,509 |
| Tier 1 risk-based capital ratio | 10.3128% | 6,888 |
| Total risk-based capital ratio | 11.2479% | 7,057 |
| Memoranda: | ||
| Average total assets | $27,482,000 | 7,373 |
| Average earning assets | $23,834,500 | 7,385 |
| Average equity | $1,811,500 | 7,636 |
| Average total loans | $16,752,250 | 7,182 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0167% | 909 |
| Cost of funding earning assets | 2.2204% | 434 |
| Net interest margin | 3.7964% | 3,906 |
| Noninterest income to average assets | 0.2909% | 5,818 |
| Noninterest expense to average assets | 5.8247% | 235 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -2.2822% | 7,370 |
| Return on assets (ROA) | -2.2822% | 7,381 |
| Pretax return on assets | -2.2822% | 7,316 |
| Return on Equity (ROE) | -31.9527% | 7,455 |
| Retained earnings to average equity (ytd only) | -31.9527% | 7,444 |
| Net charge-offs to loans | 0.0818% | 5,321 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -43.7143% | 6,354 |
| Efficiency ratio | 164.4211% | 164 |
| Assets per employee ($millions) | 1.8320% | 7,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8265% | 6,972 |
| Loan loss allowance to noncurrent loans | 148.9130% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 6,585 |
| Noncurrent loans to loans | 0.5551% | 6,140 |
| Net loans and leases to total assets | 59.8180% | 5,095 |
| Net loans and leases to deposits | 71.1325% | 5,126 |
| Net loans and leases to core deposits | 75.2208% | 5,293 |
| Total domestic deposits to total assets | 84.0939% | 4,072 |
| Equity capital to assets | 6.4010% | 7,481 |
| Core capital (leverage) ratio | 6.4296% | 7,398 |
| Tier 1 risk-based capital ratio | 11.2174% | 6,022 |
| Total risk-based capital ratio | 12.0911% | 6,402 |
| Memoranda: | ||
| Average total assets | $26,816,670 | 7,446 |
| Average earning assets | $22,969,330 | 7,476 |
| Average equity | $1,915,330 | 7,677 |
| Average total loans | $17,108,330 | 7,217 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2393% | 587 |
| Cost of funding earning assets | 2.2901% | 446 |
| Net interest margin | 3.9491% | 3,106 |
| Noninterest income to average assets | 0.2719% | 5,981 |
| Noninterest expense to average assets | 5.7693% | 240 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -2.1899% | 7,502 |
| Return on assets (ROA) | -2.1899% | 7,508 |
| Pretax return on assets | -2.1899% | 7,457 |
| Return on Equity (ROE) | -29.0946% | 7,560 |
| Retained earnings to average equity (ytd only) | -29.0946% | 7,530 |
| Net charge-offs to loans | 0.2072% | 3,674 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -16.1111% | 5,574 |
| Efficiency ratio | 161.1814% | 174 |
| Assets per employee ($millions) | 1.8900% | 7,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7788% | 7,180 |
| Loan loss allowance to noncurrent loans | 170.8861% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 6,733 |
| Noncurrent loans to loans | 0.4557% | 6,385 |
| Net loans and leases to total assets | 65.0038% | 4,100 |
| Net loans and leases to deposits | 78.3421% | 3,974 |
| Net loans and leases to core deposits | 83.0878% | 4,326 |
| Total domestic deposits to total assets | 82.9743% | 4,639 |
| Equity capital to assets | 7.2600% | 7,240 |
| Core capital (leverage) ratio | 7.3799% | 6,954 |
| Tier 1 risk-based capital ratio | 11.3938% | 5,774 |
| Total risk-based capital ratio | 12.1945% | 6,188 |
| Memoranda: | ||
| Average total assets | $26,485,000 | 7,542 |
| Average earning assets | $22,182,000 | 7,592 |
| Average equity | $1,993,500 | 7,749 |
| Average total loans | $17,375,000 | 7,292 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7683% | 405 |
| Cost of funding earning assets | 2.6405% | 689 |
| Net interest margin | 4.1278% | 2,330 |
| Noninterest income to average assets | 0.4300% | 4,959 |
| Noninterest expense to average assets | 5.8876% | 325 |
| Loan and lease loss provision to assets | 0.3082% | 4,972 |
| Net operating income to assets | -1.1037% | 6,644 |
| Return on assets (ROA) | -1.1037% | 6,649 |
| Pretax return on assets | -2.2253% | 7,032 |
| Return on Equity (ROE) | -14.0974% | 6,883 |
| Retained earnings to average equity (ytd only) | -14.0974% | 6,823 |
| Net charge-offs to loans | 0.3032% | 4,738 |
| Credit loss provision to net charge-offs | 156.3636% | 2,891 |
| Earnings coverage of net charge-offs (x) | -9.7273% | 7,161 |
| Efficiency ratio | 148.2852% | 326 |
| Assets per employee ($millions) | 1.6569% | 7,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8269% | 7,056 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 65.1490% | 4,349 |
| Net loans and leases to deposits | 79.0797% | 4,160 |
| Net loans and leases to core deposits | 108.5748% | 3,046 |
| Total domestic deposits to total assets | 82.3840% | 4,782 |
| Equity capital to assets | 7.7933% | 6,773 |
| Core capital (leverage) ratio | 7.6386% | 6,634 |
| Tier 1 risk-based capital ratio | 12.2648% | 4,715 |
| Total risk-based capital ratio | 13.1196% | 5,025 |
| Memoranda: | ||
| Average total assets | $27,906,200 | 7,554 |
| Average earning assets | $23,935,200 | 7,584 |
| Average equity | $2,184,800 | 7,806 |
| Average total loans | $18,137,800 | 7,305 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8860% | 360 |
| Cost of funding earning assets | 2.7699% | 648 |
| Net interest margin | 4.1162% | 2,331 |
| Noninterest income to average assets | 0.4577% | 4,846 |
| Noninterest expense to average assets | 5.3794% | 393 |
| Loan and lease loss provision to assets | 0.4058% | 3,886 |
| Net operating income to assets | -1.0995% | 6,897 |
| Return on assets (ROA) | -1.0995% | 6,902 |
| Pretax return on assets | -1.8073% | 7,091 |
| Return on Equity (ROE) | -14.0284% | 7,135 |
| Retained earnings to average equity (ytd only) | -14.0284% | 7,076 |
| Net charge-offs to loans | 0.4003% | 3,662 |
| Credit loss provision to net charge-offs | 156.3636% | 3,046 |
| Earnings coverage of net charge-offs (x) | -5.4001% | 6,859 |
| Efficiency ratio | 135.2313% | 422 |
| Assets per employee ($millions) | 1.6531% | 7,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7848% | 7,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 68.8306% | 3,762 |
| Net loans and leases to deposits | 83.9791% | 3,648 |
| Net loans and leases to core deposits | 115.5286% | 2,671 |
| Total domestic deposits to total assets | 81.9615% | 4,693 |
| Equity capital to assets | 8.0948% | 6,749 |
| Core capital (leverage) ratio | 7.6084% | 6,849 |
| Tier 1 risk-based capital ratio | 12.6686% | 4,421 |
| Total risk-based capital ratio | 13.5207% | 4,671 |
| Memoranda: | ||
| Average total assets | $28,255,250 | 7,600 |
| Average earning assets | $24,164,250 | 7,642 |
| Average equity | $2,214,500 | 7,880 |
| Average total loans | $18,318,500 | 7,363 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8659% | 400 |
| Cost of funding earning assets | 2.7903% | 813 |
| Net interest margin | 4.0756% | 2,413 |
| Noninterest income to average assets | 0.5129% | 4,331 |
| Noninterest expense to average assets | 5.1980% | 451 |
| Loan and lease loss provision to assets | 0.4574% | 3,240 |
| Net operating income to assets | -0.6307% | 6,688 |
| Return on assets (ROA) | -0.6307% | 6,689 |
| Pretax return on assets | -1.6703% | 7,158 |
| Return on Equity (ROE) | -8.1286% | 6,897 |
| Retained earnings to average equity (ytd only) | -8.1286% | 6,681 |
| Net charge-offs to loans | 0.5353% | 2,725 |
| Credit loss provision to net charge-offs | 134.6939% | 3,461 |
| Earnings coverage of net charge-offs (x) | -3.5714% | 6,424 |
| Efficiency ratio | 130.4348% | 524 |
| Assets per employee ($millions) | 1.8945% | 7,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6978% | 7,430 |
| Loan loss allowance to noncurrent loans | 1,612.5000% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 7,548 |
| Noncurrent loans to loans | 0.0433% | 7,431 |
| Net loans and leases to total assets | 64.5987% | 4,859 |
| Net loans and leases to deposits | 91.7300% | 2,516 |
| Net loans and leases to core deposits | 115.3150% | 2,779 |
| Total domestic deposits to total assets | 70.4226% | 7,426 |
| Equity capital to assets | 8.0374% | 6,707 |
| Core capital (leverage) ratio | 7.9113% | 6,474 |
| Tier 1 risk-based capital ratio | 12.6439% | 4,400 |
| Total risk-based capital ratio | 13.3581% | 4,746 |
| Memoranda: | ||
| Average total assets | $28,857,330 | 7,649 |
| Average earning assets | $24,585,330 | 7,700 |
| Average equity | $2,239,000 | 7,949 |
| Average total loans | $18,308,330 | 7,432 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1222% | 277 |
| Cost of funding earning assets | 2.8554% | 857 |
| Net interest margin | 4.2668% | 1,684 |
| Noninterest income to average assets | 0.5090% | 4,242 |
| Noninterest expense to average assets | 4.8147% | 551 |
| Loan and lease loss provision to assets | 0.9079% | 1,444 |
| Net operating income to assets | -1.6370% | 7,556 |
| Return on assets (ROA) | -1.6370% | 7,556 |
| Pretax return on assets | -1.6370% | 7,417 |
| Return on Equity (ROE) | -21.4753% | 7,785 |
| Retained earnings to average equity (ytd only) | -21.4753% | 7,688 |
| Net charge-offs to loans | 1.0758% | 1,264 |
| Credit loss provision to net charge-offs | 134.6939% | 3,007 |
| Earnings coverage of net charge-offs (x) | -1.0816% | 5,381 |
| Efficiency ratio | 117.8451% | 661 |
| Assets per employee ($millions) | 1.9474% | 7,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7035% | 7,435 |
| 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% | 7,590 |
| Net loans and leases to total assets | 62.3293% | 5,266 |
| Net loans and leases to deposits | 87.3866% | 3,402 |
| Net loans and leases to core deposits | 107.1252% | 3,780 |
| Total domestic deposits to total assets | 71.3259% | 7,298 |
| Equity capital to assets | 7.7231% | 7,158 |
| Core capital (leverage) ratio | 7.9122% | 6,595 |
| Tier 1 risk-based capital ratio | 12.4051% | 4,611 |
| Total risk-based capital ratio | 13.1145% | 4,975 |
| Memoranda: | ||
| Average total assets | $29,077,500 | 7,685 |
| Average earning assets | $24,374,500 | 7,752 |
| Average equity | $2,216,500 | 8,009 |
| Average total loans | $18,219,500 | 7,477 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1805% | 775 |
| Cost of funding earning assets | 3.2806% | 975 |
| Net interest margin | 3.8999% | 3,567 |
| Noninterest income to average assets | 0.5756% | 4,043 |
| Noninterest expense to average assets | 5.2934% | 551 |
| Loan and lease loss provision to assets | -0.0965% | 8,254 |
| Net operating income to assets | -1.3109% | 7,395 |
| Return on assets (ROA) | -0.2761% | 6,565 |
| Pretax return on assets | -0.2761% | 6,441 |
| Return on Equity (ROE) | -3.7550% | 6,713 |
| Retained earnings to average equity (ytd only) | -3.7550% | 6,275 |
| Net charge-offs to loans | 0.2251% | 3,985 |
| Credit loss provision to net charge-offs | -70.7317% | 7,296 |
| Earnings coverage of net charge-offs (x) | -10.3171% | 6,896 |
| Efficiency ratio | 136.2158% | 425 |
| Assets per employee ($millions) | 1.9296% | 7,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6187% | 7,641 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 7,483 |
| Noncurrent loans to loans | 0.0442% | 7,330 |
| Net loans and leases to total assets | 62.1580% | 5,603 |
| Net loans and leases to deposits | 87.0982% | 3,928 |
| Net loans and leases to core deposits | 105.1490% | 4,283 |
| Total domestic deposits to total assets | 71.3654% | 7,109 |
| Equity capital to assets | 7.5214% | 7,362 |
| Core capital (leverage) ratio | 7.4662% | 7,242 |
| Tier 1 risk-based capital ratio | 11.9734% | 4,843 |
| Total risk-based capital ratio | 12.5894% | 5,305 |
| Memoranda: | ||
| Average total assets | $30,056,400 | 7,647 |
| Average earning assets | $25,513,600 | 7,714 |
| Average equity | $2,210,400 | 8,072 |
| Average total loans | $18,218,000 | 7,448 |