Home > North Valley Bank > Performance and Condition Ratios
North Valley 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 | 3.8175% | 4,482 |
| Cost of funding earning assets | 0.1051% | 6,394 |
| Net interest margin | 3.7123% | 2,974 |
| Noninterest income to average assets | 1.2556% | 767 |
| Noninterest expense to average assets | 3.5434% | 1,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7348% | 3,755 |
| Return on assets (ROA) | 0.7404% | 3,833 |
| Pretax return on assets | 1.0658% | 3,319 |
| Return on Equity (ROE) | 6.0663% | 4,199 |
| Retained earnings to average equity (ytd only) | 6.0663% | 2,369 |
| Net charge-offs to loans | 0.1682% | 2,117 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 11.3391% | 2,435 |
| Efficiency ratio | 76.6687% | 2,389 |
| Assets per employee ($millions) | 3.3039% | 5,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 2,028 |
| Loan loss allowance to noncurrent loans | 191.5063% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5673% | 4,155 |
| Noncurrent loans to loans | 0.8784% | 3,376 |
| Net loans and leases to total assets | 54.8973% | 4,473 |
| Net loans and leases to deposits | 64.1177% | 4,524 |
| Net loans and leases to core deposits | 65.9811% | 4,716 |
| Total domestic deposits to total assets | 85.6196% | 3,062 |
| Equity capital to assets | 12.5904% | 1,643 |
| Core capital (leverage) ratio | 12.4261% | 1,443 |
| Tier 1 risk-based capital ratio | 18.2893% | 2,118 |
| Total risk-based capital ratio | 19.5412% | 2,080 |
| Memoranda: | ||
| Average total assets | $919,091,000 | 729 |
| Average earning assets | $828,278,000 | 737 |
| Average equity | $112,180,000 | 653 |
| Average total loans | $509,650,500 | 878 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8544% | 4,314 |
| Cost of funding earning assets | 0.1075% | 6,459 |
| Net interest margin | 3.7469% | 2,774 |
| Noninterest income to average assets | 1.2529% | 744 |
| Noninterest expense to average assets | 3.5853% | 1,320 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7152% | 3,759 |
| Return on assets (ROA) | 0.7236% | 3,806 |
| Pretax return on assets | 1.0492% | 3,281 |
| Return on Equity (ROE) | 5.9917% | 4,151 |
| Retained earnings to average equity (ytd only) | 5.9917% | 2,330 |
| Net charge-offs to loans | 0.1138% | 2,525 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 16.4740% | 1,792 |
| Efficiency ratio | 77.2207% | 2,421 |
| Assets per employee ($millions) | 3.3421% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7789% | 1,900 |
| Loan loss allowance to noncurrent loans | 206.8871% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 4,432 |
| Noncurrent loans to loans | 0.8598% | 3,552 |
| Net loans and leases to total assets | 53.5557% | 4,590 |
| Net loans and leases to deposits | 62.2831% | 4,665 |
| Net loans and leases to core deposits | 64.7075% | 4,753 |
| Total domestic deposits to total assets | 85.9875% | 3,040 |
| Equity capital to assets | 12.3024% | 1,774 |
| Core capital (leverage) ratio | 12.2946% | 1,503 |
| Tier 1 risk-based capital ratio | 17.9806% | 2,249 |
| Total risk-based capital ratio | 19.2332% | 2,217 |
| Memoranda: | ||
| Average total assets | $918,189,330 | 732 |
| Average earning assets | $825,703,330 | 743 |
| Average equity | $110,887,330 | 653 |
| Average total loans | $507,967,670 | 875 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9631% | 3,842 |
| Cost of funding earning assets | 0.1103% | 6,531 |
| Net interest margin | 3.8527% | 2,263 |
| Noninterest income to average assets | 1.2678% | 688 |
| Noninterest expense to average assets | 3.6721% | 1,173 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6679% | 3,854 |
| Return on assets (ROA) | 0.6679% | 3,941 |
| Pretax return on assets | 1.0549% | 3,112 |
| Return on Equity (ROE) | 5.5835% | 4,238 |
| Retained earnings to average equity (ytd only) | 5.5835% | 2,747 |
| Net charge-offs to loans | 0.1911% | 1,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 9.9053% | 1,905 |
| Efficiency ratio | 77.3503% | 2,584 |
| Assets per employee ($millions) | 3.0540% | 5,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7829% | 2,093 |
| Loan loss allowance to noncurrent loans | 188.5120% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.8146% | 3,699 |
| Noncurrent loans to loans | 0.9458% | 3,523 |
| Net loans and leases to total assets | 54.6467% | 4,330 |
| Net loans and leases to deposits | 63.3668% | 4,392 |
| Net loans and leases to core deposits | 65.8002% | 4,503 |
| Total domestic deposits to total assets | 86.2387% | 3,237 |
| Equity capital to assets | 12.1063% | 1,801 |
| Core capital (leverage) ratio | 12.1400% | 1,582 |
| Tier 1 risk-based capital ratio | 17.7941% | 2,379 |
| Total risk-based capital ratio | 19.0470% | 2,347 |
| Memoranda: | ||
| Average total assets | $912,729,000 | 742 |
| Average earning assets | $819,469,000 | 756 |
| Average equity | $109,179,500 | 661 |
| Average total loans | $508,650,000 | 865 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0190% | 4,025 |
| Cost of funding earning assets | 0.1355% | 6,589 |
| Net interest margin | 3.8835% | 2,355 |
| Noninterest income to average assets | 1.2610% | 872 |
| Noninterest expense to average assets | 3.8350% | 1,083 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5584% | 4,460 |
| Return on assets (ROA) | 0.5977% | 4,388 |
| Pretax return on assets | 0.9170% | 3,690 |
| Return on Equity (ROE) | 4.8675% | 4,687 |
| Retained earnings to average equity (ytd only) | 0.8285% | 5,464 |
| Net charge-offs to loans | 0.2311% | 2,610 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 6.7174% | 3,000 |
| Efficiency ratio | 81.3992% | 1,960 |
| Assets per employee ($millions) | 3.0718% | 5,724 |
| Cash dividends to net income (ytd only)* | 82.9799% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8264% | 1,986 |
| Loan loss allowance to noncurrent loans | 182.6232% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.9368% | 3,562 |
| Noncurrent loans to loans | 1.0001% | 3,513 |
| Net loans and leases to total assets | 54.7988% | 4,489 |
| Net loans and leases to deposits | 63.2351% | 4,590 |
| Net loans and leases to core deposits | 65.4092% | 4,743 |
| Total domestic deposits to total assets | 86.6589% | 2,899 |
| Equity capital to assets | 11.8173% | 1,933 |
| Core capital (leverage) ratio | 11.9037% | 1,674 |
| Tier 1 risk-based capital ratio | 17.4232% | 2,444 |
| Total risk-based capital ratio | 18.6764% | 2,417 |
| Memoranda: | ||
| Average total assets | $907,325,600 | 730 |
| Average earning assets | $801,520,800 | 753 |
| Average equity | $111,412,600 | 631 |
| Average total loans | $500,685,400 | 852 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0175% | 4,063 |
| Cost of funding earning assets | 0.1382% | 6,677 |
| Net interest margin | 3.8794% | 2,346 |
| Noninterest income to average assets | 1.3478% | 803 |
| Noninterest expense to average assets | 3.8871% | 981 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5554% | 4,555 |
| Return on assets (ROA) | 0.6070% | 4,444 |
| Pretax return on assets | 0.9534% | 3,677 |
| Return on Equity (ROE) | 4.8969% | 4,775 |
| Retained earnings to average equity (ytd only) | 3.1162% | 4,457 |
| Net charge-offs to loans | 0.3065% | 2,004 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.1754% | 3,264 |
| Efficiency ratio | 81.3275% | 1,927 |
| Assets per employee ($millions) | 2.9941% | 5,857 |
| Cash dividends to net income (ytd only)* | 36.3637% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8291% | 2,208 |
| Loan loss allowance to noncurrent loans | 178.5276% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 2.2333% | 1,778 |
| Noncurrent loans to loans | 1.0246% | 3,751 |
| Net loans and leases to total assets | 55.0892% | 4,444 |
| Net loans and leases to deposits | 64.0583% | 4,515 |
| Net loans and leases to core deposits | 66.5546% | 4,662 |
| Total domestic deposits to total assets | 85.9986% | 3,251 |
| Equity capital to assets | 12.3459% | 1,675 |
| Core capital (leverage) ratio | 12.1705% | 1,575 |
| Tier 1 risk-based capital ratio | 17.2905% | 2,590 |
| Total risk-based capital ratio | 18.5437% | 2,557 |
| Memoranda: | ||
| Average total assets | $906,076,000 | 730 |
| Average earning assets | $796,950,500 | 759 |
| Average equity | $112,312,750 | 634 |
| Average total loans | $498,545,750 | 850 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9791% | 4,192 |
| Cost of funding earning assets | 0.1429% | 6,732 |
| Net interest margin | 3.8363% | 2,421 |
| Noninterest income to average assets | 1.5069% | 687 |
| Noninterest expense to average assets | 3.9517% | 917 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6035% | 4,257 |
| Return on assets (ROA) | 0.6815% | 4,065 |
| Pretax return on assets | 1.0494% | 3,296 |
| Return on Equity (ROE) | 5.4903% | 4,464 |
| Retained earnings to average equity (ytd only) | 2.8217% | 4,519 |
| Net charge-offs to loans | 0.3761% | 1,703 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.5209% | 3,106 |
| Efficiency ratio | 80.6279% | 2,072 |
| Assets per employee ($millions) | 2.9638% | 5,908 |
| Cash dividends to net income (ytd only)* | 48.6066% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8893% | 2,140 |
| Loan loss allowance to noncurrent loans | 162.2722% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 2.4314% | 1,751 |
| Noncurrent loans to loans | 1.1642% | 3,612 |
| Net loans and leases to total assets | 54.1984% | 4,564 |
| Net loans and leases to deposits | 64.5758% | 4,425 |
| Net loans and leases to core deposits | 66.9116% | 4,601 |
| Total domestic deposits to total assets | 83.9299% | 4,348 |
| Equity capital to assets | 11.9732% | 1,931 |
| Core capital (leverage) ratio | 12.0356% | 1,594 |
| Tier 1 risk-based capital ratio | 17.2300% | 2,624 |
| Total risk-based capital ratio | 18.4836% | 2,595 |
| Memoranda: | ||
| Average total assets | $905,695,000 | 730 |
| Average earning assets | $796,602,670 | 762 |
| Average equity | $112,415,670 | 635 |
| Average total loans | $495,030,330 | 855 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9674% | 4,241 |
| Cost of funding earning assets | 0.1508% | 6,798 |
| Net interest margin | 3.8167% | 2,388 |
| Noninterest income to average assets | 1.6858% | 551 |
| Noninterest expense to average assets | 4.1161% | 780 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5995% | 4,212 |
| Return on assets (ROA) | 0.7560% | 3,541 |
| Pretax return on assets | 1.1666% | 2,698 |
| Return on Equity (ROE) | 5.9838% | 4,056 |
| Retained earnings to average equity (ytd only) | 5.9838% | 2,683 |
| Net charge-offs to loans | 0.6582% | 931 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.5874% | 2,997 |
| Efficiency ratio | 81.3209% | 2,149 |
| Assets per employee ($millions) | 2.9420% | 6,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9752% | 2,109 |
| Loan loss allowance to noncurrent loans | 149.6511% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 3.0695% | 1,447 |
| Noncurrent loans to loans | 1.3199% | 3,583 |
| Net loans and leases to total assets | 52.8560% | 4,577 |
| Net loans and leases to deposits | 61.7096% | 4,591 |
| Net loans and leases to core deposits | 63.8406% | 4,758 |
| Total domestic deposits to total assets | 85.6528% | 3,707 |
| Equity capital to assets | 12.6433% | 1,625 |
| Core capital (leverage) ratio | 12.1238% | 1,502 |
| Tier 1 risk-based capital ratio | 17.4193% | 2,594 |
| Total risk-based capital ratio | 18.6800% | 2,549 |
| Memoranda: | ||
| Average total assets | $902,120,500 | 736 |
| Average earning assets | $793,259,500 | 772 |
| Average equity | $113,975,000 | 639 |
| Average total loans | $490,408,500 | 862 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2411% | 4,434 |
| Cost of funding earning assets | 0.2732% | 6,577 |
| Net interest margin | 3.9679% | 2,536 |
| Noninterest income to average assets | 1.3591% | 842 |
| Noninterest expense to average assets | 3.9523% | 1,035 |
| Loan and lease loss provision to assets | 0.2334% | 2,799 |
| Net operating income to assets | 0.7135% | 3,679 |
| Return on assets (ROA) | 0.9222% | 2,936 |
| Pretax return on assets | 0.8901% | 3,956 |
| Return on Equity (ROE) | 7.1268% | 3,565 |
| Retained earnings to average equity (ytd only) | -7.0478% | 6,531 |
| Net charge-offs to loans | 0.9175% | 1,226 |
| Credit loss provision to net charge-offs | 48.8599% | 4,726 |
| Earnings coverage of net charge-offs (x) | 1.9148% | 4,461 |
| Efficiency ratio | 80.8702% | 2,024 |
| Assets per employee ($millions) | 2.8421% | 6,254 |
| Cash dividends to net income (ytd only)* | 198.8910% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1247% | 1,699 |
| Loan loss allowance to noncurrent loans | 179.2288% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 3.1465% | 1,485 |
| Noncurrent loans to loans | 1.1855% | 3,875 |
| Net loans and leases to total assets | 53.6420% | 4,667 |
| Net loans and leases to deposits | 62.5974% | 4,708 |
| Net loans and leases to core deposits | 65.1855% | 4,818 |
| Total domestic deposits to total assets | 85.6935% | 3,516 |
| Equity capital to assets | 12.6249% | 1,627 |
| Core capital (leverage) ratio | 11.7587% | 1,699 |
| Tier 1 risk-based capital ratio | 16.9999% | 2,653 |
| Total risk-based capital ratio | 18.2638% | 2,612 |
| Memoranda: | ||
| Average total assets | $899,610,800 | 730 |
| Average earning assets | $795,338,200 | 752 |
| Average equity | $116,405,800 | 616 |
| Average total loans | $468,446,400 | 877 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2543% | 4,628 |
| Cost of funding earning assets | 0.3022% | 6,607 |
| Net interest margin | 3.9522% | 2,698 |
| Noninterest income to average assets | 1.4133% | 751 |
| Noninterest expense to average assets | 3.8648% | 1,111 |
| Loan and lease loss provision to assets | 0.3111% | 2,122 |
| Net operating income to assets | 0.8511% | 3,209 |
| Return on assets (ROA) | 1.0964% | 2,303 |
| Pretax return on assets | 0.9859% | 3,769 |
| Return on Equity (ROE) | 8.4223% | 3,076 |
| Retained earnings to average equity (ytd only) | -10.3547% | 6,826 |
| Net charge-offs to loans | 0.9597% | 1,115 |
| Credit loss provision to net charge-offs | 63.0820% | 4,072 |
| Earnings coverage of net charge-offs (x) | 2.1325% | 4,199 |
| Efficiency ratio | 78.2807% | 2,359 |
| Assets per employee ($millions) | 2.7488% | 6,434 |
| Cash dividends to net income (ytd only)* | 222.9429% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3325% | 1,460 |
| Loan loss allowance to noncurrent loans | 98.6873% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 3.7470% | 1,322 |
| Noncurrent loans to loans | 2.3635% | 2,441 |
| Net loans and leases to total assets | 53.8901% | 4,766 |
| Net loans and leases to deposits | 63.0471% | 4,835 |
| Net loans and leases to core deposits | 65.2738% | 5,027 |
| Total domestic deposits to total assets | 85.4760% | 3,523 |
| Equity capital to assets | 12.8922% | 1,648 |
| Core capital (leverage) ratio | 11.4599% | 2,015 |
| Tier 1 risk-based capital ratio | 16.9817% | 2,737 |
| Total risk-based capital ratio | 18.2511% | 2,690 |
| Memoranda: | ||
| Average total assets | $899,991,000 | 736 |
| Average earning assets | $797,753,750 | 751 |
| Average equity | $117,161,500 | 612 |
| Average total loans | $462,505,250 | 890 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 4,822 |
| Cost of funding earning assets | 0.3330% | 6,591 |
| Net interest margin | 3.9046% | 2,886 |
| Noninterest income to average assets | 1.4546% | 690 |
| Noninterest expense to average assets | 3.8545% | 1,137 |
| Loan and lease loss provision to assets | 0.3097% | 2,128 |
| Net operating income to assets | 0.5058% | 4,791 |
| Return on assets (ROA) | 0.6480% | 4,374 |
| Pretax return on assets | 0.9739% | 3,808 |
| Return on Equity (ROE) | 4.9619% | 4,822 |
| Retained earnings to average equity (ytd only) | -22.9900% | 7,043 |
| Net charge-offs to loans | 1.0252% | 1,074 |
| Credit loss provision to net charge-offs | 60.2410% | 3,788 |
| Earnings coverage of net charge-offs (x) | 2.0839% | 3,948 |
| Efficiency ratio | 77.9215% | 2,464 |
| Assets per employee ($millions) | 2.7778% | 6,440 |
| Cash dividends to net income (ytd only)* | 563.3322% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5770% | 1,178 |
| Loan loss allowance to noncurrent loans | 69.9541% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 3.5911% | 1,470 |
| Noncurrent loans to loans | 3.6839% | 1,543 |
| Net loans and leases to total assets | 49.1294% | 5,467 |
| Net loans and leases to deposits | 56.8614% | 5,568 |
| Net loans and leases to core deposits | 59.4209% | 5,657 |
| Total domestic deposits to total assets | 86.4021% | 3,141 |
| Equity capital to assets | 12.1287% | 2,049 |
| Core capital (leverage) ratio | 11.3988% | 1,972 |
| Tier 1 risk-based capital ratio | 17.1635% | 2,601 |
| Total risk-based capital ratio | 18.4323% | 2,555 |
| Memoranda: | ||
| Average total assets | $904,032,000 | 734 |
| Average earning assets | $803,709,670 | 752 |
| Average equity | $118,060,000 | 608 |
| Average total loans | $453,373,670 | 912 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2861% | 4,793 |
| Cost of funding earning assets | 0.3654% | 6,573 |
| Net interest margin | 3.9207% | 2,836 |
| Noninterest income to average assets | 1.3004% | 843 |
| Noninterest expense to average assets | 3.9011% | 1,062 |
| Loan and lease loss provision to assets | 0.1769% | 3,198 |
| Net operating income to assets | 0.4722% | 4,947 |
| Return on assets (ROA) | 0.4696% | 5,154 |
| Pretax return on assets | 0.7004% | 4,787 |
| Return on Equity (ROE) | 3.4722% | 5,523 |
| Retained earnings to average equity (ytd only) | 3.4722% | 4,497 |
| Net charge-offs to loans | 0.6914% | 1,440 |
| Credit loss provision to net charge-offs | 51.1509% | 3,262 |
| Earnings coverage of net charge-offs (x) | 2.5486% | 3,150 |
| Efficiency ratio | 81.2408% | 2,049 |
| Assets per employee ($millions) | 2.8050% | 6,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7358% | 1,078 |
| Loan loss allowance to noncurrent loans | 78.5084% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 3.5805% | 1,594 |
| Noncurrent loans to loans | 3.4847% | 1,793 |
| Net loans and leases to total assets | 48.0160% | 5,554 |
| Net loans and leases to deposits | 56.4299% | 5,555 |
| Net loans and leases to core deposits | 59.0737% | 5,617 |
| Total domestic deposits to total assets | 85.0896% | 3,992 |
| Equity capital to assets | 13.5768% | 1,207 |
| Core capital (leverage) ratio | 12.7716% | 1,216 |
| Tier 1 risk-based capital ratio | 19.6541% | 1,795 |
| Total risk-based capital ratio | 20.9210% | 1,763 |
| Memoranda: | ||
| Average total assets | $904,663,500 | 734 |
| Average earning assets | $803,434,000 | 746 |
| Average equity | $122,343,000 | 585 |
| Average total loans | $452,432,000 | 912 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7255% | 4,146 |
| Cost of funding earning assets | 0.4954% | 6,555 |
| Net interest margin | 4.2301% | 1,964 |
| Noninterest income to average assets | 1.0325% | 1,280 |
| Noninterest expense to average assets | 3.8422% | 1,271 |
| Loan and lease loss provision to assets | 0.2967% | 3,292 |
| Net operating income to assets | 0.4526% | 4,629 |
| Return on assets (ROA) | 0.5897% | 4,235 |
| Pretax return on assets | 0.8048% | 3,967 |
| Return on Equity (ROE) | 4.4541% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.4541% | 3,002 |
| Net charge-offs to loans | 1.0312% | 1,689 |
| Credit loss provision to net charge-offs | 53.1382% | 5,344 |
| Earnings coverage of net charge-offs (x) | 1.6363% | 4,544 |
| Efficiency ratio | 80.4436% | 2,247 |
| Assets per employee ($millions) | 2.8588% | 6,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7741% | 1,005 |
| Loan loss allowance to noncurrent loans | 68.7415% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 4.2772% | 1,305 |
| Noncurrent loans to loans | 4.0356% | 1,547 |
| Net loans and leases to total assets | 49.2561% | 5,689 |
| Net loans and leases to deposits | 57.7929% | 5,715 |
| Net loans and leases to core deposits | 60.1559% | 5,836 |
| Total domestic deposits to total assets | 85.2286% | 3,731 |
| Equity capital to assets | 13.4699% | 1,281 |
| Core capital (leverage) ratio | 12.5440% | 1,331 |
| Tier 1 risk-based capital ratio | 19.0641% | 1,877 |
| Total risk-based capital ratio | 20.3313% | 1,834 |
| Memoranda: | ||
| Average total assets | $893,039,000 | 733 |
| Average earning assets | $786,051,200 | 749 |
| Average equity | $118,227,200 | 585 |
| Average total loans | $483,620,400 | 861 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8127% | 3,971 |
| Cost of funding earning assets | 0.5168% | 6,641 |
| Net interest margin | 4.2959% | 1,729 |
| Noninterest income to average assets | 1.2392% | 846 |
| Noninterest expense to average assets | 3.8519% | 1,230 |
| Loan and lease loss provision to assets | 0.3965% | 2,474 |
| Net operating income to assets | 0.5105% | 4,504 |
| Return on assets (ROA) | 0.5956% | 4,288 |
| Pretax return on assets | 0.8927% | 3,797 |
| Return on Equity (ROE) | 4.5189% | 4,757 |
| Retained earnings to average equity (ytd only) | 4.5189% | 3,501 |
| Net charge-offs to loans | 1.0798% | 1,478 |
| Credit loss provision to net charge-offs | 66.7170% | 4,579 |
| Earnings coverage of net charge-offs (x) | 1.9557% | 4,191 |
| Efficiency ratio | 76.4964% | 2,768 |
| Assets per employee ($millions) | 2.8749% | 6,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8979% | 933 |
| Loan loss allowance to noncurrent loans | 112.5927% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 3.6474% | 1,723 |
| Noncurrent loans to loans | 2.5738% | 2,695 |
| Net loans and leases to total assets | 50.5845% | 5,630 |
| Net loans and leases to deposits | 59.4103% | 5,707 |
| Net loans and leases to core deposits | 61.8977% | 5,820 |
| Total domestic deposits to total assets | 85.1443% | 3,701 |
| Equity capital to assets | 13.4859% | 1,375 |
| Core capital (leverage) ratio | 12.7954% | 1,302 |
| Tier 1 risk-based capital ratio | 18.8122% | 1,983 |
| Total risk-based capital ratio | 20.0842% | 1,945 |
| Memoranda: | ||
| Average total assets | $891,169,750 | 740 |
| Average earning assets | $783,075,000 | 763 |
| Average equity | $117,459,250 | 597 |
| Average total loans | $490,471,750 | 867 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8950% | 3,646 |
| Cost of funding earning assets | 0.5389% | 6,708 |
| Net interest margin | 4.3561% | 1,496 |
| Noninterest income to average assets | 1.2968% | 746 |
| Noninterest expense to average assets | 3.8916% | 1,208 |
| Loan and lease loss provision to assets | 0.5077% | 1,927 |
| Net operating income to assets | 0.4781% | 4,601 |
| Return on assets (ROA) | 0.4766% | 4,751 |
| Pretax return on assets | 0.7160% | 4,331 |
| Return on Equity (ROE) | 3.6444% | 5,095 |
| Retained earnings to average equity (ytd only) | 3.6444% | 3,908 |
| Net charge-offs to loans | 1.0054% | 1,564 |
| Credit loss provision to net charge-offs | 90.1081% | 3,450 |
| Earnings coverage of net charge-offs (x) | 2.1758% | 3,756 |
| Efficiency ratio | 75.7231% | 3,066 |
| Assets per employee ($millions) | 2.8426% | 6,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0584% | 844 |
| Loan loss allowance to noncurrent loans | 83.8556% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 4.6587% | 1,340 |
| Noncurrent loans to loans | 3.6472% | 1,928 |
| Net loans and leases to total assets | 52.5332% | 5,495 |
| Net loans and leases to deposits | 61.5052% | 5,560 |
| Net loans and leases to core deposits | 63.0491% | 5,805 |
| Total domestic deposits to total assets | 85.4126% | 3,667 |
| Equity capital to assets | 13.3746% | 1,346 |
| Core capital (leverage) ratio | 12.5518% | 1,334 |
| Tier 1 risk-based capital ratio | 17.9915% | 2,177 |
| Total risk-based capital ratio | 19.2601% | 2,126 |
| Memoranda: | ||
| Average total assets | $886,363,670 | 751 |
| Average earning assets | $777,438,670 | 777 |
| Average equity | $115,903,330 | 604 |
| Average total loans | $496,709,670 | 870 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8647% | 3,749 |
| Cost of funding earning assets | 0.5589% | 6,769 |
| Net interest margin | 4.3058% | 1,547 |
| Noninterest income to average assets | 1.3424% | 717 |
| Noninterest expense to average assets | 3.9499% | 1,100 |
| Loan and lease loss provision to assets | 0.4521% | 1,952 |
| Net operating income to assets | 0.4682% | 4,630 |
| Return on assets (ROA) | 0.4653% | 4,724 |
| Pretax return on assets | 0.7049% | 4,291 |
| Return on Equity (ROE) | 3.5993% | 5,097 |
| Retained earnings to average equity (ytd only) | 3.5993% | 4,024 |
| Net charge-offs to loans | 1.2080% | 1,154 |
| Credit loss provision to net charge-offs | 65.7030% | 3,442 |
| Earnings coverage of net charge-offs (x) | 1.6879% | 3,469 |
| Efficiency ratio | 76.9571% | 2,991 |
| Assets per employee ($millions) | 2.7519% | 6,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9263% | 979 |
| Loan loss allowance to noncurrent loans | 99.8413% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 4.2540% | 1,540 |
| Noncurrent loans to loans | 2.9310% | 2,562 |
| Net loans and leases to total assets | 54.0049% | 5,301 |
| Net loans and leases to deposits | 63.0613% | 5,374 |
| Net loans and leases to core deposits | 64.7624% | 5,643 |
| Total domestic deposits to total assets | 85.6387% | 3,717 |
| Equity capital to assets | 12.9439% | 1,404 |
| Core capital (leverage) ratio | 12.4320% | 1,359 |
| Tier 1 risk-based capital ratio | 17.4783% | 2,304 |
| Total risk-based capital ratio | 18.7416% | 2,266 |
| Memoranda: | ||
| Average total assets | $884,676,000 | 758 |
| Average earning assets | $774,389,000 | 786 |
| Average equity | $114,355,500 | 603 |
| Average total loans | $503,987,500 | 870 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9666% | 4,713 |
| Cost of funding earning assets | 0.8755% | 6,267 |
| Net interest margin | 4.0911% | 2,611 |
| Noninterest income to average assets | 0.8983% | 1,853 |
| Noninterest expense to average assets | 3.9241% | 1,272 |
| Loan and lease loss provision to assets | 0.8963% | 1,822 |
| Net operating income to assets | -0.4267% | 6,337 |
| Return on assets (ROA) | -0.4267% | 6,363 |
| Pretax return on assets | -0.3165% | 6,173 |
| Return on Equity (ROE) | -3.6903% | 6,337 |
| Retained earnings to average equity (ytd only) | -3.6903% | 6,177 |
| Net charge-offs to loans | 2.0618% | 975 |
| Credit loss provision to net charge-offs | 69.2081% | 5,884 |
| Earnings coverage of net charge-offs (x) | 0.4477% | 5,662 |
| Efficiency ratio | 86.7612% | 1,592 |
| Assets per employee ($millions) | 2.7688% | 6,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9200% | 932 |
| Loan loss allowance to noncurrent loans | 74.7222% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 5.2073% | 1,202 |
| Noncurrent loans to loans | 3.9078% | 1,873 |
| Net loans and leases to total assets | 56.6142% | 5,239 |
| Net loans and leases to deposits | 65.8586% | 5,418 |
| Net loans and leases to core deposits | 67.7402% | 5,688 |
| Total domestic deposits to total assets | 85.9633% | 3,374 |
| Equity capital to assets | 12.9084% | 1,438 |
| Core capital (leverage) ratio | 12.1077% | 1,478 |
| Tier 1 risk-based capital ratio | 16.8150% | 2,418 |
| Total risk-based capital ratio | 18.0788% | 2,380 |
| Memoranda: | ||
| Average total assets | $889,186,800 | 757 |
| Average earning assets | $783,682,200 | 780 |
| Average equity | $102,809,800 | 658 |
| Average total loans | $558,542,600 | 806 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0003% | 4,813 |
| Cost of funding earning assets | 0.9477% | 6,189 |
| Net interest margin | 4.0526% | 2,843 |
| Noninterest income to average assets | 0.8186% | 2,135 |
| Noninterest expense to average assets | 3.8767% | 1,231 |
| Loan and lease loss provision to assets | 1.1921% | 1,204 |
| Net operating income to assets | -0.9850% | 6,896 |
| Return on assets (ROA) | -0.9850% | 6,937 |
| Pretax return on assets | -0.6757% | 6,662 |
| Return on Equity (ROE) | -8.7711% | 6,870 |
| Retained earnings to average equity (ytd only) | -8.7711% | 6,814 |
| Net charge-offs to loans | 2.6347% | 628 |
| Credit loss provision to net charge-offs | 70.7815% | 5,394 |
| Earnings coverage of net charge-offs (x) | 0.3067% | 5,724 |
| Efficiency ratio | 87.8720% | 1,456 |
| Assets per employee ($millions) | 2.7770% | 6,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8434% | 971 |
| Loan loss allowance to noncurrent loans | 51.4422% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 5.4400% | 1,140 |
| Noncurrent loans to loans | 5.5274% | 1,196 |
| Net loans and leases to total assets | 58.4517% | 5,193 |
| Net loans and leases to deposits | 67.7246% | 5,459 |
| Net loans and leases to core deposits | 70.0510% | 5,745 |
| Total domestic deposits to total assets | 86.3079% | 2,912 |
| Equity capital to assets | 12.6176% | 1,797 |
| Core capital (leverage) ratio | 11.4619% | 1,960 |
| Tier 1 risk-based capital ratio | 15.8234% | 2,853 |
| Total risk-based capital ratio | 17.0869% | 2,794 |
| Memoranda: | ||
| Average total assets | $891,365,250 | 755 |
| Average earning assets | $786,201,750 | 779 |
| Average equity | $100,098,500 | 666 |
| Average total loans | $569,811,750 | 793 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0109% | 4,896 |
| Cost of funding earning assets | 1.0036% | 6,119 |
| Net interest margin | 4.0073% | 2,981 |
| Noninterest income to average assets | 1.1131% | 1,062 |
| Noninterest expense to average assets | 3.9363% | 1,131 |
| Loan and lease loss provision to assets | 0.7562% | 1,901 |
| Net operating income to assets | 0.0902% | 5,893 |
| Return on assets (ROA) | 0.0902% | 6,004 |
| Pretax return on assets | -0.0422% | 6,188 |
| Return on Equity (ROE) | 0.8377% | 5,998 |
| Retained earnings to average equity (ytd only) | 0.8377% | 5,433 |
| Net charge-offs to loans | 1.9822% | 923 |
| Credit loss provision to net charge-offs | 58.5273% | 5,241 |
| Earnings coverage of net charge-offs (x) | 0.5526% | 5,181 |
| Efficiency ratio | 84.2943% | 1,888 |
| Assets per employee ($millions) | 2.8273% | 6,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8861% | 927 |
| Loan loss allowance to noncurrent loans | 42.0489% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 6.0420% | 968 |
| Noncurrent loans to loans | 6.8638% | 844 |
| Net loans and leases to total assets | 59.8796% | 5,080 |
| Net loans and leases to deposits | 69.8373% | 5,306 |
| Net loans and leases to core deposits | 71.8507% | 5,686 |
| Total domestic deposits to total assets | 85.7415% | 3,239 |
| Equity capital to assets | 13.1939% | 1,477 |
| Core capital (leverage) ratio | 12.3357% | 1,480 |
| Tier 1 risk-based capital ratio | 16.3880% | 2,524 |
| Total risk-based capital ratio | 17.6520% | 2,459 |
| Memoranda: | ||
| Average total assets | $891,349,000 | 756 |
| Average earning assets | $786,763,330 | 775 |
| Average equity | $95,973,000 | 687 |
| Average total loans | $580,983,670 | 783 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0658% | 4,699 |
| Cost of funding earning assets | 1.0357% | 6,197 |
| Net interest margin | 4.0300% | 2,745 |
| Noninterest income to average assets | 1.0942% | 1,050 |
| Noninterest expense to average assets | 4.0759% | 935 |
| Loan and lease loss provision to assets | 0.3542% | 3,252 |
| Net operating income to assets | 0.1667% | 5,800 |
| Return on assets (ROA) | 0.1667% | 5,926 |
| Pretax return on assets | 0.2219% | 5,816 |
| Return on Equity (ROE) | 1.7506% | 5,864 |
| Retained earnings to average equity (ytd only) | 1.7506% | 5,066 |
| Net charge-offs to loans | 1.0905% | 1,533 |
| Credit loss provision to net charge-offs | 48.4811% | 4,512 |
| Earnings coverage of net charge-offs (x) | 0.7886% | 4,335 |
| Efficiency ratio | 87.2664% | 1,660 |
| Assets per employee ($millions) | 2.7132% | 6,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0482% | 786 |
| Loan loss allowance to noncurrent loans | 38.6005% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 6.6561% | 841 |
| Noncurrent loans to loans | 7.8968% | 690 |
| Net loans and leases to total assets | 63.6771% | 4,399 |
| Net loans and leases to deposits | 71.2963% | 5,153 |
| Net loans and leases to core deposits | 74.2672% | 5,477 |
| Total domestic deposits to total assets | 89.3132% | 1,356 |
| Equity capital to assets | 9.5662% | 4,432 |
| Core capital (leverage) ratio | 9.0097% | 4,550 |
| Tier 1 risk-based capital ratio | 11.2179% | 5,936 |
| Total risk-based capital ratio | 12.4843% | 5,877 |
| Memoranda: | ||
| Average total assets | $883,234,500 | 782 |
| Average earning assets | $779,742,500 | 802 |
| Average equity | $84,087,000 | 788 |
| Average total loans | $591,673,000 | 782 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6005% | 3,609 |
| Cost of funding earning assets | 1.3549% | 6,124 |
| Net interest margin | 4.2456% | 1,914 |
| Noninterest income to average assets | 1.4084% | 737 |
| Noninterest expense to average assets | 5.6979% | 356 |
| Loan and lease loss provision to assets | 2.9554% | 594 |
| Net operating income to assets | -2.6583% | 7,311 |
| Return on assets (ROA) | -2.6035% | 7,298 |
| Pretax return on assets | -3.4557% | 7,409 |
| Return on Equity (ROE) | -23.6473% | 7,253 |
| Retained earnings to average equity (ytd only) | -26.6862% | 7,307 |
| Net charge-offs to loans | 2.9800% | 714 |
| Credit loss provision to net charge-offs | 137.3911% | 3,582 |
| Earnings coverage of net charge-offs (x) | -0.2665% | 6,512 |
| Efficiency ratio | 77.8194% | 3,222 |
| Assets per employee ($millions) | 2.7562% | 6,741 |
| Cash dividends to net income (ytd only)* | -12.8507% | 7,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0774% | 730 |
| Loan loss allowance to noncurrent loans | 39.7850% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 6.6867% | 793 |
| Noncurrent loans to loans | 7.7352% | 670 |
| Net loans and leases to total assets | 66.2013% | 4,106 |
| Net loans and leases to deposits | 74.0057% | 5,038 |
| Net loans and leases to core deposits | 88.0833% | 5,320 |
| Total domestic deposits to total assets | 89.4544% | 1,239 |
| Equity capital to assets | 9.4743% | 4,449 |
| Core capital (leverage) ratio | 9.1896% | 4,138 |
| Tier 1 risk-based capital ratio | 11.5950% | 5,299 |
| Total risk-based capital ratio | 12.8612% | 5,241 |
| Memoranda: | ||
| Average total assets | $896,662,000 | 751 |
| Average earning assets | $784,843,400 | 781 |
| Average equity | $98,721,600 | 668 |
| Average total loans | $647,244,000 | 725 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6898% | 3,394 |
| Cost of funding earning assets | 1.4053% | 6,209 |
| Net interest margin | 4.2845% | 1,771 |
| Noninterest income to average assets | 1.3778% | 793 |
| Noninterest expense to average assets | 4.0993% | 1,151 |
| Loan and lease loss provision to assets | 2.5916% | 630 |
| Net operating income to assets | -0.7449% | 6,643 |
| Return on assets (ROA) | -0.6828% | 6,599 |
| Pretax return on assets | -1.4741% | 6,946 |
| Return on Equity (ROE) | -5.9972% | 6,555 |
| Retained earnings to average equity (ytd only) | -9.8991% | 6,793 |
| Net charge-offs to loans | 1.9042% | 1,054 |
| Credit loss provision to net charge-offs | 186.0910% | 2,450 |
| Earnings coverage of net charge-offs (x) | 0.7328% | 5,306 |
| Efficiency ratio | 79.7524% | 2,885 |
| Assets per employee ($millions) | 2.7837% | 6,673 |
| Cash dividends to net income (ytd only)* | -65.0618% | 7,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0875% | 621 |
| Loan loss allowance to noncurrent loans | 35.6634% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 6.8537% | 708 |
| Noncurrent loans to loans | 8.6575% | 528 |
| Net loans and leases to total assets | 66.9753% | 4,193 |
| Net loans and leases to deposits | 76.2249% | 5,002 |
| Net loans and leases to core deposits | 92.6348% | 5,175 |
| Total domestic deposits to total assets | 87.8653% | 1,720 |
| Equity capital to assets | 11.0448% | 2,975 |
| Core capital (leverage) ratio | 9.1772% | 4,369 |
| Tier 1 risk-based capital ratio | 11.2635% | 5,671 |
| Total risk-based capital ratio | 12.5306% | 5,600 |
| Memoranda: | ||
| Average total assets | $900,334,250 | 762 |
| Average earning assets | $786,325,750 | 796 |
| Average equity | $102,511,750 | 647 |
| Average total loans | $658,450,750 | 729 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7938% | 3,081 |
| Cost of funding earning assets | 1.4254% | 6,396 |
| Net interest margin | 4.3684% | 1,476 |
| Noninterest income to average assets | 1.2671% | 948 |
| Noninterest expense to average assets | 4.2467% | 1,015 |
| Loan and lease loss provision to assets | 3.5674% | 396 |
| Net operating income to assets | -1.3132% | 7,172 |
| Return on assets (ROA) | -1.3132% | 7,176 |
| Pretax return on assets | -2.7377% | 7,484 |
| Return on Equity (ROE) | -11.4180% | 7,136 |
| Retained earnings to average equity (ytd only) | -17.2337% | 7,362 |
| Net charge-offs to loans | 1.5587% | 1,214 |
| Credit loss provision to net charge-offs | 307.2197% | 1,512 |
| Earnings coverage of net charge-offs (x) | 0.7145% | 5,006 |
| Efficiency ratio | 83.3363% | 2,564 |
| Assets per employee ($millions) | 2.5642% | 7,123 |
| Cash dividends to net income (ytd only)* | -50.9338% | 8,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3995% | 411 |
| Loan loss allowance to noncurrent loans | 49.9255% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 5.5403% | 904 |
| Noncurrent loans to loans | 6.8092% | 737 |
| Net loans and leases to total assets | 69.0469% | 3,932 |
| Net loans and leases to deposits | 78.3921% | 4,804 |
| Net loans and leases to core deposits | 96.7142% | 4,822 |
| Total domestic deposits to total assets | 88.0790% | 1,725 |
| Equity capital to assets | 10.7795% | 3,135 |
| Core capital (leverage) ratio | 9.4612% | 3,938 |
| Tier 1 risk-based capital ratio | 10.9742% | 5,897 |
| Total risk-based capital ratio | 12.2445% | 5,815 |
| Memoranda: | ||
| Average total assets | $897,023,670 | 783 |
| Average earning assets | $782,214,670 | 817 |
| Average equity | $103,170,000 | 648 |
| Average total loans | $668,242,330 | 739 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8910% | 2,845 |
| Cost of funding earning assets | 1.4285% | 6,639 |
| Net interest margin | 4.4625% | 1,204 |
| Noninterest income to average assets | 1.1258% | 1,166 |
| Noninterest expense to average assets | 4.0962% | 1,071 |
| Loan and lease loss provision to assets | 3.1447% | 347 |
| Net operating income to assets | -1.1047% | 7,312 |
| Return on assets (ROA) | -1.1047% | 7,322 |
| Pretax return on assets | -2.2291% | 7,601 |
| Return on Equity (ROE) | -9.3063% | 7,318 |
| Retained earnings to average equity (ytd only) | -13.0909% | 7,330 |
| Net charge-offs to loans | 1.4416% | 995 |
| Credit loss provision to net charge-offs | 286.8852% | 1,681 |
| Earnings coverage of net charge-offs (x) | 0.8352% | 4,359 |
| Efficiency ratio | 81.4091% | 2,621 |
| Assets per employee ($millions) | 2.2728% | 7,626 |
| Cash dividends to net income (ytd only)* | -40.6669% | 8,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4047% | 843 |
| Loan loss allowance to noncurrent loans | 79.7300% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 2.8670% | 1,986 |
| Noncurrent loans to loans | 3.0161% | 2,166 |
| Net loans and leases to total assets | 71.4569% | 3,364 |
| Net loans and leases to deposits | 81.7449% | 4,326 |
| Net loans and leases to core deposits | 98.5789% | 4,685 |
| Total domestic deposits to total assets | 87.4146% | 2,010 |
| Equity capital to assets | 11.5633% | 2,551 |
| Core capital (leverage) ratio | 10.3827% | 3,043 |
| Tier 1 risk-based capital ratio | 11.3787% | 5,524 |
| Total risk-based capital ratio | 12.6382% | 5,415 |
| Memoranda: | ||
| Average total assets | $890,386,500 | 793 |
| Average earning assets | $775,352,500 | 828 |
| Average equity | $105,692,000 | 633 |
| Average total loans | $677,037,500 | 734 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4926% | 2,991 |
| Cost of funding earning assets | 1.8215% | 6,950 |
| Net interest margin | 4.6711% | 1,026 |
| Noninterest income to average assets | 1.5674% | 572 |
| Noninterest expense to average assets | 4.0644% | 1,330 |
| Loan and lease loss provision to assets | 1.3181% | 1,076 |
| Net operating income to assets | 0.3392% | 5,398 |
| Return on assets (ROA) | 0.1032% | 5,945 |
| Pretax return on assets | -0.1014% | 6,273 |
| Return on Equity (ROE) | 0.8669% | 5,958 |
| Retained earnings to average equity (ytd only) | -2.7947% | 6,054 |
| Net charge-offs to loans | 1.5937% | 715 |
| Credit loss provision to net charge-offs | 104.9618% | 5,096 |
| Earnings coverage of net charge-offs (x) | 1.2626% | 5,498 |
| Efficiency ratio | 71.1694% | 4,090 |
| Assets per employee ($millions) | 2.1690% | 7,753 |
| Cash dividends to net income (ytd only)* | 422.3865% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6335% | 2,117 |
| Loan loss allowance to noncurrent loans | 59.8173% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 3.3404% | 1,351 |
| Noncurrent loans to loans | 2.7308% | 1,985 |
| Net loans and leases to total assets | 77.6468% | 2,227 |
| Net loans and leases to deposits | 89.9852% | 3,457 |
| Net loans and leases to core deposits | 107.1000% | 4,066 |
| Total domestic deposits to total assets | 86.2884% | 2,267 |
| Equity capital to assets | 12.1858% | 2,166 |
| Core capital (leverage) ratio | 10.7905% | 2,751 |
| Tier 1 risk-based capital ratio | 11.3604% | 5,373 |
| Total risk-based capital ratio | 12.6121% | 5,273 |
| Memoranda: | ||
| Average total assets | $917,968,000 | 726 |
| Average earning assets | $802,308,600 | 767 |
| Average equity | $109,243,400 | 620 |
| Average total loans | $723,370,600 | 665 |