Home > Park View Federal Savings Bank > Performance and Condition Ratios
Park View Federal Savings Bank, Performance and Condition Ratios
| 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 | 3.9878% | 4,177 |
| Cost of funding earning assets | 0.7273% | 1,754 |
| Net interest margin | 3.2605% | 4,789 |
| Noninterest income to average assets | 1.1374% | 1,133 |
| Noninterest expense to average assets | 3.1314% | 2,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0642% | 2,136 |
| Return on assets (ROA) | 1.0642% | 2,223 |
| Pretax return on assets | 0.8944% | 3,913 |
| Return on Equity (ROE) | 10.6234% | 1,953 |
| Retained earnings to average equity (ytd only) | 10.6234% | 657 |
| Net charge-offs to loans | 0.2533% | 2,298 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.7452% | 3,364 |
| Efficiency ratio | 77.7844% | 2,453 |
| Assets per employee ($millions) | 4.6107% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5349% | 901 |
| Loan loss allowance to noncurrent loans | 92.3649% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 2.6726% | 1,413 |
| Noncurrent loans to loans | 2.7444% | 1,531 |
| Net loans and leases to total assets | 70.9842% | 1,783 |
| Net loans and leases to deposits | 83.8508% | 1,896 |
| Net loans and leases to core deposits | 86.7711% | 2,310 |
| Total domestic deposits to total assets | 84.6555% | 3,902 |
| Equity capital to assets | 10.5907% | 3,173 |
| Core capital (leverage) ratio | 10.5531% | 2,950 |
| Tier 1 risk-based capital ratio | 13.5845% | 4,702 |
| Total risk-based capital ratio | 14.8484% | 4,649 |
| Memoranda: | ||
| Average total assets | $774,619,250 | 869 |
| Average earning assets | $686,208,000 | 887 |
| Average equity | $77,600,500 | 933 |
| Average total loans | $576,412,250 | 726 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9855% | 4,164 |
| Cost of funding earning assets | 0.7291% | 1,847 |
| Net interest margin | 3.2564% | 4,749 |
| Noninterest income to average assets | 1.4737% | 729 |
| Noninterest expense to average assets | 3.2547% | 2,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4363% | 1,008 |
| Return on assets (ROA) | 1.4363% | 1,093 |
| Pretax return on assets | 1.1054% | 3,077 |
| Return on Equity (ROE) | 14.6089% | 888 |
| Retained earnings to average equity (ytd only) | 14.6089% | 263 |
| Net charge-offs to loans | 0.4159% | 1,556 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.5478% | 3,364 |
| Efficiency ratio | 74.6468% | 3,004 |
| Assets per employee ($millions) | 4.3075% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4049% | 1,086 |
| Loan loss allowance to noncurrent loans | 96.8024% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 2.7177% | 1,533 |
| Noncurrent loans to loans | 2.4843% | 1,872 |
| Net loans and leases to total assets | 72.0866% | 1,564 |
| Net loans and leases to deposits | 84.9134% | 1,696 |
| Net loans and leases to core deposits | 87.7673% | 2,135 |
| Total domestic deposits to total assets | 84.8943% | 3,945 |
| Equity capital to assets | 10.2125% | 3,648 |
| Core capital (leverage) ratio | 10.1534% | 3,292 |
| Tier 1 risk-based capital ratio | 13.0736% | 5,088 |
| Total risk-based capital ratio | 14.3364% | 5,024 |
| Memoranda: | ||
| Average total assets | $779,239,330 | 865 |
| Average earning assets | $690,697,670 | 878 |
| Average equity | $76,610,670 | 945 |
| Average total loans | $583,861,670 | 715 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9960% | 4,131 |
| Cost of funding earning assets | 0.7351% | 1,959 |
| Net interest margin | 3.2609% | 4,679 |
| Noninterest income to average assets | 1.5776% | 619 |
| Noninterest expense to average assets | 3.4029% | 1,832 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0334% | 2,097 |
| Return on assets (ROA) | 1.0334% | 2,208 |
| Pretax return on assets | 1.0710% | 3,072 |
| Return on Equity (ROE) | 10.7205% | 1,782 |
| Retained earnings to average equity (ytd only) | 10.7205% | 933 |
| Net charge-offs to loans | 0.1501% | 2,501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 9.4545% | 1,833 |
| Efficiency ratio | 76.0617% | 2,914 |
| Assets per employee ($millions) | 4.0706% | 3,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6080% | 999 |
| Loan loss allowance to noncurrent loans | 78.2463% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 3.4392% | 1,245 |
| Noncurrent loans to loans | 3.3331% | 1,455 |
| Net loans and leases to total assets | 72.8064% | 1,233 |
| Net loans and leases to deposits | 85.5240% | 1,417 |
| Net loans and leases to core deposits | 88.2137% | 1,885 |
| Total domestic deposits to total assets | 85.1299% | 3,974 |
| Equity capital to assets | 9.9328% | 4,236 |
| Core capital (leverage) ratio | 9.9223% | 3,499 |
| Tier 1 risk-based capital ratio | 12.4997% | 5,577 |
| Total risk-based capital ratio | 13.7639% | 5,517 |
| Memoranda: | ||
| Average total assets | $776,872,000 | 872 |
| Average earning assets | $689,988,500 | 887 |
| Average equity | $74,884,500 | 978 |
| Average total loans | $586,259,500 | 710 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0877% | 4,989 |
| Cost of funding earning assets | 0.9287% | 1,765 |
| Net interest margin | 3.1590% | 5,666 |
| Noninterest income to average assets | 1.6598% | 581 |
| Noninterest expense to average assets | 3.2773% | 2,403 |
| Loan and lease loss provision to assets | 0.6970% | 742 |
| Net operating income to assets | 0.5331% | 4,551 |
| Return on assets (ROA) | 0.5331% | 4,818 |
| Pretax return on assets | 0.4946% | 5,296 |
| Return on Equity (ROE) | 6.1159% | 4,104 |
| Retained earnings to average equity (ytd only) | 6.1159% | 2,007 |
| Net charge-offs to loans | 1.3620% | 687 |
| Credit loss provision to net charge-offs | 70.0919% | 4,159 |
| Earnings coverage of net charge-offs (x) | 1.1983% | 4,860 |
| Efficiency ratio | 73.3348% | 3,186 |
| Assets per employee ($millions) | 4.2852% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5215% | 1,106 |
| Loan loss allowance to noncurrent loans | 75.7682% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 3.5163% | 1,283 |
| Noncurrent loans to loans | 3.3279% | 1,534 |
| Net loans and leases to total assets | 74.2311% | 1,163 |
| Net loans and leases to deposits | 86.6086% | 1,428 |
| Net loans and leases to core deposits | 89.4341% | 1,903 |
| Total domestic deposits to total assets | 85.7087% | 3,507 |
| Equity capital to assets | 9.3544% | 5,066 |
| Core capital (leverage) ratio | 9.3637% | 4,311 |
| Tier 1 risk-based capital ratio | 11.6671% | 5,981 |
| Total risk-based capital ratio | 12.9318% | 5,934 |
| Memoranda: | ||
| Average total assets | $798,553,600 | 826 |
| Average earning assets | $710,132,400 | 847 |
| Average equity | $69,605,600 | 1,010 |
| Average total loans | $583,043,600 | 709 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0831% | 5,255 |
| Cost of funding earning assets | 0.9665% | 1,752 |
| Net interest margin | 3.1166% | 5,901 |
| Noninterest income to average assets | 1.5454% | 623 |
| Noninterest expense to average assets | 3.3196% | 2,216 |
| Loan and lease loss provision to assets | 0.7600% | 644 |
| Net operating income to assets | 0.2978% | 5,623 |
| Return on assets (ROA) | 0.2978% | 5,824 |
| Pretax return on assets | 0.2372% | 6,074 |
| Return on Equity (ROE) | 3.4787% | 5,500 |
| Retained earnings to average equity (ytd only) | 3.4787% | 4,419 |
| Net charge-offs to loans | 1.3697% | 667 |
| Credit loss provision to net charge-offs | 76.8040% | 3,712 |
| Earnings coverage of net charge-offs (x) | 1.0077% | 4,816 |
| Efficiency ratio | 76.9008% | 2,535 |
| Assets per employee ($millions) | 4.2719% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7831% | 896 |
| Loan loss allowance to noncurrent loans | 72.4757% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 3.7525% | 1,317 |
| Noncurrent loans to loans | 3.8401% | 1,368 |
| Net loans and leases to total assets | 71.7078% | 1,603 |
| Net loans and leases to deposits | 83.2455% | 1,968 |
| Net loans and leases to core deposits | 86.1666% | 2,441 |
| Total domestic deposits to total assets | 86.1401% | 3,175 |
| Equity capital to assets | 9.0249% | 5,801 |
| Core capital (leverage) ratio | 9.0663% | 4,969 |
| Tier 1 risk-based capital ratio | 11.9322% | 5,973 |
| Total risk-based capital ratio | 13.1988% | 5,954 |
| Memoranda: | ||
| Average total assets | $801,072,500 | 829 |
| Average earning assets | $712,348,000 | 846 |
| Average equity | $68,567,750 | 1,035 |
| Average total loans | $578,695,500 | 716 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0625% | 5,448 |
| Cost of funding earning assets | 0.9983% | 1,774 |
| Net interest margin | 3.0642% | 6,089 |
| Noninterest income to average assets | 1.5390% | 622 |
| Noninterest expense to average assets | 3.3386% | 2,187 |
| Loan and lease loss provision to assets | 0.8724% | 550 |
| Net operating income to assets | 0.1424% | 6,064 |
| Return on assets (ROA) | 0.1424% | 6,226 |
| Pretax return on assets | 0.0521% | 6,386 |
| Return on Equity (ROE) | 1.6938% | 6,132 |
| Retained earnings to average equity (ytd only) | 1.6938% | 5,348 |
| Net charge-offs to loans | 1.7215% | 523 |
| Credit loss provision to net charge-offs | 70.6308% | 3,543 |
| Earnings coverage of net charge-offs (x) | 0.7485% | 4,681 |
| Efficiency ratio | 78.3145% | 2,420 |
| Assets per employee ($millions) | 4.3776% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7500% | 988 |
| Loan loss allowance to noncurrent loans | 64.6360% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 4.0435% | 1,257 |
| Noncurrent loans to loans | 4.2546% | 1,272 |
| Net loans and leases to total assets | 70.4779% | 1,826 |
| Net loans and leases to deposits | 81.3989% | 2,185 |
| Net loans and leases to core deposits | 84.3743% | 2,642 |
| Total domestic deposits to total assets | 86.5833% | 3,017 |
| Equity capital to assets | 8.6054% | 6,119 |
| Core capital (leverage) ratio | 8.6640% | 5,429 |
| Tier 1 risk-based capital ratio | 11.7026% | 6,105 |
| Total risk-based capital ratio | 12.9678% | 6,080 |
| Memoranda: | ||
| Average total assets | $806,085,670 | 820 |
| Average earning assets | $716,597,330 | 839 |
| Average equity | $67,777,330 | 1,036 |
| Average total loans | $578,333,000 | 716 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1115% | 5,411 |
| Cost of funding earning assets | 1.0356% | 1,769 |
| Net interest margin | 3.0759% | 6,117 |
| Noninterest income to average assets | 1.4931% | 648 |
| Noninterest expense to average assets | 3.2099% | 2,569 |
| Loan and lease loss provision to assets | 1.0000% | 414 |
| Net operating income to assets | 0.0089% | 6,398 |
| Return on assets (ROA) | 0.0089% | 6,505 |
| Pretax return on assets | 0.0089% | 6,511 |
| Return on Equity (ROE) | 0.1074% | 6,505 |
| Retained earnings to average equity (ytd only) | 0.1074% | 5,943 |
| Net charge-offs to loans | 1.8185% | 524 |
| Credit loss provision to net charge-offs | 77.0348% | 2,779 |
| Earnings coverage of net charge-offs (x) | 0.7772% | 3,943 |
| Efficiency ratio | 76.0847% | 2,778 |
| Assets per employee ($millions) | 4.3715% | 3,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9126% | 902 |
| Loan loss allowance to noncurrent loans | 57.0475% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 4.8212% | 1,090 |
| Noncurrent loans to loans | 5.1056% | 1,088 |
| Net loans and leases to total assets | 69.3398% | 1,880 |
| Net loans and leases to deposits | 79.7683% | 2,232 |
| Net loans and leases to core deposits | 82.5318% | 2,758 |
| Total domestic deposits to total assets | 86.9265% | 2,994 |
| Equity capital to assets | 8.4395% | 6,136 |
| Core capital (leverage) ratio | 8.5039% | 5,580 |
| Tier 1 risk-based capital ratio | 11.5911% | 6,228 |
| Total risk-based capital ratio | 12.8598% | 6,194 |
| Memoranda: | ||
| Average total assets | $806,385,000 | 822 |
| Average earning assets | $714,587,000 | 840 |
| Average equity | $67,008,500 | 1,044 |
| Average total loans | $575,628,000 | 721 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3171% | 5,711 |
| Cost of funding earning assets | 1.3470% | 1,257 |
| Net interest margin | 2.9701% | 6,576 |
| Noninterest income to average assets | 0.5706% | 3,360 |
| Noninterest expense to average assets | 3.0846% | 3,253 |
| Loan and lease loss provision to assets | 1.0663% | 860 |
| Net operating income to assets | -0.9555% | 6,720 |
| Return on assets (ROA) | -0.9555% | 6,747 |
| Pretax return on assets | -0.9525% | 6,710 |
| Return on Equity (ROE) | -11.0154% | 6,763 |
| Retained earnings to average equity (ytd only) | -11.0154% | 6,731 |
| Net charge-offs to loans | 2.1029% | 640 |
| Credit loss provision to net charge-offs | 70.4545% | 4,830 |
| Earnings coverage of net charge-offs (x) | 0.0752% | 5,771 |
| Efficiency ratio | 96.4426% | 799 |
| Assets per employee ($millions) | 4.3698% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6344% | 1,151 |
| Loan loss allowance to noncurrent loans | 52.7554% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 4.8126% | 1,124 |
| Noncurrent loans to loans | 4.9935% | 1,126 |
| Net loans and leases to total assets | 69.4675% | 2,130 |
| Net loans and leases to deposits | 79.7196% | 2,573 |
| Net loans and leases to core deposits | 82.5656% | 3,095 |
| Total domestic deposits to total assets | 87.1398% | 2,680 |
| Equity capital to assets | 8.1778% | 6,453 |
| Core capital (leverage) ratio | 8.2663% | 5,897 |
| Tier 1 risk-based capital ratio | 11.4031% | 6,212 |
| Total risk-based capital ratio | 12.6696% | 6,199 |
| Memoranda: | ||
| Average total assets | $802,433,400 | 819 |
| Average earning assets | $709,944,400 | 838 |
| Average equity | $69,602,400 | 966 |
| Average total loans | $577,475,400 | 731 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3484% | 5,780 |
| Cost of funding earning assets | 1.4113% | 1,184 |
| Net interest margin | 2.9372% | 6,691 |
| Noninterest income to average assets | 0.5399% | 3,585 |
| Noninterest expense to average assets | 2.9844% | 3,609 |
| Loan and lease loss provision to assets | 1.0940% | 751 |
| Net operating income to assets | -0.9446% | 6,863 |
| Return on assets (ROA) | -0.9446% | 6,899 |
| Pretax return on assets | -0.9406% | 6,851 |
| Return on Equity (ROE) | -10.7375% | 6,913 |
| Retained earnings to average equity (ytd only) | -10.7375% | 6,880 |
| Net charge-offs to loans | 1.9359% | 669 |
| Credit loss provision to net charge-offs | 78.3591% | 4,193 |
| Earnings coverage of net charge-offs (x) | 0.1099% | 5,517 |
| Efficiency ratio | 95.1114% | 863 |
| Assets per employee ($millions) | 4.5063% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8149% | 1,020 |
| Loan loss allowance to noncurrent loans | 39.7628% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 6.1053% | 869 |
| Noncurrent loans to loans | 7.0792% | 698 |
| Net loans and leases to total assets | 70.0187% | 2,081 |
| Net loans and leases to deposits | 81.0561% | 2,516 |
| Net loans and leases to core deposits | 84.1054% | 3,053 |
| Total domestic deposits to total assets | 86.3830% | 2,995 |
| Equity capital to assets | 8.5260% | 6,272 |
| Core capital (leverage) ratio | 8.6243% | 5,513 |
| Tier 1 risk-based capital ratio | 11.6831% | 6,118 |
| Total risk-based capital ratio | 12.9516% | 6,099 |
| Memoranda: | ||
| Average total assets | $803,124,750 | 826 |
| Average earning assets | $710,365,750 | 843 |
| Average equity | $70,654,250 | 962 |
| Average total loans | $579,209,500 | 738 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3935% | 5,718 |
| Cost of funding earning assets | 1.4791% | 1,077 |
| Net interest margin | 2.9144% | 6,763 |
| Noninterest income to average assets | 0.5067% | 3,809 |
| Noninterest expense to average assets | 2.9917% | 3,673 |
| Loan and lease loss provision to assets | 1.2600% | 601 |
| Net operating income to assets | -1.1845% | 7,000 |
| Return on assets (ROA) | -1.1845% | 7,011 |
| Pretax return on assets | -1.1555% | 6,948 |
| Return on Equity (ROE) | -13.3299% | 7,022 |
| Retained earnings to average equity (ytd only) | -13.3299% | 6,984 |
| Net charge-offs to loans | 2.0144% | 664 |
| Credit loss provision to net charge-offs | 86.6973% | 3,563 |
| Earnings coverage of net charge-offs (x) | 0.0719% | 5,236 |
| Efficiency ratio | 96.6262% | 849 |
| Assets per employee ($millions) | 4.5691% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7520% | 1,125 |
| Loan loss allowance to noncurrent loans | 41.4415% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 5.7689% | 997 |
| Noncurrent loans to loans | 6.6406% | 821 |
| Net loans and leases to total assets | 69.8801% | 2,243 |
| Net loans and leases to deposits | 81.1547% | 2,589 |
| Net loans and leases to core deposits | 83.9542% | 3,218 |
| Total domestic deposits to total assets | 86.1073% | 3,265 |
| Equity capital to assets | 8.7016% | 5,945 |
| Core capital (leverage) ratio | 8.7058% | 5,220 |
| Tier 1 risk-based capital ratio | 11.6823% | 6,026 |
| Total risk-based capital ratio | 12.9496% | 6,014 |
| Memoranda: | ||
| Average total assets | $807,967,000 | 830 |
| Average earning assets | $717,881,000 | 847 |
| Average equity | $71,793,670 | 942 |
| Average total loans | $582,893,000 | 737 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4157% | 5,636 |
| Cost of funding earning assets | 1.6476% | 680 |
| Net interest margin | 2.7681% | 6,951 |
| Noninterest income to average assets | 0.1576% | 6,592 |
| Noninterest expense to average assets | 2.9605% | 3,813 |
| Loan and lease loss provision to assets | 1.0294% | 732 |
| Net operating income to assets | -1.3992% | 7,164 |
| Return on assets (ROA) | -1.3992% | 7,169 |
| Pretax return on assets | -1.3598% | 7,116 |
| Return on Equity (ROE) | -15.5882% | 7,156 |
| Retained earnings to average equity (ytd only) | -15.5882% | 7,060 |
| Net charge-offs to loans | 2.2294% | 542 |
| Credit loss provision to net charge-offs | 63.8753% | 3,469 |
| Earnings coverage of net charge-offs (x) | -0.2051% | 4,699 |
| Efficiency ratio | 112.5655% | 449 |
| Assets per employee ($millions) | 4.4014% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5869% | 1,331 |
| Loan loss allowance to noncurrent loans | 38.4833% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 6.0439% | 952 |
| Noncurrent loans to loans | 6.7222% | 860 |
| Net loans and leases to total assets | 72.6345% | 1,584 |
| Net loans and leases to deposits | 84.3472% | 1,975 |
| Net loans and leases to core deposits | 87.2803% | 2,704 |
| Total domestic deposits to total assets | 86.1137% | 3,455 |
| Equity capital to assets | 9.0995% | 5,052 |
| Core capital (leverage) ratio | 9.1236% | 4,408 |
| Tier 1 risk-based capital ratio | 11.8575% | 5,811 |
| Total risk-based capital ratio | 13.1230% | 5,802 |
| Memoranda: | ||
| Average total assets | $812,151,500 | 831 |
| Average earning assets | $725,405,500 | 843 |
| Average equity | $72,901,500 | 929 |
| Average total loans | $587,053,500 | 738 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6753% | 5,879 |
| Cost of funding earning assets | 1.9352% | 753 |
| Net interest margin | 2.7401% | 7,091 |
| Noninterest income to average assets | 0.1564% | 6,604 |
| Noninterest expense to average assets | 2.6496% | 5,220 |
| Loan and lease loss provision to assets | 2.1134% | 606 |
| Net operating income to assets | -1.6972% | 6,971 |
| Return on assets (ROA) | -1.3974% | 6,893 |
| Pretax return on assets | -1.7905% | 6,955 |
| Return on Equity (ROE) | -16.6009% | 6,966 |
| Retained earnings to average equity (ytd only) | -16.6009% | 6,934 |
| Net charge-offs to loans | 3.0666% | 527 |
| Credit loss provision to net charge-offs | 96.1321% | 4,830 |
| Earnings coverage of net charge-offs (x) | -0.0280% | 6,155 |
| Efficiency ratio | 102.3801% | 710 |
| Assets per employee ($millions) | 4.7505% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7147% | 1,147 |
| Loan loss allowance to noncurrent loans | 27.2531% | 6,462 |
| Noncurrent assets plus other real estate owned to assets | 8.0310% | 617 |
| Noncurrent loans to loans | 9.9611% | 429 |
| Net loans and leases to total assets | 68.2551% | 2,919 |
| Net loans and leases to deposits | 84.6480% | 2,346 |
| Net loans and leases to core deposits | 88.6342% | 2,960 |
| Total domestic deposits to total assets | 80.6340% | 5,646 |
| Equity capital to assets | 8.8616% | 5,337 |
| Core capital (leverage) ratio | 8.8357% | 4,799 |
| Tier 1 risk-based capital ratio | 12.1570% | 5,328 |
| Total risk-based capital ratio | 13.4239% | 5,292 |
| Memoranda: | ||
| Average total assets | $862,042,400 | 784 |
| Average earning assets | $765,020,400 | 794 |
| Average equity | $72,562,200 | 923 |
| Average total loans | $617,978,400 | 719 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7568% | 5,830 |
| Cost of funding earning assets | 2.0073% | 736 |
| Net interest margin | 2.7495% | 7,182 |
| Noninterest income to average assets | -0.1634% | 7,571 |
| Noninterest expense to average assets | 2.5838% | 5,390 |
| Loan and lease loss provision to assets | 2.1088% | 546 |
| Net operating income to assets | -1.5938% | 7,131 |
| Return on assets (ROA) | -1.2576% | 7,036 |
| Pretax return on assets | -1.9111% | 7,175 |
| Return on Equity (ROE) | -15.1339% | 7,111 |
| Retained earnings to average equity (ytd only) | -15.1339% | 7,084 |
| Net charge-offs to loans | 2.9975% | 513 |
| Credit loss provision to net charge-offs | 97.6301% | 4,450 |
| Earnings coverage of net charge-offs (x) | -0.1443% | 6,143 |
| Efficiency ratio | 113.7212% | 467 |
| Assets per employee ($millions) | 4.8826% | 2,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6405% | 1,153 |
| Loan loss allowance to noncurrent loans | 21.8385% | 6,829 |
| Noncurrent assets plus other real estate owned to assets | 9.4003% | 458 |
| Noncurrent loans to loans | 12.0909% | 283 |
| Net loans and leases to total assets | 69.1623% | 2,944 |
| Net loans and leases to deposits | 85.7575% | 2,397 |
| Net loans and leases to core deposits | 90.3229% | 3,052 |
| Total domestic deposits to total assets | 80.6487% | 5,501 |
| Equity capital to assets | 8.8567% | 5,765 |
| Core capital (leverage) ratio | 8.7052% | 5,177 |
| Tier 1 risk-based capital ratio | 11.6506% | 5,786 |
| Total risk-based capital ratio | 12.9162% | 5,742 |
| Memoranda: | ||
| Average total assets | $867,341,500 | 779 |
| Average earning assets | $768,252,500 | 796 |
| Average equity | $72,074,750 | 926 |
| Average total loans | $624,989,250 | 711 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8030% | 5,793 |
| Cost of funding earning assets | 2.0710% | 731 |
| Net interest margin | 2.7321% | 7,218 |
| Noninterest income to average assets | -0.1340% | 7,645 |
| Noninterest expense to average assets | 2.5417% | 5,560 |
| Loan and lease loss provision to assets | 2.5005% | 457 |
| Net operating income to assets | -1.8164% | 7,260 |
| Return on assets (ROA) | -1.6985% | 7,227 |
| Pretax return on assets | -2.5802% | 7,385 |
| Return on Equity (ROE) | -20.8848% | 7,289 |
| Retained earnings to average equity (ytd only) | -20.8848% | 7,273 |
| Net charge-offs to loans | 3.1759% | 487 |
| Credit loss provision to net charge-offs | 108.7667% | 3,746 |
| Earnings coverage of net charge-offs (x) | -0.1124% | 5,810 |
| Efficiency ratio | 111.3139% | 522 |
| Assets per employee ($millions) | 4.9854% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7512% | 1,042 |
| Loan loss allowance to noncurrent loans | 24.4634% | 6,711 |
| Noncurrent assets plus other real estate owned to assets | 8.9070% | 504 |
| Noncurrent loans to loans | 11.2463% | 347 |
| Net loans and leases to total assets | 68.8722% | 3,154 |
| Net loans and leases to deposits | 85.8780% | 2,519 |
| Net loans and leases to core deposits | 92.5839% | 2,906 |
| Total domestic deposits to total assets | 80.1977% | 5,670 |
| Equity capital to assets | 8.8076% | 5,740 |
| Core capital (leverage) ratio | 8.6332% | 5,187 |
| Tier 1 risk-based capital ratio | 11.5643% | 5,706 |
| Total risk-based capital ratio | 12.8311% | 5,657 |
| Memoranda: | ||
| Average total assets | $873,261,670 | 770 |
| Average earning assets | $772,676,000 | 794 |
| Average equity | $71,018,000 | 938 |
| Average total loans | $632,143,670 | 705 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8679% | 5,615 |
| Cost of funding earning assets | 2.1309% | 735 |
| Net interest margin | 2.7370% | 7,257 |
| Noninterest income to average assets | 0.0730% | 7,343 |
| Noninterest expense to average assets | 2.4621% | 5,865 |
| Loan and lease loss provision to assets | 3.1958% | 305 |
| Net operating income to assets | -2.1100% | 7,487 |
| Return on assets (ROA) | -2.1028% | 7,487 |
| Pretax return on assets | -3.1661% | 7,611 |
| Return on Equity (ROE) | -26.9650% | 7,530 |
| Retained earnings to average equity (ytd only) | -26.9650% | 7,492 |
| Net charge-offs to loans | 4.1632% | 313 |
| Credit loss provision to net charge-offs | 104.9161% | 3,266 |
| Earnings coverage of net charge-offs (x) | 0.0061% | 5,020 |
| Efficiency ratio | 99.2455% | 867 |
| Assets per employee ($millions) | 4.9844% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5579% | 1,227 |
| Loan loss allowance to noncurrent loans | 23.1028% | 6,850 |
| Noncurrent assets plus other real estate owned to assets | 9.1782% | 479 |
| Noncurrent loans to loans | 11.0721% | 351 |
| Net loans and leases to total assets | 69.8110% | 2,983 |
| Net loans and leases to deposits | 85.8921% | 2,604 |
| Net loans and leases to core deposits | 93.3111% | 2,934 |
| Total domestic deposits to total assets | 81.2777% | 5,356 |
| Equity capital to assets | 8.3341% | 6,254 |
| Core capital (leverage) ratio | 8.2316% | 5,866 |
| Tier 1 risk-based capital ratio | 10.9284% | 6,223 |
| Total risk-based capital ratio | 12.1930% | 6,190 |
| Memoranda: | ||
| Average total assets | $876,160,000 | 787 |
| Average earning assets | $770,766,000 | 812 |
| Average equity | $68,325,500 | 976 |
| Average total loans | $641,043,500 | 714 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2664% | 5,340 |
| Cost of funding earning assets | 2.7390% | 531 |
| Net interest margin | 2.5273% | 7,398 |
| Noninterest income to average assets | -0.2604% | 7,887 |
| Noninterest expense to average assets | 2.7825% | 5,039 |
| Loan and lease loss provision to assets | 3.4530% | 455 |
| Net operating income to assets | -2.8737% | 7,367 |
| Return on assets (ROA) | -2.1114% | 7,130 |
| Pretax return on assets | -3.1145% | 7,325 |
| Return on Equity (ROE) | -27.2676% | 7,347 |
| Retained earnings to average equity (ytd only) | -27.2676% | 7,320 |
| Net charge-offs to loans | 3.8191% | 454 |
| Credit loss provision to net charge-offs | 115.9257% | 4,689 |
| Earnings coverage of net charge-offs (x) | -0.2627% | 6,507 |
| Efficiency ratio | 139.1253% | 394 |
| Assets per employee ($millions) | 4.9157% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3976% | 1,352 |
| Loan loss allowance to noncurrent loans | 21.2495% | 7,000 |
| Noncurrent assets plus other real estate owned to assets | 9.8190% | 379 |
| Noncurrent loans to loans | 11.2832% | 327 |
| Net loans and leases to total assets | 72.9166% | 2,527 |
| Net loans and leases to deposits | 88.6504% | 2,450 |
| Net loans and leases to core deposits | 112.7568% | 2,621 |
| Total domestic deposits to total assets | 82.2519% | 4,837 |
| Equity capital to assets | 7.2550% | 7,234 |
| Core capital (leverage) ratio | 7.1502% | 7,110 |
| Tier 1 risk-based capital ratio | 9.4762% | 7,247 |
| Total risk-based capital ratio | 10.7401% | 7,208 |
| Memoranda: | ||
| Average total assets | $896,361,800 | 752 |
| Average earning assets | $801,672,400 | 760 |
| Average equity | $69,408,400 | 944 |
| Average total loans | $699,092,200 | 666 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3073% | 5,389 |
| Cost of funding earning assets | 2.8501% | 525 |
| Net interest margin | 2.4572% | 7,505 |
| Noninterest income to average assets | -0.3178% | 8,018 |
| Noninterest expense to average assets | 2.7982% | 4,907 |
| Loan and lease loss provision to assets | 4.2381% | 255 |
| Net operating income to assets | -3.4973% | 7,689 |
| Return on assets (ROA) | -2.6218% | 7,493 |
| Pretax return on assets | -3.8646% | 7,668 |
| Return on Equity (ROE) | -33.3515% | 7,667 |
| Retained earnings to average equity (ytd only) | -33.3515% | 7,660 |
| Net charge-offs to loans | 4.5969% | 270 |
| Credit loss provision to net charge-offs | 117.0228% | 4,347 |
| Earnings coverage of net charge-offs (x) | -0.2524% | 6,325 |
| Efficiency ratio | 148.5226% | 329 |
| Assets per employee ($millions) | 5.0337% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2104% | 1,402 |
| Loan loss allowance to noncurrent loans | 19.8368% | 7,100 |
| Noncurrent assets plus other real estate owned to assets | 9.7997% | 358 |
| Noncurrent loans to loans | 11.1427% | 319 |
| Net loans and leases to total assets | 74.5426% | 2,363 |
| Net loans and leases to deposits | 91.6690% | 2,296 |
| Net loans and leases to core deposits | 115.9408% | 2,627 |
| Total domestic deposits to total assets | 81.3171% | 4,957 |
| Equity capital to assets | 7.2613% | 7,453 |
| Core capital (leverage) ratio | 6.6988% | 7,584 |
| Tier 1 risk-based capital ratio | 8.7706% | 7,690 |
| Total risk-based capital ratio | 10.0326% | 7,721 |
| Memoranda: | ||
| Average total assets | $902,932,250 | 761 |
| Average earning assets | $809,082,000 | 767 |
| Average equity | $70,979,500 | 936 |
| Average total loans | $711,360,750 | 669 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4482% | 4,905 |
| Cost of funding earning assets | 2.9530% | 534 |
| Net interest margin | 2.4952% | 7,487 |
| Noninterest income to average assets | -0.2701% | 8,090 |
| Noninterest expense to average assets | 2.9287% | 4,390 |
| Loan and lease loss provision to assets | 5.9302% | 142 |
| Net operating income to assets | -4.6864% | 7,915 |
| Return on assets (ROA) | -3.6247% | 7,781 |
| Pretax return on assets | -5.3289% | 7,902 |
| Return on Equity (ROE) | -44.9943% | 7,883 |
| Retained earnings to average equity (ytd only) | -44.9943% | 7,873 |
| Net charge-offs to loans | 6.1946% | 166 |
| Credit loss provision to net charge-offs | 120.2455% | 3,860 |
| Earnings coverage of net charge-offs (x) | -0.1946% | 5,879 |
| Efficiency ratio | 148.7589% | 378 |
| Assets per employee ($millions) | 5.0584% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1188% | 1,358 |
| Loan loss allowance to noncurrent loans | 25.2967% | 6,825 |
| Noncurrent assets plus other real estate owned to assets | 7.7322% | 506 |
| Noncurrent loans to loans | 8.3759% | 503 |
| Net loans and leases to total assets | 75.6240% | 2,280 |
| Net loans and leases to deposits | 91.0688% | 2,640 |
| Net loans and leases to core deposits | 113.6953% | 2,947 |
| Total domestic deposits to total assets | 83.0405% | 4,218 |
| Equity capital to assets | 7.0526% | 7,580 |
| Core capital (leverage) ratio | 6.5381% | 7,779 |
| Tier 1 risk-based capital ratio | 8.7693% | 7,796 |
| Total risk-based capital ratio | 10.0310% | 7,831 |
| Memoranda: | ||
| Average total assets | $908,600,670 | 776 |
| Average earning assets | $815,237,000 | 783 |
| Average equity | $73,196,000 | 908 |
| Average total loans | $723,374,330 | 679 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3928% | 5,464 |
| Cost of funding earning assets | 3.0857% | 474 |
| Net interest margin | 2.3071% | 7,708 |
| Noninterest income to average assets | 0.0284% | 7,940 |
| Noninterest expense to average assets | 2.0798% | 7,164 |
| Loan and lease loss provision to assets | 6.9538% | 97 |
| Net operating income to assets | -4.6709% | 8,021 |
| Return on assets (ROA) | -3.8024% | 7,957 |
| Pretax return on assets | -5.6354% | 8,025 |
| Return on Equity (ROE) | -44.3815% | 8,022 |
| Retained earnings to average equity (ytd only) | -44.3815% | 8,004 |
| Net charge-offs to loans | 7.3412% | 108 |
| Credit loss provision to net charge-offs | 117.2107% | 3,331 |
| Earnings coverage of net charge-offs (x) | 0.0037% | 4,972 |
| Efficiency ratio | 98.9458% | 1,179 |
| Assets per employee ($millions) | 4.9915% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 3,561 |
| Loan loss allowance to noncurrent loans | 15.4148% | 7,383 |
| Noncurrent assets plus other real estate owned to assets | 8.5923% | 314 |
| Noncurrent loans to loans | 9.0157% | 357 |
| Net loans and leases to total assets | 79.0558% | 1,571 |
| Net loans and leases to deposits | 96.5163% | 1,868 |
| Net loans and leases to core deposits | 122.0035% | 2,255 |
| Total domestic deposits to total assets | 81.9093% | 4,584 |
| Equity capital to assets | 8.1140% | 6,658 |
| Core capital (leverage) ratio | 7.8554% | 6,680 |
| Tier 1 risk-based capital ratio | 10.1370% | 6,765 |
| Total risk-based capital ratio | 11.3894% | 6,682 |
| Memoranda: | ||
| Average total assets | $902,583,000 | 781 |
| Average earning assets | $811,229,500 | 787 |
| Average equity | $77,329,500 | 853 |
| Average total loans | $729,415,000 | 678 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2896% | 4,024 |
| Cost of funding earning assets | 3.5809% | 416 |
| Net interest margin | 2.7086% | 7,487 |
| Noninterest income to average assets | 0.1595% | 7,282 |
| Noninterest expense to average assets | 2.1675% | 7,065 |
| Loan and lease loss provision to assets | 1.1189% | 1,294 |
| Net operating income to assets | -0.4970% | 6,923 |
| Return on assets (ROA) | -0.5364% | 6,831 |
| Pretax return on assets | -0.7011% | 6,811 |
| Return on Equity (ROE) | -5.5770% | 6,920 |
| Retained earnings to average equity (ytd only) | -10.2863% | 7,093 |
| Net charge-offs to loans | 0.7906% | 1,573 |
| Credit loss provision to net charge-offs | 171.7116% | 2,974 |
| Earnings coverage of net charge-offs (x) | 0.7197% | 5,792 |
| Efficiency ratio | 82.2117% | 2,279 |
| Assets per employee ($millions) | 5.1233% | 1,804 |
| Cash dividends to net income (ytd only)* | -84.4416% | 8,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0569% | 5,565 |
| Loan loss allowance to noncurrent loans | 20.3215% | 7,225 |
| Noncurrent assets plus other real estate owned to assets | 5.2903% | 629 |
| Noncurrent loans to loans | 5.2008% | 821 |
| Net loans and leases to total assets | 80.5987% | 1,527 |
| Net loans and leases to deposits | 100.9062% | 1,727 |
| Net loans and leases to core deposits | 129.3715% | 1,903 |
| Total domestic deposits to total assets | 79.8749% | 5,071 |
| Equity capital to assets | 9.0220% | 5,345 |
| Core capital (leverage) ratio | 8.9770% | 4,775 |
| Tier 1 risk-based capital ratio | 11.5087% | 5,235 |
| Total risk-based capital ratio | 12.6129% | 5,272 |
| Memoranda: | ||
| Average total assets | $883,177,000 | 764 |
| Average earning assets | $807,638,600 | 760 |
| Average equity | $84,938,600 | 783 |
| Average total loans | $727,900,600 | 660 |