Home > Parkvale Savings Bank > Performance and Condition Ratios
Parkvale Savings Bank, Performance and Condition Ratios
| 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 | 3.7421% | 6,793 |
| Cost of funding earning assets | 1.5414% | 609 |
| Net interest margin | 2.2007% | 7,175 |
| Noninterest income to average assets | 0.4942% | 3,889 |
| Noninterest expense to average assets | 1.7906% | 6,965 |
| Loan and lease loss provision to assets | 0.1492% | 4,750 |
| Net operating income to assets | 0.4024% | 4,851 |
| Return on assets (ROA) | 0.3765% | 5,142 |
| Pretax return on assets | 0.5328% | 4,893 |
| Return on Equity (ROE) | 4.7794% | 4,488 |
| Retained earnings to average equity (ytd only) | 1.0530% | 5,361 |
| Net charge-offs to loans | 0.5654% | 2,760 |
| Credit loss provision to net charge-offs | 47.8176% | 5,473 |
| Earnings coverage of net charge-offs (x) | 2.3020% | 4,069 |
| Efficiency ratio | 69.3511% | 4,081 |
| Assets per employee ($millions) | 4.7166% | 2,568 |
| Cash dividends to net income (ytd only)* | 77.9681% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 5,854 |
| Loan loss allowance to noncurrent loans | 36.8790% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 2.2785% | 2,650 |
| Noncurrent loans to loans | 2.9523% | 2,203 |
| Net loans and leases to total assets | 51.7544% | 5,349 |
| Net loans and leases to deposits | 62.1325% | 5,224 |
| Net loans and leases to core deposits | 63.0703% | 5,552 |
| Total domestic deposits to total assets | 83.2968% | 4,624 |
| Equity capital to assets | 7.8101% | 6,683 |
| Core capital (leverage) ratio | 6.7018% | 6,943 |
| Tier 1 risk-based capital ratio | 10.7388% | 6,587 |
| Total risk-based capital ratio | 11.6682% | 6,699 |
| Memoranda: | ||
| Average total assets | $1,798,434,000 | 372 |
| Average earning assets | $1,646,587,200 | 365 |
| Average equity | $141,690,600 | 490 |
| Average total loans | $992,812,200 | 423 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7960% | 6,843 |
| Cost of funding earning assets | 1.5660% | 675 |
| Net interest margin | 2.2300% | 7,246 |
| Noninterest income to average assets | 0.5327% | 3,632 |
| Noninterest expense to average assets | 1.7379% | 7,061 |
| Loan and lease loss provision to assets | 0.1715% | 4,323 |
| Net operating income to assets | 0.4661% | 4,694 |
| Return on assets (ROA) | 0.4468% | 4,986 |
| Pretax return on assets | 0.6370% | 4,696 |
| Return on Equity (ROE) | 5.6586% | 4,200 |
| Retained earnings to average equity (ytd only) | 1.7269% | 5,279 |
| Net charge-offs to loans | 0.4213% | 3,038 |
| Credit loss provision to net charge-offs | 72.7702% | 4,386 |
| Earnings coverage of net charge-offs (x) | 3.5481% | 3,399 |
| Efficiency ratio | 65.5491% | 4,795 |
| Assets per employee ($millions) | 4.4724% | 2,962 |
| Cash dividends to net income (ytd only)* | 69.4814% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 5,161 |
| Loan loss allowance to noncurrent loans | 42.4148% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 2.4747% | 2,598 |
| Noncurrent loans to loans | 2.9870% | 2,319 |
| Net loans and leases to total assets | 53.8096% | 5,190 |
| Net loans and leases to deposits | 64.8564% | 5,065 |
| Net loans and leases to core deposits | 65.8946% | 5,427 |
| Total domestic deposits to total assets | 82.9673% | 4,698 |
| Equity capital to assets | 7.8974% | 6,756 |
| Core capital (leverage) ratio | 6.6997% | 7,034 |
| Tier 1 risk-based capital ratio | 10.4330% | 6,805 |
| Total risk-based capital ratio | 11.5137% | 6,858 |
| Memoranda: | ||
| Average total assets | $1,795,252,250 | 375 |
| Average earning assets | $1,643,372,000 | 367 |
| Average equity | $141,750,000 | 500 |
| Average total loans | $1,004,096,750 | 423 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8754% | 6,839 |
| Cost of funding earning assets | 1.5813% | 757 |
| Net interest margin | 2.2940% | 7,282 |
| Noninterest income to average assets | 0.5179% | 3,727 |
| Noninterest expense to average assets | 1.7391% | 7,143 |
| Loan and lease loss provision to assets | 0.1364% | 4,600 |
| Net operating income to assets | 0.5157% | 4,434 |
| Return on assets (ROA) | 0.4867% | 4,704 |
| Pretax return on assets | 0.6986% | 4,390 |
| Return on Equity (ROE) | 6.1641% | 3,879 |
| Retained earnings to average equity (ytd only) | 2.2780% | 4,838 |
| Net charge-offs to loans | 0.4596% | 2,743 |
| Credit loss provision to net charge-offs | 52.6203% | 4,521 |
| Earnings coverage of net charge-offs (x) | 3.3806% | 3,193 |
| Efficiency ratio | 64.5576% | 5,138 |
| Assets per employee ($millions) | 4.9800% | 2,158 |
| Cash dividends to net income (ytd only)* | 63.0435% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 5,472 |
| Loan loss allowance to noncurrent loans | 56.1884% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 2.1833% | 3,005 |
| Noncurrent loans to loans | 2.1697% | 3,260 |
| Net loans and leases to total assets | 54.5834% | 5,210 |
| Net loans and leases to deposits | 66.1103% | 4,991 |
| Net loans and leases to core deposits | 67.1139% | 5,379 |
| Total domestic deposits to total assets | 82.5641% | 4,959 |
| Equity capital to assets | 7.9040% | 6,743 |
| Core capital (leverage) ratio | 6.7140% | 7,076 |
| Tier 1 risk-based capital ratio | 10.2939% | 6,874 |
| Total risk-based capital ratio | 11.3321% | 6,939 |
| Memoranda: | ||
| Average total assets | $1,795,861,670 | 379 |
| Average earning assets | $1,642,162,670 | 373 |
| Average equity | $141,788,670 | 503 |
| Average total loans | $1,012,990,000 | 427 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9296% | 6,787 |
| Cost of funding earning assets | 1.6088% | 793 |
| Net interest margin | 2.3208% | 7,305 |
| Noninterest income to average assets | 0.5329% | 3,625 |
| Noninterest expense to average assets | 1.7607% | 7,176 |
| Loan and lease loss provision to assets | 0.1495% | 4,149 |
| Net operating income to assets | 0.5193% | 4,408 |
| Return on assets (ROA) | 0.4796% | 4,656 |
| Pretax return on assets | 0.6878% | 4,352 |
| Return on Equity (ROE) | 6.0775% | 3,865 |
| Retained earnings to average equity (ytd only) | 3.1674% | 4,273 |
| Net charge-offs to loans | 0.4335% | 2,398 |
| Credit loss provision to net charge-offs | 60.5239% | 3,538 |
| Earnings coverage of net charge-offs (x) | 3.6188% | 2,690 |
| Efficiency ratio | 64.4166% | 5,296 |
| Assets per employee ($millions) | 4.9106% | 2,282 |
| Cash dividends to net income (ytd only)* | 47.8827% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 5,316 |
| Loan loss allowance to noncurrent loans | 57.3668% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 2.2090% | 3,052 |
| Noncurrent loans to loans | 2.2071% | 3,308 |
| Net loans and leases to total assets | 55.5806% | 5,064 |
| Net loans and leases to deposits | 67.3489% | 4,775 |
| Net loans and leases to core deposits | 68.3407% | 5,248 |
| Total domestic deposits to total assets | 82.5262% | 5,100 |
| Equity capital to assets | 7.9048% | 6,592 |
| Core capital (leverage) ratio | 6.7262% | 7,107 |
| Tier 1 risk-based capital ratio | 10.5015% | 6,802 |
| Total risk-based capital ratio | 11.6277% | 6,855 |
| Memoranda: | ||
| Average total assets | $1,792,421,500 | 383 |
| Average earning assets | $1,638,741,000 | 375 |
| Average equity | $141,439,000 | 498 |
| Average total loans | $1,021,414,000 | 426 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 6,994 |
| Cost of funding earning assets | 1.8435% | 1,016 |
| Net interest margin | 2.3036% | 7,366 |
| Noninterest income to average assets | 0.4905% | 4,246 |
| Noninterest expense to average assets | 1.6926% | 7,356 |
| Loan and lease loss provision to assets | 0.2607% | 4,706 |
| Net operating income to assets | 0.4431% | 4,349 |
| Return on assets (ROA) | -0.8025% | 6,602 |
| Pretax return on assets | -1.2993% | 6,779 |
| Return on Equity (ROE) | -9.6840% | 6,715 |
| Retained earnings to average equity (ytd only) | -14.5269% | 6,865 |
| Net charge-offs to loans | 0.5496% | 3,412 |
| Credit loss provision to net charge-offs | 84.1381% | 5,381 |
| Earnings coverage of net charge-offs (x) | 2.9296% | 3,609 |
| Efficiency ratio | 63.2028% | 5,482 |
| Assets per employee ($millions) | 4.8182% | 2,402 |
| Cash dividends to net income (ytd only)* | -50.0101% | 7,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 5,081 |
| Loan loss allowance to noncurrent loans | 48.7775% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 2.4626% | 2,813 |
| Noncurrent loans to loans | 2.6339% | 2,889 |
| Net loans and leases to total assets | 56.9397% | 5,198 |
| Net loans and leases to deposits | 69.6714% | 4,854 |
| Net loans and leases to core deposits | 70.6749% | 5,381 |
| Total domestic deposits to total assets | 81.7261% | 5,279 |
| Equity capital to assets | 7.8770% | 6,613 |
| Core capital (leverage) ratio | 6.5239% | 7,189 |
| Tier 1 risk-based capital ratio | 10.0853% | 6,942 |
| Total risk-based capital ratio | 11.2289% | 6,975 |
| Memoranda: | ||
| Average total assets | $1,851,502,600 | 378 |
| Average earning assets | $1,695,813,400 | 368 |
| Average equity | $153,439,200 | 446 |
| Average total loans | $1,043,759,000 | 429 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 7,094 |
| Cost of funding earning assets | 1.8924% | 1,055 |
| Net interest margin | 2.3018% | 7,483 |
| Noninterest income to average assets | 0.4896% | 4,272 |
| Noninterest expense to average assets | 1.6927% | 7,442 |
| Loan and lease loss provision to assets | 0.2906% | 4,253 |
| Net operating income to assets | 0.4135% | 4,690 |
| Return on assets (ROA) | -1.1899% | 7,015 |
| Pretax return on assets | -1.8891% | 7,166 |
| Return on Equity (ROE) | -14.1897% | 7,080 |
| Retained earnings to average equity (ytd only) | -19.2983% | 7,186 |
| Net charge-offs to loans | 0.5783% | 3,008 |
| Credit loss provision to net charge-offs | 89.6278% | 4,781 |
| Earnings coverage of net charge-offs (x) | 2.7970% | 3,742 |
| Efficiency ratio | 63.2436% | 5,394 |
| Assets per employee ($millions) | 4.6766% | 2,634 |
| Cash dividends to net income (ytd only)* | -36.0014% | 7,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3309% | 4,794 |
| Loan loss allowance to noncurrent loans | 50.1300% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 2.4528% | 2,914 |
| Noncurrent loans to loans | 2.6550% | 2,978 |
| Net loans and leases to total assets | 55.7726% | 5,574 |
| Net loans and leases to deposits | 68.4792% | 5,353 |
| Net loans and leases to core deposits | 69.6148% | 5,785 |
| Total domestic deposits to total assets | 81.4446% | 5,222 |
| Equity capital to assets | 7.6872% | 7,007 |
| Core capital (leverage) ratio | 6.3130% | 7,383 |
| Tier 1 risk-based capital ratio | 9.8977% | 7,119 |
| Total risk-based capital ratio | 11.0720% | 7,139 |
| Memoranda: | ||
| Average total assets | $1,867,487,000 | 371 |
| Average earning assets | $1,711,793,750 | 361 |
| Average equity | $156,597,500 | 434 |
| Average total loans | $1,046,928,500 | 427 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2538% | 7,111 |
| Cost of funding earning assets | 1.9344% | 1,090 |
| Net interest margin | 2.3194% | 7,521 |
| Noninterest income to average assets | 0.4587% | 4,447 |
| Noninterest expense to average assets | 1.6574% | 7,530 |
| Loan and lease loss provision to assets | 0.3429% | 3,673 |
| Net operating income to assets | 0.3620% | 4,924 |
| Return on assets (ROA) | -2.0346% | 7,325 |
| Pretax return on assets | -3.1564% | 7,496 |
| Return on Equity (ROE) | -23.6303% | 7,349 |
| Retained earnings to average equity (ytd only) | -27.8231% | 7,389 |
| Net charge-offs to loans | 0.6404% | 2,625 |
| Credit loss provision to net charge-offs | 95.7592% | 4,245 |
| Earnings coverage of net charge-offs (x) | 2.6005% | 3,697 |
| Efficiency ratio | 62.1667% | 5,661 |
| Assets per employee ($millions) | 4.9761% | 2,211 |
| Cash dividends to net income (ytd only)* | -17.7435% | 7,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3393% | 4,735 |
| Loan loss allowance to noncurrent loans | 52.3614% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 2.3800% | 3,028 |
| Noncurrent loans to loans | 2.5578% | 3,093 |
| Net loans and leases to total assets | 56.0718% | 5,690 |
| Net loans and leases to deposits | 69.2510% | 5,380 |
| Net loans and leases to core deposits | 70.4994% | 5,827 |
| Total domestic deposits to total assets | 80.9689% | 5,407 |
| Equity capital to assets | 7.6522% | 7,023 |
| Core capital (leverage) ratio | 6.1911% | 7,449 |
| Tier 1 risk-based capital ratio | 9.4184% | 7,296 |
| Total risk-based capital ratio | 10.5651% | 7,328 |
| Memoranda: | ||
| Average total assets | $1,883,586,670 | 370 |
| Average earning assets | $1,729,557,000 | 359 |
| Average equity | $162,181,670 | 420 |
| Average total loans | $1,053,139,670 | 427 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2727% | 7,175 |
| Cost of funding earning assets | 2.0003% | 1,083 |
| Net interest margin | 2.2724% | 7,610 |
| Noninterest income to average assets | 0.4336% | 4,624 |
| Noninterest expense to average assets | 1.6627% | 7,607 |
| Loan and lease loss provision to assets | 0.1930% | 4,569 |
| Net operating income to assets | 0.4954% | 4,411 |
| Return on assets (ROA) | 0.3593% | 5,158 |
| Pretax return on assets | 0.4882% | 5,006 |
| Return on Equity (ROE) | 3.9600% | 4,912 |
| Retained earnings to average equity (ytd only) | 0.0255% | 5,810 |
| Net charge-offs to loans | 0.8367% | 1,859 |
| Credit loss provision to net charge-offs | 41.5837% | 4,613 |
| Earnings coverage of net charge-offs (x) | 1.8643% | 3,617 |
| Efficiency ratio | 63.8894% | 5,514 |
| Assets per employee ($millions) | 5.1214% | 2,063 |
| Cash dividends to net income (ytd only)* | 99.3571% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 5,333 |
| Loan loss allowance to noncurrent loans | 50.6855% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 4.2406% | 1,608 |
| Noncurrent loans to loans | 2.4271% | 3,247 |
| Net loans and leases to total assets | 54.5141% | 5,960 |
| Net loans and leases to deposits | 68.2661% | 5,560 |
| Net loans and leases to core deposits | 69.5343% | 5,953 |
| Total domestic deposits to total assets | 79.8553% | 5,836 |
| Equity capital to assets | 9.0351% | 5,226 |
| Core capital (leverage) ratio | 7.8652% | 6,420 |
| Tier 1 risk-based capital ratio | 10.9019% | 6,247 |
| Total risk-based capital ratio | 11.8520% | 6,532 |
| Memoranda: | ||
| Average total assets | $1,904,805,000 | 377 |
| Average earning assets | $1,755,534,000 | 366 |
| Average equity | $172,828,500 | 403 |
| Average total loans | $1,056,519,500 | 446 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7175% | 7,110 |
| Cost of funding earning assets | 2.4269% | 1,222 |
| Net interest margin | 2.2906% | 7,603 |
| Noninterest income to average assets | 0.4596% | 4,721 |
| Noninterest expense to average assets | 1.5850% | 7,777 |
| Loan and lease loss provision to assets | 0.3243% | 4,868 |
| Net operating income to assets | 0.4437% | 3,958 |
| Return on assets (ROA) | -0.3904% | 6,057 |
| Pretax return on assets | -0.6031% | 6,097 |
| Return on Equity (ROE) | -4.2565% | 6,137 |
| Retained earnings to average equity (ytd only) | -4.2565% | 5,911 |
| Net charge-offs to loans | 0.6236% | 3,341 |
| Credit loss provision to net charge-offs | 88.1211% | 6,060 |
| Earnings coverage of net charge-offs (x) | 2.7296% | 3,735 |
| Efficiency ratio | 59.3657% | 6,576 |
| Assets per employee ($millions) | 5.1748% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 4,613 |
| Loan loss allowance to noncurrent loans | 46.4835% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 4.3051% | 1,519 |
| Noncurrent loans to loans | 2.8539% | 2,697 |
| Net loans and leases to total assets | 54.9967% | 6,082 |
| Net loans and leases to deposits | 68.9193% | 5,733 |
| Net loans and leases to core deposits | 79.9994% | 6,102 |
| Total domestic deposits to total assets | 79.7987% | 5,727 |
| Equity capital to assets | 9.1111% | 4,971 |
| Core capital (leverage) ratio | 7.8306% | 6,412 |
| Tier 1 risk-based capital ratio | 11.1760% | 5,748 |
| Total risk-based capital ratio | 12.2494% | 5,882 |
| Memoranda: | ||
| Average total assets | $1,903,331,600 | 365 |
| Average earning assets | $1,769,721,600 | 360 |
| Average equity | $174,578,600 | 394 |
| Average total loans | $1,123,220,600 | 439 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8259% | 7,059 |
| Cost of funding earning assets | 2.5000% | 1,302 |
| Net interest margin | 2.3259% | 7,624 |
| Noninterest income to average assets | 0.4648% | 4,782 |
| Noninterest expense to average assets | 1.6032% | 7,829 |
| Loan and lease loss provision to assets | 0.3537% | 4,202 |
| Net operating income to assets | 0.4492% | 4,198 |
| Return on assets (ROA) | -0.7137% | 6,632 |
| Pretax return on assets | -1.0617% | 6,727 |
| Return on Equity (ROE) | -7.7679% | 6,710 |
| Retained earnings to average equity (ytd only) | -7.7679% | 6,575 |
| Net charge-offs to loans | 0.5655% | 2,991 |
| Credit loss provision to net charge-offs | 104.5407% | 4,863 |
| Earnings coverage of net charge-offs (x) | 3.0375% | 3,712 |
| Efficiency ratio | 59.1168% | 6,547 |
| Assets per employee ($millions) | 4.7911% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 3,953 |
| Loan loss allowance to noncurrent loans | 43.6197% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 4.0513% | 1,568 |
| Noncurrent loans to loans | 3.2080% | 2,357 |
| Net loans and leases to total assets | 56.3396% | 6,105 |
| Net loans and leases to deposits | 70.7408% | 5,822 |
| Net loans and leases to core deposits | 82.5500% | 6,146 |
| Total domestic deposits to total assets | 79.6423% | 5,579 |
| Equity capital to assets | 9.1332% | 5,282 |
| Core capital (leverage) ratio | 7.6703% | 6,770 |
| Tier 1 risk-based capital ratio | 10.6704% | 6,273 |
| Total risk-based capital ratio | 11.8285% | 6,343 |
| Memoranda: | ||
| Average total assets | $1,900,495,250 | 380 |
| Average earning assets | $1,769,968,000 | 371 |
| Average equity | $174,611,250 | 406 |
| Average total loans | $1,137,234,000 | 448 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9593% | 6,896 |
| Cost of funding earning assets | 2.5769% | 1,353 |
| Net interest margin | 2.3823% | 7,590 |
| Noninterest income to average assets | 0.4474% | 4,873 |
| Noninterest expense to average assets | 1.6020% | 7,907 |
| Loan and lease loss provision to assets | 0.3077% | 4,109 |
| Net operating income to assets | 0.5343% | 3,965 |
| Return on assets (ROA) | -1.1833% | 7,112 |
| Pretax return on assets | -1.6621% | 7,154 |
| Return on Equity (ROE) | -12.8536% | 7,221 |
| Retained earnings to average equity (ytd only) | -12.8536% | 7,107 |
| Net charge-offs to loans | 0.4364% | 3,062 |
| Credit loss provision to net charge-offs | 116.0842% | 3,991 |
| Earnings coverage of net charge-offs (x) | 4.0167% | 3,240 |
| Efficiency ratio | 58.2837% | 6,816 |
| Assets per employee ($millions) | 4.7294% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 3,890 |
| Loan loss allowance to noncurrent loans | 55.1816% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 3.2614% | 1,913 |
| Noncurrent loans to loans | 2.4812% | 2,921 |
| Net loans and leases to total assets | 58.1832% | 5,940 |
| Net loans and leases to deposits | 73.3795% | 5,555 |
| Net loans and leases to core deposits | 85.7840% | 5,922 |
| Total domestic deposits to total assets | 79.2909% | 5,722 |
| Equity capital to assets | 9.0398% | 5,255 |
| Core capital (leverage) ratio | 7.5687% | 6,939 |
| Tier 1 risk-based capital ratio | 10.2645% | 6,635 |
| Total risk-based capital ratio | 11.4146% | 6,686 |
| Memoranda: | ||
| Average total assets | $1,899,972,670 | 391 |
| Average earning assets | $1,769,942,330 | 381 |
| Average equity | $174,908,330 | 407 |
| Average total loans | $1,154,038,000 | 452 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0269% | 6,866 |
| Cost of funding earning assets | 2.6675% | 1,352 |
| Net interest margin | 2.3594% | 7,664 |
| Noninterest income to average assets | 0.4959% | 4,356 |
| Noninterest expense to average assets | 1.5313% | 7,962 |
| Loan and lease loss provision to assets | 0.3650% | 3,131 |
| Net operating income to assets | 0.6217% | 3,929 |
| Return on assets (ROA) | -2.7013% | 7,798 |
| Pretax return on assets | -3.5186% | 7,842 |
| Return on Equity (ROE) | -29.0801% | 7,899 |
| Retained earnings to average equity (ytd only) | -29.0801% | 7,847 |
| Net charge-offs to loans | 0.3114% | 2,858 |
| Credit loss provision to net charge-offs | 190.2198% | 2,312 |
| Earnings coverage of net charge-offs (x) | 6.0560% | 2,552 |
| Efficiency ratio | 55.0771% | 7,094 |
| Assets per employee ($millions) | 4.8855% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 3,711 |
| Loan loss allowance to noncurrent loans | 63.3693% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 3.0646% | 1,845 |
| Noncurrent loans to loans | 2.1530% | 3,049 |
| Net loans and leases to total assets | 59.9896% | 5,652 |
| Net loans and leases to deposits | 75.5966% | 5,277 |
| Net loans and leases to core deposits | 88.0571% | 5,732 |
| Total domestic deposits to total assets | 79.3549% | 5,586 |
| Equity capital to assets | 8.9739% | 5,389 |
| Core capital (leverage) ratio | 7.5170% | 7,144 |
| Tier 1 risk-based capital ratio | 9.4839% | 7,439 |
| Total risk-based capital ratio | 10.5448% | 7,567 |
| Memoranda: | ||
| Average total assets | $1,896,990,500 | 393 |
| Average earning assets | $1,766,749,000 | 380 |
| Average equity | $176,216,500 | 409 |
| Average total loans | $1,168,892,000 | 452 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5646% | 7,167 |
| Cost of funding earning assets | 3.1013% | 1,503 |
| Net interest margin | 2.4633% | 7,795 |
| Noninterest income to average assets | 0.5041% | 4,594 |
| Noninterest expense to average assets | 1.5268% | 8,022 |
| Loan and lease loss provision to assets | 0.2085% | 4,809 |
| Net operating income to assets | 0.7536% | 3,650 |
| Return on assets (ROA) | 0.5689% | 4,306 |
| Pretax return on assets | 0.8002% | 4,069 |
| Return on Equity (ROE) | 7.5598% | 3,256 |
| Retained earnings to average equity (ytd only) | 4.9718% | 2,044 |
| Net charge-offs to loans | 0.2553% | 3,721 |
| Credit loss provision to net charge-offs | 125.6193% | 4,250 |
| Earnings coverage of net charge-offs (x) | 7.6441% | 3,056 |
| Efficiency ratio | 52.8555% | 7,400 |
| Assets per employee ($millions) | 4.8928% | 2,057 |
| Cash dividends to net income (ytd only)* | 34.2335% | 3,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 3,980 |
| Loan loss allowance to noncurrent loans | 108.4038% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 2.5591% | 1,888 |
| Noncurrent loans to loans | 1.1728% | 4,177 |
| Net loans and leases to total assets | 61.6305% | 5,675 |
| Net loans and leases to deposits | 78.3529% | 5,286 |
| Net loans and leases to core deposits | 90.9947% | 5,719 |
| Total domestic deposits to total assets | 78.6576% | 5,497 |
| Equity capital to assets | 9.6075% | 4,533 |
| Core capital (leverage) ratio | 8.3875% | 5,792 |
| Tier 1 risk-based capital ratio | 13.9987% | 3,551 |
| Total risk-based capital ratio | 15.2504% | 3,468 |
| Memoranda: | ||
| Average total assets | $1,848,409,000 | 387 |
| Average earning assets | $1,719,469,200 | 379 |
| Average equity | $139,104,600 | 503 |
| Average total loans | $1,201,947,400 | 430 |