Home > Peoples Bank of Virginia > Performance and Condition Ratios
Peoples Bank of Virginia, Performance and Condition Ratios
| 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 | 4.1775% | 5,185 |
| Cost of funding earning assets | 1.1500% | 1,173 |
| Net interest margin | 3.0275% | 6,232 |
| Noninterest income to average assets | 0.1693% | 6,368 |
| Noninterest expense to average assets | 1.9601% | 6,536 |
| Loan and lease loss provision to assets | 0.1422% | 3,578 |
| Net operating income to assets | 0.6401% | 4,172 |
| Return on assets (ROA) | 0.6401% | 4,382 |
| Pretax return on assets | 0.9615% | 3,824 |
| Return on Equity (ROE) | 4.5790% | 4,999 |
| Retained earnings to average equity (ytd only) | 4.5790% | 3,834 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9740% | 4,926 |
| Assets per employee ($millions) | 7.4739% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1552% | 1,977 |
| Loan loss allowance to noncurrent loans | 131.8567% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 1.1735% | 4,168 |
| Noncurrent loans to loans | 1.6345% | 3,656 |
| Net loans and leases to total assets | 66.4567% | 2,379 |
| Net loans and leases to deposits | 77.7250% | 2,566 |
| Net loans and leases to core deposits | 85.6393% | 2,335 |
| Total domestic deposits to total assets | 85.5024% | 3,789 |
| Equity capital to assets | 14.2915% | 926 |
| Core capital (leverage) ratio | 14.0487% | 795 |
| Tier 1 risk-based capital ratio | 21.3254% | 1,417 |
| Total risk-based capital ratio | 22.5918% | 1,389 |
| Memoranda: | ||
| Average total assets | $281,216,500 | 2,306 |
| Average earning assets | $268,866,000 | 2,212 |
| Average equity | $39,309,500 | 1,764 |
| Average total loans | $186,605,500 | 2,154 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4777% | 5,159 |
| Cost of funding earning assets | 1.2607% | 1,676 |
| Net interest margin | 3.2170% | 6,041 |
| Noninterest income to average assets | 0.1772% | 6,224 |
| Noninterest expense to average assets | 1.7401% | 7,022 |
| Loan and lease loss provision to assets | 0.4301% | 2,446 |
| Net operating income to assets | 0.7209% | 3,383 |
| Return on assets (ROA) | 0.7209% | 3,551 |
| Pretax return on assets | 1.0863% | 2,889 |
| Return on Equity (ROE) | 5.5032% | 4,132 |
| Retained earnings to average equity (ytd only) | 5.5032% | 2,298 |
| Net charge-offs to loans | 0.6887% | 2,430 |
| Credit loss provision to net charge-offs | 93.4230% | 3,858 |
| Earnings coverage of net charge-offs (x) | 3.2937% | 3,569 |
| Efficiency ratio | 53.4341% | 6,568 |
| Assets per employee ($millions) | 7.7270% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1296% | 1,932 |
| Loan loss allowance to noncurrent loans | 122.0025% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 1.1931% | 4,249 |
| Noncurrent loans to loans | 1.7455% | 3,538 |
| Net loans and leases to total assets | 63.4628% | 3,297 |
| Net loans and leases to deposits | 73.6769% | 3,549 |
| Net loans and leases to core deposits | 84.5791% | 2,808 |
| Total domestic deposits to total assets | 86.1367% | 3,237 |
| Equity capital to assets | 13.6755% | 1,185 |
| Core capital (leverage) ratio | 13.3981% | 1,006 |
| Tier 1 risk-based capital ratio | 20.7806% | 1,464 |
| Total risk-based capital ratio | 22.0459% | 1,435 |
| Memoranda: | ||
| Average total assets | $290,616,400 | 2,193 |
| Average earning assets | $278,175,800 | 2,112 |
| Average equity | $38,068,800 | 1,771 |
| Average total loans | $194,269,000 | 2,092 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5426% | 5,111 |
| Cost of funding earning assets | 1.2793% | 1,823 |
| Net interest margin | 3.2633% | 5,974 |
| Noninterest income to average assets | 0.1791% | 6,306 |
| Noninterest expense to average assets | 1.7651% | 7,035 |
| Loan and lease loss provision to assets | 0.4798% | 2,069 |
| Net operating income to assets | 0.7023% | 3,609 |
| Return on assets (ROA) | 0.7023% | 3,774 |
| Pretax return on assets | 1.0578% | 3,179 |
| Return on Equity (ROE) | 5.4197% | 4,326 |
| Retained earnings to average equity (ytd only) | 5.4197% | 2,898 |
| Net charge-offs to loans | 0.3481% | 3,355 |
| Credit loss provision to net charge-offs | 204.6784% | 1,430 |
| Earnings coverage of net charge-offs (x) | 6.5595% | 2,532 |
| Efficiency ratio | 53.4449% | 6,547 |
| Assets per employee ($millions) | 7.9550% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4049% | 1,530 |
| Loan loss allowance to noncurrent loans | 253.2964% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6727% | 5,461 |
| Noncurrent loans to loans | 0.9495% | 4,985 |
| Net loans and leases to total assets | 63.0354% | 3,506 |
| Net loans and leases to deposits | 73.9963% | 3,655 |
| Net loans and leases to core deposits | 85.9249% | 2,778 |
| Total domestic deposits to total assets | 85.1873% | 3,687 |
| Equity capital to assets | 13.1122% | 1,556 |
| Core capital (leverage) ratio | 12.9472% | 1,248 |
| Tier 1 risk-based capital ratio | 19.9574% | 1,697 |
| Total risk-based capital ratio | 21.2260% | 1,664 |
| Memoranda: | ||
| Average total assets | $291,796,000 | 2,197 |
| Average earning assets | $279,303,000 | 2,109 |
| Average equity | $37,811,500 | 1,785 |
| Average total loans | $196,489,500 | 2,093 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5470% | 5,185 |
| Cost of funding earning assets | 1.2915% | 1,995 |
| Net interest margin | 3.2554% | 5,989 |
| Noninterest income to average assets | 0.1554% | 6,542 |
| Noninterest expense to average assets | 1.7110% | 7,171 |
| Loan and lease loss provision to assets | 0.5156% | 1,900 |
| Net operating income to assets | 0.6950% | 3,566 |
| Return on assets (ROA) | 0.6950% | 3,684 |
| Pretax return on assets | 1.0476% | 3,051 |
| Return on Equity (ROE) | 5.3847% | 4,261 |
| Retained earnings to average equity (ytd only) | 5.3847% | 2,749 |
| Net charge-offs to loans | 0.3645% | 3,096 |
| Credit loss provision to net charge-offs | 207.1823% | 1,449 |
| Earnings coverage of net charge-offs (x) | 6.2818% | 2,428 |
| Efficiency ratio | 52.2570% | 6,768 |
| Assets per employee ($millions) | 7.9372% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2391% | 1,843 |
| Loan loss allowance to noncurrent loans | 228.8670% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.6998% | 5,507 |
| Noncurrent loans to loans | 0.9783% | 5,026 |
| Net loans and leases to total assets | 65.7721% | 3,075 |
| Net loans and leases to deposits | 76.9084% | 3,304 |
| Net loans and leases to core deposits | 88.9739% | 2,501 |
| Total domestic deposits to total assets | 85.5201% | 3,613 |
| Equity capital to assets | 12.9857% | 1,521 |
| Core capital (leverage) ratio | 12.9947% | 1,165 |
| Tier 1 risk-based capital ratio | 18.7649% | 1,917 |
| Total risk-based capital ratio | 20.0310% | 1,874 |
| Memoranda: | ||
| Average total assets | $290,949,330 | 2,212 |
| Average earning assets | $278,736,000 | 2,114 |
| Average equity | $37,550,670 | 1,787 |
| Average total loans | $198,616,670 | 2,098 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5025% | 5,330 |
| Cost of funding earning assets | 1.3202% | 2,065 |
| Net interest margin | 3.1823% | 6,123 |
| Noninterest income to average assets | 0.0995% | 6,920 |
| Noninterest expense to average assets | 1.6658% | 7,257 |
| Loan and lease loss provision to assets | 0.5525% | 1,564 |
| Net operating income to assets | 0.6174% | 3,949 |
| Return on assets (ROA) | 0.6174% | 4,015 |
| Pretax return on assets | 0.9310% | 3,398 |
| Return on Equity (ROE) | 4.7990% | 4,501 |
| Retained earnings to average equity (ytd only) | 4.7990% | 3,303 |
| Net charge-offs to loans | 0.7251% | 1,766 |
| Credit loss provision to net charge-offs | 110.8033% | 2,417 |
| Earnings coverage of net charge-offs (x) | 2.9751% | 2,895 |
| Efficiency ratio | 52.8947% | 6,787 |
| Assets per employee ($millions) | 8.0666% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0546% | 2,280 |
| Loan loss allowance to noncurrent loans | 179.5945% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.7986% | 5,313 |
| Noncurrent loans to loans | 1.1440% | 4,790 |
| Net loans and leases to total assets | 66.8949% | 2,788 |
| Net loans and leases to deposits | 78.2196% | 3,020 |
| Net loans and leases to core deposits | 89.8848% | 2,364 |
| Total domestic deposits to total assets | 85.5218% | 3,772 |
| Equity capital to assets | 12.9041% | 1,421 |
| Core capital (leverage) ratio | 12.8455% | 1,180 |
| Tier 1 risk-based capital ratio | 18.2695% | 2,034 |
| Total risk-based capital ratio | 19.5334% | 1,980 |
| Memoranda: | ||
| Average total assets | $289,586,000 | 2,231 |
| Average earning assets | $277,533,000 | 2,131 |
| Average equity | $37,258,000 | 1,785 |
| Average total loans | $199,134,500 | 2,116 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7183% | 5,741 |
| Cost of funding earning assets | 1.5858% | 2,156 |
| Net interest margin | 3.1325% | 6,432 |
| Noninterest income to average assets | 0.1888% | 6,405 |
| Noninterest expense to average assets | 1.6284% | 7,388 |
| Loan and lease loss provision to assets | 1.0883% | 1,473 |
| Net operating income to assets | 0.3239% | 4,856 |
| Return on assets (ROA) | 0.3239% | 5,016 |
| Pretax return on assets | 0.4745% | 4,709 |
| Return on Equity (ROE) | 2.5582% | 5,152 |
| Retained earnings to average equity (ytd only) | 2.5582% | 4,079 |
| Net charge-offs to loans | 0.7599% | 2,740 |
| Credit loss provision to net charge-offs | 202.5790% | 1,536 |
| Earnings coverage of net charge-offs (x) | 2.9091% | 3,621 |
| Efficiency ratio | 51.0257% | 7,057 |
| Assets per employee ($millions) | 7.8048% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0187% | 2,260 |
| Loan loss allowance to noncurrent loans | 143.1206% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 1.2737% | 4,489 |
| Noncurrent loans to loans | 1.4105% | 4,367 |
| Net loans and leases to total assets | 67.8374% | 3,018 |
| Net loans and leases to deposits | 79.0855% | 3,324 |
| Net loans and leases to core deposits | 93.0548% | 2,378 |
| Total domestic deposits to total assets | 85.7772% | 3,461 |
| Equity capital to assets | 12.8276% | 1,476 |
| Core capital (leverage) ratio | 12.6021% | 1,269 |
| Tier 1 risk-based capital ratio | 18.0949% | 1,968 |
| Total risk-based capital ratio | 19.3579% | 1,933 |
| Memoranda: | ||
| Average total assets | $288,696,000 | 2,223 |
| Average earning assets | $276,710,600 | 2,140 |
| Average equity | $36,549,400 | 1,812 |
| Average total loans | $204,093,800 | 2,122 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7694% | 5,788 |
| Cost of funding earning assets | 1.6359% | 2,177 |
| Net interest margin | 3.1335% | 6,525 |
| Noninterest income to average assets | 0.1727% | 6,646 |
| Noninterest expense to average assets | 1.5754% | 7,515 |
| Loan and lease loss provision to assets | 1.2203% | 1,169 |
| Net operating income to assets | 0.2522% | 5,343 |
| Return on assets (ROA) | 0.2522% | 5,502 |
| Pretax return on assets | 0.3797% | 5,283 |
| Return on Equity (ROE) | 1.9985% | 5,609 |
| Retained earnings to average equity (ytd only) | 1.9985% | 4,957 |
| Net charge-offs to loans | 0.8372% | 2,363 |
| Credit loss provision to net charge-offs | 205.1242% | 1,726 |
| Earnings coverage of net charge-offs (x) | 2.6894% | 3,803 |
| Efficiency ratio | 49.6145% | 7,178 |
| Assets per employee ($millions) | 8.2398% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8671% | 2,583 |
| Loan loss allowance to noncurrent loans | 107.6509% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 1.3947% | 4,369 |
| Noncurrent loans to loans | 1.7344% | 4,044 |
| Net loans and leases to total assets | 67.3127% | 3,376 |
| Net loans and leases to deposits | 78.4217% | 3,751 |
| Net loans and leases to core deposits | 92.5182% | 2,723 |
| Total domestic deposits to total assets | 85.8343% | 3,165 |
| Equity capital to assets | 12.3891% | 1,921 |
| Core capital (leverage) ratio | 12.5105% | 1,402 |
| Tier 1 risk-based capital ratio | 17.7336% | 2,097 |
| Total risk-based capital ratio | 18.9952% | 2,061 |
| Memoranda: | ||
| Average total assets | $288,676,000 | 2,255 |
| Average earning assets | $276,617,500 | 2,171 |
| Average equity | $36,426,000 | 1,838 |
| Average total loans | $205,133,750 | 2,143 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8683% | 5,543 |
| Cost of funding earning assets | 1.6860% | 2,191 |
| Net interest margin | 3.1823% | 6,374 |
| Noninterest income to average assets | 0.1741% | 6,660 |
| Noninterest expense to average assets | 1.5866% | 7,573 |
| Loan and lease loss provision to assets | 1.4628% | 911 |
| Net operating income to assets | 0.1161% | 5,813 |
| Return on assets (ROA) | 0.1161% | 5,925 |
| Pretax return on assets | 0.1734% | 5,838 |
| Return on Equity (ROE) | 0.9141% | 5,974 |
| Retained earnings to average equity (ytd only) | 0.9141% | 5,395 |
| Net charge-offs to loans | 0.5406% | 2,905 |
| Credit loss provision to net charge-offs | 376.2590% | 965 |
| Earnings coverage of net charge-offs (x) | 4.2086% | 3,021 |
| Efficiency ratio | 49.2298% | 7,273 |
| Assets per employee ($millions) | 8.2445% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9310% | 2,338 |
| Loan loss allowance to noncurrent loans | 109.6721% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 1.6056% | 4,034 |
| Noncurrent loans to loans | 1.7607% | 4,045 |
| Net loans and leases to total assets | 70.0484% | 2,885 |
| Net loans and leases to deposits | 81.2829% | 3,390 |
| Net loans and leases to core deposits | 100.1993% | 1,996 |
| Total domestic deposits to total assets | 86.1786% | 2,995 |
| Equity capital to assets | 12.6134% | 1,735 |
| Core capital (leverage) ratio | 12.5070% | 1,408 |
| Tier 1 risk-based capital ratio | 17.0580% | 2,256 |
| Total risk-based capital ratio | 18.3202% | 2,206 |
| Memoranda: | ||
| Average total assets | $286,024,000 | 2,290 |
| Average earning assets | $274,016,670 | 2,205 |
| Average equity | $36,318,000 | 1,833 |
| Average total loans | $205,688,330 | 2,164 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8825% | 5,547 |
| Cost of funding earning assets | 1.7164% | 2,308 |
| Net interest margin | 3.1661% | 6,400 |
| Noninterest income to average assets | 0.2233% | 6,367 |
| Noninterest expense to average assets | 1.5775% | 7,671 |
| Loan and lease loss provision to assets | 0.7024% | 1,811 |
| Net operating income to assets | 0.6462% | 3,683 |
| Return on assets (ROA) | 0.6462% | 3,801 |
| Pretax return on assets | 0.9777% | 3,175 |
| Return on Equity (ROE) | 5.0719% | 4,331 |
| Retained earnings to average equity (ytd only) | 5.0719% | 3,121 |
| Net charge-offs to loans | 0.2317% | 3,541 |
| Credit loss provision to net charge-offs | 420.1681% | 985 |
| Earnings coverage of net charge-offs (x) | 10.0504% | 1,786 |
| Efficiency ratio | 48.4260% | 7,409 |
| Assets per employee ($millions) | 8.2298% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 4,524 |
| Loan loss allowance to noncurrent loans | 128.2342% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 1.0460% | 5,051 |
| Noncurrent loans to loans | 1.0751% | 5,199 |
| Net loans and leases to total assets | 70.1572% | 2,896 |
| Net loans and leases to deposits | 81.6016% | 3,351 |
| Net loans and leases to core deposits | 100.5328% | 2,078 |
| Total domestic deposits to total assets | 85.9754% | 3,165 |
| Equity capital to assets | 12.6571% | 1,672 |
| Core capital (leverage) ratio | 12.8528% | 1,268 |
| Tier 1 risk-based capital ratio | 17.2089% | 2,194 |
| Total risk-based capital ratio | 18.4640% | 2,145 |
| Memoranda: | ||
| Average total assets | $284,756,500 | 2,350 |
| Average earning assets | $272,895,000 | 2,263 |
| Average equity | $36,278,500 | 1,851 |
| Average total loans | $205,477,000 | 2,222 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1463% | 5,895 |
| Cost of funding earning assets | 2.0838% | 2,550 |
| Net interest margin | 3.0625% | 6,486 |
| Noninterest income to average assets | 0.2549% | 6,280 |
| Noninterest expense to average assets | 1.7538% | 7,656 |
| Loan and lease loss provision to assets | 0.3925% | 4,442 |
| Net operating income to assets | 0.6957% | 2,947 |
| Return on assets (ROA) | 0.6957% | 3,024 |
| Pretax return on assets | 1.0458% | 2,433 |
| Return on Equity (ROE) | 5.2901% | 3,537 |
| Retained earnings to average equity (ytd only) | 5.2901% | 1,680 |
| Net charge-offs to loans | 0.3976% | 4,231 |
| Credit loss provision to net charge-offs | 130.5693% | 3,900 |
| Earnings coverage of net charge-offs (x) | 4.7847% | 2,820 |
| Efficiency ratio | 54.9417% | 7,140 |
| Assets per employee ($millions) | 8.0420% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 5,438 |
| Loan loss allowance to noncurrent loans | 239.0029% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.6761% | 5,771 |
| Noncurrent loans to loans | 0.4965% | 6,260 |
| Net loans and leases to total assets | 72.3349% | 2,674 |
| Net loans and leases to deposits | 84.1302% | 3,231 |
| Net loans and leases to core deposits | 133.1039% | 1,107 |
| Total domestic deposits to total assets | 85.9797% | 3,030 |
| Equity capital to assets | 12.8252% | 1,586 |
| Core capital (leverage) ratio | 12.8555% | 1,296 |
| Tier 1 risk-based capital ratio | 16.5767% | 2,281 |
| Total risk-based capital ratio | 17.7012% | 2,286 |
| Memoranda: | ||
| Average total assets | $268,783,400 | 2,431 |
| Average earning assets | $257,797,200 | 2,346 |
| Average equity | $35,349,000 | 1,909 |
| Average total loans | $203,196,200 | 2,271 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1677% | 6,024 |
| Cost of funding earning assets | 2.1614% | 2,592 |
| Net interest margin | 3.0062% | 6,594 |
| Noninterest income to average assets | 0.2510% | 6,440 |
| Noninterest expense to average assets | 1.7619% | 7,701 |
| Loan and lease loss provision to assets | 0.1631% | 5,720 |
| Net operating income to assets | 0.7986% | 2,821 |
| Return on assets (ROA) | 0.7986% | 2,885 |
| Pretax return on assets | 1.2108% | 2,230 |
| Return on Equity (ROE) | 6.0330% | 3,513 |
| Retained earnings to average equity (ytd only) | 6.0330% | 1,930 |
| Net charge-offs to loans | 0.1014% | 5,657 |
| Credit loss provision to net charge-offs | 211.0390% | 2,082 |
| Earnings coverage of net charge-offs (x) | 17.7726% | 1,385 |
| Efficiency ratio | 56.1870% | 6,972 |
| Assets per employee ($millions) | 7.8613% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 5,345 |
| Loan loss allowance to noncurrent loans | 1,208.6735% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 6,573 |
| Noncurrent loans to loans | 0.0962% | 7,243 |
| Net loans and leases to total assets | 73.2092% | 2,734 |
| Net loans and leases to deposits | 86.1108% | 3,297 |
| Net loans and leases to core deposits | 138.2244% | 1,000 |
| Total domestic deposits to total assets | 85.0175% | 3,227 |
| Equity capital to assets | 13.0577% | 1,673 |
| Core capital (leverage) ratio | 13.2347% | 1,312 |
| Tier 1 risk-based capital ratio | 16.6943% | 2,364 |
| Total risk-based capital ratio | 17.8002% | 2,362 |
| Memoranda: | ||
| Average total assets | $265,611,750 | 2,474 |
| Average earning assets | $254,886,250 | 2,384 |
| Average equity | $35,161,500 | 1,932 |
| Average total loans | $202,483,750 | 2,295 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1853% | 6,134 |
| Cost of funding earning assets | 2.2379% | 2,634 |
| Net interest margin | 2.9474% | 6,690 |
| Noninterest income to average assets | 0.2423% | 6,549 |
| Noninterest expense to average assets | 1.8024% | 7,739 |
| Loan and lease loss provision to assets | 0.0953% | 6,214 |
| Net operating income to assets | 0.7766% | 2,949 |
| Return on assets (ROA) | 0.7766% | 3,049 |
| Pretax return on assets | 1.1721% | 2,385 |
| Return on Equity (ROE) | 5.8385% | 3,729 |
| Retained earnings to average equity (ytd only) | 5.8385% | 2,097 |
| Net charge-offs to loans | 0.0703% | 5,525 |
| Credit loss provision to net charge-offs | 176.0563% | 2,602 |
| Earnings coverage of net charge-offs (x) | 23.4225% | 1,184 |
| Efficiency ratio | 58.7140% | 6,734 |
| Assets per employee ($millions) | 7.3709% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 5,616 |
| Loan loss allowance to noncurrent loans | 662.3529% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.4488% | 6,324 |
| Noncurrent loans to loans | 0.1658% | 7,112 |
| Net loans and leases to total assets | 76.4267% | 2,074 |
| Net loans and leases to deposits | 89.9614% | 2,840 |
| Net loans and leases to core deposits | 144.7014% | 810 |
| Total domestic deposits to total assets | 84.9550% | 3,286 |
| Equity capital to assets | 13.3178% | 1,552 |
| Core capital (leverage) ratio | 13.4474% | 1,289 |
| Tier 1 risk-based capital ratio | 16.5183% | 2,442 |
| Total risk-based capital ratio | 17.5754% | 2,458 |
| Memoranda: | ||
| Average total assets | $262,433,330 | 2,511 |
| Average earning assets | $251,749,330 | 2,424 |
| Average equity | $34,906,000 | 1,945 |
| Average total loans | $202,044,330 | 2,327 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2112% | 6,250 |
| Cost of funding earning assets | 2.3454% | 2,524 |
| Net interest margin | 2.8659% | 6,845 |
| Noninterest income to average assets | 0.2207% | 6,708 |
| Noninterest expense to average assets | 1.7335% | 7,782 |
| Loan and lease loss provision to assets | 0.0766% | 6,000 |
| Net operating income to assets | 0.7710% | 3,253 |
| Return on assets (ROA) | 0.7710% | 3,426 |
| Pretax return on assets | 1.1618% | 2,759 |
| Return on Equity (ROE) | 5.8000% | 4,123 |
| Retained earnings to average equity (ytd only) | 5.8000% | 2,727 |
| Net charge-offs to loans | 0.0259% | 5,179 |
| Credit loss provision to net charge-offs | 384.6154% | 1,339 |
| Earnings coverage of net charge-offs (x) | 62.1538% | 633 |
| Efficiency ratio | 58.3290% | 6,644 |
| Assets per employee ($millions) | 7.4956% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 5,407 |
| Loan loss allowance to noncurrent loans | 577.5194% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.4715% | 6,070 |
| Noncurrent loans to loans | 0.1920% | 6,984 |
| Net loans and leases to total assets | 75.9893% | 2,271 |
| Net loans and leases to deposits | 89.6780% | 2,979 |
| Net loans and leases to core deposits | 139.9061% | 1,104 |
| Total domestic deposits to total assets | 84.7358% | 3,336 |
| Equity capital to assets | 13.2939% | 1,620 |
| Core capital (leverage) ratio | 13.3492% | 1,374 |
| Tier 1 risk-based capital ratio | 16.5224% | 2,506 |
| Total risk-based capital ratio | 17.5874% | 2,516 |
| Memoranda: | ||
| Average total assets | $260,974,500 | 2,539 |
| Average earning assets | $250,535,500 | 2,439 |
| Average equity | $34,689,500 | 1,962 |
| Average total loans | $200,541,000 | 2,361 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9905% | 5,589 |
| Cost of funding earning assets | 2.9477% | 2,066 |
| Net interest margin | 3.0428% | 6,807 |
| Noninterest income to average assets | 0.2291% | 6,796 |
| Noninterest expense to average assets | 1.6407% | 7,926 |
| Loan and lease loss provision to assets | 0.1125% | 5,932 |
| Net operating income to assets | 0.9181% | 2,928 |
| Return on assets (ROA) | 0.9629% | 2,606 |
| Pretax return on assets | 1.4600% | 1,789 |
| Return on Equity (ROE) | 7.6064% | 3,239 |
| Retained earnings to average equity (ytd only) | 7.6064% | 960 |
| Net charge-offs to loans | 0.0134% | 6,715 |
| Credit loss provision to net charge-offs | 1,134.6154% | 393 |
| Earnings coverage of net charge-offs (x) | 151.8077% | 301 |
| Efficiency ratio | 52.1634% | 7,467 |
| Assets per employee ($millions) | 7.4172% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 5,268 |
| Loan loss allowance to noncurrent loans | 919.6653% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.4187% | 5,961 |
| Noncurrent loans to loans | 0.1198% | 7,052 |
| Net loans and leases to total assets | 75.9984% | 2,623 |
| Net loans and leases to deposits | 90.0549% | 3,446 |
| Net loans and leases to core deposits | 138.0267% | 1,372 |
| Total domestic deposits to total assets | 84.3912% | 3,133 |
| Equity capital to assets | 13.2907% | 1,674 |
| Core capital (leverage) ratio | 13.1827% | 1,482 |
| Tier 1 risk-based capital ratio | 16.6271% | 2,439 |
| Total risk-based capital ratio | 17.6967% | 2,439 |
| Memoranda: | ||
| Average total assets | $262,327,200 | 2,446 |
| Average earning assets | $251,413,800 | 2,360 |
| Average equity | $33,208,800 | 2,036 |
| Average total loans | $193,849,200 | 2,357 |