Home > PremierWest Bank > Performance and Condition Ratios
PremierWest Bank, Performance and Condition Ratios
| 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 | 4.1285% | 3,605 |
| Cost of funding earning assets | 0.4351% | 4,754 |
| Net interest margin | 3.6935% | 2,878 |
| Noninterest income to average assets | 0.2418% | 5,728 |
| Noninterest expense to average assets | 4.6516% | 474 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.1316% | 6,838 |
| Return on assets (ROA) | -1.1245% | 6,843 |
| Pretax return on assets | -1.1263% | 6,827 |
| Return on Equity (ROE) | -11.4666% | 6,828 |
| Retained earnings to average equity (ytd only) | -11.4666% | 6,667 |
| Net charge-offs to loans | 0.2890% | 1,810 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -6.9241% | 4,090 |
| Efficiency ratio | 130.0939% | 150 |
| Assets per employee ($millions) | 2.9630% | 6,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8799% | 749 |
| Loan loss allowance to noncurrent loans | 89.4700% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 3.8504% | 1,062 |
| Noncurrent loans to loans | 3.2188% | 1,521 |
| Net loans and leases to total assets | 54.7822% | 4,278 |
| Net loans and leases to deposits | 62.4650% | 4,479 |
| Net loans and leases to core deposits | 64.5739% | 4,693 |
| Total domestic deposits to total assets | 87.7006% | 2,515 |
| Equity capital to assets | 9.7692% | 4,469 |
| Core capital (leverage) ratio | 8.9496% | 4,973 |
| Tier 1 risk-based capital ratio | 12.7498% | 5,404 |
| Total risk-based capital ratio | 14.0133% | 5,343 |
| Memoranda: | ||
| Average total assets | $1,126,568,000 | 591 |
| Average earning assets | $999,383,000 | 607 |
| Average equity | $110,477,000 | 661 |
| Average total loans | $638,036,000 | 657 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7065% | 2,565 |
| Cost of funding earning assets | 0.5039% | 5,195 |
| Net interest margin | 4.2026% | 1,654 |
| Noninterest income to average assets | 0.0650% | 6,640 |
| Noninterest expense to average assets | 4.4839% | 588 |
| Loan and lease loss provision to assets | 0.3992% | 1,630 |
| Net operating income to assets | -1.1059% | 6,772 |
| Return on assets (ROA) | -0.8464% | 6,710 |
| Pretax return on assets | -0.8407% | 6,687 |
| Return on Equity (ROE) | -8.6628% | 6,696 |
| Retained earnings to average equity (ytd only) | -8.6628% | 6,598 |
| Net charge-offs to loans | 1.2426% | 798 |
| Credit loss provision to net charge-offs | 53.6637% | 4,606 |
| Earnings coverage of net charge-offs (x) | -0.9422% | 5,751 |
| Efficiency ratio | 117.3213% | 232 |
| Assets per employee ($millions) | 2.9740% | 6,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8658% | 767 |
| Loan loss allowance to noncurrent loans | 81.9390% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 4.2148% | 1,003 |
| Noncurrent loans to loans | 3.4975% | 1,428 |
| Net loans and leases to total assets | 55.2296% | 4,415 |
| Net loans and leases to deposits | 62.4567% | 4,729 |
| Net loans and leases to core deposits | 64.5605% | 4,898 |
| Total domestic deposits to total assets | 88.4286% | 1,948 |
| Equity capital to assets | 9.8430% | 4,393 |
| Core capital (leverage) ratio | 8.9546% | 4,968 |
| Tier 1 risk-based capital ratio | 12.7954% | 5,255 |
| Total risk-based capital ratio | 14.0589% | 5,182 |
| Memoranda: | ||
| Average total assets | $1,196,041,800 | 548 |
| Average earning assets | $1,058,103,600 | 553 |
| Average equity | $116,855,800 | 614 |
| Average total loans | $716,101,400 | 577 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7788% | 2,465 |
| Cost of funding earning assets | 0.5199% | 5,308 |
| Net interest margin | 4.2589% | 1,579 |
| Noninterest income to average assets | 0.2817% | 5,525 |
| Noninterest expense to average assets | 4.2771% | 667 |
| Loan and lease loss provision to assets | 0.5260% | 1,139 |
| Net operating income to assets | -0.7576% | 6,795 |
| Return on assets (ROA) | -0.4152% | 6,698 |
| Pretax return on assets | -0.4088% | 6,662 |
| Return on Equity (ROE) | -4.2572% | 6,692 |
| Retained earnings to average equity (ytd only) | -4.2572% | 6,574 |
| Net charge-offs to loans | 1.5066% | 567 |
| Credit loss provision to net charge-offs | 57.6343% | 4,217 |
| Earnings coverage of net charge-offs (x) | -0.2467% | 5,425 |
| Efficiency ratio | 104.6410% | 410 |
| Assets per employee ($millions) | 3.0591% | 5,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8225% | 867 |
| Loan loss allowance to noncurrent loans | 62.9254% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 5.1681% | 848 |
| Noncurrent loans to loans | 4.4855% | 1,051 |
| Net loans and leases to total assets | 57.0895% | 4,284 |
| Net loans and leases to deposits | 65.0262% | 4,589 |
| Net loans and leases to core deposits | 67.2730% | 4,812 |
| Total domestic deposits to total assets | 87.7947% | 2,176 |
| Equity capital to assets | 10.2948% | 4,085 |
| Core capital (leverage) ratio | 9.3397% | 4,516 |
| Tier 1 risk-based capital ratio | 13.0157% | 5,233 |
| Total risk-based capital ratio | 14.2789% | 5,180 |
| Memoranda: | ||
| Average total assets | $1,210,294,250 | 544 |
| Average earning assets | $1,071,426,250 | 558 |
| Average equity | $118,041,000 | 610 |
| Average total loans | $733,216,000 | 561 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8431% | 2,330 |
| Cost of funding earning assets | 0.5441% | 5,339 |
| Net interest margin | 4.2990% | 1,483 |
| Noninterest income to average assets | 0.1267% | 6,553 |
| Noninterest expense to average assets | 4.3119% | 643 |
| Loan and lease loss provision to assets | 0.7775% | 657 |
| Net operating income to assets | -1.1703% | 6,948 |
| Return on assets (ROA) | -0.7803% | 6,875 |
| Pretax return on assets | -0.7726% | 6,838 |
| Return on Equity (ROE) | -8.1422% | 6,867 |
| Retained earnings to average equity (ytd only) | -8.1422% | 6,775 |
| Net charge-offs to loans | 2.1140% | 376 |
| Credit loss provision to net charge-offs | 60.1385% | 3,792 |
| Earnings coverage of net charge-offs (x) | -0.2979% | 5,190 |
| Efficiency ratio | 108.8448% | 351 |
| Assets per employee ($millions) | 3.0854% | 5,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7426% | 995 |
| Loan loss allowance to noncurrent loans | 50.7594% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 6.0590% | 700 |
| Noncurrent loans to loans | 5.4031% | 864 |
| Net loans and leases to total assets | 57.9661% | 4,165 |
| Net loans and leases to deposits | 66.2142% | 4,484 |
| Net loans and leases to core deposits | 68.6393% | 4,711 |
| Total domestic deposits to total assets | 87.5433% | 2,439 |
| Equity capital to assets | 9.7577% | 4,688 |
| Core capital (leverage) ratio | 9.0088% | 4,902 |
| Tier 1 risk-based capital ratio | 12.3737% | 5,665 |
| Total risk-based capital ratio | 13.6363% | 5,640 |
| Memoranda: | ||
| Average total assets | $1,228,283,670 | 540 |
| Average earning assets | $1,085,751,000 | 552 |
| Average equity | $117,707,670 | 609 |
| Average total loans | $751,183,000 | 543 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7712% | 2,755 |
| Cost of funding earning assets | 0.5729% | 5,337 |
| Net interest margin | 4.1983% | 1,761 |
| Noninterest income to average assets | -0.0434% | 7,132 |
| Noninterest expense to average assets | 4.4850% | 560 |
| Loan and lease loss provision to assets | 1.1241% | 353 |
| Net operating income to assets | -1.9489% | 7,148 |
| Return on assets (ROA) | -1.2526% | 7,055 |
| Pretax return on assets | -1.2491% | 7,028 |
| Return on Equity (ROE) | -13.1862% | 7,044 |
| Retained earnings to average equity (ytd only) | -13.1862% | 6,933 |
| Net charge-offs to loans | 3.0399% | 237 |
| Credit loss provision to net charge-offs | 59.7372% | 3,121 |
| Earnings coverage of net charge-offs (x) | -0.4364% | 4,491 |
| Efficiency ratio | 121.3991% | 206 |
| Assets per employee ($millions) | 2.7735% | 6,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7330% | 1,079 |
| Loan loss allowance to noncurrent loans | 36.3708% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 7.4490% | 544 |
| Noncurrent loans to loans | 7.5142% | 559 |
| Net loans and leases to total assets | 59.0060% | 3,855 |
| Net loans and leases to deposits | 66.7184% | 4,272 |
| Net loans and leases to core deposits | 69.0952% | 4,551 |
| Total domestic deposits to total assets | 88.4405% | 2,042 |
| Equity capital to assets | 9.5221% | 4,771 |
| Core capital (leverage) ratio | 8.7769% | 5,159 |
| Tier 1 risk-based capital ratio | 11.9631% | 5,981 |
| Total risk-based capital ratio | 13.2253% | 5,970 |
| Memoranda: | ||
| Average total assets | $1,245,398,500 | 534 |
| Average earning assets | $1,099,688,500 | 549 |
| Average equity | $118,305,500 | 608 |
| Average total loans | $770,942,500 | 520 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9674% | 3,035 |
| Cost of funding earning assets | 0.7469% | 5,231 |
| Net interest margin | 4.2205% | 1,993 |
| Noninterest income to average assets | 0.1496% | 6,400 |
| Noninterest expense to average assets | 3.9885% | 1,055 |
| Loan and lease loss provision to assets | 1.0757% | 849 |
| Net operating income to assets | -1.1319% | 6,798 |
| Return on assets (ROA) | -1.0483% | 6,782 |
| Pretax return on assets | -1.0431% | 6,751 |
| Return on Equity (ROE) | -11.3371% | 6,774 |
| Retained earnings to average equity (ytd only) | -11.3371% | 6,743 |
| Net charge-offs to loans | 3.0739% | 304 |
| Credit loss provision to net charge-offs | 52.6625% | 5,356 |
| Earnings coverage of net charge-offs (x) | -0.0250% | 5,843 |
| Efficiency ratio | 100.3446% | 657 |
| Assets per employee ($millions) | 2.7985% | 6,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8417% | 935 |
| Loan loss allowance to noncurrent loans | 29.7517% | 6,214 |
| Noncurrent assets plus other real estate owned to assets | 7.8320% | 532 |
| Noncurrent loans to loans | 9.5513% | 348 |
| Net loans and leases to total assets | 61.3111% | 3,724 |
| Net loans and leases to deposits | 68.7017% | 4,330 |
| Net loans and leases to core deposits | 71.3057% | 4,616 |
| Total domestic deposits to total assets | 89.2425% | 1,400 |
| Equity capital to assets | 9.4774% | 4,919 |
| Core capital (leverage) ratio | 8.7246% | 5,211 |
| Tier 1 risk-based capital ratio | 11.7658% | 5,979 |
| Total risk-based capital ratio | 13.0298% | 5,957 |
| Memoranda: | ||
| Average total assets | $1,334,021,000 | 490 |
| Average earning assets | $1,197,275,400 | 497 |
| Average equity | $123,355,600 | 559 |
| Average total loans | $886,469,400 | 472 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0198% | 2,995 |
| Cost of funding earning assets | 0.7814% | 5,269 |
| Net interest margin | 4.2384% | 1,956 |
| Noninterest income to average assets | 0.0811% | 6,835 |
| Noninterest expense to average assets | 3.9386% | 1,087 |
| Loan and lease loss provision to assets | 1.1199% | 725 |
| Net operating income to assets | -1.1693% | 6,943 |
| Return on assets (ROA) | -1.0707% | 6,941 |
| Pretax return on assets | -1.0664% | 6,897 |
| Return on Equity (ROE) | -11.6475% | 6,939 |
| Retained earnings to average equity (ytd only) | -11.6475% | 6,905 |
| Net charge-offs to loans | 2.9289% | 326 |
| Credit loss provision to net charge-offs | 56.8694% | 4,878 |
| Earnings coverage of net charge-offs (x) | -0.0229% | 5,617 |
| Efficiency ratio | 100.1875% | 654 |
| Assets per employee ($millions) | 2.8452% | 6,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1631% | 754 |
| Loan loss allowance to noncurrent loans | 34.4905% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 8.1782% | 531 |
| Noncurrent loans to loans | 9.1710% | 415 |
| Net loans and leases to total assets | 63.5126% | 3,409 |
| Net loans and leases to deposits | 71.0525% | 4,135 |
| Net loans and leases to core deposits | 73.6637% | 4,508 |
| Total domestic deposits to total assets | 89.3883% | 1,200 |
| Equity capital to assets | 9.4695% | 5,133 |
| Core capital (leverage) ratio | 8.7952% | 5,270 |
| Tier 1 risk-based capital ratio | 11.4469% | 6,273 |
| Total risk-based capital ratio | 12.7145% | 6,257 |
| Memoranda: | ||
| Average total assets | $1,351,293,500 | 493 |
| Average earning assets | $1,215,501,000 | 494 |
| Average equity | $124,223,750 | 562 |
| Average total loans | $908,530,250 | 464 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9872% | 3,218 |
| Cost of funding earning assets | 0.8254% | 5,213 |
| Net interest margin | 4.1619% | 2,179 |
| Noninterest income to average assets | -0.1277% | 7,304 |
| Noninterest expense to average assets | 4.0171% | 1,024 |
| Loan and lease loss provision to assets | 0.9208% | 970 |
| Net operating income to assets | -1.3209% | 7,044 |
| Return on assets (ROA) | -1.2081% | 7,019 |
| Pretax return on assets | -1.2050% | 6,970 |
| Return on Equity (ROE) | -13.2676% | 7,020 |
| Retained earnings to average equity (ytd only) | -13.2676% | 6,982 |
| Net charge-offs to loans | 2.9015% | 368 |
| Credit loss provision to net charge-offs | 46.8401% | 4,659 |
| Earnings coverage of net charge-offs (x) | -0.2019% | 5,405 |
| Efficiency ratio | 109.8882% | 475 |
| Assets per employee ($millions) | 2.8345% | 6,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2234% | 743 |
| Loan loss allowance to noncurrent loans | 30.7361% | 6,212 |
| Noncurrent assets plus other real estate owned to assets | 9.0912% | 462 |
| Noncurrent loans to loans | 10.4875% | 353 |
| Net loans and leases to total assets | 64.6260% | 3,335 |
| Net loans and leases to deposits | 72.4658% | 4,046 |
| Net loans and leases to core deposits | 75.7303% | 4,351 |
| Total domestic deposits to total assets | 89.1814% | 1,428 |
| Equity capital to assets | 9.2698% | 5,182 |
| Core capital (leverage) ratio | 8.7148% | 5,198 |
| Tier 1 risk-based capital ratio | 11.3809% | 6,265 |
| Total risk-based capital ratio | 12.6494% | 6,236 |
| Memoranda: | ||
| Average total assets | $1,368,306,330 | 496 |
| Average earning assets | $1,232,183,330 | 497 |
| Average equity | $124,589,000 | 561 |
| Average total loans | $927,106,670 | 461 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7860% | 4,119 |
| Cost of funding earning assets | 0.8482% | 5,285 |
| Net interest margin | 3.9378% | 2,969 |
| Noninterest income to average assets | 0.3457% | 5,147 |
| Noninterest expense to average assets | 4.0465% | 980 |
| Loan and lease loss provision to assets | 1.8103% | 318 |
| Net operating income to assets | -1.9620% | 7,275 |
| Return on assets (ROA) | -1.8621% | 7,261 |
| Pretax return on assets | -1.8575% | 7,227 |
| Return on Equity (ROE) | -20.6268% | 7,226 |
| Retained earnings to average equity (ytd only) | -20.6268% | 7,164 |
| Net charge-offs to loans | 3.5875% | 278 |
| Credit loss provision to net charge-offs | 73.9697% | 3,281 |
| Earnings coverage of net charge-offs (x) | -0.0601% | 4,622 |
| Efficiency ratio | 102.6603% | 652 |
| Assets per employee ($millions) | 2.9691% | 6,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6207% | 551 |
| Loan loss allowance to noncurrent loans | 30.3755% | 6,284 |
| Noncurrent assets plus other real estate owned to assets | 10.1771% | 400 |
| Noncurrent loans to loans | 11.9199% | 285 |
| Net loans and leases to total assets | 64.7476% | 3,298 |
| Net loans and leases to deposits | 71.8942% | 4,090 |
| Net loans and leases to core deposits | 75.3438% | 4,376 |
| Total domestic deposits to total assets | 90.0596% | 1,117 |
| Equity capital to assets | 8.8815% | 5,378 |
| Core capital (leverage) ratio | 8.5870% | 5,286 |
| Tier 1 risk-based capital ratio | 11.2409% | 6,315 |
| Total risk-based capital ratio | 12.5143% | 6,272 |
| Memoranda: | ||
| Average total assets | $1,392,013,500 | 493 |
| Average earning assets | $1,256,246,000 | 496 |
| Average equity | $125,661,500 | 554 |
| Average total loans | $949,623,500 | 458 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3774% | 2,777 |
| Cost of funding earning assets | 1.0674% | 5,332 |
| Net interest margin | 4.3100% | 1,788 |
| Noninterest income to average assets | 0.4242% | 4,714 |
| Noninterest expense to average assets | 3.8968% | 1,320 |
| Loan and lease loss provision to assets | 0.6856% | 2,399 |
| Net operating income to assets | -0.2643% | 6,181 |
| Return on assets (ROA) | -0.2145% | 6,183 |
| Pretax return on assets | -0.2053% | 6,090 |
| Return on Equity (ROE) | -2.5316% | 6,234 |
| Retained earnings to average equity (ytd only) | -2.5316% | 6,050 |
| Net charge-offs to loans | 1.8956% | 1,084 |
| Credit loss provision to net charge-offs | 49.3373% | 6,268 |
| Earnings coverage of net charge-offs (x) | 0.3097% | 5,795 |
| Efficiency ratio | 88.3042% | 1,458 |
| Assets per employee ($millions) | 2.9608% | 6,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6393% | 533 |
| Loan loss allowance to noncurrent loans | 27.4506% | 6,444 |
| Noncurrent assets plus other real estate owned to assets | 11.4445% | 316 |
| Noncurrent loans to loans | 13.2575% | 220 |
| Net loans and leases to total assets | 66.7095% | 3,296 |
| Net loans and leases to deposits | 74.2237% | 4,158 |
| Net loans and leases to core deposits | 77.7437% | 4,486 |
| Total domestic deposits to total assets | 89.8763% | 1,177 |
| Equity capital to assets | 9.1690% | 4,885 |
| Core capital (leverage) ratio | 8.8455% | 4,781 |
| Tier 1 risk-based capital ratio | 11.3124% | 6,080 |
| Total risk-based capital ratio | 12.5864% | 6,049 |
| Memoranda: | ||
| Average total assets | $1,465,917,000 | 461 |
| Average earning assets | $1,327,463,600 | 463 |
| Average equity | $124,187,800 | 548 |
| Average total loans | $1,074,582,000 | 417 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5129% | 2,385 |
| Cost of funding earning assets | 1.0997% | 5,418 |
| Net interest margin | 4.4132% | 1,487 |
| Noninterest income to average assets | 0.4202% | 4,800 |
| Noninterest expense to average assets | 3.8544% | 1,273 |
| Loan and lease loss provision to assets | 0.9058% | 1,675 |
| Net operating income to assets | -0.3412% | 6,466 |
| Return on assets (ROA) | -0.3070% | 6,477 |
| Pretax return on assets | -0.3070% | 6,412 |
| Return on Equity (ROE) | -3.6962% | 6,549 |
| Retained earnings to average equity (ytd only) | -3.6962% | 6,424 |
| Net charge-offs to loans | 1.6785% | 1,175 |
| Credit loss provision to net charge-offs | 72.6524% | 5,350 |
| Earnings coverage of net charge-offs (x) | 0.4528% | 5,571 |
| Efficiency ratio | 85.5269% | 1,680 |
| Assets per employee ($millions) | 3.0651% | 5,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0708% | 349 |
| Loan loss allowance to noncurrent loans | 36.5930% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 10.1960% | 394 |
| Noncurrent loans to loans | 11.1245% | 340 |
| Net loans and leases to total assets | 69.7918% | 2,777 |
| Net loans and leases to deposits | 77.7001% | 3,882 |
| Net loans and leases to core deposits | 80.8046% | 4,408 |
| Total domestic deposits to total assets | 89.8220% | 962 |
| Equity capital to assets | 9.2389% | 5,246 |
| Core capital (leverage) ratio | 8.6937% | 5,198 |
| Tier 1 risk-based capital ratio | 10.8591% | 6,500 |
| Total risk-based capital ratio | 12.1388% | 6,453 |
| Memoranda: | ||
| Average total assets | $1,479,320,000 | 456 |
| Average earning assets | $1,340,400,500 | 454 |
| Average equity | $122,861,250 | 549 |
| Average total loans | $1,098,796,500 | 413 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6064% | 2,118 |
| Cost of funding earning assets | 1.1331% | 5,495 |
| Net interest margin | 4.4733% | 1,261 |
| Noninterest income to average assets | 0.3560% | 5,300 |
| Noninterest expense to average assets | 3.7331% | 1,492 |
| Loan and lease loss provision to assets | 1.1279% | 1,276 |
| Net operating income to assets | -0.4454% | 6,605 |
| Return on assets (ROA) | -0.4059% | 6,612 |
| Pretax return on assets | -0.4059% | 6,514 |
| Return on Equity (ROE) | -5.0676% | 6,702 |
| Retained earnings to average equity (ytd only) | -5.0676% | 6,562 |
| Net charge-offs to loans | 1.8633% | 1,001 |
| Credit loss provision to net charge-offs | 80.9697% | 4,684 |
| Earnings coverage of net charge-offs (x) | 0.4899% | 5,233 |
| Efficiency ratio | 82.8663% | 2,059 |
| Assets per employee ($millions) | 3.1367% | 5,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0214% | 370 |
| Loan loss allowance to noncurrent loans | 33.8599% | 6,117 |
| Noncurrent assets plus other real estate owned to assets | 9.9267% | 413 |
| Noncurrent loans to loans | 11.8767% | 293 |
| Net loans and leases to total assets | 71.8625% | 2,437 |
| Net loans and leases to deposits | 79.8133% | 3,628 |
| Net loans and leases to core deposits | 83.6097% | 4,184 |
| Total domestic deposits to total assets | 90.0384% | 907 |
| Equity capital to assets | 9.0494% | 5,369 |
| Core capital (leverage) ratio | 8.4326% | 5,526 |
| Tier 1 risk-based capital ratio | 10.3661% | 6,786 |
| Total risk-based capital ratio | 11.6455% | 6,755 |
| Memoranda: | ||
| Average total assets | $1,498,364,000 | 453 |
| Average earning assets | $1,359,811,670 | 449 |
| Average equity | $120,016,670 | 555 |
| Average total loans | $1,120,165,330 | 407 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6140% | 2,093 |
| Cost of funding earning assets | 1.1603% | 5,604 |
| Net interest margin | 4.4537% | 1,246 |
| Noninterest income to average assets | 0.5627% | 3,539 |
| Noninterest expense to average assets | 3.5865% | 1,772 |
| Loan and lease loss provision to assets | 1.6071% | 719 |
| Net operating income to assets | -0.5928% | 6,891 |
| Return on assets (ROA) | -0.5285% | 6,877 |
| Pretax return on assets | -0.5285% | 6,807 |
| Return on Equity (ROE) | -7.0367% | 6,998 |
| Retained earnings to average equity (ytd only) | -7.0367% | 6,748 |
| Net charge-offs to loans | 1.9340% | 891 |
| Credit loss provision to net charge-offs | 111.2327% | 3,108 |
| Earnings coverage of net charge-offs (x) | 0.7020% | 4,400 |
| Efficiency ratio | 76.3672% | 3,157 |
| Assets per employee ($millions) | 3.3316% | 5,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1587% | 325 |
| Loan loss allowance to noncurrent loans | 44.5694% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 8.3784% | 576 |
| Noncurrent loans to loans | 9.3309% | 492 |
| Net loans and leases to total assets | 71.3492% | 2,604 |
| Net loans and leases to deposits | 78.7398% | 3,894 |
| Net loans and leases to core deposits | 83.0264% | 4,335 |
| Total domestic deposits to total assets | 90.6139% | 687 |
| Equity capital to assets | 8.5107% | 5,987 |
| Core capital (leverage) ratio | 8.2129% | 5,891 |
| Tier 1 risk-based capital ratio | 9.7322% | 7,193 |
| Total risk-based capital ratio | 11.0121% | 7,173 |
| Memoranda: | ||
| Average total assets | $1,518,269,000 | 463 |
| Average earning assets | $1,376,562,000 | 464 |
| Average equity | $114,030,000 | 588 |
| Average total loans | $1,134,212,500 | 422 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0149% | 1,808 |
| Cost of funding earning assets | 1.5031% | 5,502 |
| Net interest margin | 4.5118% | 1,156 |
| Noninterest income to average assets | 0.6259% | 3,454 |
| Noninterest expense to average assets | 8.2938% | 130 |
| Loan and lease loss provision to assets | 5.7202% | 131 |
| Net operating income to assets | -9.3865% | 7,969 |
| Return on assets (ROA) | -9.3833% | 7,968 |
| Pretax return on assets | -9.4828% | 7,961 |
| Return on Equity (ROE) | -74.2487% | 7,836 |
| Retained earnings to average equity (ytd only) | -75.8426% | 7,839 |
| Net charge-offs to loans | 4.9231% | 274 |
| Credit loss provision to net charge-offs | 148.4878% | 3,147 |
| Earnings coverage of net charge-offs (x) | -0.9776% | 6,875 |
| Efficiency ratio | 74.2635% | 3,842 |
| Assets per employee ($millions) | 3.3060% | 5,478 |
| Cash dividends to net income (ytd only)* | -2.1468% | 7,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9921% | 364 |
| Loan loss allowance to noncurrent loans | 44.1728% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 8.3876% | 510 |
| Noncurrent loans to loans | 9.0374% | 500 |
| Net loans and leases to total assets | 71.9658% | 2,758 |
| Net loans and leases to deposits | 77.7600% | 4,425 |
| Net loans and leases to core deposits | 92.4317% | 4,833 |
| Total domestic deposits to total assets | 92.5486% | 170 |
| Equity capital to assets | 6.5309% | 7,553 |
| Core capital (leverage) ratio | 5.6974% | 7,679 |
| Tier 1 risk-based capital ratio | 7.2497% | 7,722 |
| Total risk-based capital ratio | 8.5274% | 7,726 |
| Memoranda: | ||
| Average total assets | $1,538,954,000 | 447 |
| Average earning assets | $1,330,954,600 | 465 |
| Average equity | $194,487,000 | 358 |
| Average total loans | $1,204,224,800 | 406 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0136% | 1,975 |
| Cost of funding earning assets | 1.5337% | 5,697 |
| Net interest margin | 4.4799% | 1,243 |
| Noninterest income to average assets | 0.6356% | 3,455 |
| Noninterest expense to average assets | 3.4265% | 2,492 |
| Loan and lease loss provision to assets | 6.1766% | 99 |
| Net operating income to assets | -3.0250% | 7,590 |
| Return on assets (ROA) | -3.0250% | 7,599 |
| Pretax return on assets | -5.1370% | 7,827 |
| Return on Equity (ROE) | -21.3658% | 7,421 |
| Retained earnings to average equity (ytd only) | -23.2612% | 7,442 |
| Net charge-offs to loans | 5.1450% | 210 |
| Credit loss provision to net charge-offs | 151.8300% | 3,155 |
| Earnings coverage of net charge-offs (x) | 0.2556% | 5,760 |
| Efficiency ratio | 75.3818% | 3,619 |
| Assets per employee ($millions) | 3.5185% | 4,882 |
| Cash dividends to net income (ytd only)* | -8.8713% | 7,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5055% | 422 |
| Loan loss allowance to noncurrent loans | 37.9527% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 7.6413% | 580 |
| Noncurrent loans to loans | 9.2365% | 466 |
| Net loans and leases to total assets | 66.6891% | 4,264 |
| Net loans and leases to deposits | 76.7539% | 4,932 |
| Net loans and leases to core deposits | 90.8232% | 5,359 |
| Total domestic deposits to total assets | 86.8869% | 2,242 |
| Equity capital to assets | 12.1882% | 2,129 |
| Core capital (leverage) ratio | 7.1980% | 7,269 |
| Tier 1 risk-based capital ratio | 8.4439% | 7,735 |
| Total risk-based capital ratio | 9.7154% | 7,760 |
| Memoranda: | ||
| Average total assets | $1,540,192,750 | 457 |
| Average earning assets | $1,316,956,000 | 479 |
| Average equity | $218,062,750 | 342 |
| Average total loans | $1,217,816,500 | 419 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2264% | 1,390 |
| Cost of funding earning assets | 1.5295% | 6,017 |
| Net interest margin | 4.6968% | 801 |
| Noninterest income to average assets | 0.6487% | 3,350 |
| Noninterest expense to average assets | 3.4051% | 2,614 |
| Loan and lease loss provision to assets | 8.2419% | 67 |
| Net operating income to assets | -4.1120% | 7,848 |
| Return on assets (ROA) | -4.1120% | 7,845 |
| Pretax return on assets | -6.9854% | 8,028 |
| Return on Equity (ROE) | -27.5659% | 7,678 |
| Retained earnings to average equity (ytd only) | -29.0130% | 7,670 |
| Net charge-offs to loans | 6.1754% | 168 |
| Credit loss provision to net charge-offs | 160.9835% | 2,853 |
| Earnings coverage of net charge-offs (x) | 0.2454% | 5,427 |
| Efficiency ratio | 71.7903% | 4,454 |
| Assets per employee ($millions) | 2.9240% | 6,327 |
| Cash dividends to net income (ytd only)* | -5.2495% | 7,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3559% | 424 |
| Loan loss allowance to noncurrent loans | 38.9673% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 7.9919% | 473 |
| Noncurrent loans to loans | 8.6121% | 474 |
| Net loans and leases to total assets | 78.5977% | 1,617 |
| Net loans and leases to deposits | 92.8571% | 2,306 |
| Net loans and leases to core deposits | 107.8950% | 3,624 |
| Total domestic deposits to total assets | 84.6438% | 3,428 |
| Equity capital to assets | 14.5198% | 1,160 |
| Core capital (leverage) ratio | 9.6520% | 3,701 |
| Tier 1 risk-based capital ratio | 10.1017% | 6,818 |
| Total risk-based capital ratio | 11.3730% | 6,727 |
| Memoranda: | ||
| Average total assets | $1,482,425,670 | 485 |
| Average earning assets | $1,266,551,670 | 507 |
| Average equity | $221,135,670 | 339 |
| Average total loans | $1,229,013,000 | 430 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2997% | 1,301 |
| Cost of funding earning assets | 1.6328% | 5,894 |
| Net interest margin | 4.6669% | 830 |
| Noninterest income to average assets | 0.6606% | 3,132 |
| Noninterest expense to average assets | 3.3417% | 2,528 |
| Loan and lease loss provision to assets | 2.8815% | 384 |
| Net operating income to assets | -0.8513% | 7,155 |
| Return on assets (ROA) | -0.8513% | 7,188 |
| Pretax return on assets | -1.5477% | 7,384 |
| Return on Equity (ROE) | -5.6320% | 7,033 |
| Retained earnings to average equity (ytd only) | -6.3447% | 6,726 |
| Net charge-offs to loans | 0.7073% | 1,773 |
| Credit loss provision to net charge-offs | 486.8062% | 1,110 |
| Earnings coverage of net charge-offs (x) | 2.2534% | 3,609 |
| Efficiency ratio | 70.2223% | 4,525 |
| Assets per employee ($millions) | 2.8817% | 6,454 |
| Cash dividends to net income (ytd only)* | -12.6542% | 8,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0705% | 1,292 |
| Loan loss allowance to noncurrent loans | 36.6819% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 5.3031% | 823 |
| Noncurrent loans to loans | 5.6444% | 885 |
| Net loans and leases to total assets | 81.1476% | 1,176 |
| Net loans and leases to deposits | 97.8776% | 1,683 |
| Net loans and leases to core deposits | 117.3572% | 2,654 |
| Total domestic deposits to total assets | 82.9072% | 4,186 |
| Equity capital to assets | 16.2425% | 832 |
| Core capital (leverage) ratio | 12.0217% | 1,894 |
| Tier 1 risk-based capital ratio | 12.3685% | 4,642 |
| Total risk-based capital ratio | 13.6263% | 4,561 |
| Memoranda: | ||
| Average total assets | $1,485,339,000 | 488 |
| Average earning assets | $1,277,839,000 | 506 |
| Average equity | $224,504,000 | 331 |
| Average total loans | $1,243,083,000 | 430 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3443% | 548 |
| Cost of funding earning assets | 2.2655% | 5,309 |
| Net interest margin | 5.0788% | 430 |
| Noninterest income to average assets | 0.7106% | 3,049 |
| Noninterest expense to average assets | 3.2946% | 2,980 |
| Loan and lease loss provision to assets | 2.5866% | 398 |
| Net operating income to assets | -0.4180% | 6,844 |
| Return on assets (ROA) | -0.4180% | 6,719 |
| Pretax return on assets | -0.7478% | 6,845 |
| Return on Equity (ROE) | -2.9421% | 6,615 |
| Retained earnings to average equity (ytd only) | -6.5486% | 6,729 |
| Net charge-offs to loans | 3.2844% | 252 |
| Credit loss provision to net charge-offs | 91.4672% | 5,643 |
| Earnings coverage of net charge-offs (x) | 0.6502% | 5,833 |
| Efficiency ratio | 63.0254% | 5,770 |
| Assets per employee ($millions) | 2.8587% | 6,415 |
| Cash dividends to net income (ytd only)* | -122.5839% | 8,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 3,329 |
| Loan loss allowance to noncurrent loans | 24.5517% | 7,027 |
| Noncurrent assets plus other real estate owned to assets | 5.0372% | 685 |
| Noncurrent loans to loans | 5.6045% | 707 |
| Net loans and leases to total assets | 83.3655% | 981 |
| Net loans and leases to deposits | 101.4952% | 1,644 |
| Net loans and leases to core deposits | 122.2745% | 2,479 |
| Total domestic deposits to total assets | 82.1374% | 4,148 |
| Equity capital to assets | 13.9712% | 1,433 |
| Core capital (leverage) ratio | 9.4773% | 4,039 |
| Tier 1 risk-based capital ratio | 9.6804% | 7,109 |
| Total risk-based capital ratio | 10.9306% | 7,006 |
| Memoranda: | ||
| Average total assets | $1,411,144,400 | 491 |
| Average earning assets | $1,228,851,400 | 507 |
| Average equity | $200,471,000 | 373 |
| Average total loans | $1,214,999,600 | 421 |