Home > River Valley Financial Bank > Performance and Condition Ratios
River Valley Financial Bank, Performance and Condition Ratios
| 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 | 4.7285% | 2,675 |
| Cost of funding earning assets | 1.2829% | 476 |
| Net interest margin | 3.4455% | 4,858 |
| Noninterest income to average assets | 0.6931% | 2,742 |
| Noninterest expense to average assets | 2.6513% | 4,557 |
| Loan and lease loss provision to assets | 0.3498% | 1,865 |
| Net operating income to assets | 0.6600% | 4,091 |
| Return on assets (ROA) | 0.7710% | 3,851 |
| Pretax return on assets | 1.0222% | 3,626 |
| Return on Equity (ROE) | 7.8261% | 3,357 |
| Retained earnings to average equity (ytd only) | 2.8201% | 4,861 |
| Net charge-offs to loans | 0.7427% | 1,492 |
| Credit loss provision to net charge-offs | 74.6143% | 3,782 |
| Earnings coverage of net charge-offs (x) | 2.6108% | 3,996 |
| Efficiency ratio | 67.6423% | 4,142 |
| Assets per employee ($millions) | 4.3414% | 3,184 |
| Cash dividends to net income (ytd only)* | 63.9659% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 4,343 |
| Loan loss allowance to noncurrent loans | 32.6052% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 3.0690% | 1,693 |
| Noncurrent loans to loans | 4.3173% | 1,128 |
| Net loans and leases to total assets | 63.1791% | 3,178 |
| Net loans and leases to deposits | 83.7150% | 1,901 |
| Net loans and leases to core deposits | 87.3859% | 2,294 |
| Total domestic deposits to total assets | 75.4692% | 6,459 |
| Equity capital to assets | 10.1252% | 4,322 |
| Core capital (leverage) ratio | 9.4517% | 4,349 |
| Tier 1 risk-based capital ratio | 14.3301% | 4,312 |
| Total risk-based capital ratio | 15.5815% | 4,279 |
| Memoranda: | ||
| Average total assets | $405,524,000 | 1,627 |
| Average earning assets | $374,544,500 | 1,610 |
| Average equity | $39,950,750 | 1,757 |
| Average total loans | $256,011,500 | 1,630 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6909% | 2,951 |
| Cost of funding earning assets | 1.3028% | 525 |
| Net interest margin | 3.3880% | 5,125 |
| Noninterest income to average assets | 0.6673% | 2,848 |
| Noninterest expense to average assets | 2.6446% | 4,628 |
| Loan and lease loss provision to assets | 0.3920% | 1,677 |
| Net operating income to assets | 0.5864% | 4,422 |
| Return on assets (ROA) | 0.7136% | 4,062 |
| Pretax return on assets | 0.9199% | 4,003 |
| Return on Equity (ROE) | 7.3106% | 3,605 |
| Retained earnings to average equity (ytd only) | 2.2653% | 5,064 |
| Net charge-offs to loans | 1.0011% | 1,109 |
| Credit loss provision to net charge-offs | 62.3336% | 3,741 |
| Earnings coverage of net charge-offs (x) | 1.8269% | 4,063 |
| Efficiency ratio | 68.9212% | 3,957 |
| Assets per employee ($millions) | 4.2909% | 3,271 |
| Cash dividends to net income (ytd only)* | 69.0131% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 4,564 |
| Loan loss allowance to noncurrent loans | 33.3207% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 3.1781% | 1,713 |
| Noncurrent loans to loans | 4.1191% | 1,331 |
| Net loans and leases to total assets | 62.0685% | 3,422 |
| Net loans and leases to deposits | 82.5214% | 2,042 |
| Net loans and leases to core deposits | 86.0943% | 2,419 |
| Total domestic deposits to total assets | 75.2151% | 6,564 |
| Equity capital to assets | 9.8186% | 4,594 |
| Core capital (leverage) ratio | 9.2537% | 4,524 |
| Tier 1 risk-based capital ratio | 14.2043% | 4,305 |
| Total risk-based capital ratio | 15.4554% | 4,263 |
| Memoranda: | ||
| Average total assets | $406,116,670 | 1,625 |
| Average earning assets | $374,729,000 | 1,612 |
| Average equity | $39,641,000 | 1,760 |
| Average total loans | $255,107,000 | 1,634 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7712% | 2,754 |
| Cost of funding earning assets | 1.3314% | 553 |
| Net interest margin | 3.4398% | 4,959 |
| Noninterest income to average assets | 0.6355% | 3,021 |
| Noninterest expense to average assets | 2.6268% | 4,719 |
| Loan and lease loss provision to assets | 0.4677% | 1,314 |
| Net operating income to assets | 0.5636% | 4,525 |
| Return on assets (ROA) | 0.6681% | 4,254 |
| Pretax return on assets | 0.8447% | 4,247 |
| Return on Equity (ROE) | 6.8645% | 3,853 |
| Retained earnings to average equity (ytd only) | 1.7947% | 5,347 |
| Net charge-offs to loans | 2.0425% | 453 |
| Credit loss provision to net charge-offs | 36.4896% | 3,504 |
| Earnings coverage of net charge-offs (x) | 0.9207% | 3,868 |
| Efficiency ratio | 68.1960% | 4,133 |
| Assets per employee ($millions) | 4.2966% | 3,404 |
| Cash dividends to net income (ytd only)* | 73.8552% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 5,226 |
| Loan loss allowance to noncurrent loans | 25.9450% | 6,341 |
| Noncurrent assets plus other real estate owned to assets | 3.7026% | 1,529 |
| Noncurrent loans to loans | 4.8324% | 1,172 |
| Net loans and leases to total assets | 61.9739% | 3,261 |
| Net loans and leases to deposits | 82.4090% | 1,875 |
| Net loans and leases to core deposits | 86.0132% | 2,287 |
| Total domestic deposits to total assets | 75.2028% | 6,625 |
| Equity capital to assets | 9.7881% | 4,398 |
| Core capital (leverage) ratio | 9.2488% | 4,445 |
| Tier 1 risk-based capital ratio | 14.2940% | 4,240 |
| Total risk-based capital ratio | 15.5113% | 4,244 |
| Memoranda: | ||
| Average total assets | $405,357,500 | 1,634 |
| Average earning assets | $373,741,500 | 1,624 |
| Average equity | $39,449,500 | 1,759 |
| Average total loans | $254,393,500 | 1,634 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9290% | 3,210 |
| Cost of funding earning assets | 1.5710% | 534 |
| Net interest margin | 3.3579% | 5,618 |
| Noninterest income to average assets | 0.6424% | 2,932 |
| Noninterest expense to average assets | 2.5217% | 5,395 |
| Loan and lease loss provision to assets | 0.6856% | 1,493 |
| Net operating income to assets | 0.4526% | 4,630 |
| Return on assets (ROA) | 0.5203% | 4,552 |
| Pretax return on assets | 0.6030% | 4,686 |
| Return on Equity (ROE) | 5.2841% | 4,260 |
| Retained earnings to average equity (ytd only) | 0.1589% | 5,764 |
| Net charge-offs to loans | 1.0685% | 1,615 |
| Credit loss provision to net charge-offs | 97.1745% | 3,707 |
| Earnings coverage of net charge-offs (x) | 1.7149% | 4,491 |
| Efficiency ratio | 67.0566% | 4,564 |
| Assets per employee ($millions) | 4.4221% | 3,035 |
| Cash dividends to net income (ytd only)* | 96.9932% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 6,199 |
| Loan loss allowance to noncurrent loans | 28.5937% | 6,274 |
| Noncurrent assets plus other real estate owned to assets | 2.8174% | 2,142 |
| Noncurrent loans to loans | 3.5150% | 1,827 |
| Net loans and leases to total assets | 62.1242% | 3,581 |
| Net loans and leases to deposits | 82.6825% | 2,108 |
| Net loans and leases to core deposits | 86.1772% | 2,612 |
| Total domestic deposits to total assets | 75.1359% | 6,585 |
| Equity capital to assets | 9.6764% | 4,639 |
| Core capital (leverage) ratio | 9.2486% | 4,392 |
| Tier 1 risk-based capital ratio | 13.7399% | 4,529 |
| Total risk-based capital ratio | 14.6814% | 4,716 |
| Memoranda: | ||
| Average total assets | $396,323,400 | 1,637 |
| Average earning assets | $364,600,200 | 1,620 |
| Average equity | $39,022,600 | 1,727 |
| Average total loans | $261,663,400 | 1,607 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9933% | 3,112 |
| Cost of funding earning assets | 1.5958% | 592 |
| Net interest margin | 3.3975% | 5,586 |
| Noninterest income to average assets | 0.5585% | 3,459 |
| Noninterest expense to average assets | 2.4546% | 5,609 |
| Loan and lease loss provision to assets | 0.7657% | 1,230 |
| Net operating income to assets | 0.4099% | 4,953 |
| Return on assets (ROA) | 0.4904% | 4,768 |
| Pretax return on assets | 0.5544% | 4,954 |
| Return on Equity (ROE) | 4.9584% | 4,552 |
| Retained earnings to average equity (ytd only) | -0.1781% | 6,004 |
| Net charge-offs to loans | 1.1360% | 1,390 |
| Credit loss provision to net charge-offs | 100.8025% | 3,336 |
| Earnings coverage of net charge-offs (x) | 1.6175% | 4,433 |
| Efficiency ratio | 66.1732% | 4,688 |
| Assets per employee ($millions) | 4.3205% | 3,235 |
| Cash dividends to net income (ytd only)* | 103.5911% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 6,150 |
| Loan loss allowance to noncurrent loans | 37.2116% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 2.5677% | 2,511 |
| Noncurrent loans to loans | 2.7491% | 2,543 |
| Net loans and leases to total assets | 63.6916% | 3,370 |
| Net loans and leases to deposits | 85.2800% | 1,788 |
| Net loans and leases to core deposits | 88.9935% | 2,360 |
| Total domestic deposits to total assets | 74.6852% | 6,682 |
| Equity capital to assets | 9.8426% | 4,563 |
| Core capital (leverage) ratio | 9.3521% | 4,374 |
| Tier 1 risk-based capital ratio | 13.8184% | 4,488 |
| Total risk-based capital ratio | 14.7964% | 4,670 |
| Memoranda: | ||
| Average total assets | $393,695,500 | 1,658 |
| Average earning assets | $362,099,250 | 1,638 |
| Average equity | $38,936,500 | 1,735 |
| Average total loans | $263,252,000 | 1,612 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0207% | 3,059 |
| Cost of funding earning assets | 1.6074% | 675 |
| Net interest margin | 3.4133% | 5,509 |
| Noninterest income to average assets | 0.7120% | 2,482 |
| Noninterest expense to average assets | 2.4312% | 5,750 |
| Loan and lease loss provision to assets | 0.4246% | 2,310 |
| Net operating income to assets | 0.7526% | 3,275 |
| Return on assets (ROA) | 0.8159% | 3,130 |
| Pretax return on assets | 1.0819% | 2,925 |
| Return on Equity (ROE) | 8.2359% | 2,841 |
| Retained earnings to average equity (ytd only) | 3.0723% | 4,317 |
| Net charge-offs to loans | 0.7145% | 2,083 |
| Credit loss provision to net charge-offs | 87.7378% | 3,525 |
| Earnings coverage of net charge-offs (x) | 2.9387% | 3,378 |
| Efficiency ratio | 62.6576% | 5,467 |
| Assets per employee ($millions) | 4.3936% | 3,005 |
| Cash dividends to net income (ytd only)* | 62.6959% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 6,516 |
| Loan loss allowance to noncurrent loans | 36.3358% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 2.3909% | 2,762 |
| Noncurrent loans to loans | 2.6092% | 2,764 |
| Net loans and leases to total assets | 65.1459% | 3,222 |
| Net loans and leases to deposits | 87.7030% | 1,540 |
| Net loans and leases to core deposits | 93.5205% | 1,957 |
| Total domestic deposits to total assets | 74.2801% | 6,808 |
| Equity capital to assets | 9.8713% | 4,308 |
| Core capital (leverage) ratio | 9.5383% | 3,895 |
| Tier 1 risk-based capital ratio | 13.8825% | 4,247 |
| Total risk-based capital ratio | 14.7934% | 4,480 |
| Memoranda: | ||
| Average total assets | $390,992,330 | 1,681 |
| Average earning assets | $359,832,670 | 1,663 |
| Average equity | $38,732,670 | 1,731 |
| Average total loans | $264,815,670 | 1,628 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1830% | 2,287 |
| Cost of funding earning assets | 1.6291% | 729 |
| Net interest margin | 3.5539% | 4,795 |
| Noninterest income to average assets | 0.7750% | 2,133 |
| Noninterest expense to average assets | 2.4605% | 5,704 |
| Loan and lease loss provision to assets | 0.4698% | 1,870 |
| Net operating income to assets | 0.8223% | 2,921 |
| Return on assets (ROA) | 0.9188% | 2,538 |
| Pretax return on assets | 1.2458% | 2,209 |
| Return on Equity (ROE) | 9.2583% | 2,362 |
| Retained earnings to average equity (ytd only) | 4.0453% | 3,740 |
| Net charge-offs to loans | 0.5810% | 2,037 |
| Credit loss provision to net charge-offs | 117.6166% | 2,306 |
| Earnings coverage of net charge-offs (x) | 3.9689% | 2,591 |
| Efficiency ratio | 60.4092% | 5,922 |
| Assets per employee ($millions) | 4.2975% | 3,252 |
| Cash dividends to net income (ytd only)* | 56.3063% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 6,315 |
| Loan loss allowance to noncurrent loans | 38.8768% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 2.4324% | 2,794 |
| Noncurrent loans to loans | 2.6212% | 2,879 |
| Net loans and leases to total assets | 67.2786% | 2,698 |
| Net loans and leases to deposits | 89.7514% | 1,265 |
| Net loans and leases to core deposits | 96.3877% | 1,645 |
| Total domestic deposits to total assets | 74.9610% | 6,802 |
| Equity capital to assets | 10.0236% | 3,748 |
| Core capital (leverage) ratio | 9.7950% | 3,393 |
| Tier 1 risk-based capital ratio | 13.9873% | 4,079 |
| Total risk-based capital ratio | 14.9789% | 4,224 |
| Memoranda: | ||
| Average total assets | $386,581,000 | 1,707 |
| Average earning assets | $355,777,500 | 1,691 |
| Average equity | $38,365,500 | 1,737 |
| Average total loans | $265,745,500 | 1,636 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1727% | 3,735 |
| Cost of funding earning assets | 1.9536% | 714 |
| Net interest margin | 3.2191% | 6,225 |
| Noninterest income to average assets | 0.7488% | 2,549 |
| Noninterest expense to average assets | 2.3788% | 6,141 |
| Loan and lease loss provision to assets | 0.6721% | 2,457 |
| Net operating income to assets | 0.5205% | 4,000 |
| Return on assets (ROA) | 0.6631% | 3,520 |
| Pretax return on assets | 0.8599% | 3,440 |
| Return on Equity (ROE) | 6.9736% | 3,137 |
| Retained earnings to average equity (ytd only) | 6.9736% | 1,341 |
| Net charge-offs to loans | 0.9753% | 2,227 |
| Credit loss provision to net charge-offs | 98.6111% | 4,694 |
| Earnings coverage of net charge-offs (x) | 1.9760% | 4,249 |
| Efficiency ratio | 63.5078% | 5,431 |
| Assets per employee ($millions) | 4.4412% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 6,513 |
| Loan loss allowance to noncurrent loans | 27.8052% | 6,418 |
| Noncurrent assets plus other real estate owned to assets | 2.5161% | 2,758 |
| Noncurrent loans to loans | 3.4707% | 2,180 |
| Net loans and leases to total assets | 68.8438% | 2,781 |
| Net loans and leases to deposits | 92.4684% | 1,211 |
| Net loans and leases to core deposits | 101.9426% | 1,460 |
| Total domestic deposits to total assets | 74.4511% | 6,836 |
| Equity capital to assets | 9.8249% | 3,968 |
| Core capital (leverage) ratio | 9.6971% | 3,434 |
| Tier 1 risk-based capital ratio | 13.9516% | 3,899 |
| Total risk-based capital ratio | 14.9181% | 4,057 |
| Memoranda: | ||
| Average total assets | $390,875,400 | 1,684 |
| Average earning assets | $361,435,200 | 1,661 |
| Average equity | $37,169,000 | 1,780 |
| Average total loans | $273,152,800 | 1,635 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2242% | 3,709 |
| Cost of funding earning assets | 2.0296% | 691 |
| Net interest margin | 3.1946% | 6,358 |
| Noninterest income to average assets | 0.6619% | 3,063 |
| Noninterest expense to average assets | 2.3459% | 6,185 |
| Loan and lease loss provision to assets | 0.6513% | 2,344 |
| Net operating income to assets | 0.4806% | 4,400 |
| Return on assets (ROA) | 0.6592% | 3,766 |
| Pretax return on assets | 0.8524% | 3,722 |
| Return on Equity (ROE) | 6.9891% | 3,351 |
| Retained earnings to average equity (ytd only) | 6.9891% | 1,852 |
| Net charge-offs to loans | 0.8837% | 2,234 |
| Credit loss provision to net charge-offs | 105.3355% | 4,066 |
| Earnings coverage of net charge-offs (x) | 2.0567% | 4,184 |
| Efficiency ratio | 64.4979% | 5,156 |
| Assets per employee ($millions) | 4.3469% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 6,378 |
| Loan loss allowance to noncurrent loans | 40.2287% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 1.9094% | 3,597 |
| Noncurrent loans to loans | 2.4949% | 3,123 |
| Net loans and leases to total assets | 69.8504% | 2,765 |
| Net loans and leases to deposits | 94.6524% | 1,135 |
| Net loans and leases to core deposits | 110.6117% | 1,004 |
| Total domestic deposits to total assets | 73.7968% | 6,946 |
| Equity capital to assets | 10.0591% | 4,080 |
| Core capital (leverage) ratio | 9.6529% | 3,682 |
| Tier 1 risk-based capital ratio | 13.6791% | 4,063 |
| Total risk-based capital ratio | 14.6872% | 4,195 |
| Memoranda: | ||
| Average total assets | $391,998,000 | 1,706 |
| Average earning assets | $362,687,500 | 1,685 |
| Average equity | $36,970,750 | 1,806 |
| Average total loans | $274,292,500 | 1,651 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1982% | 3,971 |
| Cost of funding earning assets | 2.0727% | 727 |
| Net interest margin | 3.1254% | 6,533 |
| Noninterest income to average assets | 0.6367% | 3,087 |
| Noninterest expense to average assets | 2.3312% | 6,272 |
| Loan and lease loss provision to assets | 0.2657% | 4,264 |
| Net operating income to assets | 0.6928% | 3,432 |
| Return on assets (ROA) | 0.7992% | 3,121 |
| Pretax return on assets | 1.0791% | 2,852 |
| Return on Equity (ROE) | 8.6596% | 2,600 |
| Retained earnings to average equity (ytd only) | 8.6596% | 1,210 |
| Net charge-offs to loans | 0.5440% | 2,900 |
| Credit loss provision to net charge-offs | 70.0000% | 4,964 |
| Earnings coverage of net charge-offs (x) | 3.1640% | 3,422 |
| Efficiency ratio | 65.6398% | 5,045 |
| Assets per employee ($millions) | 4.4868% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8739% | 6,842 |
| Loan loss allowance to noncurrent loans | 38.3269% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 1.5888% | 4,073 |
| Noncurrent loans to loans | 2.2801% | 3,395 |
| Net loans and leases to total assets | 68.5742% | 3,228 |
| Net loans and leases to deposits | 93.3297% | 1,362 |
| Net loans and leases to core deposits | 112.4659% | 1,005 |
| Total domestic deposits to total assets | 73.4752% | 7,042 |
| Equity capital to assets | 9.5240% | 4,670 |
| Core capital (leverage) ratio | 9.2408% | 4,228 |
| Tier 1 risk-based capital ratio | 13.1983% | 4,288 |
| Total risk-based capital ratio | 14.0645% | 4,555 |
| Memoranda: | ||
| Average total assets | $395,154,330 | 1,705 |
| Average earning assets | $366,091,670 | 1,680 |
| Average equity | $36,468,000 | 1,825 |
| Average total loans | $275,754,330 | 1,658 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 4,339 |
| Cost of funding earning assets | 2.1066% | 796 |
| Net interest margin | 3.0349% | 6,755 |
| Noninterest income to average assets | 0.6172% | 3,155 |
| Noninterest expense to average assets | 2.3040% | 6,364 |
| Loan and lease loss provision to assets | 0.1670% | 4,862 |
| Net operating income to assets | 0.7137% | 3,374 |
| Return on assets (ROA) | 0.7923% | 3,114 |
| Pretax return on assets | 1.0645% | 2,865 |
| Return on Equity (ROE) | 8.7242% | 2,583 |
| Retained earnings to average equity (ytd only) | 8.7242% | 1,475 |
| Net charge-offs to loans | 0.2194% | 3,612 |
| Credit loss provision to net charge-offs | 108.5526% | 3,167 |
| Earnings coverage of net charge-offs (x) | 7.3158% | 2,107 |
| Efficiency ratio | 66.8044% | 4,953 |
| Assets per employee ($millions) | 4.6996% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 6,658 |
| Loan loss allowance to noncurrent loans | 37.0920% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 1.8084% | 3,775 |
| Noncurrent loans to loans | 2.5699% | 3,100 |
| Net loans and leases to total assets | 69.0911% | 3,137 |
| Net loans and leases to deposits | 95.8319% | 1,128 |
| Net loans and leases to core deposits | 113.2569% | 1,077 |
| Total domestic deposits to total assets | 72.0962% | 7,255 |
| Equity capital to assets | 9.2327% | 4,944 |
| Core capital (leverage) ratio | 9.0491% | 4,477 |
| Tier 1 risk-based capital ratio | 13.0241% | 4,316 |
| Total risk-based capital ratio | 13.9831% | 4,494 |
| Memoranda: | ||
| Average total assets | $395,314,000 | 1,744 |
| Average earning assets | $366,276,000 | 1,720 |
| Average equity | $35,900,000 | 1,872 |
| Average total loans | $277,060,500 | 1,697 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4096% | 4,657 |
| Cost of funding earning assets | 2.5383% | 928 |
| Net interest margin | 2.8713% | 6,910 |
| Noninterest income to average assets | 0.6659% | 3,186 |
| Noninterest expense to average assets | 2.2098% | 6,970 |
| Loan and lease loss provision to assets | 0.7493% | 2,863 |
| Net operating income to assets | 0.2902% | 4,572 |
| Return on assets (ROA) | 0.5313% | 3,699 |
| Pretax return on assets | 0.6475% | 3,757 |
| Return on Equity (ROE) | 6.3797% | 3,040 |
| Retained earnings to average equity (ytd only) | 5.1312% | 1,749 |
| Net charge-offs to loans | 0.6328% | 3,307 |
| Credit loss provision to net charge-offs | 162.6975% | 2,703 |
| Earnings coverage of net charge-offs (x) | 2.3945% | 3,937 |
| Efficiency ratio | 66.3005% | 5,338 |
| Assets per employee ($millions) | 4.6572% | 2,674 |
| Cash dividends to net income (ytd only)* | 19.5695% | 3,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9367% | 6,681 |
| Loan loss allowance to noncurrent loans | 36.2639% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 1.8827% | 3,552 |
| Noncurrent loans to loans | 2.5830% | 2,976 |
| Net loans and leases to total assets | 69.7558% | 3,315 |
| Net loans and leases to deposits | 98.9157% | 1,007 |
| Net loans and leases to core deposits | 132.4587% | 1,144 |
| Total domestic deposits to total assets | 70.5205% | 7,375 |
| Equity capital to assets | 8.9305% | 5,249 |
| Core capital (leverage) ratio | 8.8192% | 4,740 |
| Tier 1 risk-based capital ratio | 12.5139% | 4,511 |
| Total risk-based capital ratio | 13.4509% | 4,734 |
| Memoranda: | ||
| Average total assets | $384,739,800 | 1,776 |
| Average earning assets | $354,650,000 | 1,764 |
| Average equity | $32,039,200 | 2,087 |
| Average total loans | $280,022,400 | 1,717 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4231% | 4,835 |
| Cost of funding earning assets | 2.5754% | 1,089 |
| Net interest margin | 2.8477% | 6,969 |
| Noninterest income to average assets | 0.6706% | 3,216 |
| Noninterest expense to average assets | 2.2672% | 6,792 |
| Loan and lease loss provision to assets | 0.8982% | 2,142 |
| Net operating income to assets | 0.1174% | 5,415 |
| Return on assets (ROA) | 0.4231% | 4,413 |
| Pretax return on assets | 0.4730% | 4,607 |
| Return on Equity (ROE) | 5.1775% | 3,891 |
| Retained earnings to average equity (ytd only) | 3.4688% | 3,356 |
| Net charge-offs to loans | 1.0953% | 1,823 |
| Credit loss provision to net charge-offs | 111.7238% | 4,545 |
| Earnings coverage of net charge-offs (x) | 1.2783% | 4,815 |
| Efficiency ratio | 68.4077% | 4,892 |
| Assets per employee ($millions) | 4.6965% | 2,565 |
| Cash dividends to net income (ytd only)* | 33.0033% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6374% | 7,510 |
| Loan loss allowance to noncurrent loans | 24.6728% | 6,799 |
| Noncurrent assets plus other real estate owned to assets | 1.9571% | 3,404 |
| Noncurrent loans to loans | 2.5834% | 2,924 |
| Net loans and leases to total assets | 71.7294% | 3,097 |
| Net loans and leases to deposits | 102.3900% | 897 |
| Net loans and leases to core deposits | 138.0488% | 1,009 |
| Total domestic deposits to total assets | 70.0550% | 7,412 |
| Equity capital to assets | 8.3657% | 6,423 |
| Core capital (leverage) ratio | 8.2036% | 6,008 |
| Tier 1 risk-based capital ratio | 11.3061% | 5,631 |
| Total risk-based capital ratio | 11.9413% | 6,235 |
| Memoranda: | ||
| Average total assets | $381,960,250 | 1,802 |
| Average earning assets | $351,993,250 | 1,792 |
| Average equity | $31,211,000 | 2,171 |
| Average total loans | $280,341,750 | 1,739 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4116% | 5,086 |
| Cost of funding earning assets | 2.5954% | 1,301 |
| Net interest margin | 2.8162% | 6,981 |
| Noninterest income to average assets | 0.6584% | 3,278 |
| Noninterest expense to average assets | 2.2914% | 6,778 |
| Loan and lease loss provision to assets | 1.2801% | 1,336 |
| Net operating income to assets | -0.2300% | 6,233 |
| Return on assets (ROA) | 0.2021% | 5,336 |
| Pretax return on assets | 0.1171% | 5,639 |
| Return on Equity (ROE) | 2.4939% | 5,103 |
| Retained earnings to average equity (ytd only) | 2.4939% | 3,945 |
| Net charge-offs to loans | 1.6200% | 1,170 |
| Credit loss provision to net charge-offs | 107.0707% | 4,309 |
| Earnings coverage of net charge-offs (x) | 0.8072% | 4,928 |
| Efficiency ratio | 69.9613% | 4,792 |
| Assets per employee ($millions) | 4.6098% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6102% | 7,620 |
| Loan loss allowance to noncurrent loans | 23.1585% | 6,957 |
| Noncurrent assets plus other real estate owned to assets | 1.9208% | 3,319 |
| Noncurrent loans to loans | 2.6351% | 2,747 |
| Net loans and leases to total assets | 70.7462% | 3,524 |
| Net loans and leases to deposits | 101.5469% | 1,111 |
| Net loans and leases to core deposits | 143.1317% | 883 |
| Total domestic deposits to total assets | 69.6685% | 7,503 |
| Equity capital to assets | 7.9657% | 6,791 |
| Core capital (leverage) ratio | 8.0170% | 6,300 |
| Tier 1 risk-based capital ratio | 11.2558% | 5,636 |
| Total risk-based capital ratio | 11.8653% | 6,205 |
| Memoranda: | ||
| Average total assets | $380,910,330 | 1,825 |
| Average earning assets | $351,395,000 | 1,815 |
| Average equity | $30,875,670 | 2,196 |
| Average total loans | $281,119,330 | 1,763 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5422% | 4,680 |
| Cost of funding earning assets | 2.6436% | 1,433 |
| Net interest margin | 2.8986% | 6,752 |
| Noninterest income to average assets | 0.6152% | 3,438 |
| Noninterest expense to average assets | 2.3592% | 6,341 |
| Loan and lease loss provision to assets | 0.4077% | 2,880 |
| Net operating income to assets | 0.3994% | 4,865 |
| Return on assets (ROA) | 0.6872% | 3,800 |
| Pretax return on assets | 0.8948% | 3,739 |
| Return on Equity (ROE) | 8.4037% | 2,966 |
| Retained earnings to average equity (ytd only) | 8.4037% | 1,661 |
| Net charge-offs to loans | 0.2086% | 3,395 |
| Credit loss provision to net charge-offs | 260.1351% | 1,814 |
| Earnings coverage of net charge-offs (x) | 5.9257% | 2,581 |
| Efficiency ratio | 71.3688% | 4,297 |
| Assets per employee ($millions) | 4.3119% | 3,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6245% | 7,619 |
| Loan loss allowance to noncurrent loans | 42.4843% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 1.1239% | 4,433 |
| Noncurrent loans to loans | 1.4700% | 4,097 |
| Net loans and leases to total assets | 72.8951% | 3,032 |
| Net loans and leases to deposits | 106.0674% | 856 |
| Net loans and leases to core deposits | 147.1317% | 807 |
| Total domestic deposits to total assets | 68.7253% | 7,543 |
| Equity capital to assets | 8.1651% | 6,579 |
| Core capital (leverage) ratio | 7.9951% | 6,454 |
| Tier 1 risk-based capital ratio | 10.9846% | 5,922 |
| Total risk-based capital ratio | 11.6152% | 6,443 |
| Memoranda: | ||
| Average total assets | $377,753,000 | 1,851 |
| Average earning assets | $348,311,500 | 1,840 |
| Average equity | $30,891,000 | 2,200 |
| Average total loans | $283,864,500 | 1,750 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2811% | 4,063 |
| Cost of funding earning assets | 3.1910% | 1,216 |
| Net interest margin | 3.0901% | 6,676 |
| Noninterest income to average assets | 0.7115% | 3,042 |
| Noninterest expense to average assets | 2.2358% | 6,874 |
| Loan and lease loss provision to assets | 0.3028% | 3,954 |
| Net operating income to assets | 0.7537% | 3,649 |
| Return on assets (ROA) | 0.7993% | 3,275 |
| Pretax return on assets | 1.0659% | 3,156 |
| Return on Equity (ROE) | 9.2280% | 2,557 |
| Retained earnings to average equity (ytd only) | 2.1071% | 3,920 |
| Net charge-offs to loans | 0.4764% | 2,452 |
| Credit loss provision to net charge-offs | 83.6561% | 5,816 |
| Earnings coverage of net charge-offs (x) | 3.6135% | 4,292 |
| Efficiency ratio | 62.6582% | 5,835 |
| Assets per employee ($millions) | 3.9973% | 3,516 |
| Cash dividends to net income (ytd only)* | 77.1659% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5317% | 7,799 |
| Loan loss allowance to noncurrent loans | 162.6068% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.3215% | 6,319 |
| Noncurrent loans to loans | 0.3270% | 6,391 |
| Net loans and leases to total assets | 76.5864% | 2,478 |
| Net loans and leases to deposits | 114.3175% | 599 |
| Net loans and leases to core deposits | 150.5664% | 833 |
| Total domestic deposits to total assets | 66.9944% | 7,575 |
| Equity capital to assets | 8.1905% | 6,566 |
| Core capital (leverage) ratio | 8.1077% | 6,313 |
| Tier 1 risk-based capital ratio | 10.7329% | 5,970 |
| Total risk-based capital ratio | 11.2753% | 6,590 |
| Memoranda: | ||
| Average total assets | $356,689,000 | 1,879 |
| Average earning assets | $326,917,600 | 1,868 |
| Average equity | $30,895,000 | 2,182 |
| Average total loans | $271,002,000 | 1,765 |