Home > RiverWood Bank > Performance and Condition Ratios
RiverWood Bank, Performance and Condition Ratios
| 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 | 4.8393% | 2,064 |
| Cost of funding earning assets | 0.9261% | 1,780 |
| Net interest margin | 3.9132% | 2,770 |
| Noninterest income to average assets | 1.0812% | 1,329 |
| Noninterest expense to average assets | 3.9523% | 1,034 |
| Loan and lease loss provision to assets | 0.2199% | 2,937 |
| Net operating income to assets | 0.0999% | 6,014 |
| Return on assets (ROA) | 0.0999% | 6,157 |
| Pretax return on assets | 0.1131% | 6,135 |
| Return on Equity (ROE) | 0.9841% | 6,137 |
| Retained earnings to average equity (ytd only) | 0.9841% | 5,386 |
| Net charge-offs to loans | 0.5821% | 1,983 |
| Credit loss provision to net charge-offs | 53.1915% | 4,613 |
| Earnings coverage of net charge-offs (x) | 0.8055% | 5,067 |
| Efficiency ratio | 92.2299% | 898 |
| Assets per employee ($millions) | 3.4826% | 5,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6184% | 3,226 |
| Loan loss allowance to noncurrent loans | 41.0503% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 9.0248% | 268 |
| Noncurrent loans to loans | 3.9425% | 1,203 |
| Net loans and leases to total assets | 69.6706% | 1,907 |
| Net loans and leases to deposits | 84.2686% | 1,724 |
| Net loans and leases to core deposits | 84.7754% | 2,455 |
| Total domestic deposits to total assets | 82.6769% | 4,858 |
| Equity capital to assets | 9.9454% | 4,249 |
| Core capital (leverage) ratio | 8.6291% | 5,425 |
| Tier 1 risk-based capital ratio | 10.7665% | 6,441 |
| Total risk-based capital ratio | 12.0190% | 6,412 |
| Memoranda: | ||
| Average total assets | $159,172,800 | 3,635 |
| Average earning assets | $130,328,400 | 3,885 |
| Average equity | $16,156,600 | 3,752 |
| Average total loans | $113,040,200 | 3,225 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8640% | 2,141 |
| Cost of funding earning assets | 0.9700% | 1,740 |
| Net interest margin | 3.8941% | 2,931 |
| Noninterest income to average assets | 0.9280% | 1,741 |
| Noninterest expense to average assets | 3.9777% | 961 |
| Loan and lease loss provision to assets | 0.1265% | 3,966 |
| Net operating income to assets | 0.0633% | 6,189 |
| Return on assets (ROA) | 0.0633% | 6,328 |
| Pretax return on assets | 0.0582% | 6,325 |
| Return on Equity (ROE) | 0.6201% | 6,325 |
| Retained earnings to average equity (ytd only) | 0.6201% | 5,907 |
| Net charge-offs to loans | 0.6541% | 1,672 |
| Credit loss provision to net charge-offs | 27.2232% | 4,844 |
| Earnings coverage of net charge-offs (x) | 0.3975% | 5,131 |
| Efficiency ratio | 95.5614% | 696 |
| Assets per employee ($millions) | 3.0808% | 5,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5904% | 3,556 |
| Loan loss allowance to noncurrent loans | 37.9574% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 9.5270% | 268 |
| Noncurrent loans to loans | 4.1900% | 1,185 |
| Net loans and leases to total assets | 70.2562% | 1,863 |
| Net loans and leases to deposits | 87.8620% | 1,368 |
| Net loans and leases to core deposits | 88.7942% | 2,123 |
| Total domestic deposits to total assets | 79.9621% | 5,662 |
| Equity capital to assets | 10.3149% | 4,063 |
| Core capital (leverage) ratio | 8.9349% | 5,147 |
| Tier 1 risk-based capital ratio | 11.0589% | 6,454 |
| Total risk-based capital ratio | 12.3112% | 6,429 |
| Memoranda: | ||
| Average total assets | $158,045,250 | 3,687 |
| Average earning assets | $131,273,750 | 3,910 |
| Average equity | $16,126,000 | 3,799 |
| Average total loans | $112,321,500 | 3,274 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6944% | 2,939 |
| Cost of funding earning assets | 1.0050% | 1,738 |
| Net interest margin | 3.6894% | 3,875 |
| Noninterest income to average assets | 0.8854% | 1,839 |
| Noninterest expense to average assets | 3.8799% | 1,101 |
| Loan and lease loss provision to assets | 0.1895% | 3,207 |
| Net operating income to assets | -0.0429% | 6,370 |
| Return on assets (ROA) | -0.0429% | 6,489 |
| Pretax return on assets | -0.1099% | 6,526 |
| Return on Equity (ROE) | -0.4224% | 6,492 |
| Retained earnings to average equity (ytd only) | -0.4224% | 6,107 |
| Net charge-offs to loans | 0.8294% | 1,336 |
| Credit loss provision to net charge-offs | 32.1888% | 4,406 |
| Earnings coverage of net charge-offs (x) | 0.1352% | 5,007 |
| Efficiency ratio | 97.9904% | 623 |
| Assets per employee ($millions) | 3.1494% | 5,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6696% | 3,358 |
| Loan loss allowance to noncurrent loans | 29.4963% | 6,179 |
| Noncurrent assets plus other real estate owned to assets | 9.5996% | 292 |
| Noncurrent loans to loans | 5.6604% | 807 |
| Net loans and leases to total assets | 71.2906% | 1,683 |
| Net loans and leases to deposits | 90.9839% | 1,047 |
| Net loans and leases to core deposits | 91.7993% | 1,801 |
| Total domestic deposits to total assets | 78.3552% | 6,092 |
| Equity capital to assets | 10.4290% | 3,771 |
| Core capital (leverage) ratio | 9.0037% | 4,912 |
| Tier 1 risk-based capital ratio | 11.0379% | 6,476 |
| Total risk-based capital ratio | 12.2909% | 6,449 |
| Memoranda: | ||
| Average total assets | $158,353,000 | 3,695 |
| Average earning assets | $131,944,000 | 3,922 |
| Average equity | $16,099,000 | 3,792 |
| Average total loans | $112,371,330 | 3,284 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6241% | 3,388 |
| Cost of funding earning assets | 1.0412% | 1,738 |
| Net interest margin | 3.5830% | 4,339 |
| Noninterest income to average assets | 1.0750% | 1,250 |
| Noninterest expense to average assets | 4.2851% | 679 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1073% | 6,550 |
| Return on assets (ROA) | -0.1073% | 6,627 |
| Pretax return on assets | -0.2145% | 6,675 |
| Return on Equity (ROE) | -1.0682% | 6,631 |
| Retained earnings to average equity (ytd only) | -1.0682% | 6,165 |
| Net charge-offs to loans | 0.6820% | 1,454 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.4479% | 4,493 |
| Efficiency ratio | 105.2696% | 426 |
| Assets per employee ($millions) | 3.1063% | 5,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8153% | 2,940 |
| Loan loss allowance to noncurrent loans | 26.6381% | 6,315 |
| Noncurrent assets plus other real estate owned to assets | 9.7607% | 315 |
| Noncurrent loans to loans | 6.8145% | 674 |
| Net loans and leases to total assets | 68.0112% | 2,117 |
| Net loans and leases to deposits | 86.4442% | 1,369 |
| Net loans and leases to core deposits | 88.6257% | 1,987 |
| Total domestic deposits to total assets | 78.6764% | 6,151 |
| Equity capital to assets | 10.1508% | 3,915 |
| Core capital (leverage) ratio | 8.7724% | 5,166 |
| Tier 1 risk-based capital ratio | 11.2230% | 6,429 |
| Total risk-based capital ratio | 12.4780% | 6,409 |
| Memoranda: | ||
| Average total assets | $160,370,000 | 3,677 |
| Average earning assets | $134,079,000 | 3,912 |
| Average equity | $16,101,500 | 3,795 |
| Average total loans | $112,615,500 | 3,304 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2650% | 1,815 |
| Cost of funding earning assets | 1.2677% | 1,644 |
| Net interest margin | 3.9973% | 2,893 |
| Noninterest income to average assets | 0.6327% | 2,992 |
| Noninterest expense to average assets | 5.2680% | 307 |
| Loan and lease loss provision to assets | 0.5699% | 1,828 |
| Net operating income to assets | -1.5186% | 6,910 |
| Return on assets (ROA) | -1.5186% | 6,933 |
| Pretax return on assets | -1.8698% | 6,996 |
| Return on Equity (ROE) | -14.3682% | 6,872 |
| Retained earnings to average equity (ytd only) | -14.3682% | 6,848 |
| Net charge-offs to loans | 1.4628% | 1,103 |
| Credit loss provision to net charge-offs | 52.6166% | 5,359 |
| Earnings coverage of net charge-offs (x) | -1.2002% | 6,221 |
| Efficiency ratio | 106.4120% | 510 |
| Assets per employee ($millions) | 3.3126% | 5,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8910% | 2,597 |
| Loan loss allowance to noncurrent loans | 23.9842% | 6,476 |
| Noncurrent assets plus other real estate owned to assets | 9.9187% | 339 |
| Noncurrent loans to loans | 7.8843% | 514 |
| Net loans and leases to total assets | 69.8076% | 2,070 |
| Net loans and leases to deposits | 88.1126% | 1,366 |
| Net loans and leases to core deposits | 92.0315% | 1,883 |
| Total domestic deposits to total assets | 79.2255% | 5,938 |
| Equity capital to assets | 9.9323% | 4,252 |
| Core capital (leverage) ratio | 8.6144% | 5,372 |
| Tier 1 risk-based capital ratio | 11.1785% | 6,360 |
| Total risk-based capital ratio | 12.4345% | 6,336 |
| Memoranda: | ||
| Average total assets | $162,319,800 | 3,602 |
| Average earning assets | $135,442,600 | 3,831 |
| Average equity | $17,156,000 | 3,552 |
| Average total loans | $120,182,000 | 3,169 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4238% | 1,449 |
| Cost of funding earning assets | 1.3160% | 1,616 |
| Net interest margin | 4.1078% | 2,444 |
| Noninterest income to average assets | 0.5898% | 3,234 |
| Noninterest expense to average assets | 5.8566% | 217 |
| Loan and lease loss provision to assets | 0.7598% | 1,250 |
| Net operating income to assets | -2.0938% | 7,152 |
| Return on assets (ROA) | -2.0938% | 7,161 |
| Pretax return on assets | -2.6038% | 7,230 |
| Return on Equity (ROE) | -19.5158% | 7,091 |
| Retained earnings to average equity (ytd only) | -19.5158% | 7,076 |
| Net charge-offs to loans | 1.9447% | 663 |
| Credit loss provision to net charge-offs | 52.2599% | 4,987 |
| Earnings coverage of net charge-offs (x) | -1.2684% | 5,962 |
| Efficiency ratio | 111.2180% | 409 |
| Assets per employee ($millions) | 3.2917% | 5,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8861% | 2,658 |
| Loan loss allowance to noncurrent loans | 27.0149% | 6,408 |
| Noncurrent assets plus other real estate owned to assets | 9.2472% | 416 |
| Noncurrent loans to loans | 6.9817% | 712 |
| Net loans and leases to total assets | 70.0506% | 2,071 |
| Net loans and leases to deposits | 91.0245% | 1,106 |
| Net loans and leases to core deposits | 95.2207% | 1,678 |
| Total domestic deposits to total assets | 76.9579% | 6,381 |
| Equity capital to assets | 9.9447% | 4,419 |
| Core capital (leverage) ratio | 8.5921% | 5,566 |
| Tier 1 risk-based capital ratio | 11.0013% | 6,541 |
| Total risk-based capital ratio | 12.2579% | 6,520 |
| Memoranda: | ||
| Average total assets | $162,320,000 | 3,632 |
| Average earning assets | $135,251,250 | 3,856 |
| Average equity | $17,414,500 | 3,524 |
| Average total loans | $121,353,750 | 3,173 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5803% | 1,108 |
| Cost of funding earning assets | 1.3490% | 1,657 |
| Net interest margin | 4.2313% | 1,913 |
| Noninterest income to average assets | 0.6836% | 2,635 |
| Noninterest expense to average assets | 4.3808% | 681 |
| Loan and lease loss provision to assets | 0.5533% | 1,752 |
| Net operating income to assets | -0.4107% | 6,616 |
| Return on assets (ROA) | -0.4107% | 6,644 |
| Pretax return on assets | -0.7254% | 6,786 |
| Return on Equity (ROE) | -3.7376% | 6,640 |
| Retained earnings to average equity (ytd only) | -3.7376% | 6,449 |
| Net charge-offs to loans | 1.3823% | 1,096 |
| Credit loss provision to net charge-offs | 52.7550% | 4,515 |
| Earnings coverage of net charge-offs (x) | -0.1641% | 5,385 |
| Efficiency ratio | 104.0900% | 615 |
| Assets per employee ($millions) | 3.0624% | 5,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1778% | 1,965 |
| Loan loss allowance to noncurrent loans | 53.7197% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 7.5544% | 635 |
| Noncurrent loans to loans | 4.0539% | 1,707 |
| Net loans and leases to total assets | 73.7342% | 1,467 |
| Net loans and leases to deposits | 97.2205% | 641 |
| Net loans and leases to core deposits | 103.3518% | 1,086 |
| Total domestic deposits to total assets | 75.8423% | 6,618 |
| Equity capital to assets | 11.1545% | 2,809 |
| Core capital (leverage) ratio | 9.0078% | 4,710 |
| Tier 1 risk-based capital ratio | 10.9369% | 6,579 |
| Total risk-based capital ratio | 12.1969% | 6,544 |
| Memoranda: | ||
| Average total assets | $162,662,670 | 3,638 |
| Average earning assets | $135,512,330 | 3,874 |
| Average equity | $17,872,670 | 3,436 |
| Average total loans | $123,419,000 | 3,158 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7050% | 871 |
| Cost of funding earning assets | 1.3979% | 1,623 |
| Net interest margin | 4.3072% | 1,541 |
| Noninterest income to average assets | 0.6765% | 2,694 |
| Noninterest expense to average assets | 5.0763% | 344 |
| Loan and lease loss provision to assets | 0.5475% | 1,580 |
| Net operating income to assets | -0.7787% | 6,952 |
| Return on assets (ROA) | -0.7787% | 6,961 |
| Pretax return on assets | -1.3482% | 7,114 |
| Return on Equity (ROE) | -7.1399% | 6,922 |
| Retained earnings to average equity (ytd only) | -7.1399% | 6,688 |
| Net charge-offs to loans | 1.3652% | 1,013 |
| Credit loss provision to net charge-offs | 52.6932% | 3,698 |
| Earnings coverage of net charge-offs (x) | -0.7705% | 4,863 |
| Efficiency ratio | 118.7251% | 360 |
| Assets per employee ($millions) | 3.1235% | 5,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3371% | 1,708 |
| Loan loss allowance to noncurrent loans | 57.1458% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 7.4176% | 685 |
| Noncurrent loans to loans | 4.0897% | 1,760 |
| Net loans and leases to total assets | 72.4246% | 1,625 |
| Net loans and leases to deposits | 95.9369% | 694 |
| Net loans and leases to core deposits | 102.1181% | 1,193 |
| Total domestic deposits to total assets | 75.4919% | 6,738 |
| Equity capital to assets | 10.9387% | 2,750 |
| Core capital (leverage) ratio | 8.8356% | 4,875 |
| Tier 1 risk-based capital ratio | 10.8773% | 6,590 |
| Total risk-based capital ratio | 12.1377% | 6,562 |
| Memoranda: | ||
| Average total assets | $164,371,500 | 3,640 |
| Average earning assets | $137,352,000 | 3,871 |
| Average equity | $17,927,500 | 3,406 |
| Average total loans | $125,112,500 | 3,151 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7128% | 1,525 |
| Cost of funding earning assets | 1.7281% | 1,471 |
| Net interest margin | 3.9847% | 3,081 |
| Noninterest income to average assets | 0.5117% | 4,081 |
| Noninterest expense to average assets | 5.4856% | 304 |
| Loan and lease loss provision to assets | 2.0809% | 620 |
| Net operating income to assets | -2.9767% | 7,290 |
| Return on assets (ROA) | -2.9767% | 7,312 |
| Pretax return on assets | -3.7855% | 7,405 |
| Return on Equity (ROE) | -25.5566% | 7,148 |
| Retained earnings to average equity (ytd only) | -25.5566% | 7,129 |
| Net charge-offs to loans | 1.8312% | 1,145 |
| Credit loss provision to net charge-offs | 145.1946% | 2,545 |
| Earnings coverage of net charge-offs (x) | -1.1894% | 6,639 |
| Efficiency ratio | 103.9289% | 675 |
| Assets per employee ($millions) | 3.0240% | 6,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3248% | 1,656 |
| Loan loss allowance to noncurrent loans | 37.2056% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 9.4986% | 453 |
| Noncurrent loans to loans | 6.2485% | 981 |
| Net loans and leases to total assets | 76.2138% | 1,235 |
| Net loans and leases to deposits | 100.1944% | 564 |
| Net loans and leases to core deposits | 108.2513% | 1,027 |
| Total domestic deposits to total assets | 76.0659% | 6,629 |
| Equity capital to assets | 10.8755% | 2,797 |
| Core capital (leverage) ratio | 8.9543% | 4,614 |
| Tier 1 risk-based capital ratio | 10.5139% | 6,694 |
| Total risk-based capital ratio | 11.7743% | 6,663 |
| Memoranda: | ||
| Average total assets | $175,695,800 | 3,445 |
| Average earning assets | $144,150,200 | 3,738 |
| Average equity | $20,464,400 | 3,081 |
| Average total loans | $137,502,000 | 2,996 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7866% | 1,436 |
| Cost of funding earning assets | 1.7605% | 1,584 |
| Net interest margin | 4.0260% | 2,977 |
| Noninterest income to average assets | 0.4254% | 4,758 |
| Noninterest expense to average assets | 3.6635% | 1,644 |
| Loan and lease loss provision to assets | 2.5694% | 400 |
| Net operating income to assets | -1.6251% | 7,137 |
| Return on assets (ROA) | -1.6251% | 7,150 |
| Pretax return on assets | -2.5177% | 7,318 |
| Return on Equity (ROE) | -13.7392% | 7,065 |
| Retained earnings to average equity (ytd only) | -13.7392% | 7,032 |
| Net charge-offs to loans | 2.3628% | 742 |
| Credit loss provision to net charge-offs | 138.8507% | 2,871 |
| Earnings coverage of net charge-offs (x) | 0.0279% | 6,003 |
| Efficiency ratio | 98.6092% | 797 |
| Assets per employee ($millions) | 3.1602% | 5,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1708% | 1,855 |
| Loan loss allowance to noncurrent loans | 47.3957% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 8.2233% | 601 |
| Noncurrent loans to loans | 4.5801% | 1,564 |
| Net loans and leases to total assets | 73.6110% | 1,888 |
| Net loans and leases to deposits | 100.8163% | 598 |
| Net loans and leases to core deposits | 109.4970% | 1,064 |
| Total domestic deposits to total assets | 73.0149% | 7,029 |
| Equity capital to assets | 11.8894% | 2,231 |
| Core capital (leverage) ratio | 8.7021% | 5,183 |
| Tier 1 risk-based capital ratio | 10.4053% | 6,832 |
| Total risk-based capital ratio | 11.6639% | 6,822 |
| Memoranda: | ||
| Average total assets | $178,040,000 | 3,453 |
| Average earning assets | $145,482,750 | 3,757 |
| Average equity | $21,058,500 | 3,043 |
| Average total loans | $139,433,750 | 2,992 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8311% | 1,344 |
| Cost of funding earning assets | 1.7857% | 1,703 |
| Net interest margin | 4.0454% | 2,815 |
| Noninterest income to average assets | 0.5617% | 3,615 |
| Noninterest expense to average assets | 3.6278% | 1,715 |
| Loan and lease loss provision to assets | 3.6567% | 230 |
| Net operating income to assets | -2.2602% | 7,366 |
| Return on assets (ROA) | -2.2602% | 7,376 |
| Pretax return on assets | -3.4127% | 7,533 |
| Return on Equity (ROE) | -19.1414% | 7,260 |
| Retained earnings to average equity (ytd only) | -19.1414% | 7,236 |
| Net charge-offs to loans | 3.3868% | 440 |
| Credit loss provision to net charge-offs | 136.1411% | 2,945 |
| Earnings coverage of net charge-offs (x) | 0.0909% | 5,636 |
| Efficiency ratio | 93.6960% | 1,080 |
| Assets per employee ($millions) | 3.2196% | 5,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0026% | 2,175 |
| Loan loss allowance to noncurrent loans | 40.5457% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 8.3575% | 567 |
| Noncurrent loans to loans | 4.9392% | 1,407 |
| Net loans and leases to total assets | 77.3744% | 1,220 |
| Net loans and leases to deposits | 105.5622% | 415 |
| Net loans and leases to core deposits | 114.8517% | 886 |
| Total domestic deposits to total assets | 73.2974% | 7,063 |
| Equity capital to assets | 11.6769% | 2,297 |
| Core capital (leverage) ratio | 8.6047% | 5,230 |
| Tier 1 risk-based capital ratio | 9.9677% | 7,040 |
| Total risk-based capital ratio | 11.2250% | 7,019 |
| Memoranda: | ||
| Average total assets | $179,449,670 | 3,447 |
| Average earning assets | $146,833,330 | 3,768 |
| Average equity | $21,189,670 | 3,016 |
| Average total loans | $142,317,330 | 2,969 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8395% | 1,352 |
| Cost of funding earning assets | 1.7754% | 1,992 |
| Net interest margin | 4.0641% | 2,593 |
| Noninterest income to average assets | 0.4434% | 4,537 |
| Noninterest expense to average assets | 3.8058% | 1,323 |
| Loan and lease loss provision to assets | 4.6004% | 178 |
| Net operating income to assets | -3.1759% | 7,655 |
| Return on assets (ROA) | -3.1759% | 7,651 |
| Pretax return on assets | -4.6267% | 7,736 |
| Return on Equity (ROE) | -26.7542% | 7,528 |
| Retained earnings to average equity (ytd only) | -26.7542% | 7,489 |
| Net charge-offs to loans | 4.2502% | 308 |
| Credit loss provision to net charge-offs | 136.1923% | 2,598 |
| Earnings coverage of net charge-offs (x) | -0.0078% | 5,031 |
| Efficiency ratio | 100.6969% | 815 |
| Assets per employee ($millions) | 3.5555% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7227% | 2,980 |
| Loan loss allowance to noncurrent loans | 40.7873% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 7.3789% | 701 |
| Noncurrent loans to loans | 4.2236% | 1,821 |
| Net loans and leases to total assets | 76.6083% | 1,414 |
| Net loans and leases to deposits | 115.5759% | 186 |
| Net loans and leases to core deposits | 123.6057% | 656 |
| Total domestic deposits to total assets | 66.2839% | 7,605 |
| Equity capital to assets | 11.5166% | 2,347 |
| Core capital (leverage) ratio | 9.0865% | 4,403 |
| Tier 1 risk-based capital ratio | 10.4620% | 6,665 |
| Total risk-based capital ratio | 11.7163% | 6,655 |
| Memoranda: | ||
| Average total assets | $182,246,500 | 3,467 |
| Average earning assets | $149,603,000 | 3,763 |
| Average equity | $21,634,000 | 2,989 |
| Average total loans | $144,841,500 | 2,985 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9809% | 1,942 |
| Cost of funding earning assets | 1.9011% | 3,457 |
| Net interest margin | 4.0798% | 2,531 |
| Noninterest income to average assets | 0.6105% | 3,548 |
| Noninterest expense to average assets | 3.5211% | 2,325 |
| Loan and lease loss provision to assets | 1.2144% | 1,893 |
| Net operating income to assets | -0.6558% | 6,317 |
| Return on assets (ROA) | -0.4532% | 6,129 |
| Pretax return on assets | -0.4515% | 5,963 |
| Return on Equity (ROE) | -3.7270% | 6,084 |
| Retained earnings to average equity (ytd only) | -5.9605% | 6,143 |
| Net charge-offs to loans | 1.2047% | 2,045 |
| Credit loss provision to net charge-offs | 119.7605% | 4,477 |
| Earnings coverage of net charge-offs (x) | 0.5525% | 5,555 |
| Efficiency ratio | 86.2727% | 2,078 |
| Assets per employee ($millions) | 3.3919% | 5,281 |
| Cash dividends to net income (ytd only)* | -59.9269% | 7,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 4,956 |
| Loan loss allowance to noncurrent loans | 36.8431% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 6.7137% | 782 |
| Noncurrent loans to loans | 3.4382% | 2,213 |
| Net loans and leases to total assets | 79.9589% | 998 |
| Net loans and leases to deposits | 119.6898% | 179 |
| Net loans and leases to core deposits | 138.4115% | 863 |
| Total domestic deposits to total assets | 66.8052% | 7,612 |
| Equity capital to assets | 12.2213% | 1,900 |
| Core capital (leverage) ratio | 9.8044% | 3,320 |
| Tier 1 risk-based capital ratio | 10.8418% | 6,071 |
| Total risk-based capital ratio | 12.0074% | 6,121 |
| Memoranda: | ||
| Average total assets | $181,166,200 | 3,418 |
| Average earning assets | $154,125,200 | 3,634 |
| Average equity | $22,028,200 | 2,941 |
| Average total loans | $152,489,800 | 2,884 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9654% | 2,168 |
| Cost of funding earning assets | 1.9047% | 3,862 |
| Net interest margin | 4.0607% | 2,546 |
| Noninterest income to average assets | 0.6251% | 3,526 |
| Noninterest expense to average assets | 3.5711% | 2,091 |
| Loan and lease loss provision to assets | 0.7749% | 2,437 |
| Net operating income to assets | -0.2167% | 6,093 |
| Return on assets (ROA) | 0.0406% | 5,665 |
| Pretax return on assets | 0.0428% | 5,621 |
| Return on Equity (ROE) | 0.3342% | 5,680 |
| Retained earnings to average equity (ytd only) | -2.6558% | 5,855 |
| Net charge-offs to loans | 0.6270% | 2,802 |
| Credit loss provision to net charge-offs | 145.4294% | 3,345 |
| Earnings coverage of net charge-offs (x) | 1.0263% | 5,026 |
| Efficiency ratio | 86.7204% | 1,991 |
| Assets per employee ($millions) | 3.2443% | 5,534 |
| Cash dividends to net income (ytd only)* | 894.5588% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 4,851 |
| Loan loss allowance to noncurrent loans | 27.3834% | 6,634 |
| Noncurrent assets plus other real estate owned to assets | 5.7937% | 955 |
| Noncurrent loans to loans | 4.5551% | 1,524 |
| Net loans and leases to total assets | 83.3318% | 632 |
| Net loans and leases to deposits | 122.6932% | 161 |
| Net loans and leases to core deposits | 142.2576% | 829 |
| Total domestic deposits to total assets | 67.9188% | 7,585 |
| Equity capital to assets | 12.7068% | 1,829 |
| Core capital (leverage) ratio | 10.1913% | 3,073 |
| Tier 1 risk-based capital ratio | 11.0473% | 5,900 |
| Total risk-based capital ratio | 12.2212% | 5,947 |
| Memoranda: | ||
| Average total assets | $180,666,750 | 3,456 |
| Average earning assets | $155,404,000 | 3,628 |
| Average equity | $21,939,000 | 2,980 |
| Average total loans | $153,528,500 | 2,890 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7883% | 3,103 |
| Cost of funding earning assets | 1.8731% | 4,404 |
| Net interest margin | 3.9152% | 3,040 |
| Noninterest income to average assets | 0.6740% | 3,168 |
| Noninterest expense to average assets | 3.5048% | 2,325 |
| Loan and lease loss provision to assets | 0.3617% | 3,757 |
| Net operating income to assets | 0.1841% | 5,320 |
| Return on assets (ROA) | 0.4658% | 4,347 |
| Pretax return on assets | 0.4680% | 4,724 |
| Return on Equity (ROE) | 3.8934% | 4,539 |
| Retained earnings to average equity (ytd only) | 1.2642% | 4,640 |
| Net charge-offs to loans | 0.3950% | 3,227 |
| Credit loss provision to net charge-offs | 107.4919% | 4,293 |
| Earnings coverage of net charge-offs (x) | 1.6287% | 4,321 |
| Efficiency ratio | 86.4792% | 2,181 |
| Assets per employee ($millions) | 3.3829% | 5,108 |
| Cash dividends to net income (ytd only)* | 67.5294% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 6,427 |
| Loan loss allowance to noncurrent loans | 21.2951% | 7,057 |
| Noncurrent assets plus other real estate owned to assets | 5.0845% | 1,032 |
| Noncurrent loans to loans | 4.5735% | 1,401 |
| Net loans and leases to total assets | 84.1038% | 619 |
| Net loans and leases to deposits | 131.9123% | 104 |
| Net loans and leases to core deposits | 155.2637% | 538 |
| Total domestic deposits to total assets | 63.7573% | 7,840 |
| Equity capital to assets | 11.7314% | 2,365 |
| Core capital (leverage) ratio | 9.3448% | 4,107 |
| Tier 1 risk-based capital ratio | 10.2828% | 6,614 |
| Total risk-based capital ratio | 11.2176% | 6,894 |
| Memoranda: | ||
| Average total assets | $182,492,330 | 3,450 |
| Average earning assets | $157,490,330 | 3,607 |
| Average equity | $21,831,670 | 2,994 |
| Average total loans | $155,427,000 | 2,899 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9196% | 2,702 |
| Cost of funding earning assets | 1.9322% | 4,477 |
| Net interest margin | 3.9873% | 2,694 |
| Noninterest income to average assets | 0.4848% | 4,461 |
| Noninterest expense to average assets | 3.5106% | 2,076 |
| Loan and lease loss provision to assets | 0.1992% | 4,446 |
| Net operating income to assets | 0.2213% | 5,597 |
| Return on assets (ROA) | 0.7902% | 3,334 |
| Pretax return on assets | 0.7924% | 4,101 |
| Return on Equity (ROE) | 6.5403% | 3,805 |
| Retained earnings to average equity (ytd only) | 6.5403% | 2,404 |
| Net charge-offs to loans | 0.5891% | 1,997 |
| Credit loss provision to net charge-offs | 39.6476% | 4,825 |
| Earnings coverage of net charge-offs (x) | 0.8414% | 4,353 |
| Efficiency ratio | 89.2515% | 1,783 |
| Assets per employee ($millions) | 3.1712% | 5,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 6,601 |
| Loan loss allowance to noncurrent loans | 35.0111% | 6,215 |
| Noncurrent assets plus other real estate owned to assets | 3.2080% | 1,726 |
| Noncurrent loans to loans | 2.6613% | 2,467 |
| Net loans and leases to total assets | 84.9573% | 554 |
| Net loans and leases to deposits | 118.1389% | 332 |
| Net loans and leases to core deposits | 140.9892% | 1,063 |
| Total domestic deposits to total assets | 71.9131% | 7,215 |
| Equity capital to assets | 12.4029% | 2,028 |
| Core capital (leverage) ratio | 9.9288% | 3,488 |
| Tier 1 risk-based capital ratio | 10.8854% | 6,007 |
| Total risk-based capital ratio | 11.7862% | 6,270 |
| Memoranda: | ||
| Average total assets | $180,710,000 | 3,496 |
| Average earning assets | $156,295,500 | 3,642 |
| Average equity | $21,834,000 | 2,999 |
| Average total loans | $154,130,500 | 2,939 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7792% | 1,755 |
| Cost of funding earning assets | 2.6629% | 3,351 |
| Net interest margin | 4.1163% | 2,641 |
| Noninterest income to average assets | 0.4293% | 5,219 |
| Noninterest expense to average assets | 3.2339% | 3,210 |
| Loan and lease loss provision to assets | 0.4076% | 3,241 |
| Net operating income to assets | 0.3745% | 5,254 |
| Return on assets (ROA) | 0.5837% | 4,244 |
| Pretax return on assets | 0.5860% | 4,735 |
| Return on Equity (ROE) | 4.9229% | 4,423 |
| Retained earnings to average equity (ytd only) | 3.0864% | 3,238 |
| Net charge-offs to loans | 0.3638% | 3,017 |
| Credit loss provision to net charge-offs | 130.9524% | 4,066 |
| Earnings coverage of net charge-offs (x) | 2.5201% | 4,814 |
| Efficiency ratio | 80.4795% | 2,530 |
| Assets per employee ($millions) | 3.2827% | 5,255 |
| Cash dividends to net income (ytd only)* | 37.3047% | 3,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 6,081 |
| Loan loss allowance to noncurrent loans | 35.2754% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 2.4914% | 1,952 |
| Noncurrent loans to loans | 2.8281% | 1,915 |
| Net loans and leases to total assets | 83.9963% | 888 |
| Net loans and leases to deposits | 127.3470% | 252 |
| Net loans and leases to core deposits | 153.6178% | 731 |
| Total domestic deposits to total assets | 65.9586% | 7,663 |
| Equity capital to assets | 11.7727% | 2,454 |
| Core capital (leverage) ratio | 9.3809% | 4,185 |
| Tier 1 risk-based capital ratio | 10.4370% | 6,280 |
| Total risk-based capital ratio | 11.4042% | 6,431 |
| Memoranda: | ||
| Average total assets | $175,421,200 | 3,468 |
| Average earning assets | $152,954,200 | 3,598 |
| Average equity | $20,800,800 | 3,120 |
| Average total loans | $150,077,400 | 2,929 |