Home > Santa Clara Valley Bank > Performance and Condition Ratios
Santa Clara Valley Bank, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6485% | 5,005 |
| Cost of funding earning assets | 0.1772% | 6,013 |
| Net interest margin | 3.4714% | 3,935 |
| Noninterest income to average assets | 0.6296% | 2,691 |
| Noninterest expense to average assets | 4.2027% | 610 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.3777% | 6,333 |
| Return on assets (ROA) | -0.3798% | 6,337 |
| Pretax return on assets | -0.3798% | 6,323 |
| Return on Equity (ROE) | -3.5529% | 6,336 |
| Retained earnings to average equity (ytd only) | -3.5529% | 6,183 |
| Net charge-offs to loans | 0.0168% | 4,203 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -45.7348% | 4,676 |
| Efficiency ratio | 109.8759% | 219 |
| Assets per employee ($millions) | 3.2348% | 5,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8384% | 1,606 |
| Loan loss allowance to noncurrent loans | 448.0769% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 5,418 |
| Noncurrent loans to loans | 0.4103% | 4,673 |
| Net loans and leases to total assets | 48.0752% | 5,196 |
| Net loans and leases to deposits | 57.9632% | 5,102 |
| Net loans and leases to core deposits | 59.1173% | 5,254 |
| Total domestic deposits to total assets | 82.9409% | 4,169 |
| Equity capital to assets | 10.6824% | 3,327 |
| Core capital (leverage) ratio | 11.0588% | 2,426 |
| Tier 1 risk-based capital ratio | 19.8756% | 1,704 |
| Total risk-based capital ratio | 21.1313% | 1,673 |
| Memoranda: | ||
| Average total assets | $129,184,250 | 4,024 |
| Average earning assets | $118,912,000 | 4,019 |
| Average equity | $13,810,000 | 4,075 |
| Average total loans | $63,612,500 | 4,413 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7316% | 4,759 |
| Cost of funding earning assets | 0.1840% | 6,041 |
| Net interest margin | 3.5476% | 3,586 |
| Noninterest income to average assets | 0.6304% | 2,651 |
| Noninterest expense to average assets | 4.0816% | 695 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1967% | 6,319 |
| Return on assets (ROA) | -0.1998% | 6,332 |
| Pretax return on assets | -0.1998% | 6,313 |
| Return on Equity (ROE) | -1.8688% | 6,324 |
| Retained earnings to average equity (ytd only) | -1.8688% | 5,976 |
| Net charge-offs to loans | 0.0440% | 3,351 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -9.0714% | 4,309 |
| Efficiency ratio | 105.0638% | 308 |
| Assets per employee ($millions) | 3.3776% | 5,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8720% | 1,648 |
| Loan loss allowance to noncurrent loans | 413.9286% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 5,461 |
| Noncurrent loans to loans | 0.4523% | 4,633 |
| Net loans and leases to total assets | 47.3331% | 5,232 |
| Net loans and leases to deposits | 57.2748% | 5,097 |
| Net loans and leases to core deposits | 58.3296% | 5,248 |
| Total domestic deposits to total assets | 82.6420% | 4,434 |
| Equity capital to assets | 10.8781% | 3,002 |
| Core capital (leverage) ratio | 11.4130% | 2,075 |
| Tier 1 risk-based capital ratio | 20.6045% | 1,542 |
| Total risk-based capital ratio | 21.8603% | 1,516 |
| Memoranda: | ||
| Average total assets | $129,115,330 | 4,050 |
| Average earning assets | $118,446,670 | 4,052 |
| Average equity | $13,806,000 | 4,080 |
| Average total loans | $63,693,330 | 4,436 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6085% | 5,147 |
| Cost of funding earning assets | 0.1956% | 6,037 |
| Net interest margin | 3.4129% | 4,063 |
| Noninterest income to average assets | 0.6332% | 2,553 |
| Noninterest expense to average assets | 4.1452% | 643 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.3861% | 6,428 |
| Return on assets (ROA) | -0.3923% | 6,432 |
| Pretax return on assets | -0.3923% | 6,425 |
| Return on Equity (ROE) | -3.7005% | 6,434 |
| Retained earnings to average equity (ytd only) | -3.7005% | 6,032 |
| Net charge-offs to loans | 0.1115% | 2,064 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -6.9444% | 3,588 |
| Efficiency ratio | 110.2712% | 259 |
| Assets per employee ($millions) | 3.3464% | 5,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8352% | 1,945 |
| Loan loss allowance to noncurrent loans | 186.2903% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.4876% | 4,677 |
| Noncurrent loans to loans | 0.9851% | 3,454 |
| Net loans and leases to total assets | 48.5849% | 5,051 |
| Net loans and leases to deposits | 58.7069% | 4,872 |
| Net loans and leases to core deposits | 59.7956% | 5,058 |
| Total domestic deposits to total assets | 82.7583% | 4,684 |
| Equity capital to assets | 10.6997% | 3,042 |
| Core capital (leverage) ratio | 11.1155% | 2,287 |
| Tier 1 risk-based capital ratio | 20.3588% | 1,629 |
| Total risk-based capital ratio | 21.6138% | 1,596 |
| Memoranda: | ||
| Average total assets | $129,498,000 | 4,080 |
| Average earning assets | $118,608,000 | 4,079 |
| Average equity | $13,728,000 | 4,098 |
| Average total loans | $64,584,500 | 4,444 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0877% | 3,785 |
| Cost of funding earning assets | 0.3201% | 5,424 |
| Net interest margin | 3.7676% | 2,772 |
| Noninterest income to average assets | 0.6735% | 2,683 |
| Noninterest expense to average assets | 4.0823% | 795 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.1182% | 6,319 |
| Return on assets (ROA) | -0.1144% | 6,333 |
| Pretax return on assets | 0.0546% | 6,149 |
| Return on Equity (ROE) | -1.0600% | 6,330 |
| Retained earnings to average equity (ytd only) | -1.0600% | 6,073 |
| Net charge-offs to loans | 0.3539% | 1,908 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.2778% | 4,992 |
| Efficiency ratio | 98.8237% | 519 |
| Assets per employee ($millions) | 3.5631% | 4,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7710% | 2,159 |
| Loan loss allowance to noncurrent loans | 85.6204% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.0392% | 3,345 |
| Noncurrent loans to loans | 2.0685% | 1,917 |
| Net loans and leases to total assets | 49.3496% | 5,151 |
| Net loans and leases to deposits | 58.2762% | 5,101 |
| Net loans and leases to core deposits | 59.2453% | 5,278 |
| Total domestic deposits to total assets | 84.6821% | 3,896 |
| Equity capital to assets | 10.5057% | 3,149 |
| Core capital (leverage) ratio | 10.8358% | 2,540 |
| Tier 1 risk-based capital ratio | 20.0925% | 1,634 |
| Total risk-based capital ratio | 21.3478% | 1,603 |
| Memoranda: | ||
| Average total assets | $133,773,600 | 4,000 |
| Average earning assets | $122,758,400 | 3,996 |
| Average equity | $14,434,200 | 3,981 |
| Average total loans | $66,121,600 | 4,410 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9369% | 4,363 |
| Cost of funding earning assets | 0.3355% | 5,429 |
| Net interest margin | 3.6014% | 3,441 |
| Noninterest income to average assets | 0.6852% | 2,700 |
| Noninterest expense to average assets | 4.1133% | 757 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.1231% | 6,405 |
| Return on assets (ROA) | -0.1152% | 6,431 |
| Pretax return on assets | -0.1152% | 6,412 |
| Return on Equity (ROE) | -1.0607% | 6,431 |
| Retained earnings to average equity (ytd only) | -1.0607% | 6,144 |
| Net charge-offs to loans | 0.2219% | 2,480 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.1273% | 5,027 |
| Efficiency ratio | 103.0861% | 376 |
| Assets per employee ($millions) | 3.5842% | 4,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9770% | 1,780 |
| Loan loss allowance to noncurrent loans | 191.8639% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.4963% | 4,953 |
| Noncurrent loans to loans | 1.0304% | 3,741 |
| Net loans and leases to total assets | 47.2159% | 5,426 |
| Net loans and leases to deposits | 55.3640% | 5,427 |
| Net loans and leases to core deposits | 56.3448% | 5,594 |
| Total domestic deposits to total assets | 85.2827% | 3,591 |
| Equity capital to assets | 10.3091% | 3,497 |
| Core capital (leverage) ratio | 10.9507% | 2,529 |
| Tier 1 risk-based capital ratio | 20.4385% | 1,615 |
| Total risk-based capital ratio | 21.6954% | 1,585 |
| Memoranda: | ||
| Average total assets | $134,258,750 | 4,028 |
| Average earning assets | $123,208,000 | 4,028 |
| Average equity | $14,580,250 | 3,992 |
| Average total loans | $66,094,000 | 4,447 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9959% | 4,127 |
| Cost of funding earning assets | 0.3482% | 5,424 |
| Net interest margin | 3.6477% | 3,185 |
| Noninterest income to average assets | 0.6975% | 2,653 |
| Noninterest expense to average assets | 4.2017% | 694 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1482% | 6,452 |
| Return on assets (ROA) | -0.1362% | 6,488 |
| Pretax return on assets | -0.1362% | 6,456 |
| Return on Equity (ROE) | -1.2331% | 6,472 |
| Retained earnings to average equity (ytd only) | -1.2331% | 6,081 |
| Net charge-offs to loans | 0.4890% | 1,341 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.6111% | 4,674 |
| Efficiency ratio | 103.6558% | 388 |
| Assets per employee ($millions) | 3.4297% | 4,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9214% | 2,049 |
| Loan loss allowance to noncurrent loans | 167.4293% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.5555% | 4,866 |
| Noncurrent loans to loans | 1.1476% | 3,634 |
| Net loans and leases to total assets | 47.4753% | 5,375 |
| Net loans and leases to deposits | 56.0506% | 5,339 |
| Net loans and leases to core deposits | 57.0733% | 5,520 |
| Total domestic deposits to total assets | 84.7007% | 4,038 |
| Equity capital to assets | 10.7597% | 2,987 |
| Core capital (leverage) ratio | 11.0574% | 2,299 |
| Tier 1 risk-based capital ratio | 20.8350% | 1,532 |
| Total risk-based capital ratio | 22.0928% | 1,501 |
| Memoranda: | ||
| Average total assets | $133,611,670 | 4,065 |
| Average earning assets | $122,926,000 | 4,063 |
| Average equity | $14,760,000 | 3,994 |
| Average total loans | $66,257,000 | 4,458 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0164% | 4,051 |
| Cost of funding earning assets | 0.3737% | 5,333 |
| Net interest margin | 3.6427% | 3,100 |
| Noninterest income to average assets | 0.5931% | 3,175 |
| Noninterest expense to average assets | 4.2445% | 667 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2935% | 6,573 |
| Return on assets (ROA) | -0.2696% | 6,590 |
| Pretax return on assets | -0.2696% | 6,584 |
| Return on Equity (ROE) | -2.4090% | 6,582 |
| Retained earnings to average equity (ytd only) | -2.4090% | 6,127 |
| Net charge-offs to loans | 0.4298% | 1,381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -1.3611% | 3,985 |
| Efficiency ratio | 107.4299% | 368 |
| Assets per employee ($millions) | 3.3278% | 5,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0530% | 1,911 |
| Loan loss allowance to noncurrent loans | 169.8473% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 1.1989% | 3,573 |
| Noncurrent loans to loans | 1.2087% | 3,751 |
| Net loans and leases to total assets | 49.0750% | 5,105 |
| Net loans and leases to deposits | 58.6047% | 4,959 |
| Net loans and leases to core deposits | 60.0281% | 5,148 |
| Total domestic deposits to total assets | 83.7390% | 4,577 |
| Equity capital to assets | 11.4476% | 2,460 |
| Core capital (leverage) ratio | 10.8957% | 2,356 |
| Tier 1 risk-based capital ratio | 20.6082% | 1,635 |
| Total risk-based capital ratio | 21.8663% | 1,600 |
| Memoranda: | ||
| Average total assets | $133,538,500 | 4,110 |
| Average earning assets | $123,096,500 | 4,089 |
| Average equity | $14,944,000 | 4,007 |
| Average total loans | $67,012,500 | 4,454 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4920% | 3,428 |
| Cost of funding earning assets | 0.4414% | 5,642 |
| Net interest margin | 4.0505% | 2,198 |
| Noninterest income to average assets | 0.5960% | 3,302 |
| Noninterest expense to average assets | 4.0239% | 952 |
| Loan and lease loss provision to assets | 0.0569% | 5,068 |
| Net operating income to assets | 0.2790% | 5,547 |
| Return on assets (ROA) | 0.4231% | 5,252 |
| Pretax return on assets | 0.4231% | 5,514 |
| Return on Equity (ROE) | 3.7659% | 5,244 |
| Retained earnings to average equity (ytd only) | 3.7659% | 3,559 |
| Net charge-offs to loans | 0.8093% | 1,445 |
| Credit loss provision to net charge-offs | 12.7551% | 5,368 |
| Earnings coverage of net charge-offs (x) | 0.7534% | 5,102 |
| Efficiency ratio | 92.2957% | 895 |
| Assets per employee ($millions) | 3.8137% | 4,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0392% | 1,919 |
| Loan loss allowance to noncurrent loans | 105.3144% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 1.5339% | 3,086 |
| Noncurrent loans to loans | 1.9363% | 2,763 |
| Net loans and leases to total assets | 49.2316% | 5,276 |
| Net loans and leases to deposits | 58.7629% | 5,155 |
| Net loans and leases to core deposits | 60.5202% | 5,319 |
| Total domestic deposits to total assets | 83.7801% | 4,413 |
| Equity capital to assets | 10.9480% | 3,014 |
| Core capital (leverage) ratio | 10.6762% | 2,572 |
| Tier 1 risk-based capital ratio | 19.9926% | 1,680 |
| Total risk-based capital ratio | 21.2522% | 1,653 |
| Memoranda: | ||
| Average total assets | $131,888,200 | 4,106 |
| Average earning assets | $122,552,000 | 4,053 |
| Average equity | $14,817,200 | 4,005 |
| Average total loans | $72,657,400 | 4,246 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6568% | 2,982 |
| Cost of funding earning assets | 0.4522% | 5,778 |
| Net interest margin | 4.2046% | 1,723 |
| Noninterest income to average assets | 0.5761% | 3,436 |
| Noninterest expense to average assets | 4.0458% | 881 |
| Loan and lease loss provision to assets | 0.0766% | 4,684 |
| Net operating income to assets | 0.3575% | 5,408 |
| Return on assets (ROA) | 0.5454% | 4,903 |
| Pretax return on assets | 0.5454% | 5,328 |
| Return on Equity (ROE) | 4.8225% | 4,910 |
| Retained earnings to average equity (ytd only) | 4.8225% | 3,494 |
| Net charge-offs to loans | 0.9261% | 1,169 |
| Credit loss provision to net charge-offs | 14.6771% | 5,022 |
| Earnings coverage of net charge-offs (x) | 0.8317% | 4,913 |
| Efficiency ratio | 90.3101% | 1,018 |
| Assets per employee ($millions) | 3.9841% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0711% | 1,977 |
| Loan loss allowance to noncurrent loans | 94.7235% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.7297% | 3,014 |
| Noncurrent loans to loans | 2.1865% | 2,636 |
| Net loans and leases to total assets | 52.0110% | 5,043 |
| Net loans and leases to deposits | 62.3197% | 4,929 |
| Net loans and leases to core deposits | 64.1567% | 5,133 |
| Total domestic deposits to total assets | 83.4583% | 4,454 |
| Equity capital to assets | 11.1496% | 3,092 |
| Core capital (leverage) ratio | 10.9527% | 2,441 |
| Tier 1 risk-based capital ratio | 19.3181% | 1,919 |
| Total risk-based capital ratio | 20.5782% | 1,888 |
| Memoranda: | ||
| Average total assets | $130,536,750 | 4,172 |
| Average earning assets | $121,196,500 | 4,127 |
| Average equity | $14,763,750 | 4,053 |
| Average total loans | $73,572,000 | 4,273 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8256% | 2,405 |
| Cost of funding earning assets | 0.4675% | 5,844 |
| Net interest margin | 4.3581% | 1,313 |
| Noninterest income to average assets | 0.6393% | 3,010 |
| Noninterest expense to average assets | 4.1025% | 835 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5726% | 4,484 |
| Return on assets (ROA) | 0.5850% | 4,692 |
| Pretax return on assets | 0.5850% | 5,191 |
| Return on Equity (ROE) | 5.1465% | 4,735 |
| Retained earnings to average equity (ytd only) | 5.1465% | 3,190 |
| Net charge-offs to loans | 0.7799% | 1,410 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.2768% | 4,372 |
| Efficiency ratio | 87.7531% | 1,254 |
| Assets per employee ($millions) | 3.7697% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2128% | 1,739 |
| Loan loss allowance to noncurrent loans | 165.2525% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 1.4676% | 3,502 |
| Noncurrent loans to loans | 1.3391% | 3,917 |
| Net loans and leases to total assets | 56.4068% | 4,404 |
| Net loans and leases to deposits | 68.2360% | 4,158 |
| Net loans and leases to core deposits | 70.3946% | 4,486 |
| Total domestic deposits to total assets | 82.6643% | 4,884 |
| Equity capital to assets | 11.6596% | 2,445 |
| Core capital (leverage) ratio | 11.0798% | 2,228 |
| Tier 1 risk-based capital ratio | 18.5369% | 2,120 |
| Total risk-based capital ratio | 19.7977% | 2,076 |
| Memoranda: | ||
| Average total assets | $128,896,330 | 4,233 |
| Average earning assets | $119,364,000 | 4,185 |
| Average equity | $14,650,670 | 4,060 |
| Average total loans | $74,115,000 | 4,274 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6799% | 3,131 |
| Cost of funding earning assets | 0.4756% | 5,975 |
| Net interest margin | 4.2042% | 1,749 |
| Noninterest income to average assets | 0.6313% | 3,050 |
| Noninterest expense to average assets | 3.9950% | 941 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5477% | 4,607 |
| Return on assets (ROA) | 0.5601% | 4,764 |
| Pretax return on assets | 0.5601% | 5,239 |
| Return on Equity (ROE) | 4.9917% | 4,788 |
| Retained earnings to average equity (ytd only) | 4.9917% | 3,564 |
| Net charge-offs to loans | 1.6387% | 595 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.5822% | 4,045 |
| Efficiency ratio | 87.9428% | 1,289 |
| Assets per employee ($millions) | 3.8838% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2120% | 1,860 |
| Loan loss allowance to noncurrent loans | 62.8926% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 2.5362% | 2,331 |
| Noncurrent loans to loans | 3.5171% | 1,775 |
| Net loans and leases to total assets | 54.3014% | 4,672 |
| Net loans and leases to deposits | 64.9643% | 4,493 |
| Net loans and leases to core deposits | 67.0617% | 4,788 |
| Total domestic deposits to total assets | 83.5865% | 4,681 |
| Equity capital to assets | 11.0329% | 2,862 |
| Core capital (leverage) ratio | 11.2731% | 2,056 |
| Tier 1 risk-based capital ratio | 18.5607% | 2,126 |
| Total risk-based capital ratio | 19.8225% | 2,089 |
| Memoranda: | ||
| Average total assets | $129,260,000 | 4,252 |
| Average earning assets | $120,260,000 | 4,188 |
| Average equity | $14,504,000 | 4,097 |
| Average total loans | $74,206,500 | 4,306 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8840% | 3,434 |
| Cost of funding earning assets | 0.6031% | 6,078 |
| Net interest margin | 4.2809% | 1,767 |
| Noninterest income to average assets | 0.3393% | 5,103 |
| Noninterest expense to average assets | 4.0421% | 976 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2645% | 5,389 |
| Return on assets (ROA) | 0.3308% | 5,298 |
| Pretax return on assets | 0.3500% | 5,425 |
| Return on Equity (ROE) | 3.1626% | 5,222 |
| Retained earnings to average equity (ytd only) | 3.1626% | 3,970 |
| Net charge-offs to loans | 0.8011% | 2,159 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 0.5803% | 5,395 |
| Efficiency ratio | 93.5180% | 956 |
| Assets per employee ($millions) | 3.8324% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5651% | 1,231 |
| Loan loss allowance to noncurrent loans | 49.3846% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 3.2292% | 1,849 |
| Noncurrent loans to loans | 5.1940% | 1,057 |
| Net loans and leases to total assets | 57.8477% | 4,394 |
| Net loans and leases to deposits | 69.6013% | 4,170 |
| Net loans and leases to core deposits | 72.5606% | 4,429 |
| Total domestic deposits to total assets | 83.1130% | 4,705 |
| Equity capital to assets | 11.4169% | 2,579 |
| Core capital (leverage) ratio | 10.8881% | 2,361 |
| Tier 1 risk-based capital ratio | 18.0052% | 2,185 |
| Total risk-based capital ratio | 19.2708% | 2,158 |
| Memoranda: | ||
| Average total assets | $130,280,000 | 4,165 |
| Average earning assets | $121,213,200 | 4,109 |
| Average equity | $13,628,200 | 4,205 |
| Average total loans | $78,520,000 | 4,190 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9263% | 3,447 |
| Cost of funding earning assets | 0.6254% | 6,153 |
| Net interest margin | 4.3010% | 1,713 |
| Noninterest income to average assets | 0.4033% | 4,641 |
| Noninterest expense to average assets | 4.0690% | 926 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3312% | 5,289 |
| Return on assets (ROA) | 0.3912% | 5,224 |
| Pretax return on assets | 0.3912% | 5,499 |
| Return on Equity (ROE) | 3.8235% | 5,065 |
| Retained earnings to average equity (ytd only) | 3.8235% | 4,003 |
| Net charge-offs to loans | 0.4686% | 2,861 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1.1685% | 4,747 |
| Efficiency ratio | 92.4729% | 999 |
| Assets per employee ($millions) | 3.9314% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1127% | 790 |
| Loan loss allowance to noncurrent loans | 62.1858% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 3.1256% | 2,046 |
| Noncurrent loans to loans | 5.0055% | 1,244 |
| Net loans and leases to total assets | 54.6055% | 5,069 |
| Net loans and leases to deposits | 65.4905% | 4,973 |
| Net loans and leases to core deposits | 68.4659% | 5,122 |
| Total domestic deposits to total assets | 83.3793% | 4,529 |
| Equity capital to assets | 11.2729% | 2,890 |
| Core capital (leverage) ratio | 10.9983% | 2,390 |
| Tier 1 risk-based capital ratio | 18.2586% | 2,168 |
| Total risk-based capital ratio | 19.5299% | 2,122 |
| Memoranda: | ||
| Average total assets | $131,232,500 | 4,174 |
| Average earning assets | $121,954,250 | 4,111 |
| Average equity | $13,425,500 | 4,262 |
| Average total loans | $79,378,500 | 4,193 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9977% | 3,170 |
| Cost of funding earning assets | 0.6510% | 6,228 |
| Net interest margin | 4.3468% | 1,520 |
| Noninterest income to average assets | 0.4206% | 4,508 |
| Noninterest expense to average assets | 4.1144% | 898 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3613% | 5,122 |
| Return on assets (ROA) | 0.3705% | 5,225 |
| Pretax return on assets | 0.3705% | 5,482 |
| Return on Equity (ROE) | 3.7464% | 5,042 |
| Retained earnings to average equity (ytd only) | 3.7464% | 3,831 |
| Net charge-offs to loans | 1.1195% | 1,405 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.5219% | 4,917 |
| Efficiency ratio | 91.9267% | 1,099 |
| Assets per employee ($millions) | 3.6104% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7335% | 1,145 |
| Loan loss allowance to noncurrent loans | 61.8262% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 3.0404% | 2,213 |
| Noncurrent loans to loans | 4.4213% | 1,514 |
| Net loans and leases to total assets | 59.1059% | 4,442 |
| Net loans and leases to deposits | 70.8843% | 4,310 |
| Net loans and leases to core deposits | 74.6186% | 4,494 |
| Total domestic deposits to total assets | 83.3836% | 4,592 |
| Equity capital to assets | 11.0721% | 2,885 |
| Core capital (leverage) ratio | 10.8130% | 2,411 |
| Tier 1 risk-based capital ratio | 17.6893% | 2,272 |
| Total risk-based capital ratio | 18.9575% | 2,229 |
| Memoranda: | ||
| Average total assets | $131,731,330 | 4,190 |
| Average earning assets | $122,895,330 | 4,128 |
| Average equity | $13,025,670 | 4,339 |
| Average total loans | $81,465,000 | 4,166 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9228% | 3,462 |
| Cost of funding earning assets | 0.6827% | 6,237 |
| Net interest margin | 4.2400% | 1,784 |
| Noninterest income to average assets | 0.3839% | 4,841 |
| Noninterest expense to average assets | 3.9489% | 1,102 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3898% | 4,995 |
| Return on assets (ROA) | 0.3898% | 5,084 |
| Pretax return on assets | 0.3898% | 5,372 |
| Return on Equity (ROE) | 4.1776% | 4,810 |
| Retained earnings to average equity (ytd only) | 4.1776% | 3,657 |
| Net charge-offs to loans | 0.7685% | 1,674 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.8137% | 4,031 |
| Efficiency ratio | 91.0151% | 1,241 |
| Assets per employee ($millions) | 4.0138% | 3,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9066% | 998 |
| Loan loss allowance to noncurrent loans | 58.7629% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 3.6842% | 1,839 |
| Noncurrent loans to loans | 4.9464% | 1,369 |
| Net loans and leases to total assets | 60.3740% | 4,193 |
| Net loans and leases to deposits | 72.4679% | 3,990 |
| Net loans and leases to core deposits | 76.9317% | 4,168 |
| Total domestic deposits to total assets | 83.3114% | 4,789 |
| Equity capital to assets | 9.9074% | 3,894 |
| Core capital (leverage) ratio | 10.3693% | 2,742 |
| Tier 1 risk-based capital ratio | 16.2955% | 2,764 |
| Total risk-based capital ratio | 17.5625% | 2,713 |
| Memoranda: | ||
| Average total assets | $134,415,500 | 4,165 |
| Average earning assets | $125,376,500 | 4,114 |
| Average equity | $12,543,000 | 4,432 |
| Average total loans | $83,804,000 | 4,139 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0907% | 4,130 |
| Cost of funding earning assets | 0.9162% | 6,100 |
| Net interest margin | 4.1745% | 2,277 |
| Noninterest income to average assets | 0.3523% | 5,285 |
| Noninterest expense to average assets | 3.8888% | 1,335 |
| Loan and lease loss provision to assets | 0.6524% | 2,530 |
| Net operating income to assets | -0.4472% | 6,349 |
| Return on assets (ROA) | -0.4117% | 6,353 |
| Pretax return on assets | -0.2595% | 6,132 |
| Return on Equity (ROE) | -4.6216% | 6,404 |
| Retained earnings to average equity (ytd only) | -4.9470% | 6,294 |
| Net charge-offs to loans | 1.7653% | 1,201 |
| Credit loss provision to net charge-offs | 54.3150% | 6,191 |
| Earnings coverage of net charge-offs (x) | 0.2975% | 5,809 |
| Efficiency ratio | 91.5842% | 1,210 |
| Assets per employee ($millions) | 4.0110% | 3,762 |
| Cash dividends to net income (ytd only)* | -7.0423% | 7,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9972% | 868 |
| Loan loss allowance to noncurrent loans | 64.1154% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 4.4964% | 1,489 |
| Noncurrent loans to loans | 4.6748% | 1,494 |
| Net loans and leases to total assets | 60.6343% | 4,558 |
| Net loans and leases to deposits | 72.4296% | 4,438 |
| Net loans and leases to core deposits | 77.9418% | 4,464 |
| Total domestic deposits to total assets | 83.7148% | 4,498 |
| Equity capital to assets | 8.7721% | 5,480 |
| Core capital (leverage) ratio | 9.0099% | 4,533 |
| Tier 1 risk-based capital ratio | 14.2412% | 3,721 |
| Total risk-based capital ratio | 15.5150% | 3,657 |
| Memoranda: | ||
| Average total assets | $137,961,200 | 4,095 |
| Average earning assets | $128,685,400 | 4,048 |
| Average equity | $12,290,200 | 4,532 |
| Average total loans | $93,864,000 | 3,957 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1064% | 4,284 |
| Cost of funding earning assets | 0.9700% | 6,079 |
| Net interest margin | 4.1363% | 2,459 |
| Noninterest income to average assets | 0.4442% | 4,605 |
| Noninterest expense to average assets | 3.8151% | 1,354 |
| Loan and lease loss provision to assets | 0.8673% | 1,752 |
| Net operating income to assets | -0.3806% | 6,501 |
| Return on assets (ROA) | -0.3334% | 6,508 |
| Pretax return on assets | -0.3325% | 6,434 |
| Return on Equity (ROE) | -3.7287% | 6,552 |
| Retained earnings to average equity (ytd only) | -4.1598% | 6,475 |
| Net charge-offs to loans | 2.1995% | 819 |
| Credit loss provision to net charge-offs | 56.8182% | 5,766 |
| Earnings coverage of net charge-offs (x) | 0.3194% | 5,710 |
| Efficiency ratio | 88.6674% | 1,393 |
| Assets per employee ($millions) | 4.0362% | 3,757 |
| Cash dividends to net income (ytd only)* | -11.5603% | 7,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9020% | 902 |
| Loan loss allowance to noncurrent loans | 63.4170% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 4.6957% | 1,403 |
| Noncurrent loans to loans | 4.5761% | 1,568 |
| Net loans and leases to total assets | 64.0737% | 4,111 |
| Net loans and leases to deposits | 76.2498% | 4,134 |
| Net loans and leases to core deposits | 87.3143% | 3,468 |
| Total domestic deposits to total assets | 84.0313% | 4,114 |
| Equity capital to assets | 9.4454% | 4,926 |
| Core capital (leverage) ratio | 9.0912% | 4,541 |
| Tier 1 risk-based capital ratio | 13.5113% | 4,203 |
| Total risk-based capital ratio | 14.7808% | 4,130 |
| Memoranda: | ||
| Average total assets | $138,357,750 | 4,141 |
| Average earning assets | $129,064,250 | 4,087 |
| Average equity | $12,372,000 | 4,580 |
| Average total loans | $96,018,750 | 3,969 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0992% | 4,459 |
| Cost of funding earning assets | 1.0195% | 6,056 |
| Net interest margin | 4.0796% | 2,655 |
| Noninterest income to average assets | 0.4325% | 4,663 |
| Noninterest expense to average assets | 3.7453% | 1,461 |
| Loan and lease loss provision to assets | 1.1533% | 1,239 |
| Net operating income to assets | -0.6531% | 6,781 |
| Return on assets (ROA) | -0.5853% | 6,760 |
| Pretax return on assets | -0.5853% | 6,651 |
| Return on Equity (ROE) | -6.6692% | 6,812 |
| Retained earnings to average equity (ytd only) | -7.3263% | 6,767 |
| Net charge-offs to loans | 2.9661% | 538 |
| Credit loss provision to net charge-offs | 55.1344% | 5,316 |
| Earnings coverage of net charge-offs (x) | 0.2391% | 5,491 |
| Efficiency ratio | 88.2173% | 1,489 |
| Assets per employee ($millions) | 3.9977% | 3,776 |
| Cash dividends to net income (ytd only)* | -9.8522% | 7,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8621% | 943 |
| Loan loss allowance to noncurrent loans | 51.3409% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 5.1923% | 1,220 |
| Noncurrent loans to loans | 5.5746% | 1,181 |
| Net loans and leases to total assets | 64.5478% | 4,149 |
| Net loans and leases to deposits | 75.4654% | 4,427 |
| Net loans and leases to core deposits | 92.7953% | 2,877 |
| Total domestic deposits to total assets | 85.5330% | 3,356 |
| Equity capital to assets | 8.8816% | 5,628 |
| Core capital (leverage) ratio | 9.0415% | 4,541 |
| Tier 1 risk-based capital ratio | 12.9197% | 4,514 |
| Total risk-based capital ratio | 14.1883% | 4,455 |
| Memoranda: | ||
| Average total assets | $138,733,330 | 4,162 |
| Average earning assets | $129,668,670 | 4,096 |
| Average equity | $12,175,330 | 4,633 |
| Average total loans | $97,839,330 | 3,968 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2378% | 3,841 |
| Cost of funding earning assets | 1.0717% | 6,031 |
| Net interest margin | 4.1661% | 2,167 |
| Noninterest income to average assets | 0.0927% | 7,246 |
| Noninterest expense to average assets | 3.6427% | 1,630 |
| Loan and lease loss provision to assets | 0.8687% | 1,471 |
| Net operating income to assets | -0.5241% | 6,844 |
| Return on assets (ROA) | -0.5241% | 6,872 |
| Pretax return on assets | -0.5241% | 6,802 |
| Return on Equity (ROE) | -6.0085% | 6,941 |
| Retained earnings to average equity (ytd only) | -7.3364% | 6,774 |
| Net charge-offs to loans | 2.9281% | 529 |
| Credit loss provision to net charge-offs | 40.8719% | 4,628 |
| Earnings coverage of net charge-offs (x) | 0.1621% | 4,889 |
| Efficiency ratio | 91.3580% | 1,324 |
| Assets per employee ($millions) | 4.0172% | 3,829 |
| Cash dividends to net income (ytd only)* | -22.0994% | 7,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9545% | 854 |
| Loan loss allowance to noncurrent loans | 46.0849% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 4.9010% | 1,326 |
| Noncurrent loans to loans | 6.4109% | 981 |
| Net loans and leases to total assets | 69.2131% | 3,108 |
| Net loans and leases to deposits | 81.5898% | 3,355 |
| Net loans and leases to core deposits | 86.7746% | 3,792 |
| Total domestic deposits to total assets | 84.8306% | 3,749 |
| Equity capital to assets | 9.2925% | 4,846 |
| Core capital (leverage) ratio | 9.1376% | 4,315 |
| Tier 1 risk-based capital ratio | 12.8931% | 4,409 |
| Total risk-based capital ratio | 14.1685% | 4,370 |
| Memoranda: | ||
| Average total assets | $138,141,000 | 4,228 |
| Average earning assets | $129,139,000 | 4,168 |
| Average equity | $12,049,500 | 4,709 |
| Average total loans | $100,271,500 | 3,956 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6754% | 3,227 |
| Cost of funding earning assets | 1.4155% | 5,865 |
| Net interest margin | 4.2599% | 1,855 |
| Noninterest income to average assets | 0.5754% | 3,818 |
| Noninterest expense to average assets | 3.8587% | 1,573 |
| Loan and lease loss provision to assets | 3.1652% | 526 |
| Net operating income to assets | -2.1899% | 7,161 |
| Return on assets (ROA) | -2.1899% | 7,158 |
| Pretax return on assets | -2.4490% | 7,132 |
| Return on Equity (ROE) | -24.0304% | 7,263 |
| Retained earnings to average equity (ytd only) | -24.9887% | 7,261 |
| Net charge-offs to loans | 2.5312% | 910 |
| Credit loss provision to net charge-offs | 161.3543% | 2,750 |
| Earnings coverage of net charge-offs (x) | 0.3651% | 5,751 |
| Efficiency ratio | 84.3439% | 2,310 |
| Assets per employee ($millions) | 3.9914% | 3,829 |
| Cash dividends to net income (ytd only)* | -3.9879% | 7,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2114% | 653 |
| Loan loss allowance to noncurrent loans | 70.4981% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 3.5455% | 1,890 |
| Noncurrent loans to loans | 4.5554% | 1,550 |
| Net loans and leases to total assets | 71.4534% | 2,895 |
| Net loans and leases to deposits | 82.3263% | 3,569 |
| Net loans and leases to core deposits | 122.5269% | 1,744 |
| Total domestic deposits to total assets | 86.7929% | 2,612 |
| Equity capital to assets | 8.1655% | 6,383 |
| Core capital (leverage) ratio | 8.1535% | 5,900 |
| Tier 1 risk-based capital ratio | 11.0391% | 5,887 |
| Total risk-based capital ratio | 12.3133% | 5,824 |
| Memoranda: | ||
| Average total assets | $136,262,000 | 4,206 |
| Average earning assets | $127,937,200 | 4,132 |
| Average equity | $12,417,600 | 4,651 |
| Average total loans | $105,600,800 | 3,792 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6311% | 3,683 |
| Cost of funding earning assets | 1.4572% | 6,015 |
| Net interest margin | 4.1739% | 2,139 |
| Noninterest income to average assets | 0.6243% | 3,533 |
| Noninterest expense to average assets | 3.7753% | 1,646 |
| Loan and lease loss provision to assets | 2.9639% | 504 |
| Net operating income to assets | -1.7626% | 7,217 |
| Return on assets (ROA) | -1.7626% | 7,219 |
| Pretax return on assets | -2.1890% | 7,248 |
| Return on Equity (ROE) | -18.8363% | 7,335 |
| Retained earnings to average equity (ytd only) | -19.6781% | 7,327 |
| Net charge-offs to loans | 2.2230% | 865 |
| Credit loss provision to net charge-offs | 169.9605% | 2,743 |
| Earnings coverage of net charge-offs (x) | 0.4444% | 5,582 |
| Efficiency ratio | 82.9691% | 2,433 |
| Assets per employee ($millions) | 3.7074% | 4,409 |
| Cash dividends to net income (ytd only)* | -4.4691% | 7,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7201% | 862 |
| Loan loss allowance to noncurrent loans | 57.3370% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 3.6038% | 1,830 |
| Noncurrent loans to loans | 4.7440% | 1,440 |
| Net loans and leases to total assets | 73.8978% | 2,556 |
| Net loans and leases to deposits | 85.7371% | 3,371 |
| Net loans and leases to core deposits | 128.7796% | 1,517 |
| Total domestic deposits to total assets | 86.1912% | 2,593 |
| Equity capital to assets | 8.7947% | 5,805 |
| Core capital (leverage) ratio | 8.9858% | 4,668 |
| Tier 1 risk-based capital ratio | 12.0164% | 4,963 |
| Total risk-based capital ratio | 13.2632% | 4,900 |
| Memoranda: | ||
| Average total assets | $135,403,000 | 4,241 |
| Average earning assets | $127,360,500 | 4,173 |
| Average equity | $12,670,250 | 4,614 |
| Average total loans | $106,218,250 | 3,820 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6738% | 3,695 |
| Cost of funding earning assets | 1.5271% | 6,033 |
| Net interest margin | 4.1467% | 2,173 |
| Noninterest income to average assets | 0.6318% | 3,458 |
| Noninterest expense to average assets | 3.8450% | 1,583 |
| Loan and lease loss provision to assets | 1.7219% | 974 |
| Net operating income to assets | -0.5899% | 6,646 |
| Return on assets (ROA) | -0.5899% | 6,651 |
| Pretax return on assets | -1.0481% | 6,851 |
| Return on Equity (ROE) | -6.1738% | 6,729 |
| Retained earnings to average equity (ytd only) | -6.1738% | 6,474 |
| Net charge-offs to loans | 1.8914% | 996 |
| Credit loss provision to net charge-offs | 114.7705% | 4,034 |
| Earnings coverage of net charge-offs (x) | 0.4491% | 5,252 |
| Efficiency ratio | 85.0895% | 2,344 |
| Assets per employee ($millions) | 3.7892% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6468% | 2,540 |
| Loan loss allowance to noncurrent loans | 29.0874% | 6,557 |
| Noncurrent assets plus other real estate owned to assets | 4.4628% | 1,257 |
| Noncurrent loans to loans | 5.6617% | 1,008 |
| Net loans and leases to total assets | 77.5274% | 1,853 |
| Net loans and leases to deposits | 90.9285% | 2,670 |
| Net loans and leases to core deposits | 134.2792% | 1,301 |
| Total domestic deposits to total assets | 85.2620% | 3,132 |
| Equity capital to assets | 9.7302% | 4,304 |
| Core capital (leverage) ratio | 9.8359% | 3,470 |
| Tier 1 risk-based capital ratio | 11.6556% | 5,239 |
| Total risk-based capital ratio | 12.9136% | 5,162 |
| Memoranda: | ||
| Average total assets | $133,577,000 | 4,318 |
| Average earning assets | $125,208,000 | 4,242 |
| Average equity | $12,763,670 | 4,607 |
| Average total loans | $105,951,330 | 3,858 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5956% | 4,385 |
| Cost of funding earning assets | 1.5941% | 6,055 |
| Net interest margin | 4.0015% | 2,636 |
| Noninterest income to average assets | 0.5097% | 4,235 |
| Noninterest expense to average assets | 3.9612% | 1,230 |
| Loan and lease loss provision to assets | 2.7636% | 407 |
| Net operating income to assets | -1.4340% | 7,470 |
| Return on assets (ROA) | -1.4340% | 7,484 |
| Pretax return on assets | -2.4688% | 7,654 |
| Return on Equity (ROE) | -15.1568% | 7,608 |
| Retained earnings to average equity (ytd only) | -15.1568% | 7,446 |
| Net charge-offs to loans | 3.6308% | 335 |
| Credit loss provision to net charge-offs | 95.6429% | 3,880 |
| Earnings coverage of net charge-offs (x) | 0.1020% | 4,904 |
| Efficiency ratio | 93.0736% | 1,492 |
| Assets per employee ($millions) | 3.6724% | 4,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5461% | 2,733 |
| Loan loss allowance to noncurrent loans | 54.4211% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 2.1476% | 2,678 |
| Noncurrent loans to loans | 2.8411% | 2,300 |
| Net loans and leases to total assets | 74.4217% | 2,645 |
| Net loans and leases to deposits | 88.5887% | 3,181 |
| Net loans and leases to core deposits | 129.5880% | 1,690 |
| Total domestic deposits to total assets | 84.0081% | 3,698 |
| Equity capital to assets | 9.7354% | 4,325 |
| Core capital (leverage) ratio | 10.4724% | 2,965 |
| Tier 1 risk-based capital ratio | 12.4159% | 4,603 |
| Total risk-based capital ratio | 13.6772% | 4,519 |
| Memoranda: | ||
| Average total assets | $130,264,500 | 4,402 |
| Average earning assets | $121,953,500 | 4,332 |
| Average equity | $12,324,500 | 4,745 |
| Average total loans | $103,669,500 | 3,943 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5495% | 2,722 |
| Cost of funding earning assets | 1.7051% | 7,248 |
| Net interest margin | 4.8444% | 716 |
| Noninterest income to average assets | 0.8081% | 2,471 |
| Noninterest expense to average assets | 4.1095% | 1,259 |
| Loan and lease loss provision to assets | 0.8448% | 1,769 |
| Net operating income to assets | 0.2291% | 5,759 |
| Return on assets (ROA) | 0.2291% | 5,584 |
| Pretax return on assets | 0.3517% | 5,389 |
| Return on Equity (ROE) | 2.2729% | 5,513 |
| Retained earnings to average equity (ytd only) | 1.3140% | 4,429 |
| Net charge-offs to loans | 0.0214% | 6,555 |
| Credit loss provision to net charge-offs | 4,968.4211% | 102 |
| Earnings coverage of net charge-offs (x) | 70.3684% | 578 |
| Efficiency ratio | 77.4498% | 3,003 |
| Assets per employee ($millions) | 3.2696% | 5,290 |
| Cash dividends to net income (ytd only)* | 42.1875% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6416% | 2,095 |
| Loan loss allowance to noncurrent loans | 73.0769% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 1.8913% | 2,600 |
| Noncurrent loans to loans | 2.2464% | 2,449 |
| Net loans and leases to total assets | 82.8083% | 1,076 |
| Net loans and leases to deposits | 100.1930% | 1,816 |
| Net loans and leases to core deposits | 132.5189% | 1,687 |
| Total domestic deposits to total assets | 82.6488% | 3,922 |
| Equity capital to assets | 9.1447% | 5,162 |
| Core capital (leverage) ratio | 9.5334% | 3,968 |
| Tier 1 risk-based capital ratio | 10.7980% | 5,920 |
| Total risk-based capital ratio | 12.0521% | 5,813 |
| Memoranda: | ||
| Average total assets | $111,742,000 | 4,731 |
| Average earning assets | $103,748,200 | 4,690 |
| Average equity | $11,263,200 | 5,048 |
| Average total loans | $88,759,200 | 4,266 |