Home > Service1st Bank of Nevada > Performance and Condition Ratios
Service1st Bank of Nevada, 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 | 3.6425% | 6,329 |
| Cost of funding earning assets | 0.2472% | 6,818 |
| Net interest margin | 3.3953% | 5,051 |
| Noninterest income to average assets | 0.5531% | 3,590 |
| Noninterest expense to average assets | 4.1271% | 797 |
| Loan and lease loss provision to assets | 0.4864% | 1,272 |
| Net operating income to assets | -0.8896% | 6,830 |
| Return on assets (ROA) | -0.8896% | 6,857 |
| Pretax return on assets | -0.8896% | 6,831 |
| Return on Equity (ROE) | -5.3631% | 6,724 |
| Retained earnings to average equity (ytd only) | -5.3631% | 6,633 |
| Net charge-offs to loans | 0.6418% | 1,714 |
| Credit loss provision to net charge-offs | 148.8532% | 1,899 |
| Earnings coverage of net charge-offs (x) | -1.2340% | 5,598 |
| Efficiency ratio | 109.4184% | 316 |
| Assets per employee ($millions) | 3.9944% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4778% | 477 |
| Loan loss allowance to noncurrent loans | 71.3277% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 2.8125% | 1,870 |
| Noncurrent loans to loans | 4.8759% | 936 |
| Net loans and leases to total assets | 53.0772% | 4,900 |
| Net loans and leases to deposits | 64.7676% | 4,621 |
| Net loans and leases to core deposits | 66.2758% | 4,924 |
| Total domestic deposits to total assets | 81.9502% | 5,047 |
| Equity capital to assets | 17.5509% | 395 |
| Core capital (leverage) ratio | 16.7729% | 396 |
| Tier 1 risk-based capital ratio | 33.0627% | 405 |
| Total risk-based capital ratio | 34.3445% | 400 |
| Memoranda: | ||
| Average total assets | $177,910,500 | 3,381 |
| Average earning assets | $166,144,750 | 3,321 |
| Average equity | $29,509,750 | 2,297 |
| Average total loans | $90,571,250 | 3,775 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5341% | 6,567 |
| Cost of funding earning assets | 0.2529% | 6,899 |
| Net interest margin | 3.2812% | 5,494 |
| Noninterest income to average assets | 0.3012% | 5,396 |
| Noninterest expense to average assets | 3.6227% | 1,534 |
| Loan and lease loss provision to assets | 0.3494% | 1,884 |
| Net operating income to assets | -0.6166% | 6,785 |
| Return on assets (ROA) | -0.6166% | 6,809 |
| Pretax return on assets | -0.6166% | 6,782 |
| Return on Equity (ROE) | -3.7829% | 6,715 |
| Retained earnings to average equity (ytd only) | -3.7829% | 6,536 |
| Net charge-offs to loans | 1.3070% | 812 |
| Credit loss provision to net charge-offs | 53.7943% | 3,957 |
| Earnings coverage of net charge-offs (x) | -0.4115% | 5,215 |
| Efficiency ratio | 106.4621% | 388 |
| Assets per employee ($millions) | 4.1460% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0733% | 728 |
| Loan loss allowance to noncurrent loans | 66.0920% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 2.4343% | 2,298 |
| Noncurrent loans to loans | 4.6500% | 1,117 |
| Net loans and leases to total assets | 47.9059% | 5,624 |
| Net loans and leases to deposits | 57.8189% | 5,469 |
| Net loans and leases to core deposits | 59.6765% | 5,622 |
| Total domestic deposits to total assets | 82.8551% | 4,803 |
| Equity capital to assets | 16.8647% | 461 |
| Core capital (leverage) ratio | 16.3283% | 431 |
| Tier 1 risk-based capital ratio | 34.7033% | 356 |
| Total risk-based capital ratio | 35.9795% | 347 |
| Memoranda: | ||
| Average total assets | $182,624,330 | 3,315 |
| Average earning assets | $169,998,670 | 3,270 |
| Average equity | $29,765,330 | 2,272 |
| Average total loans | $90,743,000 | 3,786 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9002% | 6,018 |
| Cost of funding earning assets | 0.2646% | 6,964 |
| Net interest margin | 3.6356% | 4,108 |
| Noninterest income to average assets | 0.3425% | 5,118 |
| Noninterest expense to average assets | 3.5918% | 1,576 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1327% | 6,169 |
| Return on assets (ROA) | 0.1327% | 6,293 |
| Pretax return on assets | 0.1327% | 6,330 |
| Return on Equity (ROE) | 0.8276% | 6,383 |
| Retained earnings to average equity (ytd only) | 0.8276% | 5,729 |
| Net charge-offs to loans | 0.9970% | 1,039 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.2672% | 4,228 |
| Efficiency ratio | 95.1149% | 762 |
| Assets per employee ($millions) | 4.1797% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1873% | 693 |
| Loan loss allowance to noncurrent loans | 34.2817% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 4.3610% | 1,236 |
| Noncurrent loans to loans | 9.2974% | 349 |
| Net loans and leases to total assets | 45.4106% | 5,851 |
| Net loans and leases to deposits | 54.6910% | 5,730 |
| Net loans and leases to core deposits | 56.2923% | 5,882 |
| Total domestic deposits to total assets | 83.0311% | 4,914 |
| Equity capital to assets | 16.6885% | 473 |
| Core capital (leverage) ratio | 16.0365% | 458 |
| Tier 1 risk-based capital ratio | 35.6055% | 325 |
| Total risk-based capital ratio | 36.8820% | 317 |
| Memoranda: | ||
| Average total assets | $186,870,000 | 3,272 |
| Average earning assets | $173,838,000 | 3,239 |
| Average equity | $29,964,500 | 2,264 |
| Average total loans | $93,082,000 | 3,753 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5575% | 1,040 |
| Cost of funding earning assets | 0.2828% | 7,131 |
| Net interest margin | 5.2746% | 253 |
| Noninterest income to average assets | 0.3095% | 5,330 |
| Noninterest expense to average assets | 6.9594% | 143 |
| Loan and lease loss provision to assets | 4.5726% | 33 |
| Net operating income to assets | -6.4878% | 7,327 |
| Return on assets (ROA) | -6.4878% | 7,327 |
| Pretax return on assets | -6.4878% | 7,331 |
| Return on Equity (ROE) | -33.2661% | 7,116 |
| Retained earnings to average equity (ytd only) | -33.2661% | 7,110 |
| Net charge-offs to loans | 5.6793% | 57 |
| Credit loss provision to net charge-offs | 149.4172% | 1,896 |
| Earnings coverage of net charge-offs (x) | -0.6258% | 6,126 |
| Efficiency ratio | 78.3694% | 2,545 |
| Assets per employee ($millions) | 4.5119% | 2,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8657% | 917 |
| Loan loss allowance to noncurrent loans | 12.1226% | 6,793 |
| Noncurrent assets plus other real estate owned to assets | 12.4112% | 190 |
| Noncurrent loans to loans | 23.6391% | 27 |
| Net loans and leases to total assets | 50.9981% | 5,465 |
| Net loans and leases to deposits | 60.5572% | 5,431 |
| Net loans and leases to core deposits | 62.2672% | 5,628 |
| Total domestic deposits to total assets | 84.2148% | 4,229 |
| Equity capital to assets | 15.4295% | 689 |
| Core capital (leverage) ratio | 14.4158% | 731 |
| Tier 1 risk-based capital ratio | 28.3934% | 595 |
| Total risk-based capital ratio | 29.6646% | 583 |
| Memoranda: | ||
| Average total assets | $190,634,000 | 3,177 |
| Average earning assets | $171,121,400 | 3,220 |
| Average equity | $37,179,000 | 1,811 |
| Average total loans | $102,724,000 | 3,551 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9773% | 483 |
| Cost of funding earning assets | 0.2855% | 7,228 |
| Net interest margin | 5.6918% | 134 |
| Noninterest income to average assets | 0.3330% | 5,195 |
| Noninterest expense to average assets | 7.9026% | 108 |
| Loan and lease loss provision to assets | 5.2197% | 23 |
| Net operating income to assets | -7.7199% | 7,417 |
| Return on assets (ROA) | -7.7199% | 7,418 |
| Pretax return on assets | -7.7199% | 7,419 |
| Return on Equity (ROE) | -37.5779% | 7,239 |
| Retained earnings to average equity (ytd only) | -37.5779% | 7,233 |
| Net charge-offs to loans | 5.7780% | 63 |
| Credit loss provision to net charge-offs | 166.5546% | 1,827 |
| Earnings coverage of net charge-offs (x) | -0.7978% | 5,903 |
| Efficiency ratio | 72.0806% | 3,537 |
| Assets per employee ($millions) | 4.7818% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9526% | 900 |
| Loan loss allowance to noncurrent loans | 15.8734% | 6,792 |
| Noncurrent assets plus other real estate owned to assets | 11.2101% | 274 |
| Noncurrent loans to loans | 18.6007% | 71 |
| Net loans and leases to total assets | 48.0359% | 5,949 |
| Net loans and leases to deposits | 56.8646% | 5,945 |
| Net loans and leases to core deposits | 58.4115% | 6,097 |
| Total domestic deposits to total assets | 84.4742% | 4,025 |
| Equity capital to assets | 15.2277% | 789 |
| Core capital (leverage) ratio | 15.9306% | 512 |
| Tier 1 risk-based capital ratio | 28.3640% | 631 |
| Total risk-based capital ratio | 29.6342% | 621 |
| Memoranda: | ||
| Average total assets | $189,789,750 | 3,203 |
| Average earning assets | $169,034,000 | 3,273 |
| Average equity | $38,990,000 | 1,733 |
| Average total loans | $102,939,750 | 3,572 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3324% | 80 |
| Cost of funding earning assets | 0.2971% | 7,314 |
| Net interest margin | 7.0353% | 52 |
| Noninterest income to average assets | 0.3393% | 5,170 |
| Noninterest expense to average assets | 3.5152% | 1,945 |
| Loan and lease loss provision to assets | 6.1914% | 26 |
| Net operating income to assets | -3.2334% | 7,334 |
| Return on assets (ROA) | -3.2334% | 7,341 |
| Pretax return on assets | -3.2334% | 7,332 |
| Return on Equity (ROE) | -14.3587% | 7,052 |
| Retained earnings to average equity (ytd only) | -14.3587% | 7,019 |
| Net charge-offs to loans | 2.5685% | 448 |
| Credit loss provision to net charge-offs | 430.4446% | 704 |
| Earnings coverage of net charge-offs (x) | 2.0565% | 3,828 |
| Efficiency ratio | 53.4829% | 6,670 |
| Assets per employee ($millions) | 3.9985% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3549% | 318 |
| Loan loss allowance to noncurrent loans | 41.8141% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 8.7317% | 490 |
| Noncurrent loans to loans | 10.4150% | 362 |
| Net loans and leases to total assets | 56.4718% | 4,906 |
| Net loans and leases to deposits | 73.5871% | 3,867 |
| Net loans and leases to core deposits | 83.1771% | 3,342 |
| Total domestic deposits to total assets | 76.7415% | 6,490 |
| Equity capital to assets | 22.8630% | 155 |
| Core capital (leverage) ratio | 19.3689% | 252 |
| Tier 1 risk-based capital ratio | 30.6750% | 502 |
| Total risk-based capital ratio | 31.9610% | 492 |
| Memoranda: | ||
| Average total assets | $184,513,330 | 3,310 |
| Average earning assets | $160,875,000 | 3,426 |
| Average equity | $41,549,670 | 1,615 |
| Average total loans | $103,327,670 | 3,601 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2737% | 42 |
| Cost of funding earning assets | 0.2748% | 7,414 |
| Net interest margin | 8.9989% | 32 |
| Noninterest income to average assets | 0.2516% | 5,891 |
| Noninterest expense to average assets | 3.6562% | 1,640 |
| Loan and lease loss provision to assets | 2.8595% | 168 |
| Net operating income to assets | 1.5618% | 757 |
| Return on assets (ROA) | 1.5618% | 796 |
| Pretax return on assets | 1.5618% | 1,276 |
| Return on Equity (ROE) | 6.9839% | 3,388 |
| Retained earnings to average equity (ytd only) | 6.9839% | 2,151 |
| Net charge-offs to loans | 0.4221% | 2,424 |
| Credit loss provision to net charge-offs | 1,240.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 19.1727% | 1,152 |
| Efficiency ratio | 44.6405% | 7,261 |
| Assets per employee ($millions) | 4.3031% | 3,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 5,328 |
| Loan loss allowance to noncurrent loans | 27.5347% | 6,439 |
| Noncurrent assets plus other real estate owned to assets | 5.7407% | 1,033 |
| Noncurrent loans to loans | 4.5838% | 1,513 |
| Net loans and leases to total assets | 57.2008% | 4,762 |
| Net loans and leases to deposits | 76.2968% | 3,371 |
| Net loans and leases to core deposits | 87.3060% | 2,698 |
| Total domestic deposits to total assets | 74.9714% | 6,799 |
| Equity capital to assets | 24.3955% | 127 |
| Core capital (leverage) ratio | 21.7575% | 166 |
| Tier 1 risk-based capital ratio | 32.4760% | 417 |
| Total risk-based capital ratio | 33.7275% | 408 |
| Memoranda: | ||
| Average total assets | $190,801,500 | 3,240 |
| Average earning assets | $165,931,500 | 3,363 |
| Average equity | $42,669,500 | 1,557 |
| Average total loans | $104,233,000 | 3,617 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7981% | 7,607 |
| Cost of funding earning assets | 0.0602% | 7,598 |
| Net interest margin | 0.7379% | 7,595 |
| Noninterest income to average assets | 0.0504% | 7,103 |
| Noninterest expense to average assets | 0.6148% | 7,607 |
| Loan and lease loss provision to assets | 0.0171% | 6,939 |
| Net operating income to assets | 0.0884% | 5,617 |
| Return on assets (ROA) | 0.0884% | 5,753 |
| Pretax return on assets | 0.0884% | 5,725 |
| Return on Equity (ROE) | 0.7150% | 5,776 |
| Retained earnings to average equity (ytd only) | 0.7150% | 5,203 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2904% | 1,886 |
| Assets per employee ($millions) | 5.0043% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0339% | 7,568 |
| Loan loss allowance to noncurrent loans | 0.3453% | 7,148 |
| Noncurrent assets plus other real estate owned to assets | 6.7415% | 832 |
| Noncurrent loans to loans | 9.8119% | 439 |
| Net loans and leases to total assets | 51.7714% | 5,947 |
| Net loans and leases to deposits | 65.7500% | 5,435 |
| Net loans and leases to core deposits | 89.0654% | 2,885 |
| Total domestic deposits to total assets | 78.7398% | 6,149 |
| Equity capital to assets | 20.6159% | 226 |
| Core capital (leverage) ratio | 18.0943% | 327 |
| Tier 1 risk-based capital ratio | 29.7580% | 520 |
| Total risk-based capital ratio | 30.0962% | 543 |
| Memoranda: | ||
| Average total assets | $210,305,600 | 2,977 |
| Average earning assets | $190,954,400 | 2,985 |
| Average equity | $26,013,400 | 2,455 |
| Average total loans | $124,225,800 | 3,228 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1493% | 7,155 |
| Cost of funding earning assets | 0.7451% | 6,931 |
| Net interest margin | 3.4042% | 5,666 |
| Noninterest income to average assets | 0.2760% | 5,898 |
| Noninterest expense to average assets | 4.3612% | 695 |
| Loan and lease loss provision to assets | 2.4815% | 426 |
| Net operating income to assets | -3.4488% | 7,514 |
| Return on assets (ROA) | -3.4406% | 7,525 |
| Pretax return on assets | -3.4406% | 7,490 |
| Return on Equity (ROE) | -33.1776% | 7,432 |
| Retained earnings to average equity (ytd only) | -33.1776% | 7,426 |
| Net charge-offs to loans | 3.4400% | 404 |
| Credit loss provision to net charge-offs | 118.5787% | 3,493 |
| Earnings coverage of net charge-offs (x) | -0.4622% | 6,309 |
| Efficiency ratio | 128.1099% | 310 |
| Assets per employee ($millions) | 4.8273% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8142% | 114 |
| Loan loss allowance to noncurrent loans | 33.7467% | 6,080 |
| Noncurrent assets plus other real estate owned to assets | 12.3383% | 256 |
| Noncurrent loans to loans | 17.2290% | 117 |
| Net loans and leases to total assets | 58.9026% | 5,121 |
| Net loans and leases to deposits | 66.1731% | 5,651 |
| Net loans and leases to core deposits | 74.0029% | 5,291 |
| Total domestic deposits to total assets | 89.0129% | 1,383 |
| Equity capital to assets | 10.1906% | 3,892 |
| Core capital (leverage) ratio | 9.1851% | 4,396 |
| Tier 1 risk-based capital ratio | 15.5253% | 2,985 |
| Total risk-based capital ratio | 16.8315% | 2,915 |
| Memoranda: | ||
| Average total assets | $211,587,750 | 3,015 |
| Average earning assets | $193,795,000 | 2,993 |
| Average equity | $21,942,000 | 2,924 |
| Average total loans | $128,717,500 | 3,186 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1494% | 7,231 |
| Cost of funding earning assets | 0.7936% | 6,936 |
| Net interest margin | 3.3557% | 5,817 |
| Noninterest income to average assets | 0.2691% | 5,997 |
| Noninterest expense to average assets | 4.1101% | 911 |
| Loan and lease loss provision to assets | 2.9676% | 331 |
| Net operating income to assets | -3.7134% | 7,595 |
| Return on assets (ROA) | -3.7134% | 7,601 |
| Pretax return on assets | -3.7134% | 7,570 |
| Return on Equity (ROE) | -35.6259% | 7,495 |
| Retained earnings to average equity (ytd only) | -35.6259% | 7,485 |
| Net charge-offs to loans | 1.6503% | 1,147 |
| Credit loss provision to net charge-offs | 298.0627% | 1,244 |
| Earnings coverage of net charge-offs (x) | -0.7491% | 6,080 |
| Efficiency ratio | 121.6489% | 392 |
| Assets per employee ($millions) | 5.6456% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8310% | 60 |
| Loan loss allowance to noncurrent loans | 47.1857% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 9.1333% | 483 |
| Noncurrent loans to loans | 14.4768% | 186 |
| Net loans and leases to total assets | 50.3860% | 6,389 |
| Net loans and leases to deposits | 55.7266% | 6,749 |
| Net loans and leases to core deposits | 63.8077% | 6,415 |
| Total domestic deposits to total assets | 90.4165% | 714 |
| Equity capital to assets | 8.9480% | 5,526 |
| Core capital (leverage) ratio | 9.5976% | 3,679 |
| Tier 1 risk-based capital ratio | 15.5263% | 2,878 |
| Total risk-based capital ratio | 16.8445% | 2,817 |
| Memoranda: | ||
| Average total assets | $217,753,670 | 2,965 |
| Average earning assets | $200,850,000 | 2,937 |
| Average equity | $22,697,000 | 2,837 |
| Average total loans | $131,371,330 | 3,176 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5735% | 6,629 |
| Cost of funding earning assets | 0.8635% | 6,891 |
| Net interest margin | 3.7100% | 4,190 |
| Noninterest income to average assets | 0.2712% | 5,988 |
| Noninterest expense to average assets | 4.2448% | 771 |
| Loan and lease loss provision to assets | 2.8792% | 353 |
| Net operating income to assets | -3.4463% | 7,677 |
| Return on assets (ROA) | -3.4463% | 7,678 |
| Pretax return on assets | -3.4463% | 7,637 |
| Return on Equity (ROE) | -30.6803% | 7,583 |
| Retained earnings to average equity (ytd only) | -30.6803% | 7,560 |
| Net charge-offs to loans | 2.7605% | 580 |
| Credit loss provision to net charge-offs | 163.5776% | 2,217 |
| Earnings coverage of net charge-offs (x) | -0.3222% | 5,216 |
| Efficiency ratio | 114.4920% | 521 |
| Assets per employee ($millions) | 4.3756% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2998% | 143 |
| Loan loss allowance to noncurrent loans | 69.7865% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 4.7717% | 1,379 |
| Noncurrent loans to loans | 7.5943% | 740 |
| Net loans and leases to total assets | 59.5029% | 5,203 |
| Net loans and leases to deposits | 67.3235% | 5,675 |
| Net loans and leases to core deposits | 79.8474% | 4,780 |
| Total domestic deposits to total assets | 88.3836% | 1,860 |
| Equity capital to assets | 10.8842% | 2,861 |
| Core capital (leverage) ratio | 11.0145% | 2,222 |
| Tier 1 risk-based capital ratio | 16.5951% | 2,413 |
| Total risk-based capital ratio | 17.8968% | 2,349 |
| Memoranda: | ||
| Average total assets | $210,895,000 | 3,091 |
| Average earning assets | $193,639,000 | 3,080 |
| Average equity | $23,689,500 | 2,752 |
| Average total loans | $134,467,000 | 3,176 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9257% | 6,654 |
| Cost of funding earning assets | 1.4420% | 5,757 |
| Net interest margin | 3.4837% | 5,025 |
| Noninterest income to average assets | 0.2018% | 6,660 |
| Noninterest expense to average assets | 4.3463% | 937 |
| Loan and lease loss provision to assets | 7.9239% | 45 |
| Net operating income to assets | -8.7984% | 7,955 |
| Return on assets (ROA) | -8.7898% | 7,957 |
| Pretax return on assets | -8.7898% | 7,944 |
| Return on Equity (ROE) | -46.5033% | 7,645 |
| Retained earnings to average equity (ytd only) | -46.5033% | 7,634 |
| Net charge-offs to loans | 8.6001% | 66 |
| Credit loss provision to net charge-offs | 128.9914% | 3,988 |
| Earnings coverage of net charge-offs (x) | -0.1424% | 6,383 |
| Efficiency ratio | 125.1894% | 527 |
| Assets per employee ($millions) | 4.5055% | 2,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6756% | 212 |
| Loan loss allowance to noncurrent loans | 82.1131% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 3.6829% | 1,810 |
| Noncurrent loans to loans | 5.6941% | 1,121 |
| Net loans and leases to total assets | 61.6556% | 5,069 |
| Net loans and leases to deposits | 70.4522% | 5,544 |
| Net loans and leases to core deposits | 99.6626% | 4,040 |
| Total domestic deposits to total assets | 87.5142% | 2,210 |
| Equity capital to assets | 11.5787% | 2,261 |
| Core capital (leverage) ratio | 10.9438% | 2,256 |
| Tier 1 risk-based capital ratio | 16.2623% | 2,408 |
| Total risk-based capital ratio | 17.5559% | 2,336 |
| Memoranda: | ||
| Average total assets | $197,706,800 | 3,210 |
| Average earning assets | $185,578,400 | 3,148 |
| Average equity | $37,369,400 | 1,793 |
| Average total loans | $141,219,000 | 3,055 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9691% | 6,702 |
| Cost of funding earning assets | 1.5380% | 5,677 |
| Net interest margin | 3.4311% | 5,142 |
| Noninterest income to average assets | 0.1909% | 6,854 |
| Noninterest expense to average assets | 3.8792% | 1,459 |
| Loan and lease loss provision to assets | 3.0148% | 486 |
| Net operating income to assets | -3.4590% | 7,681 |
| Return on assets (ROA) | -3.4494% | 7,687 |
| Pretax return on assets | -3.4494% | 7,603 |
| Return on Equity (ROE) | -16.5061% | 7,257 |
| Retained earnings to average equity (ytd only) | -16.5061% | 7,211 |
| Net charge-offs to loans | 1.7514% | 1,154 |
| Credit loss provision to net charge-offs | 234.9385% | 1,857 |
| Earnings coverage of net charge-offs (x) | -0.3462% | 6,385 |
| Efficiency ratio | 112.9322% | 713 |
| Assets per employee ($millions) | 4.8053% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6662% | 367 |
| Loan loss allowance to noncurrent loans | 30.1551% | 6,450 |
| Noncurrent assets plus other real estate owned to assets | 7.9362% | 545 |
| Noncurrent loans to loans | 12.1577% | 260 |
| Net loans and leases to total assets | 62.8839% | 5,088 |
| Net loans and leases to deposits | 76.4034% | 4,971 |
| Net loans and leases to core deposits | 106.6783% | 3,625 |
| Total domestic deposits to total assets | 82.3051% | 4,539 |
| Equity capital to assets | 16.3364% | 737 |
| Core capital (leverage) ratio | 16.8284% | 575 |
| Tier 1 risk-based capital ratio | 22.7241% | 1,142 |
| Total risk-based capital ratio | 24.0030% | 1,112 |
| Memoranda: | ||
| Average total assets | $194,193,500 | 3,264 |
| Average earning assets | $183,608,750 | 3,196 |
| Average equity | $40,582,000 | 1,664 |
| Average total loans | $142,282,250 | 3,077 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2908% | 5,693 |
| Cost of funding earning assets | 1.5691% | 5,843 |
| Net interest margin | 3.7217% | 3,867 |
| Noninterest income to average assets | 0.1645% | 7,105 |
| Noninterest expense to average assets | 3.9860% | 1,333 |
| Loan and lease loss provision to assets | 1.0488% | 1,621 |
| Net operating income to assets | -1.3417% | 7,181 |
| Return on assets (ROA) | -1.3265% | 7,179 |
| Pretax return on assets | -1.3265% | 7,005 |
| Return on Equity (ROE) | -5.8263% | 6,693 |
| Retained earnings to average equity (ytd only) | -5.8263% | 6,425 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.9328% | 913 |
| Assets per employee ($millions) | 4.5356% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6888% | 759 |
| Loan loss allowance to noncurrent loans | 44.0550% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 4.2773% | 1,349 |
| Noncurrent loans to loans | 6.1034% | 889 |
| Net loans and leases to total assets | 68.1960% | 4,126 |
| Net loans and leases to deposits | 87.1735% | 3,325 |
| Net loans and leases to core deposits | 134.0737% | 1,314 |
| Total domestic deposits to total assets | 78.2301% | 6,014 |
| Equity capital to assets | 20.2584% | 361 |
| Core capital (leverage) ratio | 20.6492% | 330 |
| Tier 1 risk-based capital ratio | 25.7325% | 876 |
| Total risk-based capital ratio | 26.9990% | 857 |
| Memoranda: | ||
| Average total assets | $183,641,000 | 3,428 |
| Average earning assets | $174,112,330 | 3,345 |
| Average equity | $41,810,670 | 1,627 |
| Average total loans | $140,566,670 | 3,133 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5581% | 4,594 |
| Cost of funding earning assets | 1.5110% | 6,370 |
| Net interest margin | 4.0471% | 2,465 |
| Noninterest income to average assets | 0.1822% | 6,990 |
| Noninterest expense to average assets | 4.2304% | 910 |
| Loan and lease loss provision to assets | 1.3794% | 930 |
| Net operating income to assets | -1.5478% | 7,517 |
| Return on assets (ROA) | -1.5478% | 7,519 |
| Pretax return on assets | -1.5478% | 7,385 |
| Return on Equity (ROE) | -6.3841% | 7,097 |
| Retained earnings to average equity (ytd only) | -6.3841% | 6,732 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1454% | 981 |
| Assets per employee ($millions) | 4.0723% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4610% | 793 |
| Loan loss allowance to noncurrent loans | 101.6350% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 1.8284% | 3,174 |
| Noncurrent loans to loans | 2.4214% | 2,720 |
| Net loans and leases to total assets | 73.6504% | 2,854 |
| Net loans and leases to deposits | 96.7992% | 1,822 |
| Net loans and leases to core deposits | 144.3336% | 919 |
| Total domestic deposits to total assets | 76.0857% | 6,491 |
| Equity capital to assets | 22.2968% | 298 |
| Core capital (leverage) ratio | 23.7481% | 262 |
| Tier 1 risk-based capital ratio | 26.3243% | 865 |
| Total risk-based capital ratio | 27.5886% | 846 |
| Memoranda: | ||
| Average total assets | $173,410,000 | 3,598 |
| Average earning assets | $166,243,000 | 3,470 |
| Average equity | $42,042,000 | 1,617 |
| Average total loans | $139,332,000 | 3,178 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0856% | 5,118 |
| Cost of funding earning assets | 1.4322% | 7,704 |
| Net interest margin | 4.6534% | 1,047 |
| Noninterest income to average assets | 0.1601% | 7,279 |
| Noninterest expense to average assets | 5.6021% | 481 |
| Loan and lease loss provision to assets | 2.4893% | 421 |
| Net operating income to assets | -3.4717% | 7,908 |
| Return on assets (ROA) | -3.4717% | 7,889 |
| Pretax return on assets | -3.4717% | 7,804 |
| Return on Equity (ROE) | -11.3062% | 7,374 |
| Retained earnings to average equity (ytd only) | -11.3062% | 7,188 |
| Net charge-offs to loans | 1.4598% | 798 |
| Credit loss provision to net charge-offs | 214.8126% | 2,249 |
| Earnings coverage of net charge-offs (x) | -0.8478% | 6,566 |
| Efficiency ratio | 121.2660% | 560 |
| Assets per employee ($millions) | 3.4672% | 4,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1011% | 1,072 |
| Loan loss allowance to noncurrent loans | 83.9546% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 2.1531% | 2,278 |
| Noncurrent loans to loans | 2.5026% | 2,177 |
| Net loans and leases to total assets | 84.2250% | 853 |
| Net loans and leases to deposits | 122.2420% | 343 |
| Net loans and leases to core deposits | 168.1580% | 435 |
| Total domestic deposits to total assets | 68.9002% | 7,393 |
| Equity capital to assets | 26.5316% | 231 |
| Core capital (leverage) ratio | 25.7842% | 247 |
| Tier 1 risk-based capital ratio | 28.2146% | 751 |
| Total risk-based capital ratio | 29.4755% | 734 |
| Memoranda: | ||
| Average total assets | $147,390,800 | 3,947 |
| Average earning assets | $141,251,000 | 3,822 |
| Average equity | $45,258,400 | 1,495 |
| Average total loans | $117,005,400 | 3,525 |