Home > South Valley Bank & Trust > Performance and Condition Ratios
South Valley Bank & Trust, Performance and Condition Ratios
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 3,181 |
| Cost of funding earning assets | 0.5982% | 4,670 |
| Net interest margin | 4.0070% | 2,480 |
| Noninterest income to average assets | 0.9301% | 1,735 |
| Noninterest expense to average assets | 3.3578% | 2,111 |
| Loan and lease loss provision to assets | 0.9940% | 411 |
| Net operating income to assets | 0.0324% | 6,235 |
| Return on assets (ROA) | 0.0361% | 6,362 |
| Pretax return on assets | 0.0219% | 6,374 |
| Return on Equity (ROE) | 0.4622% | 6,345 |
| Retained earnings to average equity (ytd only) | 0.4622% | 5,952 |
| Net charge-offs to loans | 2.2705% | 294 |
| Credit loss provision to net charge-offs | 68.5687% | 3,946 |
| Earnings coverage of net charge-offs (x) | 0.6982% | 4,976 |
| Efficiency ratio | 72.9130% | 3,161 |
| Assets per employee ($millions) | 3.3437% | 5,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4619% | 4,105 |
| Loan loss allowance to noncurrent loans | 31.3123% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 4.8626% | 920 |
| Noncurrent loans to loans | 4.6689% | 1,001 |
| Net loans and leases to total assets | 59.0479% | 3,954 |
| Net loans and leases to deposits | 66.5487% | 4,398 |
| Net loans and leases to core deposits | 72.0057% | 4,250 |
| Total domestic deposits to total assets | 88.7288% | 1,577 |
| Equity capital to assets | 7.9514% | 6,616 |
| Core capital (leverage) ratio | 7.5772% | 6,578 |
| Tier 1 risk-based capital ratio | 13.2473% | 5,063 |
| Total risk-based capital ratio | 14.5017% | 5,021 |
| Memoranda: | ||
| Average total assets | $852,676,500 | 775 |
| Average earning assets | $732,003,750 | 822 |
| Average equity | $66,629,250 | 1,060 |
| Average total loans | $544,416,500 | 765 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7297% | 2,804 |
| Cost of funding earning assets | 0.6115% | 4,796 |
| Net interest margin | 4.1182% | 2,018 |
| Noninterest income to average assets | 0.9519% | 1,608 |
| Noninterest expense to average assets | 3.1937% | 2,610 |
| Loan and lease loss provision to assets | 1.0794% | 400 |
| Net operating income to assets | 0.1465% | 6,051 |
| Return on assets (ROA) | 0.1494% | 6,214 |
| Pretax return on assets | 0.1964% | 6,158 |
| Return on Equity (ROE) | 1.9225% | 6,063 |
| Retained earnings to average equity (ytd only) | 1.9225% | 5,237 |
| Net charge-offs to loans | 2.3621% | 310 |
| Credit loss provision to net charge-offs | 70.1712% | 3,557 |
| Earnings coverage of net charge-offs (x) | 0.8270% | 4,645 |
| Efficiency ratio | 71.4882% | 3,523 |
| Assets per employee ($millions) | 3.3804% | 5,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5630% | 3,728 |
| Loan loss allowance to noncurrent loans | 32.1200% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 5.1586% | 911 |
| Noncurrent loans to loans | 4.8663% | 1,038 |
| Net loans and leases to total assets | 60.8828% | 3,645 |
| Net loans and leases to deposits | 68.4456% | 4,129 |
| Net loans and leases to core deposits | 74.1428% | 4,016 |
| Total domestic deposits to total assets | 88.9506% | 1,538 |
| Equity capital to assets | 7.8116% | 6,671 |
| Core capital (leverage) ratio | 7.5294% | 6,613 |
| Tier 1 risk-based capital ratio | 12.4112% | 5,636 |
| Total risk-based capital ratio | 13.6669% | 5,610 |
| Memoranda: | ||
| Average total assets | $858,263,670 | 775 |
| Average earning assets | $732,314,330 | 827 |
| Average equity | $66,683,330 | 1,048 |
| Average total loans | $558,917,670 | 748 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 2,593 |
| Cost of funding earning assets | 0.6276% | 4,915 |
| Net interest margin | 4.1827% | 1,807 |
| Noninterest income to average assets | 0.7751% | 2,274 |
| Noninterest expense to average assets | 3.1632% | 2,723 |
| Loan and lease loss provision to assets | 0.4894% | 1,242 |
| Net operating income to assets | 0.5441% | 4,627 |
| Return on assets (ROA) | 0.5420% | 4,850 |
| Pretax return on assets | 0.7132% | 4,749 |
| Return on Equity (ROE) | 6.9948% | 3,787 |
| Retained earnings to average equity (ytd only) | 6.9948% | 2,442 |
| Net charge-offs to loans | 0.8489% | 1,209 |
| Credit loss provision to net charge-offs | 86.3711% | 2,618 |
| Earnings coverage of net charge-offs (x) | 2.1273% | 3,304 |
| Efficiency ratio | 72.3855% | 3,367 |
| Assets per employee ($millions) | 3.2985% | 5,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7895% | 3,029 |
| Loan loss allowance to noncurrent loans | 51.3120% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 4.6664% | 1,133 |
| Noncurrent loans to loans | 3.4876% | 1,792 |
| Net loans and leases to total assets | 64.6961% | 2,716 |
| Net loans and leases to deposits | 72.8386% | 3,291 |
| Net loans and leases to core deposits | 79.0537% | 3,174 |
| Total domestic deposits to total assets | 88.8211% | 1,804 |
| Equity capital to assets | 7.8691% | 6,601 |
| Core capital (leverage) ratio | 7.3884% | 6,692 |
| Tier 1 risk-based capital ratio | 11.7715% | 6,111 |
| Total risk-based capital ratio | 13.0303% | 6,084 |
| Memoranda: | ||
| Average total assets | $859,769,500 | 772 |
| Average earning assets | $738,667,500 | 816 |
| Average equity | $66,620,500 | 1,051 |
| Average total loans | $573,892,000 | 724 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3243% | 1,633 |
| Cost of funding earning assets | 0.8616% | 4,381 |
| Net interest margin | 4.4628% | 1,224 |
| Noninterest income to average assets | 0.7380% | 2,400 |
| Noninterest expense to average assets | 3.8724% | 1,224 |
| Loan and lease loss provision to assets | 1.6417% | 426 |
| Net operating income to assets | -0.4937% | 6,484 |
| Return on assets (ROA) | -0.4938% | 6,534 |
| Pretax return on assets | -0.9757% | 6,722 |
| Return on Equity (ROE) | -6.1532% | 6,589 |
| Retained earnings to average equity (ytd only) | -6.1532% | 6,517 |
| Net charge-offs to loans | 2.4221% | 490 |
| Credit loss provision to net charge-offs | 94.0668% | 3,831 |
| Earnings coverage of net charge-offs (x) | 0.3816% | 5,532 |
| Efficiency ratio | 85.2990% | 1,645 |
| Assets per employee ($millions) | 2.7911% | 6,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7499% | 3,031 |
| Loan loss allowance to noncurrent loans | 69.1129% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 4.1198% | 1,389 |
| Noncurrent loans to loans | 2.5319% | 2,595 |
| Net loans and leases to total assets | 66.4299% | 2,703 |
| Net loans and leases to deposits | 74.5217% | 3,413 |
| Net loans and leases to core deposits | 81.3290% | 3,274 |
| Total domestic deposits to total assets | 89.1417% | 1,452 |
| Equity capital to assets | 7.6297% | 6,757 |
| Core capital (leverage) ratio | 7.1173% | 6,824 |
| Tier 1 risk-based capital ratio | 11.1696% | 6,364 |
| Total risk-based capital ratio | 12.4277% | 6,343 |
| Memoranda: | ||
| Average total assets | $855,662,200 | 760 |
| Average earning assets | $728,676,200 | 816 |
| Average equity | $68,663,200 | 979 |
| Average total loans | $616,534,800 | 680 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4158% | 1,467 |
| Cost of funding earning assets | 0.9129% | 4,315 |
| Net interest margin | 4.5029% | 1,144 |
| Noninterest income to average assets | 0.9199% | 1,580 |
| Noninterest expense to average assets | 3.9021% | 1,152 |
| Loan and lease loss provision to assets | 2.0590% | 254 |
| Net operating income to assets | -0.6033% | 6,698 |
| Return on assets (ROA) | -0.6033% | 6,740 |
| Pretax return on assets | -1.2062% | 6,942 |
| Return on Equity (ROE) | -7.4257% | 6,787 |
| Retained earnings to average equity (ytd only) | -7.4257% | 6,729 |
| Net charge-offs to loans | 2.9236% | 328 |
| Credit loss provision to net charge-offs | 96.2387% | 3,565 |
| Earnings coverage of net charge-offs (x) | 0.3986% | 5,318 |
| Efficiency ratio | 82.0407% | 1,966 |
| Assets per employee ($millions) | 2.8856% | 6,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7911% | 2,976 |
| Loan loss allowance to noncurrent loans | 48.5092% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 4.5312% | 1,324 |
| Noncurrent loans to loans | 3.6923% | 1,848 |
| Net loans and leases to total assets | 67.6409% | 2,550 |
| Net loans and leases to deposits | 75.9927% | 3,332 |
| Net loans and leases to core deposits | 84.3196% | 3,018 |
| Total domestic deposits to total assets | 89.0097% | 1,428 |
| Equity capital to assets | 7.7183% | 6,836 |
| Core capital (leverage) ratio | 7.3223% | 6,846 |
| Tier 1 risk-based capital ratio | 11.4457% | 6,274 |
| Total risk-based capital ratio | 12.7046% | 6,262 |
| Memoranda: | ||
| Average total assets | $853,269,000 | 773 |
| Average earning assets | $726,713,250 | 827 |
| Average equity | $69,325,250 | 976 |
| Average total loans | $624,415,500 | 670 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5299% | 1,233 |
| Cost of funding earning assets | 0.9577% | 4,266 |
| Net interest margin | 4.5723% | 965 |
| Noninterest income to average assets | 1.1280% | 1,016 |
| Noninterest expense to average assets | 3.7203% | 1,491 |
| Loan and lease loss provision to assets | 0.9264% | 958 |
| Net operating income to assets | 0.2648% | 5,499 |
| Return on assets (ROA) | 0.2648% | 5,626 |
| Pretax return on assets | 0.3612% | 5,514 |
| Return on Equity (ROE) | 3.2058% | 5,304 |
| Retained earnings to average equity (ytd only) | 3.2058% | 4,227 |
| Net charge-offs to loans | 1.7354% | 819 |
| Credit loss provision to net charge-offs | 71.5297% | 4,017 |
| Earnings coverage of net charge-offs (x) | 0.9942% | 4,554 |
| Efficiency ratio | 74.2656% | 3,315 |
| Assets per employee ($millions) | 2.9054% | 6,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 3,900 |
| Loan loss allowance to noncurrent loans | 69.2319% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 3.4387% | 1,917 |
| Noncurrent loans to loans | 2.2409% | 3,171 |
| Net loans and leases to total assets | 70.4958% | 2,114 |
| Net loans and leases to deposits | 80.0527% | 2,787 |
| Net loans and leases to core deposits | 89.2594% | 2,467 |
| Total domestic deposits to total assets | 88.0617% | 2,104 |
| Equity capital to assets | 8.2885% | 6,436 |
| Core capital (leverage) ratio | 8.1867% | 6,054 |
| Tier 1 risk-based capital ratio | 12.1504% | 5,667 |
| Total risk-based capital ratio | 13.4063% | 5,637 |
| Memoranda: | ||
| Average total assets | $851,051,670 | 779 |
| Average earning assets | $722,176,670 | 840 |
| Average equity | $70,310,000 | 967 |
| Average total loans | $635,132,000 | 671 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6035% | 1,046 |
| Cost of funding earning assets | 1.0160% | 4,081 |
| Net interest margin | 4.5875% | 880 |
| Noninterest income to average assets | 0.7475% | 2,268 |
| Noninterest expense to average assets | 3.8593% | 1,234 |
| Loan and lease loss provision to assets | 0.7220% | 1,174 |
| Net operating income to assets | 0.0217% | 6,301 |
| Return on assets (ROA) | 0.0217% | 6,334 |
| Pretax return on assets | 0.0321% | 6,298 |
| Return on Equity (ROE) | 0.2635% | 6,319 |
| Retained earnings to average equity (ytd only) | 0.2635% | 5,703 |
| Net charge-offs to loans | 0.9219% | 1,446 |
| Credit loss provision to net charge-offs | 102.8264% | 2,580 |
| Earnings coverage of net charge-offs (x) | 1.0740% | 3,861 |
| Efficiency ratio | 83.6338% | 1,999 |
| Assets per employee ($millions) | 2.8715% | 6,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7445% | 3,197 |
| Loan loss allowance to noncurrent loans | 43.1798% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 4.1458% | 1,595 |
| Noncurrent loans to loans | 4.0401% | 1,795 |
| Net loans and leases to total assets | 73.9833% | 1,348 |
| Net loans and leases to deposits | 83.8859% | 2,050 |
| Net loans and leases to core deposits | 92.4177% | 2,081 |
| Total domestic deposits to total assets | 88.1952% | 2,267 |
| Equity capital to assets | 8.2116% | 6,268 |
| Core capital (leverage) ratio | 8.1432% | 6,064 |
| Tier 1 risk-based capital ratio | 11.6786% | 5,954 |
| Total risk-based capital ratio | 12.9372% | 5,943 |
| Memoranda: | ||
| Average total assets | $846,577,500 | 788 |
| Average earning assets | $713,412,500 | 862 |
| Average equity | $69,824,500 | 962 |
| Average total loans | $644,789,000 | 665 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1315% | 652 |
| Cost of funding earning assets | 1.1485% | 4,859 |
| Net interest margin | 4.9829% | 448 |
| Noninterest income to average assets | 1.3690% | 778 |
| Noninterest expense to average assets | 3.8942% | 1,325 |
| Loan and lease loss provision to assets | 1.2685% | 1,225 |
| Net operating income to assets | 0.3880% | 4,596 |
| Return on assets (ROA) | 0.3969% | 4,695 |
| Pretax return on assets | 0.4616% | 4,759 |
| Return on Equity (ROE) | 4.0974% | 4,477 |
| Retained earnings to average equity (ytd only) | 4.0974% | 2,989 |
| Net charge-offs to loans | 0.8122% | 2,605 |
| Credit loss provision to net charge-offs | 198.3694% | 1,593 |
| Earnings coverage of net charge-offs (x) | 2.6893% | 3,744 |
| Efficiency ratio | 69.3357% | 4,307 |
| Assets per employee ($millions) | 2.6768% | 6,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7124% | 3,168 |
| Loan loss allowance to noncurrent loans | 28.4876% | 6,384 |
| Noncurrent assets plus other real estate owned to assets | 5.8576% | 1,032 |
| Noncurrent loans to loans | 6.0109% | 1,043 |
| Net loans and leases to total assets | 75.7194% | 1,330 |
| Net loans and leases to deposits | 86.0101% | 2,096 |
| Net loans and leases to core deposits | 95.1116% | 2,113 |
| Total domestic deposits to total assets | 88.0354% | 2,227 |
| Equity capital to assets | 8.2845% | 6,164 |
| Core capital (leverage) ratio | 8.1261% | 5,954 |
| Tier 1 risk-based capital ratio | 11.5437% | 5,869 |
| Total risk-based capital ratio | 12.8016% | 5,867 |
| Memoranda: | ||
| Average total assets | $700,098,000 | 952 |
| Average earning assets | $596,415,600 | 1,014 |
| Average equity | $67,823,200 | 990 |
| Average total loans | $551,233,000 | 817 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1146% | 739 |
| Cost of funding earning assets | 1.1849% | 4,947 |
| Net interest margin | 4.9296% | 526 |
| Noninterest income to average assets | 1.6780% | 498 |
| Noninterest expense to average assets | 3.8406% | 1,299 |
| Loan and lease loss provision to assets | 1.5412% | 854 |
| Net operating income to assets | 0.3724% | 4,872 |
| Return on assets (ROA) | 0.3739% | 5,050 |
| Pretax return on assets | 0.5451% | 4,773 |
| Return on Equity (ROE) | 3.6900% | 4,917 |
| Retained earnings to average equity (ytd only) | 3.6900% | 3,861 |
| Net charge-offs to loans | 0.8425% | 2,344 |
| Credit loss provision to net charge-offs | 230.7392% | 1,485 |
| Earnings coverage of net charge-offs (x) | 3.1202% | 3,578 |
| Efficiency ratio | 64.8238% | 5,085 |
| Assets per employee ($millions) | 2.8690% | 6,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7020% | 3,141 |
| Loan loss allowance to noncurrent loans | 36.0211% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 5.1156% | 1,253 |
| Noncurrent loans to loans | 4.7250% | 1,502 |
| Net loans and leases to total assets | 76.3172% | 1,346 |
| Net loans and leases to deposits | 86.9652% | 2,155 |
| Net loans and leases to core deposits | 96.3736% | 2,218 |
| Total domestic deposits to total assets | 87.7560% | 2,127 |
| Equity capital to assets | 8.2525% | 6,560 |
| Core capital (leverage) ratio | 7.9747% | 6,382 |
| Tier 1 risk-based capital ratio | 11.5257% | 5,906 |
| Total risk-based capital ratio | 12.7839% | 5,885 |
| Memoranda: | ||
| Average total assets | $664,327,000 | 1,011 |
| Average earning assets | $572,280,000 | 1,064 |
| Average equity | $67,315,750 | 992 |
| Average total loans | $526,647,500 | 857 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1165% | 734 |
| Cost of funding earning assets | 1.1909% | 5,182 |
| Net interest margin | 4.9255% | 508 |
| Noninterest income to average assets | 0.6862% | 2,780 |
| Noninterest expense to average assets | 3.7506% | 1,450 |
| Loan and lease loss provision to assets | 0.4976% | 2,809 |
| Net operating income to assets | 0.4951% | 4,351 |
| Return on assets (ROA) | 0.4976% | 4,493 |
| Pretax return on assets | 0.7254% | 4,153 |
| Return on Equity (ROE) | 4.5241% | 4,528 |
| Retained earnings to average equity (ytd only) | 4.5241% | 3,194 |
| Net charge-offs to loans | 0.4417% | 3,216 |
| Credit loss provision to net charge-offs | 140.7649% | 2,841 |
| Earnings coverage of net charge-offs (x) | 3.4496% | 3,319 |
| Efficiency ratio | 75.4644% | 3,168 |
| Assets per employee ($millions) | 2.6892% | 6,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4805% | 4,013 |
| Loan loss allowance to noncurrent loans | 113.3714% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 2.0264% | 3,466 |
| Noncurrent loans to loans | 1.3059% | 4,769 |
| Net loans and leases to total assets | 77.3256% | 1,230 |
| Net loans and leases to deposits | 92.2855% | 1,483 |
| Net loans and leases to core deposits | 103.8775% | 1,654 |
| Total domestic deposits to total assets | 83.7895% | 4,206 |
| Equity capital to assets | 10.9815% | 2,883 |
| Core capital (leverage) ratio | 11.0938% | 2,172 |
| Tier 1 risk-based capital ratio | 12.1701% | 5,157 |
| Total risk-based capital ratio | 13.4212% | 5,131 |
| Memoranda: | ||
| Average total assets | $606,524,000 | 1,112 |
| Average earning assets | $527,494,670 | 1,171 |
| Average equity | $66,709,670 | 996 |
| Average total loans | $485,394,330 | 940 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1177% | 755 |
| Cost of funding earning assets | 1.2652% | 5,041 |
| Net interest margin | 4.8525% | 578 |
| Noninterest income to average assets | 0.6746% | 2,778 |
| Noninterest expense to average assets | 3.6931% | 1,533 |
| Loan and lease loss provision to assets | 0.3323% | 3,404 |
| Net operating income to assets | 0.6194% | 3,807 |
| Return on assets (ROA) | 0.6194% | 3,943 |
| Pretax return on assets | 0.9032% | 3,460 |
| Return on Equity (ROE) | 5.6270% | 4,049 |
| Retained earnings to average equity (ytd only) | 5.6270% | 2,801 |
| Net charge-offs to loans | 0.3470% | 3,022 |
| Credit loss provision to net charge-offs | 118.4834% | 2,948 |
| Earnings coverage of net charge-offs (x) | 4.4052% | 2,632 |
| Efficiency ratio | 74.9326% | 3,416 |
| Assets per employee ($millions) | 2.6291% | 6,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4092% | 4,378 |
| Loan loss allowance to noncurrent loans | 95.4099% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 2.2764% | 3,181 |
| Noncurrent loans to loans | 1.4770% | 4,525 |
| Net loans and leases to total assets | 79.3268% | 935 |
| Net loans and leases to deposits | 95.0164% | 1,232 |
| Net loans and leases to core deposits | 109.9618% | 1,273 |
| Total domestic deposits to total assets | 83.4875% | 4,391 |
| Equity capital to assets | 11.1558% | 2,628 |
| Core capital (leverage) ratio | 10.9135% | 2,285 |
| Tier 1 risk-based capital ratio | 12.0984% | 5,091 |
| Total risk-based capital ratio | 13.3486% | 5,055 |
| Memoranda: | ||
| Average total assets | $601,877,000 | 1,150 |
| Average earning assets | $527,647,000 | 1,205 |
| Average equity | $66,251,500 | 1,006 |
| Average total loans | $486,421,000 | 964 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4931% | 682 |
| Cost of funding earning assets | 1.6209% | 4,927 |
| Net interest margin | 4.8722% | 597 |
| Noninterest income to average assets | 0.6342% | 3,395 |
| Noninterest expense to average assets | 4.3941% | 878 |
| Loan and lease loss provision to assets | 1.1032% | 2,068 |
| Net operating income to assets | -0.2692% | 5,926 |
| Return on assets (ROA) | -0.2856% | 5,951 |
| Pretax return on assets | -0.6208% | 6,112 |
| Return on Equity (ROE) | -2.6095% | 5,936 |
| Retained earnings to average equity (ytd only) | -2.9452% | 5,691 |
| Net charge-offs to loans | 1.0747% | 2,269 |
| Credit loss provision to net charge-offs | 127.1410% | 4,077 |
| Earnings coverage of net charge-offs (x) | 0.5855% | 5,516 |
| Efficiency ratio | 89.6355% | 1,738 |
| Assets per employee ($millions) | 2.6161% | 7,013 |
| Cash dividends to net income (ytd only)* | -12.8645% | 7,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3698% | 4,387 |
| Loan loss allowance to noncurrent loans | 69.5981% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 2.1942% | 3,137 |
| Noncurrent loans to loans | 1.9681% | 3,697 |
| Net loans and leases to total assets | 80.0592% | 984 |
| Net loans and leases to deposits | 95.5766% | 1,379 |
| Net loans and leases to core deposits | 136.9302% | 916 |
| Total domestic deposits to total assets | 83.7645% | 4,147 |
| Equity capital to assets | 10.8603% | 2,808 |
| Core capital (leverage) ratio | 10.4794% | 2,633 |
| Tier 1 risk-based capital ratio | 11.8199% | 5,093 |
| Total risk-based capital ratio | 13.0685% | 5,063 |
| Memoranda: | ||
| Average total assets | $612,292,000 | 1,132 |
| Average earning assets | $536,369,600 | 1,180 |
| Average equity | $67,025,400 | 985 |
| Average total loans | $494,371,400 | 974 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5246% | 713 |
| Cost of funding earning assets | 1.6667% | 5,078 |
| Net interest margin | 4.8579% | 610 |
| Noninterest income to average assets | 0.6253% | 3,524 |
| Noninterest expense to average assets | 3.9390% | 1,371 |
| Loan and lease loss provision to assets | 0.9821% | 1,952 |
| Net operating income to assets | -0.0254% | 5,750 |
| Return on assets (ROA) | -0.0373% | 5,835 |
| Pretax return on assets | -0.0545% | 5,788 |
| Return on Equity (ROE) | -0.3404% | 5,835 |
| Retained earnings to average equity (ytd only) | -0.7856% | 5,431 |
| Net charge-offs to loans | 1.0473% | 1,887 |
| Credit loss provision to net charge-offs | 116.2940% | 4,368 |
| Earnings coverage of net charge-offs (x) | 1.1190% | 4,940 |
| Efficiency ratio | 80.6506% | 2,751 |
| Assets per employee ($millions) | 2.6055% | 7,038 |
| Cash dividends to net income (ytd only)* | -130.8115% | 8,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 5,164 |
| Loan loss allowance to noncurrent loans | 50.4955% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 2.4214% | 2,847 |
| Noncurrent loans to loans | 2.3594% | 3,195 |
| Net loans and leases to total assets | 80.0641% | 1,157 |
| Net loans and leases to deposits | 95.8931% | 1,590 |
| Net loans and leases to core deposits | 145.7076% | 704 |
| Total domestic deposits to total assets | 83.4931% | 3,967 |
| Equity capital to assets | 11.0466% | 2,973 |
| Core capital (leverage) ratio | 10.8395% | 2,536 |
| Tier 1 risk-based capital ratio | 11.8473% | 5,107 |
| Total risk-based capital ratio | 12.9273% | 5,216 |
| Memoranda: | ||
| Average total assets | $614,287,500 | 1,146 |
| Average earning assets | $538,523,750 | 1,186 |
| Average equity | $67,374,250 | 990 |
| Average total loans | $495,333,000 | 988 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5952% | 664 |
| Cost of funding earning assets | 1.7265% | 5,142 |
| Net interest margin | 4.8688% | 578 |
| Noninterest income to average assets | 0.6137% | 3,574 |
| Noninterest expense to average assets | 4.0754% | 1,221 |
| Loan and lease loss provision to assets | 1.2892% | 1,328 |
| Net operating income to assets | -0.3430% | 6,383 |
| Return on assets (ROA) | -0.3558% | 6,410 |
| Pretax return on assets | -0.5184% | 6,448 |
| Return on Equity (ROE) | -3.2518% | 6,396 |
| Retained earnings to average equity (ytd only) | -3.2518% | 6,011 |
| Net charge-offs to loans | 1.5614% | 1,211 |
| Credit loss provision to net charge-offs | 102.5614% | 4,459 |
| Earnings coverage of net charge-offs (x) | 0.6279% | 5,080 |
| Efficiency ratio | 83.7746% | 2,506 |
| Assets per employee ($millions) | 2.7057% | 6,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 5,565 |
| Loan loss allowance to noncurrent loans | 73.4627% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.7457% | 3,561 |
| Noncurrent loans to loans | 1.5053% | 4,237 |
| Net loans and leases to total assets | 76.5897% | 2,037 |
| Net loans and leases to deposits | 91.0095% | 2,655 |
| Net loans and leases to core deposits | 132.4688% | 1,406 |
| Total domestic deposits to total assets | 84.1556% | 3,671 |
| Equity capital to assets | 10.5544% | 3,337 |
| Core capital (leverage) ratio | 10.7318% | 2,628 |
| Tier 1 risk-based capital ratio | 11.7763% | 5,126 |
| Total risk-based capital ratio | 12.7697% | 5,285 |
| Memoranda: | ||
| Average total assets | $614,954,000 | 1,160 |
| Average earning assets | $536,934,330 | 1,204 |
| Average equity | $67,286,670 | 1,002 |
| Average total loans | $495,066,000 | 1,006 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4507% | 954 |
| Cost of funding earning assets | 1.7685% | 5,270 |
| Net interest margin | 4.6821% | 795 |
| Noninterest income to average assets | 0.6073% | 3,497 |
| Noninterest expense to average assets | 3.7399% | 1,580 |
| Loan and lease loss provision to assets | 0.0039% | 6,731 |
| Net operating income to assets | 0.7122% | 3,497 |
| Return on assets (ROA) | 0.7013% | 3,743 |
| Pretax return on assets | 1.0135% | 3,296 |
| Return on Equity (ROE) | 6.2947% | 3,906 |
| Retained earnings to average equity (ytd only) | 6.2947% | 2,502 |
| Net charge-offs to loans | 0.0032% | 5,685 |
| Credit loss provision to net charge-offs | 150.0000% | 2,773 |
| Earnings coverage of net charge-offs (x) | 393.0000% | 87 |
| Efficiency ratio | 78.3531% | 3,108 |
| Assets per employee ($millions) | 2.5615% | 7,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 5,722 |
| Loan loss allowance to noncurrent loans | 187.1322% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 1.0812% | 4,526 |
| Noncurrent loans to loans | 0.5686% | 5,995 |
| Net loans and leases to total assets | 81.1978% | 1,158 |
| Net loans and leases to deposits | 99.4531% | 1,483 |
| Net loans and leases to core deposits | 151.1916% | 669 |
| Total domestic deposits to total assets | 81.6443% | 4,700 |
| Equity capital to assets | 11.3132% | 2,709 |
| Core capital (leverage) ratio | 11.1533% | 2,376 |
| Tier 1 risk-based capital ratio | 12.0850% | 4,892 |
| Total risk-based capital ratio | 13.0539% | 5,037 |
| Memoranda: | ||
| Average total assets | $608,565,500 | 1,173 |
| Average earning assets | $541,464,000 | 1,198 |
| Average equity | $67,803,500 | 991 |
| Average total loans | $499,522,500 | 1,005 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8780% | 1,472 |
| Cost of funding earning assets | 2.1154% | 5,981 |
| Net interest margin | 4.7626% | 846 |
| Noninterest income to average assets | 0.6429% | 3,529 |
| Noninterest expense to average assets | 3.5208% | 2,340 |
| Loan and lease loss provision to assets | 0.0986% | 6,121 |
| Net operating income to assets | 0.9331% | 2,862 |
| Return on assets (ROA) | 0.9039% | 2,826 |
| Pretax return on assets | 1.3176% | 2,254 |
| Return on Equity (ROE) | 8.4825% | 2,852 |
| Retained earnings to average equity (ytd only) | 8.4825% | 710 |
| Net charge-offs to loans | 0.1213% | 5,032 |
| Credit loss provision to net charge-offs | 97.8618% | 5,450 |
| Earnings coverage of net charge-offs (x) | 14.4688% | 2,035 |
| Efficiency ratio | 70.7089% | 4,198 |
| Assets per employee ($millions) | 2.4903% | 7,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 5,634 |
| Loan loss allowance to noncurrent loans | 283.2528% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.9105% | 4,566 |
| Noncurrent loans to loans | 0.3704% | 6,247 |
| Net loans and leases to total assets | 81.2313% | 1,379 |
| Net loans and leases to deposits | 104.2488% | 1,318 |
| Net loans and leases to core deposits | 153.5223% | 734 |
| Total domestic deposits to total assets | 77.9206% | 5,741 |
| Equity capital to assets | 10.9721% | 3,066 |
| Core capital (leverage) ratio | 10.9526% | 2,624 |
| Tier 1 risk-based capital ratio | 11.6611% | 5,090 |
| Total risk-based capital ratio | 12.6116% | 5,274 |
| Memoranda: | ||
| Average total assets | $603,164,400 | 1,121 |
| Average earning assets | $549,171,800 | 1,120 |
| Average equity | $64,273,200 | 1,039 |
| Average total loans | $501,358,800 | 958 |