Home > Uvalde National Bank > Performance and Condition Ratios
Uvalde National Bank, Performance and Condition Ratios
| 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 | 4.3244% | 2,786 |
| Cost of funding earning assets | 0.3482% | 5,552 |
| Net interest margin | 3.9763% | 1,877 |
| Noninterest income to average assets | 0.4347% | 4,219 |
| Noninterest expense to average assets | 4.3767% | 589 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.6895% | 6,733 |
| Return on assets (ROA) | -0.6895% | 6,748 |
| Pretax return on assets | -0.6895% | 6,728 |
| Return on Equity (ROE) | -4.2134% | 6,666 |
| Retained earnings to average equity (ytd only) | -4.2134% | 6,300 |
| Net charge-offs to loans | 2.6758% | 146 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.5542% | 3,931 |
| Efficiency ratio | 118.6992% | 224 |
| Assets per employee ($millions) | 2.1566% | 6,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0721% | 610 |
| Loan loss allowance to noncurrent loans | 166.3594% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 1.5341% | 2,959 |
| Noncurrent loans to loans | 1.8467% | 2,803 |
| Net loans and leases to total assets | 44.0125% | 5,662 |
| Net loans and leases to deposits | 52.9250% | 5,530 |
| Net loans and leases to core deposits | 52.9250% | 5,752 |
| Total domestic deposits to total assets | 83.1601% | 4,806 |
| Equity capital to assets | 16.6699% | 471 |
| Core capital (leverage) ratio | 14.3931% | 695 |
| Tier 1 risk-based capital ratio | 26.4071% | 754 |
| Total risk-based capital ratio | 27.5143% | 750 |
| Memoranda: | ||
| Average total assets | $26,687,000 | 6,783 |
| Average earning assets | $21,829,500 | 6,817 |
| Average equity | $4,367,000 | 6,430 |
| Average total loans | $12,407,500 | 6,680 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3345% | 4,071 |
| Cost of funding earning assets | 0.3959% | 5,948 |
| Net interest margin | 3.9386% | 2,656 |
| Noninterest income to average assets | 0.4475% | 4,263 |
| Noninterest expense to average assets | 4.0825% | 886 |
| Loan and lease loss provision to assets | -0.5370% | 7,047 |
| Net operating income to assets | 0.2582% | 5,605 |
| Return on assets (ROA) | 0.3821% | 5,401 |
| Pretax return on assets | 0.3821% | 5,618 |
| Return on Equity (ROE) | 2.5286% | 5,740 |
| Retained earnings to average equity (ytd only) | 2.5286% | 4,446 |
| Net charge-offs to loans | 0.2821% | 3,251 |
| Credit loss provision to net charge-offs | -400.0000% | 6,485 |
| Earnings coverage of net charge-offs (x) | -2.0769% | 5,835 |
| Efficiency ratio | 107.3303% | 385 |
| Assets per employee ($millions) | 2.2913% | 6,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3987% | 469 |
| Loan loss allowance to noncurrent loans | 103.9813% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 1.5530% | 3,056 |
| Noncurrent loans to loans | 3.2685% | 1,569 |
| Net loans and leases to total assets | 45.8993% | 5,625 |
| Net loans and leases to deposits | 54.8100% | 5,569 |
| Net loans and leases to core deposits | 55.4165% | 5,760 |
| Total domestic deposits to total assets | 83.7425% | 4,422 |
| Equity capital to assets | 16.0757% | 544 |
| Core capital (leverage) ratio | 13.6727% | 892 |
| Tier 1 risk-based capital ratio | 25.0737% | 844 |
| Total risk-based capital ratio | 26.3394% | 831 |
| Memoranda: | ||
| Average total assets | $29,050,600 | 6,776 |
| Average earning assets | $24,754,800 | 6,795 |
| Average equity | $4,389,800 | 6,467 |
| Average total loans | $13,824,400 | 6,704 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2442% | 4,668 |
| Cost of funding earning assets | 0.4060% | 6,086 |
| Net interest margin | 3.8382% | 3,168 |
| Noninterest income to average assets | 0.4574% | 4,229 |
| Noninterest expense to average assets | 3.9674% | 981 |
| Loan and lease loss provision to assets | -0.7065% | 7,161 |
| Net operating income to assets | 0.4937% | 4,867 |
| Return on assets (ROA) | 0.6159% | 4,576 |
| Pretax return on assets | 0.6159% | 5,120 |
| Return on Equity (ROE) | 4.1378% | 5,240 |
| Retained earnings to average equity (ytd only) | 4.1378% | 3,994 |
| Net charge-offs to loans | 0.3901% | 2,535 |
| Credit loss provision to net charge-offs | -380.4878% | 6,405 |
| Earnings coverage of net charge-offs (x) | -1.1463% | 5,588 |
| Efficiency ratio | 105.6695% | 390 |
| Assets per employee ($millions) | 2.0334% | 6,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3126% | 543 |
| Loan loss allowance to noncurrent loans | 182.6446% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.8501% | 4,590 |
| Noncurrent loans to loans | 1.8137% | 3,059 |
| Net loans and leases to total assets | 45.3175% | 5,838 |
| Net loans and leases to deposits | 53.7878% | 5,822 |
| Net loans and leases to core deposits | 54.3589% | 6,023 |
| Total domestic deposits to total assets | 84.2525% | 4,100 |
| Equity capital to assets | 15.5684% | 695 |
| Core capital (leverage) ratio | 13.3023% | 1,073 |
| Tier 1 risk-based capital ratio | 24.4755% | 957 |
| Total risk-based capital ratio | 25.7681% | 944 |
| Memoranda: | ||
| Average total assets | $29,439,500 | 6,852 |
| Average earning assets | $25,288,750 | 6,865 |
| Average equity | $4,382,250 | 6,546 |
| Average total loans | $14,014,500 | 6,786 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2377% | 4,821 |
| Cost of funding earning assets | 0.4238% | 6,136 |
| Net interest margin | 3.8140% | 3,297 |
| Noninterest income to average assets | 0.4771% | 4,079 |
| Noninterest expense to average assets | 4.0654% | 872 |
| Loan and lease loss provision to assets | -1.0483% | 7,230 |
| Net operating income to assets | 0.7257% | 3,722 |
| Return on assets (ROA) | 0.9139% | 3,104 |
| Pretax return on assets | 0.9139% | 4,025 |
| Return on Equity (ROE) | 6.2304% | 4,192 |
| Retained earnings to average equity (ytd only) | 6.2304% | 2,547 |
| Net charge-offs to loans | 0.5057% | 2,067 |
| Credit loss provision to net charge-offs | -433.3333% | 6,260 |
| Earnings coverage of net charge-offs (x) | -1.3333% | 5,341 |
| Efficiency ratio | 108.6176% | 354 |
| Assets per employee ($millions) | 2.1123% | 7,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2933% | 598 |
| Loan loss allowance to noncurrent loans | 176.6798% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.8555% | 4,670 |
| Noncurrent loans to loans | 1.8640% | 3,130 |
| Net loans and leases to total assets | 44.3866% | 5,979 |
| Net loans and leases to deposits | 52.3887% | 6,001 |
| Net loans and leases to core deposits | 52.9189% | 6,167 |
| Total domestic deposits to total assets | 84.7254% | 3,987 |
| Equity capital to assets | 15.1292% | 754 |
| Core capital (leverage) ratio | 13.3414% | 1,040 |
| Tier 1 risk-based capital ratio | 23.8865% | 1,027 |
| Total risk-based capital ratio | 25.1536% | 1,008 |
| Memoranda: | ||
| Average total assets | $29,763,330 | 6,896 |
| Average earning assets | $25,485,330 | 6,916 |
| Average equity | $4,365,670 | 6,580 |
| Average total loans | $14,238,330 | 6,835 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3288% | 4,617 |
| Cost of funding earning assets | 0.4344% | 6,232 |
| Net interest margin | 3.8943% | 2,953 |
| Noninterest income to average assets | 0.4019% | 4,656 |
| Noninterest expense to average assets | 4.3002% | 663 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.5359% | 6,845 |
| Return on assets (ROA) | -0.2277% | 6,705 |
| Pretax return on assets | -0.2277% | 6,684 |
| Return on Equity (ROE) | -1.5772% | 6,658 |
| Retained earnings to average equity (ytd only) | -1.5772% | 6,223 |
| Net charge-offs to loans | 0.0549% | 3,948 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -20.0000% | 4,705 |
| Efficiency ratio | 114.2349% | 283 |
| Assets per employee ($millions) | 2.1332% | 7,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5120% | 247 |
| Loan loss allowance to noncurrent loans | 289.5455% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.7366% | 5,076 |
| Noncurrent loans to loans | 1.5583% | 3,774 |
| Net loans and leases to total assets | 45.1398% | 5,882 |
| Net loans and leases to deposits | 52.7075% | 5,926 |
| Net loans and leases to core deposits | 53.2299% | 6,114 |
| Total domestic deposits to total assets | 85.6421% | 3,723 |
| Equity capital to assets | 14.2575% | 937 |
| Core capital (leverage) ratio | 12.5095% | 1,339 |
| Tier 1 risk-based capital ratio | 22.0012% | 1,284 |
| Total risk-based capital ratio | 23.2543% | 1,255 |
| Memoranda: | ||
| Average total assets | $29,859,000 | 6,953 |
| Average earning assets | $25,781,000 | 6,963 |
| Average equity | $4,311,500 | 6,633 |
| Average total loans | $14,571,000 | 6,883 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1288% | 2,335 |
| Cost of funding earning assets | 0.7025% | 5,522 |
| Net interest margin | 4.4263% | 1,324 |
| Noninterest income to average assets | 0.5244% | 3,687 |
| Noninterest expense to average assets | 4.3054% | 716 |
| Loan and lease loss provision to assets | -0.0785% | 7,263 |
| Net operating income to assets | 0.1759% | 5,656 |
| Return on assets (ROA) | 0.3172% | 5,347 |
| Pretax return on assets | 0.3172% | 5,519 |
| Return on Equity (ROE) | 2.3887% | 5,512 |
| Retained earnings to average equity (ytd only) | 2.3887% | 4,525 |
| Net charge-offs to loans | 0.5701% | 2,743 |
| Credit loss provision to net charge-offs | -25.2525% | 6,636 |
| Earnings coverage of net charge-offs (x) | 0.3131% | 5,589 |
| Efficiency ratio | 97.7889% | 734 |
| Assets per employee ($millions) | 1.9902% | 7,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2532% | 310 |
| Loan loss allowance to noncurrent loans | 271.9149% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.7872% | 5,060 |
| Noncurrent loans to loans | 1.5642% | 3,817 |
| Net loans and leases to total assets | 48.1861% | 5,807 |
| Net loans and leases to deposits | 56.5381% | 5,832 |
| Net loans and leases to core deposits | 57.0992% | 6,070 |
| Total domestic deposits to total assets | 85.2276% | 3,732 |
| Equity capital to assets | 14.6216% | 868 |
| Core capital (leverage) ratio | 12.2427% | 1,465 |
| Tier 1 risk-based capital ratio | 20.8659% | 1,442 |
| Total risk-based capital ratio | 22.1520% | 1,414 |
| Memoranda: | ||
| Average total assets | $31,843,600 | 6,924 |
| Average earning assets | $27,901,200 | 6,927 |
| Average equity | $4,228,200 | 6,688 |
| Average total loans | $17,366,200 | 6,787 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2170% | 2,141 |
| Cost of funding earning assets | 0.7540% | 5,444 |
| Net interest margin | 4.4630% | 1,237 |
| Noninterest income to average assets | 0.4782% | 4,060 |
| Noninterest expense to average assets | 4.1061% | 893 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3009% | 5,392 |
| Return on assets (ROA) | 0.4205% | 5,093 |
| Pretax return on assets | 0.4205% | 5,403 |
| Return on Equity (ROE) | 3.2427% | 5,333 |
| Retained earnings to average equity (ytd only) | 3.2427% | 4,409 |
| Net charge-offs to loans | 0.4605% | 2,891 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1.1775% | 4,740 |
| Efficiency ratio | 93.1712% | 958 |
| Assets per employee ($millions) | 2.2439% | 7,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4418% | 276 |
| Loan loss allowance to noncurrent loans | 269.6154% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.8277% | 5,113 |
| Noncurrent loans to loans | 1.6474% | 3,823 |
| Net loans and leases to total assets | 48.0073% | 5,954 |
| Net loans and leases to deposits | 55.9032% | 6,045 |
| Net loans and leases to core deposits | 55.9032% | 6,327 |
| Total domestic deposits to total assets | 85.8757% | 3,285 |
| Equity capital to assets | 13.9587% | 1,168 |
| Core capital (leverage) ratio | 11.9449% | 1,733 |
| Tier 1 risk-based capital ratio | 19.9265% | 1,706 |
| Total risk-based capital ratio | 21.2096% | 1,668 |
| Memoranda: | ||
| Average total assets | $32,341,250 | 6,973 |
| Average earning assets | $28,470,250 | 6,980 |
| Average equity | $4,194,000 | 6,750 |
| Average total loans | $17,951,750 | 6,823 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2813% | 1,946 |
| Cost of funding earning assets | 0.7971% | 5,387 |
| Net interest margin | 4.4843% | 1,175 |
| Noninterest income to average assets | 0.4778% | 4,042 |
| Noninterest expense to average assets | 4.0428% | 985 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3982% | 4,958 |
| Return on assets (ROA) | 0.5145% | 4,581 |
| Pretax return on assets | 0.5145% | 5,013 |
| Return on Equity (ROE) | 4.0675% | 4,910 |
| Retained earnings to average equity (ytd only) | 4.0675% | 3,613 |
| Net charge-offs to loans | 0.4391% | 2,817 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.5854% | 4,098 |
| Efficiency ratio | 91.0345% | 1,161 |
| Assets per employee ($millions) | 2.0490% | 7,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1587% | 371 |
| Loan loss allowance to noncurrent loans | 246.4164% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.9533% | 4,951 |
| Noncurrent loans to loans | 1.6877% | 3,897 |
| Net loans and leases to total assets | 54.1370% | 5,274 |
| Net loans and leases to deposits | 62.8503% | 5,407 |
| Net loans and leases to core deposits | 63.8145% | 5,743 |
| Total domestic deposits to total assets | 86.1363% | 3,255 |
| Equity capital to assets | 13.7205% | 1,198 |
| Core capital (leverage) ratio | 11.5132% | 1,904 |
| Tier 1 risk-based capital ratio | 18.8602% | 1,887 |
| Total risk-based capital ratio | 20.1377% | 1,844 |
| Memoranda: | ||
| Average total assets | $32,650,330 | 7,023 |
| Average earning assets | $28,856,330 | 7,037 |
| Average equity | $4,130,330 | 6,808 |
| Average total loans | $18,675,000 | 6,853 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2059% | 2,204 |
| Cost of funding earning assets | 0.8431% | 5,312 |
| Net interest margin | 4.3628% | 1,385 |
| Noninterest income to average assets | 0.3809% | 4,867 |
| Noninterest expense to average assets | 3.9514% | 1,097 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3095% | 5,363 |
| Return on assets (ROA) | 0.3095% | 5,433 |
| Pretax return on assets | 0.3095% | 5,628 |
| Return on Equity (ROE) | 2.5447% | 5,584 |
| Retained earnings to average equity (ytd only) | 2.5447% | 4,636 |
| Net charge-offs to loans | 0.2897% | 2,898 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.8571% | 3,376 |
| Efficiency ratio | 92.7374% | 1,117 |
| Assets per employee ($millions) | 2.3683% | 7,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0900% | 397 |
| Loan loss allowance to noncurrent loans | 231.8885% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.9742% | 4,951 |
| Noncurrent loans to loans | 1.7638% | 3,873 |
| Net loans and leases to total assets | 52.9738% | 5,456 |
| Net loans and leases to deposits | 60.6157% | 5,660 |
| Net loans and leases to core deposits | 65.4811% | 5,568 |
| Total domestic deposits to total assets | 87.3929% | 2,714 |
| Equity capital to assets | 12.4713% | 1,644 |
| Core capital (leverage) ratio | 10.7672% | 2,387 |
| Tier 1 risk-based capital ratio | 17.7586% | 2,196 |
| Total risk-based capital ratio | 19.0310% | 2,152 |
| Memoranda: | ||
| Average total assets | $33,608,000 | 7,048 |
| Average earning assets | $29,889,000 | 7,052 |
| Average equity | $4,087,000 | 6,853 |
| Average total loans | $19,332,000 | 6,879 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2412% | 521 |
| Cost of funding earning assets | 1.2338% | 4,330 |
| Net interest margin | 5.0074% | 424 |
| Noninterest income to average assets | 0.2162% | 6,265 |
| Noninterest expense to average assets | 4.3711% | 750 |
| Loan and lease loss provision to assets | 0.9040% | 1,808 |
| Net operating income to assets | -0.5811% | 6,437 |
| Return on assets (ROA) | -0.5811% | 6,467 |
| Pretax return on assets | -0.5811% | 6,385 |
| Return on Equity (ROE) | -4.9347% | 6,429 |
| Retained earnings to average equity (ytd only) | -4.9347% | 6,292 |
| Net charge-offs to loans | 1.1671% | 1,909 |
| Credit loss provision to net charge-offs | 109.1525% | 4,043 |
| Earnings coverage of net charge-offs (x) | 0.3898% | 5,716 |
| Efficiency ratio | 93.1220% | 1,110 |
| Assets per employee ($millions) | 1.8922% | 7,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7492% | 499 |
| Loan loss allowance to noncurrent loans | 294.5946% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.7604% | 5,492 |
| Noncurrent loans to loans | 1.2727% | 4,591 |
| Net loans and leases to total assets | 57.5103% | 5,110 |
| Net loans and leases to deposits | 65.3805% | 5,467 |
| Net loans and leases to core deposits | 75.2198% | 4,829 |
| Total domestic deposits to total assets | 87.9624% | 2,268 |
| Equity capital to assets | 11.8585% | 2,000 |
| Core capital (leverage) ratio | 10.3672% | 2,702 |
| Tier 1 risk-based capital ratio | 16.2802% | 2,624 |
| Total risk-based capital ratio | 17.5432% | 2,575 |
| Memoranda: | ||
| Average total assets | $35,620,600 | 7,020 |
| Average earning assets | $31,852,600 | 7,025 |
| Average equity | $4,194,800 | 6,923 |
| Average total loans | $25,276,600 | 6,657 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4177% | 394 |
| Cost of funding earning assets | 1.2943% | 4,251 |
| Net interest margin | 5.1234% | 339 |
| Noninterest income to average assets | 0.1703% | 6,665 |
| Noninterest expense to average assets | 4.3727% | 680 |
| Loan and lease loss provision to assets | 0.6146% | 2,482 |
| Net operating income to assets | -0.2295% | 6,356 |
| Return on assets (ROA) | -0.2295% | 6,410 |
| Pretax return on assets | -0.2295% | 6,341 |
| Return on Equity (ROE) | -1.9524% | 6,397 |
| Retained earnings to average equity (ytd only) | -1.9524% | 6,196 |
| Net charge-offs to loans | 0.8249% | 2,389 |
| Credit loss provision to net charge-offs | 101.2195% | 4,264 |
| Earnings coverage of net charge-offs (x) | 0.6341% | 5,403 |
| Efficiency ratio | 91.9066% | 1,135 |
| Assets per employee ($millions) | 1.9696% | 7,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9742% | 841 |
| Loan loss allowance to noncurrent loans | 84.8276% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 2.5983% | 2,780 |
| Noncurrent loans to loans | 3.5062% | 2,256 |
| Net loans and leases to total assets | 71.9022% | 2,271 |
| Net loans and leases to deposits | 82.5165% | 3,008 |
| Net loans and leases to core deposits | 95.3163% | 2,345 |
| Total domestic deposits to total assets | 87.1368% | 2,455 |
| Equity capital to assets | 12.5825% | 1,821 |
| Core capital (leverage) ratio | 10.6806% | 2,526 |
| Tier 1 risk-based capital ratio | 13.8766% | 3,936 |
| Total risk-based capital ratio | 15.0425% | 3,944 |
| Memoranda: | ||
| Average total assets | $36,010,750 | 7,096 |
| Average earning assets | $32,243,250 | 7,089 |
| Average equity | $4,233,750 | 6,998 |
| Average total loans | $26,508,000 | 6,679 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4137% | 399 |
| Cost of funding earning assets | 1.3563% | 4,153 |
| Net interest margin | 5.0574% | 371 |
| Noninterest income to average assets | 0.1737% | 6,666 |
| Noninterest expense to average assets | 4.3470% | 682 |
| Loan and lease loss provision to assets | 0.7489% | 1,931 |
| Net operating income to assets | -0.4993% | 6,650 |
| Return on assets (ROA) | -0.4993% | 6,692 |
| Pretax return on assets | -0.3690% | 6,490 |
| Return on Equity (ROE) | -4.3389% | 6,641 |
| Retained earnings to average equity (ytd only) | -4.3389% | 6,479 |
| Net charge-offs to loans | 0.7831% | 2,290 |
| Credit loss provision to net charge-offs | 130.1887% | 3,091 |
| Earnings coverage of net charge-offs (x) | 0.6604% | 5,085 |
| Efficiency ratio | 91.9633% | 1,190 |
| Assets per employee ($millions) | 1.8137% | 7,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8970% | 921 |
| Loan loss allowance to noncurrent loans | 128.4281% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 1.7353% | 3,846 |
| Noncurrent loans to loans | 2.2558% | 3,419 |
| Net loans and leases to total assets | 74.7011% | 1,765 |
| Net loans and leases to deposits | 85.3260% | 2,630 |
| Net loans and leases to core deposits | 111.3890% | 1,069 |
| Total domestic deposits to total assets | 87.5479% | 2,233 |
| Equity capital to assets | 12.1764% | 1,994 |
| Core capital (leverage) ratio | 10.2655% | 2,878 |
| Tier 1 risk-based capital ratio | 13.4264% | 4,118 |
| Total risk-based capital ratio | 14.6764% | 4,082 |
| Memoranda: | ||
| Average total assets | $36,853,330 | 7,118 |
| Average earning assets | $33,179,000 | 7,105 |
| Average equity | $4,240,670 | 7,034 |
| Average total loans | $27,073,000 | 6,686 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4129% | 420 |
| Cost of funding earning assets | 1.4316% | 3,980 |
| Net interest margin | 4.9814% | 434 |
| Noninterest income to average assets | 0.2733% | 5,970 |
| Noninterest expense to average assets | 4.4258% | 626 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2102% | 5,647 |
| Return on assets (ROA) | 0.2102% | 5,766 |
| Pretax return on assets | 0.3469% | 5,467 |
| Return on Equity (ROE) | 1.8766% | 5,812 |
| Retained earnings to average equity (ytd only) | 1.8766% | 4,994 |
| Net charge-offs to loans | 1.0821% | 1,542 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.4459% | 4,626 |
| Efficiency ratio | 92.7313% | 1,223 |
| Assets per employee ($millions) | 2.0204% | 7,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4690% | 1,337 |
| Loan loss allowance to noncurrent loans | 140.8511% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 1.2924% | 4,595 |
| Noncurrent loans to loans | 1.7529% | 4,121 |
| Net loans and leases to total assets | 71.9086% | 2,469 |
| Net loans and leases to deposits | 81.6836% | 3,339 |
| Net loans and leases to core deposits | 109.1717% | 1,338 |
| Total domestic deposits to total assets | 88.0331% | 2,038 |
| Equity capital to assets | 11.7717% | 2,185 |
| Core capital (leverage) ratio | 10.0411% | 3,113 |
| Tier 1 risk-based capital ratio | 13.2361% | 4,180 |
| Total risk-based capital ratio | 14.4078% | 4,194 |
| Memoranda: | ||
| Average total assets | $38,050,000 | 7,159 |
| Average earning assets | $34,368,000 | 7,151 |
| Average equity | $4,263,000 | 7,091 |
| Average total loans | $27,354,500 | 6,754 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5497% | 608 |
| Cost of funding earning assets | 1.7873% | 4,056 |
| Net interest margin | 4.7625% | 750 |
| Noninterest income to average assets | 0.4575% | 4,740 |
| Noninterest expense to average assets | 4.0406% | 1,307 |
| Loan and lease loss provision to assets | 1.8101% | 1,247 |
| Net operating income to assets | -1.0312% | 6,592 |
| Return on assets (ROA) | -0.8902% | 6,504 |
| Pretax return on assets | -0.8902% | 6,339 |
| Return on Equity (ROE) | -8.6780% | 6,520 |
| Retained earnings to average equity (ytd only) | -8.6780% | 6,409 |
| Net charge-offs to loans | 1.8870% | 1,316 |
| Credit loss provision to net charge-offs | 128.1961% | 4,029 |
| Earnings coverage of net charge-offs (x) | 0.5517% | 5,557 |
| Efficiency ratio | 83.8379% | 2,369 |
| Assets per employee ($millions) | 2.3372% | 7,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6384% | 1,082 |
| Loan loss allowance to noncurrent loans | 145.1677% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 1.2760% | 4,535 |
| Noncurrent loans to loans | 1.8175% | 3,900 |
| Net loans and leases to total assets | 68.3563% | 3,622 |
| Net loans and leases to deposits | 76.6820% | 4,631 |
| Net loans and leases to core deposits | 171.4105% | 224 |
| Total domestic deposits to total assets | 89.1425% | 1,415 |
| Equity capital to assets | 10.6838% | 2,980 |
| Core capital (leverage) ratio | 8.9562% | 4,496 |
| Tier 1 risk-based capital ratio | 12.4132% | 4,583 |
| Total risk-based capital ratio | 13.6549% | 4,556 |
| Memoranda: | ||
| Average total assets | $40,439,800 | 7,077 |
| Average earning assets | $37,039,600 | 7,055 |
| Average equity | $4,148,400 | 7,232 |
| Average total loans | $30,260,000 | 6,611 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6690% | 538 |
| Cost of funding earning assets | 1.8361% | 4,214 |
| Net interest margin | 4.8330% | 648 |
| Noninterest income to average assets | 0.4464% | 4,924 |
| Noninterest expense to average assets | 3.9950% | 1,277 |
| Loan and lease loss provision to assets | 0.6959% | 2,646 |
| Net operating income to assets | 0.1970% | 5,169 |
| Return on assets (ROA) | 0.2889% | 4,938 |
| Pretax return on assets | 0.2889% | 5,093 |
| Return on Equity (ROE) | 2.8449% | 4,858 |
| Retained earnings to average equity (ytd only) | 2.8449% | 3,741 |
| Net charge-offs to loans | 0.8816% | 2,204 |
| Credit loss provision to net charge-offs | 103.9216% | 4,891 |
| Earnings coverage of net charge-offs (x) | 1.3334% | 4,787 |
| Efficiency ratio | 81.7327% | 2,618 |
| Assets per employee ($millions) | 2.0914% | 7,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9618% | 1,889 |
| Loan loss allowance to noncurrent loans | 146.1153% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 1.0041% | 5,067 |
| Noncurrent loans to loans | 1.3426% | 4,692 |
| Net loans and leases to total assets | 73.3196% | 2,706 |
| Net loans and leases to deposits | 82.5050% | 3,918 |
| Net loans and leases to core deposits | 183.2390% | 169 |
| Total domestic deposits to total assets | 88.8668% | 1,261 |
| Equity capital to assets | 10.9243% | 3,086 |
| Core capital (leverage) ratio | 8.9215% | 4,777 |
| Tier 1 risk-based capital ratio | 11.7321% | 5,215 |
| Total risk-based capital ratio | 12.9479% | 5,194 |
| Memoranda: | ||
| Average total assets | $40,616,500 | 7,117 |
| Average earning assets | $37,325,750 | 7,102 |
| Average equity | $4,124,250 | 7,313 |
| Average total loans | $30,851,000 | 6,634 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6526% | 598 |
| Cost of funding earning assets | 1.8772% | 4,381 |
| Net interest margin | 4.7754% | 691 |
| Noninterest income to average assets | 0.4351% | 4,983 |
| Noninterest expense to average assets | 3.9404% | 1,413 |
| Loan and lease loss provision to assets | 0.1467% | 5,609 |
| Net operating income to assets | 0.7382% | 3,102 |
| Return on assets (ROA) | 0.6355% | 3,642 |
| Pretax return on assets | 0.6355% | 4,216 |
| Return on Equity (ROE) | 6.4166% | 3,474 |
| Retained earnings to average equity (ytd only) | 6.4166% | 1,838 |
| Net charge-offs to loans | 0.5380% | 2,718 |
| Credit loss provision to net charge-offs | 35.7143% | 5,961 |
| Earnings coverage of net charge-offs (x) | 2.1548% | 3,995 |
| Efficiency ratio | 81.6616% | 2,769 |
| Assets per employee ($millions) | 2.0080% | 7,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7104% | 2,303 |
| Loan loss allowance to noncurrent loans | 192.2509% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.6427% | 5,810 |
| Noncurrent loans to loans | 0.8897% | 5,435 |
| Net loans and leases to total assets | 71.0000% | 3,464 |
| Net loans and leases to deposits | 79.1728% | 4,674 |
| Net loans and leases to core deposits | 179.9603% | 219 |
| Total domestic deposits to total assets | 89.6773% | 968 |
| Equity capital to assets | 10.0358% | 3,891 |
| Core capital (leverage) ratio | 8.8113% | 4,930 |
| Tier 1 risk-based capital ratio | 11.3753% | 5,528 |
| Total risk-based capital ratio | 12.6442% | 5,411 |
| Memoranda: | ||
| Average total assets | $40,909,670 | 7,169 |
| Average earning assets | $37,609,330 | 7,154 |
| Average equity | $4,052,000 | 7,389 |
| Average total loans | $31,228,670 | 6,657 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8124% | 474 |
| Cost of funding earning assets | 1.9896% | 4,186 |
| Net interest margin | 4.8227% | 580 |
| Noninterest income to average assets | 0.4369% | 4,896 |
| Noninterest expense to average assets | 3.8431% | 1,396 |
| Loan and lease loss provision to assets | 0.1490% | 5,028 |
| Net operating income to assets | 0.8739% | 2,824 |
| Return on assets (ROA) | 0.8739% | 2,974 |
| Pretax return on assets | 0.8739% | 3,814 |
| Return on Equity (ROE) | 8.8844% | 2,770 |
| Retained earnings to average equity (ytd only) | 8.8844% | 1,518 |
| Net charge-offs to loans | 0.7339% | 1,718 |
| Credit loss provision to net charge-offs | 25.8621% | 4,997 |
| Earnings coverage of net charge-offs (x) | 1.7759% | 3,843 |
| Efficiency ratio | 78.9796% | 3,006 |
| Assets per employee ($millions) | 2.0816% | 7,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7318% | 2,033 |
| Loan loss allowance to noncurrent loans | 246.2963% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.5461% | 5,837 |
| Noncurrent loans to loans | 0.7031% | 5,656 |
| Net loans and leases to total assets | 76.3262% | 2,201 |
| Net loans and leases to deposits | 85.2957% | 3,758 |
| Net loans and leases to core deposits | 190.2142% | 180 |
| Total domestic deposits to total assets | 89.4842% | 1,018 |
| Equity capital to assets | 10.2908% | 3,663 |
| Core capital (leverage) ratio | 8.8532% | 4,908 |
| Tier 1 risk-based capital ratio | 11.2234% | 5,679 |
| Total risk-based capital ratio | 12.4493% | 5,621 |
| Memoranda: | ||
| Average total assets | $40,280,000 | 7,234 |
| Average earning assets | $36,991,500 | 7,217 |
| Average equity | $3,962,000 | 7,468 |
| Average total loans | $31,612,500 | 6,673 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3176% | 575 |
| Cost of funding earning assets | 3.0535% | 1,668 |
| Net interest margin | 4.2641% | 2,086 |
| Noninterest income to average assets | 0.4836% | 4,770 |
| Noninterest expense to average assets | 3.7152% | 1,925 |
| Loan and lease loss provision to assets | 0.4654% | 2,971 |
| Net operating income to assets | 0.0000% | 6,365 |
| Return on assets (ROA) | 0.0000% | 6,229 |
| Pretax return on assets | 0.1950% | 5,743 |
| Return on Equity (ROE) | 0.0000% | 6,230 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,238 |
| Net charge-offs to loans | 0.1599% | 4,593 |
| Credit loss provision to net charge-offs | 397.7778% | 1,104 |
| Earnings coverage of net charge-offs (x) | 5.6444% | 3,574 |
| Efficiency ratio | 84.9079% | 1,961 |
| Assets per employee ($millions) | 2.0505% | 7,865 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7689% | 1,708 |
| Loan loss allowance to noncurrent loans | 104.9270% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.3363% | 3,542 |
| Noncurrent loans to loans | 1.6858% | 3,240 |
| Net loans and leases to total assets | 77.8615% | 2,176 |
| Net loans and leases to deposits | 90.2235% | 3,415 |
| Net loans and leases to core deposits | 207.8841% | 145 |
| Total domestic deposits to total assets | 86.2985% | 2,261 |
| Equity capital to assets | 9.3977% | 4,823 |
| Core capital (leverage) ratio | 8.3350% | 5,883 |
| Tier 1 risk-based capital ratio | 9.9670% | 6,770 |
| Total risk-based capital ratio | 11.2066% | 6,674 |
| Memoranda: | ||
| Average total assets | $38,464,000 | 7,281 |
| Average earning assets | $35,107,200 | 7,279 |
| Average equity | $3,553,800 | 7,658 |
| Average total loans | $28,139,000 | 6,835 |