Home > Valley Bank > Performance and Condition Ratios
Valley Bank, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9900% | 3,729 |
| Cost of funding earning assets | 1.2472% | 79 |
| Net interest margin | 2.7428% | 6,039 |
| Noninterest income to average assets | 3.0796% | 178 |
| Noninterest expense to average assets | 4.3762% | 512 |
| Loan and lease loss provision to assets | 4.8601% | 9 |
| Net operating income to assets | -3.7464% | 6,700 |
| Return on assets (ROA) | -3.7245% | 6,699 |
| Pretax return on assets | -3.7245% | 6,699 |
| Return on Equity (ROE) | -346.7478% | 6,726 |
| Retained earnings to average equity (ytd only) | -346.7478% | 6,726 |
| Net charge-offs to loans | 1.5273% | 209 |
| Credit loss provision to net charge-offs | 494.8498% | 556 |
| Earnings coverage of net charge-offs (x) | 1.1339% | 3,170 |
| Efficiency ratio | 79.5608% | 2,267 |
| Assets per employee ($millions) | 3.1479% | 5,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.7341% | 4 |
| Loan loss allowance to noncurrent loans | 68.1602% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 13.0577% | 59 |
| Noncurrent loans to loans | 17.2155% | 28 |
| Net loans and leases to total assets | 55.7549% | 4,173 |
| Net loans and leases to deposits | 70.7006% | 3,513 |
| Net loans and leases to core deposits | 71.5768% | 3,915 |
| Total domestic deposits to total assets | 78.8606% | 5,709 |
| Equity capital to assets | 0.6960% | 6,726 |
| Core capital (leverage) ratio | 0.6500% | 6,726 |
| Tier 1 risk-based capital ratio | 1.0731% | 6,726 |
| Total risk-based capital ratio | 2.1462% | 6,726 |
| Memoranda: | ||
| Average total assets | $474,479,000 | 1,416 |
| Average earning assets | $416,942,000 | 1,481 |
| Average equity | $5,096,500 | 5,974 |
| Average total loans | $305,108,500 | 1,420 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2204% | 3,269 |
| Cost of funding earning assets | 1.1561% | 221 |
| Net interest margin | 3.0642% | 5,422 |
| Noninterest income to average assets | 1.9074% | 423 |
| Noninterest expense to average assets | 4.0607% | 815 |
| Loan and lease loss provision to assets | 2.4960% | 29 |
| Net operating income to assets | -1.9346% | 6,709 |
| Return on assets (ROA) | -1.9320% | 6,707 |
| Pretax return on assets | -1.9226% | 6,703 |
| Return on Equity (ROE) | -65.7876% | 6,791 |
| Retained earnings to average equity (ytd only) | -65.7876% | 6,789 |
| Net charge-offs to loans | 2.2739% | 140 |
| Credit loss provision to net charge-offs | 164.3137% | 1,386 |
| Earnings coverage of net charge-offs (x) | 0.3757% | 4,954 |
| Efficiency ratio | 87.5236% | 1,266 |
| Assets per employee ($millions) | 3.2834% | 5,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0812% | 14 |
| Loan loss allowance to noncurrent loans | 104.6841% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 7.6643% | 206 |
| Noncurrent loans to loans | 8.6749% | 161 |
| Net loans and leases to total assets | 59.4222% | 3,808 |
| Net loans and leases to deposits | 74.8367% | 3,127 |
| Net loans and leases to core deposits | 75.7563% | 3,632 |
| Total domestic deposits to total assets | 79.4025% | 5,576 |
| Equity capital to assets | 1.4245% | 6,798 |
| Core capital (leverage) ratio | 1.4888% | 6,804 |
| Tier 1 risk-based capital ratio | 2.2447% | 6,805 |
| Total risk-based capital ratio | 3.5849% | 6,804 |
| Memoranda: | ||
| Average total assets | $537,177,400 | 1,238 |
| Average earning assets | $477,543,000 | 1,278 |
| Average equity | $15,775,000 | 3,742 |
| Average total loans | $358,857,800 | 1,191 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2814% | 3,072 |
| Cost of funding earning assets | 1.1409% | 251 |
| Net interest margin | 3.1405% | 5,191 |
| Noninterest income to average assets | 1.9814% | 426 |
| Noninterest expense to average assets | 4.0825% | 784 |
| Loan and lease loss provision to assets | 0.6417% | 358 |
| Net operating income to assets | -0.1311% | 6,415 |
| Return on assets (ROA) | -0.1291% | 6,442 |
| Pretax return on assets | 0.0562% | 6,254 |
| Return on Equity (ROE) | -3.9409% | 6,569 |
| Retained earnings to average equity (ytd only) | -3.9409% | 6,438 |
| Net charge-offs to loans | 1.4268% | 342 |
| Credit loss provision to net charge-offs | 66.9967% | 3,132 |
| Earnings coverage of net charge-offs (x) | 0.7253% | 4,608 |
| Efficiency ratio | 85.3107% | 1,432 |
| Assets per employee ($millions) | 3.5080% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6102% | 33 |
| Loan loss allowance to noncurrent loans | 75.6865% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 7.3848% | 264 |
| Noncurrent loans to loans | 8.7336% | 190 |
| Net loans and leases to total assets | 60.9053% | 3,541 |
| Net loans and leases to deposits | 77.2494% | 2,784 |
| Net loans and leases to core deposits | 78.1925% | 3,336 |
| Total domestic deposits to total assets | 78.8424% | 5,775 |
| Equity capital to assets | 3.1729% | 6,840 |
| Core capital (leverage) ratio | 3.1869% | 6,854 |
| Tier 1 risk-based capital ratio | 4.7549% | 6,849 |
| Total risk-based capital ratio | 6.0656% | 6,848 |
| Memoranda: | ||
| Average total assets | $548,342,750 | 1,222 |
| Average earning assets | $488,146,000 | 1,262 |
| Average equity | $17,964,750 | 3,463 |
| Average total loans | $368,098,250 | 1,164 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3741% | 2,661 |
| Cost of funding earning assets | 1.1282% | 294 |
| Net interest margin | 3.2459% | 4,787 |
| Noninterest income to average assets | 1.9790% | 451 |
| Noninterest expense to average assets | 3.9156% | 962 |
| Loan and lease loss provision to assets | 0.1735% | 2,171 |
| Net operating income to assets | 0.5211% | 4,713 |
| Return on assets (ROA) | 0.5218% | 4,874 |
| Pretax return on assets | 0.7799% | 4,389 |
| Return on Equity (ROE) | 15.7714% | 694 |
| Retained earnings to average equity (ytd only) | 15.7714% | 200 |
| Net charge-offs to loans | 1.9537% | 233 |
| Credit loss provision to net charge-offs | 13.1085% | 3,855 |
| Earnings coverage of net charge-offs (x) | 0.7196% | 4,282 |
| Efficiency ratio | 80.2972% | 2,114 |
| Assets per employee ($millions) | 3.5746% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4720% | 86 |
| Loan loss allowance to noncurrent loans | 116.9564% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 4.7873% | 659 |
| Noncurrent loans to loans | 4.6787% | 727 |
| Net loans and leases to total assets | 64.4012% | 2,852 |
| Net loans and leases to deposits | 81.0974% | 2,167 |
| Net loans and leases to core deposits | 82.0781% | 2,792 |
| Total domestic deposits to total assets | 79.4121% | 5,734 |
| Equity capital to assets | 3.2777% | 6,889 |
| Core capital (leverage) ratio | 3.5007% | 6,885 |
| Tier 1 risk-based capital ratio | 4.8573% | 6,900 |
| Total risk-based capital ratio | 6.1560% | 6,900 |
| Memoranda: | ||
| Average total assets | $555,724,000 | 1,204 |
| Average earning assets | $494,587,670 | 1,239 |
| Average equity | $18,387,670 | 3,410 |
| Average total loans | $376,408,670 | 1,133 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4378% | 2,392 |
| Cost of funding earning assets | 1.1375% | 308 |
| Net interest margin | 3.3003% | 4,517 |
| Noninterest income to average assets | 1.7377% | 528 |
| Noninterest expense to average assets | 3.6614% | 1,316 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7201% | 3,589 |
| Return on assets (ROA) | 0.7232% | 3,711 |
| Pretax return on assets | 1.0051% | 3,325 |
| Return on Equity (ROE) | 21.7541% | 209 |
| Retained earnings to average equity (ytd only) | 21.7541% | 104 |
| Net charge-offs to loans | 0.5659% | 1,074 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.6189% | 2,986 |
| Efficiency ratio | 78.3792% | 2,552 |
| Assets per employee ($millions) | 3.3856% | 5,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2182% | 63 |
| Loan loss allowance to noncurrent loans | 211.6978% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 3.7754% | 1,093 |
| Noncurrent loans to loans | 2.9373% | 1,711 |
| Net loans and leases to total assets | 64.0975% | 2,687 |
| Net loans and leases to deposits | 80.5624% | 2,012 |
| Net loans and leases to core deposits | 81.5863% | 2,628 |
| Total domestic deposits to total assets | 79.5625% | 5,851 |
| Equity capital to assets | 3.4445% | 6,959 |
| Core capital (leverage) ratio | 3.4491% | 6,953 |
| Tier 1 risk-based capital ratio | 4.6636% | 6,964 |
| Total risk-based capital ratio | 5.9693% | 6,965 |
| Memoranda: | ||
| Average total assets | $554,766,500 | 1,216 |
| Average earning assets | $491,593,500 | 1,261 |
| Average equity | $18,442,500 | 3,461 |
| Average total loans | $374,655,500 | 1,138 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6220% | 2,912 |
| Cost of funding earning assets | 1.2590% | 439 |
| Net interest margin | 3.3629% | 5,025 |
| Noninterest income to average assets | 1.8591% | 484 |
| Noninterest expense to average assets | 3.9533% | 1,030 |
| Loan and lease loss provision to assets | 2.7148% | 49 |
| Net operating income to assets | -1.2899% | 6,821 |
| Return on assets (ROA) | -1.2262% | 6,816 |
| Pretax return on assets | -1.7406% | 6,898 |
| Return on Equity (ROE) | -27.1235% | 6,940 |
| Retained earnings to average equity (ytd only) | -27.1235% | 6,914 |
| Net charge-offs to loans | 0.7094% | 1,663 |
| Credit loss provision to net charge-offs | 586.4715% | 420 |
| Earnings coverage of net charge-offs (x) | 1.9081% | 4,466 |
| Efficiency ratio | 81.6034% | 1,928 |
| Assets per employee ($millions) | 3.4638% | 5,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4451% | 52 |
| Loan loss allowance to noncurrent loans | 240.5858% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 3.9858% | 1,075 |
| Noncurrent loans to loans | 2.6789% | 1,973 |
| Net loans and leases to total assets | 62.4281% | 3,184 |
| Net loans and leases to deposits | 77.9693% | 2,536 |
| Net loans and leases to core deposits | 79.1032% | 3,136 |
| Total domestic deposits to total assets | 80.0676% | 5,644 |
| Equity capital to assets | 3.2055% | 7,033 |
| Core capital (leverage) ratio | 3.1964% | 7,024 |
| Tier 1 risk-based capital ratio | 4.4158% | 7,032 |
| Total risk-based capital ratio | 5.7229% | 7,032 |
| Memoranda: | ||
| Average total assets | $582,847,600 | 1,137 |
| Average earning assets | $516,035,200 | 1,175 |
| Average equity | $26,349,800 | 2,539 |
| Average total loans | $380,341,600 | 1,099 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8905% | 2,047 |
| Cost of funding earning assets | 1.2829% | 477 |
| Net interest margin | 3.6077% | 4,208 |
| Noninterest income to average assets | 2.0293% | 415 |
| Noninterest expense to average assets | 3.8061% | 1,202 |
| Loan and lease loss provision to assets | 0.4234% | 1,502 |
| Net operating income to assets | 1.1875% | 1,786 |
| Return on assets (ROA) | 1.3029% | 1,581 |
| Pretax return on assets | 1.1146% | 3,297 |
| Return on Equity (ROE) | 26.9627% | 111 |
| Retained earnings to average equity (ytd only) | 26.9627% | 43 |
| Net charge-offs to loans | 0.7563% | 1,460 |
| Credit loss provision to net charge-offs | 86.2609% | 3,424 |
| Earnings coverage of net charge-offs (x) | 2.8981% | 3,876 |
| Efficiency ratio | 72.6671% | 3,205 |
| Assets per employee ($millions) | 3.3727% | 5,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4201% | 1,320 |
| Loan loss allowance to noncurrent loans | 78.8911% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 4.5037% | 1,030 |
| Noncurrent loans to loans | 3.0676% | 1,814 |
| Net loans and leases to total assets | 64.3396% | 2,969 |
| Net loans and leases to deposits | 82.4954% | 2,059 |
| Net loans and leases to core deposits | 83.6856% | 2,734 |
| Total domestic deposits to total assets | 77.9917% | 6,075 |
| Equity capital to assets | 5.4490% | 7,025 |
| Core capital (leverage) ratio | 5.3337% | 6,994 |
| Tier 1 risk-based capital ratio | 7.1062% | 7,042 |
| Total risk-based capital ratio | 8.3670% | 7,041 |
| Memoranda: | ||
| Average total assets | $589,140,750 | 1,139 |
| Average earning assets | $522,468,750 | 1,171 |
| Average equity | $28,468,250 | 2,367 |
| Average total loans | $382,394,500 | 1,106 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9680% | 1,877 |
| Cost of funding earning assets | 1.3159% | 490 |
| Net interest margin | 3.6521% | 4,027 |
| Noninterest income to average assets | 1.8001% | 478 |
| Noninterest expense to average assets | 3.6605% | 1,446 |
| Loan and lease loss provision to assets | 0.5501% | 1,120 |
| Net operating income to assets | 1.4054% | 1,183 |
| Return on assets (ROA) | 1.5585% | 1,006 |
| Pretax return on assets | 0.9869% | 3,755 |
| Return on Equity (ROE) | 33.6339% | 60 |
| Retained earnings to average equity (ytd only) | 33.6339% | 41 |
| Net charge-offs to loans | 0.6200% | 1,773 |
| Credit loss provision to net charge-offs | 137.3950% | 2,002 |
| Earnings coverage of net charge-offs (x) | 3.4563% | 3,367 |
| Efficiency ratio | 72.4386% | 3,354 |
| Assets per employee ($millions) | 3.2995% | 5,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5093% | 1,267 |
| Loan loss allowance to noncurrent loans | 80.9294% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 4.4795% | 1,110 |
| Noncurrent loans to loans | 3.1006% | 1,897 |
| Net loans and leases to total assets | 65.8053% | 2,712 |
| Net loans and leases to deposits | 83.6883% | 1,899 |
| Net loans and leases to core deposits | 85.1468% | 2,538 |
| Total domestic deposits to total assets | 78.6314% | 6,031 |
| Equity capital to assets | 5.0644% | 7,095 |
| Core capital (leverage) ratio | 4.8133% | 7,081 |
| Tier 1 risk-based capital ratio | 6.6405% | 7,112 |
| Total risk-based capital ratio | 7.9031% | 7,111 |
| Memoranda: | ||
| Average total assets | $594,403,330 | 1,127 |
| Average earning assets | $528,020,670 | 1,159 |
| Average equity | $27,543,670 | 2,441 |
| Average total loans | $383,845,330 | 1,102 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7704% | 2,760 |
| Cost of funding earning assets | 1.3531% | 506 |
| Net interest margin | 3.4173% | 5,042 |
| Noninterest income to average assets | 1.5137% | 627 |
| Noninterest expense to average assets | 3.4877% | 1,786 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8092% | 591 |
| Return on assets (ROA) | 1.9380% | 538 |
| Pretax return on assets | 1.1941% | 2,932 |
| Return on Equity (ROE) | 43.8044% | 41 |
| Retained earnings to average equity (ytd only) | 43.8044% | 27 |
| Net charge-offs to loans | -0.2746% | 7,044 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4542% | 2,723 |
| Assets per employee ($millions) | 3.4008% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5510% | 1,288 |
| Loan loss allowance to noncurrent loans | 97.6854% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 3.9144% | 1,421 |
| Noncurrent loans to loans | 2.6115% | 2,488 |
| Net loans and leases to total assets | 61.6023% | 3,338 |
| Net loans and leases to deposits | 77.5386% | 2,590 |
| Net loans and leases to core deposits | 79.2199% | 3,150 |
| Total domestic deposits to total assets | 79.4473% | 5,988 |
| Equity capital to assets | 4.6586% | 7,155 |
| Core capital (leverage) ratio | 4.5064% | 7,150 |
| Tier 1 risk-based capital ratio | 6.3350% | 7,166 |
| Total risk-based capital ratio | 7.5973% | 7,165 |
| Memoranda: | ||
| Average total assets | $599,595,000 | 1,113 |
| Average earning assets | $533,291,500 | 1,149 |
| Average equity | $26,527,000 | 2,524 |
| Average total loans | $378,664,000 | 1,116 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1147% | 2,395 |
| Cost of funding earning assets | 1.4793% | 775 |
| Net interest margin | 3.6354% | 4,591 |
| Noninterest income to average assets | 1.0966% | 1,104 |
| Noninterest expense to average assets | 3.6051% | 1,732 |
| Loan and lease loss provision to assets | 4.0806% | 47 |
| Net operating income to assets | -4.6065% | 7,285 |
| Return on assets (ROA) | -4.3496% | 7,279 |
| Pretax return on assets | -3.1352% | 7,196 |
| Return on Equity (ROE) | -55.1061% | 7,224 |
| Retained earnings to average equity (ytd only) | -55.1061% | 7,222 |
| Net charge-offs to loans | 6.7958% | 33 |
| Credit loss provision to net charge-offs | 95.6860% | 3,771 |
| Earnings coverage of net charge-offs (x) | 0.1615% | 5,717 |
| Efficiency ratio | 81.6032% | 2,078 |
| Assets per employee ($millions) | 3.4523% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5071% | 1,306 |
| Loan loss allowance to noncurrent loans | 156.1488% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 3.0890% | 1,938 |
| Noncurrent loans to loans | 1.6056% | 3,753 |
| Net loans and leases to total assets | 61.5094% | 3,690 |
| Net loans and leases to deposits | 77.0206% | 2,997 |
| Net loans and leases to core deposits | 79.5946% | 3,498 |
| Total domestic deposits to total assets | 79.8610% | 5,779 |
| Equity capital to assets | 4.1878% | 7,214 |
| Core capital (leverage) ratio | 3.8394% | 7,218 |
| Tier 1 risk-based capital ratio | 5.8230% | 7,210 |
| Total risk-based capital ratio | 7.0857% | 7,210 |
| Memoranda: | ||
| Average total assets | $618,559,800 | 1,052 |
| Average earning assets | $543,985,800 | 1,096 |
| Average equity | $48,824,000 | 1,398 |
| Average total loans | $388,165,200 | 1,102 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1342% | 2,455 |
| Cost of funding earning assets | 1.4961% | 875 |
| Net interest margin | 3.6381% | 4,627 |
| Noninterest income to average assets | 1.1739% | 956 |
| Noninterest expense to average assets | 3.3856% | 2,234 |
| Loan and lease loss provision to assets | 0.1770% | 4,263 |
| Net operating income to assets | 0.6768% | 3,737 |
| Return on assets (ROA) | 1.1258% | 2,015 |
| Pretax return on assets | 1.3280% | 2,189 |
| Return on Equity (ROE) | 12.8226% | 1,326 |
| Retained earnings to average equity (ytd only) | 12.8226% | 399 |
| Net charge-offs to loans | 1.4942% | 973 |
| Credit loss provision to net charge-offs | 18.8955% | 5,576 |
| Earnings coverage of net charge-offs (x) | 1.0429% | 4,848 |
| Efficiency ratio | 77.4691% | 2,612 |
| Assets per employee ($millions) | 3.3068% | 5,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7973% | 2,958 |
| Loan loss allowance to noncurrent loans | 79.4194% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 3.6760% | 1,702 |
| Noncurrent loans to loans | 2.2630% | 3,035 |
| Net loans and leases to total assets | 61.7961% | 3,779 |
| Net loans and leases to deposits | 82.8762% | 2,193 |
| Net loans and leases to core deposits | 85.9539% | 2,773 |
| Total domestic deposits to total assets | 74.5644% | 6,694 |
| Equity capital to assets | 9.1924% | 5,524 |
| Core capital (leverage) ratio | 8.9196% | 5,068 |
| Tier 1 risk-based capital ratio | 12.3744% | 5,602 |
| Total risk-based capital ratio | 13.6283% | 5,586 |
| Memoranda: | ||
| Average total assets | $623,886,000 | 1,053 |
| Average earning assets | $546,750,250 | 1,095 |
| Average equity | $54,777,000 | 1,238 |
| Average total loans | $391,002,750 | 1,098 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1257% | 2,563 |
| Cost of funding earning assets | 1.5187% | 944 |
| Net interest margin | 3.6070% | 4,700 |
| Noninterest income to average assets | 1.0118% | 1,294 |
| Noninterest expense to average assets | 3.2749% | 2,651 |
| Loan and lease loss provision to assets | 0.1531% | 4,401 |
| Net operating income to assets | 0.7050% | 3,518 |
| Return on assets (ROA) | 1.2705% | 1,461 |
| Pretax return on assets | 1.3381% | 2,005 |
| Return on Equity (ROE) | 14.6998% | 855 |
| Retained earnings to average equity (ytd only) | 14.6998% | 265 |
| Net charge-offs to loans | 2.0469% | 648 |
| Credit loss provision to net charge-offs | 11.9470% | 5,227 |
| Earnings coverage of net charge-offs (x) | 0.6993% | 4,772 |
| Efficiency ratio | 78.3740% | 2,648 |
| Assets per employee ($millions) | 3.3020% | 5,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8895% | 2,704 |
| Loan loss allowance to noncurrent loans | 79.5987% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 3.9313% | 1,641 |
| Noncurrent loans to loans | 2.3738% | 3,014 |
| Net loans and leases to total assets | 59.0704% | 4,455 |
| Net loans and leases to deposits | 79.1440% | 2,945 |
| Net loans and leases to core deposits | 82.3112% | 3,456 |
| Total domestic deposits to total assets | 74.6366% | 6,768 |
| Equity capital to assets | 9.0311% | 5,538 |
| Core capital (leverage) ratio | 8.7374% | 5,166 |
| Tier 1 risk-based capital ratio | 12.3911% | 5,450 |
| Total risk-based capital ratio | 13.6455% | 5,424 |
| Memoranda: | ||
| Average total assets | $624,623,000 | 1,058 |
| Average earning assets | $547,050,330 | 1,105 |
| Average equity | $53,987,000 | 1,245 |
| Average total loans | $390,936,330 | 1,109 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1014% | 2,643 |
| Cost of funding earning assets | 1.5404% | 1,020 |
| Net interest margin | 3.5610% | 4,765 |
| Noninterest income to average assets | 0.9742% | 1,403 |
| Noninterest expense to average assets | 3.3178% | 2,503 |
| Loan and lease loss provision to assets | 0.1104% | 4,633 |
| Net operating income to assets | 0.8165% | 2,946 |
| Return on assets (ROA) | 1.9459% | 396 |
| Pretax return on assets | 1.7908% | 833 |
| Return on Equity (ROE) | 23.0257% | 209 |
| Retained earnings to average equity (ytd only) | 23.0257% | 120 |
| Net charge-offs to loans | 3.4110% | 294 |
| Credit loss provision to net charge-offs | 5.0778% | 4,428 |
| Earnings coverage of net charge-offs (x) | 0.3549% | 4,348 |
| Efficiency ratio | 80.9710% | 2,374 |
| Assets per employee ($millions) | 3.2039% | 5,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9159% | 2,639 |
| Loan loss allowance to noncurrent loans | 85.6061% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 3.9253% | 1,702 |
| Noncurrent loans to loans | 2.2381% | 3,273 |
| Net loans and leases to total assets | 60.5456% | 4,163 |
| Net loans and leases to deposits | 79.6981% | 2,766 |
| Net loans and leases to core deposits | 83.9069% | 3,171 |
| Total domestic deposits to total assets | 75.9687% | 6,673 |
| Equity capital to assets | 8.6934% | 5,668 |
| Core capital (leverage) ratio | 8.5515% | 5,347 |
| Tier 1 risk-based capital ratio | 11.8117% | 5,847 |
| Total risk-based capital ratio | 13.0663% | 5,842 |
| Memoranda: | ||
| Average total assets | $626,550,500 | 1,062 |
| Average earning assets | $548,162,000 | 1,114 |
| Average equity | $52,949,500 | 1,264 |
| Average total loans | $399,528,500 | 1,094 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4851% | 2,349 |
| Cost of funding earning assets | 1.8045% | 1,156 |
| Net interest margin | 3.6806% | 4,444 |
| Noninterest income to average assets | 1.7517% | 491 |
| Noninterest expense to average assets | 3.8088% | 1,473 |
| Loan and lease loss provision to assets | 1.5894% | 908 |
| Net operating income to assets | -0.2718% | 6,189 |
| Return on assets (ROA) | -0.3937% | 6,335 |
| Pretax return on assets | -0.6016% | 6,398 |
| Return on Equity (ROE) | -4.5959% | 6,401 |
| Retained earnings to average equity (ytd only) | -5.1487% | 6,316 |
| Net charge-offs to loans | 1.2272% | 1,829 |
| Credit loss provision to net charge-offs | 193.1888% | 1,645 |
| Earnings coverage of net charge-offs (x) | 1.4286% | 4,688 |
| Efficiency ratio | 76.2977% | 3,007 |
| Assets per employee ($millions) | 3.2723% | 5,489 |
| Cash dividends to net income (ytd only)* | -12.0289% | 7,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5483% | 1,352 |
| Loan loss allowance to noncurrent loans | 58.3742% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 5.3097% | 1,172 |
| Noncurrent loans to loans | 4.3654% | 1,647 |
| Net loans and leases to total assets | 64.0962% | 3,854 |
| Net loans and leases to deposits | 84.4103% | 2,384 |
| Net loans and leases to core deposits | 90.2016% | 2,738 |
| Total domestic deposits to total assets | 75.9341% | 6,639 |
| Equity capital to assets | 8.2124% | 6,244 |
| Core capital (leverage) ratio | 7.8140% | 6,423 |
| Tier 1 risk-based capital ratio | 10.7430% | 6,534 |
| Total risk-based capital ratio | 12.0053% | 6,496 |
| Memoranda: | ||
| Average total assets | $633,503,200 | 1,061 |
| Average earning assets | $556,381,800 | 1,092 |
| Average equity | $54,265,600 | 1,230 |
| Average total loans | $424,702,400 | 1,050 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4594% | 2,606 |
| Cost of funding earning assets | 1.8367% | 1,275 |
| Net interest margin | 3.6227% | 4,767 |
| Noninterest income to average assets | 1.6854% | 494 |
| Noninterest expense to average assets | 3.6164% | 1,751 |
| Loan and lease loss provision to assets | 1.2641% | 1,116 |
| Net operating income to assets | 0.0145% | 5,972 |
| Return on assets (ROA) | 0.1106% | 5,900 |
| Pretax return on assets | 0.0833% | 5,943 |
| Return on Equity (ROE) | 1.2782% | 5,824 |
| Retained earnings to average equity (ytd only) | 1.2782% | 5,297 |
| Net charge-offs to loans | 0.8393% | 2,357 |
| Credit loss provision to net charge-offs | 223.6235% | 1,548 |
| Earnings coverage of net charge-offs (x) | 2.2135% | 4,070 |
| Efficiency ratio | 74.1683% | 3,299 |
| Assets per employee ($millions) | 3.4127% | 5,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1016% | 1,994 |
| Loan loss allowance to noncurrent loans | 76.5089% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 4.6838% | 1,413 |
| Noncurrent loans to loans | 2.7469% | 2,891 |
| Net loans and leases to total assets | 66.0651% | 3,676 |
| Net loans and leases to deposits | 87.1457% | 2,132 |
| Net loans and leases to core deposits | 93.7748% | 2,555 |
| Total domestic deposits to total assets | 75.8100% | 6,689 |
| Equity capital to assets | 8.4969% | 6,278 |
| Core capital (leverage) ratio | 8.4080% | 5,684 |
| Tier 1 risk-based capital ratio | 11.0495% | 6,331 |
| Total risk-based capital ratio | 12.3070% | 6,311 |
| Memoranda: | ||
| Average total assets | $633,992,500 | 1,062 |
| Average earning assets | $556,917,750 | 1,090 |
| Average equity | $54,865,750 | 1,216 |
| Average total loans | $427,032,500 | 1,056 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4998% | 2,513 |
| Cost of funding earning assets | 1.8804% | 1,306 |
| Net interest margin | 3.6194% | 4,736 |
| Noninterest income to average assets | 1.4398% | 612 |
| Noninterest expense to average assets | 3.4332% | 2,184 |
| Loan and lease loss provision to assets | 0.7003% | 2,075 |
| Net operating income to assets | 0.3406% | 5,018 |
| Return on assets (ROA) | 0.5659% | 4,163 |
| Pretax return on assets | 0.8084% | 3,851 |
| Return on Equity (ROE) | 6.4998% | 3,548 |
| Retained earnings to average equity (ytd only) | 6.4998% | 2,072 |
| Net charge-offs to loans | 0.6289% | 2,656 |
| Credit loss provision to net charge-offs | 165.4220% | 2,379 |
| Earnings coverage of net charge-offs (x) | 2.8036% | 3,585 |
| Efficiency ratio | 74.1805% | 3,441 |
| Assets per employee ($millions) | 3.2810% | 5,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5551% | 3,645 |
| Loan loss allowance to noncurrent loans | 56.7062% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 4.5129% | 1,473 |
| Noncurrent loans to loans | 2.7424% | 2,909 |
| Net loans and leases to total assets | 65.6813% | 3,906 |
| Net loans and leases to deposits | 87.5078% | 2,258 |
| Net loans and leases to core deposits | 93.9842% | 2,713 |
| Total domestic deposits to total assets | 75.0577% | 6,847 |
| Equity capital to assets | 8.8299% | 5,706 |
| Core capital (leverage) ratio | 8.6801% | 5,112 |
| Tier 1 risk-based capital ratio | 11.3928% | 5,872 |
| Total risk-based capital ratio | 12.6444% | 5,849 |
| Memoranda: | ||
| Average total assets | $632,595,330 | 1,068 |
| Average earning assets | $555,837,000 | 1,096 |
| Average equity | $55,079,000 | 1,202 |
| Average total loans | $425,820,670 | 1,067 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4511% | 2,817 |
| Cost of funding earning assets | 1.9364% | 1,301 |
| Net interest margin | 3.5147% | 5,102 |
| Noninterest income to average assets | 1.0301% | 1,201 |
| Noninterest expense to average assets | 3.2875% | 2,568 |
| Loan and lease loss provision to assets | 1.4049% | 850 |
| Net operating income to assets | -0.4941% | 6,826 |
| Return on assets (ROA) | 0.0863% | 6,163 |
| Pretax return on assets | 0.0114% | 6,326 |
| Return on Equity (ROE) | 0.9979% | 6,115 |
| Retained earnings to average equity (ytd only) | 0.9979% | 5,415 |
| Net charge-offs to loans | 0.8274% | 1,876 |
| Credit loss provision to net charge-offs | 251.1338% | 1,536 |
| Earnings coverage of net charge-offs (x) | 1.4943% | 3,838 |
| Efficiency ratio | 79.5724% | 2,635 |
| Assets per employee ($millions) | 3.2562% | 5,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7117% | 3,021 |
| Loan loss allowance to noncurrent loans | 59.1473% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 4.1177% | 1,662 |
| Noncurrent loans to loans | 2.8939% | 2,786 |
| Net loans and leases to total assets | 64.5166% | 4,214 |
| Net loans and leases to deposits | 86.5983% | 2,487 |
| Net loans and leases to core deposits | 90.5274% | 3,298 |
| Total domestic deposits to total assets | 74.5010% | 6,982 |
| Equity capital to assets | 8.6570% | 5,795 |
| Core capital (leverage) ratio | 8.4911% | 5,391 |
| Tier 1 risk-based capital ratio | 11.2632% | 5,890 |
| Total risk-based capital ratio | 12.5162% | 5,847 |
| Memoranda: | ||
| Average total assets | $630,639,000 | 1,096 |
| Average earning assets | $555,043,000 | 1,126 |
| Average equity | $54,517,000 | 1,225 |
| Average total loans | $426,395,500 | 1,104 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8595% | 2,410 |
| Cost of funding earning assets | 2.5347% | 934 |
| Net interest margin | 3.3247% | 5,644 |
| Noninterest income to average assets | 1.9164% | 401 |
| Noninterest expense to average assets | 3.6532% | 2,021 |
| Loan and lease loss provision to assets | 0.4687% | 4,014 |
| Net operating income to assets | 0.6394% | 3,174 |
| Return on assets (ROA) | 0.0303% | 5,449 |
| Pretax return on assets | -0.2020% | 5,705 |
| Return on Equity (ROE) | 0.3914% | 5,416 |
| Retained earnings to average equity (ytd only) | -2.2142% | 5,564 |
| Net charge-offs to loans | 0.8144% | 2,792 |
| Credit loss provision to net charge-offs | 81.9127% | 6,246 |
| Earnings coverage of net charge-offs (x) | 2.1292% | 4,134 |
| Efficiency ratio | 74.8741% | 3,730 |
| Assets per employee ($millions) | 3.2960% | 5,498 |
| Cash dividends to net income (ytd only)* | 665.6863% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 4,760 |
| Loan loss allowance to noncurrent loans | 81.4215% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 3.3809% | 2,005 |
| Noncurrent loans to loans | 1.5979% | 4,260 |
| Net loans and leases to total assets | 68.6676% | 3,556 |
| Net loans and leases to deposits | 92.3081% | 1,850 |
| Net loans and leases to core deposits | 113.9882% | 2,497 |
| Total domestic deposits to total assets | 74.3895% | 6,962 |
| Equity capital to assets | 8.6325% | 5,688 |
| Core capital (leverage) ratio | 8.1910% | 5,827 |
| Tier 1 risk-based capital ratio | 10.7007% | 6,204 |
| Total risk-based capital ratio | 11.8516% | 6,276 |
| Memoranda: | ||
| Average total assets | $672,443,600 | 1,024 |
| Average earning assets | $597,699,400 | 1,046 |
| Average equity | $52,119,200 | 1,280 |
| Average total loans | $472,497,200 | 1,015 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8414% | 2,699 |
| Cost of funding earning assets | 2.6315% | 951 |
| Net interest margin | 3.2100% | 5,977 |
| Noninterest income to average assets | 1.9006% | 411 |
| Noninterest expense to average assets | 3.5672% | 2,103 |
| Loan and lease loss provision to assets | 0.4353% | 3,727 |
| Net operating income to assets | 0.6933% | 3,237 |
| Return on assets (ROA) | -0.1606% | 6,012 |
| Pretax return on assets | -0.5758% | 6,372 |
| Return on Equity (ROE) | -2.1284% | 6,110 |
| Retained earnings to average equity (ytd only) | -5.6448% | 6,341 |
| Net charge-offs to loans | 0.7860% | 2,396 |
| Credit loss provision to net charge-offs | 78.6445% | 5,796 |
| Earnings coverage of net charge-offs (x) | 2.1564% | 4,211 |
| Efficiency ratio | 74.8081% | 3,723 |
| Assets per employee ($millions) | 3.2952% | 5,417 |
| Cash dividends to net income (ytd only)* | -165.2071% | 8,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 4,940 |
| Loan loss allowance to noncurrent loans | 57.4262% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 3.5215% | 1,883 |
| Noncurrent loans to loans | 2.1460% | 3,450 |
| Net loans and leases to total assets | 70.7660% | 3,325 |
| Net loans and leases to deposits | 93.9030% | 1,894 |
| Net loans and leases to core deposits | 115.1463% | 2,709 |
| Total domestic deposits to total assets | 75.3608% | 6,703 |
| Equity capital to assets | 7.9121% | 6,931 |
| Core capital (leverage) ratio | 7.5696% | 6,898 |
| Tier 1 risk-based capital ratio | 9.5951% | 7,308 |
| Total risk-based capital ratio | 10.6969% | 7,373 |
| Memoranda: | ||
| Average total assets | $682,347,750 | 1,016 |
| Average earning assets | $608,011,000 | 1,040 |
| Average equity | $51,491,750 | 1,315 |
| Average total loans | $480,552,750 | 1,021 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8084% | 3,005 |
| Cost of funding earning assets | 2.7022% | 1,021 |
| Net interest margin | 3.1062% | 6,216 |
| Noninterest income to average assets | 1.9185% | 400 |
| Noninterest expense to average assets | 3.3481% | 2,804 |
| Loan and lease loss provision to assets | 0.4927% | 3,072 |
| Net operating income to assets | 0.8445% | 2,675 |
| Return on assets (ROA) | -0.4501% | 6,503 |
| Pretax return on assets | -1.1731% | 6,919 |
| Return on Equity (ROE) | -6.0576% | 6,718 |
| Retained earnings to average equity (ytd only) | -11.3545% | 6,997 |
| Net charge-offs to loans | 0.8880% | 1,921 |
| Credit loss provision to net charge-offs | 79.2171% | 5,219 |
| Earnings coverage of net charge-offs (x) | 2.1584% | 3,992 |
| Efficiency ratio | 71.2635% | 4,545 |
| Assets per employee ($millions) | 3.5413% | 4,706 |
| Cash dividends to net income (ytd only)* | -87.4437% | 8,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2183% | 4,826 |
| Loan loss allowance to noncurrent loans | 47.5690% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 3.8576% | 1,569 |
| Noncurrent loans to loans | 2.5611% | 2,832 |
| Net loans and leases to total assets | 70.1903% | 3,651 |
| Net loans and leases to deposits | 91.3875% | 2,590 |
| Net loans and leases to core deposits | 110.8868% | 3,273 |
| Total domestic deposits to total assets | 76.8051% | 6,373 |
| Equity capital to assets | 7.3516% | 7,385 |
| Core capital (leverage) ratio | 7.1813% | 7,377 |
| Tier 1 risk-based capital ratio | 9.2400% | 7,576 |
| Total risk-based capital ratio | 10.3468% | 7,655 |
| Memoranda: | ||
| Average total assets | $690,120,000 | 1,022 |
| Average earning assets | $615,867,330 | 1,043 |
| Average equity | $51,274,670 | 1,333 |
| Average total loans | $483,340,670 | 1,038 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8280% | 3,154 |
| Cost of funding earning assets | 2.7431% | 1,132 |
| Net interest margin | 3.0849% | 6,239 |
| Noninterest income to average assets | 1.5307% | 593 |
| Noninterest expense to average assets | 3.4063% | 2,338 |
| Loan and lease loss provision to assets | 0.9856% | 1,315 |
| Net operating income to assets | -0.0724% | 6,366 |
| Return on assets (ROA) | 0.6673% | 3,897 |
| Pretax return on assets | 0.9741% | 3,448 |
| Return on Equity (ROE) | 8.9349% | 2,749 |
| Retained earnings to average equity (ytd only) | 1.4982% | 5,010 |
| Net charge-offs to loans | 1.5094% | 958 |
| Credit loss provision to net charge-offs | 93.9227% | 3,923 |
| Earnings coverage of net charge-offs (x) | 0.8459% | 4,348 |
| Efficiency ratio | 79.1925% | 2,965 |
| Assets per employee ($millions) | 3.3816% | 5,118 |
| Cash dividends to net income (ytd only)* | 83.2320% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 3,975 |
| Loan loss allowance to noncurrent loans | 44.0953% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 4.0092% | 1,279 |
| Noncurrent loans to loans | 2.9884% | 2,185 |
| Net loans and leases to total assets | 69.9145% | 3,689 |
| Net loans and leases to deposits | 91.8363% | 2,628 |
| Net loans and leases to core deposits | 110.4685% | 3,372 |
| Total domestic deposits to total assets | 76.1295% | 6,484 |
| Equity capital to assets | 7.5917% | 7,271 |
| Core capital (leverage) ratio | 7.2784% | 7,398 |
| Tier 1 risk-based capital ratio | 7.1450% | 8,085 |
| Total risk-based capital ratio | 8.0419% | 8,118 |
| Memoranda: | ||
| Average total assets | $689,901,500 | 1,023 |
| Average earning assets | $617,978,500 | 1,038 |
| Average equity | $51,528,500 | 1,330 |
| Average total loans | $479,670,000 | 1,055 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4641% | 3,142 |
| Cost of funding earning assets | 3.3087% | 898 |
| Net interest margin | 3.1553% | 6,505 |
| Noninterest income to average assets | 1.1365% | 1,206 |
| Noninterest expense to average assets | 3.1911% | 3,370 |
| Loan and lease loss provision to assets | 0.3425% | 3,653 |
| Net operating income to assets | 0.4115% | 5,106 |
| Return on assets (ROA) | 0.3114% | 5,316 |
| Pretax return on assets | 0.3262% | 5,456 |
| Return on Equity (ROE) | 4.1441% | 4,760 |
| Retained earnings to average equity (ytd only) | -0.5484% | 5,456 |
| Net charge-offs to loans | 1.4130% | 832 |
| Credit loss provision to net charge-offs | 34.7953% | 6,492 |
| Earnings coverage of net charge-offs (x) | 0.7864% | 5,758 |
| Efficiency ratio | 80.3777% | 2,542 |
| Assets per employee ($millions) | 3.5892% | 4,444 |
| Cash dividends to net income (ytd only)* | 113.2332% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 3,544 |
| Loan loss allowance to noncurrent loans | 56.1244% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 3.3815% | 1,328 |
| Noncurrent loans to loans | 2.3837% | 2,304 |
| Net loans and leases to total assets | 67.3443% | 4,578 |
| Net loans and leases to deposits | 87.5347% | 3,861 |
| Net loans and leases to core deposits | 104.9472% | 4,304 |
| Total domestic deposits to total assets | 76.9345% | 6,016 |
| Equity capital to assets | 7.3510% | 7,510 |
| Core capital (leverage) ratio | 7.2551% | 7,466 |
| Tier 1 risk-based capital ratio | 7.3068% | 8,149 |
| Total risk-based capital ratio | 8.2439% | 8,181 |
| Memoranda: | ||
| Average total assets | $662,409,200 | 1,011 |
| Average earning assets | $593,851,400 | 1,034 |
| Average equity | $49,781,600 | 1,363 |
| Average total loans | $461,497,000 | 1,050 |