Home > Valley Bank > Performance and Condition Ratios
Valley Bank, Performance and Condition Ratios
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5118% | 5,666 |
| Cost of funding earning assets | 0.1431% | 6,729 |
| Net interest margin | 3.3686% | 4,308 |
| Noninterest income to average assets | 0.5552% | 3,468 |
| Noninterest expense to average assets | 3.1553% | 2,498 |
| Loan and lease loss provision to assets | -0.2201% | 6,792 |
| Net operating income to assets | 0.6839% | 3,886 |
| Return on assets (ROA) | 0.6839% | 4,051 |
| Pretax return on assets | 0.8472% | 4,125 |
| Return on Equity (ROE) | 5.6913% | 4,354 |
| Retained earnings to average equity (ytd only) | 3.5782% | 4,042 |
| Net charge-offs to loans | 0.1676% | 2,775 |
| Credit loss provision to net charge-offs | -247.6190% | 5,775 |
| Earnings coverage of net charge-offs (x) | 7.0571% | 2,604 |
| Efficiency ratio | 83.4191% | 1,704 |
| Assets per employee ($millions) | 3.5882% | 4,650 |
| Cash dividends to net income (ytd only)* | 37.1287% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 3,534 |
| Loan loss allowance to noncurrent loans | 72.5605% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.0985% | 3,531 |
| Noncurrent loans to loans | 2.0830% | 2,299 |
| Net loans and leases to total assets | 51.9371% | 4,873 |
| Net loans and leases to deposits | 59.6117% | 5,014 |
| Net loans and leases to core deposits | 63.6014% | 4,940 |
| Total domestic deposits to total assets | 87.1257% | 2,746 |
| Equity capital to assets | 12.1180% | 1,839 |
| Core capital (leverage) ratio | 11.6979% | 1,802 |
| Tier 1 risk-based capital ratio | 21.0335% | 1,483 |
| Total risk-based capital ratio | 22.2857% | 1,460 |
| Memoranda: | ||
| Average total assets | $236,298,330 | 2,681 |
| Average earning assets | $226,382,330 | 2,578 |
| Average equity | $28,394,330 | 2,397 |
| Average total loans | $125,323,330 | 2,962 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5443% | 5,592 |
| Cost of funding earning assets | 0.1458% | 6,808 |
| Net interest margin | 3.3985% | 4,127 |
| Noninterest income to average assets | 0.6105% | 3,081 |
| Noninterest expense to average assets | 2.6826% | 4,136 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9452% | 2,452 |
| Return on assets (ROA) | 0.9452% | 2,595 |
| Pretax return on assets | 1.1807% | 2,644 |
| Return on Equity (ROE) | 7.8988% | 3,027 |
| Retained earnings to average equity (ytd only) | 3.6824% | 4,015 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4384% | 4,068 |
| Assets per employee ($millions) | 3.5370% | 4,902 |
| Cash dividends to net income (ytd only)* | 53.3808% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7390% | 2,842 |
| Loan loss allowance to noncurrent loans | 153.6973% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.6199% | 4,835 |
| Noncurrent loans to loans | 1.1314% | 3,894 |
| Net loans and leases to total assets | 53.8324% | 4,443 |
| Net loans and leases to deposits | 61.7048% | 4,593 |
| Net loans and leases to core deposits | 65.6672% | 4,572 |
| Total domestic deposits to total assets | 87.2419% | 2,801 |
| Equity capital to assets | 12.2231% | 1,894 |
| Core capital (leverage) ratio | 11.6499% | 1,783 |
| Tier 1 risk-based capital ratio | 20.1243% | 1,737 |
| Total risk-based capital ratio | 21.3796% | 1,706 |
| Memoranda: | ||
| Average total assets | $237,831,500 | 2,698 |
| Average earning assets | $227,632,500 | 2,590 |
| Average equity | $28,460,000 | 2,419 |
| Average total loans | $126,488,500 | 2,957 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8431% | 5,724 |
| Cost of funding earning assets | 0.1753% | 6,880 |
| Net interest margin | 3.6678% | 3,792 |
| Noninterest income to average assets | 0.5228% | 3,757 |
| Noninterest expense to average assets | 2.8926% | 3,670 |
| Loan and lease loss provision to assets | 0.0378% | 5,407 |
| Net operating income to assets | 0.7809% | 3,366 |
| Return on assets (ROA) | 0.7803% | 3,616 |
| Pretax return on assets | 1.0805% | 3,229 |
| Return on Equity (ROE) | 6.5717% | 3,875 |
| Retained earnings to average equity (ytd only) | 1.2662% | 5,234 |
| Net charge-offs to loans | 0.0382% | 5,386 |
| Credit loss provision to net charge-offs | 187.5000% | 1,391 |
| Earnings coverage of net charge-offs (x) | 55.5208% | 632 |
| Efficiency ratio | 72.1030% | 3,397 |
| Assets per employee ($millions) | 3.6152% | 4,744 |
| Cash dividends to net income (ytd only)* | 80.7320% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7780% | 2,662 |
| Loan loss allowance to noncurrent loans | 151.1897% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.6073% | 4,959 |
| Noncurrent loans to loans | 1.1760% | 3,889 |
| Net loans and leases to total assets | 50.7229% | 5,072 |
| Net loans and leases to deposits | 57.8167% | 5,259 |
| Net loans and leases to core deposits | 62.4548% | 5,108 |
| Total domestic deposits to total assets | 87.7306% | 2,391 |
| Equity capital to assets | 11.7191% | 2,254 |
| Core capital (leverage) ratio | 11.2271% | 2,071 |
| Tier 1 risk-based capital ratio | 20.3209% | 1,602 |
| Total risk-based capital ratio | 21.5767% | 1,571 |
| Memoranda: | ||
| Average total assets | $238,125,400 | 2,654 |
| Average earning assets | $226,509,400 | 2,548 |
| Average equity | $28,272,800 | 2,375 |
| Average total loans | $125,814,000 | 2,962 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9366% | 5,695 |
| Cost of funding earning assets | 0.1819% | 6,983 |
| Net interest margin | 3.7547% | 3,524 |
| Noninterest income to average assets | 0.5224% | 3,787 |
| Noninterest expense to average assets | 2.8870% | 3,651 |
| Loan and lease loss provision to assets | 0.0506% | 5,123 |
| Net operating income to assets | 0.8098% | 3,400 |
| Return on assets (ROA) | 0.8098% | 3,644 |
| Pretax return on assets | 1.1488% | 3,166 |
| Return on Equity (ROE) | 6.7976% | 3,913 |
| Retained earnings to average equity (ytd only) | 1.4870% | 5,591 |
| Net charge-offs to loans | 0.0508% | 4,945 |
| Credit loss provision to net charge-offs | 187.5000% | 1,472 |
| Earnings coverage of net charge-offs (x) | 44.4364% | 817 |
| Efficiency ratio | 70.6481% | 3,566 |
| Assets per employee ($millions) | 3.5833% | 4,781 |
| Cash dividends to net income (ytd only)* | 78.1250% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7892% | 2,823 |
| Loan loss allowance to noncurrent loans | 149.2617% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.8875% | 4,510 |
| Noncurrent loans to loans | 1.1987% | 4,052 |
| Net loans and leases to total assets | 51.6199% | 5,099 |
| Net loans and leases to deposits | 59.1003% | 5,307 |
| Net loans and leases to core deposits | 63.6019% | 5,200 |
| Total domestic deposits to total assets | 87.3428% | 2,470 |
| Equity capital to assets | 12.0365% | 2,225 |
| Core capital (leverage) ratio | 11.3573% | 2,087 |
| Tier 1 risk-based capital ratio | 20.3263% | 1,677 |
| Total risk-based capital ratio | 21.5822% | 1,647 |
| Memoranda: | ||
| Average total assets | $237,101,750 | 2,685 |
| Average earning assets | $225,064,500 | 2,588 |
| Average equity | $28,244,500 | 2,388 |
| Average total loans | $125,996,250 | 2,995 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0363% | 5,526 |
| Cost of funding earning assets | 0.1853% | 7,061 |
| Net interest margin | 3.8510% | 3,133 |
| Noninterest income to average assets | 0.5091% | 3,867 |
| Noninterest expense to average assets | 2.8950% | 3,638 |
| Loan and lease loss provision to assets | 0.0759% | 4,675 |
| Net operating income to assets | 0.8681% | 3,051 |
| Return on assets (ROA) | 0.8681% | 3,316 |
| Pretax return on assets | 1.1985% | 2,932 |
| Return on Equity (ROE) | 7.3126% | 3,604 |
| Retained earnings to average equity (ytd only) | 1.9879% | 5,202 |
| Net charge-offs to loans | -0.2054% | 6,999 |
| Credit loss provision to net charge-offs | -69.2308% | 6,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4360% | 3,862 |
| Assets per employee ($millions) | 3.6355% | 4,675 |
| Cash dividends to net income (ytd only)* | 72.8155% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9081% | 2,525 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2538% | 6,139 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 51.4641% | 5,164 |
| Net loans and leases to deposits | 58.7170% | 5,377 |
| Net loans and leases to core deposits | 63.6317% | 5,243 |
| Total domestic deposits to total assets | 87.6477% | 2,365 |
| Equity capital to assets | 11.8025% | 2,309 |
| Core capital (leverage) ratio | 11.3528% | 2,009 |
| Tier 1 risk-based capital ratio | 20.0869% | 1,687 |
| Total risk-based capital ratio | 21.3436% | 1,653 |
| Memoranda: | ||
| Average total assets | $237,303,000 | 2,687 |
| Average earning assets | $225,553,000 | 2,580 |
| Average equity | $28,170,670 | 2,377 |
| Average total loans | $126,560,330 | 2,993 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 5,283 |
| Cost of funding earning assets | 0.1887% | 7,124 |
| Net interest margin | 3.9584% | 2,674 |
| Noninterest income to average assets | 0.4034% | 4,642 |
| Noninterest expense to average assets | 2.9358% | 3,486 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9018% | 2,904 |
| Return on assets (ROA) | 0.9018% | 3,132 |
| Pretax return on assets | 1.2374% | 2,776 |
| Return on Equity (ROE) | 7.5739% | 3,464 |
| Retained earnings to average equity (ytd only) | 2.2352% | 5,140 |
| Net charge-offs to loans | 0.0032% | 4,707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 730.0000% | 29 |
| Efficiency ratio | 70.3493% | 3,752 |
| Assets per employee ($millions) | 3.5611% | 4,975 |
| Cash dividends to net income (ytd only)* | 70.4887% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7129% | 3,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3323% | 6,048 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 53.2472% | 4,846 |
| Net loans and leases to deposits | 60.9306% | 5,052 |
| Net loans and leases to core deposits | 65.7516% | 4,943 |
| Total domestic deposits to total assets | 87.3899% | 2,727 |
| Equity capital to assets | 11.9898% | 2,052 |
| Core capital (leverage) ratio | 11.6513% | 1,803 |
| Tier 1 risk-based capital ratio | 19.5835% | 1,816 |
| Total risk-based capital ratio | 20.8385% | 1,792 |
| Memoranda: | ||
| Average total assets | $235,984,500 | 2,712 |
| Average earning assets | $224,739,000 | 2,604 |
| Average equity | $28,096,500 | 2,384 |
| Average total loans | $126,898,000 | 3,002 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5664% | 4,801 |
| Cost of funding earning assets | 0.2639% | 7,160 |
| Net interest margin | 4.3025% | 1,689 |
| Noninterest income to average assets | 0.4874% | 3,942 |
| Noninterest expense to average assets | 3.1066% | 3,172 |
| Loan and lease loss provision to assets | 0.1799% | 4,398 |
| Net operating income to assets | 0.9465% | 2,429 |
| Return on assets (ROA) | 0.9567% | 2,511 |
| Pretax return on assets | 1.3195% | 2,056 |
| Return on Equity (ROE) | 7.9730% | 2,916 |
| Retained earnings to average equity (ytd only) | 2.4895% | 4,454 |
| Net charge-offs to loans | 0.0688% | 5,623 |
| Credit loss provision to net charge-offs | 460.6742% | 491 |
| Earnings coverage of net charge-offs (x) | 38.0449% | 706 |
| Efficiency ratio | 67.6538% | 4,430 |
| Assets per employee ($millions) | 3.5363% | 4,924 |
| Cash dividends to net income (ytd only)* | 68.7758% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7254% | 3,107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 6,145 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 52.4549% | 5,242 |
| Net loans and leases to deposits | 59.8619% | 5,499 |
| Net loans and leases to core deposits | 66.9865% | 5,157 |
| Total domestic deposits to total assets | 87.6266% | 2,387 |
| Equity capital to assets | 11.8231% | 2,257 |
| Core capital (leverage) ratio | 11.3895% | 1,977 |
| Tier 1 risk-based capital ratio | 19.4730% | 1,773 |
| Total risk-based capital ratio | 20.7274% | 1,736 |
| Memoranda: | ||
| Average total assets | $227,962,800 | 2,750 |
| Average earning assets | $217,477,600 | 2,643 |
| Average equity | $27,354,800 | 2,370 |
| Average total loans | $129,383,800 | 2,989 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6388% | 4,713 |
| Cost of funding earning assets | 0.2779% | 7,247 |
| Net interest margin | 4.3609% | 1,526 |
| Noninterest income to average assets | 0.4743% | 4,091 |
| Noninterest expense to average assets | 3.1348% | 3,038 |
| Loan and lease loss provision to assets | 0.2422% | 3,586 |
| Net operating income to assets | 0.8992% | 2,742 |
| Return on assets (ROA) | 0.9126% | 2,825 |
| Pretax return on assets | 1.2788% | 2,365 |
| Return on Equity (ROE) | 7.5761% | 3,239 |
| Retained earnings to average equity (ytd only) | 2.0595% | 5,107 |
| Net charge-offs to loans | 0.1025% | 4,971 |
| Credit loss provision to net charge-offs | 410.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 25.4300% | 1,046 |
| Efficiency ratio | 67.6051% | 4,400 |
| Assets per employee ($millions) | 3.4628% | 5,086 |
| Cash dividends to net income (ytd only)* | 72.8154% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6860% | 3,315 |
| Loan loss allowance to noncurrent loans | 203.6585% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.4664% | 5,918 |
| Noncurrent loans to loans | 0.8278% | 5,216 |
| Net loans and leases to total assets | 55.3931% | 4,938 |
| Net loans and leases to deposits | 63.6540% | 5,214 |
| Net loans and leases to core deposits | 70.2291% | 4,926 |
| Total domestic deposits to total assets | 87.0221% | 2,646 |
| Equity capital to assets | 12.1316% | 2,152 |
| Core capital (leverage) ratio | 11.5970% | 1,959 |
| Tier 1 risk-based capital ratio | 18.8908% | 1,968 |
| Total risk-based capital ratio | 20.1447% | 1,936 |
| Memoranda: | ||
| Average total assets | $225,719,750 | 2,784 |
| Average earning assets | $215,453,250 | 2,675 |
| Average equity | $27,190,250 | 2,379 |
| Average total loans | $130,113,250 | 3,004 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6723% | 4,648 |
| Cost of funding earning assets | 0.2890% | 7,324 |
| Net interest margin | 4.3833% | 1,426 |
| Noninterest income to average assets | 0.4689% | 4,121 |
| Noninterest expense to average assets | 3.1889% | 2,944 |
| Loan and lease loss provision to assets | 0.3648% | 2,607 |
| Net operating income to assets | 0.7850% | 3,139 |
| Return on assets (ROA) | 0.8052% | 3,173 |
| Pretax return on assets | 1.1264% | 2,740 |
| Return on Equity (ROE) | 6.7008% | 3,590 |
| Retained earnings to average equity (ytd only) | 1.1477% | 5,404 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5539% | 4,414 |
| Assets per employee ($millions) | 3.2847% | 5,454 |
| Cash dividends to net income (ytd only)* | 82.8729% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7463% | 3,164 |
| Loan loss allowance to noncurrent loans | 114.5812% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.8874% | 5,099 |
| Noncurrent loans to loans | 1.5240% | 4,137 |
| Net loans and leases to total assets | 57.2079% | 4,788 |
| Net loans and leases to deposits | 65.6698% | 5,049 |
| Net loans and leases to core deposits | 72.9253% | 4,718 |
| Total domestic deposits to total assets | 87.1145% | 2,675 |
| Equity capital to assets | 12.1822% | 1,976 |
| Core capital (leverage) ratio | 11.7559% | 1,744 |
| Tier 1 risk-based capital ratio | 18.4573% | 2,026 |
| Total risk-based capital ratio | 19.7118% | 1,975 |
| Memoranda: | ||
| Average total assets | $224,778,670 | 2,808 |
| Average earning assets | $214,497,330 | 2,706 |
| Average equity | $27,011,670 | 2,383 |
| Average total loans | $130,561,670 | 3,028 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6506% | 4,744 |
| Cost of funding earning assets | 0.3062% | 7,381 |
| Net interest margin | 4.3444% | 1,434 |
| Noninterest income to average assets | 0.4364% | 4,398 |
| Noninterest expense to average assets | 3.2587% | 2,682 |
| Loan and lease loss provision to assets | 0.1863% | 3,752 |
| Net operating income to assets | 0.8373% | 2,843 |
| Return on assets (ROA) | 0.8373% | 2,904 |
| Pretax return on assets | 1.1442% | 2,590 |
| Return on Equity (ROE) | 7.0153% | 3,373 |
| Retained earnings to average equity (ytd only) | 1.4417% | 5,240 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0089% | 4,055 |
| Assets per employee ($millions) | 3.2787% | 5,528 |
| Cash dividends to net income (ytd only)* | 79.4492% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 4,265 |
| Loan loss allowance to noncurrent loans | 99.1927% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.8890% | 5,125 |
| Noncurrent loans to loans | 1.5011% | 4,221 |
| Net loans and leases to total assets | 58.3414% | 4,584 |
| Net loans and leases to deposits | 66.9566% | 4,831 |
| Net loans and leases to core deposits | 74.1657% | 4,523 |
| Total domestic deposits to total assets | 87.1332% | 2,872 |
| Equity capital to assets | 12.1254% | 1,844 |
| Core capital (leverage) ratio | 11.6460% | 1,772 |
| Tier 1 risk-based capital ratio | 18.1995% | 2,051 |
| Total risk-based capital ratio | 19.4510% | 2,018 |
| Memoranda: | ||
| Average total assets | $225,488,500 | 2,815 |
| Average earning assets | $215,541,500 | 2,716 |
| Average equity | $26,912,500 | 2,386 |
| Average total loans | $130,817,500 | 3,052 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8868% | 5,096 |
| Cost of funding earning assets | 0.4392% | 7,387 |
| Net interest margin | 4.4477% | 1,361 |
| Noninterest income to average assets | 0.5102% | 4,092 |
| Noninterest expense to average assets | 3.2264% | 2,991 |
| Loan and lease loss provision to assets | 0.2832% | 4,538 |
| Net operating income to assets | 0.8902% | 2,426 |
| Return on assets (ROA) | 0.9382% | 2,375 |
| Pretax return on assets | 1.2973% | 1,929 |
| Return on Equity (ROE) | 7.8128% | 2,773 |
| Retained earnings to average equity (ytd only) | 2.2322% | 4,321 |
| Net charge-offs to loans | 0.3677% | 4,191 |
| Credit loss provision to net charge-offs | 131.5353% | 3,005 |
| Earnings coverage of net charge-offs (x) | 7.0311% | 2,216 |
| Efficiency ratio | 68.0614% | 4,553 |
| Assets per employee ($millions) | 3.3533% | 5,296 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 4,342 |
| Loan loss allowance to noncurrent loans | 91.8106% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.8889% | 5,238 |
| Noncurrent loans to loans | 1.5641% | 4,156 |
| Net loans and leases to total assets | 56.0178% | 5,344 |
| Net loans and leases to deposits | 64.0637% | 5,623 |
| Net loans and leases to core deposits | 70.7448% | 5,366 |
| Total domestic deposits to total assets | 87.4408% | 2,588 |
| Equity capital to assets | 11.7492% | 2,085 |
| Core capital (leverage) ratio | 11.4927% | 1,836 |
| Tier 1 risk-based capital ratio | 18.5635% | 1,824 |
| Total risk-based capital ratio | 19.8149% | 1,790 |
| Memoranda: | ||
| Average total assets | $223,842,800 | 2,824 |
| Average earning assets | $212,898,800 | 2,716 |
| Average equity | $26,879,000 | 2,384 |
| Average total loans | $131,074,000 | 3,101 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9406% | 5,076 |
| Cost of funding earning assets | 0.4656% | 7,493 |
| Net interest margin | 4.4750% | 1,314 |
| Noninterest income to average assets | 0.4943% | 4,232 |
| Noninterest expense to average assets | 3.2519% | 2,731 |
| Loan and lease loss provision to assets | 0.0682% | 6,390 |
| Net operating income to assets | 1.0099% | 2,202 |
| Return on assets (ROA) | 1.0179% | 2,290 |
| Pretax return on assets | 1.4356% | 1,785 |
| Return on Equity (ROE) | 8.4307% | 2,725 |
| Retained earnings to average equity (ytd only) | 2.8548% | 4,426 |
| Net charge-offs to loans | 0.0254% | 6,317 |
| Credit loss provision to net charge-offs | 456.0000% | 659 |
| Earnings coverage of net charge-offs (x) | 99.7675% | 307 |
| Efficiency ratio | 68.5419% | 4,368 |
| Assets per employee ($millions) | 3.3685% | 5,280 |
| Cash dividends to net income (ytd only)* | 66.1376% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 4,432 |
| Loan loss allowance to noncurrent loans | 72.4124% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.1861% | 4,765 |
| Noncurrent loans to loans | 1.9402% | 3,760 |
| Net loans and leases to total assets | 55.9087% | 5,554 |
| Net loans and leases to deposits | 64.3659% | 5,871 |
| Net loans and leases to core deposits | 70.9859% | 5,642 |
| Total domestic deposits to total assets | 86.8608% | 2,606 |
| Equity capital to assets | 12.1281% | 2,076 |
| Core capital (leverage) ratio | 11.5123% | 1,934 |
| Tier 1 risk-based capital ratio | 18.4417% | 1,882 |
| Total risk-based capital ratio | 19.6923% | 1,848 |
| Memoranda: | ||
| Average total assets | $222,797,500 | 2,872 |
| Average earning assets | $211,601,000 | 2,774 |
| Average equity | $26,901,000 | 2,422 |
| Average total loans | $131,443,750 | 3,150 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9933% | 4,973 |
| Cost of funding earning assets | 0.4920% | 7,553 |
| Net interest margin | 4.5013% | 1,207 |
| Noninterest income to average assets | 0.4643% | 4,403 |
| Noninterest expense to average assets | 3.2736% | 2,650 |
| Loan and lease loss provision to assets | 0.0757% | 6,184 |
| Net operating income to assets | 1.0081% | 2,161 |
| Return on assets (ROA) | 1.0206% | 2,190 |
| Pretax return on assets | 1.4047% | 1,829 |
| Return on Equity (ROE) | 8.4655% | 2,682 |
| Retained earnings to average equity (ytd only) | 2.8567% | 4,325 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1093% | 4,356 |
| Assets per employee ($millions) | 3.2510% | 5,550 |
| Cash dividends to net income (ytd only)* | 66.2544% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3932% | 4,461 |
| Loan loss allowance to noncurrent loans | 71.3490% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.2068% | 4,725 |
| Noncurrent loans to loans | 1.9527% | 3,785 |
| Net loans and leases to total assets | 56.5712% | 5,612 |
| Net loans and leases to deposits | 64.8571% | 5,926 |
| Net loans and leases to core deposits | 72.2192% | 5,647 |
| Total domestic deposits to total assets | 87.2244% | 2,421 |
| Equity capital to assets | 12.0601% | 2,061 |
| Core capital (leverage) ratio | 11.5575% | 1,878 |
| Tier 1 risk-based capital ratio | 18.0573% | 1,947 |
| Total risk-based capital ratio | 19.3078% | 1,914 |
| Memoranda: | ||
| Average total assets | $221,833,000 | 2,914 |
| Average earning assets | $210,561,670 | 2,811 |
| Average equity | $26,744,000 | 2,426 |
| Average total loans | $132,598,670 | 3,159 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0896% | 4,578 |
| Cost of funding earning assets | 0.5239% | 7,641 |
| Net interest margin | 4.5657% | 1,013 |
| Noninterest income to average assets | 0.4515% | 4,453 |
| Noninterest expense to average assets | 3.3365% | 2,406 |
| Loan and lease loss provision to assets | 0.0979% | 5,655 |
| Net operating income to assets | 1.0028% | 2,168 |
| Return on assets (ROA) | 1.0028% | 2,236 |
| Pretax return on assets | 1.3473% | 1,912 |
| Return on Equity (ROE) | 8.3191% | 2,730 |
| Retained earnings to average equity (ytd only) | 2.6777% | 4,540 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7763% | 4,352 |
| Assets per employee ($millions) | 3.2740% | 5,600 |
| Cash dividends to net income (ytd only)* | 67.8119% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 4,776 |
| Loan loss allowance to noncurrent loans | 67.7035% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.2568% | 4,660 |
| Noncurrent loans to loans | 1.9639% | 3,839 |
| Net loans and leases to total assets | 58.7637% | 5,311 |
| Net loans and leases to deposits | 67.3569% | 5,667 |
| Net loans and leases to core deposits | 74.4441% | 5,450 |
| Total domestic deposits to total assets | 87.2423% | 2,511 |
| Equity capital to assets | 11.9901% | 2,050 |
| Core capital (leverage) ratio | 11.7197% | 1,790 |
| Tier 1 risk-based capital ratio | 17.2747% | 2,162 |
| Total risk-based capital ratio | 18.4873% | 2,135 |
| Memoranda: | ||
| Average total assets | $220,590,000 | 2,983 |
| Average earning assets | $209,210,000 | 2,883 |
| Average equity | $26,589,500 | 2,459 |
| Average total loans | $134,551,500 | 3,174 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4354% | 4,512 |
| Cost of funding earning assets | 0.7381% | 7,638 |
| Net interest margin | 4.6973% | 839 |
| Noninterest income to average assets | 0.5089% | 4,345 |
| Noninterest expense to average assets | 3.3222% | 2,939 |
| Loan and lease loss provision to assets | 0.3001% | 5,034 |
| Net operating income to assets | 0.9657% | 1,959 |
| Return on assets (ROA) | 0.9893% | 1,925 |
| Pretax return on assets | 1.3755% | 1,490 |
| Return on Equity (ROE) | 8.2693% | 2,271 |
| Retained earnings to average equity (ytd only) | 2.4893% | 3,400 |
| Net charge-offs to loans | 0.3618% | 4,417 |
| Credit loss provision to net charge-offs | 130.9859% | 3,875 |
| Earnings coverage of net charge-offs (x) | 7.1710% | 2,206 |
| Efficiency ratio | 66.9112% | 5,206 |
| Assets per employee ($millions) | 3.2139% | 5,691 |
| Cash dividends to net income (ytd only)* | 69.8975% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 5,038 |
| Loan loss allowance to noncurrent loans | 60.5599% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 1.2913% | 4,500 |
| Noncurrent loans to loans | 2.0672% | 3,563 |
| Net loans and leases to total assets | 61.6818% | 5,059 |
| Net loans and leases to deposits | 70.9624% | 5,476 |
| Net loans and leases to core deposits | 87.3421% | 5,401 |
| Total domestic deposits to total assets | 86.9217% | 2,553 |
| Equity capital to assets | 12.1187% | 1,960 |
| Core capital (leverage) ratio | 11.8311% | 1,742 |
| Tier 1 risk-based capital ratio | 16.8170% | 2,200 |
| Total risk-based capital ratio | 17.9859% | 2,192 |
| Memoranda: | ||
| Average total assets | $216,931,600 | 2,986 |
| Average earning assets | $205,798,800 | 2,893 |
| Average equity | $25,951,400 | 2,534 |
| Average total loans | $137,386,400 | 3,129 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4881% | 4,478 |
| Cost of funding earning assets | 0.7919% | 7,702 |
| Net interest margin | 4.6962% | 832 |
| Noninterest income to average assets | 0.5172% | 4,341 |
| Noninterest expense to average assets | 3.3639% | 2,676 |
| Loan and lease loss provision to assets | 0.3633% | 4,143 |
| Net operating income to assets | 0.9116% | 2,384 |
| Return on assets (ROA) | 0.9224% | 2,407 |
| Pretax return on assets | 1.2635% | 2,069 |
| Return on Equity (ROE) | 7.7360% | 2,758 |
| Retained earnings to average equity (ytd only) | 1.9263% | 4,250 |
| Net charge-offs to loans | 0.4816% | 3,303 |
| Credit loss provision to net charge-offs | 118.7123% | 4,270 |
| Earnings coverage of net charge-offs (x) | 5.2676% | 2,881 |
| Efficiency ratio | 67.6030% | 5,059 |
| Assets per employee ($millions) | 3.1421% | 5,802 |
| Cash dividends to net income (ytd only)* | 75.1001% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 5,020 |
| Loan loss allowance to noncurrent loans | 57.9058% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 1.3519% | 4,388 |
| Noncurrent loans to loans | 2.1016% | 3,504 |
| Net loans and leases to total assets | 63.5452% | 4,961 |
| Net loans and leases to deposits | 73.4998% | 5,445 |
| Net loans and leases to core deposits | 89.6873% | 5,466 |
| Total domestic deposits to total assets | 86.4563% | 2,451 |
| Equity capital to assets | 12.5794% | 1,894 |
| Core capital (leverage) ratio | 11.8270% | 1,883 |
| Tier 1 risk-based capital ratio | 16.8497% | 2,319 |
| Total risk-based capital ratio | 18.0115% | 2,293 |
| Memoranda: | ||
| Average total assets | $216,528,000 | 3,003 |
| Average earning assets | $205,579,500 | 2,912 |
| Average equity | $25,818,000 | 2,564 |
| Average total loans | $137,605,000 | 3,160 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4650% | 4,815 |
| Cost of funding earning assets | 0.8626% | 7,739 |
| Net interest margin | 4.6024% | 948 |
| Noninterest income to average assets | 0.5052% | 4,400 |
| Noninterest expense to average assets | 3.4448% | 2,507 |
| Loan and lease loss provision to assets | 0.4988% | 3,043 |
| Net operating income to assets | 0.7143% | 3,192 |
| Return on assets (ROA) | 0.7312% | 3,236 |
| Pretax return on assets | 0.9491% | 3,181 |
| Return on Equity (ROE) | 6.2430% | 3,538 |
| Retained earnings to average equity (ytd only) | 0.3829% | 5,064 |
| Net charge-offs to loans | 0.7186% | 2,259 |
| Credit loss provision to net charge-offs | 109.6579% | 4,226 |
| Earnings coverage of net charge-offs (x) | 3.1348% | 3,554 |
| Efficiency ratio | 70.7253% | 4,637 |
| Assets per employee ($millions) | 3.1323% | 5,772 |
| Cash dividends to net income (ytd only)* | 93.8673% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 5,135 |
| Loan loss allowance to noncurrent loans | 55.8537% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 1.3279% | 4,295 |
| Noncurrent loans to loans | 2.0972% | 3,385 |
| Net loans and leases to total assets | 62.5776% | 5,254 |
| Net loans and leases to deposits | 71.8112% | 5,759 |
| Net loans and leases to core deposits | 89.0058% | 5,631 |
| Total domestic deposits to total assets | 87.1418% | 2,173 |
| Equity capital to assets | 11.9004% | 2,261 |
| Core capital (leverage) ratio | 11.3536% | 2,167 |
| Tier 1 risk-based capital ratio | 16.3181% | 2,513 |
| Total risk-based capital ratio | 17.4383% | 2,501 |
| Memoranda: | ||
| Average total assets | $218,531,330 | 2,996 |
| Average earning assets | $207,282,330 | 2,907 |
| Average equity | $25,596,670 | 2,592 |
| Average total loans | $138,332,670 | 3,174 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4707% | 5,062 |
| Cost of funding earning assets | 0.9406% | 7,762 |
| Net interest margin | 4.5300% | 1,070 |
| Noninterest income to average assets | 0.4296% | 4,963 |
| Noninterest expense to average assets | 3.3495% | 2,498 |
| Loan and lease loss provision to assets | 0.9102% | 1,438 |
| Net operating income to assets | 0.4003% | 4,861 |
| Return on assets (ROA) | 0.4387% | 4,875 |
| Pretax return on assets | 0.5006% | 5,076 |
| Return on Equity (ROE) | 3.7752% | 5,041 |
| Retained earnings to average equity (ytd only) | -2.0991% | 6,124 |
| Net charge-offs to loans | 1.4295% | 1,001 |
| Credit loss provision to net charge-offs | 100.6036% | 3,703 |
| Earnings coverage of net charge-offs (x) | 1.5111% | 3,978 |
| Efficiency ratio | 71.0151% | 4,368 |
| Assets per employee ($millions) | 3.1393% | 5,777 |
| Cash dividends to net income (ytd only)* | 155.6017% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 5,336 |
| Loan loss allowance to noncurrent loans | 53.8355% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 1.4871% | 3,699 |
| Noncurrent loans to loans | 2.0777% | 3,154 |
| Net loans and leases to total assets | 62.6768% | 5,211 |
| Net loans and leases to deposits | 71.6796% | 5,786 |
| Net loans and leases to core deposits | 89.0784% | 5,637 |
| Total domestic deposits to total assets | 87.4403% | 1,995 |
| Equity capital to assets | 11.6154% | 2,509 |
| Core capital (leverage) ratio | 11.2224% | 2,319 |
| Tier 1 risk-based capital ratio | 15.6882% | 2,790 |
| Total risk-based capital ratio | 16.7343% | 2,794 |
| Memoranda: | ||
| Average total assets | $219,733,500 | 2,989 |
| Average earning assets | $207,945,500 | 2,911 |
| Average equity | $25,535,000 | 2,606 |
| Average total loans | $139,074,000 | 3,186 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0069% | 5,516 |
| Cost of funding earning assets | 1.3032% | 7,847 |
| Net interest margin | 4.7037% | 961 |
| Noninterest income to average assets | 0.4891% | 4,701 |
| Noninterest expense to average assets | 3.2202% | 3,257 |
| Loan and lease loss provision to assets | 0.0579% | 6,689 |
| Net operating income to assets | 1.1469% | 1,960 |
| Return on assets (ROA) | 1.1604% | 1,836 |
| Pretax return on assets | 1.6756% | 1,202 |
| Return on Equity (ROE) | 9.8788% | 2,302 |
| Retained earnings to average equity (ytd only) | 3.8206% | 2,751 |
| Net charge-offs to loans | 0.0079% | 6,831 |
| Credit loss provision to net charge-offs | 1,109.0909% | 398 |
| Earnings coverage of net charge-offs (x) | 328.4545% | 145 |
| Efficiency ratio | 65.2630% | 5,263 |
| Assets per employee ($millions) | 3.0946% | 5,783 |
| Cash dividends to net income (ytd only)* | 61.3246% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 5,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 62.4907% | 5,540 |
| Net loans and leases to deposits | 71.4772% | 6,119 |
| Net loans and leases to core deposits | 87.5316% | 6,018 |
| Total domestic deposits to total assets | 87.4274% | 1,738 |
| Equity capital to assets | 11.6264% | 2,550 |
| Core capital (leverage) ratio | 11.3704% | 2,323 |
| Tier 1 risk-based capital ratio | 15.2211% | 2,949 |
| Total risk-based capital ratio | 16.2029% | 2,983 |
| Memoranda: | ||
| Average total assets | $210,795,200 | 2,999 |
| Average earning assets | $199,205,400 | 2,899 |
| Average equity | $24,760,200 | 2,659 |
| Average total loans | $138,985,400 | 3,113 |