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 | 3.4854% | 5,462 |
| Cost of funding earning assets | 1.0793% | 177 |
| Net interest margin | 2.4061% | 6,414 |
| Noninterest income to average assets | 0.1672% | 5,978 |
| Noninterest expense to average assets | 3.5634% | 1,373 |
| Loan and lease loss provision to assets | 3.7258% | 13 |
| Net operating income to assets | -4.9391% | 6,710 |
| Return on assets (ROA) | -4.9391% | 6,710 |
| Pretax return on assets | -4.9391% | 6,708 |
| Return on Equity (ROE) | -455.0055% | 6,729 |
| Retained earnings to average equity (ytd only) | -455.0055% | 6,729 |
| Net charge-offs to loans | 0.0153% | 3,286 |
| Credit loss provision to net charge-offs | 39,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | -127.0000% | 3,651 |
| Efficiency ratio | 148.7805% | 69 |
| Assets per employee ($millions) | 7.4403% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4390% | 18 |
| Loan loss allowance to noncurrent loans | 52.9804% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 11.1592% | 90 |
| Noncurrent loans to loans | 15.9285% | 36 |
| Net loans and leases to total assets | 57.9720% | 3,846 |
| Net loans and leases to deposits | 71.3034% | 3,432 |
| Net loans and leases to core deposits | 74.5233% | 3,587 |
| Total domestic deposits to total assets | 81.3032% | 5,150 |
| Equity capital to assets | 0.5327% | 6,727 |
| Core capital (leverage) ratio | 0.5476% | 6,727 |
| Tier 1 risk-based capital ratio | 0.8735% | 6,727 |
| Total risk-based capital ratio | 1.7470% | 6,727 |
| Memoranda: | ||
| Average total assets | $83,739,500 | 5,115 |
| Average earning assets | $75,974,000 | 5,115 |
| Average equity | $909,000 | 6,710 |
| Average total loans | $52,127,500 | 4,861 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5786% | 5,459 |
| Cost of funding earning assets | 1.0968% | 293 |
| Net interest margin | 2.4818% | 6,385 |
| Noninterest income to average assets | 1.5691% | 583 |
| Noninterest expense to average assets | 3.2485% | 2,283 |
| Loan and lease loss provision to assets | 1.6355% | 75 |
| Net operating income to assets | -1.0382% | 6,616 |
| Return on assets (ROA) | -1.0382% | 6,613 |
| Pretax return on assets | -1.0382% | 6,597 |
| Return on Equity (ROE) | -50.2539% | 6,773 |
| Retained earnings to average equity (ytd only) | -50.2539% | 6,770 |
| Net charge-offs to loans | 2.7136% | 96 |
| Credit loss provision to net charge-offs | 90.5750% | 2,738 |
| Earnings coverage of net charge-offs (x) | 0.3308% | 4,972 |
| Efficiency ratio | 82.8556% | 1,768 |
| Assets per employee ($millions) | 8.5636% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8560% | 28 |
| Loan loss allowance to noncurrent loans | 70.2560% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 7.5202% | 217 |
| Noncurrent loans to loans | 9.7586% | 116 |
| Net loans and leases to total assets | 57.0333% | 4,188 |
| Net loans and leases to deposits | 70.4593% | 3,726 |
| Net loans and leases to core deposits | 73.5026% | 3,894 |
| Total domestic deposits to total assets | 80.9449% | 5,197 |
| Equity capital to assets | 1.6138% | 6,795 |
| Core capital (leverage) ratio | 1.6855% | 6,803 |
| Tier 1 risk-based capital ratio | 2.6607% | 6,800 |
| Total risk-based capital ratio | 3.9740% | 6,800 |
| Memoranda: | ||
| Average total assets | $93,427,600 | 4,899 |
| Average earning assets | $85,705,000 | 4,889 |
| Average equity | $1,930,200 | 6,696 |
| Average total loans | $62,168,000 | 4,540 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6309% | 5,352 |
| Cost of funding earning assets | 1.1064% | 299 |
| Net interest margin | 2.5244% | 6,408 |
| Noninterest income to average assets | 1.9613% | 433 |
| Noninterest expense to average assets | 3.3089% | 2,058 |
| Loan and lease loss provision to assets | 1.2735% | 106 |
| Net operating income to assets | -0.2992% | 6,524 |
| Return on assets (ROA) | -0.2992% | 6,537 |
| Pretax return on assets | -0.2992% | 6,517 |
| Return on Equity (ROE) | -13.8024% | 6,724 |
| Retained earnings to average equity (ytd only) | -13.8024% | 6,692 |
| Net charge-offs to loans | 0.9948% | 573 |
| Credit loss provision to net charge-offs | 189.0041% | 1,278 |
| Earnings coverage of net charge-offs (x) | 1.4461% | 4,353 |
| Efficiency ratio | 75.8486% | 2,755 |
| Assets per employee ($millions) | 7.8059% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2321% | 24 |
| Loan loss allowance to noncurrent loans | 65.2065% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 8.5856% | 196 |
| Noncurrent loans to loans | 11.0911% | 101 |
| Net loans and leases to total assets | 62.4888% | 3,267 |
| Net loans and leases to deposits | 78.1690% | 2,641 |
| Net loans and leases to core deposits | 81.5788% | 2,930 |
| Total domestic deposits to total assets | 79.9406% | 5,522 |
| Equity capital to assets | 2.3816% | 6,865 |
| Core capital (leverage) ratio | 2.2929% | 6,876 |
| Tier 1 risk-based capital ratio | 3.7590% | 6,868 |
| Total risk-based capital ratio | 5.0806% | 6,867 |
| Memoranda: | ||
| Average total assets | $95,375,500 | 4,898 |
| Average earning assets | $87,727,250 | 4,879 |
| Average equity | $2,067,250 | 6,761 |
| Average total loans | $64,601,000 | 4,505 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6391% | 5,327 |
| Cost of funding earning assets | 1.1029% | 335 |
| Net interest margin | 2.5361% | 6,407 |
| Noninterest income to average assets | 2.6526% | 295 |
| Noninterest expense to average assets | 3.3670% | 1,897 |
| Loan and lease loss provision to assets | 1.5627% | 79 |
| Net operating income to assets | 0.0609% | 6,220 |
| Return on assets (ROA) | 0.0609% | 6,300 |
| Pretax return on assets | 0.0609% | 6,293 |
| Return on Equity (ROE) | 2.8920% | 5,666 |
| Retained earnings to average equity (ytd only) | 2.8920% | 4,471 |
| Net charge-offs to loans | 0.6282% | 1,048 |
| Credit loss provision to net charge-offs | 366.6667% | 705 |
| Earnings coverage of net charge-offs (x) | 3.8095% | 3,294 |
| Efficiency ratio | 66.2871% | 4,500 |
| Assets per employee ($millions) | 8.5774% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7779% | 31 |
| Loan loss allowance to noncurrent loans | 161.2710% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 3.3057% | 1,187 |
| Noncurrent loans to loans | 4.2028% | 890 |
| Net loans and leases to total assets | 62.8865% | 3,123 |
| Net loans and leases to deposits | 76.6253% | 2,778 |
| Net loans and leases to core deposits | 80.6464% | 2,959 |
| Total domestic deposits to total assets | 82.0701% | 5,036 |
| Equity capital to assets | 2.3285% | 6,923 |
| Core capital (leverage) ratio | 2.3597% | 6,927 |
| Tier 1 risk-based capital ratio | 3.7911% | 6,915 |
| Total risk-based capital ratio | 5.1073% | 6,915 |
| Memoranda: | ||
| Average total assets | $98,545,670 | 4,852 |
| Average earning assets | $90,847,330 | 4,817 |
| Average equity | $2,074,670 | 6,807 |
| Average total loans | $66,855,000 | 4,434 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8234% | 4,740 |
| Cost of funding earning assets | 1.1004% | 374 |
| Net interest margin | 2.7230% | 6,182 |
| Noninterest income to average assets | 4.3520% | 176 |
| Noninterest expense to average assets | 3.0087% | 2,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 3.8512% | 67 |
| Return on assets (ROA) | 3.8512% | 71 |
| Pretax return on assets | 3.8512% | 90 |
| Return on Equity (ROE) | 192.5006% | 5 |
| Retained earnings to average equity (ytd only) | 192.5006% | 4 |
| Net charge-offs to loans | 0.1227% | 2,687 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 46.1429% | 711 |
| Efficiency ratio | 43.0475% | 6,806 |
| Assets per employee ($millions) | 9.3308% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3787% | 105 |
| Loan loss allowance to noncurrent loans | 425.1708% | 982 |
| Noncurrent assets plus other real estate owned to assets | 1.1341% | 3,674 |
| Noncurrent loans to loans | 1.2651% | 3,663 |
| Net loans and leases to total assets | 63.9825% | 2,710 |
| Net loans and leases to deposits | 77.7484% | 2,375 |
| Net loans and leases to core deposits | 82.3389% | 2,529 |
| Total domestic deposits to total assets | 82.2943% | 5,093 |
| Equity capital to assets | 3.2941% | 6,966 |
| Core capital (leverage) ratio | 2.6619% | 6,981 |
| Tier 1 risk-based capital ratio | 3.7973% | 6,981 |
| Total risk-based capital ratio | 5.0977% | 6,981 |
| Memoranda: | ||
| Average total assets | $100,643,000 | 4,850 |
| Average earning assets | $92,692,500 | 4,829 |
| Average equity | $2,013,500 | 6,877 |
| Average total loans | $68,458,500 | 4,400 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2915% | 4,217 |
| Cost of funding earning assets | 1.1812% | 631 |
| Net interest margin | 3.1103% | 5,793 |
| Noninterest income to average assets | -0.1685% | 6,941 |
| Noninterest expense to average assets | 3.2163% | 2,556 |
| Loan and lease loss provision to assets | 3.2090% | 31 |
| Net operating income to assets | -4.5979% | 7,049 |
| Return on assets (ROA) | -4.4762% | 7,047 |
| Pretax return on assets | -3.6467% | 7,038 |
| Return on Equity (ROE) | -93.1877% | 7,066 |
| Retained earnings to average equity (ytd only) | -93.1877% | 7,066 |
| Net charge-offs to loans | 0.3028% | 3,131 |
| Credit loss provision to net charge-offs | 1,615.2074% | 147 |
| Earnings coverage of net charge-offs (x) | -2.8157% | 5,866 |
| Efficiency ratio | 119.0558% | 217 |
| Assets per employee ($millions) | 8.2206% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5604% | 91 |
| Loan loss allowance to noncurrent loans | 442.6887% | 908 |
| Noncurrent assets plus other real estate owned to assets | 1.1729% | 3,703 |
| Noncurrent loans to loans | 1.2561% | 3,734 |
| Net loans and leases to total assets | 64.6335% | 2,792 |
| Net loans and leases to deposits | 76.5598% | 2,709 |
| Net loans and leases to core deposits | 81.2041% | 2,861 |
| Total domestic deposits to total assets | 84.4222% | 4,114 |
| Equity capital to assets | 0.6549% | 7,079 |
| Core capital (leverage) ratio | 0.6456% | 7,079 |
| Tier 1 risk-based capital ratio | 0.9154% | 7,079 |
| Total risk-based capital ratio | 1.8308% | 7,079 |
| Memoranda: | ||
| Average total assets | $109,223,200 | 4,609 |
| Average earning assets | $99,218,800 | 4,609 |
| Average equity | $5,246,400 | 6,222 |
| Average total loans | $71,669,000 | 4,295 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4333% | 3,910 |
| Cost of funding earning assets | 1.1934% | 716 |
| Net interest margin | 3.2398% | 5,583 |
| Noninterest income to average assets | -0.0656% | 7,001 |
| Noninterest expense to average assets | 3.1751% | 2,649 |
| Loan and lease loss provision to assets | 0.2217% | 2,844 |
| Net operating income to assets | 0.0225% | 6,250 |
| Return on assets (ROA) | 0.1240% | 6,225 |
| Pretax return on assets | -0.3659% | 6,638 |
| Return on Equity (ROE) | 2.1677% | 5,980 |
| Retained earnings to average equity (ytd only) | 2.1677% | 5,243 |
| Net charge-offs to loans | 0.2347% | 3,316 |
| Credit loss provision to net charge-offs | 145.3125% | 1,966 |
| Earnings coverage of net charge-offs (x) | -1.9844% | 5,648 |
| Efficiency ratio | 108.7552% | 329 |
| Assets per employee ($millions) | 8.5268% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4092% | 7,008 |
| Loan loss allowance to noncurrent loans | 32.4541% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 1.3018% | 3,691 |
| Noncurrent loans to loans | 1.2610% | 3,945 |
| Net loans and leases to total assets | 67.3062% | 2,406 |
| Net loans and leases to deposits | 84.0943% | 1,864 |
| Net loans and leases to core deposits | 89.4716% | 2,052 |
| Total domestic deposits to total assets | 80.0366% | 5,644 |
| Equity capital to assets | 5.9625% | 6,990 |
| Core capital (leverage) ratio | 5.5682% | 6,973 |
| Tier 1 risk-based capital ratio | 7.8265% | 7,002 |
| Total risk-based capital ratio | 8.2041% | 7,049 |
| Memoranda: | ||
| Average total assets | $111,867,250 | 4,591 |
| Average earning assets | $101,442,750 | 4,607 |
| Average equity | $6,396,500 | 5,988 |
| Average total loans | $72,708,000 | 4,304 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5709% | 3,476 |
| Cost of funding earning assets | 1.1921% | 848 |
| Net interest margin | 3.3788% | 5,169 |
| Noninterest income to average assets | 0.2312% | 5,920 |
| Noninterest expense to average assets | 3.1482% | 2,752 |
| Loan and lease loss provision to assets | 0.0504% | 5,037 |
| Net operating income to assets | 0.2451% | 5,778 |
| Return on assets (ROA) | 0.4763% | 5,174 |
| Pretax return on assets | 0.3286% | 5,902 |
| Return on Equity (ROE) | 8.4373% | 3,052 |
| Retained earnings to average equity (ytd only) | 8.4373% | 1,469 |
| Net charge-offs to loans | 0.0108% | 5,302 |
| Credit loss provision to net charge-offs | 725.0000% | 435 |
| Earnings coverage of net charge-offs (x) | 21.2500% | 1,353 |
| Efficiency ratio | 93.9873% | 803 |
| Assets per employee ($millions) | 8.5761% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3435% | 7,102 |
| Loan loss allowance to noncurrent loans | 13.1027% | 6,673 |
| Noncurrent assets plus other real estate owned to assets | 2.1240% | 2,634 |
| Noncurrent loans to loans | 2.6217% | 2,292 |
| Net loans and leases to total assets | 65.0540% | 2,833 |
| Net loans and leases to deposits | 79.6993% | 2,423 |
| Net loans and leases to core deposits | 85.0210% | 2,559 |
| Total domestic deposits to total assets | 81.6242% | 5,256 |
| Equity capital to assets | 5.5342% | 7,062 |
| Core capital (leverage) ratio | 5.2139% | 7,053 |
| Tier 1 risk-based capital ratio | 7.5285% | 7,062 |
| Total risk-based capital ratio | 7.8460% | 7,113 |
| Memoranda: | ||
| Average total assets | $115,049,000 | 4,526 |
| Average earning assets | $104,355,330 | 4,557 |
| Average equity | $6,495,000 | 5,986 |
| Average total loans | $73,893,330 | 4,281 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0865% | 1,621 |
| Cost of funding earning assets | 1.2205% | 893 |
| Net interest margin | 3.8661% | 3,074 |
| Noninterest income to average assets | 0.1815% | 6,296 |
| Noninterest expense to average assets | 3.2492% | 2,437 |
| Loan and lease loss provision to assets | 0.0993% | 4,100 |
| Net operating income to assets | 4.2250% | 57 |
| Return on assets (ROA) | 4.5434% | 54 |
| Pretax return on assets | 0.6437% | 4,956 |
| Return on Equity (ROE) | 79.7296% | 11 |
| Retained earnings to average equity (ytd only) | 79.7296% | 8 |
| Net charge-offs to loans | 0.0322% | 4,237 |
| Credit loss provision to net charge-offs | 483.3333% | 669 |
| Earnings coverage of net charge-offs (x) | 20.6667% | 1,182 |
| Efficiency ratio | 87.1389% | 1,367 |
| Assets per employee ($millions) | 9.0548% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3564% | 7,151 |
| Loan loss allowance to noncurrent loans | 11.8888% | 6,732 |
| Noncurrent assets plus other real estate owned to assets | 2.1527% | 2,726 |
| Noncurrent loans to loans | 2.9976% | 2,154 |
| Net loans and leases to total assets | 58.9077% | 3,877 |
| Net loans and leases to deposits | 72.1756% | 3,410 |
| Net loans and leases to core deposits | 76.5010% | 3,557 |
| Total domestic deposits to total assets | 81.6172% | 5,421 |
| Equity capital to assets | 6.2134% | 7,048 |
| Core capital (leverage) ratio | 6.0965% | 7,027 |
| Tier 1 risk-based capital ratio | 8.9532% | 7,038 |
| Total risk-based capital ratio | 9.2687% | 7,092 |
| Memoranda: | ||
| Average total assets | $116,829,000 | 4,522 |
| Average earning assets | $105,534,000 | 4,556 |
| Average equity | $6,657,500 | 5,981 |
| Average total loans | $74,451,000 | 4,296 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6750% | 4,352 |
| Cost of funding earning assets | 1.3921% | 1,075 |
| Net interest margin | 3.2828% | 5,866 |
| Noninterest income to average assets | -0.1452% | 7,129 |
| Noninterest expense to average assets | 2.7611% | 4,504 |
| Loan and lease loss provision to assets | 3.4334% | 86 |
| Net operating income to assets | -4.1882% | 7,263 |
| Return on assets (ROA) | -4.3391% | 7,277 |
| Pretax return on assets | -3.5411% | 7,237 |
| Return on Equity (ROE) | -57.5541% | 7,236 |
| Retained earnings to average equity (ytd only) | -57.5541% | 7,236 |
| Net charge-offs to loans | 6.5892% | 39 |
| Credit loss provision to net charge-offs | 82.1715% | 4,359 |
| Earnings coverage of net charge-offs (x) | 0.0103% | 5,814 |
| Efficiency ratio | 96.7704% | 782 |
| Assets per employee ($millions) | 8.9188% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2837% | 7,229 |
| Loan loss allowance to noncurrent loans | 5.9587% | 6,842 |
| Noncurrent assets plus other real estate owned to assets | 4.3943% | 1,257 |
| Noncurrent loans to loans | 4.7609% | 1,224 |
| Net loans and leases to total assets | 68.2108% | 2,351 |
| Net loans and leases to deposits | 82.4115% | 2,141 |
| Net loans and leases to core deposits | 87.3339% | 2,458 |
| Total domestic deposits to total assets | 82.7686% | 4,855 |
| Equity capital to assets | 5.1757% | 7,158 |
| Core capital (leverage) ratio | 4.5909% | 7,175 |
| Tier 1 risk-based capital ratio | 6.9940% | 7,158 |
| Total risk-based capital ratio | 7.2734% | 7,202 |
| Memoranda: | ||
| Average total assets | $122,559,600 | 4,331 |
| Average earning assets | $110,117,800 | 4,391 |
| Average equity | $9,240,000 | 5,219 |
| Average total loans | $77,717,800 | 4,219 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6083% | 4,838 |
| Cost of funding earning assets | 1.4068% | 1,207 |
| Net interest margin | 3.2015% | 6,158 |
| Noninterest income to average assets | -0.1921% | 7,264 |
| Noninterest expense to average assets | 2.7855% | 4,397 |
| Loan and lease loss provision to assets | 0.8931% | 1,011 |
| Net operating income to assets | -0.1434% | 6,325 |
| Return on assets (ROA) | -0.0032% | 6,262 |
| Pretax return on assets | -0.7814% | 6,776 |
| Return on Equity (ROE) | -0.0398% | 6,266 |
| Retained earnings to average equity (ytd only) | -0.0398% | 5,967 |
| Net charge-offs to loans | 0.9364% | 1,718 |
| Credit loss provision to net charge-offs | 153.2228% | 2,029 |
| Earnings coverage of net charge-offs (x) | -0.1842% | 5,712 |
| Efficiency ratio | 102.2846% | 599 |
| Assets per employee ($millions) | 8.7355% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7865% | 2,992 |
| Loan loss allowance to noncurrent loans | 36.9306% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 4.3918% | 1,372 |
| Noncurrent loans to loans | 4.8374% | 1,322 |
| Net loans and leases to total assets | 64.1471% | 3,282 |
| Net loans and leases to deposits | 80.0012% | 2,654 |
| Net loans and leases to core deposits | 86.1633% | 2,752 |
| Total domestic deposits to total assets | 80.1827% | 5,679 |
| Equity capital to assets | 8.3632% | 6,427 |
| Core capital (leverage) ratio | 8.0118% | 6,385 |
| Tier 1 risk-based capital ratio | 10.9615% | 6,565 |
| Total risk-based capital ratio | 12.2151% | 6,538 |
| Memoranda: | ||
| Average total assets | $124,213,250 | 4,312 |
| Average earning assets | $111,360,750 | 4,377 |
| Average equity | $10,049,750 | 5,026 |
| Average total loans | $77,319,250 | 4,269 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5949% | 4,981 |
| Cost of funding earning assets | 1.4128% | 1,362 |
| Net interest margin | 3.1820% | 6,216 |
| Noninterest income to average assets | -0.2275% | 7,348 |
| Noninterest expense to average assets | 2.8033% | 4,414 |
| Loan and lease loss provision to assets | 1.0412% | 816 |
| Net operating income to assets | -0.0501% | 6,299 |
| Return on assets (ROA) | 0.0801% | 6,138 |
| Pretax return on assets | -1.0220% | 6,901 |
| Return on Equity (ROE) | 1.0010% | 6,088 |
| Retained earnings to average equity (ytd only) | 1.0010% | 5,466 |
| Net charge-offs to loans | 1.2528% | 1,244 |
| Credit loss provision to net charge-offs | 135.6994% | 2,245 |
| Earnings coverage of net charge-offs (x) | -0.2401% | 5,426 |
| Efficiency ratio | 105.2599% | 579 |
| Assets per employee ($millions) | 8.1772% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6247% | 3,604 |
| Loan loss allowance to noncurrent loans | 75.3598% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 2.7067% | 2,472 |
| Noncurrent loans to loans | 2.1559% | 3,278 |
| Net loans and leases to total assets | 64.6187% | 3,339 |
| Net loans and leases to deposits | 80.6414% | 2,677 |
| Net loans and leases to core deposits | 86.8175% | 2,781 |
| Total domestic deposits to total assets | 80.1309% | 5,790 |
| Equity capital to assets | 8.3500% | 6,363 |
| Core capital (leverage) ratio | 8.1474% | 6,103 |
| Tier 1 risk-based capital ratio | 11.0113% | 6,523 |
| Total risk-based capital ratio | 12.2633% | 6,507 |
| Memoranda: | ||
| Average total assets | $124,852,000 | 4,326 |
| Average earning assets | $111,690,000 | 4,395 |
| Average equity | $9,990,330 | 5,049 |
| Average total loans | $76,466,670 | 4,331 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3495% | 5,856 |
| Cost of funding earning assets | 1.4427% | 1,425 |
| Net interest margin | 2.9068% | 6,749 |
| Noninterest income to average assets | -0.5463% | 7,503 |
| Noninterest expense to average assets | 2.8424% | 4,294 |
| Loan and lease loss provision to assets | 1.5879% | 388 |
| Net operating income to assets | -0.3260% | 6,680 |
| Return on assets (ROA) | -0.2223% | 6,599 |
| Pretax return on assets | -2.2231% | 7,292 |
| Return on Equity (ROE) | -2.8385% | 6,649 |
| Retained earnings to average equity (ytd only) | -2.8385% | 6,268 |
| Net charge-offs to loans | 2.5371% | 444 |
| Credit loss provision to net charge-offs | 105.9322% | 2,514 |
| Earnings coverage of net charge-offs (x) | -0.5318% | 4,802 |
| Efficiency ratio | 136.8012% | 222 |
| Assets per employee ($millions) | 8.8112% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 3,976 |
| Loan loss allowance to noncurrent loans | 102.1016% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 2.1053% | 3,184 |
| Noncurrent loans to loans | 1.5162% | 4,201 |
| Net loans and leases to total assets | 60.1125% | 4,237 |
| Net loans and leases to deposits | 74.3948% | 3,702 |
| Net loans and leases to core deposits | 80.3983% | 3,686 |
| Total domestic deposits to total assets | 80.8021% | 5,719 |
| Equity capital to assets | 7.9533% | 6,539 |
| Core capital (leverage) ratio | 7.8765% | 6,389 |
| Tier 1 risk-based capital ratio | 11.2451% | 6,311 |
| Total risk-based capital ratio | 12.4967% | 6,284 |
| Memoranda: | ||
| Average total assets | $125,949,000 | 4,333 |
| Average earning assets | $112,289,000 | 4,400 |
| Average equity | $9,864,500 | 5,075 |
| Average total loans | $74,415,500 | 4,445 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6298% | 6,023 |
| Cost of funding earning assets | 1.8092% | 1,130 |
| Net interest margin | 2.8206% | 7,004 |
| Noninterest income to average assets | 0.0974% | 6,908 |
| Noninterest expense to average assets | 4.6456% | 575 |
| Loan and lease loss provision to assets | 0.9486% | 1,717 |
| Net operating income to assets | -2.0478% | 7,071 |
| Return on assets (ROA) | -2.8711% | 7,287 |
| Pretax return on assets | -4.1771% | 7,461 |
| Return on Equity (ROE) | -29.5277% | 7,220 |
| Retained earnings to average equity (ytd only) | -29.5277% | 7,208 |
| Net charge-offs to loans | 1.9735% | 1,032 |
| Credit loss provision to net charge-offs | 79.7550% | 5,567 |
| Earnings coverage of net charge-offs (x) | -1.7112% | 6,692 |
| Efficiency ratio | 106.6392% | 610 |
| Assets per employee ($millions) | 8.0338% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5480% | 3,782 |
| Loan loss allowance to noncurrent loans | 33.5792% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 5.1167% | 1,244 |
| Noncurrent loans to loans | 4.6101% | 1,524 |
| Net loans and leases to total assets | 56.3042% | 5,295 |
| Net loans and leases to deposits | 69.0322% | 4,957 |
| Net loans and leases to core deposits | 74.3075% | 4,939 |
| Total domestic deposits to total assets | 81.5623% | 5,336 |
| Equity capital to assets | 7.7158% | 6,738 |
| Core capital (leverage) ratio | 7.5960% | 6,622 |
| Tier 1 risk-based capital ratio | 10.9306% | 6,383 |
| Total risk-based capital ratio | 12.1812% | 6,354 |
| Memoranda: | ||
| Average total assets | $130,402,400 | 4,255 |
| Average earning assets | $116,182,800 | 4,314 |
| Average equity | $12,679,600 | 4,434 |
| Average total loans | $78,592,200 | 4,375 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6374% | 6,232 |
| Cost of funding earning assets | 1.8775% | 1,099 |
| Net interest margin | 2.7599% | 7,168 |
| Noninterest income to average assets | 0.0754% | 7,161 |
| Noninterest expense to average assets | 2.6754% | 4,982 |
| Loan and lease loss provision to assets | 0.4452% | 3,245 |
| Net operating income to assets | -0.3317% | 6,459 |
| Return on assets (ROA) | -0.2965% | 6,472 |
| Pretax return on assets | -0.5237% | 6,572 |
| Return on Equity (ROE) | -2.9019% | 6,481 |
| Retained earnings to average equity (ytd only) | -2.9019% | 6,335 |
| Net charge-offs to loans | 0.3222% | 4,051 |
| Credit loss provision to net charge-offs | 226.4249% | 1,521 |
| Earnings coverage of net charge-offs (x) | -0.6787% | 6,384 |
| Efficiency ratio | 103.5271% | 646 |
| Assets per employee ($millions) | 7.1647% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1142% | 1,969 |
| Loan loss allowance to noncurrent loans | 42.6452% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 3.4576% | 2,056 |
| Noncurrent loans to loans | 4.9577% | 1,408 |
| Net loans and leases to total assets | 60.8868% | 4,742 |
| Net loans and leases to deposits | 76.9725% | 4,014 |
| Net loans and leases to core deposits | 81.4907% | 4,321 |
| Total domestic deposits to total assets | 79.1019% | 5,998 |
| Equity capital to assets | 10.1323% | 3,974 |
| Core capital (leverage) ratio | 8.5467% | 5,425 |
| Tier 1 risk-based capital ratio | 10.7637% | 6,575 |
| Total risk-based capital ratio | 12.0197% | 6,555 |
| Memoranda: | ||
| Average total assets | $130,867,750 | 4,305 |
| Average earning assets | $116,958,750 | 4,358 |
| Average equity | $13,370,000 | 4,356 |
| Average total loans | $79,862,250 | 4,409 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5806% | 6,516 |
| Cost of funding earning assets | 1.9612% | 1,012 |
| Net interest margin | 2.6194% | 7,332 |
| Noninterest income to average assets | 0.0122% | 7,490 |
| Noninterest expense to average assets | 2.5794% | 5,408 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.1854% | 6,338 |
| Return on assets (ROA) | 0.1688% | 5,790 |
| Pretax return on assets | 0.2068% | 5,757 |
| Return on Equity (ROE) | 1.6480% | 5,747 |
| Retained earnings to average equity (ytd only) | 1.6480% | 5,046 |
| Net charge-offs to loans | 0.1329% | 4,881 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -2.7925% | 6,249 |
| Efficiency ratio | 107.6873% | 596 |
| Assets per employee ($millions) | 6.7124% | 876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7589% | 2,856 |
| Loan loss allowance to noncurrent loans | 22.3554% | 6,821 |
| Noncurrent assets plus other real estate owned to assets | 5.2848% | 1,191 |
| Noncurrent loans to loans | 7.8677% | 664 |
| Net loans and leases to total assets | 61.2702% | 4,829 |
| Net loans and leases to deposits | 79.4374% | 3,705 |
| Net loans and leases to core deposits | 87.5608% | 3,610 |
| Total domestic deposits to total assets | 77.1302% | 6,473 |
| Equity capital to assets | 10.4364% | 3,488 |
| Core capital (leverage) ratio | 8.7646% | 4,981 |
| Tier 1 risk-based capital ratio | 11.1684% | 6,073 |
| Total risk-based capital ratio | 12.4207% | 6,062 |
| Memoranda: | ||
| Average total assets | $131,502,330 | 4,311 |
| Average earning assets | $117,584,000 | 4,380 |
| Average equity | $13,471,000 | 4,334 |
| Average total loans | $79,743,670 | 4,447 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5103% | 6,773 |
| Cost of funding earning assets | 2.0507% | 940 |
| Net interest margin | 2.4595% | 7,502 |
| Noninterest income to average assets | -0.0210% | 7,703 |
| Noninterest expense to average assets | 2.5381% | 5,583 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.1715% | 6,509 |
| Return on assets (ROA) | 0.0030% | 6,389 |
| Pretax return on assets | -0.0869% | 6,450 |
| Return on Equity (ROE) | 0.0295% | 6,396 |
| Retained earnings to average equity (ytd only) | 0.0295% | 5,809 |
| Net charge-offs to loans | 0.0150% | 5,373 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -40.0000% | 5,593 |
| Efficiency ratio | 114.5805% | 520 |
| Assets per employee ($millions) | 7.7042% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8159% | 2,686 |
| Loan loss allowance to noncurrent loans | 25.5917% | 6,701 |
| Noncurrent assets plus other real estate owned to assets | 4.8339% | 1,354 |
| Noncurrent loans to loans | 7.0957% | 833 |
| Net loans and leases to total assets | 59.8189% | 5,145 |
| Net loans and leases to deposits | 75.6608% | 4,466 |
| Net loans and leases to core deposits | 84.2566% | 4,166 |
| Total domestic deposits to total assets | 79.0619% | 6,063 |
| Equity capital to assets | 10.3541% | 3,406 |
| Core capital (leverage) ratio | 8.3201% | 5,706 |
| Tier 1 risk-based capital ratio | 11.0454% | 6,115 |
| Total risk-based capital ratio | 12.2981% | 6,083 |
| Memoranda: | ||
| Average total assets | $133,486,000 | 4,335 |
| Average earning assets | $119,371,500 | 4,391 |
| Average equity | $13,551,500 | 4,344 |
| Average total loans | $79,845,500 | 4,512 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4902% | 4,195 |
| Cost of funding earning assets | 2.9207% | 288 |
| Net interest margin | 2.5695% | 7,356 |
| Noninterest income to average assets | -0.1555% | 7,836 |
| Noninterest expense to average assets | 2.7255% | 5,271 |
| Loan and lease loss provision to assets | 1.1493% | 1,986 |
| Net operating income to assets | -0.9615% | 6,550 |
| Return on assets (ROA) | -1.2817% | 6,758 |
| Pretax return on assets | -2.2021% | 7,021 |
| Return on Equity (ROE) | -13.1828% | 6,839 |
| Retained earnings to average equity (ytd only) | -13.1828% | 6,767 |
| Net charge-offs to loans | 1.3868% | 1,807 |
| Credit loss provision to net charge-offs | 127.8146% | 4,046 |
| Earnings coverage of net charge-offs (x) | -0.6144% | 6,763 |
| Efficiency ratio | 123.6602% | 550 |
| Assets per employee ($millions) | 7.1579% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8174% | 2,492 |
| Loan loss allowance to noncurrent loans | 62.5054% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 2.4669% | 2,824 |
| Noncurrent loans to loans | 2.9075% | 2,651 |
| Net loans and leases to total assets | 57.6794% | 5,712 |
| Net loans and leases to deposits | 72.3013% | 5,284 |
| Net loans and leases to core deposits | 105.4695% | 3,401 |
| Total domestic deposits to total assets | 79.7765% | 5,741 |
| Equity capital to assets | 9.9574% | 3,819 |
| Core capital (leverage) ratio | 7.9218% | 6,300 |
| Tier 1 risk-based capital ratio | 10.8102% | 6,105 |
| Total risk-based capital ratio | 12.0627% | 6,073 |
| Memoranda: | ||
| Average total assets | $151,130,600 | 3,940 |
| Average earning assets | $136,953,800 | 3,958 |
| Average equity | $14,693,400 | 4,115 |
| Average total loans | $97,997,600 | 4,006 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5874% | 3,939 |
| Cost of funding earning assets | 3.0962% | 245 |
| Net interest margin | 2.4912% | 7,475 |
| Noninterest income to average assets | -0.1825% | 7,972 |
| Noninterest expense to average assets | 2.6629% | 5,478 |
| Loan and lease loss provision to assets | 0.3098% | 4,492 |
| Net operating income to assets | -0.4690% | 6,396 |
| Return on assets (ROA) | -0.7901% | 6,686 |
| Pretax return on assets | -1.3926% | 6,912 |
| Return on Equity (ROE) | -8.1700% | 6,749 |
| Retained earnings to average equity (ytd only) | -8.1700% | 6,623 |
| Net charge-offs to loans | 0.3264% | 4,004 |
| Credit loss provision to net charge-offs | 143.4263% | 3,414 |
| Earnings coverage of net charge-offs (x) | -2.6892% | 6,787 |
| Efficiency ratio | 126.1265% | 517 |
| Assets per employee ($millions) | 7.2678% | 705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 4,689 |
| Loan loss allowance to noncurrent loans | 33.5889% | 6,189 |
| Noncurrent assets plus other real estate owned to assets | 3.2783% | 2,064 |
| Noncurrent loans to loans | 3.7809% | 1,969 |
| Net loans and leases to total assets | 66.6017% | 4,281 |
| Net loans and leases to deposits | 83.9026% | 3,665 |
| Net loans and leases to core deposits | 105.5150% | 3,753 |
| Total domestic deposits to total assets | 79.3798% | 5,668 |
| Equity capital to assets | 10.4455% | 3,575 |
| Core capital (leverage) ratio | 8.2450% | 5,927 |
| Tier 1 risk-based capital ratio | 9.9073% | 7,054 |
| Total risk-based capital ratio | 10.9100% | 7,231 |
| Memoranda: | ||
| Average total assets | $154,913,250 | 3,895 |
| Average earning assets | $140,812,750 | 3,912 |
| Average equity | $14,981,250 | 4,098 |
| Average total loans | $102,523,000 | 3,924 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6120% | 4,014 |
| Cost of funding earning assets | 3.2427% | 241 |
| Net interest margin | 2.3693% | 7,604 |
| Noninterest income to average assets | -0.2168% | 8,071 |
| Noninterest expense to average assets | 2.3586% | 6,597 |
| Loan and lease loss provision to assets | 0.4485% | 3,292 |
| Net operating income to assets | -0.3461% | 6,390 |
| Return on assets (ROA) | -0.8684% | 6,886 |
| Pretax return on assets | -1.6770% | 7,163 |
| Return on Equity (ROE) | -9.1910% | 6,976 |
| Retained earnings to average equity (ytd only) | -9.1910% | 6,787 |
| Net charge-offs to loans | 0.3105% | 3,638 |
| Credit loss provision to net charge-offs | 219.5122% | 2,096 |
| Earnings coverage of net charge-offs (x) | -2.0183% | 6,354 |
| Efficiency ratio | 119.3342% | 676 |
| Assets per employee ($millions) | 7.4639% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 4,781 |
| Loan loss allowance to noncurrent loans | 75.9569% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.9219% | 3,314 |
| Noncurrent loans to loans | 1.6131% | 4,076 |
| Net loans and leases to total assets | 68.5839% | 4,049 |
| Net loans and leases to deposits | 84.8359% | 3,748 |
| Net loans and leases to core deposits | 103.4162% | 4,133 |
| Total domestic deposits to total assets | 80.8430% | 5,129 |
| Equity capital to assets | 9.7691% | 4,258 |
| Core capital (leverage) ratio | 7.7307% | 6,704 |
| Tier 1 risk-based capital ratio | 10.1335% | 6,795 |
| Total risk-based capital ratio | 11.2155% | 6,896 |
| Memoranda: | ||
| Average total assets | $160,521,670 | 3,819 |
| Average earning assets | $146,544,000 | 3,805 |
| Average equity | $15,167,000 | 4,087 |
| Average total loans | $105,646,670 | 3,866 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5615% | 4,572 |
| Cost of funding earning assets | 3.2845% | 278 |
| Net interest margin | 2.2771% | 7,736 |
| Noninterest income to average assets | -0.4550% | 8,193 |
| Noninterest expense to average assets | 2.2824% | 6,597 |
| Loan and lease loss provision to assets | 0.8667% | 1,513 |
| Net operating income to assets | -0.9090% | 7,199 |
| Return on assets (ROA) | -0.0554% | 6,464 |
| Pretax return on assets | -0.1806% | 6,553 |
| Return on Equity (ROE) | -0.5951% | 6,479 |
| Retained earnings to average equity (ytd only) | -0.5951% | 5,787 |
| Net charge-offs to loans | 0.4201% | 2,428 |
| Credit loss provision to net charge-offs | 321.4286% | 1,532 |
| Earnings coverage of net charge-offs (x) | -2.4018% | 5,491 |
| Efficiency ratio | 137.5552% | 431 |
| Assets per employee ($millions) | 6.6703% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 4,528 |
| Loan loss allowance to noncurrent loans | 76.7712% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.9546% | 2,972 |
| Noncurrent loans to loans | 1.6140% | 3,854 |
| Net loans and leases to total assets | 65.8196% | 4,624 |
| Net loans and leases to deposits | 80.5979% | 4,525 |
| Net loans and leases to core deposits | 96.4555% | 4,917 |
| Total domestic deposits to total assets | 81.6642% | 4,694 |
| Equity capital to assets | 9.5905% | 4,543 |
| Core capital (leverage) ratio | 7.6389% | 6,974 |
| Tier 1 risk-based capital ratio | 8.8174% | 7,874 |
| Total risk-based capital ratio | 9.7460% | 7,982 |
| Memoranda: | ||
| Average total assets | $166,144,000 | 3,723 |
| Average earning assets | $152,476,000 | 3,704 |
| Average equity | $15,459,000 | 4,047 |
| Average total loans | $106,645,000 | 3,869 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4035% | 3,403 |
| Cost of funding earning assets | 3.8143% | 192 |
| Net interest margin | 2.5892% | 7,650 |
| Noninterest income to average assets | 0.3230% | 6,139 |
| Noninterest expense to average assets | 2.6166% | 5,585 |
| Loan and lease loss provision to assets | 0.3362% | 3,701 |
| Net operating income to assets | -0.1043% | 6,501 |
| Return on assets (ROA) | 0.0108% | 6,194 |
| Pretax return on assets | -0.0713% | 6,235 |
| Return on Equity (ROE) | 0.1174% | 6,188 |
| Retained earnings to average equity (ytd only) | 0.1174% | 5,162 |
| Net charge-offs to loans | 0.5524% | 2,172 |
| Credit loss provision to net charge-offs | 92.5743% | 5,614 |
| Earnings coverage of net charge-offs (x) | 0.2343% | 6,093 |
| Efficiency ratio | 95.5634% | 1,183 |
| Assets per employee ($millions) | 8.6101% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 5,965 |
| Loan loss allowance to noncurrent loans | 49.4475% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 1.9878% | 2,480 |
| Noncurrent loans to loans | 2.0375% | 2,716 |
| Net loans and leases to total assets | 61.2804% | 5,730 |
| Net loans and leases to deposits | 74.0960% | 5,833 |
| Net loans and leases to core deposits | 93.2785% | 5,521 |
| Total domestic deposits to total assets | 82.7040% | 3,892 |
| Equity capital to assets | 9.0388% | 5,325 |
| Core capital (leverage) ratio | 7.2374% | 7,488 |
| Tier 1 risk-based capital ratio | 8.4779% | 7,995 |
| Total risk-based capital ratio | 9.2027% | 8,121 |
| Memoranda: | ||
| Average total assets | $166,856,600 | 3,599 |
| Average earning assets | $153,291,000 | 3,593 |
| Average equity | $15,326,000 | 4,067 |
| Average total loans | $109,708,400 | 3,683 |