Home > Valley Bank of Helena > Performance and Condition Ratios
Valley Bank of Helena, Performance and Condition Ratios
| 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 | 3.8361% | 6,170 |
| Cost of funding earning assets | 0.5031% | 5,793 |
| Net interest margin | 3.3330% | 5,356 |
| Noninterest income to average assets | 1.1144% | 1,138 |
| Noninterest expense to average assets | 2.1209% | 6,228 |
| Loan and lease loss provision to assets | 0.0647% | 4,615 |
| Net operating income to assets | 1.4899% | 1,040 |
| Return on assets (ROA) | 1.4899% | 1,162 |
| Pretax return on assets | 2.0570% | 677 |
| Return on Equity (ROE) | 19.1831% | 437 |
| Retained earnings to average equity (ytd only) | 19.1831% | 211 |
| Net charge-offs to loans | -0.0124% | 6,010 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9898% | 6,676 |
| Assets per employee ($millions) | 5.1637% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2298% | 1,826 |
| Loan loss allowance to noncurrent loans | 287.6171% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 5,620 |
| Noncurrent loans to loans | 0.7753% | 5,114 |
| Net loans and leases to total assets | 40.5421% | 6,304 |
| Net loans and leases to deposits | 60.6983% | 5,071 |
| Net loans and leases to core deposits | 69.5064% | 4,498 |
| Total domestic deposits to total assets | 66.7928% | 7,088 |
| Equity capital to assets | 8.0046% | 6,521 |
| Core capital (leverage) ratio | 7.1325% | 6,788 |
| Tier 1 risk-based capital ratio | 13.0593% | 5,168 |
| Total risk-based capital ratio | 14.3152% | 5,128 |
| Memoranda: | ||
| Average total assets | $463,399,000 | 1,442 |
| Average earning assets | $434,919,500 | 1,409 |
| Average equity | $35,990,000 | 1,929 |
| Average total loans | $194,052,500 | 2,091 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3027% | 5,756 |
| Cost of funding earning assets | 0.6043% | 6,070 |
| Net interest margin | 3.6984% | 4,301 |
| Noninterest income to average assets | 1.1531% | 986 |
| Noninterest expense to average assets | 2.2648% | 6,138 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.6853% | 567 |
| Return on assets (ROA) | 1.6853% | 602 |
| Pretax return on assets | 2.3461% | 274 |
| Return on Equity (ROE) | 21.1441% | 215 |
| Retained earnings to average equity (ytd only) | 3.2355% | 3,915 |
| Net charge-offs to loans | 0.2312% | 4,337 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 22.6713% | 1,053 |
| Efficiency ratio | 49.0713% | 6,891 |
| Assets per employee ($millions) | 5.1917% | 1,953 |
| Cash dividends to net income (ytd only)* | 84.6979% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1577% | 1,882 |
| Loan loss allowance to noncurrent loans | 578.3265% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 6,120 |
| Noncurrent loans to loans | 0.3731% | 5,972 |
| Net loans and leases to total assets | 41.3750% | 6,435 |
| Net loans and leases to deposits | 62.8017% | 5,143 |
| Net loans and leases to core deposits | 72.2472% | 4,486 |
| Total domestic deposits to total assets | 65.8820% | 7,133 |
| Equity capital to assets | 7.5271% | 6,799 |
| Core capital (leverage) ratio | 6.9383% | 6,883 |
| Tier 1 risk-based capital ratio | 12.7581% | 5,268 |
| Total risk-based capital ratio | 14.0143% | 5,242 |
| Memoranda: | ||
| Average total assets | $420,350,800 | 1,548 |
| Average earning assets | $393,006,000 | 1,520 |
| Average equity | $33,503,400 | 1,987 |
| Average total loans | $188,184,400 | 2,148 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4209% | 5,538 |
| Cost of funding earning assets | 0.6196% | 6,188 |
| Net interest margin | 3.8013% | 3,879 |
| Noninterest income to average assets | 1.1173% | 1,067 |
| Noninterest expense to average assets | 2.3009% | 6,033 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7056% | 620 |
| Return on assets (ROA) | 1.7056% | 676 |
| Pretax return on assets | 2.3682% | 316 |
| Return on Equity (ROE) | 21.0697% | 257 |
| Retained earnings to average equity (ytd only) | 2.9893% | 4,561 |
| Net charge-offs to loans | 0.3033% | 3,572 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 17.1722% | 1,359 |
| Efficiency ratio | 49.2233% | 6,868 |
| Assets per employee ($millions) | 4.8500% | 2,396 |
| Cash dividends to net income (ytd only)* | 85.8123% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1955% | 1,867 |
| Loan loss allowance to noncurrent loans | 774.1758% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 6,282 |
| Noncurrent loans to loans | 0.2836% | 6,288 |
| Net loans and leases to total assets | 43.1394% | 6,417 |
| Net loans and leases to deposits | 63.9335% | 5,180 |
| Net loans and leases to core deposits | 73.4962% | 4,528 |
| Total domestic deposits to total assets | 67.4754% | 7,160 |
| Equity capital to assets | 8.0140% | 6,690 |
| Core capital (leverage) ratio | 7.2795% | 6,867 |
| Tier 1 risk-based capital ratio | 13.1321% | 4,999 |
| Total risk-based capital ratio | 14.3890% | 4,973 |
| Memoranda: | ||
| Average total assets | $409,922,500 | 1,593 |
| Average earning assets | $383,020,250 | 1,557 |
| Average equity | $33,184,250 | 2,005 |
| Average total loans | $186,381,750 | 2,185 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4585% | 5,495 |
| Cost of funding earning assets | 0.6246% | 6,339 |
| Net interest margin | 3.8340% | 3,628 |
| Noninterest income to average assets | 1.0961% | 1,078 |
| Noninterest expense to average assets | 2.3508% | 5,994 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6566% | 656 |
| Return on assets (ROA) | 1.6566% | 699 |
| Pretax return on assets | 2.3208% | 335 |
| Return on Equity (ROE) | 20.3895% | 291 |
| Retained earnings to average equity (ytd only) | 1.9763% | 4,990 |
| Net charge-offs to loans | 0.1714% | 4,152 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 29.4557% | 934 |
| Efficiency ratio | 50.2348% | 6,921 |
| Assets per employee ($millions) | 4.5607% | 2,743 |
| Cash dividends to net income (ytd only)* | 90.3070% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3955% | 1,600 |
| Loan loss allowance to noncurrent loans | 395.2507% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.3725% | 6,198 |
| Noncurrent loans to loans | 0.6061% | 5,706 |
| Net loans and leases to total assets | 44.6095% | 6,382 |
| Net loans and leases to deposits | 61.2879% | 5,577 |
| Net loans and leases to core deposits | 73.3885% | 4,652 |
| Total domestic deposits to total assets | 72.7868% | 6,946 |
| Equity capital to assets | 8.2497% | 6,470 |
| Core capital (leverage) ratio | 7.4776% | 6,756 |
| Tier 1 risk-based capital ratio | 13.3317% | 4,663 |
| Total risk-based capital ratio | 14.5907% | 4,636 |
| Memoranda: | ||
| Average total assets | $401,063,000 | 1,637 |
| Average earning assets | $374,026,670 | 1,611 |
| Average equity | $32,585,330 | 2,022 |
| Average total loans | $184,332,000 | 2,229 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2957% | 6,028 |
| Cost of funding earning assets | 0.6143% | 6,548 |
| Net interest margin | 3.6814% | 4,197 |
| Noninterest income to average assets | 1.0687% | 1,147 |
| Noninterest expense to average assets | 2.3483% | 6,058 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5491% | 778 |
| Return on assets (ROA) | 1.5491% | 816 |
| Pretax return on assets | 2.1495% | 432 |
| Return on Equity (ROE) | 19.2193% | 382 |
| Retained earnings to average equity (ytd only) | 0.4382% | 5,645 |
| Net charge-offs to loans | 0.1379% | 3,686 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 33.8095% | 768 |
| Efficiency ratio | 52.0530% | 6,850 |
| Assets per employee ($millions) | 4.5281% | 2,841 |
| Cash dividends to net income (ytd only)* | 97.7199% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5154% | 1,439 |
| Loan loss allowance to noncurrent loans | 324.4696% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 6,237 |
| Noncurrent loans to loans | 0.7752% | 5,483 |
| Net loans and leases to total assets | 44.6214% | 6,415 |
| Net loans and leases to deposits | 66.1308% | 4,953 |
| Net loans and leases to core deposits | 72.9081% | 4,658 |
| Total domestic deposits to total assets | 67.4744% | 7,280 |
| Equity capital to assets | 8.0582% | 6,442 |
| Core capital (leverage) ratio | 7.8954% | 6,371 |
| Tier 1 risk-based capital ratio | 13.4085% | 4,496 |
| Total risk-based capital ratio | 14.6685% | 4,467 |
| Memoranda: | ||
| Average total assets | $396,363,500 | 1,671 |
| Average earning assets | $369,207,500 | 1,635 |
| Average equity | $31,947,000 | 2,053 |
| Average total loans | $182,698,500 | 2,280 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9879% | 4,619 |
| Cost of funding earning assets | 0.7668% | 6,686 |
| Net interest margin | 4.2211% | 2,096 |
| Noninterest income to average assets | 1.5735% | 591 |
| Noninterest expense to average assets | 2.6076% | 5,384 |
| Loan and lease loss provision to assets | 0.1411% | 5,772 |
| Net operating income to assets | 1.9111% | 330 |
| Return on assets (ROA) | 2.1043% | 244 |
| Pretax return on assets | 3.0274% | 116 |
| Return on Equity (ROE) | 23.8048% | 121 |
| Retained earnings to average equity (ytd only) | 4.6537% | 2,637 |
| Net charge-offs to loans | 0.1142% | 5,741 |
| Credit loss provision to net charge-offs | 231.4815% | 1,275 |
| Earnings coverage of net charge-offs (x) | 47.4630% | 485 |
| Efficiency ratio | 47.1940% | 7,303 |
| Assets per employee ($millions) | 4.6382% | 2,643 |
| Cash dividends to net income (ytd only)* | 80.4505% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5415% | 1,364 |
| Loan loss allowance to noncurrent loans | 443.7977% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 6,497 |
| Noncurrent loans to loans | 0.5727% | 5,908 |
| Net loans and leases to total assets | 45.2383% | 6,618 |
| Net loans and leases to deposits | 64.4876% | 5,575 |
| Net loans and leases to core deposits | 75.7745% | 4,753 |
| Total domestic deposits to total assets | 70.1504% | 7,229 |
| Equity capital to assets | 8.0619% | 6,429 |
| Core capital (leverage) ratio | 8.0458% | 6,124 |
| Tier 1 risk-based capital ratio | 13.8236% | 3,980 |
| Total risk-based capital ratio | 15.0846% | 3,955 |
| Memoranda: | ||
| Average total assets | $354,424,200 | 1,843 |
| Average earning assets | $329,698,400 | 1,810 |
| Average equity | $31,329,800 | 2,095 |
| Average total loans | $189,146,000 | 2,255 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2020% | 3,819 |
| Cost of funding earning assets | 0.8040% | 6,749 |
| Net interest margin | 4.3981% | 1,530 |
| Noninterest income to average assets | 1.4662% | 631 |
| Noninterest expense to average assets | 2.6092% | 5,285 |
| Loan and lease loss provision to assets | 0.1935% | 5,102 |
| Net operating income to assets | 1.9264% | 384 |
| Return on assets (ROA) | 2.0681% | 320 |
| Pretax return on assets | 2.9525% | 128 |
| Return on Equity (ROE) | 22.8209% | 166 |
| Retained earnings to average equity (ytd only) | 3.6006% | 3,914 |
| Net charge-offs to loans | 0.0811% | 5,710 |
| Credit loss provision to net charge-offs | 431.0345% | 704 |
| Earnings coverage of net charge-offs (x) | 65.5616% | 456 |
| Efficiency ratio | 46.7656% | 7,350 |
| Assets per employee ($millions) | 4.0553% | 3,726 |
| Cash dividends to net income (ytd only)* | 84.2224% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4406% | 1,413 |
| Loan loss allowance to noncurrent loans | 473.3068% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 6,595 |
| Noncurrent loans to loans | 0.5157% | 6,167 |
| Net loans and leases to total assets | 55.7624% | 5,576 |
| Net loans and leases to deposits | 74.6932% | 4,400 |
| Net loans and leases to core deposits | 81.1252% | 4,368 |
| Total domestic deposits to total assets | 74.6553% | 6,833 |
| Equity capital to assets | 9.4611% | 4,906 |
| Core capital (leverage) ratio | 8.6728% | 5,236 |
| Tier 1 risk-based capital ratio | 13.6513% | 4,079 |
| Total risk-based capital ratio | 14.9129% | 4,027 |
| Memoranda: | ||
| Average total assets | $344,467,750 | 1,924 |
| Average earning assets | $320,071,250 | 1,883 |
| Average equity | $31,216,250 | 2,116 |
| Average total loans | $190,681,750 | 2,282 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1768% | 4,060 |
| Cost of funding earning assets | 0.8175% | 6,855 |
| Net interest margin | 4.3593% | 1,565 |
| Noninterest income to average assets | 1.3044% | 748 |
| Noninterest expense to average assets | 2.5158% | 5,663 |
| Loan and lease loss provision to assets | 0.2603% | 4,325 |
| Net operating income to assets | 1.8184% | 469 |
| Return on assets (ROA) | 1.9749% | 381 |
| Pretax return on assets | 2.7992% | 155 |
| Return on Equity (ROE) | 22.1124% | 206 |
| Retained earnings to average equity (ytd only) | 2.6815% | 4,436 |
| Net charge-offs to loans | 0.1162% | 5,014 |
| Credit loss provision to net charge-offs | 409.0909% | 887 |
| Earnings coverage of net charge-offs (x) | 44.6182% | 663 |
| Efficiency ratio | 46.7646% | 7,404 |
| Assets per employee ($millions) | 4.2798% | 3,252 |
| Cash dividends to net income (ytd only)* | 87.8735% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4198% | 1,410 |
| Loan loss allowance to noncurrent loans | 366.8745% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 6,384 |
| Noncurrent loans to loans | 0.6596% | 5,932 |
| Net loans and leases to total assets | 51.5713% | 6,257 |
| Net loans and leases to deposits | 61.8079% | 6,249 |
| Net loans and leases to core deposits | 81.9478% | 4,428 |
| Total domestic deposits to total assets | 83.4381% | 4,371 |
| Equity capital to assets | 8.4665% | 6,204 |
| Core capital (leverage) ratio | 8.3521% | 5,663 |
| Tier 1 risk-based capital ratio | 13.0128% | 4,427 |
| Total risk-based capital ratio | 14.2736% | 4,370 |
| Memoranda: | ||
| Average total assets | $345,741,330 | 1,932 |
| Average earning assets | $321,242,330 | 1,886 |
| Average equity | $30,878,670 | 2,137 |
| Average total loans | $189,340,670 | 2,319 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2921% | 3,587 |
| Cost of funding earning assets | 0.8270% | 7,010 |
| Net interest margin | 4.4650% | 1,220 |
| Noninterest income to average assets | 1.2147% | 826 |
| Noninterest expense to average assets | 2.5166% | 5,670 |
| Loan and lease loss provision to assets | 0.3587% | 3,221 |
| Net operating income to assets | 1.7897% | 509 |
| Return on assets (ROA) | 1.7897% | 557 |
| Pretax return on assets | 2.4831% | 260 |
| Return on Equity (ROE) | 19.4814% | 409 |
| Retained earnings to average equity (ytd only) | -0.0390% | 5,835 |
| Net charge-offs to loans | 0.0707% | 4,709 |
| Credit loss provision to net charge-offs | 909.0909% | 505 |
| Earnings coverage of net charge-offs (x) | 72.0303% | 429 |
| Efficiency ratio | 46.7202% | 7,511 |
| Assets per employee ($millions) | 3.7401% | 4,463 |
| Cash dividends to net income (ytd only)* | 100.2004% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4885% | 1,308 |
| Loan loss allowance to noncurrent loans | 350.7949% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 6,199 |
| Noncurrent loans to loans | 0.7094% | 5,915 |
| Net loans and leases to total assets | 57.1182% | 5,585 |
| Net loans and leases to deposits | 84.9822% | 2,773 |
| Net loans and leases to core deposits | 85.8026% | 3,928 |
| Total domestic deposits to total assets | 67.2120% | 7,566 |
| Equity capital to assets | 9.7163% | 4,203 |
| Core capital (leverage) ratio | 8.5403% | 5,306 |
| Tier 1 risk-based capital ratio | 13.7717% | 3,815 |
| Total risk-based capital ratio | 15.0339% | 3,760 |
| Memoranda: | ||
| Average total assets | $334,581,500 | 2,045 |
| Average earning assets | $310,501,500 | 2,009 |
| Average equity | $30,737,000 | 2,168 |
| Average total loans | $186,750,500 | 2,411 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0115% | 1,820 |
| Cost of funding earning assets | 0.9721% | 7,259 |
| Net interest margin | 5.0394% | 410 |
| Noninterest income to average assets | 1.7122% | 490 |
| Noninterest expense to average assets | 2.9723% | 4,256 |
| Loan and lease loss provision to assets | 0.3878% | 4,465 |
| Net operating income to assets | 2.1191% | 175 |
| Return on assets (ROA) | 2.1191% | 187 |
| Pretax return on assets | 3.0047% | 97 |
| Return on Equity (ROE) | 19.9879% | 245 |
| Retained earnings to average equity (ytd only) | -2.8746% | 5,674 |
| Net charge-offs to loans | 0.2123% | 5,295 |
| Credit loss provision to net charge-offs | 290.5569% | 1,150 |
| Earnings coverage of net charge-offs (x) | 25.4165% | 876 |
| Efficiency ratio | 46.4862% | 7,692 |
| Assets per employee ($millions) | 4.1324% | 3,555 |
| Cash dividends to net income (ytd only)* | 114.3816% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3318% | 1,432 |
| Loan loss allowance to noncurrent loans | 638.4503% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 6,922 |
| Noncurrent loans to loans | 0.3652% | 6,547 |
| Net loans and leases to total assets | 52.0751% | 6,413 |
| Net loans and leases to deposits | 86.3072% | 2,856 |
| Net loans and leases to core deposits | 94.7565% | 4,593 |
| Total domestic deposits to total assets | 60.3370% | 7,796 |
| Equity capital to assets | 8.7074% | 5,571 |
| Core capital (leverage) ratio | 8.5721% | 5,148 |
| Tier 1 risk-based capital ratio | 13.1106% | 4,075 |
| Total risk-based capital ratio | 14.3698% | 4,013 |
| Memoranda: | ||
| Average total assets | $309,419,000 | 2,165 |
| Average earning assets | $285,667,200 | 2,156 |
| Average equity | $32,804,800 | 2,038 |
| Average total loans | $194,559,800 | 2,346 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1429% | 1,513 |
| Cost of funding earning assets | 1.0301% | 7,326 |
| Net interest margin | 5.1128% | 357 |
| Noninterest income to average assets | 1.8927% | 415 |
| Noninterest expense to average assets | 3.1326% | 3,526 |
| Loan and lease loss provision to assets | 0.4014% | 3,909 |
| Net operating income to assets | 2.1679% | 195 |
| Return on assets (ROA) | 2.1679% | 217 |
| Pretax return on assets | 3.0692% | 102 |
| Return on Equity (ROE) | 19.4281% | 344 |
| Retained earnings to average equity (ytd only) | 13.4330% | 228 |
| Net charge-offs to loans | 0.2369% | 4,568 |
| Credit loss provision to net charge-offs | 257.8797% | 1,660 |
| Earnings coverage of net charge-offs (x) | 22.2981% | 1,164 |
| Efficiency ratio | 47.2241% | 7,708 |
| Assets per employee ($millions) | 3.7054% | 4,414 |
| Cash dividends to net income (ytd only)* | 30.8579% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1953% | 1,428 |
| Loan loss allowance to noncurrent loans | 417.3737% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.4152% | 6,415 |
| Noncurrent loans to loans | 0.5260% | 6,253 |
| Net loans and leases to total assets | 59.8577% | 5,604 |
| Net loans and leases to deposits | 90.8790% | 2,418 |
| Net loans and leases to core deposits | 100.2068% | 4,350 |
| Total domestic deposits to total assets | 65.8653% | 7,692 |
| Equity capital to assets | 11.8480% | 2,324 |
| Core capital (leverage) ratio | 10.7955% | 2,563 |
| Tier 1 risk-based capital ratio | 15.8450% | 2,686 |
| Total risk-based capital ratio | 17.1040% | 2,617 |
| Memoranda: | ||
| Average total assets | $298,960,250 | 2,232 |
| Average earning assets | $275,432,750 | 2,227 |
| Average equity | $33,359,750 | 2,036 |
| Average total loans | $196,379,000 | 2,354 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2194% | 1,401 |
| Cost of funding earning assets | 1.0686% | 7,435 |
| Net interest margin | 5.1507% | 328 |
| Noninterest income to average assets | 1.9885% | 378 |
| Noninterest expense to average assets | 3.1665% | 3,445 |
| Loan and lease loss provision to assets | 0.4053% | 3,497 |
| Net operating income to assets | 2.2168% | 186 |
| Return on assets (ROA) | 2.2168% | 206 |
| Pretax return on assets | 3.1699% | 91 |
| Return on Equity (ROE) | 20.3008% | 321 |
| Retained earnings to average equity (ytd only) | 14.1153% | 252 |
| Net charge-offs to loans | 0.1326% | 4,838 |
| Credit loss provision to net charge-offs | 454.5455% | 1,021 |
| Earnings coverage of net charge-offs (x) | 40.0985% | 807 |
| Efficiency ratio | 46.7588% | 7,821 |
| Assets per employee ($millions) | 3.4845% | 4,852 |
| Cash dividends to net income (ytd only)* | 30.4692% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0684% | 1,442 |
| Loan loss allowance to noncurrent loans | 365.5827% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.4660% | 6,280 |
| Noncurrent loans to loans | 0.5658% | 6,134 |
| Net loans and leases to total assets | 65.4649% | 4,673 |
| Net loans and leases to deposits | 98.6019% | 1,442 |
| Net loans and leases to core deposits | 108.3268% | 3,572 |
| Total domestic deposits to total assets | 66.3931% | 7,715 |
| Equity capital to assets | 11.4428% | 2,576 |
| Core capital (leverage) ratio | 10.4605% | 2,850 |
| Tier 1 risk-based capital ratio | 15.0630% | 2,997 |
| Total risk-based capital ratio | 16.3211% | 2,924 |
| Memoranda: | ||
| Average total assets | $296,098,330 | 2,279 |
| Average earning assets | $273,242,000 | 2,264 |
| Average equity | $32,333,670 | 2,098 |
| Average total loans | $199,098,000 | 2,365 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2855% | 1,341 |
| Cost of funding earning assets | 1.1011% | 7,519 |
| Net interest margin | 5.1844% | 288 |
| Noninterest income to average assets | 1.7891% | 424 |
| Noninterest expense to average assets | 2.9671% | 3,902 |
| Loan and lease loss provision to assets | 0.4030% | 2,911 |
| Net operating income to assets | 2.2445% | 217 |
| Return on assets (ROA) | 2.2445% | 249 |
| Pretax return on assets | 3.2129% | 104 |
| Return on Equity (ROE) | 21.0493% | 360 |
| Retained earnings to average equity (ytd only) | 14.7509% | 444 |
| Net charge-offs to loans | 0.0837% | 4,328 |
| Credit loss provision to net charge-offs | 714.2857% | 833 |
| Earnings coverage of net charge-offs (x) | 64.0952% | 618 |
| Efficiency ratio | 44.8480% | 7,898 |
| Assets per employee ($millions) | 3.6694% | 4,406 |
| Cash dividends to net income (ytd only)* | 29.9222% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9020% | 1,617 |
| Loan loss allowance to noncurrent loans | 382.6520% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 6,472 |
| Noncurrent loans to loans | 0.4971% | 6,183 |
| Net loans and leases to total assets | 66.6016% | 4,442 |
| Net loans and leases to deposits | 101.8617% | 1,191 |
| Net loans and leases to core deposits | 111.0480% | 3,304 |
| Total domestic deposits to total assets | 65.3843% | 7,767 |
| Equity capital to assets | 10.7749% | 3,211 |
| Core capital (leverage) ratio | 10.1764% | 3,217 |
| Tier 1 risk-based capital ratio | 14.3705% | 3,382 |
| Total risk-based capital ratio | 15.6271% | 3,299 |
| Memoranda: | ||
| Average total assets | $297,798,000 | 2,283 |
| Average earning assets | $275,364,000 | 2,263 |
| Average equity | $31,754,000 | 2,133 |
| Average total loans | $200,816,000 | 2,357 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4733% | 3,101 |
| Cost of funding earning assets | 1.7369% | 7,171 |
| Net interest margin | 4.7364% | 894 |
| Noninterest income to average assets | 1.3655% | 775 |
| Noninterest expense to average assets | 2.8670% | 4,548 |
| Loan and lease loss provision to assets | 0.2709% | 4,226 |
| Net operating income to assets | 1.8457% | 499 |
| Return on assets (ROA) | 1.8457% | 486 |
| Pretax return on assets | 2.5985% | 160 |
| Return on Equity (ROE) | 18.9143% | 457 |
| Retained earnings to average equity (ytd only) | 13.7736% | 130 |
| Net charge-offs to loans | 0.0639% | 5,863 |
| Credit loss provision to net charge-offs | 632.8125% | 675 |
| Earnings coverage of net charge-offs (x) | 67.0313% | 603 |
| Efficiency ratio | 49.7347% | 7,680 |
| Assets per employee ($millions) | 3.5949% | 4,425 |
| Cash dividends to net income (ytd only)* | 27.1788% | 4,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7914% | 1,656 |
| Loan loss allowance to noncurrent loans | 349.6094% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 6,225 |
| Noncurrent loans to loans | 0.5124% | 5,816 |
| Net loans and leases to total assets | 65.7763% | 4,899 |
| Net loans and leases to deposits | 105.7988% | 1,141 |
| Net loans and leases to core deposits | 115.8305% | 3,141 |
| Total domestic deposits to total assets | 62.1711% | 7,881 |
| Equity capital to assets | 10.5514% | 3,438 |
| Core capital (leverage) ratio | 9.1136% | 4,573 |
| Tier 1 risk-based capital ratio | 13.6548% | 3,721 |
| Total risk-based capital ratio | 14.9097% | 3,634 |
| Memoranda: | ||
| Average total assets | $299,018,400 | 2,207 |
| Average earning assets | $275,948,600 | 2,195 |
| Average equity | $29,179,000 | 2,320 |
| Average total loans | $200,399,200 | 2,292 |