Home > Valley Bank & Trust > Performance and Condition Ratios
Valley Bank & Trust, Performance and Condition Ratios
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0409% | 2,886 |
| Cost of funding earning assets | 0.9943% | 3,721 |
| Net interest margin | 4.0466% | 2,704 |
| Noninterest income to average assets | 0.5139% | 3,767 |
| Noninterest expense to average assets | 3.2431% | 2,682 |
| Loan and lease loss provision to assets | 0.5228% | 1,893 |
| Net operating income to assets | 0.5760% | 4,193 |
| Return on assets (ROA) | 0.5760% | 4,377 |
| Pretax return on assets | 0.6070% | 4,786 |
| Return on Equity (ROE) | 6.6220% | 3,704 |
| Retained earnings to average equity (ytd only) | 6.6220% | 2,186 |
| Net charge-offs to loans | 0.3324% | 3,428 |
| Credit loss provision to net charge-offs | 196.6667% | 1,488 |
| Earnings coverage of net charge-offs (x) | 4.2499% | 3,127 |
| Efficiency ratio | 74.1641% | 3,146 |
| Assets per employee ($millions) | 2.4185% | 6,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8813% | 2,671 |
| Loan loss allowance to noncurrent loans | 147.8405% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 1.3541% | 4,112 |
| Noncurrent loans to loans | 1.2725% | 4,406 |
| Net loans and leases to total assets | 79.9704% | 520 |
| Net loans and leases to deposits | 88.3513% | 1,388 |
| Net loans and leases to core deposits | 90.4411% | 2,196 |
| Total domestic deposits to total assets | 90.5141% | 632 |
| Equity capital to assets | 9.2516% | 5,447 |
| Core capital (leverage) ratio | 8.9724% | 4,979 |
| Tier 1 risk-based capital ratio | 13.1734% | 4,969 |
| Total risk-based capital ratio | 14.4343% | 4,939 |
| Memoranda: | ||
| Average total assets | $30,094,250 | 7,039 |
| Average earning assets | $28,698,000 | 6,974 |
| Average equity | $2,617,500 | 7,158 |
| Average total loans | $24,066,250 | 6,529 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9776% | 3,270 |
| Cost of funding earning assets | 1.0120% | 3,874 |
| Net interest margin | 3.9655% | 3,012 |
| Noninterest income to average assets | 0.4597% | 4,196 |
| Noninterest expense to average assets | 3.1722% | 2,994 |
| Loan and lease loss provision to assets | 0.6239% | 1,536 |
| Net operating income to assets | 0.4138% | 4,878 |
| Return on assets (ROA) | 0.4138% | 5,033 |
| Pretax return on assets | 0.4466% | 5,242 |
| Return on Equity (ROE) | 4.8555% | 4,521 |
| Retained earnings to average equity (ytd only) | 4.8555% | 3,082 |
| Net charge-offs to loans | -0.2644% | 7,334 |
| Credit loss provision to net charge-offs | -296.8750% | 6,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7678% | 3,224 |
| Assets per employee ($millions) | 2.3191% | 7,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1404% | 2,031 |
| Loan loss allowance to noncurrent loans | 104.8980% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 1.6253% | 3,751 |
| Noncurrent loans to loans | 2.0405% | 3,427 |
| Net loans and leases to total assets | 77.9488% | 786 |
| Net loans and leases to deposits | 85.5416% | 1,854 |
| Net loans and leases to core deposits | 88.3259% | 2,594 |
| Total domestic deposits to total assets | 91.1238% | 456 |
| Equity capital to assets | 8.6838% | 5,962 |
| Core capital (leverage) ratio | 8.7623% | 5,109 |
| Tier 1 risk-based capital ratio | 12.7050% | 5,172 |
| Total risk-based capital ratio | 13.9717% | 5,133 |
| Memoranda: | ||
| Average total assets | $30,451,670 | 7,094 |
| Average earning assets | $29,050,330 | 7,028 |
| Average equity | $2,595,000 | 7,226 |
| Average total loans | $24,203,670 | 6,581 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9860% | 3,163 |
| Cost of funding earning assets | 1.0576% | 3,799 |
| Net interest margin | 3.9284% | 3,008 |
| Noninterest income to average assets | 0.4575% | 4,212 |
| Noninterest expense to average assets | 3.1238% | 3,165 |
| Loan and lease loss provision to assets | 0.2875% | 2,845 |
| Net operating income to assets | 0.7450% | 3,301 |
| Return on assets (ROA) | 0.7450% | 3,368 |
| Pretax return on assets | 0.7842% | 3,957 |
| Return on Equity (ROE) | 8.8252% | 2,545 |
| Retained earnings to average equity (ytd only) | 8.8252% | 1,439 |
| Net charge-offs to loans | -0.3457% | 7,361 |
| Credit loss provision to net charge-offs | -104.7619% | 5,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4548% | 3,433 |
| Assets per employee ($millions) | 2.3589% | 7,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7766% | 3,080 |
| Loan loss allowance to noncurrent loans | 51.5588% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 2.7196% | 2,533 |
| Noncurrent loans to loans | 3.4457% | 2,174 |
| Net loans and leases to total assets | 77.5256% | 802 |
| Net loans and leases to deposits | 84.9405% | 1,890 |
| Net loans and leases to core deposits | 89.2853% | 2,444 |
| Total domestic deposits to total assets | 91.2705% | 501 |
| Equity capital to assets | 8.5176% | 5,880 |
| Core capital (leverage) ratio | 8.2753% | 5,855 |
| Tier 1 risk-based capital ratio | 12.4340% | 5,327 |
| Total risk-based capital ratio | 13.6907% | 5,297 |
| Memoranda: | ||
| Average total assets | $30,603,500 | 7,135 |
| Average earning assets | $29,121,500 | 7,076 |
| Average equity | $2,583,500 | 7,274 |
| Average total loans | $24,298,500 | 6,627 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0641% | 752 |
| Cost of funding earning assets | 1.2436% | 4,258 |
| Net interest margin | 4.8204% | 649 |
| Noninterest income to average assets | 0.5060% | 4,123 |
| Noninterest expense to average assets | 3.3183% | 2,676 |
| Loan and lease loss provision to assets | 1.1876% | 1,327 |
| Net operating income to assets | 0.4957% | 4,117 |
| Return on assets (ROA) | 0.4957% | 4,275 |
| Pretax return on assets | 0.5232% | 4,542 |
| Return on Equity (ROE) | 5.7790% | 3,707 |
| Retained earnings to average equity (ytd only) | 5.7790% | 1,950 |
| Net charge-offs to loans | 0.9597% | 2,257 |
| Credit loss provision to net charge-offs | 141.9753% | 2,637 |
| Earnings coverage of net charge-offs (x) | 2.0453% | 4,197 |
| Efficiency ratio | 65.9822% | 4,974 |
| Assets per employee ($millions) | 2.3493% | 7,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 3,632 |
| Loan loss allowance to noncurrent loans | 119.8142% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 1.0576% | 4,890 |
| Noncurrent loans to loans | 1.3242% | 4,506 |
| Net loans and leases to total assets | 78.6025% | 862 |
| Net loans and leases to deposits | 85.9783% | 2,104 |
| Net loans and leases to core deposits | 91.2325% | 2,584 |
| Total domestic deposits to total assets | 91.4214% | 421 |
| Equity capital to assets | 8.3658% | 6,051 |
| Core capital (leverage) ratio | 8.6598% | 5,091 |
| Tier 1 risk-based capital ratio | 11.4584% | 5,941 |
| Total risk-based capital ratio | 12.7141% | 5,937 |
| Memoranda: | ||
| Average total assets | $29,051,400 | 7,239 |
| Average earning assets | $27,259,000 | 7,181 |
| Average equity | $2,491,800 | 7,397 |
| Average total loans | $25,319,200 | 6,653 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2221% | 590 |
| Cost of funding earning assets | 1.2742% | 4,407 |
| Net interest margin | 4.9479% | 490 |
| Noninterest income to average assets | 0.4789% | 4,340 |
| Noninterest expense to average assets | 3.3241% | 2,501 |
| Loan and lease loss provision to assets | 1.1297% | 1,284 |
| Net operating income to assets | 0.6462% | 3,665 |
| Return on assets (ROA) | 0.6462% | 3,832 |
| Pretax return on assets | 0.6648% | 4,371 |
| Return on Equity (ROE) | 7.4851% | 3,114 |
| Retained earnings to average equity (ytd only) | 7.4851% | 1,604 |
| Net charge-offs to loans | 0.5375% | 3,150 |
| Credit loss provision to net charge-offs | 235.9223% | 1,432 |
| Earnings coverage of net charge-offs (x) | 3.7475% | 3,312 |
| Efficiency ratio | 64.9410% | 5,063 |
| Assets per employee ($millions) | 2.1994% | 7,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6832% | 3,209 |
| Loan loss allowance to noncurrent loans | 256.0241% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.5806% | 5,986 |
| Noncurrent loans to loans | 0.6575% | 5,890 |
| Net loans and leases to total assets | 86.8215% | 149 |
| Net loans and leases to deposits | 95.5651% | 1,037 |
| Net loans and leases to core deposits | 101.8588% | 1,668 |
| Total domestic deposits to total assets | 90.8506% | 501 |
| Equity capital to assets | 8.9151% | 5,686 |
| Core capital (leverage) ratio | 8.8439% | 4,935 |
| Tier 1 risk-based capital ratio | 11.4059% | 6,016 |
| Total risk-based capital ratio | 12.6633% | 5,997 |
| Memoranda: | ||
| Average total assets | $28,679,000 | 7,343 |
| Average earning assets | $26,892,750 | 7,281 |
| Average equity | $2,476,000 | 7,497 |
| Average total loans | $25,550,750 | 6,723 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1966% | 630 |
| Cost of funding earning assets | 1.2854% | 4,621 |
| Net interest margin | 4.9112% | 524 |
| Noninterest income to average assets | 0.4668% | 4,384 |
| Noninterest expense to average assets | 3.3301% | 2,461 |
| Loan and lease loss provision to assets | 1.5327% | 860 |
| Net operating income to assets | 0.2090% | 5,528 |
| Return on assets (ROA) | 0.2090% | 5,661 |
| Pretax return on assets | 0.2090% | 5,751 |
| Return on Equity (ROE) | 2.4473% | 5,483 |
| Retained earnings to average equity (ytd only) | 2.4473% | 4,597 |
| Net charge-offs to loans | 0.6783% | 2,522 |
| Credit loss provision to net charge-offs | 252.8736% | 1,511 |
| Earnings coverage of net charge-offs (x) | 2.8736% | 3,556 |
| Efficiency ratio | 65.6593% | 5,041 |
| Assets per employee ($millions) | 2.3815% | 7,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 3,329 |
| Loan loss allowance to noncurrent loans | 155.9701% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.9378% | 5,253 |
| Noncurrent loans to loans | 1.0440% | 5,219 |
| Net loans and leases to total assets | 88.3617% | 116 |
| Net loans and leases to deposits | 96.8586% | 970 |
| Net loans and leases to core deposits | 103.1957% | 1,715 |
| Total domestic deposits to total assets | 91.2275% | 404 |
| Equity capital to assets | 8.5380% | 6,119 |
| Core capital (leverage) ratio | 8.4199% | 5,542 |
| Tier 1 risk-based capital ratio | 10.6560% | 6,560 |
| Total risk-based capital ratio | 11.9137% | 6,550 |
| Memoranda: | ||
| Average total assets | $28,708,000 | 7,396 |
| Average earning assets | $26,918,000 | 7,336 |
| Average equity | $2,451,670 | 7,559 |
| Average total loans | $25,651,330 | 6,766 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0530% | 880 |
| Cost of funding earning assets | 1.2907% | 4,869 |
| Net interest margin | 4.7623% | 686 |
| Noninterest income to average assets | 0.4727% | 4,271 |
| Noninterest expense to average assets | 3.4338% | 2,145 |
| Loan and lease loss provision to assets | 0.3197% | 3,501 |
| Net operating income to assets | 1.2234% | 1,479 |
| Return on assets (ROA) | 1.2234% | 1,554 |
| Pretax return on assets | 1.1817% | 2,431 |
| Return on Equity (ROE) | 14.3235% | 990 |
| Retained earnings to average equity (ytd only) | 14.3235% | 469 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5775% | 4,399 |
| Assets per employee ($millions) | 2.3827% | 7,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 5,546 |
| Loan loss allowance to noncurrent loans | 137.5000% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.7834% | 5,585 |
| Noncurrent loans to loans | 0.8664% | 5,586 |
| Net loans and leases to total assets | 89.3502% | 87 |
| Net loans and leases to deposits | 98.1444% | 895 |
| Net loans and leases to core deposits | 102.4667% | 1,854 |
| Total domestic deposits to total assets | 91.0395% | 524 |
| Equity capital to assets | 8.7402% | 5,669 |
| Core capital (leverage) ratio | 8.7614% | 4,918 |
| Tier 1 risk-based capital ratio | 10.7944% | 6,351 |
| Total risk-based capital ratio | 12.0470% | 6,328 |
| Memoranda: | ||
| Average total assets | $28,773,000 | 7,486 |
| Average earning assets | $26,962,000 | 7,426 |
| Average equity | $2,457,500 | 7,649 |
| Average total loans | $25,642,000 | 6,842 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2078% | 1,221 |
| Cost of funding earning assets | 1.7694% | 4,152 |
| Net interest margin | 4.4384% | 1,323 |
| Noninterest income to average assets | 0.5420% | 4,093 |
| Noninterest expense to average assets | 3.4041% | 2,670 |
| Loan and lease loss provision to assets | 0.2125% | 5,643 |
| Net operating income to assets | 1.0414% | 1,700 |
| Return on assets (ROA) | 1.0414% | 1,742 |
| Pretax return on assets | 1.1016% | 2,248 |
| Return on Equity (ROE) | 12.7982% | 1,006 |
| Retained earnings to average equity (ytd only) | 6.7038% | 1,069 |
| Net charge-offs to loans | 0.1603% | 5,671 |
| Credit loss provision to net charge-offs | 153.8462% | 2,972 |
| Earnings coverage of net charge-offs (x) | 9.5128% | 1,787 |
| Efficiency ratio | 72.1471% | 4,241 |
| Assets per employee ($millions) | 2.4128% | 7,339 |
| Cash dividends to net income (ytd only)* | 47.6190% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 5,805 |
| Loan loss allowance to noncurrent loans | 209.5588% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 6,281 |
| Noncurrent loans to loans | 0.5348% | 6,180 |
| Net loans and leases to total assets | 86.8412% | 228 |
| Net loans and leases to deposits | 94.9834% | 1,461 |
| Net loans and leases to core deposits | 113.7944% | 2,519 |
| Total domestic deposits to total assets | 91.4278% | 399 |
| Equity capital to assets | 8.3443% | 6,134 |
| Core capital (leverage) ratio | 8.5811% | 5,134 |
| Tier 1 risk-based capital ratio | 10.5937% | 6,304 |
| Total risk-based capital ratio | 11.8434% | 6,285 |
| Memoranda: | ||
| Average total assets | $28,230,400 | 7,536 |
| Average earning assets | $26,563,400 | 7,480 |
| Average equity | $2,297,200 | 7,772 |
| Average total loans | $24,336,800 | 6,950 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1876% | 1,406 |
| Cost of funding earning assets | 1.8543% | 4,126 |
| Net interest margin | 4.3334% | 1,631 |
| Noninterest income to average assets | 0.4896% | 4,583 |
| Noninterest expense to average assets | 3.3464% | 2,737 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1693% | 1,541 |
| Return on assets (ROA) | 1.1693% | 1,598 |
| Pretax return on assets | 1.2311% | 2,160 |
| Return on Equity (ROE) | 14.4648% | 843 |
| Retained earnings to average equity (ytd only) | 6.2329% | 1,836 |
| Net charge-offs to loans | -0.0443% | 7,845 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1049% | 4,038 |
| Assets per employee ($millions) | 2.3416% | 7,455 |
| Cash dividends to net income (ytd only)* | 56.9103% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 5,748 |
| Loan loss allowance to noncurrent loans | 228.5714% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4235% | 6,394 |
| Noncurrent loans to loans | 0.4799% | 6,359 |
| Net loans and leases to total assets | 87.2807% | 252 |
| Net loans and leases to deposits | 95.6178% | 1,629 |
| Net loans and leases to core deposits | 115.7440% | 2,654 |
| Total domestic deposits to total assets | 91.2808% | 309 |
| Equity capital to assets | 8.4273% | 6,350 |
| Core capital (leverage) ratio | 8.3948% | 5,667 |
| Tier 1 risk-based capital ratio | 10.6074% | 6,335 |
| Total risk-based capital ratio | 11.8258% | 6,348 |
| Memoranda: | ||
| Average total assets | $28,049,500 | 7,611 |
| Average earning assets | $26,460,750 | 7,551 |
| Average equity | $2,267,500 | 7,859 |
| Average total loans | $24,063,750 | 7,024 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0978% | 1,800 |
| Cost of funding earning assets | 1.9141% | 4,193 |
| Net interest margin | 4.1837% | 2,050 |
| Noninterest income to average assets | 0.4709% | 4,703 |
| Noninterest expense to average assets | 3.4103% | 2,591 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9489% | 2,284 |
| Return on assets (ROA) | 0.9489% | 2,380 |
| Pretax return on assets | 1.0060% | 2,986 |
| Return on Equity (ROE) | 11.9069% | 1,444 |
| Retained earnings to average equity (ytd only) | -0.6267% | 5,382 |
| Net charge-offs to loans | -0.0504% | 7,851 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2213% | 3,473 |
| Assets per employee ($millions) | 2.3907% | 7,441 |
| Cash dividends to net income (ytd only)* | 105.2632% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 5,372 |
| Loan loss allowance to noncurrent loans | 134.3284% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.7006% | 5,655 |
| Noncurrent loans to loans | 0.8440% | 5,533 |
| Net loans and leases to total assets | 82.0692% | 945 |
| Net loans and leases to deposits | 89.4189% | 2,912 |
| Net loans and leases to core deposits | 103.7226% | 4,094 |
| Total domestic deposits to total assets | 91.7805% | 249 |
| Equity capital to assets | 7.8604% | 6,901 |
| Core capital (leverage) ratio | 7.9693% | 6,388 |
| Tier 1 risk-based capital ratio | 10.3128% | 6,579 |
| Total risk-based capital ratio | 11.5476% | 6,532 |
| Memoranda: | ||
| Average total assets | $28,033,000 | 7,678 |
| Average earning assets | $26,435,670 | 7,619 |
| Average equity | $2,234,000 | 7,950 |
| Average total loans | $23,819,330 | 7,096 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1209% | 1,871 |
| Cost of funding earning assets | 2.0301% | 3,988 |
| Net interest margin | 4.0907% | 2,313 |
| Noninterest income to average assets | 0.4476% | 4,800 |
| Noninterest expense to average assets | 3.3495% | 2,497 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9096% | 2,661 |
| Return on assets (ROA) | 0.9096% | 2,808 |
| Pretax return on assets | 0.9673% | 3,478 |
| Return on Equity (ROE) | 11.3335% | 1,869 |
| Retained earnings to average equity (ytd only) | -13.8520% | 7,377 |
| Net charge-offs to loans | -0.0672% | 7,785 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5920% | 3,238 |
| Assets per employee ($millions) | 2.3988% | 7,463 |
| Cash dividends to net income (ytd only)* | 222.2222% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 5,139 |
| Loan loss allowance to noncurrent loans | 227.1186% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.4099% | 6,267 |
| Noncurrent loans to loans | 0.5054% | 6,165 |
| Net loans and leases to total assets | 80.1876% | 1,346 |
| Net loans and leases to deposits | 87.0690% | 3,458 |
| Net loans and leases to core deposits | 102.8335% | 4,255 |
| Total domestic deposits to total assets | 92.0966% | 169 |
| Equity capital to assets | 7.5908% | 7,272 |
| Core capital (leverage) ratio | 7.8847% | 6,646 |
| Tier 1 risk-based capital ratio | 10.1059% | 6,804 |
| Total risk-based capital ratio | 11.3455% | 6,729 |
| Memoranda: | ||
| Average total assets | $27,705,500 | 7,742 |
| Average earning assets | $26,205,500 | 7,676 |
| Average equity | $2,223,500 | 8,005 |
| Average total loans | $23,822,000 | 7,145 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1046% | 905 |
| Cost of funding earning assets | 2.5110% | 4,150 |
| Net interest margin | 4.5937% | 1,199 |
| Noninterest income to average assets | 0.5827% | 3,985 |
| Noninterest expense to average assets | 3.5318% | 2,310 |
| Loan and lease loss provision to assets | 0.0984% | 6,124 |
| Net operating income to assets | 1.2444% | 1,643 |
| Return on assets (ROA) | 1.2678% | 1,524 |
| Pretax return on assets | 1.2836% | 2,368 |
| Return on Equity (ROE) | 15.0876% | 910 |
| Retained earnings to average equity (ytd only) | 8.5278% | 699 |
| Net charge-offs to loans | 0.1278% | 4,960 |
| Credit loss provision to net charge-offs | 86.2069% | 5,756 |
| Earnings coverage of net charge-offs (x) | 11.8966% | 2,315 |
| Efficiency ratio | 72.2222% | 3,893 |
| Assets per employee ($millions) | 2.2188% | 7,675 |
| Cash dividends to net income (ytd only)* | 43.4783% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 5,373 |
| Loan loss allowance to noncurrent loans | 141.1765% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.7023% | 5,119 |
| Noncurrent loans to loans | 0.7697% | 5,108 |
| Net loans and leases to total assets | 90.2501% | 181 |
| Net loans and leases to deposits | 99.0030% | 1,984 |
| Net loans and leases to core deposits | 116.1094% | 3,109 |
| Total domestic deposits to total assets | 91.1590% | 283 |
| Equity capital to assets | 8.4955% | 6,093 |
| Core capital (leverage) ratio | 8.7751% | 5,074 |
| Tier 1 risk-based capital ratio | 10.1948% | 6,523 |
| Total risk-based capital ratio | 11.3852% | 6,456 |
| Memoranda: | ||
| Average total assets | $25,398,000 | 7,828 |
| Average earning assets | $23,815,400 | 7,788 |
| Average equity | $2,134,200 | 8,092 |
| Average total loans | $22,698,600 | 7,152 |