Home > Valley Community Bank > Performance and Condition Ratios
Valley Community Bank, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 1,457 |
| Cost of funding earning assets | 0.2883% | 4,918 |
| Net interest margin | 4.3484% | 970 |
| Noninterest income to average assets | 0.9626% | 1,311 |
| Noninterest expense to average assets | 5.2459% | 266 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.3807% | 6,266 |
| Return on assets (ROA) | -0.3807% | 6,267 |
| Pretax return on assets | -0.3807% | 6,249 |
| Return on Equity (ROE) | -3.2168% | 6,257 |
| Retained earnings to average equity (ytd only) | -3.2168% | 6,106 |
| Net charge-offs to loans | 0.3684% | 1,180 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -1.6472% | 4,825 |
| Efficiency ratio | 107.8248% | 245 |
| Assets per employee ($millions) | 3.8301% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4998% | 53 |
| Loan loss allowance to noncurrent loans | 287.1968% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 1.1741% | 2,416 |
| Noncurrent loans to loans | 1.9150% | 1,470 |
| Net loans and leases to total assets | 57.9399% | 4,052 |
| Net loans and leases to deposits | 67.2575% | 4,196 |
| Net loans and leases to core deposits | 68.3440% | 4,466 |
| Total domestic deposits to total assets | 86.1464% | 2,754 |
| Equity capital to assets | 12.1320% | 1,924 |
| Core capital (leverage) ratio | 11.8446% | 1,737 |
| Tier 1 risk-based capital ratio | 17.9101% | 2,170 |
| Total risk-based capital ratio | 19.2053% | 2,118 |
| Memoranda: | ||
| Average total assets | $133,703,400 | 3,905 |
| Average earning assets | $119,997,400 | 3,965 |
| Average equity | $15,823,200 | 3,700 |
| Average total loans | $83,882,200 | 3,770 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7291% | 1,239 |
| Cost of funding earning assets | 0.2943% | 4,931 |
| Net interest margin | 4.4347% | 841 |
| Noninterest income to average assets | 0.9798% | 1,284 |
| Noninterest expense to average assets | 4.8312% | 349 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1062% | 6,019 |
| Return on assets (ROA) | 0.1062% | 6,047 |
| Pretax return on assets | 0.1062% | 6,052 |
| Return on Equity (ROE) | 0.9031% | 6,047 |
| Retained earnings to average equity (ytd only) | 0.9031% | 5,524 |
| Net charge-offs to loans | 0.3322% | 1,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.5071% | 4,370 |
| Efficiency ratio | 97.8482% | 436 |
| Assets per employee ($millions) | 4.2028% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3257% | 63 |
| Loan loss allowance to noncurrent loans | 213.3138% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 1.7216% | 1,744 |
| Noncurrent loans to loans | 2.4966% | 1,175 |
| Net loans and leases to total assets | 59.4630% | 3,872 |
| Net loans and leases to deposits | 69.1184% | 4,014 |
| Net loans and leases to core deposits | 70.5201% | 4,279 |
| Total domestic deposits to total assets | 86.0307% | 2,834 |
| Equity capital to assets | 12.2001% | 1,912 |
| Core capital (leverage) ratio | 11.7068% | 1,907 |
| Tier 1 risk-based capital ratio | 17.4152% | 2,424 |
| Total risk-based capital ratio | 18.7061% | 2,372 |
| Memoranda: | ||
| Average total assets | $135,531,000 | 3,910 |
| Average earning assets | $120,951,500 | 3,969 |
| Average equity | $15,945,500 | 3,696 |
| Average total loans | $85,479,250 | 3,768 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8243% | 1,028 |
| Cost of funding earning assets | 0.2998% | 4,967 |
| Net interest margin | 4.5245% | 673 |
| Noninterest income to average assets | 0.8435% | 1,690 |
| Noninterest expense to average assets | 4.6679% | 397 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1996% | 5,841 |
| Return on assets (ROA) | 0.1996% | 5,896 |
| Pretax return on assets | 0.1996% | 5,949 |
| Return on Equity (ROE) | 1.7165% | 5,907 |
| Retained earnings to average equity (ytd only) | 1.7165% | 5,042 |
| Net charge-offs to loans | -0.3114% | 6,443 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8994% | 559 |
| Assets per employee ($millions) | 4.0752% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6289% | 61 |
| Loan loss allowance to noncurrent loans | 148.6888% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 4.1336% | 494 |
| Noncurrent loans to loans | 3.7857% | 654 |
| Net loans and leases to total assets | 58.6681% | 3,902 |
| Net loans and leases to deposits | 67.8313% | 4,073 |
| Net loans and leases to core deposits | 69.7422% | 4,293 |
| Total domestic deposits to total assets | 86.4911% | 2,763 |
| Equity capital to assets | 11.8648% | 2,094 |
| Core capital (leverage) ratio | 11.6786% | 1,866 |
| Tier 1 risk-based capital ratio | 16.7636% | 2,722 |
| Total risk-based capital ratio | 18.0602% | 2,666 |
| Memoranda: | ||
| Average total assets | $137,279,330 | 3,901 |
| Average earning assets | $122,091,000 | 3,968 |
| Average equity | $15,962,330 | 3,700 |
| Average total loans | $86,695,670 | 3,754 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4091% | 342 |
| Cost of funding earning assets | 0.2996% | 5,071 |
| Net interest margin | 5.1095% | 219 |
| Noninterest income to average assets | 0.9057% | 1,375 |
| Noninterest expense to average assets | 4.3352% | 534 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1451% | 1,645 |
| Return on assets (ROA) | 1.1451% | 1,713 |
| Pretax return on assets | 1.1451% | 2,716 |
| Return on Equity (ROE) | 9.9464% | 2,062 |
| Retained earnings to average equity (ytd only) | 9.9464% | 979 |
| Net charge-offs to loans | -0.4896% | 6,556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1053% | 2,320 |
| Assets per employee ($millions) | 3.8586% | 4,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4839% | 75 |
| Loan loss allowance to noncurrent loans | 122.1990% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 4.1609% | 549 |
| Noncurrent loans to loans | 4.4877% | 536 |
| Net loans and leases to total assets | 58.0537% | 3,832 |
| Net loans and leases to deposits | 66.8161% | 3,993 |
| Net loans and leases to core deposits | 68.6230% | 4,244 |
| Total domestic deposits to total assets | 86.8858% | 2,883 |
| Equity capital to assets | 11.6470% | 2,137 |
| Core capital (leverage) ratio | 11.4538% | 2,003 |
| Tier 1 risk-based capital ratio | 17.1732% | 2,609 |
| Total risk-based capital ratio | 18.4712% | 2,550 |
| Memoranda: | ||
| Average total assets | $138,678,000 | 3,904 |
| Average earning assets | $124,160,000 | 3,958 |
| Average equity | $15,965,500 | 3,706 |
| Average total loans | $88,241,500 | 3,743 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4274% | 2,481 |
| Cost of funding earning assets | 0.3573% | 5,069 |
| Net interest margin | 4.0701% | 1,731 |
| Noninterest income to average assets | 1.0788% | 1,218 |
| Noninterest expense to average assets | 4.9094% | 372 |
| Loan and lease loss provision to assets | 0.1338% | 2,635 |
| Net operating income to assets | -0.2362% | 6,386 |
| Return on assets (ROA) | -0.2362% | 6,400 |
| Pretax return on assets | -0.2362% | 6,381 |
| Return on Equity (ROE) | -2.2032% | 6,389 |
| Retained earnings to average equity (ytd only) | -2.2032% | 6,196 |
| Net charge-offs to loans | 0.8050% | 780 |
| Credit loss provision to net charge-offs | 23.7248% | 4,375 |
| Earnings coverage of net charge-offs (x) | -0.1815% | 5,140 |
| Efficiency ratio | 102.1300% | 420 |
| Assets per employee ($millions) | 3.8457% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0142% | 92 |
| Loan loss allowance to noncurrent loans | 84.9628% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 3.8860% | 694 |
| Noncurrent loans to loans | 5.9016% | 355 |
| Net loans and leases to total assets | 62.5447% | 3,290 |
| Net loans and leases to deposits | 71.8077% | 3,547 |
| Net loans and leases to core deposits | 73.5903% | 3,885 |
| Total domestic deposits to total assets | 87.1003% | 2,669 |
| Equity capital to assets | 11.3778% | 2,256 |
| Core capital (leverage) ratio | 10.7815% | 2,590 |
| Tier 1 risk-based capital ratio | 16.2541% | 2,986 |
| Total risk-based capital ratio | 17.5455% | 2,919 |
| Memoranda: | ||
| Average total assets | $149,426,200 | 3,716 |
| Average earning assets | $136,875,000 | 3,712 |
| Average equity | $16,022,200 | 3,698 |
| Average total loans | $104,723,800 | 3,350 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3733% | 2,682 |
| Cost of funding earning assets | 0.3698% | 5,100 |
| Net interest margin | 4.0035% | 1,934 |
| Noninterest income to average assets | 0.9691% | 1,543 |
| Noninterest expense to average assets | 4.7156% | 434 |
| Loan and lease loss provision to assets | 0.1752% | 2,078 |
| Net operating income to assets | -0.2410% | 6,489 |
| Return on assets (ROA) | -0.2410% | 6,504 |
| Pretax return on assets | -0.2410% | 6,483 |
| Return on Equity (ROE) | -2.2788% | 6,497 |
| Retained earnings to average equity (ytd only) | -2.2788% | 6,294 |
| Net charge-offs to loans | 1.1210% | 502 |
| Credit loss provision to net charge-offs | 22.0022% | 4,038 |
| Earnings coverage of net charge-offs (x) | -0.0825% | 4,880 |
| Efficiency ratio | 101.4132% | 418 |
| Assets per employee ($millions) | 4.3132% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3811% | 180 |
| Loan loss allowance to noncurrent loans | 62.3841% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 4.9254% | 570 |
| Noncurrent loans to loans | 7.0228% | 295 |
| Net loans and leases to total assets | 67.0613% | 2,447 |
| Net loans and leases to deposits | 76.3155% | 2,915 |
| Net loans and leases to core deposits | 78.2396% | 3,325 |
| Total domestic deposits to total assets | 87.8737% | 2,208 |
| Equity capital to assets | 10.7734% | 2,985 |
| Core capital (leverage) ratio | 10.7360% | 2,745 |
| Tier 1 risk-based capital ratio | 14.6203% | 4,002 |
| Total risk-based capital ratio | 15.8936% | 3,934 |
| Memoranda: | ||
| Average total assets | $152,171,500 | 3,702 |
| Average earning assets | $139,907,250 | 3,701 |
| Average equity | $16,089,750 | 3,728 |
| Average total loans | $108,114,500 | 3,305 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3141% | 2,895 |
| Cost of funding earning assets | 0.3807% | 5,128 |
| Net interest margin | 3.9335% | 2,098 |
| Noninterest income to average assets | 1.0571% | 1,367 |
| Noninterest expense to average assets | 4.7399% | 431 |
| Loan and lease loss provision to assets | 0.2597% | 1,425 |
| Net operating income to assets | -0.3195% | 6,562 |
| Return on assets (ROA) | -0.3195% | 6,591 |
| Pretax return on assets | -0.3195% | 6,562 |
| Return on Equity (ROE) | -3.0395% | 6,581 |
| Retained earnings to average equity (ytd only) | -3.0395% | 6,316 |
| Net charge-offs to loans | 0.5042% | 1,302 |
| Credit loss provision to net charge-offs | 72.2022% | 2,782 |
| Earnings coverage of net charge-offs (x) | -0.1661% | 4,607 |
| Efficiency ratio | 101.2764% | 446 |
| Assets per employee ($millions) | 4.2231% | 3,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9248% | 119 |
| Loan loss allowance to noncurrent loans | 55.2818% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 6.4741% | 392 |
| Noncurrent loans to loans | 8.9086% | 206 |
| Net loans and leases to total assets | 69.0940% | 2,053 |
| Net loans and leases to deposits | 78.9216% | 2,466 |
| Net loans and leases to core deposits | 81.1660% | 2,895 |
| Total domestic deposits to total assets | 87.5476% | 2,522 |
| Equity capital to assets | 11.0867% | 2,671 |
| Core capital (leverage) ratio | 10.5954% | 2,772 |
| Tier 1 risk-based capital ratio | 14.1145% | 4,349 |
| Total risk-based capital ratio | 15.4000% | 4,281 |
| Memoranda: | ||
| Average total assets | $154,012,670 | 3,703 |
| Average earning assets | $141,859,330 | 3,698 |
| Average equity | $16,186,670 | 3,740 |
| Average total loans | $109,869,330 | 3,275 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2559% | 3,074 |
| Cost of funding earning assets | 0.3926% | 5,179 |
| Net interest margin | 3.8633% | 2,237 |
| Noninterest income to average assets | 1.2310% | 1,010 |
| Noninterest expense to average assets | 4.2807% | 641 |
| Loan and lease loss provision to assets | 0.3768% | 848 |
| Net operating income to assets | 0.1331% | 6,086 |
| Return on assets (ROA) | 0.1331% | 6,179 |
| Pretax return on assets | 0.1331% | 6,204 |
| Return on Equity (ROE) | 1.2990% | 6,148 |
| Retained earnings to average equity (ytd only) | 1.2990% | 5,332 |
| Net charge-offs to loans | 0.0391% | 3,481 |
| Credit loss provision to net charge-offs | 1,363.6364% | 238 |
| Earnings coverage of net charge-offs (x) | 18.4545% | 1,264 |
| Efficiency ratio | 89.3550% | 1,203 |
| Assets per employee ($millions) | 4.3460% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9448% | 143 |
| Loan loss allowance to noncurrent loans | 52.0868% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 6.5699% | 455 |
| Noncurrent loans to loans | 9.4934% | 237 |
| Net loans and leases to total assets | 65.7831% | 2,412 |
| Net loans and leases to deposits | 74.4903% | 2,858 |
| Net loans and leases to core deposits | 76.4070% | 3,262 |
| Total domestic deposits to total assets | 88.3110% | 2,120 |
| Equity capital to assets | 10.4567% | 3,588 |
| Core capital (leverage) ratio | 10.0695% | 3,305 |
| Tier 1 risk-based capital ratio | 13.6913% | 4,727 |
| Total risk-based capital ratio | 14.9435% | 4,691 |
| Memoranda: | ||
| Average total assets | $159,225,500 | 3,661 |
| Average earning assets | $146,714,500 | 3,649 |
| Average equity | $16,320,500 | 3,769 |
| Average total loans | $112,629,500 | 3,239 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5624% | 3,158 |
| Cost of funding earning assets | 0.5741% | 4,595 |
| Net interest margin | 3.9883% | 2,440 |
| Noninterest income to average assets | 0.6426% | 3,035 |
| Noninterest expense to average assets | 4.5035% | 575 |
| Loan and lease loss provision to assets | 1.6317% | 176 |
| Net operating income to assets | -1.9799% | 6,923 |
| Return on assets (ROA) | -1.9799% | 6,930 |
| Pretax return on assets | -1.8480% | 6,910 |
| Return on Equity (ROE) | -18.8479% | 6,867 |
| Retained earnings to average equity (ytd only) | -18.8479% | 6,830 |
| Net charge-offs to loans | 1.3718% | 679 |
| Credit loss provision to net charge-offs | 165.5516% | 1,610 |
| Earnings coverage of net charge-offs (x) | -0.2195% | 5,580 |
| Efficiency ratio | 105.0459% | 423 |
| Assets per employee ($millions) | 4.7646% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4579% | 197 |
| Loan loss allowance to noncurrent loans | 45.0696% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 7.3230% | 414 |
| Noncurrent loans to loans | 9.8911% | 238 |
| Net loans and leases to total assets | 68.9949% | 2,035 |
| Net loans and leases to deposits | 79.9881% | 2,281 |
| Net loans and leases to core deposits | 80.4667% | 2,944 |
| Total domestic deposits to total assets | 86.2565% | 3,228 |
| Equity capital to assets | 10.0502% | 4,102 |
| Core capital (leverage) ratio | 9.4586% | 4,171 |
| Tier 1 risk-based capital ratio | 12.7643% | 5,281 |
| Total risk-based capital ratio | 14.0508% | 5,189 |
| Memoranda: | ||
| Average total assets | $172,889,400 | 3,402 |
| Average earning assets | $157,987,600 | 3,404 |
| Average equity | $18,161,200 | 3,446 |
| Average total loans | $124,214,600 | 3,000 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7145% | 2,747 |
| Cost of funding earning assets | 0.5815% | 4,831 |
| Net interest margin | 4.1330% | 1,959 |
| Noninterest income to average assets | 0.9475% | 1,676 |
| Noninterest expense to average assets | 5.0701% | 350 |
| Loan and lease loss provision to assets | 1.7462% | 167 |
| Net operating income to assets | -2.0977% | 7,049 |
| Return on assets (ROA) | -2.0977% | 7,059 |
| Pretax return on assets | -2.0970% | 7,045 |
| Return on Equity (ROE) | -19.7727% | 6,987 |
| Retained earnings to average equity (ytd only) | -19.7727% | 6,970 |
| Net charge-offs to loans | 0.7998% | 1,374 |
| Credit loss provision to net charge-offs | 304.2328% | 887 |
| Earnings coverage of net charge-offs (x) | -0.6111% | 5,521 |
| Efficiency ratio | 107.4324% | 351 |
| Assets per employee ($millions) | 5.1242% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8785% | 157 |
| Loan loss allowance to noncurrent loans | 65.5589% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 5.1840% | 843 |
| Noncurrent loans to loans | 7.4414% | 459 |
| Net loans and leases to total assets | 65.0564% | 2,825 |
| Net loans and leases to deposits | 75.4437% | 3,072 |
| Net loans and leases to core deposits | 76.1408% | 3,706 |
| Total domestic deposits to total assets | 86.2317% | 3,132 |
| Equity capital to assets | 10.0220% | 4,460 |
| Core capital (leverage) ratio | 10.0208% | 3,508 |
| Tier 1 risk-based capital ratio | 13.6073% | 4,807 |
| Total risk-based capital ratio | 14.8999% | 4,738 |
| Memoranda: | ||
| Average total assets | $175,612,750 | 3,413 |
| Average earning assets | $160,267,000 | 3,412 |
| Average equity | $18,631,250 | 3,418 |
| Average total loans | $126,022,250 | 2,993 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7986% | 2,512 |
| Cost of funding earning assets | 0.5984% | 4,920 |
| Net interest margin | 4.2002% | 1,751 |
| Noninterest income to average assets | 1.0507% | 1,316 |
| Noninterest expense to average assets | 5.0994% | 349 |
| Loan and lease loss provision to assets | 1.0125% | 434 |
| Net operating income to assets | -1.2408% | 6,968 |
| Return on assets (ROA) | -1.2408% | 6,981 |
| Pretax return on assets | -1.2397% | 6,952 |
| Return on Equity (ROE) | -11.4940% | 6,933 |
| Retained earnings to average equity (ytd only) | -11.4940% | 6,875 |
| Net charge-offs to loans | 0.2919% | 2,860 |
| Credit loss provision to net charge-offs | 476.1905% | 635 |
| Earnings coverage of net charge-offs (x) | -1.0688% | 5,315 |
| Efficiency ratio | 104.6640% | 421 |
| Assets per employee ($millions) | 4.9603% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9494% | 356 |
| Loan loss allowance to noncurrent loans | 53.0795% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 6.3077% | 661 |
| Noncurrent loans to loans | 7.4406% | 500 |
| Net loans and leases to total assets | 69.3484% | 2,042 |
| Net loans and leases to deposits | 81.3041% | 2,193 |
| Net loans and leases to core deposits | 82.8600% | 2,848 |
| Total domestic deposits to total assets | 85.2950% | 3,711 |
| Equity capital to assets | 11.0258% | 3,087 |
| Core capital (leverage) ratio | 10.5984% | 2,713 |
| Tier 1 risk-based capital ratio | 13.9272% | 4,498 |
| Total risk-based capital ratio | 15.2074% | 4,444 |
| Memoranda: | ||
| Average total assets | $177,784,330 | 3,393 |
| Average earning assets | $161,754,000 | 3,388 |
| Average equity | $19,192,670 | 3,328 |
| Average total loans | $129,479,330 | 2,935 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6698% | 3,170 |
| Cost of funding earning assets | 0.6148% | 5,011 |
| Net interest margin | 4.0551% | 2,275 |
| Noninterest income to average assets | 1.2284% | 948 |
| Noninterest expense to average assets | 4.9355% | 384 |
| Loan and lease loss provision to assets | 0.8226% | 585 |
| Net operating income to assets | -0.8423% | 6,965 |
| Return on assets (ROA) | -0.8423% | 6,980 |
| Pretax return on assets | -0.8401% | 6,941 |
| Return on Equity (ROE) | -7.8804% | 6,947 |
| Retained earnings to average equity (ytd only) | -7.8804% | 6,760 |
| Net charge-offs to loans | 0.7020% | 1,424 |
| Credit loss provision to net charge-offs | 160.2564% | 1,580 |
| Earnings coverage of net charge-offs (x) | -0.0342% | 4,382 |
| Efficiency ratio | 100.3568% | 543 |
| Assets per employee ($millions) | 5.2756% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2916% | 626 |
| Loan loss allowance to noncurrent loans | 40.2852% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 6.9983% | 617 |
| Noncurrent loans to loans | 8.1707% | 467 |
| Net loans and leases to total assets | 69.4176% | 1,854 |
| Net loans and leases to deposits | 80.8140% | 2,083 |
| Net loans and leases to core deposits | 83.1314% | 2,664 |
| Total domestic deposits to total assets | 85.8979% | 3,590 |
| Equity capital to assets | 10.7609% | 3,194 |
| Core capital (leverage) ratio | 10.3906% | 2,886 |
| Tier 1 risk-based capital ratio | 13.3093% | 4,967 |
| Total risk-based capital ratio | 14.5807% | 4,942 |
| Memoranda: | ||
| Average total assets | $182,351,500 | 3,342 |
| Average earning assets | $165,915,500 | 3,348 |
| Average equity | $19,491,500 | 3,287 |
| Average total loans | $133,336,500 | 2,880 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1269% | 2,346 |
| Cost of funding earning assets | 0.6148% | 6,016 |
| Net interest margin | 4.5121% | 1,109 |
| Noninterest income to average assets | 1.9728% | 385 |
| Noninterest expense to average assets | 4.2736% | 740 |
| Loan and lease loss provision to assets | 3.8631% | 60 |
| Net operating income to assets | -2.2921% | 7,076 |
| Return on assets (ROA) | -2.2921% | 7,091 |
| Pretax return on assets | -2.0325% | 7,032 |
| Return on Equity (ROE) | -19.2784% | 6,975 |
| Retained earnings to average equity (ytd only) | -19.6033% | 6,963 |
| Net charge-offs to loans | 4.3982% | 112 |
| Credit loss provision to net charge-offs | 110.0029% | 3,048 |
| Earnings coverage of net charge-offs (x) | 0.5213% | 5,436 |
| Efficiency ratio | 70.0110% | 3,958 |
| Assets per employee ($millions) | 5.7916% | 1,380 |
| Cash dividends to net income (ytd only)* | -1.6854% | 7,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9713% | 834 |
| Loan loss allowance to noncurrent loans | 34.3044% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 7.3225% | 611 |
| Noncurrent loans to loans | 8.6615% | 423 |
| Net loans and leases to total assets | 72.2066% | 1,612 |
| Net loans and leases to deposits | 84.7720% | 1,833 |
| Net loans and leases to core deposits | 88.2987% | 2,346 |
| Total domestic deposits to total assets | 85.1774% | 3,756 |
| Equity capital to assets | 10.6193% | 3,398 |
| Core capital (leverage) ratio | 10.3531% | 2,908 |
| Tier 1 risk-based capital ratio | 13.0858% | 5,001 |
| Total risk-based capital ratio | 14.3547% | 4,962 |
| Memoranda: | ||
| Average total assets | $194,143,200 | 3,127 |
| Average earning assets | $177,767,000 | 3,117 |
| Average equity | $23,082,800 | 2,773 |
| Average total loans | $155,019,400 | 2,566 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2507% | 2,028 |
| Cost of funding earning assets | 0.6257% | 6,149 |
| Net interest margin | 4.6250% | 903 |
| Noninterest income to average assets | 2.3326% | 294 |
| Noninterest expense to average assets | 4.1164% | 879 |
| Loan and lease loss provision to assets | 2.5804% | 167 |
| Net operating income to assets | -0.1277% | 6,313 |
| Return on assets (ROA) | -0.1277% | 6,395 |
| Pretax return on assets | -0.1277% | 6,358 |
| Return on Equity (ROE) | -1.0473% | 6,385 |
| Retained earnings to average equity (ytd only) | -1.6044% | 6,248 |
| Net charge-offs to loans | 1.4790% | 987 |
| Credit loss provision to net charge-offs | 215.0538% | 1,340 |
| Earnings coverage of net charge-offs (x) | 2.0441% | 4,125 |
| Efficiency ratio | 62.6628% | 5,301 |
| Assets per employee ($millions) | 5.3547% | 1,750 |
| Cash dividends to net income (ytd only)* | -53.1916% | 7,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6419% | 507 |
| Loan loss allowance to noncurrent loans | 36.6172% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 8.1226% | 537 |
| Noncurrent loans to loans | 9.9460% | 361 |
| Net loans and leases to total assets | 76.9250% | 842 |
| Net loans and leases to deposits | 92.6107% | 957 |
| Net loans and leases to core deposits | 98.9852% | 1,336 |
| Total domestic deposits to total assets | 83.0627% | 4,654 |
| Equity capital to assets | 12.7268% | 1,769 |
| Core capital (leverage) ratio | 12.1502% | 1,623 |
| Tier 1 risk-based capital ratio | 14.7527% | 3,803 |
| Total risk-based capital ratio | 16.0309% | 3,761 |
| Memoranda: | ||
| Average total assets | $196,346,000 | 3,115 |
| Average earning assets | $179,856,750 | 3,111 |
| Average equity | $23,933,250 | 2,679 |
| Average total loans | $159,294,250 | 2,523 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3696% | 1,654 |
| Cost of funding earning assets | 0.6330% | 6,306 |
| Net interest margin | 4.7366% | 675 |
| Noninterest income to average assets | 2.6761% | 244 |
| Noninterest expense to average assets | 3.9945% | 1,063 |
| Loan and lease loss provision to assets | 2.7092% | 182 |
| Net operating income to assets | 0.2017% | 5,733 |
| Return on assets (ROA) | 0.2017% | 5,850 |
| Pretax return on assets | 0.3271% | 5,605 |
| Return on Equity (ROE) | 1.6778% | 5,896 |
| Retained earnings to average equity (ytd only) | 0.8431% | 5,530 |
| Net charge-offs to loans | 1.1482% | 1,361 |
| Credit loss provision to net charge-offs | 289.3891% | 1,058 |
| Earnings coverage of net charge-offs (x) | 3.2433% | 3,248 |
| Efficiency ratio | 56.8146% | 6,318 |
| Assets per employee ($millions) | 5.5921% | 1,488 |
| Cash dividends to net income (ytd only)* | 49.7512% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3189% | 695 |
| Loan loss allowance to noncurrent loans | 34.8578% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 7.7656% | 609 |
| Noncurrent loans to loans | 9.5213% | 418 |
| Net loans and leases to total assets | 77.1412% | 894 |
| Net loans and leases to deposits | 92.5379% | 995 |
| Net loans and leases to core deposits | 103.1798% | 1,105 |
| Total domestic deposits to total assets | 83.3617% | 4,607 |
| Equity capital to assets | 12.3757% | 1,858 |
| Core capital (leverage) ratio | 12.2750% | 1,467 |
| Tier 1 risk-based capital ratio | 14.3660% | 3,890 |
| Total risk-based capital ratio | 15.6396% | 3,847 |
| Memoranda: | ||
| Average total assets | $199,323,000 | 3,107 |
| Average earning assets | $183,252,670 | 3,085 |
| Average equity | $23,960,330 | 2,665 |
| Average total loans | $162,519,670 | 2,503 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6332% | 1,003 |
| Cost of funding earning assets | 0.6758% | 6,268 |
| Net interest margin | 4.9574% | 413 |
| Noninterest income to average assets | 2.5258% | 261 |
| Noninterest expense to average assets | 4.0493% | 977 |
| Loan and lease loss provision to assets | 4.1765% | 97 |
| Net operating income to assets | -0.9049% | 7,012 |
| Return on assets (ROA) | -0.9049% | 7,011 |
| Pretax return on assets | -1.1336% | 7,036 |
| Return on Equity (ROE) | -7.6376% | 6,943 |
| Retained earnings to average equity (ytd only) | -8.8965% | 6,811 |
| Net charge-offs to loans | 1.3567% | 1,021 |
| Credit loss provision to net charge-offs | 373.6655% | 888 |
| Earnings coverage of net charge-offs (x) | 2.7224% | 2,991 |
| Efficiency ratio | 57.0948% | 6,370 |
| Assets per employee ($millions) | 5.5813% | 1,508 |
| Cash dividends to net income (ytd only)* | -16.4835% | 7,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0136% | 908 |
| Loan loss allowance to noncurrent loans | 31.2240% | 6,222 |
| Noncurrent assets plus other real estate owned to assets | 8.3064% | 554 |
| Noncurrent loans to loans | 9.6517% | 431 |
| Net loans and leases to total assets | 81.6160% | 377 |
| Net loans and leases to deposits | 97.7858% | 584 |
| Net loans and leases to core deposits | 107.4137% | 874 |
| Total domestic deposits to total assets | 83.4640% | 4,710 |
| Equity capital to assets | 12.0587% | 1,882 |
| Core capital (leverage) ratio | 11.1700% | 2,052 |
| Tier 1 risk-based capital ratio | 13.2039% | 4,664 |
| Total risk-based capital ratio | 14.4742% | 4,624 |
| Memoranda: | ||
| Average total assets | $201,123,000 | 3,099 |
| Average earning assets | $185,259,000 | 3,077 |
| Average equity | $23,829,500 | 2,660 |
| Average total loans | $165,696,500 | 2,492 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6764% | 1,655 |
| Cost of funding earning assets | 0.9509% | 5,931 |
| Net interest margin | 4.7255% | 776 |
| Noninterest income to average assets | 0.9722% | 1,600 |
| Noninterest expense to average assets | 3.5664% | 2,015 |
| Loan and lease loss provision to assets | 1.6404% | 875 |
| Net operating income to assets | 0.0943% | 5,603 |
| Return on assets (ROA) | 0.0943% | 5,744 |
| Pretax return on assets | 0.1377% | 5,627 |
| Return on Equity (ROE) | 0.8342% | 5,743 |
| Retained earnings to average equity (ytd only) | -0.3926% | 5,687 |
| Net charge-offs to loans | 2.4758% | 759 |
| Credit loss provision to net charge-offs | 83.0409% | 5,439 |
| Earnings coverage of net charge-offs (x) | 0.9001% | 5,214 |
| Efficiency ratio | 66.7301% | 4,813 |
| Assets per employee ($millions) | 5.7473% | 1,393 |
| Cash dividends to net income (ytd only)* | 147.0588% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0454% | 2,190 |
| Loan loss allowance to noncurrent loans | 33.1361% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 5.1565% | 1,230 |
| Noncurrent loans to loans | 6.1728% | 1,000 |
| Net loans and leases to total assets | 79.0669% | 788 |
| Net loans and leases to deposits | 92.9273% | 1,147 |
| Net loans and leases to core deposits | 110.1171% | 911 |
| Total domestic deposits to total assets | 85.0847% | 3,810 |
| Equity capital to assets | 11.6495% | 2,162 |
| Core capital (leverage) ratio | 11.0445% | 2,128 |
| Tier 1 risk-based capital ratio | 13.1592% | 4,480 |
| Total risk-based capital ratio | 14.4179% | 4,431 |
| Memoranda: | ||
| Average total assets | $216,411,200 | 2,912 |
| Average earning assets | $200,230,800 | 2,875 |
| Average equity | $24,453,200 | 2,612 |
| Average total loans | $172,668,000 | 2,434 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6913% | 1,744 |
| Cost of funding earning assets | 0.9754% | 6,058 |
| Net interest margin | 4.7159% | 808 |
| Noninterest income to average assets | 1.0506% | 1,306 |
| Noninterest expense to average assets | 3.5613% | 1,877 |
| Loan and lease loss provision to assets | 0.9903% | 1,501 |
| Net operating income to assets | 0.5168% | 4,231 |
| Return on assets (ROA) | 0.5168% | 4,422 |
| Pretax return on assets | 0.8623% | 3,692 |
| Return on Equity (ROE) | 4.6072% | 4,499 |
| Retained earnings to average equity (ytd only) | 3.3848% | 4,066 |
| Net charge-offs to loans | 1.2247% | 1,669 |
| Credit loss provision to net charge-offs | 101.6260% | 4,241 |
| Earnings coverage of net charge-offs (x) | 1.9012% | 4,283 |
| Efficiency ratio | 65.7812% | 4,909 |
| Assets per employee ($millions) | 4.9880% | 2,194 |
| Cash dividends to net income (ytd only)* | 26.5328% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5001% | 1,323 |
| Loan loss allowance to noncurrent loans | 39.2004% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 5.2545% | 1,193 |
| Noncurrent loans to loans | 6.3776% | 946 |
| Net loans and leases to total assets | 77.5707% | 1,113 |
| Net loans and leases to deposits | 91.1640% | 1,552 |
| Net loans and leases to core deposits | 108.6566% | 1,115 |
| Total domestic deposits to total assets | 85.0891% | 3,576 |
| Equity capital to assets | 11.8665% | 2,244 |
| Core capital (leverage) ratio | 11.4455% | 1,972 |
| Tier 1 risk-based capital ratio | 13.4620% | 4,230 |
| Total risk-based capital ratio | 14.7254% | 4,172 |
| Memoranda: | ||
| Average total assets | $218,788,500 | 2,937 |
| Average earning assets | $202,432,750 | 2,887 |
| Average equity | $24,540,750 | 2,646 |
| Average total loans | $174,083,250 | 2,461 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6794% | 1,841 |
| Cost of funding earning assets | 1.0020% | 6,131 |
| Net interest margin | 4.6774% | 848 |
| Noninterest income to average assets | 0.6102% | 3,257 |
| Noninterest expense to average assets | 3.3792% | 2,319 |
| Loan and lease loss provision to assets | 0.8112% | 1,780 |
| Net operating income to assets | 0.4597% | 4,508 |
| Return on assets (ROA) | 0.4597% | 4,666 |
| Pretax return on assets | 0.7662% | 3,999 |
| Return on Equity (ROE) | 4.1745% | 4,700 |
| Retained earnings to average equity (ytd only) | 2.9549% | 4,244 |
| Net charge-offs to loans | 0.1575% | 4,684 |
| Credit loss provision to net charge-offs | 647.4820% | 570 |
| Earnings coverage of net charge-offs (x) | 12.5899% | 1,666 |
| Efficiency ratio | 68.1760% | 4,546 |
| Assets per employee ($millions) | 5.2029% | 1,923 |
| Cash dividends to net income (ytd only)* | 29.2157% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8439% | 961 |
| Loan loss allowance to noncurrent loans | 33.3447% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 6.9019% | 773 |
| Noncurrent loans to loans | 8.5288% | 580 |
| Net loans and leases to total assets | 76.6525% | 1,357 |
| Net loans and leases to deposits | 90.7206% | 1,738 |
| Net loans and leases to core deposits | 117.4770% | 784 |
| Total domestic deposits to total assets | 84.4930% | 3,875 |
| Equity capital to assets | 11.2548% | 2,632 |
| Core capital (leverage) ratio | 10.6838% | 2,473 |
| Tier 1 risk-based capital ratio | 13.0614% | 4,389 |
| Total risk-based capital ratio | 14.3300% | 4,329 |
| Memoranda: | ||
| Average total assets | $221,885,330 | 2,913 |
| Average earning assets | $206,185,000 | 2,855 |
| Average equity | $24,434,330 | 2,646 |
| Average total loans | $176,552,330 | 2,459 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7239% | 1,690 |
| Cost of funding earning assets | 1.0050% | 6,349 |
| Net interest margin | 4.7189% | 748 |
| Noninterest income to average assets | 0.4688% | 4,307 |
| Noninterest expense to average assets | 3.2223% | 2,779 |
| Loan and lease loss provision to assets | 0.5367% | 2,356 |
| Net operating income to assets | 0.6530% | 3,647 |
| Return on assets (ROA) | 0.6530% | 3,768 |
| Pretax return on assets | 1.0950% | 2,746 |
| Return on Equity (ROE) | 5.9948% | 3,888 |
| Retained earnings to average equity (ytd only) | 4.7630% | 3,289 |
| Net charge-offs to loans | -0.7681% | 7,837 |
| Credit loss provision to net charge-offs | -87.4636% | 6,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3841% | 5,036 |
| Assets per employee ($millions) | 5.1372% | 2,043 |
| Cash dividends to net income (ytd only)* | 20.5479% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6978% | 1,088 |
| Loan loss allowance to noncurrent loans | 132.9997% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 1.7586% | 3,845 |
| Noncurrent loans to loans | 2.0285% | 3,749 |
| Net loans and leases to total assets | 76.3343% | 1,474 |
| Net loans and leases to deposits | 90.3565% | 1,851 |
| Net loans and leases to core deposits | 131.2503% | 457 |
| Total domestic deposits to total assets | 84.4812% | 3,905 |
| Equity capital to assets | 10.8350% | 2,921 |
| Core capital (leverage) ratio | 10.7542% | 2,414 |
| Tier 1 risk-based capital ratio | 13.0121% | 4,324 |
| Total risk-based capital ratio | 14.2787% | 4,286 |
| Memoranda: | ||
| Average total assets | $223,568,000 | 2,946 |
| Average earning assets | $207,759,000 | 2,904 |
| Average equity | $24,354,500 | 2,685 |
| Average total loans | $178,626,500 | 2,498 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1757% | 1,305 |
| Cost of funding earning assets | 1.3571% | 6,108 |
| Net interest margin | 4.8186% | 667 |
| Noninterest income to average assets | 1.4788% | 656 |
| Noninterest expense to average assets | 3.7077% | 1,896 |
| Loan and lease loss provision to assets | 1.7358% | 1,313 |
| Net operating income to assets | 0.2468% | 4,732 |
| Return on assets (ROA) | 0.2468% | 4,811 |
| Pretax return on assets | 0.4828% | 4,239 |
| Return on Equity (ROE) | 2.2795% | 4,797 |
| Retained earnings to average equity (ytd only) | 1.1744% | 4,221 |
| Net charge-offs to loans | 1.4811% | 1,691 |
| Credit loss provision to net charge-offs | 137.4954% | 3,579 |
| Earnings coverage of net charge-offs (x) | 1.7573% | 4,411 |
| Efficiency ratio | 62.5633% | 6,045 |
| Assets per employee ($millions) | 5.0250% | 2,184 |
| Cash dividends to net income (ytd only)* | 48.4791% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3015% | 1,481 |
| Loan loss allowance to noncurrent loans | 175.0211% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 1.2411% | 4,611 |
| Noncurrent loans to loans | 1.3150% | 4,726 |
| Net loans and leases to total assets | 79.5047% | 1,089 |
| Net loans and leases to deposits | 93.3027% | 1,692 |
| Net loans and leases to core deposits | 149.2397% | 528 |
| Total domestic deposits to total assets | 85.2117% | 3,452 |
| Equity capital to assets | 10.9534% | 2,739 |
| Core capital (leverage) ratio | 10.5215% | 2,586 |
| Tier 1 risk-based capital ratio | 12.2869% | 4,701 |
| Total risk-based capital ratio | 13.5481% | 4,647 |
| Memoranda: | ||
| Average total assets | $213,152,600 | 3,030 |
| Average earning assets | $196,737,600 | 3,015 |
| Average equity | $23,075,000 | 2,820 |
| Average total loans | $181,684,400 | 2,493 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1648% | 1,460 |
| Cost of funding earning assets | 1.4535% | 6,023 |
| Net interest margin | 4.7113% | 812 |
| Noninterest income to average assets | 0.9780% | 1,677 |
| Noninterest expense to average assets | 3.4910% | 2,308 |
| Loan and lease loss provision to assets | 0.6314% | 2,866 |
| Net operating income to assets | 0.6705% | 3,314 |
| Return on assets (ROA) | 0.6705% | 3,373 |
| Pretax return on assets | 1.1965% | 2,274 |
| Return on Equity (ROE) | 6.2133% | 3,437 |
| Retained earnings to average equity (ytd only) | 5.1602% | 2,398 |
| Net charge-offs to loans | 0.0813% | 5,866 |
| Credit loss provision to net charge-offs | 900.9009% | 416 |
| Earnings coverage of net charge-offs (x) | 26.0804% | 1,030 |
| Efficiency ratio | 65.6339% | 5,436 |
| Assets per employee ($millions) | 4.9416% | 2,214 |
| Cash dividends to net income (ytd only)* | 16.9489% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1883% | 1,442 |
| Loan loss allowance to noncurrent loans | 126.9656% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 1.8001% | 3,661 |
| Noncurrent loans to loans | 1.7235% | 4,050 |
| Net loans and leases to total assets | 82.6606% | 719 |
| Net loans and leases to deposits | 97.6284% | 1,368 |
| Net loans and leases to core deposits | 150.0192% | 576 |
| Total domestic deposits to total assets | 84.6686% | 3,395 |
| Equity capital to assets | 11.4064% | 2,668 |
| Core capital (leverage) ratio | 11.4741% | 2,090 |
| Tier 1 risk-based capital ratio | 12.8816% | 4,277 |
| Total risk-based capital ratio | 14.1430% | 4,203 |
| Memoranda: | ||
| Average total assets | $211,165,750 | 3,073 |
| Average earning assets | $194,561,000 | 3,063 |
| Average equity | $22,789,250 | 2,878 |
| Average total loans | $182,124,000 | 2,509 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2810% | 1,256 |
| Cost of funding earning assets | 1.5494% | 5,930 |
| Net interest margin | 4.7316% | 764 |
| Noninterest income to average assets | 0.9221% | 1,884 |
| Noninterest expense to average assets | 3.6331% | 1,991 |
| Loan and lease loss provision to assets | 0.6696% | 2,428 |
| Net operating income to assets | 0.5338% | 3,969 |
| Return on assets (ROA) | 0.5338% | 4,074 |
| Pretax return on assets | 0.9575% | 3,155 |
| Return on Equity (ROE) | 5.0455% | 4,056 |
| Retained earnings to average equity (ytd only) | 4.7742% | 2,652 |
| Net charge-offs to loans | 0.3976% | 3,210 |
| Credit loss provision to net charge-offs | 193.9058% | 2,355 |
| Earnings coverage of net charge-offs (x) | 4.7119% | 3,029 |
| Efficiency ratio | 69.0671% | 4,970 |
| Assets per employee ($millions) | 4.7572% | 2,387 |
| Cash dividends to net income (ytd only)* | 5.3763% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8938% | 1,813 |
| Loan loss allowance to noncurrent loans | 336.6634% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.5556% | 6,031 |
| Noncurrent loans to loans | 0.5625% | 6,142 |
| Net loans and leases to total assets | 85.9031% | 386 |
| Net loans and leases to deposits | 104.8608% | 840 |
| Net loans and leases to core deposits | 157.1991% | 494 |
| Total domestic deposits to total assets | 81.9211% | 4,719 |
| Equity capital to assets | 11.5748% | 2,488 |
| Core capital (leverage) ratio | 11.4334% | 2,117 |
| Tier 1 risk-based capital ratio | 12.8632% | 4,235 |
| Total risk-based capital ratio | 14.1207% | 4,146 |
| Memoranda: | ||
| Average total assets | $209,077,670 | 3,115 |
| Average earning assets | $191,690,000 | 3,124 |
| Average equity | $22,118,670 | 2,956 |
| Average total loans | $181,582,000 | 2,554 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2031% | 1,594 |
| Cost of funding earning assets | 1.6842% | 5,665 |
| Net interest margin | 4.5189% | 1,086 |
| Noninterest income to average assets | 0.3829% | 5,360 |
| Noninterest expense to average assets | 3.5605% | 1,951 |
| Loan and lease loss provision to assets | 0.5168% | 2,399 |
| Net operating income to assets | 0.2603% | 5,440 |
| Return on assets (ROA) | 0.2603% | 5,607 |
| Pretax return on assets | 0.4709% | 5,171 |
| Return on Equity (ROE) | 2.5826% | 5,534 |
| Retained earnings to average equity (ytd only) | 2.0129% | 4,741 |
| Net charge-offs to loans | 0.4404% | 2,352 |
| Credit loss provision to net charge-offs | 135.6784% | 2,994 |
| Earnings coverage of net charge-offs (x) | 2.5930% | 3,459 |
| Efficiency ratio | 78.2828% | 3,120 |
| Assets per employee ($millions) | 4.1707% | 3,316 |
| Cash dividends to net income (ytd only)* | 22.0588% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7251% | 2,060 |
| Loan loss allowance to noncurrent loans | 288.5586% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.5956% | 5,692 |
| Noncurrent loans to loans | 0.5978% | 5,899 |
| Net loans and leases to total assets | 87.4998% | 301 |
| Net loans and leases to deposits | 108.4203% | 703 |
| Net loans and leases to core deposits | 150.2396% | 698 |
| Total domestic deposits to total assets | 80.7043% | 5,086 |
| Equity capital to assets | 11.4495% | 2,624 |
| Core capital (leverage) ratio | 11.0995% | 2,433 |
| Tier 1 risk-based capital ratio | 12.0526% | 4,920 |
| Total risk-based capital ratio | 13.3123% | 4,802 |
| Memoranda: | ||
| Average total assets | $208,958,500 | 3,125 |
| Average earning assets | $192,612,500 | 3,116 |
| Average equity | $21,064,000 | 3,111 |
| Average total loans | $180,733,000 | 2,588 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9033% | 1,383 |
| Cost of funding earning assets | 1.9797% | 6,473 |
| Net interest margin | 4.9235% | 609 |
| Noninterest income to average assets | 0.8063% | 2,482 |
| Noninterest expense to average assets | 4.0249% | 1,379 |
| Loan and lease loss provision to assets | 3.1013% | 290 |
| Net operating income to assets | -1.0797% | 7,282 |
| Return on assets (ROA) | -1.0797% | 7,216 |
| Pretax return on assets | -1.8216% | 7,381 |
| Return on Equity (ROE) | -10.6655% | 7,322 |
| Retained earnings to average equity (ytd only) | -10.6655% | 7,130 |
| Net charge-offs to loans | 2.8926% | 310 |
| Credit loss provision to net charge-offs | 130.3221% | 4,082 |
| Earnings coverage of net charge-offs (x) | 0.5377% | 5,910 |
| Efficiency ratio | 75.8767% | 3,251 |
| Assets per employee ($millions) | 4.1877% | 3,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7816% | 1,673 |
| Loan loss allowance to noncurrent loans | 635.2941% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.2985% | 6,400 |
| Noncurrent loans to loans | 0.2804% | 6,533 |
| Net loans and leases to total assets | 82.4633% | 1,141 |
| Net loans and leases to deposits | 98.0951% | 2,112 |
| Net loans and leases to core deposits | 117.9930% | 2,882 |
| Total domestic deposits to total assets | 84.0647% | 3,297 |
| Equity capital to assets | 8.7170% | 5,783 |
| Core capital (leverage) ratio | 8.6754% | 5,242 |
| Tier 1 risk-based capital ratio | 9.6003% | 7,211 |
| Total risk-based capital ratio | 10.8606% | 7,088 |
| Memoranda: | ||
| Average total assets | $186,537,600 | 3,316 |
| Average earning assets | $170,426,600 | 3,329 |
| Average equity | $18,883,400 | 3,417 |
| Average total loans | $153,460,600 | 2,864 |