Home > Valley Green Bank > Performance and Condition Ratios
Valley Green 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 | 5.5303% | 300 |
| Cost of funding earning assets | 0.5572% | 2,153 |
| Net interest margin | 4.9731% | 318 |
| Noninterest income to average assets | 0.1538% | 5,926 |
| Noninterest expense to average assets | 2.8255% | 3,397 |
| Loan and lease loss provision to assets | 0.1963% | 1,301 |
| Net operating income to assets | 1.1536% | 1,756 |
| Return on assets (ROA) | 1.1536% | 1,827 |
| Pretax return on assets | 1.9645% | 547 |
| Return on Equity (ROE) | 13.1071% | 1,113 |
| Retained earnings to average equity (ytd only) | 13.1071% | 219 |
| Net charge-offs to loans | 0.2554% | 1,677 |
| Credit loss provision to net charge-offs | 86.0491% | 2,738 |
| Earnings coverage of net charge-offs (x) | 9.4699% | 2,742 |
| Efficiency ratio | 56.6650% | 5,603 |
| Assets per employee ($millions) | 8.3248% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7048% | 5,983 |
| Loan loss allowance to noncurrent loans | 223.5826% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 4,819 |
| Noncurrent loans to loans | 0.3152% | 4,714 |
| Net loans and leases to total assets | 90.2927% | 61 |
| Net loans and leases to deposits | 99.5138% | 654 |
| Net loans and leases to core deposits | 155.8770% | 93 |
| Total domestic deposits to total assets | 90.7339% | 449 |
| Equity capital to assets | 8.7437% | 5,540 |
| Core capital (leverage) ratio | 8.8014% | 5,244 |
| Tier 1 risk-based capital ratio | 10.4971% | 6,103 |
| Total risk-based capital ratio | 11.2635% | 6,202 |
| Memoranda: | ||
| Average total assets | $392,668,200 | 1,668 |
| Average earning assets | $381,574,000 | 1,591 |
| Average equity | $34,561,400 | 2,018 |
| Average total loans | $350,821,200 | 1,258 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5140% | 313 |
| Cost of funding earning assets | 0.5539% | 2,252 |
| Net interest margin | 4.9601% | 322 |
| Noninterest income to average assets | 0.1539% | 5,995 |
| Noninterest expense to average assets | 2.6483% | 4,020 |
| Loan and lease loss provision to assets | 0.2083% | 1,117 |
| Net operating income to assets | 1.3323% | 1,286 |
| Return on assets (ROA) | 1.3323% | 1,344 |
| Pretax return on assets | 2.1138% | 441 |
| Return on Equity (ROE) | 15.1093% | 806 |
| Retained earnings to average equity (ytd only) | 15.1093% | 200 |
| Net charge-offs to loans | 0.3454% | 1,165 |
| Credit loss provision to net charge-offs | 67.8330% | 2,806 |
| Earnings coverage of net charge-offs (x) | 7.5621% | 2,913 |
| Efficiency ratio | 53.2808% | 5,895 |
| Assets per employee ($millions) | 8.2673% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6981% | 6,106 |
| Loan loss allowance to noncurrent loans | 150.2053% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.4222% | 4,652 |
| Noncurrent loans to loans | 0.4648% | 4,513 |
| Net loans and leases to total assets | 86.3993% | 174 |
| Net loans and leases to deposits | 94.9651% | 965 |
| Net loans and leases to core deposits | 148.3545% | 108 |
| Total domestic deposits to total assets | 90.9801% | 369 |
| Equity capital to assets | 8.5920% | 5,729 |
| Core capital (leverage) ratio | 9.0866% | 4,951 |
| Tier 1 risk-based capital ratio | 10.8168% | 6,087 |
| Total risk-based capital ratio | 11.5771% | 6,225 |
| Memoranda: | ||
| Average total assets | $384,693,500 | 1,713 |
| Average earning assets | $373,562,000 | 1,630 |
| Average equity | $33,921,000 | 2,053 |
| Average total loans | $342,008,000 | 1,287 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5704% | 274 |
| Cost of funding earning assets | 0.5501% | 2,350 |
| Net interest margin | 5.0203% | 275 |
| Noninterest income to average assets | 0.1558% | 6,012 |
| Noninterest expense to average assets | 2.5431% | 4,445 |
| Loan and lease loss provision to assets | 0.2675% | 779 |
| Net operating income to assets | 1.4034% | 1,057 |
| Return on assets (ROA) | 1.4034% | 1,096 |
| Pretax return on assets | 2.2128% | 353 |
| Return on Equity (ROE) | 15.7636% | 678 |
| Retained earnings to average equity (ytd only) | 15.7636% | 182 |
| Net charge-offs to loans | 0.5316% | 771 |
| Credit loss provision to net charge-offs | 56.1443% | 2,698 |
| Earnings coverage of net charge-offs (x) | 5.2063% | 2,966 |
| Efficiency ratio | 50.6255% | 6,144 |
| Assets per employee ($millions) | 7.4916% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7048% | 6,165 |
| Loan loss allowance to noncurrent loans | 315.0000% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 5,067 |
| Noncurrent loans to loans | 0.2237% | 5,332 |
| Net loans and leases to total assets | 88.8580% | 76 |
| Net loans and leases to deposits | 97.9968% | 667 |
| Net loans and leases to core deposits | 136.0226% | 170 |
| Total domestic deposits to total assets | 90.6744% | 514 |
| Equity capital to assets | 8.9734% | 5,322 |
| Core capital (leverage) ratio | 9.3101% | 4,573 |
| Tier 1 risk-based capital ratio | 11.0814% | 6,017 |
| Total risk-based capital ratio | 11.8549% | 6,161 |
| Memoranda: | ||
| Average total assets | $372,380,000 | 1,763 |
| Average earning assets | $361,051,670 | 1,672 |
| Average equity | $33,152,330 | 2,087 |
| Average total loans | $333,727,330 | 1,310 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5939% | 256 |
| Cost of funding earning assets | 0.5377% | 2,526 |
| Net interest margin | 5.0562% | 239 |
| Noninterest income to average assets | 0.1671% | 5,979 |
| Noninterest expense to average assets | 2.6807% | 4,000 |
| Loan and lease loss provision to assets | 0.0385% | 3,301 |
| Net operating income to assets | 1.5503% | 732 |
| Return on assets (ROA) | 1.5503% | 764 |
| Pretax return on assets | 2.3486% | 286 |
| Return on Equity (ROE) | 17.4884% | 487 |
| Retained earnings to average equity (ytd only) | 17.4884% | 198 |
| Net charge-offs to loans | 0.0343% | 2,915 |
| Credit loss provision to net charge-offs | 125.0000% | 1,406 |
| Earnings coverage of net charge-offs (x) | 77.5357% | 555 |
| Efficiency ratio | 52.8965% | 6,087 |
| Assets per employee ($millions) | 7.1204% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 5,955 |
| Loan loss allowance to noncurrent loans | 456.4800% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 5,213 |
| Noncurrent loans to loans | 0.1899% | 5,525 |
| Net loans and leases to total assets | 88.1346% | 80 |
| Net loans and leases to deposits | 97.4175% | 577 |
| Net loans and leases to core deposits | 144.8679% | 110 |
| Total domestic deposits to total assets | 90.4710% | 816 |
| Equity capital to assets | 8.9820% | 5,136 |
| Core capital (leverage) ratio | 9.3355% | 4,519 |
| Tier 1 risk-based capital ratio | 11.1326% | 6,107 |
| Total risk-based capital ratio | 12.0770% | 6,180 |
| Memoranda: | ||
| Average total assets | $363,789,000 | 1,805 |
| Average earning assets | $352,599,000 | 1,717 |
| Average equity | $32,250,000 | 2,138 |
| Average total loans | $326,284,000 | 1,333 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6880% | 272 |
| Cost of funding earning assets | 0.5864% | 2,782 |
| Net interest margin | 5.1016% | 261 |
| Noninterest income to average assets | 0.2318% | 5,686 |
| Noninterest expense to average assets | 2.7743% | 3,817 |
| Loan and lease loss provision to assets | 0.2172% | 1,680 |
| Net operating income to assets | 1.4303% | 967 |
| Return on assets (ROA) | 1.4321% | 996 |
| Pretax return on assets | 2.1774% | 325 |
| Return on Equity (ROE) | 15.7865% | 646 |
| Retained earnings to average equity (ytd only) | 15.6601% | 154 |
| Net charge-offs to loans | 0.0617% | 4,346 |
| Credit loss provision to net charge-offs | 400.5714% | 565 |
| Earnings coverage of net charge-offs (x) | 44.1029% | 875 |
| Efficiency ratio | 53.7013% | 6,166 |
| Assets per employee ($millions) | 7.0062% | 767 |
| Cash dividends to net income (ytd only)* | 0.8007% | 4,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 5,982 |
| Loan loss allowance to noncurrent loans | 752.9101% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 5,486 |
| Noncurrent loans to loans | 0.1169% | 5,854 |
| Net loans and leases to total assets | 89.7077% | 45 |
| Net loans and leases to deposits | 98.6389% | 558 |
| Net loans and leases to core deposits | 152.0975% | 90 |
| Total domestic deposits to total assets | 90.9456% | 594 |
| Equity capital to assets | 8.7438% | 5,317 |
| Core capital (leverage) ratio | 8.9788% | 5,039 |
| Tier 1 risk-based capital ratio | 10.8281% | 6,250 |
| Total risk-based capital ratio | 11.7976% | 6,310 |
| Memoranda: | ||
| Average total assets | $322,672,200 | 1,993 |
| Average earning assets | $312,097,400 | 1,900 |
| Average equity | $29,271,800 | 2,293 |
| Average total loans | $283,665,200 | 1,491 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6772% | 285 |
| Cost of funding earning assets | 0.5925% | 2,875 |
| Net interest margin | 5.0847% | 268 |
| Noninterest income to average assets | 0.2692% | 5,528 |
| Noninterest expense to average assets | 2.7795% | 3,731 |
| Loan and lease loss provision to assets | 0.3240% | 1,025 |
| Net operating income to assets | 1.3668% | 1,178 |
| Return on assets (ROA) | 1.3693% | 1,223 |
| Pretax return on assets | 2.0852% | 486 |
| Return on Equity (ROE) | 14.9411% | 806 |
| Retained earnings to average equity (ytd only) | 14.7697% | 215 |
| Net charge-offs to loans | 0.0697% | 3,933 |
| Credit loss provision to net charge-offs | 533.5664% | 528 |
| Earnings coverage of net charge-offs (x) | 39.6158% | 1,009 |
| Efficiency ratio | 53.6074% | 6,134 |
| Assets per employee ($millions) | 6.7911% | 822 |
| Cash dividends to net income (ytd only)* | 1.1472% | 3,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 5,870 |
| Loan loss allowance to noncurrent loans | 773.6842% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.3104% | 5,485 |
| Noncurrent loans to loans | 0.1245% | 5,953 |
| Net loans and leases to total assets | 87.2705% | 104 |
| Net loans and leases to deposits | 96.0006% | 684 |
| Net loans and leases to core deposits | 149.9926% | 92 |
| Total domestic deposits to total assets | 90.9062% | 574 |
| Equity capital to assets | 8.6244% | 5,599 |
| Core capital (leverage) ratio | 9.2571% | 4,743 |
| Tier 1 risk-based capital ratio | 10.9207% | 6,312 |
| Total risk-based capital ratio | 11.9785% | 6,354 |
| Memoranda: | ||
| Average total assets | $314,011,000 | 2,060 |
| Average earning assets | $303,571,500 | 1,962 |
| Average equity | $28,779,000 | 2,346 |
| Average total loans | $273,734,750 | 1,545 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7194% | 268 |
| Cost of funding earning assets | 0.6043% | 2,899 |
| Net interest margin | 5.1150% | 249 |
| Noninterest income to average assets | 0.2025% | 5,997 |
| Noninterest expense to average assets | 2.8321% | 3,567 |
| Loan and lease loss provision to assets | 0.3041% | 1,181 |
| Net operating income to assets | 1.3225% | 1,264 |
| Return on assets (ROA) | 1.3264% | 1,335 |
| Pretax return on assets | 2.0182% | 584 |
| Return on Equity (ROE) | 14.1543% | 976 |
| Retained earnings to average equity (ytd only) | 13.9713% | 299 |
| Net charge-offs to loans | 0.0745% | 3,649 |
| Credit loss provision to net charge-offs | 470.4082% | 585 |
| Earnings coverage of net charge-offs (x) | 35.8367% | 1,011 |
| Efficiency ratio | 55.0090% | 6,061 |
| Assets per employee ($millions) | 5.8756% | 1,291 |
| Cash dividends to net income (ytd only)* | 1.2929% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 5,966 |
| Loan loss allowance to noncurrent loans | 276.5979% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.4611% | 5,119 |
| Noncurrent loans to loans | 0.3459% | 5,426 |
| Net loans and leases to total assets | 89.2038% | 58 |
| Net loans and leases to deposits | 99.2965% | 466 |
| Net loans and leases to core deposits | 136.5956% | 151 |
| Total domestic deposits to total assets | 89.8357% | 1,132 |
| Equity capital to assets | 9.7031% | 4,304 |
| Core capital (leverage) ratio | 10.1015% | 3,367 |
| Tier 1 risk-based capital ratio | 12.0522% | 5,767 |
| Total risk-based capital ratio | 13.1081% | 5,830 |
| Memoranda: | ||
| Average total assets | $303,233,330 | 2,142 |
| Average earning assets | $293,213,670 | 2,026 |
| Average equity | $28,415,330 | 2,393 |
| Average total loans | $263,247,670 | 1,588 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6202% | 305 |
| Cost of funding earning assets | 0.6206% | 2,919 |
| Net interest margin | 4.9995% | 295 |
| Noninterest income to average assets | 0.2059% | 6,006 |
| Noninterest expense to average assets | 2.8147% | 3,642 |
| Loan and lease loss provision to assets | 0.3222% | 1,044 |
| Net operating income to assets | 1.2636% | 1,365 |
| Return on assets (ROA) | 1.2636% | 1,469 |
| Pretax return on assets | 1.9161% | 712 |
| Return on Equity (ROE) | 13.7380% | 1,010 |
| Retained earnings to average equity (ytd only) | 13.5490% | 491 |
| Net charge-offs to loans | 0.1555% | 2,466 |
| Credit loss provision to net charge-offs | 243.4343% | 941 |
| Earnings coverage of net charge-offs (x) | 16.9091% | 1,345 |
| Efficiency ratio | 55.7026% | 6,090 |
| Assets per employee ($millions) | 7.9601% | 497 |
| Cash dividends to net income (ytd only)* | 1.3757% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9432% | 6,154 |
| Loan loss allowance to noncurrent loans | 219.0391% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 5,367 |
| Noncurrent loans to loans | 0.4306% | 5,345 |
| Net loans and leases to total assets | 85.4841% | 139 |
| Net loans and leases to deposits | 95.1991% | 588 |
| Net loans and leases to core deposits | 135.0557% | 147 |
| Total domestic deposits to total assets | 89.7951% | 1,169 |
| Equity capital to assets | 9.7341% | 4,515 |
| Core capital (leverage) ratio | 9.8983% | 3,533 |
| Tier 1 risk-based capital ratio | 12.4669% | 5,600 |
| Total risk-based capital ratio | 13.5095% | 5,703 |
| Memoranda: | ||
| Average total assets | $299,147,500 | 2,197 |
| Average earning assets | $290,027,000 | 2,078 |
| Average equity | $27,515,000 | 2,483 |
| Average total loans | $254,637,500 | 1,641 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7486% | 398 |
| Cost of funding earning assets | 0.7137% | 3,375 |
| Net interest margin | 5.0349% | 367 |
| Noninterest income to average assets | 0.2435% | 5,709 |
| Noninterest expense to average assets | 2.8681% | 3,772 |
| Loan and lease loss provision to assets | 0.5915% | 934 |
| Net operating income to assets | 1.1644% | 1,714 |
| Return on assets (ROA) | 1.1644% | 1,878 |
| Pretax return on assets | 1.6561% | 1,246 |
| Return on Equity (ROE) | 12.6176% | 1,326 |
| Retained earnings to average equity (ytd only) | 12.4078% | 294 |
| Net charge-offs to loans | 0.4592% | 2,399 |
| Credit loss provision to net charge-offs | 151.2871% | 1,801 |
| Earnings coverage of net charge-offs (x) | 5.7485% | 2,963 |
| Efficiency ratio | 56.0651% | 6,051 |
| Assets per employee ($millions) | 7.2149% | 703 |
| Cash dividends to net income (ytd only)* | 1.6622% | 4,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 6,182 |
| Loan loss allowance to noncurrent loans | 229.2490% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 5,534 |
| Noncurrent loans to loans | 0.4077% | 5,466 |
| Net loans and leases to total assets | 83.1332% | 261 |
| Net loans and leases to deposits | 91.4224% | 956 |
| Net loans and leases to core deposits | 128.5738% | 197 |
| Total domestic deposits to total assets | 90.9331% | 524 |
| Equity capital to assets | 8.6494% | 5,907 |
| Core capital (leverage) ratio | 9.0013% | 4,896 |
| Tier 1 risk-based capital ratio | 11.2856% | 6,220 |
| Total risk-based capital ratio | 12.3105% | 6,292 |
| Memoranda: | ||
| Average total assets | $258,322,000 | 2,454 |
| Average earning assets | $249,976,000 | 2,326 |
| Average equity | $23,839,800 | 2,762 |
| Average total loans | $219,935,200 | 1,836 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7806% | 409 |
| Cost of funding earning assets | 0.7276% | 3,540 |
| Net interest margin | 5.0529% | 370 |
| Noninterest income to average assets | 0.2383% | 5,846 |
| Noninterest expense to average assets | 2.9510% | 3,404 |
| Loan and lease loss provision to assets | 0.5624% | 1,020 |
| Net operating income to assets | 1.1677% | 1,839 |
| Return on assets (ROA) | 1.1681% | 2,031 |
| Pretax return on assets | 1.6239% | 1,497 |
| Return on Equity (ROE) | 12.4253% | 1,489 |
| Retained earnings to average equity (ytd only) | 12.2088% | 499 |
| Net charge-offs to loans | 0.4103% | 2,457 |
| Credit loss provision to net charge-offs | 160.3053% | 1,742 |
| Earnings coverage of net charge-offs (x) | 6.2305% | 2,830 |
| Efficiency ratio | 57.4497% | 5,863 |
| Assets per employee ($millions) | 6.9936% | 745 |
| Cash dividends to net income (ytd only)* | 1.7425% | 3,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 6,232 |
| Loan loss allowance to noncurrent loans | 137.0555% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.6170% | 5,129 |
| Noncurrent loans to loans | 0.6961% | 5,043 |
| Net loans and leases to total assets | 81.5305% | 383 |
| Net loans and leases to deposits | 89.9615% | 1,150 |
| Net loans and leases to core deposits | 125.8199% | 231 |
| Total domestic deposits to total assets | 90.6282% | 547 |
| Equity capital to assets | 8.8235% | 5,998 |
| Core capital (leverage) ratio | 9.5154% | 4,242 |
| Tier 1 risk-based capital ratio | 11.5712% | 6,186 |
| Total risk-based capital ratio | 12.6038% | 6,287 |
| Memoranda: | ||
| Average total assets | $248,949,500 | 2,565 |
| Average earning assets | $241,331,500 | 2,432 |
| Average equity | $23,403,250 | 2,832 |
| Average total loans | $212,859,500 | 1,930 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9070% | 339 |
| Cost of funding earning assets | 0.7519% | 3,592 |
| Net interest margin | 5.1551% | 315 |
| Noninterest income to average assets | 0.2371% | 5,870 |
| Noninterest expense to average assets | 3.0651% | 3,034 |
| Loan and lease loss provision to assets | 0.7382% | 709 |
| Net operating income to assets | 1.0912% | 2,072 |
| Return on assets (ROA) | 1.0918% | 2,298 |
| Pretax return on assets | 1.4211% | 2,128 |
| Return on Equity (ROE) | 11.3419% | 1,862 |
| Retained earnings to average equity (ytd only) | 11.1330% | 725 |
| Net charge-offs to loans | 0.6279% | 1,749 |
| Credit loss provision to net charge-offs | 135.5385% | 2,032 |
| Earnings coverage of net charge-offs (x) | 3.9631% | 3,219 |
| Efficiency ratio | 58.6782% | 5,771 |
| Assets per employee ($millions) | 6.4562% | 986 |
| Cash dividends to net income (ytd only)* | 1.8419% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9398% | 6,356 |
| Loan loss allowance to noncurrent loans | 113.4487% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.7276% | 4,977 |
| Noncurrent loans to loans | 0.8284% | 4,862 |
| Net loans and leases to total assets | 85.1070% | 176 |
| Net loans and leases to deposits | 94.3739% | 738 |
| Net loans and leases to core deposits | 122.8050% | 270 |
| Total domestic deposits to total assets | 90.1807% | 823 |
| Equity capital to assets | 9.4023% | 5,192 |
| Core capital (leverage) ratio | 9.7008% | 3,830 |
| Tier 1 risk-based capital ratio | 11.5797% | 6,179 |
| Total risk-based capital ratio | 12.5732% | 6,304 |
| Memoranda: | ||
| Average total assets | $238,685,330 | 2,674 |
| Average earning assets | $230,879,000 | 2,517 |
| Average equity | $22,976,670 | 2,855 |
| Average total loans | $207,055,330 | 1,963 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9480% | 330 |
| Cost of funding earning assets | 0.7666% | 3,727 |
| Net interest margin | 5.1813% | 303 |
| Noninterest income to average assets | 0.2223% | 6,026 |
| Noninterest expense to average assets | 3.0672% | 3,033 |
| Loan and lease loss provision to assets | 0.7530% | 674 |
| Net operating income to assets | 1.0511% | 2,281 |
| Return on assets (ROA) | 1.0511% | 2,472 |
| Pretax return on assets | 1.4216% | 2,115 |
| Return on Equity (ROE) | 10.7831% | 2,114 |
| Retained earnings to average equity (ytd only) | 10.5710% | 1,149 |
| Net charge-offs to loans | -0.0020% | 5,722 |
| Credit loss provision to net charge-offs | -43,700.0000% | 6,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5141% | 5,849 |
| Assets per employee ($millions) | 6.3422% | 1,062 |
| Cash dividends to net income (ytd only)* | 1.9672% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 5,987 |
| Loan loss allowance to noncurrent loans | 95.1976% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.9929% | 4,513 |
| Noncurrent loans to loans | 1.1290% | 4,449 |
| Net loans and leases to total assets | 85.5479% | 135 |
| Net loans and leases to deposits | 94.9751% | 602 |
| Net loans and leases to core deposits | 120.8354% | 298 |
| Total domestic deposits to total assets | 90.0740% | 1,043 |
| Equity capital to assets | 9.5256% | 4,763 |
| Core capital (leverage) ratio | 9.9448% | 3,434 |
| Tier 1 risk-based capital ratio | 11.6883% | 6,169 |
| Total risk-based capital ratio | 12.8282% | 6,216 |
| Memoranda: | ||
| Average total assets | $232,133,000 | 2,748 |
| Average earning assets | $224,883,500 | 2,602 |
| Average equity | $22,628,000 | 2,895 |
| Average total loans | $202,421,000 | 2,014 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7889% | 659 |
| Cost of funding earning assets | 0.8817% | 4,245 |
| Net interest margin | 4.9072% | 498 |
| Noninterest income to average assets | 0.1992% | 6,078 |
| Noninterest expense to average assets | 3.5740% | 1,794 |
| Loan and lease loss provision to assets | 0.4650% | 2,278 |
| Net operating income to assets | 0.8745% | 2,720 |
| Return on assets (ROA) | 0.8745% | 2,857 |
| Pretax return on assets | 0.8745% | 3,693 |
| Return on Equity (ROE) | 9.3930% | 2,287 |
| Retained earnings to average equity (ytd only) | 9.2836% | 729 |
| Net charge-offs to loans | 0.4430% | 3,219 |
| Credit loss provision to net charge-offs | 123.2119% | 2,559 |
| Earnings coverage of net charge-offs (x) | 3.5493% | 3,476 |
| Efficiency ratio | 72.7376% | 3,444 |
| Assets per employee ($millions) | 5.8753% | 1,319 |
| Cash dividends to net income (ytd only)* | 1.1648% | 4,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 6,495 |
| Loan loss allowance to noncurrent loans | 142.3381% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.7493% | 5,148 |
| Noncurrent loans to loans | 0.6445% | 5,417 |
| Net loans and leases to total assets | 87.1739% | 101 |
| Net loans and leases to deposits | 97.1857% | 614 |
| Net loans and leases to core deposits | 128.3210% | 255 |
| Total domestic deposits to total assets | 89.6982% | 1,159 |
| Equity capital to assets | 9.9878% | 4,183 |
| Core capital (leverage) ratio | 10.0955% | 3,230 |
| Tier 1 risk-based capital ratio | 12.2031% | 5,688 |
| Total risk-based capital ratio | 13.1881% | 5,845 |
| Memoranda: | ||
| Average total assets | $196,332,600 | 3,097 |
| Average earning assets | $188,620,000 | 2,982 |
| Average equity | $18,279,600 | 3,390 |
| Average total loans | $167,273,800 | 2,395 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7336% | 800 |
| Cost of funding earning assets | 0.8810% | 4,540 |
| Net interest margin | 4.8526% | 567 |
| Noninterest income to average assets | 0.2567% | 5,790 |
| Noninterest expense to average assets | 3.6539% | 1,591 |
| Loan and lease loss provision to assets | 0.4676% | 2,113 |
| Net operating income to assets | 0.7869% | 3,226 |
| Return on assets (ROA) | 0.7869% | 3,390 |
| Pretax return on assets | 0.7869% | 4,180 |
| Return on Equity (ROE) | 8.6367% | 2,766 |
| Retained earnings to average equity (ytd only) | 8.6367% | 1,266 |
| Net charge-offs to loans | 0.4284% | 3,003 |
| Credit loss provision to net charge-offs | 129.3774% | 2,455 |
| Earnings coverage of net charge-offs (x) | 3.4708% | 3,428 |
| Efficiency ratio | 74.4413% | 3,096 |
| Assets per employee ($millions) | 5.7153% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 6,299 |
| Loan loss allowance to noncurrent loans | 142.9374% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 1.0167% | 4,725 |
| Noncurrent loans to loans | 0.6959% | 5,495 |
| Net loans and leases to total assets | 81.6249% | 386 |
| Net loans and leases to deposits | 91.1055% | 1,100 |
| Net loans and leases to core deposits | 119.0095% | 417 |
| Total domestic deposits to total assets | 89.5939% | 1,095 |
| Equity capital to assets | 9.9880% | 4,359 |
| Core capital (leverage) ratio | 10.1514% | 3,244 |
| Tier 1 risk-based capital ratio | 12.3277% | 5,641 |
| Total risk-based capital ratio | 13.3638% | 5,801 |
| Memoranda: | ||
| Average total assets | $189,600,000 | 3,207 |
| Average earning assets | $181,754,500 | 3,085 |
| Average equity | $17,274,750 | 3,540 |
| Average total loans | $159,985,000 | 2,512 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7385% | 817 |
| Cost of funding earning assets | 0.8719% | 4,888 |
| Net interest margin | 4.8666% | 528 |
| Noninterest income to average assets | 0.2550% | 5,824 |
| Noninterest expense to average assets | 3.7826% | 1,374 |
| Loan and lease loss provision to assets | 0.4756% | 2,084 |
| Net operating income to assets | 0.6563% | 3,767 |
| Return on assets (ROA) | 0.6563% | 3,892 |
| Pretax return on assets | 0.6563% | 4,549 |
| Return on Equity (ROE) | 7.4926% | 3,194 |
| Retained earnings to average equity (ytd only) | 7.4926% | 1,661 |
| Net charge-offs to loans | 0.6288% | 2,262 |
| Credit loss provision to net charge-offs | 88.8199% | 3,492 |
| Earnings coverage of net charge-offs (x) | 2.1139% | 3,790 |
| Efficiency ratio | 76.9682% | 2,869 |
| Assets per employee ($millions) | 5.0554% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9387% | 6,551 |
| Loan loss allowance to noncurrent loans | 179.9087% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 1.1224% | 4,652 |
| Noncurrent loans to loans | 0.5218% | 5,861 |
| Net loans and leases to total assets | 84.3548% | 224 |
| Net loans and leases to deposits | 92.2649% | 1,024 |
| Net loans and leases to core deposits | 118.1778% | 466 |
| Total domestic deposits to total assets | 91.4268% | 361 |
| Equity capital to assets | 8.1720% | 6,538 |
| Core capital (leverage) ratio | 9.0935% | 4,579 |
| Tier 1 risk-based capital ratio | 9.9210% | 7,003 |
| Total risk-based capital ratio | 10.9116% | 7,076 |
| Memoranda: | ||
| Average total assets | $180,406,670 | 3,359 |
| Average earning assets | $172,728,000 | 3,228 |
| Average equity | $15,802,330 | 3,767 |
| Average total loans | $153,628,670 | 2,632 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7553% | 797 |
| Cost of funding earning assets | 0.9322% | 4,705 |
| Net interest margin | 4.8231% | 546 |
| Noninterest income to average assets | 0.2999% | 5,521 |
| Noninterest expense to average assets | 3.8668% | 1,225 |
| Loan and lease loss provision to assets | 0.3604% | 2,395 |
| Net operating income to assets | 0.7045% | 3,501 |
| Return on assets (ROA) | 0.7045% | 3,570 |
| Pretax return on assets | 0.7045% | 4,293 |
| Return on Equity (ROE) | 7.7456% | 3,030 |
| Retained earnings to average equity (ytd only) | 7.7456% | 1,830 |
| Net charge-offs to loans | 1.0594% | 1,291 |
| Credit loss provision to net charge-offs | 39.9485% | 3,951 |
| Earnings coverage of net charge-offs (x) | 1.1804% | 3,771 |
| Efficiency ratio | 78.4064% | 2,786 |
| Assets per employee ($millions) | 4.3525% | 3,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 6,657 |
| Loan loss allowance to noncurrent loans | 176.3889% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.9938% | 4,920 |
| Noncurrent loans to loans | 0.5189% | 5,990 |
| Net loans and leases to total assets | 89.0985% | 60 |
| Net loans and leases to deposits | 98.6286% | 539 |
| Net loans and leases to core deposits | 128.0266% | 289 |
| Total domestic deposits to total assets | 90.3374% | 940 |
| Equity capital to assets | 9.3244% | 4,685 |
| Core capital (leverage) ratio | 9.1269% | 4,400 |
| Tier 1 risk-based capital ratio | 10.6249% | 6,735 |
| Total risk-based capital ratio | 11.5825% | 6,877 |
| Memoranda: | ||
| Average total assets | $172,030,000 | 3,519 |
| Average earning assets | $165,203,500 | 3,372 |
| Average equity | $15,647,500 | 3,787 |
| Average total loans | $146,498,000 | 2,765 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6213% | 1,814 |
| Cost of funding earning assets | 1.1293% | 4,969 |
| Net interest margin | 4.4919% | 1,243 |
| Noninterest income to average assets | 0.3261% | 5,451 |
| Noninterest expense to average assets | 4.3789% | 742 |
| Loan and lease loss provision to assets | 0.5750% | 2,833 |
| Net operating income to assets | 0.2319% | 5,174 |
| Return on assets (ROA) | 0.2319% | 5,326 |
| Pretax return on assets | -0.3202% | 6,177 |
| Return on Equity (ROE) | 2.6876% | 5,093 |
| Retained earnings to average equity (ytd only) | 2.6876% | 3,976 |
| Net charge-offs to loans | 0.0265% | 6,542 |
| Credit loss provision to net charge-offs | 2,603.3333% | 90 |
| Earnings coverage of net charge-offs (x) | 11.5333% | 1,597 |
| Efficiency ratio | 94.5027% | 1,036 |
| Assets per employee ($millions) | 5.4473% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 5,683 |
| Loan loss allowance to noncurrent loans | 92.5610% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 1.4732% | 4,112 |
| Noncurrent loans to loans | 1.2547% | 4,621 |
| Net loans and leases to total assets | 79.5849% | 717 |
| Net loans and leases to deposits | 87.6831% | 1,836 |
| Net loans and leases to core deposits | 114.0070% | 730 |
| Total domestic deposits to total assets | 90.7643% | 710 |
| Equity capital to assets | 8.8732% | 5,322 |
| Core capital (leverage) ratio | 9.2250% | 4,126 |
| Tier 1 risk-based capital ratio | 11.7216% | 5,706 |
| Total risk-based capital ratio | 12.9715% | 5,715 |
| Memoranda: | ||
| Average total assets | $135,833,600 | 4,141 |
| Average earning assets | $130,255,600 | 4,011 |
| Average equity | $11,720,600 | 4,687 |
| Average total loans | $113,248,200 | 3,469 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6153% | 2,009 |
| Cost of funding earning assets | 1.1233% | 5,297 |
| Net interest margin | 4.4920% | 1,275 |
| Noninterest income to average assets | 0.3370% | 5,469 |
| Noninterest expense to average assets | 4.5023% | 591 |
| Loan and lease loss provision to assets | 0.5123% | 2,896 |
| Net operating income to assets | -0.3771% | 6,495 |
| Return on assets (ROA) | -0.3771% | 6,543 |
| Pretax return on assets | -0.3771% | 6,473 |
| Return on Equity (ROE) | -4.4139% | 6,599 |
| Retained earnings to average equity (ytd only) | -4.4139% | 6,505 |
| Net charge-offs to loans | 0.0376% | 6,188 |
| Credit loss provision to net charge-offs | 1,616.6667% | 191 |
| Earnings coverage of net charge-offs (x) | 4.2665% | 3,129 |
| Efficiency ratio | 97.0843% | 867 |
| Assets per employee ($millions) | 4.7533% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 6,236 |
| Loan loss allowance to noncurrent loans | 61.4180% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.8433% | 3,691 |
| Noncurrent loans to loans | 1.6872% | 4,109 |
| Net loans and leases to total assets | 78.8303% | 915 |
| Net loans and leases to deposits | 85.9423% | 2,358 |
| Net loans and leases to core deposits | 115.0952% | 786 |
| Total domestic deposits to total assets | 91.7247% | 250 |
| Equity capital to assets | 7.7710% | 6,956 |
| Core capital (leverage) ratio | 9.2316% | 4,312 |
| Tier 1 risk-based capital ratio | 10.5894% | 6,716 |
| Total risk-based capital ratio | 11.7142% | 6,792 |
| Memoranda: | ||
| Average total assets | $126,214,000 | 4,409 |
| Average earning assets | $120,833,250 | 4,266 |
| Average equity | $10,784,000 | 4,974 |
| Average total loans | $106,471,250 | 3,671 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7056% | 1,735 |
| Cost of funding earning assets | 1.1506% | 5,398 |
| Net interest margin | 4.5549% | 1,095 |
| Noninterest income to average assets | 0.3549% | 5,306 |
| Noninterest expense to average assets | 4.8490% | 418 |
| Loan and lease loss provision to assets | 0.5891% | 2,425 |
| Net operating income to assets | -0.7307% | 6,828 |
| Return on assets (ROA) | -0.7307% | 6,841 |
| Pretax return on assets | -0.7307% | 6,743 |
| Return on Equity (ROE) | -8.2022% | 6,900 |
| Retained earnings to average equity (ytd only) | -8.2022% | 6,826 |
| Net charge-offs to loans | 0.0606% | 5,543 |
| Credit loss provision to net charge-offs | 1,123.3333% | 338 |
| Earnings coverage of net charge-offs (x) | -2.7000% | 6,246 |
| Efficiency ratio | 103.0078% | 710 |
| Assets per employee ($millions) | 4.1271% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 6,240 |
| Loan loss allowance to noncurrent loans | 66.5918% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 2.0228% | 3,471 |
| Noncurrent loans to loans | 1.5587% | 4,379 |
| Net loans and leases to total assets | 88.3844% | 114 |
| Net loans and leases to deposits | 97.8666% | 886 |
| Net loans and leases to core deposits | 112.7172% | 993 |
| Total domestic deposits to total assets | 90.3111% | 759 |
| Equity capital to assets | 9.1723% | 5,185 |
| Core capital (leverage) ratio | 10.2139% | 2,923 |
| Tier 1 risk-based capital ratio | 11.2884% | 5,950 |
| Total risk-based capital ratio | 12.4293% | 6,055 |
| Memoranda: | ||
| Average total assets | $114,414,330 | 4,689 |
| Average earning assets | $109,331,670 | 4,575 |
| Average equity | $10,192,330 | 5,144 |
| Average total loans | $99,050,330 | 3,926 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5212% | 2,491 |
| Cost of funding earning assets | 1.2390% | 5,178 |
| Net interest margin | 4.2822% | 1,743 |
| Noninterest income to average assets | 0.3716% | 5,173 |
| Noninterest expense to average assets | 5.0310% | 357 |
| Loan and lease loss provision to assets | 0.6428% | 1,971 |
| Net operating income to assets | -1.1927% | 7,212 |
| Return on assets (ROA) | -1.1927% | 7,231 |
| Pretax return on assets | -1.1927% | 7,141 |
| Return on Equity (ROE) | -13.6291% | 7,278 |
| Retained earnings to average equity (ytd only) | -13.6291% | 7,152 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.2720% | 553 |
| Assets per employee ($millions) | 4.0462% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 6,105 |
| Loan loss allowance to noncurrent loans | 46.3232% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 2.0045% | 3,502 |
| Noncurrent loans to loans | 2.3316% | 3,349 |
| Net loans and leases to total assets | 85.0433% | 285 |
| Net loans and leases to deposits | 93.3768% | 1,424 |
| Net loans and leases to core deposits | 108.4987% | 1,380 |
| Total domestic deposits to total assets | 91.0754% | 512 |
| Equity capital to assets | 8.4179% | 6,133 |
| Core capital (leverage) ratio | 9.1934% | 4,238 |
| Tier 1 risk-based capital ratio | 10.4602% | 6,667 |
| Total risk-based capital ratio | 11.6141% | 6,747 |
| Memoranda: | ||
| Average total assets | $107,651,500 | 4,939 |
| Average earning assets | $103,311,000 | 4,772 |
| Average equity | $9,421,000 | 5,419 |
| Average total loans | $91,443,000 | 4,173 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3927% | 4,737 |
| Cost of funding earning assets | 1.6403% | 4,843 |
| Net interest margin | 3.7524% | 3,902 |
| Noninterest income to average assets | 0.3908% | 5,290 |
| Noninterest expense to average assets | 4.1309% | 1,183 |
| Loan and lease loss provision to assets | -0.2188% | 7,999 |
| Net operating income to assets | 0.0520% | 5,331 |
| Return on assets (ROA) | 0.0520% | 5,390 |
| Pretax return on assets | 0.0520% | 5,322 |
| Return on Equity (ROE) | 0.5301% | 5,380 |
| Retained earnings to average equity (ytd only) | 0.5301% | 4,612 |
| Net charge-offs to loans | 0.1536% | 5,731 |
| Credit loss provision to net charge-offs | -179.1304% | 7,394 |
| Earnings coverage of net charge-offs (x) | -1.3652% | 6,938 |
| Efficiency ratio | 104.2057% | 948 |
| Assets per employee ($millions) | 4.6368% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 6,226 |
| Loan loss allowance to noncurrent loans | 46.9050% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 1.8371% | 3,614 |
| Noncurrent loans to loans | 2.1922% | 3,396 |
| Net loans and leases to total assets | 82.9397% | 554 |
| Net loans and leases to deposits | 91.7636% | 1,926 |
| Net loans and leases to core deposits | 113.6673% | 2,536 |
| Total domestic deposits to total assets | 90.3842% | 786 |
| Equity capital to assets | 9.1217% | 4,950 |
| Core capital (leverage) ratio | 9.5693% | 3,637 |
| Tier 1 risk-based capital ratio | 11.6397% | 5,258 |
| Total risk-based capital ratio | 12.7392% | 5,365 |
| Memoranda: | ||
| Average total assets | $94,168,400 | 5,268 |
| Average earning assets | $89,676,600 | 5,132 |
| Average equity | $9,243,800 | 5,532 |
| Average total loans | $74,872,200 | 4,690 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3151% | 5,343 |
| Cost of funding earning assets | 1.6659% | 5,080 |
| Net interest margin | 3.6492% | 4,278 |
| Noninterest income to average assets | 0.3947% | 5,338 |
| Noninterest expense to average assets | 4.0805% | 1,171 |
| Loan and lease loss provision to assets | -0.3485% | 8,089 |
| Net operating income to assets | 0.1374% | 5,361 |
| Return on assets (ROA) | 0.1374% | 5,425 |
| Pretax return on assets | 0.1374% | 5,445 |
| Return on Equity (ROE) | 1.3725% | 5,378 |
| Retained earnings to average equity (ytd only) | 1.3725% | 4,550 |
| Net charge-offs to loans | 0.0277% | 6,493 |
| Credit loss provision to net charge-offs | -1,606.6667% | 7,354 |
| Earnings coverage of net charge-offs (x) | -9.7330% | 6,901 |
| Efficiency ratio | 105.4559% | 871 |
| Assets per employee ($millions) | 4.2072% | 3,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 5,279 |
| Loan loss allowance to noncurrent loans | 47.7975% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 2.0410% | 3,297 |
| Noncurrent loans to loans | 2.4538% | 3,072 |
| Net loans and leases to total assets | 82.2014% | 772 |
| Net loans and leases to deposits | 91.6257% | 2,304 |
| Net loans and leases to core deposits | 111.6863% | 3,051 |
| Total domestic deposits to total assets | 89.7144% | 885 |
| Equity capital to assets | 9.6315% | 4,580 |
| Core capital (leverage) ratio | 10.2474% | 3,018 |
| Tier 1 risk-based capital ratio | 12.4471% | 4,587 |
| Total risk-based capital ratio | 13.6971% | 4,540 |
| Memoranda: | ||
| Average total assets | $92,208,250 | 5,359 |
| Average earning assets | $87,798,250 | 5,238 |
| Average equity | $9,228,500 | 5,580 |
| Average total loans | $72,219,000 | 4,834 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2997% | 5,660 |
| Cost of funding earning assets | 1.6353% | 5,583 |
| Net interest margin | 3.6644% | 4,101 |
| Noninterest income to average assets | 0.3771% | 5,488 |
| Noninterest expense to average assets | 4.0799% | 1,216 |
| Loan and lease loss provision to assets | -0.0882% | 8,159 |
| Net operating income to assets | -0.1257% | 6,057 |
| Return on assets (ROA) | -0.1257% | 6,091 |
| Pretax return on assets | -0.1257% | 6,027 |
| Return on Equity (ROE) | -1.2394% | 6,110 |
| Retained earnings to average equity (ytd only) | -1.2394% | 5,550 |
| Net charge-offs to loans | -0.1152% | 7,969 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5334% | 980 |
| Assets per employee ($millions) | 4.3273% | 3,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 2,857 |
| Loan loss allowance to noncurrent loans | 78.4314% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.6836% | 3,664 |
| Noncurrent loans to loans | 2.0047% | 3,517 |
| Net loans and leases to total assets | 82.6639% | 834 |
| Net loans and leases to deposits | 97.4521% | 1,608 |
| Net loans and leases to core deposits | 120.2959% | 2,347 |
| Total domestic deposits to total assets | 84.8251% | 3,345 |
| Equity capital to assets | 10.0887% | 3,827 |
| Core capital (leverage) ratio | 11.1530% | 2,284 |
| Tier 1 risk-based capital ratio | 12.5121% | 4,513 |
| Total risk-based capital ratio | 13.7663% | 4,427 |
| Memoranda: | ||
| Average total assets | $90,689,000 | 5,438 |
| Average earning assets | $86,344,670 | 5,324 |
| Average equity | $9,198,000 | 5,611 |
| Average total loans | $69,463,000 | 4,982 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1405% | 6,522 |
| Cost of funding earning assets | 1.6373% | 5,874 |
| Net interest margin | 3.5032% | 4,720 |
| Noninterest income to average assets | 0.3267% | 5,840 |
| Noninterest expense to average assets | 3.8942% | 1,315 |
| Loan and lease loss provision to assets | -0.1766% | 8,216 |
| Net operating income to assets | -0.0751% | 6,372 |
| Return on assets (ROA) | -0.0751% | 6,490 |
| Pretax return on assets | -0.0751% | 6,457 |
| Return on Equity (ROE) | -0.7381% | 6,504 |
| Retained earnings to average equity (ytd only) | -0.7381% | 5,823 |
| Net charge-offs to loans | -0.2423% | 8,037 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9091% | 901 |
| Assets per employee ($millions) | 3.9814% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7651% | 1,940 |
| Loan loss allowance to noncurrent loans | 112.5704% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 1.1641% | 4,341 |
| Noncurrent loans to loans | 1.5680% | 3,931 |
| Net loans and leases to total assets | 72.9295% | 3,025 |
| Net loans and leases to deposits | 92.8767% | 2,458 |
| Net loans and leases to core deposits | 115.3479% | 2,867 |
| Total domestic deposits to total assets | 78.5229% | 5,857 |
| Equity capital to assets | 10.0478% | 3,949 |
| Core capital (leverage) ratio | 10.2633% | 3,142 |
| Tier 1 risk-based capital ratio | 13.3110% | 3,987 |
| Total risk-based capital ratio | 14.4862% | 3,952 |
| Memoranda: | ||
| Average total assets | $90,596,500 | 5,465 |
| Average earning assets | $85,750,000 | 5,371 |
| Average equity | $9,213,000 | 5,624 |
| Average total loans | $66,034,500 | 5,132 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7774% | 7,948 |
| Cost of funding earning assets | 1.6023% | 7,445 |
| Net interest margin | 3.1751% | 6,447 |
| Noninterest income to average assets | 0.3037% | 6,275 |
| Noninterest expense to average assets | 4.0737% | 1,317 |
| Loan and lease loss provision to assets | 1.1058% | 1,312 |
| Net operating income to assets | -1.9148% | 7,591 |
| Return on assets (ROA) | -1.9148% | 7,546 |
| Pretax return on assets | -1.9148% | 7,413 |
| Return on Equity (ROE) | -17.9565% | 7,711 |
| Retained earnings to average equity (ytd only) | -17.9565% | 7,620 |
| Net charge-offs to loans | 0.4172% | 2,733 |
| Credit loss provision to net charge-offs | 448.8372% | 978 |
| Earnings coverage of net charge-offs (x) | -3.2837% | 6,778 |
| Efficiency ratio | 124.7806% | 518 |
| Assets per employee ($millions) | 4.0737% | 3,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8725% | 1,479 |
| Loan loss allowance to noncurrent loans | 200.3339% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.6684% | 5,217 |
| Noncurrent loans to loans | 0.9347% | 4,741 |
| Net loans and leases to total assets | 70.1688% | 3,977 |
| Net loans and leases to deposits | 89.7922% | 3,487 |
| Net loans and leases to core deposits | 104.9324% | 4,306 |
| Total domestic deposits to total assets | 78.1457% | 5,667 |
| Equity capital to assets | 10.2933% | 3,721 |
| Core capital (leverage) ratio | 12.7933% | 1,628 |
| Tier 1 risk-based capital ratio | 14.5043% | 3,295 |
| Total risk-based capital ratio | 15.7621% | 3,210 |
| Memoranda: | ||
| Average total assets | $87,267,600 | 5,442 |
| Average earning assets | $81,382,400 | 5,390 |
| Average equity | $9,305,800 | 5,630 |
| Average total loans | $51,537,400 | 5,643 |