Home > Valley National Bank > Performance and Condition Ratios
Valley National 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 | 2.7490% | 6,235 |
| Cost of funding earning assets | 0.4536% | 3,134 |
| Net interest margin | 2.2954% | 6,271 |
| Noninterest income to average assets | 0.3606% | 4,517 |
| Noninterest expense to average assets | 3.6836% | 1,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -1.2586% | 6,409 |
| Return on assets (ROA) | -1.2788% | 6,411 |
| Pretax return on assets | -1.2788% | 6,403 |
| Return on Equity (ROE) | -11.7779% | 6,382 |
| Retained earnings to average equity (ytd only) | -11.7779% | 6,343 |
| Net charge-offs to loans | -1.5122% | 6,456 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.8998% | 51 |
| Assets per employee ($millions) | 4.4598% | 3,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0379% | 6 |
| Loan loss allowance to noncurrent loans | 94.5631% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 9.2274% | 94 |
| Noncurrent loans to loans | 10.6151% | 60 |
| Net loans and leases to total assets | 25.7540% | 6,282 |
| Net loans and leases to deposits | 29.2479% | 6,303 |
| Net loans and leases to core deposits | 30.0733% | 6,310 |
| Total domestic deposits to total assets | 88.0541% | 1,741 |
| Equity capital to assets | 11.6833% | 2,271 |
| Core capital (leverage) ratio | 11.6434% | 1,872 |
| Tier 1 risk-based capital ratio | 30.0974% | 506 |
| Total risk-based capital ratio | 31.4204% | 500 |
| Memoranda: | ||
| Average total assets | $187,752,600 | 3,128 |
| Average earning assets | $168,861,600 | 3,172 |
| Average equity | $20,385,600 | 3,119 |
| Average total loans | $58,919,800 | 4,522 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8093% | 6,274 |
| Cost of funding earning assets | 0.4934% | 2,830 |
| Net interest margin | 2.3159% | 6,332 |
| Noninterest income to average assets | 0.3695% | 4,470 |
| Noninterest expense to average assets | 3.6507% | 1,211 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.1889% | 6,480 |
| Return on assets (ROA) | -1.1862% | 6,478 |
| Pretax return on assets | -1.1862% | 6,469 |
| Return on Equity (ROE) | -11.1109% | 6,457 |
| Retained earnings to average equity (ytd only) | -11.1109% | 6,396 |
| Net charge-offs to loans | -1.1270% | 6,524 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.2963% | 59 |
| Assets per employee ($millions) | 3.9497% | 3,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4754% | 16 |
| Loan loss allowance to noncurrent loans | 77.4221% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 9.4134% | 103 |
| Noncurrent loans to loans | 10.9470% | 61 |
| Net loans and leases to total assets | 27.9564% | 6,318 |
| Net loans and leases to deposits | 31.7561% | 6,346 |
| Net loans and leases to core deposits | 32.7617% | 6,347 |
| Total domestic deposits to total assets | 88.0346% | 1,745 |
| Equity capital to assets | 11.5160% | 2,469 |
| Core capital (leverage) ratio | 11.4867% | 2,078 |
| Tier 1 risk-based capital ratio | 29.2284% | 564 |
| Total risk-based capital ratio | 30.5425% | 545 |
| Memoranda: | ||
| Average total assets | $192,322,500 | 3,096 |
| Average earning assets | $173,753,500 | 3,140 |
| Average equity | $20,532,000 | 3,112 |
| Average total loans | $61,520,750 | 4,481 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7940% | 6,341 |
| Cost of funding earning assets | 0.5641% | 2,223 |
| Net interest margin | 2.2299% | 6,437 |
| Noninterest income to average assets | 0.3778% | 4,426 |
| Noninterest expense to average assets | 3.5345% | 1,416 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -1.1375% | 6,543 |
| Return on assets (ROA) | -1.1375% | 6,542 |
| Pretax return on assets | -1.1375% | 6,528 |
| Return on Equity (ROE) | -10.9056% | 6,522 |
| Retained earnings to average equity (ytd only) | -10.9056% | 6,440 |
| Net charge-offs to loans | -1.8000% | 6,600 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.4569% | 60 |
| Assets per employee ($millions) | 3.9922% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0860% | 19 |
| Loan loss allowance to noncurrent loans | 69.3127% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 8.0453% | 136 |
| Noncurrent loans to loans | 11.6660% | 49 |
| Net loans and leases to total assets | 25.9564% | 6,416 |
| Net loans and leases to deposits | 29.2044% | 6,441 |
| Net loans and leases to core deposits | 33.4500% | 6,382 |
| Total domestic deposits to total assets | 88.8782% | 1,428 |
| Equity capital to assets | 10.3663% | 3,601 |
| Core capital (leverage) ratio | 10.4913% | 2,962 |
| Tier 1 risk-based capital ratio | 27.6160% | 665 |
| Total risk-based capital ratio | 28.9239% | 648 |
| Memoranda: | ||
| Average total assets | $198,501,670 | 3,051 |
| Average earning assets | $179,742,670 | 3,084 |
| Average equity | $20,705,000 | 3,096 |
| Average total loans | $64,333,330 | 4,414 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7945% | 6,404 |
| Cost of funding earning assets | 0.5792% | 2,159 |
| Net interest margin | 2.2152% | 6,518 |
| Noninterest income to average assets | 0.2829% | 5,107 |
| Noninterest expense to average assets | 3.4837% | 1,521 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.1761% | 6,598 |
| Return on assets (ROA) | -1.1761% | 6,594 |
| Pretax return on assets | -1.1761% | 6,586 |
| Return on Equity (ROE) | -11.2401% | 6,575 |
| Retained earnings to average equity (ytd only) | -11.2401% | 6,396 |
| Net charge-offs to loans | -0.3045% | 6,483 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.9632% | 61 |
| Assets per employee ($millions) | 3.7383% | 4,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1732% | 44 |
| Loan loss allowance to noncurrent loans | 31.1780% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 10.8447% | 96 |
| Noncurrent loans to loans | 19.8000% | 18 |
| Net loans and leases to total assets | 30.3500% | 6,341 |
| Net loans and leases to deposits | 33.9648% | 6,371 |
| Net loans and leases to core deposits | 38.6997% | 6,284 |
| Total domestic deposits to total assets | 89.3574% | 1,443 |
| Equity capital to assets | 10.1997% | 3,602 |
| Core capital (leverage) ratio | 10.7010% | 2,701 |
| Tier 1 risk-based capital ratio | 25.5408% | 830 |
| Total risk-based capital ratio | 26.8280% | 806 |
| Memoranda: | ||
| Average total assets | $197,948,500 | 3,076 |
| Average earning assets | $180,929,500 | 3,083 |
| Average equity | $20,711,500 | 3,092 |
| Average total loans | $68,315,500 | 4,319 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1554% | 6,187 |
| Cost of funding earning assets | 0.5602% | 3,021 |
| Net interest margin | 2.5952% | 6,269 |
| Noninterest income to average assets | 0.2226% | 5,743 |
| Noninterest expense to average assets | 3.6923% | 1,292 |
| Loan and lease loss provision to assets | 0.0292% | 4,528 |
| Net operating income to assets | -1.0969% | 6,623 |
| Return on assets (ROA) | -1.0870% | 6,621 |
| Pretax return on assets | -1.0870% | 6,608 |
| Return on Equity (ROE) | -9.4142% | 6,579 |
| Retained earnings to average equity (ytd only) | -9.4142% | 6,527 |
| Net charge-offs to loans | 2.0816% | 173 |
| Credit loss provision to net charge-offs | 3.3072% | 4,670 |
| Earnings coverage of net charge-offs (x) | -1.2074% | 5,280 |
| Efficiency ratio | 140.6799% | 83 |
| Assets per employee ($millions) | 3.8045% | 4,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5781% | 64 |
| Loan loss allowance to noncurrent loans | 24.7419% | 6,080 |
| Noncurrent assets plus other real estate owned to assets | 12.0095% | 80 |
| Noncurrent loans to loans | 22.5450% | 9 |
| Net loans and leases to total assets | 34.7134% | 6,259 |
| Net loans and leases to deposits | 39.0458% | 6,336 |
| Net loans and leases to core deposits | 44.7687% | 6,190 |
| Total domestic deposits to total assets | 88.9042% | 1,690 |
| Equity capital to assets | 10.7371% | 2,888 |
| Core capital (leverage) ratio | 11.2911% | 2,129 |
| Tier 1 risk-based capital ratio | 25.7160% | 794 |
| Total risk-based capital ratio | 27.0070% | 777 |
| Memoranda: | ||
| Average total assets | $201,743,000 | 3,017 |
| Average earning assets | $186,728,400 | 3,001 |
| Average equity | $23,294,600 | 2,788 |
| Average total loans | $85,705,000 | 3,784 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1518% | 6,254 |
| Cost of funding earning assets | 0.5596% | 3,166 |
| Net interest margin | 2.5922% | 6,324 |
| Noninterest income to average assets | 0.2337% | 5,761 |
| Noninterest expense to average assets | 3.7759% | 1,113 |
| Loan and lease loss provision to assets | 0.0262% | 4,483 |
| Net operating income to assets | -1.1666% | 6,728 |
| Return on assets (ROA) | -1.1535% | 6,725 |
| Pretax return on assets | -1.1535% | 6,718 |
| Return on Equity (ROE) | -9.8255% | 6,689 |
| Retained earnings to average equity (ytd only) | -9.8255% | 6,634 |
| Net charge-offs to loans | 1.9365% | 202 |
| Credit loss provision to net charge-offs | 3.0840% | 4,301 |
| Earnings coverage of net charge-offs (x) | -1.3431% | 5,035 |
| Efficiency ratio | 143.2688% | 89 |
| Assets per employee ($millions) | 3.9567% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8776% | 60 |
| Loan loss allowance to noncurrent loans | 23.1796% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 13.7221% | 64 |
| Noncurrent loans to loans | 25.3569% | 7 |
| Net loans and leases to total assets | 35.9963% | 6,281 |
| Net loans and leases to deposits | 40.5174% | 6,368 |
| Net loans and leases to core deposits | 46.5259% | 6,192 |
| Total domestic deposits to total assets | 88.8417% | 1,644 |
| Equity capital to assets | 10.7317% | 3,033 |
| Core capital (leverage) ratio | 11.2848% | 2,212 |
| Tier 1 risk-based capital ratio | 25.1134% | 865 |
| Total risk-based capital ratio | 26.3215% | 859 |
| Memoranda: | ||
| Average total assets | $203,671,500 | 3,013 |
| Average earning assets | $188,715,750 | 2,993 |
| Average equity | $23,910,000 | 2,767 |
| Average total loans | $89,298,000 | 3,737 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0129% | 6,435 |
| Cost of funding earning assets | 0.5581% | 3,337 |
| Net interest margin | 2.4548% | 6,493 |
| Noninterest income to average assets | 0.2150% | 5,901 |
| Noninterest expense to average assets | 3.5104% | 1,581 |
| Loan and lease loss provision to assets | 0.0389% | 4,174 |
| Net operating income to assets | -1.0495% | 6,764 |
| Return on assets (ROA) | -1.0301% | 6,762 |
| Pretax return on assets | -1.0301% | 6,741 |
| Return on Equity (ROE) | -8.5393% | 6,715 |
| Retained earnings to average equity (ytd only) | -8.5393% | 6,627 |
| Net charge-offs to loans | 1.5579% | 330 |
| Credit loss provision to net charge-offs | 5.4720% | 3,949 |
| Earnings coverage of net charge-offs (x) | -1.4213% | 4,740 |
| Efficiency ratio | 140.4280% | 97 |
| Assets per employee ($millions) | 4.3602% | 3,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7375% | 77 |
| Loan loss allowance to noncurrent loans | 18.6579% | 6,331 |
| Noncurrent assets plus other real estate owned to assets | 16.2295% | 46 |
| Noncurrent loans to loans | 30.7513% | 4 |
| Net loans and leases to total assets | 41.0631% | 5,962 |
| Net loans and leases to deposits | 46.3992% | 6,080 |
| Net loans and leases to core deposits | 52.9306% | 5,823 |
| Total domestic deposits to total assets | 88.4996% | 1,912 |
| Equity capital to assets | 11.1823% | 2,570 |
| Core capital (leverage) ratio | 11.2966% | 2,092 |
| Tier 1 risk-based capital ratio | 23.6495% | 1,041 |
| Total risk-based capital ratio | 24.9463% | 1,017 |
| Memoranda: | ||
| Average total assets | $205,617,330 | 2,995 |
| Average earning assets | $191,379,670 | 2,974 |
| Average equity | $24,803,000 | 2,681 |
| Average total loans | $93,844,000 | 3,635 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0153% | 6,501 |
| Cost of funding earning assets | 0.5636% | 3,443 |
| Net interest margin | 2.4517% | 6,555 |
| Noninterest income to average assets | 0.1864% | 6,139 |
| Noninterest expense to average assets | 3.5245% | 1,572 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.0474% | 6,819 |
| Return on assets (ROA) | -1.0474% | 6,830 |
| Pretax return on assets | -1.0474% | 6,813 |
| Return on Equity (ROE) | -8.3877% | 6,772 |
| Retained earnings to average equity (ytd only) | -8.3877% | 6,548 |
| Net charge-offs to loans | 0.1895% | 2,276 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -11.8478% | 4,106 |
| Efficiency ratio | 142.2808% | 103 |
| Assets per employee ($millions) | 3.9598% | 4,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1731% | 67 |
| Loan loss allowance to noncurrent loans | 19.6240% | 6,353 |
| Noncurrent assets plus other real estate owned to assets | 16.0020% | 62 |
| Noncurrent loans to loans | 31.4571% | 5 |
| Net loans and leases to total assets | 40.9769% | 5,923 |
| Net loans and leases to deposits | 46.5261% | 6,022 |
| Net loans and leases to core deposits | 58.5731% | 5,285 |
| Total domestic deposits to total assets | 88.0729% | 2,263 |
| Equity capital to assets | 11.5869% | 2,344 |
| Core capital (leverage) ratio | 11.3408% | 1,983 |
| Tier 1 risk-based capital ratio | 23.3108% | 1,111 |
| Total risk-based capital ratio | 24.6130% | 1,087 |
| Memoranda: | ||
| Average total assets | $208,142,500 | 2,996 |
| Average earning assets | $194,474,500 | 2,963 |
| Average equity | $25,990,500 | 2,618 |
| Average total loans | $97,080,000 | 3,588 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2836% | 6,600 |
| Cost of funding earning assets | 0.6624% | 3,810 |
| Net interest margin | 2.6212% | 6,615 |
| Noninterest income to average assets | -0.0687% | 6,899 |
| Noninterest expense to average assets | 2.7221% | 4,323 |
| Loan and lease loss provision to assets | 2.4825% | 63 |
| Net operating income to assets | -2.8458% | 7,000 |
| Return on assets (ROA) | -2.3368% | 6,966 |
| Pretax return on assets | -2.3364% | 6,964 |
| Return on Equity (ROE) | -19.7825% | 6,880 |
| Retained earnings to average equity (ytd only) | -19.7825% | 6,846 |
| Net charge-offs to loans | 5.9218% | 17 |
| Credit loss provision to net charge-offs | 93.1055% | 3,342 |
| Earnings coverage of net charge-offs (x) | -0.1361% | 5,549 |
| Efficiency ratio | 115.3846% | 258 |
| Assets per employee ($millions) | 3.9696% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5646% | 90 |
| Loan loss allowance to noncurrent loans | 20.3904% | 6,378 |
| Noncurrent assets plus other real estate owned to assets | 15.9211% | 68 |
| Noncurrent loans to loans | 27.2904% | 8 |
| Net loans and leases to total assets | 46.8956% | 5,521 |
| Net loans and leases to deposits | 54.3688% | 5,618 |
| Net loans and leases to core deposits | 70.1548% | 4,289 |
| Total domestic deposits to total assets | 86.2546% | 3,229 |
| Equity capital to assets | 13.4019% | 1,270 |
| Core capital (leverage) ratio | 11.9518% | 1,594 |
| Tier 1 risk-based capital ratio | 21.5468% | 1,346 |
| Total risk-based capital ratio | 22.8431% | 1,313 |
| Memoranda: | ||
| Average total assets | $254,582,600 | 2,492 |
| Average earning assets | $235,811,000 | 2,449 |
| Average equity | $30,072,000 | 2,243 |
| Average total loans | $114,627,200 | 3,197 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3250% | 6,709 |
| Cost of funding earning assets | 0.6823% | 3,925 |
| Net interest margin | 2.6427% | 6,709 |
| Noninterest income to average assets | -0.0645% | 7,000 |
| Noninterest expense to average assets | 2.6784% | 4,463 |
| Loan and lease loss provision to assets | 1.9478% | 130 |
| Net operating income to assets | -2.2468% | 7,066 |
| Return on assets (ROA) | -1.6457% | 7,001 |
| Pretax return on assets | -1.6452% | 6,978 |
| Return on Equity (ROE) | -14.3049% | 6,925 |
| Retained earnings to average equity (ytd only) | -14.3049% | 6,897 |
| Net charge-offs to loans | 6.0751% | 23 |
| Credit loss provision to net charge-offs | 72.6544% | 3,832 |
| Earnings coverage of net charge-offs (x) | -0.1114% | 5,382 |
| Efficiency ratio | 112.5447% | 262 |
| Assets per employee ($millions) | 3.9980% | 3,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5503% | 201 |
| Loan loss allowance to noncurrent loans | 16.5227% | 6,561 |
| Noncurrent assets plus other real estate owned to assets | 15.1508% | 87 |
| Noncurrent loans to loans | 27.5399% | 13 |
| Net loans and leases to total assets | 46.5865% | 5,703 |
| Net loans and leases to deposits | 54.2706% | 5,789 |
| Net loans and leases to core deposits | 70.0141% | 4,496 |
| Total domestic deposits to total assets | 85.8412% | 3,340 |
| Equity capital to assets | 13.7261% | 1,262 |
| Core capital (leverage) ratio | 9.8494% | 3,754 |
| Tier 1 risk-based capital ratio | 22.2131% | 1,293 |
| Total risk-based capital ratio | 23.4971% | 1,270 |
| Memoranda: | ||
| Average total assets | $266,623,750 | 2,404 |
| Average earning assets | $246,611,750 | 2,382 |
| Average equity | $30,674,000 | 2,234 |
| Average total loans | $117,657,750 | 3,168 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4450% | 6,678 |
| Cost of funding earning assets | 0.6863% | 4,132 |
| Net interest margin | 2.7587% | 6,635 |
| Noninterest income to average assets | -0.1320% | 7,112 |
| Noninterest expense to average assets | 2.4952% | 5,152 |
| Loan and lease loss provision to assets | 1.3613% | 282 |
| Net operating income to assets | -1.4231% | 7,006 |
| Return on assets (ROA) | -1.1058% | 6,953 |
| Pretax return on assets | -1.1058% | 6,924 |
| Return on Equity (ROE) | -10.0950% | 6,907 |
| Retained earnings to average equity (ytd only) | -10.0950% | 6,837 |
| Net charge-offs to loans | 5.4002% | 49 |
| Credit loss provision to net charge-offs | 58.6687% | 3,836 |
| Earnings coverage of net charge-offs (x) | -0.0266% | 5,100 |
| Efficiency ratio | 102.5389% | 474 |
| Assets per employee ($millions) | 4.9819% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1954% | 299 |
| Loan loss allowance to noncurrent loans | 17.6121% | 6,583 |
| Noncurrent assets plus other real estate owned to assets | 11.6630% | 189 |
| Noncurrent loans to loans | 23.8209% | 24 |
| Net loans and leases to total assets | 40.7957% | 6,289 |
| Net loans and leases to deposits | 58.3927% | 5,406 |
| Net loans and leases to core deposits | 74.6125% | 3,943 |
| Total domestic deposits to total assets | 69.8644% | 6,912 |
| Equity capital to assets | 11.5898% | 2,501 |
| Core capital (leverage) ratio | 10.2208% | 3,115 |
| Tier 1 risk-based capital ratio | 20.7358% | 1,527 |
| Total risk-based capital ratio | 22.0142% | 1,499 |
| Memoranda: | ||
| Average total assets | $284,866,330 | 2,270 |
| Average earning assets | $264,904,670 | 2,223 |
| Average equity | $31,203,670 | 2,193 |
| Average total loans | $122,403,330 | 3,079 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5066% | 6,692 |
| Cost of funding earning assets | 0.7447% | 3,908 |
| Net interest margin | 2.7619% | 6,693 |
| Noninterest income to average assets | -0.1503% | 7,184 |
| Noninterest expense to average assets | 2.4523% | 5,309 |
| Loan and lease loss provision to assets | 1.4618% | 239 |
| Net operating income to assets | -1.4905% | 7,088 |
| Return on assets (ROA) | -1.0506% | 7,019 |
| Pretax return on assets | -1.0506% | 6,986 |
| Return on Equity (ROE) | -9.8539% | 6,985 |
| Retained earnings to average equity (ytd only) | -9.8539% | 6,836 |
| Net charge-offs to loans | 9.3218% | 24 |
| Credit loss provision to net charge-offs | 36.3451% | 3,512 |
| Earnings coverage of net charge-offs (x) | -0.0071% | 4,372 |
| Efficiency ratio | 101.1838% | 511 |
| Assets per employee ($millions) | 5.4027% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5336% | 522 |
| Loan loss allowance to noncurrent loans | 16.0637% | 6,661 |
| Noncurrent assets plus other real estate owned to assets | 10.4177% | 271 |
| Noncurrent loans to loans | 21.9975% | 34 |
| Net loans and leases to total assets | 40.2181% | 6,335 |
| Net loans and leases to deposits | 55.7989% | 5,628 |
| Net loans and leases to core deposits | 84.6041% | 2,464 |
| Total domestic deposits to total assets | 72.0769% | 6,872 |
| Equity capital to assets | 10.7865% | 3,168 |
| Core capital (leverage) ratio | 9.6739% | 3,806 |
| Tier 1 risk-based capital ratio | 19.7793% | 1,766 |
| Total risk-based capital ratio | 21.0506% | 1,732 |
| Memoranda: | ||
| Average total assets | $292,789,000 | 2,221 |
| Average earning assets | $272,858,000 | 2,178 |
| Average equity | $31,216,000 | 2,191 |
| Average total loans | $126,327,500 | 3,018 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5616% | 4,829 |
| Cost of funding earning assets | 0.8631% | 4,371 |
| Net interest margin | 3.6986% | 4,297 |
| Noninterest income to average assets | -0.2341% | 7,173 |
| Noninterest expense to average assets | 2.4376% | 5,672 |
| Loan and lease loss provision to assets | 2.1179% | 256 |
| Net operating income to assets | -1.3576% | 6,873 |
| Return on assets (ROA) | -0.8745% | 6,713 |
| Pretax return on assets | -0.8745% | 6,677 |
| Return on Equity (ROE) | -8.7269% | 6,705 |
| Retained earnings to average equity (ytd only) | -8.7269% | 6,658 |
| Net charge-offs to loans | 5.9935% | 48 |
| Credit loss provision to net charge-offs | 75.7861% | 4,646 |
| Earnings coverage of net charge-offs (x) | 0.2721% | 5,629 |
| Efficiency ratio | 76.2243% | 2,855 |
| Assets per employee ($millions) | 5.4414% | 1,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7106% | 216 |
| Loan loss allowance to noncurrent loans | 24.4872% | 6,449 |
| Noncurrent assets plus other real estate owned to assets | 9.7548% | 351 |
| Noncurrent loans to loans | 19.2371% | 57 |
| Net loans and leases to total assets | 42.4903% | 6,338 |
| Net loans and leases to deposits | 58.6571% | 5,641 |
| Net loans and leases to core deposits | 90.2207% | 2,099 |
| Total domestic deposits to total assets | 72.4385% | 6,852 |
| Equity capital to assets | 10.5376% | 3,491 |
| Core capital (leverage) ratio | 9.9145% | 3,433 |
| Tier 1 risk-based capital ratio | 19.9078% | 1,669 |
| Total risk-based capital ratio | 21.1929% | 1,632 |
| Memoranda: | ||
| Average total assets | $308,417,000 | 2,073 |
| Average earning assets | $286,191,400 | 2,050 |
| Average equity | $30,904,400 | 2,134 |
| Average total loans | $143,806,000 | 2,727 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6983% | 4,475 |
| Cost of funding earning assets | 0.8814% | 4,536 |
| Net interest margin | 3.8169% | 3,790 |
| Noninterest income to average assets | -0.5926% | 7,367 |
| Noninterest expense to average assets | 2.6541% | 4,890 |
| Loan and lease loss provision to assets | 2.7678% | 133 |
| Net operating income to assets | -2.5191% | 7,210 |
| Return on assets (ROA) | -2.4759% | 7,216 |
| Pretax return on assets | -2.4336% | 7,198 |
| Return on Equity (ROE) | -25.0131% | 7,166 |
| Retained earnings to average equity (ytd only) | -25.0131% | 7,155 |
| Net charge-offs to loans | 6.3798% | 50 |
| Credit loss provision to net charge-offs | 92.0955% | 3,707 |
| Earnings coverage of net charge-offs (x) | 0.0968% | 5,527 |
| Efficiency ratio | 90.1204% | 1,159 |
| Assets per employee ($millions) | 4.8024% | 2,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5881% | 129 |
| Loan loss allowance to noncurrent loans | 24.5318% | 6,512 |
| Noncurrent assets plus other real estate owned to assets | 11.7639% | 239 |
| Noncurrent loans to loans | 22.7790% | 40 |
| Net loans and leases to total assets | 43.0148% | 6,429 |
| Net loans and leases to deposits | 58.2749% | 5,818 |
| Net loans and leases to core deposits | 99.0871% | 1,327 |
| Total domestic deposits to total assets | 73.8136% | 6,782 |
| Equity capital to assets | 9.3990% | 5,243 |
| Core capital (leverage) ratio | 8.4396% | 5,788 |
| Tier 1 risk-based capital ratio | 16.2818% | 2,977 |
| Total risk-based capital ratio | 17.5760% | 2,921 |
| Memoranda: | ||
| Average total assets | $312,062,750 | 2,064 |
| Average earning assets | $289,230,500 | 2,033 |
| Average equity | $30,889,750 | 2,141 |
| Average total loans | $147,001,750 | 2,706 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7407% | 4,345 |
| Cost of funding earning assets | 0.9107% | 4,581 |
| Net interest margin | 3.8300% | 3,647 |
| Noninterest income to average assets | -0.2677% | 7,375 |
| Noninterest expense to average assets | 2.5771% | 5,269 |
| Loan and lease loss provision to assets | 0.4486% | 2,179 |
| Net operating income to assets | 0.0051% | 6,213 |
| Return on assets (ROA) | 0.0108% | 6,284 |
| Pretax return on assets | 0.2589% | 5,780 |
| Return on Equity (ROE) | 0.1072% | 6,282 |
| Retained earnings to average equity (ytd only) | 0.1072% | 5,794 |
| Net charge-offs to loans | 1.3275% | 1,151 |
| Credit loss provision to net charge-offs | 70.9839% | 4,039 |
| Earnings coverage of net charge-offs (x) | 1.1054% | 4,448 |
| Efficiency ratio | 78.6752% | 2,601 |
| Assets per employee ($millions) | 4.9835% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4317% | 149 |
| Loan loss allowance to noncurrent loans | 28.6825% | 6,343 |
| Noncurrent assets plus other real estate owned to assets | 10.7605% | 334 |
| Noncurrent loans to loans | 18.9375% | 74 |
| Net loans and leases to total assets | 44.1964% | 6,420 |
| Net loans and leases to deposits | 60.2356% | 5,704 |
| Net loans and leases to core deposits | 100.3558% | 1,315 |
| Total domestic deposits to total assets | 73.3726% | 6,895 |
| Equity capital to assets | 10.4567% | 3,561 |
| Core capital (leverage) ratio | 10.1023% | 3,144 |
| Tier 1 risk-based capital ratio | 18.4073% | 2,039 |
| Total risk-based capital ratio | 19.6987% | 1,979 |
| Memoranda: | ||
| Average total assets | $315,232,330 | 2,045 |
| Average earning assets | $291,645,000 | 2,027 |
| Average equity | $31,707,330 | 2,082 |
| Average total loans | $150,053,670 | 2,686 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9958% | 3,121 |
| Cost of funding earning assets | 0.9783% | 4,363 |
| Net interest margin | 4.0176% | 2,616 |
| Noninterest income to average assets | -0.2799% | 7,453 |
| Noninterest expense to average assets | 2.5036% | 5,535 |
| Loan and lease loss provision to assets | 0.6332% | 1,363 |
| Net operating income to assets | -0.1106% | 6,470 |
| Return on assets (ROA) | -0.1114% | 6,490 |
| Pretax return on assets | 0.2799% | 5,713 |
| Return on Equity (ROE) | -1.1302% | 6,502 |
| Retained earnings to average equity (ytd only) | -1.1302% | 6,015 |
| Net charge-offs to loans | 0.3006% | 2,845 |
| Credit loss provision to net charge-offs | 438.5965% | 795 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 2,116 |
| Efficiency ratio | 73.2494% | 3,644 |
| Assets per employee ($millions) | 5.0160% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7231% | 119 |
| Loan loss allowance to noncurrent loans | 31.2771% | 6,221 |
| Noncurrent assets plus other real estate owned to assets | 10.8076% | 350 |
| Noncurrent loans to loans | 18.2981% | 85 |
| Net loans and leases to total assets | 45.0647% | 6,377 |
| Net loans and leases to deposits | 60.8570% | 5,634 |
| Net loans and leases to core deposits | 112.0810% | 656 |
| Total domestic deposits to total assets | 74.0502% | 6,894 |
| Equity capital to assets | 9.9370% | 3,857 |
| Core capital (leverage) ratio | 9.9277% | 3,230 |
| Tier 1 risk-based capital ratio | 17.9911% | 2,116 |
| Total risk-based capital ratio | 19.2863% | 2,071 |
| Memoranda: | ||
| Average total assets | $315,867,500 | 2,064 |
| Average earning assets | $290,723,000 | 2,051 |
| Average equity | $31,146,000 | 2,103 |
| Average total loans | $151,715,500 | 2,693 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7964% | 5,418 |
| Cost of funding earning assets | 1.2550% | 4,183 |
| Net interest margin | 3.5414% | 5,070 |
| Noninterest income to average assets | 0.0588% | 7,070 |
| Noninterest expense to average assets | 2.4552% | 5,929 |
| Loan and lease loss provision to assets | 1.8537% | 736 |
| Net operating income to assets | -0.4544% | 6,356 |
| Return on assets (ROA) | -0.3527% | 6,294 |
| Pretax return on assets | -0.8331% | 6,533 |
| Return on Equity (ROE) | -3.4090% | 6,316 |
| Retained earnings to average equity (ytd only) | -3.4090% | 6,147 |
| Net charge-offs to loans | 3.2810% | 468 |
| Credit loss provision to net charge-offs | 116.5928% | 3,685 |
| Earnings coverage of net charge-offs (x) | 0.5419% | 5,567 |
| Efficiency ratio | 74.0231% | 3,391 |
| Assets per employee ($millions) | 5.0923% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4201% | 152 |
| Loan loss allowance to noncurrent loans | 26.9893% | 6,486 |
| Noncurrent assets plus other real estate owned to assets | 11.9389% | 282 |
| Noncurrent loans to loans | 20.0824% | 68 |
| Net loans and leases to total assets | 45.6467% | 6,587 |
| Net loans and leases to deposits | 61.4159% | 5,904 |
| Net loans and leases to core deposits | 111.0514% | 867 |
| Total domestic deposits to total assets | 74.3239% | 6,849 |
| Equity capital to assets | 9.7838% | 4,019 |
| Core capital (leverage) ratio | 9.9335% | 3,157 |
| Tier 1 risk-based capital ratio | 17.8521% | 2,048 |
| Total risk-based capital ratio | 19.1439% | 1,994 |
| Memoranda: | ||
| Average total assets | $326,366,200 | 1,992 |
| Average earning assets | $300,246,000 | 1,976 |
| Average equity | $33,763,200 | 1,957 |
| Average total loans | $158,155,000 | 2,639 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8012% | 5,655 |
| Cost of funding earning assets | 1.3014% | 4,208 |
| Net interest margin | 3.4998% | 5,292 |
| Noninterest income to average assets | 0.1836% | 6,568 |
| Noninterest expense to average assets | 2.4597% | 5,856 |
| Loan and lease loss provision to assets | 1.0738% | 1,365 |
| Net operating income to assets | -0.4240% | 6,539 |
| Return on assets (ROA) | -0.3242% | 6,502 |
| Pretax return on assets | 0.0251% | 6,054 |
| Return on Equity (ROE) | -3.0934% | 6,500 |
| Retained earnings to average equity (ytd only) | -3.0934% | 6,362 |
| Net charge-offs to loans | 1.6115% | 1,223 |
| Credit loss provision to net charge-offs | 137.3769% | 2,908 |
| Earnings coverage of net charge-offs (x) | 1.2063% | 4,855 |
| Efficiency ratio | 72.2877% | 3,644 |
| Assets per employee ($millions) | 5.1706% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1926% | 153 |
| Loan loss allowance to noncurrent loans | 33.0202% | 6,133 |
| Noncurrent assets plus other real estate owned to assets | 10.3140% | 382 |
| Noncurrent loans to loans | 15.7257% | 147 |
| Net loans and leases to total assets | 47.0043% | 6,610 |
| Net loans and leases to deposits | 64.1949% | 5,891 |
| Net loans and leases to core deposits | 117.3052% | 707 |
| Total domestic deposits to total assets | 73.2213% | 7,013 |
| Equity capital to assets | 10.6941% | 3,291 |
| Core capital (leverage) ratio | 9.9667% | 3,285 |
| Tier 1 risk-based capital ratio | 17.8097% | 2,073 |
| Total risk-based capital ratio | 19.1000% | 2,027 |
| Memoranda: | ||
| Average total assets | $329,026,500 | 2,003 |
| Average earning assets | $302,640,000 | 1,991 |
| Average equity | $34,481,500 | 1,946 |
| Average total loans | $159,599,500 | 2,665 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8190% | 5,725 |
| Cost of funding earning assets | 1.3602% | 4,121 |
| Net interest margin | 3.4588% | 5,407 |
| Noninterest income to average assets | 0.1979% | 6,489 |
| Noninterest expense to average assets | 2.2940% | 6,371 |
| Loan and lease loss provision to assets | 0.3298% | 3,762 |
| Net operating income to assets | 0.3818% | 4,842 |
| Return on assets (ROA) | 0.4497% | 4,708 |
| Pretax return on assets | 0.8562% | 3,674 |
| Return on Equity (ROE) | 4.3188% | 4,636 |
| Retained earnings to average equity (ytd only) | 4.3188% | 3,330 |
| Net charge-offs to loans | 0.6336% | 2,645 |
| Credit loss provision to net charge-offs | 108.0550% | 3,768 |
| Earnings coverage of net charge-offs (x) | 3.5383% | 3,283 |
| Efficiency ratio | 67.9936% | 4,582 |
| Assets per employee ($millions) | 5.4042% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6851% | 225 |
| Loan loss allowance to noncurrent loans | 32.4408% | 6,199 |
| Noncurrent assets plus other real estate owned to assets | 9.6322% | 436 |
| Noncurrent loans to loans | 14.4419% | 188 |
| Net loans and leases to total assets | 45.9091% | 6,783 |
| Net loans and leases to deposits | 62.0852% | 6,227 |
| Net loans and leases to core deposits | 131.0831% | 402 |
| Total domestic deposits to total assets | 73.9453% | 6,978 |
| Equity capital to assets | 10.6863% | 3,181 |
| Core capital (leverage) ratio | 9.9008% | 3,284 |
| Tier 1 risk-based capital ratio | 18.0864% | 1,938 |
| Total risk-based capital ratio | 19.3703% | 1,898 |
| Memoranda: | ||
| Average total assets | $333,566,330 | 1,994 |
| Average earning assets | $306,288,670 | 1,989 |
| Average equity | $34,732,000 | 1,923 |
| Average total loans | $160,674,330 | 2,686 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0789% | 4,633 |
| Cost of funding earning assets | 1.4413% | 3,930 |
| Net interest margin | 3.6376% | 4,549 |
| Noninterest income to average assets | 0.3112% | 5,661 |
| Noninterest expense to average assets | 2.2997% | 6,377 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9091% | 2,508 |
| Return on assets (ROA) | 1.0074% | 2,216 |
| Pretax return on assets | 1.4950% | 1,534 |
| Return on Equity (ROE) | 9.8016% | 2,170 |
| Retained earnings to average equity (ytd only) | 9.8016% | 1,187 |
| Net charge-offs to loans | 0.2376% | 3,514 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 11.7813% | 1,620 |
| Efficiency ratio | 63.0392% | 5,654 |
| Assets per employee ($millions) | 5.6190% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5475% | 247 |
| Loan loss allowance to noncurrent loans | 30.0853% | 6,393 |
| Noncurrent assets plus other real estate owned to assets | 9.7417% | 417 |
| Noncurrent loans to loans | 15.1153% | 174 |
| Net loans and leases to total assets | 45.4620% | 6,875 |
| Net loans and leases to deposits | 60.8920% | 6,375 |
| Net loans and leases to core deposits | 121.8828% | 712 |
| Total domestic deposits to total assets | 74.6600% | 6,959 |
| Equity capital to assets | 10.3924% | 3,353 |
| Core capital (leverage) ratio | 10.0096% | 3,154 |
| Tier 1 risk-based capital ratio | 17.8880% | 1,972 |
| Total risk-based capital ratio | 19.1707% | 1,934 |
| Memoranda: | ||
| Average total assets | $335,521,500 | 2,037 |
| Average earning assets | $307,781,500 | 2,032 |
| Average equity | $34,484,000 | 1,960 |
| Average total loans | $161,621,000 | 2,737 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4688% | 4,336 |
| Cost of funding earning assets | 1.8785% | 3,570 |
| Net interest margin | 3.5903% | 4,584 |
| Noninterest income to average assets | 0.1129% | 7,191 |
| Noninterest expense to average assets | 2.1625% | 7,063 |
| Loan and lease loss provision to assets | 2.7304% | 686 |
| Net operating income to assets | -0.8825% | 6,500 |
| Return on assets (ROA) | -1.0003% | 6,579 |
| Pretax return on assets | -1.6692% | 6,797 |
| Return on Equity (ROE) | -8.9292% | 6,536 |
| Retained earnings to average equity (ytd only) | -8.9292% | 6,423 |
| Net charge-offs to loans | 3.2658% | 619 |
| Credit loss provision to net charge-offs | 149.6153% | 3,114 |
| Earnings coverage of net charge-offs (x) | 0.6823% | 5,414 |
| Efficiency ratio | 63.4591% | 5,879 |
| Assets per employee ($millions) | 5.5651% | 1,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5479% | 240 |
| Loan loss allowance to noncurrent loans | 40.2065% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 8.5099% | 496 |
| Noncurrent loans to loans | 11.3112% | 325 |
| Net loans and leases to total assets | 46.5020% | 6,935 |
| Net loans and leases to deposits | 62.2056% | 6,445 |
| Net loans and leases to core deposits | 103.5340% | 3,623 |
| Total domestic deposits to total assets | 74.7553% | 6,905 |
| Equity capital to assets | 10.1619% | 3,544 |
| Core capital (leverage) ratio | 9.8450% | 3,276 |
| Tier 1 risk-based capital ratio | 17.0895% | 2,131 |
| Total risk-based capital ratio | 18.3714% | 2,078 |
| Memoranda: | ||
| Average total assets | $320,505,000 | 2,110 |
| Average earning assets | $294,123,400 | 2,106 |
| Average equity | $35,904,800 | 1,876 |
| Average total loans | $179,097,000 | 2,526 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6369% | 3,662 |
| Cost of funding earning assets | 1.9687% | 3,523 |
| Net interest margin | 3.6683% | 4,212 |
| Noninterest income to average assets | -0.0034% | 7,857 |
| Noninterest expense to average assets | 2.2197% | 6,922 |
| Loan and lease loss provision to assets | 2.0200% | 891 |
| Net operating income to assets | -0.4381% | 6,366 |
| Return on assets (ROA) | -0.3582% | 6,276 |
| Pretax return on assets | -0.7483% | 6,518 |
| Return on Equity (ROE) | -3.1209% | 6,260 |
| Retained earnings to average equity (ytd only) | -3.1209% | 5,959 |
| Net charge-offs to loans | 2.1411% | 902 |
| Credit loss provision to net charge-offs | 163.3243% | 2,888 |
| Earnings coverage of net charge-offs (x) | 0.9273% | 5,130 |
| Efficiency ratio | 65.9341% | 5,377 |
| Assets per employee ($millions) | 5.6499% | 1,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4199% | 454 |
| Loan loss allowance to noncurrent loans | 37.3739% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 7.7411% | 567 |
| Noncurrent loans to loans | 9.1505% | 483 |
| Net loans and leases to total assets | 51.6412% | 6,637 |
| Net loans and leases to deposits | 70.7490% | 5,820 |
| Net loans and leases to core deposits | 111.3105% | 3,090 |
| Total domestic deposits to total assets | 72.9921% | 7,087 |
| Equity capital to assets | 11.2335% | 2,809 |
| Core capital (leverage) ratio | 10.9161% | 2,467 |
| Tier 1 risk-based capital ratio | 17.6438% | 2,087 |
| Total risk-based capital ratio | 18.9148% | 2,032 |
| Memoranda: | ||
| Average total assets | $317,155,250 | 2,137 |
| Average earning assets | $291,357,000 | 2,131 |
| Average equity | $36,398,250 | 1,870 |
| Average total loans | $183,203,750 | 2,499 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5945% | 4,105 |
| Cost of funding earning assets | 2.0744% | 3,395 |
| Net interest margin | 3.5201% | 4,702 |
| Noninterest income to average assets | 0.3917% | 5,363 |
| Noninterest expense to average assets | 2.2033% | 7,047 |
| Loan and lease loss provision to assets | 0.3062% | 4,116 |
| Net operating income to assets | 0.8331% | 2,729 |
| Return on assets (ROA) | 0.9324% | 2,428 |
| Pretax return on assets | 1.2481% | 2,171 |
| Return on Equity (ROE) | 8.0665% | 2,745 |
| Retained earnings to average equity (ytd only) | 8.0665% | 1,188 |
| Net charge-offs to loans | 0.1777% | 4,464 |
| Credit loss provision to net charge-offs | 290.9639% | 1,604 |
| Earnings coverage of net charge-offs (x) | 13.5120% | 1,734 |
| Efficiency ratio | 60.7799% | 6,433 |
| Assets per employee ($millions) | 5.7548% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3713% | 1,023 |
| Loan loss allowance to noncurrent loans | 22.4034% | 6,994 |
| Noncurrent assets plus other real estate owned to assets | 8.2818% | 449 |
| Noncurrent loans to loans | 10.5846% | 311 |
| Net loans and leases to total assets | 56.4785% | 6,158 |
| Net loans and leases to deposits | 78.3021% | 4,817 |
| Net loans and leases to core deposits | 122.8139% | 2,131 |
| Total domestic deposits to total assets | 72.1290% | 7,229 |
| Equity capital to assets | 11.6358% | 2,438 |
| Core capital (leverage) ratio | 11.7877% | 1,926 |
| Tier 1 risk-based capital ratio | 17.9856% | 2,029 |
| Total risk-based capital ratio | 19.2458% | 1,957 |
| Memoranda: | ||
| Average total assets | $315,524,670 | 2,168 |
| Average earning assets | $289,819,000 | 2,171 |
| Average equity | $36,472,000 | 1,871 |
| Average total loans | $186,872,330 | 2,492 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4672% | 5,080 |
| Cost of funding earning assets | 2.1751% | 3,295 |
| Net interest margin | 3.2921% | 5,521 |
| Noninterest income to average assets | 0.2209% | 6,707 |
| Noninterest expense to average assets | 2.0785% | 7,170 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7064% | 3,522 |
| Return on assets (ROA) | 0.8291% | 3,154 |
| Pretax return on assets | 1.3802% | 2,026 |
| Return on Equity (ROE) | 7.1969% | 3,505 |
| Retained earnings to average equity (ytd only) | 7.1969% | 2,135 |
| Net charge-offs to loans | 0.4344% | 2,372 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 4.5659% | 2,857 |
| Efficiency ratio | 63.6222% | 5,757 |
| Assets per employee ($millions) | 5.7105% | 1,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0355% | 1,345 |
| Loan loss allowance to noncurrent loans | 15.7623% | 7,371 |
| Noncurrent assets plus other real estate owned to assets | 8.4637% | 328 |
| Noncurrent loans to loans | 12.9137% | 150 |
| Net loans and leases to total assets | 57.4907% | 6,027 |
| Net loans and leases to deposits | 79.2466% | 4,732 |
| Net loans and leases to core deposits | 124.3736% | 2,052 |
| Total domestic deposits to total assets | 72.5466% | 7,126 |
| Equity capital to assets | 11.4660% | 2,608 |
| Core capital (leverage) ratio | 11.6442% | 2,071 |
| Tier 1 risk-based capital ratio | 17.4339% | 2,206 |
| Total risk-based capital ratio | 18.6909% | 2,149 |
| Memoranda: | ||
| Average total assets | $315,029,500 | 2,185 |
| Average earning assets | $291,481,500 | 2,175 |
| Average equity | $36,293,500 | 1,882 |
| Average total loans | $188,756,000 | 2,485 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5111% | 2,904 |
| Cost of funding earning assets | 2.9051% | 2,246 |
| Net interest margin | 3.6060% | 4,860 |
| Noninterest income to average assets | 0.2424% | 6,709 |
| Noninterest expense to average assets | 2.0011% | 7,441 |
| Loan and lease loss provision to assets | 0.7668% | 1,945 |
| Net operating income to assets | 0.5798% | 4,395 |
| Return on assets (ROA) | 0.5903% | 4,216 |
| Pretax return on assets | 0.8589% | 3,855 |
| Return on Equity (ROE) | 5.0666% | 4,354 |
| Retained earnings to average equity (ytd only) | 4.4983% | 2,330 |
| Net charge-offs to loans | 0.2583% | 3,691 |
| Credit loss provision to net charge-offs | 468.8259% | 942 |
| Earnings coverage of net charge-offs (x) | 9.8462% | 2,621 |
| Efficiency ratio | 55.4089% | 7,100 |
| Assets per employee ($millions) | 5.5405% | 1,426 |
| Cash dividends to net income (ytd only)* | 11.2170% | 4,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1207% | 1,042 |
| Loan loss allowance to noncurrent loans | 28.9141% | 6,768 |
| Noncurrent assets plus other real estate owned to assets | 5.6838% | 549 |
| Noncurrent loans to loans | 7.3345% | 394 |
| Net loans and leases to total assets | 59.8888% | 5,926 |
| Net loans and leases to deposits | 83.2137% | 4,544 |
| Net loans and leases to core deposits | 128.6287% | 1,953 |
| Total domestic deposits to total assets | 71.9699% | 7,001 |
| Equity capital to assets | 11.5770% | 2,584 |
| Core capital (leverage) ratio | 11.7167% | 2,117 |
| Tier 1 risk-based capital ratio | 17.2035% | 2,252 |
| Total risk-based capital ratio | 18.4615% | 2,202 |
| Memoranda: | ||
| Average total assets | $302,029,000 | 2,194 |
| Average earning assets | $282,195,600 | 2,161 |
| Average equity | $35,191,000 | 1,919 |
| Average total loans | $191,225,800 | 2,379 |