Home > Valley Savings Bank > Performance and Condition Ratios
Valley Savings Bank, Performance and Condition Ratios
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8854% | 936 |
| Cost of funding earning assets | 0.4822% | 3,005 |
| Net interest margin | 4.4032% | 844 |
| Noninterest income to average assets | 0.5371% | 3,222 |
| Noninterest expense to average assets | 3.7719% | 1,009 |
| Loan and lease loss provision to assets | 0.0389% | 3,527 |
| Net operating income to assets | 0.5184% | 4,733 |
| Return on assets (ROA) | 0.5184% | 4,830 |
| Pretax return on assets | 0.7348% | 4,522 |
| Return on Equity (ROE) | 5.3910% | 4,486 |
| Retained earnings to average equity (ytd only) | 4.0958% | 3,569 |
| Net charge-offs to loans | 0.0391% | 3,443 |
| Credit loss provision to net charge-offs | 108.6957% | 1,844 |
| Earnings coverage of net charge-offs (x) | 21.6087% | 1,535 |
| Efficiency ratio | 82.9795% | 1,633 |
| Assets per employee ($millions) | 4.3223% | 3,226 |
| Cash dividends to net income (ytd only)* | 24.0240% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9022% | 5,717 |
| Loan loss allowance to noncurrent loans | 267.9198% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 5,094 |
| Noncurrent loans to loans | 0.3367% | 5,008 |
| Net loans and leases to total assets | 90.5574% | 41 |
| Net loans and leases to deposits | 115.5850% | 124 |
| Net loans and leases to core deposits | 115.8736% | 477 |
| Total domestic deposits to total assets | 78.3470% | 5,573 |
| Equity capital to assets | 9.6331% | 4,579 |
| Core capital (leverage) ratio | 9.6601% | 4,098 |
| Tier 1 risk-based capital ratio | 12.5276% | 5,213 |
| Total risk-based capital ratio | 13.5997% | 5,252 |
| Memoranda: | ||
| Average total assets | $128,477,000 | 4,065 |
| Average earning assets | $116,961,330 | 4,083 |
| Average equity | $12,354,000 | 4,334 |
| Average total loans | $117,576,670 | 3,112 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9130% | 852 |
| Cost of funding earning assets | 0.4875% | 3,035 |
| Net interest margin | 4.4254% | 762 |
| Noninterest income to average assets | 0.5255% | 3,226 |
| Noninterest expense to average assets | 3.7034% | 1,126 |
| Loan and lease loss provision to assets | 0.0782% | 2,586 |
| Net operating income to assets | 0.5474% | 4,468 |
| Return on assets (ROA) | 0.5474% | 4,538 |
| Pretax return on assets | 0.7757% | 4,198 |
| Return on Equity (ROE) | 5.6978% | 4,184 |
| Retained earnings to average equity (ytd only) | 3.0931% | 4,263 |
| Net charge-offs to loans | 0.0649% | 2,506 |
| Credit loss provision to net charge-offs | 131.5789% | 1,373 |
| Earnings coverage of net charge-offs (x) | 14.3684% | 1,613 |
| Efficiency ratio | 81.2629% | 2,019 |
| Assets per employee ($millions) | 4.2859% | 3,368 |
| Cash dividends to net income (ytd only)* | 45.7143% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9165% | 5,819 |
| Loan loss allowance to noncurrent loans | 130.6943% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.6634% | 4,133 |
| Noncurrent loans to loans | 0.7013% | 4,112 |
| Net loans and leases to total assets | 90.2182% | 42 |
| Net loans and leases to deposits | 110.6523% | 142 |
| Net loans and leases to core deposits | 110.9200% | 556 |
| Total domestic deposits to total assets | 81.5331% | 5,078 |
| Equity capital to assets | 9.5920% | 4,365 |
| Core capital (leverage) ratio | 9.6587% | 4,050 |
| Tier 1 risk-based capital ratio | 12.5566% | 5,280 |
| Total risk-based capital ratio | 13.6491% | 5,307 |
| Memoranda: | ||
| Average total assets | $127,881,500 | 4,107 |
| Average earning assets | $116,508,000 | 4,128 |
| Average equity | $12,285,500 | 4,373 |
| Average total loans | $117,118,500 | 3,135 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0797% | 790 |
| Cost of funding earning assets | 0.5087% | 3,518 |
| Net interest margin | 4.5710% | 645 |
| Noninterest income to average assets | 0.7038% | 2,521 |
| Noninterest expense to average assets | 3.7489% | 1,218 |
| Loan and lease loss provision to assets | 0.1122% | 2,939 |
| Net operating income to assets | 0.7005% | 3,792 |
| Return on assets (ROA) | 0.7005% | 3,876 |
| Pretax return on assets | 1.0056% | 3,328 |
| Return on Equity (ROE) | 7.3625% | 3,378 |
| Retained earnings to average equity (ytd only) | 7.3625% | 1,290 |
| Net charge-offs to loans | 0.1153% | 3,658 |
| Credit loss provision to net charge-offs | 106.1069% | 2,272 |
| Earnings coverage of net charge-offs (x) | 10.5725% | 2,348 |
| Efficiency ratio | 77.0315% | 2,614 |
| Assets per employee ($millions) | 4.1028% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 5,889 |
| Loan loss allowance to noncurrent loans | 118.1617% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.7351% | 4,042 |
| Noncurrent loans to loans | 0.7707% | 4,039 |
| Net loans and leases to total assets | 91.2813% | 30 |
| Net loans and leases to deposits | 111.5512% | 148 |
| Net loans and leases to core deposits | 111.8230% | 545 |
| Total domestic deposits to total assets | 81.8291% | 4,936 |
| Equity capital to assets | 9.6221% | 4,256 |
| Core capital (leverage) ratio | 9.4981% | 4,275 |
| Tier 1 risk-based capital ratio | 12.5032% | 5,288 |
| Total risk-based capital ratio | 13.5933% | 5,323 |
| Memoranda: | ||
| Average total assets | $123,903,600 | 4,185 |
| Average earning assets | $112,840,800 | 4,203 |
| Average equity | $11,789,400 | 4,487 |
| Average total loans | $113,653,000 | 3,176 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0860% | 791 |
| Cost of funding earning assets | 0.5097% | 3,678 |
| Net interest margin | 4.5763% | 646 |
| Noninterest income to average assets | 0.7290% | 2,463 |
| Noninterest expense to average assets | 3.7481% | 1,168 |
| Loan and lease loss provision to assets | 0.1452% | 2,464 |
| Net operating income to assets | 0.6955% | 3,883 |
| Return on assets (ROA) | 0.6955% | 4,020 |
| Pretax return on assets | 0.9988% | 3,507 |
| Return on Equity (ROE) | 7.3303% | 3,469 |
| Retained earnings to average equity (ytd only) | 7.3303% | 1,717 |
| Net charge-offs to loans | 0.1300% | 3,232 |
| Credit loss provision to net charge-offs | 121.8182% | 1,935 |
| Earnings coverage of net charge-offs (x) | 9.6002% | 2,466 |
| Efficiency ratio | 76.6165% | 2,627 |
| Assets per employee ($millions) | 4.1407% | 3,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 6,009 |
| Loan loss allowance to noncurrent loans | 116.4516% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.7245% | 4,295 |
| Noncurrent loans to loans | 0.7891% | 4,267 |
| Net loans and leases to total assets | 90.9763% | 26 |
| Net loans and leases to deposits | 115.3646% | 102 |
| Net loans and leases to core deposits | 115.6537% | 402 |
| Total domestic deposits to total assets | 78.8598% | 5,769 |
| Equity capital to assets | 9.3579% | 4,734 |
| Core capital (leverage) ratio | 9.5001% | 4,405 |
| Tier 1 risk-based capital ratio | 12.1771% | 5,666 |
| Total risk-based capital ratio | 13.2750% | 5,702 |
| Memoranda: | ||
| Average total assets | $123,082,750 | 4,245 |
| Average earning assets | $111,965,000 | 4,262 |
| Average equity | $11,677,250 | 4,560 |
| Average total loans | $112,775,000 | 3,213 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0978% | 775 |
| Cost of funding earning assets | 0.5169% | 3,735 |
| Net interest margin | 4.5810% | 617 |
| Noninterest income to average assets | 0.7649% | 2,351 |
| Noninterest expense to average assets | 3.8360% | 1,053 |
| Loan and lease loss provision to assets | 0.1467% | 2,499 |
| Net operating income to assets | 0.6594% | 4,022 |
| Return on assets (ROA) | 0.6594% | 4,174 |
| Pretax return on assets | 0.9462% | 3,729 |
| Return on Equity (ROE) | 6.9170% | 3,651 |
| Retained earnings to average equity (ytd only) | 6.9170% | 1,920 |
| Net charge-offs to loans | 0.1152% | 3,210 |
| Credit loss provision to net charge-offs | 139.0625% | 1,631 |
| Earnings coverage of net charge-offs (x) | 10.3594% | 2,160 |
| Efficiency ratio | 77.8261% | 2,488 |
| Assets per employee ($millions) | 4.1838% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 6,008 |
| Loan loss allowance to noncurrent loans | 115.0743% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.7505% | 4,335 |
| Noncurrent loans to loans | 0.8212% | 4,272 |
| Net loans and leases to total assets | 90.5254% | 33 |
| Net loans and leases to deposits | 112.2457% | 111 |
| Net loans and leases to core deposits | 112.5270% | 471 |
| Total domestic deposits to total assets | 80.6493% | 5,436 |
| Equity capital to assets | 9.3774% | 4,747 |
| Core capital (leverage) ratio | 9.5408% | 4,179 |
| Tier 1 risk-based capital ratio | 12.3136% | 5,616 |
| Total risk-based capital ratio | 13.4477% | 5,626 |
| Memoranda: | ||
| Average total assets | $121,323,000 | 4,320 |
| Average earning assets | $110,282,000 | 4,333 |
| Average equity | $11,565,670 | 4,615 |
| Average total loans | $111,079,330 | 3,252 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0980% | 742 |
| Cost of funding earning assets | 0.5275% | 3,809 |
| Net interest margin | 4.5705% | 591 |
| Noninterest income to average assets | 0.7918% | 2,153 |
| Noninterest expense to average assets | 3.9521% | 940 |
| Loan and lease loss provision to assets | 0.1006% | 2,997 |
| Net operating income to assets | 0.6274% | 4,092 |
| Return on assets (ROA) | 0.6274% | 4,245 |
| Pretax return on assets | 0.8958% | 3,782 |
| Return on Equity (ROE) | 6.5251% | 3,751 |
| Retained earnings to average equity (ytd only) | 6.5251% | 2,398 |
| Net charge-offs to loans | 0.2087% | 2,165 |
| Credit loss provision to net charge-offs | 52.6316% | 2,562 |
| Earnings coverage of net charge-offs (x) | 5.2105% | 2,395 |
| Efficiency ratio | 79.8644% | 2,353 |
| Assets per employee ($millions) | 4.0187% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9387% | 6,164 |
| Loan loss allowance to noncurrent loans | 145.3521% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.5889% | 4,920 |
| Noncurrent loans to loans | 0.6458% | 4,831 |
| Net loans and leases to total assets | 90.3336% | 34 |
| Net loans and leases to deposits | 110.3883% | 121 |
| Net loans and leases to core deposits | 110.6721% | 477 |
| Total domestic deposits to total assets | 81.8326% | 5,258 |
| Equity capital to assets | 9.5859% | 4,729 |
| Core capital (leverage) ratio | 9.7219% | 3,763 |
| Tier 1 risk-based capital ratio | 12.5622% | 5,546 |
| Total risk-based capital ratio | 13.6840% | 5,566 |
| Memoranda: | ||
| Average total assets | $119,227,000 | 4,413 |
| Average earning assets | $108,434,000 | 4,413 |
| Average equity | $11,463,500 | 4,683 |
| Average total loans | $109,265,500 | 3,302 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4067% | 748 |
| Cost of funding earning assets | 0.6331% | 4,068 |
| Net interest margin | 4.7736% | 568 |
| Noninterest income to average assets | 0.9606% | 1,663 |
| Noninterest expense to average assets | 3.7836% | 1,283 |
| Loan and lease loss provision to assets | 0.1583% | 3,634 |
| Net operating income to assets | 0.9246% | 2,680 |
| Return on assets (ROA) | 0.9246% | 2,926 |
| Pretax return on assets | 1.3433% | 2,236 |
| Return on Equity (ROE) | 9.6583% | 2,332 |
| Retained earnings to average equity (ytd only) | 8.2983% | 1,032 |
| Net charge-offs to loans | 0.0039% | 5,925 |
| Credit loss provision to net charge-offs | 4,500.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 426.7500% | 93 |
| Efficiency ratio | 71.5879% | 3,503 |
| Assets per employee ($millions) | 3.9297% | 4,078 |
| Cash dividends to net income (ytd only)* | 14.0818% | 3,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 6,048 |
| Loan loss allowance to noncurrent loans | 333.0189% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3138% | 5,730 |
| Noncurrent loans to loans | 0.2928% | 5,747 |
| Net loans and leases to total assets | 91.2123% | 27 |
| Net loans and leases to deposits | 111.7796% | 138 |
| Net loans and leases to core deposits | 112.5612% | 452 |
| Total domestic deposits to total assets | 81.6001% | 5,227 |
| Equity capital to assets | 9.6444% | 4,669 |
| Core capital (leverage) ratio | 9.7007% | 3,803 |
| Tier 1 risk-based capital ratio | 12.6022% | 5,395 |
| Total risk-based capital ratio | 13.7760% | 5,410 |
| Memoranda: | ||
| Average total assets | $113,676,200 | 4,505 |
| Average earning assets | $102,983,400 | 4,513 |
| Average equity | $10,881,800 | 4,783 |
| Average total loans | $103,740,400 | 3,439 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4383% | 765 |
| Cost of funding earning assets | 0.6523% | 4,174 |
| Net interest margin | 4.7860% | 574 |
| Noninterest income to average assets | 0.8323% | 2,111 |
| Noninterest expense to average assets | 3.7765% | 1,251 |
| Loan and lease loss provision to assets | 0.1871% | 3,251 |
| Net operating income to assets | 0.8216% | 3,337 |
| Return on assets (ROA) | 0.8216% | 3,577 |
| Pretax return on assets | 1.1945% | 3,004 |
| Return on Equity (ROE) | 8.5997% | 2,995 |
| Retained earnings to average equity (ytd only) | 7.7572% | 1,724 |
| Net charge-offs to loans | 0.0026% | 5,732 |
| Credit loss provision to net charge-offs | 7,900.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 582.7566% | 73 |
| Efficiency ratio | 73.2155% | 3,117 |
| Assets per employee ($millions) | 3.8335% | 4,230 |
| Cash dividends to net income (ytd only)* | 9.7978% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 6,234 |
| Loan loss allowance to noncurrent loans | 410.6719% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 6,031 |
| Noncurrent loans to loans | 0.2323% | 6,026 |
| Net loans and leases to total assets | 90.7722% | 37 |
| Net loans and leases to deposits | 115.1521% | 101 |
| Net loans and leases to core deposits | 115.9791% | 386 |
| Total domestic deposits to total assets | 78.8281% | 5,912 |
| Equity capital to assets | 9.3346% | 5,427 |
| Core capital (leverage) ratio | 9.6266% | 4,087 |
| Tier 1 risk-based capital ratio | 12.4047% | 5,699 |
| Total risk-based capital ratio | 13.5665% | 5,729 |
| Memoranda: | ||
| Average total assets | $112,622,250 | 4,570 |
| Average earning assets | $101,794,250 | 4,599 |
| Average equity | $10,759,750 | 4,858 |
| Average total loans | $102,527,750 | 3,499 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4865% | 741 |
| Cost of funding earning assets | 0.6720% | 4,256 |
| Net interest margin | 4.8145% | 544 |
| Noninterest income to average assets | 0.8304% | 2,055 |
| Noninterest expense to average assets | 3.8444% | 1,151 |
| Loan and lease loss provision to assets | 0.1755% | 3,347 |
| Net operating income to assets | 0.7942% | 3,414 |
| Return on assets (ROA) | 0.7942% | 3,669 |
| Pretax return on assets | 1.1524% | 3,112 |
| Return on Equity (ROE) | 8.2452% | 3,145 |
| Retained earnings to average equity (ytd only) | 6.9680% | 2,120 |
| Net charge-offs to loans | -0.0040% | 6,137 |
| Credit loss provision to net charge-offs | -4,850.0000% | 6,562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3267% | 3,025 |
| Assets per employee ($millions) | 3.7419% | 4,436 |
| Cash dividends to net income (ytd only)* | 15.4897% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 6,304 |
| Loan loss allowance to noncurrent loans | 155.8730% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.6191% | 5,226 |
| Noncurrent loans to loans | 0.6141% | 5,285 |
| Net loans and leases to total assets | 90.5066% | 35 |
| Net loans and leases to deposits | 108.5760% | 171 |
| Net loans and leases to core deposits | 109.3555% | 601 |
| Total domestic deposits to total assets | 83.3578% | 4,601 |
| Equity capital to assets | 9.6546% | 4,820 |
| Core capital (leverage) ratio | 9.7747% | 3,751 |
| Tier 1 risk-based capital ratio | 12.7160% | 5,406 |
| Total risk-based capital ratio | 13.8682% | 5,463 |
| Memoranda: | ||
| Average total assets | $110,550,670 | 4,650 |
| Average earning assets | $99,699,000 | 4,674 |
| Average equity | $10,648,670 | 4,884 |
| Average total loans | $100,400,330 | 3,561 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5122% | 740 |
| Cost of funding earning assets | 0.6976% | 4,303 |
| Net interest margin | 4.8145% | 548 |
| Noninterest income to average assets | 0.9262% | 1,641 |
| Noninterest expense to average assets | 3.8068% | 1,205 |
| Loan and lease loss provision to assets | 0.1641% | 3,338 |
| Net operating income to assets | 0.8824% | 3,006 |
| Return on assets (ROA) | 0.8824% | 3,223 |
| Pretax return on assets | 1.2835% | 2,594 |
| Return on Equity (ROE) | 9.1719% | 2,747 |
| Retained earnings to average equity (ytd only) | 6.5947% | 2,636 |
| Net charge-offs to loans | -0.0040% | 5,776 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4497% | 3,353 |
| Assets per employee ($millions) | 3.8282% | 4,364 |
| Cash dividends to net income (ytd only)* | 28.0992% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9277% | 6,482 |
| Loan loss allowance to noncurrent loans | 106.7816% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.8485% | 4,834 |
| Noncurrent loans to loans | 0.8688% | 4,930 |
| Net loans and leases to total assets | 89.3649% | 50 |
| Net loans and leases to deposits | 106.6394% | 193 |
| Net loans and leases to core deposits | 107.7162% | 622 |
| Total domestic deposits to total assets | 83.8010% | 4,589 |
| Equity capital to assets | 9.5848% | 4,669 |
| Core capital (leverage) ratio | 9.5848% | 3,938 |
| Tier 1 risk-based capital ratio | 12.7518% | 5,401 |
| Total risk-based capital ratio | 13.8651% | 5,480 |
| Memoranda: | ||
| Average total assets | $109,697,500 | 4,717 |
| Average earning assets | $98,618,000 | 4,724 |
| Average equity | $10,554,000 | 4,913 |
| Average total loans | $99,309,500 | 3,614 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6543% | 860 |
| Cost of funding earning assets | 0.8658% | 4,351 |
| Net interest margin | 4.7886% | 643 |
| Noninterest income to average assets | 0.7052% | 2,575 |
| Noninterest expense to average assets | 3.6597% | 1,617 |
| Loan and lease loss provision to assets | 0.1952% | 4,230 |
| Net operating income to assets | 0.8145% | 2,979 |
| Return on assets (ROA) | 0.8145% | 3,147 |
| Pretax return on assets | 1.1797% | 2,527 |
| Return on Equity (ROE) | 8.7000% | 2,591 |
| Retained earnings to average equity (ytd only) | 8.7000% | 878 |
| Net charge-offs to loans | 0.1438% | 4,998 |
| Credit loss provision to net charge-offs | 149.2857% | 1,899 |
| Earnings coverage of net charge-offs (x) | 10.5143% | 1,829 |
| Efficiency ratio | 72.6902% | 3,449 |
| Assets per employee ($millions) | 3.7371% | 4,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8966% | 6,543 |
| Loan loss allowance to noncurrent loans | 140.8293% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.6966% | 5,251 |
| Noncurrent loans to loans | 0.6367% | 5,443 |
| Net loans and leases to total assets | 90.0522% | 40 |
| Net loans and leases to deposits | 107.5913% | 215 |
| Net loans and leases to core deposits | 108.3883% | 680 |
| Total domestic deposits to total assets | 83.6984% | 4,449 |
| Equity capital to assets | 9.6580% | 4,664 |
| Core capital (leverage) ratio | 9.7318% | 3,699 |
| Tier 1 risk-based capital ratio | 12.7838% | 5,252 |
| Total risk-based capital ratio | 13.8623% | 5,348 |
| Memoranda: | ||
| Average total assets | $107,057,000 | 4,705 |
| Average earning assets | $96,792,800 | 4,719 |
| Average equity | $10,023,000 | 5,011 |
| Average total loans | $97,369,600 | 3,687 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6835% | 876 |
| Cost of funding earning assets | 0.9033% | 4,375 |
| Net interest margin | 4.7802% | 651 |
| Noninterest income to average assets | 0.6521% | 2,864 |
| Noninterest expense to average assets | 3.6366% | 1,637 |
| Loan and lease loss provision to assets | 0.1949% | 4,071 |
| Net operating income to assets | 0.7920% | 3,202 |
| Return on assets (ROA) | 0.7920% | 3,369 |
| Pretax return on assets | 1.1443% | 2,840 |
| Return on Equity (ROE) | 8.5281% | 2,805 |
| Retained earnings to average equity (ytd only) | 8.5281% | 1,303 |
| Net charge-offs to loans | 0.1840% | 4,326 |
| Credit loss provision to net charge-offs | 116.4179% | 2,808 |
| Earnings coverage of net charge-offs (x) | 8.0001% | 2,261 |
| Efficiency ratio | 73.0856% | 3,348 |
| Assets per employee ($millions) | 3.7054% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8577% | 6,706 |
| Loan loss allowance to noncurrent loans | 153.3945% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.6095% | 5,602 |
| Noncurrent loans to loans | 0.5592% | 5,746 |
| Net loans and leases to total assets | 89.9234% | 41 |
| Net loans and leases to deposits | 107.4814% | 221 |
| Net loans and leases to core deposits | 108.6537% | 740 |
| Total domestic deposits to total assets | 83.6642% | 4,395 |
| Equity capital to assets | 9.5192% | 5,055 |
| Core capital (leverage) ratio | 9.4423% | 4,237 |
| Tier 1 risk-based capital ratio | 12.7773% | 5,269 |
| Total risk-based capital ratio | 13.8216% | 5,417 |
| Memoranda: | ||
| Average total assets | $106,727,250 | 4,742 |
| Average earning assets | $96,534,750 | 4,759 |
| Average equity | $9,912,000 | 5,057 |
| Average total loans | $97,092,500 | 3,721 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6645% | 935 |
| Cost of funding earning assets | 0.9126% | 4,567 |
| Net interest margin | 4.7519% | 654 |
| Noninterest income to average assets | 0.6517% | 2,823 |
| Noninterest expense to average assets | 3.6513% | 1,623 |
| Loan and lease loss provision to assets | 0.1709% | 4,225 |
| Net operating income to assets | 0.7851% | 3,137 |
| Return on assets (ROA) | 0.7851% | 3,265 |
| Pretax return on assets | 1.1326% | 2,719 |
| Return on Equity (ROE) | 8.5251% | 2,708 |
| Retained earnings to average equity (ytd only) | 8.5251% | 1,259 |
| Net charge-offs to loans | 0.2124% | 3,867 |
| Credit loss provision to net charge-offs | 88.3495% | 3,505 |
| Earnings coverage of net charge-offs (x) | 6.7379% | 2,345 |
| Efficiency ratio | 73.6922% | 3,418 |
| Assets per employee ($millions) | 3.5932% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8182% | 6,834 |
| Loan loss allowance to noncurrent loans | 198.0247% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.6392% | 5,635 |
| Noncurrent loans to loans | 0.4132% | 6,076 |
| Net loans and leases to total assets | 90.1907% | 40 |
| Net loans and leases to deposits | 107.2948% | 233 |
| Net loans and leases to core deposits | 108.7713% | 767 |
| Total domestic deposits to total assets | 84.0588% | 4,318 |
| Equity capital to assets | 9.2888% | 5,158 |
| Core capital (leverage) ratio | 9.3434% | 4,187 |
| Tier 1 risk-based capital ratio | 12.4350% | 5,412 |
| Total risk-based capital ratio | 13.4309% | 5,613 |
| Memoranda: | ||
| Average total assets | $106,484,000 | 4,793 |
| Average earning assets | $96,425,000 | 4,799 |
| Average equity | $9,806,330 | 5,098 |
| Average total loans | $96,968,330 | 3,768 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7076% | 867 |
| Cost of funding earning assets | 0.9019% | 4,910 |
| Net interest margin | 4.8057% | 565 |
| Noninterest income to average assets | 0.6426% | 2,887 |
| Noninterest expense to average assets | 3.6739% | 1,588 |
| Loan and lease loss provision to assets | 0.1398% | 4,257 |
| Net operating income to assets | 0.8164% | 2,947 |
| Return on assets (ROA) | 0.8164% | 3,004 |
| Pretax return on assets | 1.1793% | 2,451 |
| Return on Equity (ROE) | 8.9045% | 2,510 |
| Retained earnings to average equity (ytd only) | 8.9045% | 1,408 |
| Net charge-offs to loans | 0.0456% | 4,485 |
| Credit loss provision to net charge-offs | 336.3636% | 965 |
| Earnings coverage of net charge-offs (x) | 31.7273% | 804 |
| Efficiency ratio | 73.5806% | 3,597 |
| Assets per employee ($millions) | 3.6322% | 4,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8772% | 6,753 |
| Loan loss allowance to noncurrent loans | 428.5714% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 6,130 |
| Noncurrent loans to loans | 0.2047% | 6,563 |
| Net loans and leases to total assets | 90.1134% | 39 |
| Net loans and leases to deposits | 116.4203% | 113 |
| Net loans and leases to core deposits | 117.8426% | 479 |
| Total domestic deposits to total assets | 77.4035% | 6,466 |
| Equity capital to assets | 9.3141% | 4,702 |
| Core capital (leverage) ratio | 9.1518% | 4,373 |
| Tier 1 risk-based capital ratio | 12.5806% | 5,188 |
| Total risk-based capital ratio | 13.6578% | 5,331 |
| Memoranda: | ||
| Average total assets | $105,828,000 | 4,841 |
| Average earning assets | $95,802,500 | 4,856 |
| Average equity | $9,703,000 | 5,120 |
| Average total loans | $96,440,500 | 3,820 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8288% | 1,202 |
| Cost of funding earning assets | 1.1180% | 5,036 |
| Net interest margin | 4.7108% | 800 |
| Noninterest income to average assets | 0.7454% | 2,561 |
| Noninterest expense to average assets | 3.4905% | 2,207 |
| Loan and lease loss provision to assets | 0.1456% | 5,731 |
| Net operating income to assets | 0.9568% | 2,181 |
| Return on assets (ROA) | 0.9568% | 2,304 |
| Pretax return on assets | 1.3907% | 1,685 |
| Return on Equity (ROE) | 11.2844% | 1,509 |
| Retained earnings to average equity (ytd only) | 9.9176% | 542 |
| Net charge-offs to loans | 0.0426% | 6,379 |
| Credit loss provision to net charge-offs | 373.8095% | 678 |
| Earnings coverage of net charge-offs (x) | 39.4524% | 590 |
| Efficiency ratio | 69.4393% | 4,291 |
| Assets per employee ($millions) | 3.6662% | 4,531 |
| Cash dividends to net income (ytd only)* | 12.1124% | 3,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8381% | 6,886 |
| Loan loss allowance to noncurrent loans | 211.9792% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 5,799 |
| Noncurrent loans to loans | 0.3954% | 6,258 |
| Net loans and leases to total assets | 90.5804% | 45 |
| Net loans and leases to deposits | 127.2357% | 78 |
| Net loans and leases to core deposits | 128.8633% | 348 |
| Total domestic deposits to total assets | 71.1910% | 7,158 |
| Equity capital to assets | 9.0246% | 5,104 |
| Core capital (leverage) ratio | 9.0374% | 4,476 |
| Tier 1 risk-based capital ratio | 12.1536% | 5,335 |
| Total risk-based capital ratio | 13.1846% | 5,516 |
| Memoranda: | ||
| Average total assets | $107,863,200 | 4,777 |
| Average earning assets | $98,030,400 | 4,774 |
| Average equity | $9,145,400 | 5,375 |
| Average total loans | $98,585,000 | 3,841 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8561% | 1,240 |
| Cost of funding earning assets | 1.1813% | 4,973 |
| Net interest margin | 4.6749% | 895 |
| Noninterest income to average assets | 0.7021% | 2,807 |
| Noninterest expense to average assets | 3.4106% | 2,265 |
| Loan and lease loss provision to assets | 0.1490% | 5,548 |
| Net operating income to assets | 0.9570% | 2,385 |
| Return on assets (ROA) | 0.9570% | 2,513 |
| Pretax return on assets | 1.3931% | 1,897 |
| Return on Equity (ROE) | 11.4687% | 1,654 |
| Retained earnings to average equity (ytd only) | 10.6422% | 659 |
| Net charge-offs to loans | 0.0431% | 6,107 |
| Credit loss provision to net charge-offs | 378.1250% | 828 |
| Earnings coverage of net charge-offs (x) | 39.1209% | 694 |
| Efficiency ratio | 68.8635% | 4,295 |
| Assets per employee ($millions) | 3.6796% | 4,549 |
| Cash dividends to net income (ytd only)* | 7.2068% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8101% | 6,981 |
| Loan loss allowance to noncurrent loans | 202.0513% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.6354% | 5,856 |
| Noncurrent loans to loans | 0.4009% | 6,395 |
| Net loans and leases to total assets | 90.4186% | 49 |
| Net loans and leases to deposits | 130.8901% | 66 |
| Net loans and leases to core deposits | 132.0816% | 349 |
| Total domestic deposits to total assets | 69.0798% | 7,324 |
| Equity capital to assets | 8.8176% | 5,832 |
| Core capital (leverage) ratio | 8.7308% | 5,135 |
| Tier 1 risk-based capital ratio | 11.8871% | 5,565 |
| Total risk-based capital ratio | 12.8826% | 5,786 |
| Memoranda: | ||
| Average total assets | $108,248,750 | 4,829 |
| Average earning assets | $98,424,500 | 4,826 |
| Average equity | $9,033,000 | 5,489 |
| Average total loans | $98,951,250 | 3,890 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8493% | 1,304 |
| Cost of funding earning assets | 1.2078% | 5,081 |
| Net interest margin | 4.6415% | 909 |
| Noninterest income to average assets | 0.6381% | 3,075 |
| Noninterest expense to average assets | 3.3559% | 2,389 |
| Loan and lease loss provision to assets | 0.1048% | 5,869 |
| Net operating income to assets | 0.9636% | 2,317 |
| Return on assets (ROA) | 0.9636% | 2,403 |
| Pretax return on assets | 1.4031% | 1,832 |
| Return on Equity (ROE) | 11.7651% | 1,514 |
| Retained earnings to average equity (ytd only) | 10.5078% | 748 |
| Net charge-offs to loans | 0.0161% | 6,114 |
| Credit loss provision to net charge-offs | 712.5000% | 532 |
| Earnings coverage of net charge-offs (x) | 102.5000% | 320 |
| Efficiency ratio | 68.9981% | 4,379 |
| Assets per employee ($millions) | 3.8380% | 4,134 |
| Cash dividends to net income (ytd only)* | 10.6870% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7636% | 7,113 |
| Loan loss allowance to noncurrent loans | 618.1818% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.3573% | 6,539 |
| Noncurrent loans to loans | 0.1235% | 7,021 |
| Net loans and leases to total assets | 90.4574% | 62 |
| Net loans and leases to deposits | 136.1733% | 59 |
| Net loans and leases to core deposits | 137.4537% | 314 |
| Total domestic deposits to total assets | 66.4281% | 7,509 |
| Equity capital to assets | 8.5200% | 6,141 |
| Core capital (leverage) ratio | 8.3756% | 5,619 |
| Tier 1 risk-based capital ratio | 11.5374% | 5,730 |
| Total risk-based capital ratio | 12.4800% | 5,998 |
| Memoranda: | ||
| Average total assets | $108,762,670 | 4,838 |
| Average earning assets | $99,020,000 | 4,842 |
| Average equity | $8,907,670 | 5,527 |
| Average total loans | $99,511,330 | 3,915 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8226% | 1,392 |
| Cost of funding earning assets | 1.2583% | 5,072 |
| Net interest margin | 4.5643% | 1,018 |
| Noninterest income to average assets | 0.6069% | 3,237 |
| Noninterest expense to average assets | 3.3671% | 2,319 |
| Loan and lease loss provision to assets | 0.0877% | 5,761 |
| Net operating income to assets | 0.9030% | 2,530 |
| Return on assets (ROA) | 0.9030% | 2,603 |
| Pretax return on assets | 1.3161% | 2,011 |
| Return on Equity (ROE) | 11.2484% | 1,703 |
| Retained earnings to average equity (ytd only) | 8.6981% | 1,482 |
| Net charge-offs to loans | 0.0199% | 5,310 |
| Credit loss provision to net charge-offs | 480.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 76.8000% | 402 |
| Efficiency ratio | 70.5747% | 4,199 |
| Assets per employee ($millions) | 3.7772% | 4,366 |
| Cash dividends to net income (ytd only)* | 22.6721% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7116% | 7,320 |
| Loan loss allowance to noncurrent loans | 1,751.2195% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 6,784 |
| Noncurrent loans to loans | 0.0406% | 7,309 |
| Net loans and leases to total assets | 91.4506% | 43 |
| Net loans and leases to deposits | 141.7363% | 54 |
| Net loans and leases to core deposits | 143.0785% | 293 |
| Total domestic deposits to total assets | 64.5216% | 7,666 |
| Equity capital to assets | 8.1057% | 6,535 |
| Core capital (leverage) ratio | 8.0820% | 6,117 |
| Tier 1 risk-based capital ratio | 10.8905% | 6,257 |
| Total risk-based capital ratio | 11.7711% | 6,605 |
| Memoranda: | ||
| Average total assets | $109,411,500 | 4,887 |
| Average earning assets | $99,818,500 | 4,880 |
| Average equity | $8,783,500 | 5,596 |
| Average total loans | $100,288,000 | 3,954 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8724% | 2,361 |
| Cost of funding earning assets | 1.8646% | 3,651 |
| Net interest margin | 4.0078% | 2,826 |
| Noninterest income to average assets | 0.7473% | 2,697 |
| Noninterest expense to average assets | 3.3417% | 2,866 |
| Loan and lease loss provision to assets | 0.0733% | 6,852 |
| Net operating income to assets | 0.6934% | 2,961 |
| Return on assets (ROA) | 0.6934% | 3,033 |
| Pretax return on assets | 0.9914% | 2,619 |
| Return on Equity (ROE) | 8.9998% | 2,025 |
| Retained earnings to average equity (ytd only) | 8.6624% | 551 |
| Net charge-offs to loans | 0.0122% | 7,051 |
| Credit loss provision to net charge-offs | 658.3333% | 441 |
| Earnings coverage of net charge-offs (x) | 95.5833% | 292 |
| Efficiency ratio | 75.8374% | 3,554 |
| Assets per employee ($millions) | 3.9030% | 4,017 |
| Cash dividends to net income (ytd only)* | 3.7483% | 3,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7012% | 7,376 |
| Loan loss allowance to noncurrent loans | 317.7273% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.4520% | 6,326 |
| Noncurrent loans to loans | 0.2207% | 6,878 |
| Net loans and leases to total assets | 90.5758% | 70 |
| Net loans and leases to deposits | 140.3590% | 60 |
| Net loans and leases to core deposits | 153.9864% | 429 |
| Total domestic deposits to total assets | 64.5315% | 7,688 |
| Equity capital to assets | 7.9500% | 6,630 |
| Core capital (leverage) ratio | 7.9925% | 6,209 |
| Tier 1 risk-based capital ratio | 10.8555% | 6,060 |
| Total risk-based capital ratio | 11.7289% | 6,388 |
| Memoranda: | ||
| Average total assets | $107,728,200 | 4,889 |
| Average earning assets | $98,358,000 | 4,883 |
| Average equity | $8,300,200 | 5,837 |
| Average total loans | $98,717,800 | 3,990 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8800% | 2,534 |
| Cost of funding earning assets | 1.9704% | 3,512 |
| Net interest margin | 3.9096% | 3,206 |
| Noninterest income to average assets | 0.7813% | 2,538 |
| Noninterest expense to average assets | 3.3413% | 2,760 |
| Loan and lease loss provision to assets | 0.0547% | 6,826 |
| Net operating income to assets | 0.6708% | 3,313 |
| Return on assets (ROA) | 0.6708% | 3,372 |
| Pretax return on assets | 0.9589% | 3,030 |
| Return on Equity (ROE) | 8.7768% | 2,349 |
| Retained earnings to average equity (ytd only) | 8.3217% | 1,035 |
| Net charge-offs to loans | 0.0162% | 6,686 |
| Credit loss provision to net charge-offs | 366.6667% | 1,104 |
| Earnings coverage of net charge-offs (x) | 67.9981% | 492 |
| Efficiency ratio | 76.7256% | 3,375 |
| Assets per employee ($millions) | 3.7235% | 4,373 |
| Cash dividends to net income (ytd only)* | 5.1849% | 3,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6719% | 7,439 |
| Loan loss allowance to noncurrent loans | 137.4741% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.7557% | 5,618 |
| Noncurrent loans to loans | 0.4887% | 6,339 |
| Net loans and leases to total assets | 90.9095% | 83 |
| Net loans and leases to deposits | 147.9280% | 55 |
| Net loans and leases to core deposits | 161.2938% | 364 |
| Total domestic deposits to total assets | 61.4553% | 7,836 |
| Equity capital to assets | 7.8542% | 6,981 |
| Core capital (leverage) ratio | 7.9400% | 6,456 |
| Tier 1 risk-based capital ratio | 10.6998% | 6,250 |
| Total risk-based capital ratio | 11.5375% | 6,642 |
| Memoranda: | ||
| Average total assets | $107,339,500 | 4,925 |
| Average earning assets | $98,115,750 | 4,919 |
| Average equity | $8,203,250 | 5,911 |
| Average total loans | $98,476,500 | 4,030 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9043% | 2,562 |
| Cost of funding earning assets | 2.1131% | 3,210 |
| Net interest margin | 3.7913% | 3,589 |
| Noninterest income to average assets | 0.8364% | 2,239 |
| Noninterest expense to average assets | 3.4128% | 2,585 |
| Loan and lease loss provision to assets | 0.0149% | 7,073 |
| Net operating income to assets | 0.6161% | 3,612 |
| Return on assets (ROA) | 0.6161% | 3,723 |
| Pretax return on assets | 0.8756% | 3,421 |
| Return on Equity (ROE) | 8.1374% | 2,713 |
| Retained earnings to average equity (ytd only) | 7.4470% | 1,413 |
| Net charge-offs to loans | 0.0102% | 6,424 |
| Credit loss provision to net charge-offs | 160.0000% | 2,869 |
| Earnings coverage of net charge-offs (x) | 95.4000% | 398 |
| Efficiency ratio | 79.3059% | 3,149 |
| Assets per employee ($millions) | 3.7885% | 4,128 |
| Cash dividends to net income (ytd only)* | 8.4848% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6566% | 7,530 |
| Loan loss allowance to noncurrent loans | 104.7855% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.8861% | 5,218 |
| Noncurrent loans to loans | 0.6266% | 5,995 |
| Net loans and leases to total assets | 90.5729% | 108 |
| Net loans and leases to deposits | 141.7609% | 78 |
| Net loans and leases to core deposits | 153.2842% | 580 |
| Total domestic deposits to total assets | 63.8913% | 7,836 |
| Equity capital to assets | 7.7972% | 6,984 |
| Core capital (leverage) ratio | 7.6735% | 6,794 |
| Tier 1 risk-based capital ratio | 10.7576% | 6,127 |
| Total risk-based capital ratio | 11.5835% | 6,492 |
| Memoranda: | ||
| Average total assets | $107,125,670 | 4,961 |
| Average earning assets | $97,962,000 | 4,953 |
| Average equity | $8,110,670 | 5,981 |
| Average total loans | $98,359,000 | 4,052 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8440% | 3,068 |
| Cost of funding earning assets | 2.2112% | 3,111 |
| Net interest margin | 3.6327% | 4,178 |
| Noninterest income to average assets | 0.7469% | 2,620 |
| Noninterest expense to average assets | 3.2922% | 2,680 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5574% | 4,193 |
| Return on assets (ROA) | 0.5574% | 4,376 |
| Pretax return on assets | 0.7877% | 4,120 |
| Return on Equity (ROE) | 7.4715% | 3,393 |
| Retained earnings to average equity (ytd only) | 6.1266% | 2,575 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6922% | 2,709 |
| Assets per employee ($millions) | 3.8354% | 4,013 |
| Cash dividends to net income (ytd only)* | 18.0000% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6370% | 7,591 |
| Loan loss allowance to noncurrent loans | 1,580.0000% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.3483% | 6,471 |
| Noncurrent loans to loans | 0.0403% | 7,430 |
| Net loans and leases to total assets | 91.7955% | 68 |
| Net loans and leases to deposits | 144.8421% | 75 |
| Net loans and leases to core deposits | 159.0940% | 504 |
| Total domestic deposits to total assets | 63.3762% | 7,871 |
| Equity capital to assets | 7.5350% | 7,322 |
| Core capital (leverage) ratio | 7.5199% | 7,136 |
| Tier 1 risk-based capital ratio | 10.4967% | 6,399 |
| Total risk-based capital ratio | 11.3165% | 6,757 |
| Memoranda: | ||
| Average total assets | $107,650,000 | 4,963 |
| Average earning assets | $98,768,500 | 4,953 |
| Average equity | $8,030,500 | 6,055 |
| Average total loans | $99,182,500 | 4,064 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1374% | 4,849 |
| Cost of funding earning assets | 2.9239% | 2,165 |
| Net interest margin | 3.2135% | 6,332 |
| Noninterest income to average assets | 0.5190% | 4,476 |
| Noninterest expense to average assets | 2.9672% | 4,192 |
| Loan and lease loss provision to assets | 0.0369% | 6,946 |
| Net operating income to assets | 0.3472% | 5,366 |
| Return on assets (ROA) | 0.3472% | 5,180 |
| Pretax return on assets | 0.4562% | 5,106 |
| Return on Equity (ROE) | 4.8401% | 4,460 |
| Retained earnings to average equity (ytd only) | 4.4797% | 2,340 |
| Net charge-offs to loans | 0.0494% | 6,085 |
| Credit loss provision to net charge-offs | 81.6327% | 5,865 |
| Earnings coverage of net charge-offs (x) | 10.8980% | 2,447 |
| Efficiency ratio | 85.7486% | 1,882 |
| Assets per employee ($millions) | 3.8539% | 3,851 |
| Cash dividends to net income (ytd only)* | 7.4468% | 4,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6374% | 7,588 |
| Loan loss allowance to noncurrent loans | 607.6923% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.4476% | 5,874 |
| Noncurrent loans to loans | 0.1049% | 7,099 |
| Net loans and leases to total assets | 91.3000% | 114 |
| Net loans and leases to deposits | 137.2585% | 127 |
| Net loans and leases to core deposits | 150.0251% | 857 |
| Total domestic deposits to total assets | 66.5168% | 7,617 |
| Equity capital to assets | 7.3850% | 7,479 |
| Core capital (leverage) ratio | 7.3421% | 7,371 |
| Tier 1 risk-based capital ratio | 10.3199% | 6,396 |
| Total risk-based capital ratio | 11.1383% | 6,741 |
| Memoranda: | ||
| Average total assets | $108,283,400 | 4,825 |
| Average earning assets | $99,113,000 | 4,830 |
| Average equity | $7,768,400 | 6,182 |
| Average total loans | $99,160,800 | 3,974 |