Home > Valliance Bank > Performance and Condition Ratios
Valliance Bank, Performance and Condition Ratios
| 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 | 5.2909% | 1,073 |
| Cost of funding earning assets | 1.0422% | 1,509 |
| Net interest margin | 4.2487% | 1,607 |
| Noninterest income to average assets | 0.0401% | 6,892 |
| Noninterest expense to average assets | 5.4677% | 281 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -1.7344% | 7,044 |
| Return on assets (ROA) | -1.7718% | 7,063 |
| Pretax return on assets | -1.7718% | 7,045 |
| Return on Equity (ROE) | -16.9046% | 7,001 |
| Retained earnings to average equity (ytd only) | -16.9046% | 6,972 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.4567% | 113 |
| Assets per employee ($millions) | 6.1607% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7841% | 962 |
| Loan loss allowance to noncurrent loans | 464.1350% | 777 |
| Noncurrent assets plus other real estate owned to assets | 10.2659% | 246 |
| Noncurrent loans to loans | 0.5998% | 5,313 |
| Net loans and leases to total assets | 56.6787% | 4,368 |
| Net loans and leases to deposits | 74.8704% | 3,146 |
| Net loans and leases to core deposits | 80.7968% | 3,117 |
| Total domestic deposits to total assets | 75.7024% | 6,501 |
| Equity capital to assets | 11.1616% | 2,936 |
| Core capital (leverage) ratio | 10.0563% | 3,344 |
| Tier 1 risk-based capital ratio | 15.4351% | 3,486 |
| Total risk-based capital ratio | 16.6989% | 3,439 |
| Memoranda: | ||
| Average total assets | $74,839,330 | 5,584 |
| Average earning assets | $65,055,330 | 5,672 |
| Average equity | $7,844,000 | 5,619 |
| Average total loans | $45,517,000 | 5,358 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6108% | 3,453 |
| Cost of funding earning assets | 1.0041% | 1,956 |
| Net interest margin | 3.6067% | 4,238 |
| Noninterest income to average assets | -0.0255% | 7,122 |
| Noninterest expense to average assets | 4.7515% | 440 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.5872% | 7,105 |
| Return on assets (ROA) | -1.6587% | 7,122 |
| Pretax return on assets | -1.6587% | 7,099 |
| Return on Equity (ROE) | -16.2826% | 7,077 |
| Retained earnings to average equity (ytd only) | -16.2826% | 6,994 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.1613% | 105 |
| Assets per employee ($millions) | 5.4627% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2776% | 1,717 |
| Loan loss allowance to noncurrent loans | 33.1325% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 10.1009% | 291 |
| Noncurrent loans to loans | 6.8743% | 662 |
| Net loans and leases to total assets | 61.7119% | 3,316 |
| Net loans and leases to deposits | 86.6475% | 1,334 |
| Net loans and leases to core deposits | 92.1455% | 1,636 |
| Total domestic deposits to total assets | 71.2218% | 6,922 |
| Equity capital to assets | 10.2500% | 3,791 |
| Core capital (leverage) ratio | 9.4347% | 4,144 |
| Tier 1 risk-based capital ratio | 14.4792% | 4,125 |
| Total risk-based capital ratio | 15.7384% | 4,078 |
| Memoranda: | ||
| Average total assets | $78,375,000 | 5,530 |
| Average earning assets | $69,315,500 | 5,587 |
| Average equity | $7,984,000 | 5,604 |
| Average total loans | $48,520,500 | 5,288 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7610% | 3,976 |
| Cost of funding earning assets | 1.4084% | 1,001 |
| Net interest margin | 3.3526% | 5,642 |
| Noninterest income to average assets | -1.9877% | 7,349 |
| Noninterest expense to average assets | 4.2389% | 770 |
| Loan and lease loss provision to assets | 0.5334% | 1,968 |
| Net operating income to assets | -3.8111% | 7,243 |
| Return on assets (ROA) | -3.8111% | 7,251 |
| Pretax return on assets | -3.8111% | 7,259 |
| Return on Equity (ROE) | -35.6983% | 7,137 |
| Retained earnings to average equity (ytd only) | -35.6983% | 7,131 |
| Net charge-offs to loans | 1.3952% | 1,173 |
| Credit loss provision to net charge-offs | 56.7130% | 5,250 |
| Earnings coverage of net charge-offs (x) | -3.4850% | 6,337 |
| Efficiency ratio | 440.9966% | 12 |
| Assets per employee ($millions) | 4.7219% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2566% | 1,696 |
| Loan loss allowance to noncurrent loans | 43.5989% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 8.6643% | 427 |
| Noncurrent loans to loans | 5.1759% | 1,066 |
| Net loans and leases to total assets | 59.3544% | 4,120 |
| Net loans and leases to deposits | 84.8924% | 1,818 |
| Net loans and leases to core deposits | 91.3842% | 1,951 |
| Total domestic deposits to total assets | 69.9173% | 6,995 |
| Equity capital to assets | 10.1268% | 3,998 |
| Core capital (leverage) ratio | 10.2236% | 3,062 |
| Tier 1 risk-based capital ratio | 14.8108% | 3,751 |
| Total risk-based capital ratio | 16.0800% | 3,716 |
| Memoranda: | ||
| Average total assets | $91,862,800 | 5,135 |
| Average earning assets | $80,802,000 | 5,204 |
| Average equity | $9,807,200 | 5,069 |
| Average total loans | $61,927,000 | 4,796 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9283% | 3,433 |
| Cost of funding earning assets | 1.5466% | 726 |
| Net interest margin | 3.3817% | 5,630 |
| Noninterest income to average assets | -2.1288% | 7,429 |
| Noninterest expense to average assets | 4.2492% | 752 |
| Loan and lease loss provision to assets | 0.6894% | 1,403 |
| Net operating income to assets | -4.0986% | 7,338 |
| Return on assets (ROA) | -4.0986% | 7,340 |
| Pretax return on assets | -4.0986% | 7,342 |
| Return on Equity (ROE) | -37.9779% | 7,243 |
| Retained earnings to average equity (ytd only) | -37.9779% | 7,237 |
| Net charge-offs to loans | 1.6068% | 882 |
| Credit loss provision to net charge-offs | 62.3410% | 4,735 |
| Earnings coverage of net charge-offs (x) | -3.0827% | 6,063 |
| Efficiency ratio | 505.8626% | 10 |
| Assets per employee ($millions) | 3.7137% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3340% | 1,636 |
| Loan loss allowance to noncurrent loans | 27.9639% | 6,359 |
| Noncurrent assets plus other real estate owned to assets | 9.3785% | 402 |
| Noncurrent loans to loans | 8.3466% | 513 |
| Net loans and leases to total assets | 63.1528% | 3,487 |
| Net loans and leases to deposits | 93.0968% | 912 |
| Net loans and leases to core deposits | 98.7766% | 1,363 |
| Total domestic deposits to total assets | 67.8357% | 7,147 |
| Equity capital to assets | 11.2698% | 2,894 |
| Core capital (leverage) ratio | 11.4314% | 2,078 |
| Tier 1 risk-based capital ratio | 15.8238% | 3,204 |
| Total risk-based capital ratio | 17.0858% | 3,161 |
| Memoranda: | ||
| Average total assets | $94,760,500 | 5,082 |
| Average earning assets | $83,190,750 | 5,181 |
| Average equity | $10,226,750 | 4,985 |
| Average total loans | $65,222,500 | 4,708 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1492% | 2,468 |
| Cost of funding earning assets | 1.8466% | 260 |
| Net interest margin | 3.3026% | 5,851 |
| Noninterest income to average assets | -2.2461% | 7,503 |
| Noninterest expense to average assets | 4.0518% | 973 |
| Loan and lease loss provision to assets | 0.9766% | 903 |
| Net operating income to assets | -4.3766% | 7,412 |
| Return on assets (ROA) | -4.3766% | 7,413 |
| Pretax return on assets | -4.3766% | 7,406 |
| Return on Equity (ROE) | -41.0237% | 7,313 |
| Retained earnings to average equity (ytd only) | -41.0237% | 7,308 |
| Net charge-offs to loans | 1.3570% | 1,124 |
| Credit loss provision to net charge-offs | 102.9412% | 3,005 |
| Earnings coverage of net charge-offs (x) | -3.5840% | 5,774 |
| Efficiency ratio | 621.7125% | 9 |
| Assets per employee ($millions) | 4.5994% | 2,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8163% | 1,065 |
| Loan loss allowance to noncurrent loans | 34.2063% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 11.7163% | 274 |
| Noncurrent loans to loans | 8.2334% | 540 |
| Net loans and leases to total assets | 65.7130% | 3,085 |
| Net loans and leases to deposits | 97.5786% | 617 |
| Net loans and leases to core deposits | 105.4835% | 958 |
| Total domestic deposits to total assets | 67.3437% | 7,222 |
| Equity capital to assets | 12.1320% | 2,008 |
| Core capital (leverage) ratio | 9.3636% | 4,159 |
| Tier 1 risk-based capital ratio | 16.0777% | 2,942 |
| Total risk-based capital ratio | 17.3441% | 2,901 |
| Memoranda: | ||
| Average total assets | $100,351,670 | 4,951 |
| Average earning assets | $88,052,330 | 5,059 |
| Average equity | $10,706,000 | 4,871 |
| Average total loans | $70,154,000 | 4,571 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9294% | 3,422 |
| Cost of funding earning assets | 1.8328% | 335 |
| Net interest margin | 3.0966% | 6,360 |
| Noninterest income to average assets | -0.3338% | 7,464 |
| Noninterest expense to average assets | 3.4604% | 2,117 |
| Loan and lease loss provision to assets | 1.4430% | 451 |
| Net operating income to assets | -2.5020% | 7,343 |
| Return on assets (ROA) | -2.5020% | 7,342 |
| Pretax return on assets | -2.5020% | 7,327 |
| Return on Equity (ROE) | -24.6377% | 7,273 |
| Retained earnings to average equity (ytd only) | -24.6377% | 7,235 |
| Net charge-offs to loans | 2.5433% | 441 |
| Credit loss provision to net charge-offs | 80.2395% | 3,154 |
| Earnings coverage of net charge-offs (x) | -0.5888% | 4,821 |
| Efficiency ratio | 144.0957% | 194 |
| Assets per employee ($millions) | 6.3309% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8190% | 2,954 |
| Loan loss allowance to noncurrent loans | 50.6814% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 8.3995% | 541 |
| Noncurrent loans to loans | 3.5891% | 2,072 |
| Net loans and leases to total assets | 69.0075% | 2,324 |
| Net loans and leases to deposits | 93.4696% | 877 |
| Net loans and leases to core deposits | 98.3357% | 1,491 |
| Total domestic deposits to total assets | 73.8288% | 6,921 |
| Equity capital to assets | 10.1955% | 3,547 |
| Core capital (leverage) ratio | 9.6568% | 3,585 |
| Tier 1 risk-based capital ratio | 15.5565% | 3,134 |
| Total risk-based capital ratio | 16.2587% | 3,380 |
| Memoranda: | ||
| Average total assets | $111,432,500 | 4,703 |
| Average earning assets | $98,429,500 | 4,781 |
| Average equity | $11,316,000 | 4,714 |
| Average total loans | $78,796,000 | 4,300 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0882% | 4,142 |
| Cost of funding earning assets | 2.5559% | 90 |
| Net interest margin | 2.5323% | 7,253 |
| Noninterest income to average assets | -0.0990% | 7,389 |
| Noninterest expense to average assets | 3.3132% | 2,695 |
| Loan and lease loss provision to assets | 1.4927% | 995 |
| Net operating income to assets | -2.5700% | 7,194 |
| Return on assets (ROA) | -2.5700% | 7,216 |
| Pretax return on assets | -2.5700% | 7,187 |
| Return on Equity (ROE) | -27.1322% | 7,178 |
| Retained earnings to average equity (ytd only) | -27.1322% | 7,165 |
| Net charge-offs to loans | 1.7551% | 1,215 |
| Credit loss provision to net charge-offs | 111.1511% | 3,950 |
| Earnings coverage of net charge-offs (x) | -0.8022% | 6,553 |
| Efficiency ratio | 148.1815% | 224 |
| Assets per employee ($millions) | 6.4022% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8000% | 2,862 |
| Loan loss allowance to noncurrent loans | 79.0037% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 7.1148% | 758 |
| Noncurrent loans to loans | 2.2783% | 3,239 |
| Net loans and leases to total assets | 69.8297% | 2,572 |
| Net loans and leases to deposits | 97.1672% | 771 |
| Net loans and leases to core deposits | 100.4494% | 1,580 |
| Total domestic deposits to total assets | 71.8654% | 7,093 |
| Equity capital to assets | 10.1172% | 3,594 |
| Core capital (leverage) ratio | 9.4137% | 3,825 |
| Tier 1 risk-based capital ratio | 15.5653% | 2,970 |
| Total risk-based capital ratio | 16.8237% | 2,926 |
| Memoranda: | ||
| Average total assets | $124,200,600 | 4,396 |
| Average earning assets | $114,520,600 | 4,359 |
| Average equity | $11,764,600 | 4,678 |
| Average total loans | $95,035,800 | 3,922 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9943% | 4,844 |
| Cost of funding earning assets | 2.6710% | 73 |
| Net interest margin | 2.3233% | 7,476 |
| Noninterest income to average assets | -0.1455% | 7,563 |
| Noninterest expense to average assets | 3.1276% | 3,199 |
| Loan and lease loss provision to assets | 1.5121% | 875 |
| Net operating income to assets | -2.6225% | 7,380 |
| Return on assets (ROA) | -2.6225% | 7,397 |
| Pretax return on assets | -2.6225% | 7,351 |
| Return on Equity (ROE) | -28.1225% | 7,356 |
| Retained earnings to average equity (ytd only) | -28.1225% | 7,347 |
| Net charge-offs to loans | 1.9259% | 988 |
| Credit loss provision to net charge-offs | 100.9859% | 4,275 |
| Earnings coverage of net charge-offs (x) | -0.7415% | 6,404 |
| Efficiency ratio | 155.0444% | 183 |
| Assets per employee ($millions) | 7.0808% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4575% | 4,170 |
| Loan loss allowance to noncurrent loans | 65.3634% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 4.7185% | 1,399 |
| Noncurrent loans to loans | 2.2298% | 3,415 |
| Net loans and leases to total assets | 69.1750% | 2,940 |
| Net loans and leases to deposits | 91.0468% | 1,573 |
| Net loans and leases to core deposits | 97.1462% | 2,133 |
| Total domestic deposits to total assets | 75.9774% | 6,661 |
| Equity capital to assets | 8.9098% | 5,690 |
| Core capital (leverage) ratio | 9.3597% | 4,119 |
| Tier 1 risk-based capital ratio | 14.3240% | 3,614 |
| Total risk-based capital ratio | 15.5784% | 3,576 |
| Memoranda: | ||
| Average total assets | $126,441,000 | 4,405 |
| Average earning assets | $117,704,500 | 4,339 |
| Average equity | $11,791,000 | 4,742 |
| Average total loans | $98,308,250 | 3,909 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2583% | 3,665 |
| Cost of funding earning assets | 2.8254% | 56 |
| Net interest margin | 2.4329% | 7,457 |
| Noninterest income to average assets | -0.1538% | 7,662 |
| Noninterest expense to average assets | 3.0499% | 3,523 |
| Loan and lease loss provision to assets | 1.1419% | 1,261 |
| Net operating income to assets | -2.0650% | 7,322 |
| Return on assets (ROA) | -2.0650% | 7,332 |
| Pretax return on assets | -2.0650% | 7,257 |
| Return on Equity (ROE) | -21.8164% | 7,315 |
| Retained earnings to average equity (ytd only) | -21.8164% | 7,300 |
| Net charge-offs to loans | 0.1600% | 4,665 |
| Credit loss provision to net charge-offs | 888.8889% | 422 |
| Earnings coverage of net charge-offs (x) | -7.1852% | 6,305 |
| Efficiency ratio | 143.4004% | 236 |
| Assets per employee ($millions) | 6.6943% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9951% | 2,198 |
| Loan loss allowance to noncurrent loans | 33.0046% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 5.9811% | 987 |
| Noncurrent loans to loans | 6.0450% | 1,054 |
| Net loans and leases to total assets | 79.1273% | 933 |
| Net loans and leases to deposits | 93.8039% | 1,304 |
| Net loans and leases to core deposits | 103.9783% | 1,644 |
| Total domestic deposits to total assets | 84.3540% | 3,932 |
| Equity capital to assets | 10.4268% | 3,498 |
| Core capital (leverage) ratio | 9.9230% | 3,256 |
| Tier 1 risk-based capital ratio | 15.7243% | 2,794 |
| Total risk-based capital ratio | 16.9893% | 2,752 |
| Memoranda: | ||
| Average total assets | $126,103,000 | 4,445 |
| Average earning assets | $118,214,000 | 4,362 |
| Average equity | $11,936,000 | 4,695 |
| Average total loans | $101,254,000 | 3,850 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1478% | 4,309 |
| Cost of funding earning assets | 2.8669% | 68 |
| Net interest margin | 2.2809% | 7,605 |
| Noninterest income to average assets | 0.0559% | 7,434 |
| Noninterest expense to average assets | 3.0441% | 3,500 |
| Loan and lease loss provision to assets | 0.5585% | 2,266 |
| Net operating income to assets | -1.4088% | 7,298 |
| Return on assets (ROA) | -1.4088% | 7,310 |
| Pretax return on assets | -1.4088% | 7,228 |
| Return on Equity (ROE) | -15.6255% | 7,332 |
| Retained earnings to average equity (ytd only) | -15.6255% | 7,235 |
| Net charge-offs to loans | 0.2441% | 3,483 |
| Credit loss provision to net charge-offs | 285.7143% | 1,373 |
| Earnings coverage of net charge-offs (x) | -4.3492% | 5,524 |
| Efficiency ratio | 138.7553% | 265 |
| Assets per employee ($millions) | 7.2503% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 4,394 |
| Loan loss allowance to noncurrent loans | 27.0647% | 6,593 |
| Noncurrent assets plus other real estate owned to assets | 5.1002% | 1,249 |
| Noncurrent loans to loans | 5.1944% | 1,378 |
| Net loans and leases to total assets | 76.2553% | 1,487 |
| Net loans and leases to deposits | 88.5855% | 2,114 |
| Net loans and leases to core deposits | 103.9874% | 1,742 |
| Total domestic deposits to total assets | 86.0810% | 3,107 |
| Equity capital to assets | 9.1215% | 5,105 |
| Core capital (leverage) ratio | 9.1108% | 4,354 |
| Tier 1 risk-based capital ratio | 14.0823% | 3,605 |
| Total risk-based capital ratio | 15.3381% | 3,563 |
| Memoranda: | ||
| Average total assets | $128,906,000 | 4,441 |
| Average earning assets | $120,829,000 | 4,354 |
| Average equity | $11,622,000 | 4,809 |
| Average total loans | $103,237,500 | 3,848 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9575% | 2,025 |
| Cost of funding earning assets | 3.3143% | 91 |
| Net interest margin | 2.6432% | 7,290 |
| Noninterest income to average assets | 0.0361% | 7,567 |
| Noninterest expense to average assets | 2.8661% | 4,669 |
| Loan and lease loss provision to assets | 1.1427% | 1,993 |
| Net operating income to assets | -1.4868% | 6,848 |
| Return on assets (ROA) | -1.4868% | 6,863 |
| Pretax return on assets | -1.4868% | 6,697 |
| Return on Equity (ROE) | -17.7481% | 7,067 |
| Retained earnings to average equity (ytd only) | -17.7481% | 7,018 |
| Net charge-offs to loans | 0.7242% | 3,021 |
| Credit loss provision to net charge-offs | 184.5855% | 2,215 |
| Earnings coverage of net charge-offs (x) | -0.5557% | 6,726 |
| Efficiency ratio | 113.6407% | 720 |
| Assets per employee ($millions) | 6.3654% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 5,151 |
| Loan loss allowance to noncurrent loans | 30.4064% | 6,440 |
| Noncurrent assets plus other real estate owned to assets | 5.1615% | 1,163 |
| Noncurrent loans to loans | 4.0573% | 1,824 |
| Net loans and leases to total assets | 81.8785% | 701 |
| Net loans and leases to deposits | 94.9560% | 1,469 |
| Net loans and leases to core deposits | 119.0124% | 2,031 |
| Total domestic deposits to total assets | 86.2278% | 2,900 |
| Equity capital to assets | 8.9076% | 5,267 |
| Core capital (leverage) ratio | 8.8107% | 4,754 |
| Tier 1 risk-based capital ratio | 12.9292% | 4,190 |
| Total risk-based capital ratio | 14.1827% | 4,137 |
| Memoranda: | ||
| Average total assets | $124,700,000 | 4,455 |
| Average earning assets | $117,280,800 | 4,371 |
| Average equity | $10,446,200 | 5,179 |
| Average total loans | $106,599,400 | 3,764 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0174% | 1,962 |
| Cost of funding earning assets | 3.3608% | 112 |
| Net interest margin | 2.6565% | 7,283 |
| Noninterest income to average assets | 0.0365% | 7,707 |
| Noninterest expense to average assets | 2.7516% | 5,100 |
| Loan and lease loss provision to assets | 0.5299% | 3,265 |
| Net operating income to assets | -0.7395% | 6,634 |
| Return on assets (ROA) | -0.7395% | 6,652 |
| Pretax return on assets | -0.7395% | 6,512 |
| Return on Equity (ROE) | -8.9732% | 6,810 |
| Retained earnings to average equity (ytd only) | -8.9732% | 6,701 |
| Net charge-offs to loans | 0.0961% | 5,713 |
| Credit loss provision to net charge-offs | 640.2597% | 586 |
| Earnings coverage of net charge-offs (x) | -2.5325% | 6,776 |
| Efficiency ratio | 108.2452% | 803 |
| Assets per employee ($millions) | 5.9339% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 6,441 |
| Loan loss allowance to noncurrent loans | 112.1053% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 2.1587% | 3,149 |
| Noncurrent loans to loans | 0.8656% | 5,562 |
| Net loans and leases to total assets | 87.2147% | 258 |
| Net loans and leases to deposits | 101.5919% | 963 |
| Net loans and leases to core deposits | 124.3322% | 1,871 |
| Total domestic deposits to total assets | 85.8481% | 2,781 |
| Equity capital to assets | 9.2286% | 5,116 |
| Core capital (leverage) ratio | 9.1545% | 4,410 |
| Tier 1 risk-based capital ratio | 12.8080% | 4,320 |
| Total risk-based capital ratio | 13.9997% | 4,299 |
| Memoranda: | ||
| Average total assets | $124,048,250 | 4,500 |
| Average earning assets | $116,991,500 | 4,408 |
| Average equity | $10,222,750 | 5,278 |
| Average total loans | $106,864,500 | 3,798 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9020% | 2,568 |
| Cost of funding earning assets | 3.4453% | 130 |
| Net interest margin | 2.4568% | 7,519 |
| Noninterest income to average assets | 0.1050% | 7,451 |
| Noninterest expense to average assets | 2.5997% | 5,741 |
| Loan and lease loss provision to assets | 0.5086% | 2,992 |
| Net operating income to assets | -0.6717% | 6,725 |
| Return on assets (ROA) | -0.6717% | 6,731 |
| Pretax return on assets | -0.6717% | 6,577 |
| Return on Equity (ROE) | -8.4924% | 6,932 |
| Retained earnings to average equity (ytd only) | -8.4924% | 6,722 |
| Net charge-offs to loans | 0.1454% | 4,728 |
| Credit loss provision to net charge-offs | 409.0909% | 1,134 |
| Earnings coverage of net charge-offs (x) | -1.3117% | 6,290 |
| Efficiency ratio | 106.6932% | 950 |
| Assets per employee ($millions) | 7.2728% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7875% | 7,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8883% | 3,349 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 85.3588% | 457 |
| Net loans and leases to deposits | 98.8920% | 1,405 |
| Net loans and leases to core deposits | 126.0650% | 1,867 |
| Total domestic deposits to total assets | 86.3151% | 2,614 |
| Equity capital to assets | 8.9679% | 5,362 |
| Core capital (leverage) ratio | 9.3555% | 4,088 |
| Tier 1 risk-based capital ratio | 12.4524% | 4,556 |
| Total risk-based capital ratio | 13.3950% | 4,711 |
| Memoranda: | ||
| Average total assets | $123,860,330 | 4,535 |
| Average earning assets | $117,552,670 | 4,429 |
| Average equity | $9,797,000 | 5,420 |
| Average total loans | $105,904,330 | 3,859 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9840% | 2,423 |
| Cost of funding earning assets | 3.5716% | 124 |
| Net interest margin | 2.4124% | 7,599 |
| Noninterest income to average assets | 0.1562% | 7,191 |
| Noninterest expense to average assets | 2.7058% | 4,979 |
| Loan and lease loss provision to assets | 0.4487% | 2,677 |
| Net operating income to assets | -0.6947% | 7,052 |
| Return on assets (ROA) | -0.6947% | 7,090 |
| Pretax return on assets | -0.6947% | 6,965 |
| Return on Equity (ROE) | -9.4726% | 7,329 |
| Retained earnings to average equity (ytd only) | -9.4726% | 7,056 |
| Net charge-offs to loans | 0.3004% | 2,910 |
| Credit loss provision to net charge-offs | 175.3247% | 2,459 |
| Earnings coverage of net charge-offs (x) | -0.9610% | 5,352 |
| Efficiency ratio | 110.0000% | 812 |
| Assets per employee ($millions) | 7.3024% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6825% | 7,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0243% | 2,859 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 82.8767% | 871 |
| Net loans and leases to deposits | 98.7077% | 1,571 |
| Net loans and leases to core deposits | 124.7079% | 2,017 |
| Total domestic deposits to total assets | 83.9618% | 3,726 |
| Equity capital to assets | 7.7468% | 7,128 |
| Core capital (leverage) ratio | 8.0123% | 6,426 |
| Tier 1 risk-based capital ratio | 11.2668% | 5,629 |
| Total risk-based capital ratio | 12.0933% | 5,952 |
| Memoranda: | ||
| Average total assets | $120,335,000 | 4,645 |
| Average earning assets | $114,905,500 | 4,504 |
| Average equity | $8,825,500 | 5,764 |
| Average total loans | $102,541,000 | 3,965 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2787% | 4,075 |
| Cost of funding earning assets | 2.6950% | 3,176 |
| Net interest margin | 3.5838% | 4,956 |
| Noninterest income to average assets | 0.1835% | 7,131 |
| Noninterest expense to average assets | 4.0979% | 1,286 |
| Loan and lease loss provision to assets | 0.7163% | 2,064 |
| Net operating income to assets | -1.1597% | 7,326 |
| Return on assets (ROA) | -1.1597% | 7,266 |
| Pretax return on assets | -1.1597% | 7,095 |
| Return on Equity (ROE) | -8.5341% | 7,163 |
| Retained earnings to average equity (ytd only) | -8.5341% | 6,929 |
| Net charge-offs to loans | 0.1411% | 4,809 |
| Credit loss provision to net charge-offs | 558.2278% | 786 |
| Earnings coverage of net charge-offs (x) | -3.4557% | 6,791 |
| Efficiency ratio | 112.1333% | 672 |
| Assets per employee ($millions) | 6.8546% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6395% | 7,578 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6545% | 2,931 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 86.5381% | 534 |
| Net loans and leases to deposits | 102.6037% | 1,518 |
| Net loans and leases to core deposits | 135.1878% | 1,526 |
| Total domestic deposits to total assets | 84.3421% | 3,157 |
| Equity capital to assets | 6.8944% | 7,782 |
| Core capital (leverage) ratio | 10.6136% | 2,891 |
| Tier 1 risk-based capital ratio | 9.7070% | 7,074 |
| Total risk-based capital ratio | 10.4911% | 7,519 |
| Memoranda: | ||
| Average total assets | $61,567,600 | 6,334 |
| Average earning assets | $59,629,800 | 6,188 |
| Average equity | $8,366,400 | 5,957 |
| Average total loans | $55,969,800 | 5,449 |