Home > Valrico State Bank > Performance and Condition Ratios
Valrico State Bank, Performance and Condition Ratios
| 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 | 4.6565% | 3,231 |
| Cost of funding earning assets | 0.5888% | 5,221 |
| Net interest margin | 4.0676% | 2,219 |
| Noninterest income to average assets | 0.8129% | 2,103 |
| Noninterest expense to average assets | 2.6771% | 4,520 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8466% | 3,179 |
| Return on assets (ROA) | 0.8466% | 3,418 |
| Pretax return on assets | 1.3006% | 2,535 |
| Return on Equity (ROE) | 3.8392% | 5,361 |
| Retained earnings to average equity (ytd only) | 3.8392% | 4,285 |
| Net charge-offs to loans | 0.1391% | 3,267 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 17.1111% | 1,320 |
| Efficiency ratio | 64.4374% | 4,844 |
| Assets per employee ($millions) | 3.6379% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4911% | 1,373 |
| Loan loss allowance to noncurrent loans | 53.9530% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 2.8743% | 2,025 |
| Noncurrent loans to loans | 4.6171% | 1,243 |
| Net loans and leases to total assets | 51.2611% | 5,110 |
| Net loans and leases to deposits | 66.1679% | 4,352 |
| Net loans and leases to core deposits | 67.7853% | 4,705 |
| Total domestic deposits to total assets | 77.4712% | 6,343 |
| Equity capital to assets | 21.7939% | 148 |
| Core capital (leverage) ratio | 13.1315% | 1,076 |
| Tier 1 risk-based capital ratio | 17.6339% | 2,433 |
| Total risk-based capital ratio | 18.8932% | 2,398 |
| Memoranda: | ||
| Average total assets | $189,456,500 | 3,239 |
| Average earning assets | $147,408,000 | 3,672 |
| Average equity | $41,779,000 | 1,659 |
| Average total loans | $103,544,000 | 3,512 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0334% | 2,743 |
| Cost of funding earning assets | 0.8133% | 4,762 |
| Net interest margin | 4.2201% | 1,995 |
| Noninterest income to average assets | 0.8981% | 1,678 |
| Noninterest expense to average assets | 3.8502% | 1,259 |
| Loan and lease loss provision to assets | 0.8007% | 1,228 |
| Net operating income to assets | -0.2774% | 6,323 |
| Return on assets (ROA) | -0.2774% | 6,381 |
| Pretax return on assets | -0.5106% | 6,502 |
| Return on Equity (ROE) | -1.2435% | 6,268 |
| Retained earnings to average equity (ytd only) | -4.0043% | 6,370 |
| Net charge-offs to loans | 3.0109% | 324 |
| Credit loss provision to net charge-offs | 44.9468% | 5,534 |
| Earnings coverage of net charge-offs (x) | 0.1628% | 5,716 |
| Efficiency ratio | 90.2479% | 1,165 |
| Assets per employee ($millions) | 3.4463% | 5,141 |
| Cash dividends to net income (ytd only)* | -222.0114% | 7,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4223% | 1,420 |
| Loan loss allowance to noncurrent loans | 41.0219% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 4.1886% | 1,348 |
| Noncurrent loans to loans | 5.9049% | 852 |
| Net loans and leases to total assets | 55.4347% | 4,805 |
| Net loans and leases to deposits | 72.0305% | 3,785 |
| Net loans and leases to core deposits | 74.1373% | 4,221 |
| Total domestic deposits to total assets | 76.9599% | 6,348 |
| Equity capital to assets | 22.3195% | 147 |
| Core capital (leverage) ratio | 12.8312% | 1,207 |
| Tier 1 risk-based capital ratio | 16.6064% | 2,773 |
| Total risk-based capital ratio | 17.8651% | 2,736 |
| Memoranda: | ||
| Average total assets | $189,964,800 | 3,185 |
| Average earning assets | $145,945,600 | 3,637 |
| Average equity | $42,379,000 | 1,586 |
| Average total loans | $112,390,000 | 3,325 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0441% | 2,869 |
| Cost of funding earning assets | 0.8326% | 4,924 |
| Net interest margin | 4.2114% | 2,051 |
| Noninterest income to average assets | 0.8366% | 1,896 |
| Noninterest expense to average assets | 3.8750% | 1,194 |
| Loan and lease loss provision to assets | 0.8631% | 1,056 |
| Net operating income to assets | -0.3520% | 6,545 |
| Return on assets (ROA) | -0.3520% | 6,599 |
| Pretax return on assets | -0.6697% | 6,722 |
| Return on Equity (ROE) | -1.5778% | 6,435 |
| Retained earnings to average equity (ytd only) | -1.5778% | 6,239 |
| Net charge-offs to loans | 3.3725% | 245 |
| Credit loss provision to net charge-offs | 42.8423% | 5,186 |
| Earnings coverage of net charge-offs (x) | 0.0960% | 5,528 |
| Efficiency ratio | 92.4648% | 1,000 |
| Assets per employee ($millions) | 3.5972% | 4,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6021% | 1,261 |
| Loan loss allowance to noncurrent loans | 41.7771% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 4.5366% | 1,319 |
| Noncurrent loans to loans | 6.2286% | 875 |
| Net loans and leases to total assets | 54.4616% | 5,096 |
| Net loans and leases to deposits | 73.2055% | 3,777 |
| Net loans and leases to core deposits | 75.3666% | 4,271 |
| Total domestic deposits to total assets | 74.3955% | 6,713 |
| Equity capital to assets | 22.4673% | 156 |
| Core capital (leverage) ratio | 13.8252% | 948 |
| Tier 1 risk-based capital ratio | 17.9919% | 2,260 |
| Total risk-based capital ratio | 19.2519% | 2,215 |
| Memoranda: | ||
| Average total assets | $190,930,500 | 3,189 |
| Average earning assets | $146,518,750 | 3,654 |
| Average equity | $42,589,500 | 1,585 |
| Average total loans | $114,056,000 | 3,321 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0374% | 2,981 |
| Cost of funding earning assets | 0.8542% | 5,031 |
| Net interest margin | 4.1833% | 2,107 |
| Noninterest income to average assets | 0.7057% | 2,519 |
| Noninterest expense to average assets | 3.9618% | 1,105 |
| Loan and lease loss provision to assets | 1.1098% | 733 |
| Net operating income to assets | -0.6816% | 6,805 |
| Return on assets (ROA) | -0.6816% | 6,811 |
| Pretax return on assets | -1.1611% | 6,951 |
| Return on Equity (ROE) | -3.0630% | 6,593 |
| Retained earnings to average equity (ytd only) | -3.0630% | 6,377 |
| Net charge-offs to loans | 3.3087% | 284 |
| Credit loss provision to net charge-offs | 54.9793% | 4,457 |
| Earnings coverage of net charge-offs (x) | -0.0254% | 5,300 |
| Efficiency ratio | 98.4203% | 780 |
| Assets per employee ($millions) | 3.4934% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1941% | 768 |
| Loan loss allowance to noncurrent loans | 46.4767% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 5.0429% | 1,211 |
| Noncurrent loans to loans | 6.8725% | 764 |
| Net loans and leases to total assets | 57.1151% | 4,803 |
| Net loans and leases to deposits | 76.9829% | 3,292 |
| Net loans and leases to core deposits | 79.1361% | 3,909 |
| Total domestic deposits to total assets | 74.1919% | 6,818 |
| Equity capital to assets | 22.4934% | 165 |
| Core capital (leverage) ratio | 13.1444% | 1,101 |
| Tier 1 risk-based capital ratio | 16.9296% | 2,554 |
| Total risk-based capital ratio | 18.1972% | 2,518 |
| Memoranda: | ||
| Average total assets | $191,024,000 | 3,210 |
| Average earning assets | $146,344,000 | 3,682 |
| Average equity | $42,508,000 | 1,571 |
| Average total loans | $116,539,670 | 3,308 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6984% | 4,533 |
| Cost of funding earning assets | 0.8750% | 5,093 |
| Net interest margin | 3.8234% | 3,495 |
| Noninterest income to average assets | 0.4911% | 3,959 |
| Noninterest expense to average assets | 3.9019% | 1,172 |
| Loan and lease loss provision to assets | 1.8896% | 298 |
| Net operating income to assets | -1.4380% | 7,177 |
| Return on assets (ROA) | -1.4380% | 7,182 |
| Pretax return on assets | -2.3723% | 7,306 |
| Return on Equity (ROE) | -6.4965% | 6,896 |
| Retained earnings to average equity (ytd only) | -6.4965% | 6,638 |
| Net charge-offs to loans | 0.6412% | 1,924 |
| Credit loss provision to net charge-offs | 475.3927% | 746 |
| Earnings coverage of net charge-offs (x) | -1.2147% | 4,917 |
| Efficiency ratio | 110.7730% | 485 |
| Assets per employee ($millions) | 3.2985% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2936% | 351 |
| Loan loss allowance to noncurrent loans | 53.5249% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 6.3144% | 894 |
| Noncurrent loans to loans | 8.0218% | 623 |
| Net loans and leases to total assets | 60.9377% | 4,090 |
| Net loans and leases to deposits | 81.9267% | 2,378 |
| Net loans and leases to core deposits | 83.8213% | 3,189 |
| Total domestic deposits to total assets | 74.3808% | 6,869 |
| Equity capital to assets | 22.4711% | 157 |
| Core capital (leverage) ratio | 12.9773% | 1,127 |
| Tier 1 risk-based capital ratio | 16.0263% | 2,889 |
| Total risk-based capital ratio | 17.3056% | 2,857 |
| Memoranda: | ||
| Average total assets | $192,215,000 | 3,218 |
| Average earning assets | $147,200,000 | 3,690 |
| Average equity | $42,546,000 | 1,561 |
| Average total loans | $119,160,500 | 3,276 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7066% | 1,546 |
| Cost of funding earning assets | 1.0838% | 5,231 |
| Net interest margin | 4.6227% | 961 |
| Noninterest income to average assets | 1.3448% | 812 |
| Noninterest expense to average assets | 3.3206% | 2,666 |
| Loan and lease loss provision to assets | 1.1375% | 1,402 |
| Net operating income to assets | 0.3543% | 4,727 |
| Return on assets (ROA) | 0.5075% | 4,221 |
| Pretax return on assets | 0.7510% | 3,796 |
| Return on Equity (ROE) | 2.3884% | 5,227 |
| Retained earnings to average equity (ytd only) | 2.3884% | 4,204 |
| Net charge-offs to loans | 0.8039% | 2,624 |
| Credit loss provision to net charge-offs | 234.4581% | 1,250 |
| Earnings coverage of net charge-offs (x) | 3.4284% | 3,365 |
| Efficiency ratio | 64.2580% | 5,301 |
| Assets per employee ($millions) | 3.5712% | 4,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7291% | 507 |
| Loan loss allowance to noncurrent loans | 46.9832% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 6.3605% | 897 |
| Noncurrent loans to loans | 7.9370% | 659 |
| Net loans and leases to total assets | 58.1351% | 5,006 |
| Net loans and leases to deposits | 80.7368% | 3,039 |
| Net loans and leases to core deposits | 83.3578% | 3,693 |
| Total domestic deposits to total assets | 72.0057% | 7,079 |
| Equity capital to assets | 21.8125% | 187 |
| Core capital (leverage) ratio | 12.7357% | 1,225 |
| Tier 1 risk-based capital ratio | 13.8876% | 3,933 |
| Total risk-based capital ratio | 15.1558% | 3,900 |
| Memoranda: | ||
| Average total assets | $201,589,400 | 3,080 |
| Average earning assets | $158,694,000 | 3,471 |
| Average equity | $42,832,000 | 1,551 |
| Average total loans | $121,656,400 | 3,283 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7218% | 1,636 |
| Cost of funding earning assets | 1.1153% | 5,346 |
| Net interest margin | 4.6065% | 1,030 |
| Noninterest income to average assets | 1.3006% | 815 |
| Noninterest expense to average assets | 3.3779% | 2,363 |
| Loan and lease loss provision to assets | 0.5750% | 2,640 |
| Net operating income to assets | 0.6489% | 3,650 |
| Return on assets (ROA) | 0.6848% | 3,648 |
| Pretax return on assets | 1.0535% | 2,985 |
| Return on Equity (ROE) | 3.2438% | 5,121 |
| Retained earnings to average equity (ytd only) | 3.2438% | 4,158 |
| Net charge-offs to loans | 0.5097% | 3,250 |
| Credit loss provision to net charge-offs | 186.9658% | 1,929 |
| Earnings coverage of net charge-offs (x) | 5.1154% | 2,845 |
| Efficiency ratio | 65.8083% | 4,905 |
| Assets per employee ($millions) | 3.5690% | 4,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9613% | 853 |
| Loan loss allowance to noncurrent loans | 38.5730% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 5.2706% | 1,185 |
| Noncurrent loans to loans | 7.6771% | 697 |
| Net loans and leases to total assets | 57.6144% | 5,315 |
| Net loans and leases to deposits | 80.0416% | 3,442 |
| Net loans and leases to core deposits | 82.5248% | 4,161 |
| Total domestic deposits to total assets | 71.9806% | 7,135 |
| Equity capital to assets | 21.7067% | 204 |
| Core capital (leverage) ratio | 12.6254% | 1,361 |
| Tier 1 risk-based capital ratio | 16.2265% | 2,658 |
| Total risk-based capital ratio | 17.4912% | 2,608 |
| Memoranda: | ||
| Average total assets | $202,883,000 | 3,102 |
| Average earning assets | $160,784,250 | 3,482 |
| Average equity | $42,829,250 | 1,553 |
| Average total loans | $122,418,250 | 3,320 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7277% | 1,662 |
| Cost of funding earning assets | 1.1347% | 5,490 |
| Net interest margin | 4.5930% | 1,019 |
| Noninterest income to average assets | 1.3674% | 674 |
| Noninterest expense to average assets | 3.2390% | 2,765 |
| Loan and lease loss provision to assets | 0.5542% | 2,558 |
| Net operating income to assets | 0.7879% | 3,027 |
| Return on assets (ROA) | 0.8407% | 2,934 |
| Pretax return on assets | 1.3135% | 2,051 |
| Return on Equity (ROE) | 4.0193% | 4,767 |
| Retained earnings to average equity (ytd only) | 4.0193% | 3,523 |
| Net charge-offs to loans | 0.3137% | 3,754 |
| Credit loss provision to net charge-offs | 291.2371% | 1,277 |
| Earnings coverage of net charge-offs (x) | 9.3814% | 2,025 |
| Efficiency ratio | 62.0461% | 5,682 |
| Assets per employee ($millions) | 3.6535% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8748% | 935 |
| Loan loss allowance to noncurrent loans | 37.9845% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 4.7601% | 1,365 |
| Noncurrent loans to loans | 7.5684% | 707 |
| Net loans and leases to total assets | 56.4401% | 5,636 |
| Net loans and leases to deposits | 78.5701% | 3,873 |
| Net loans and leases to core deposits | 80.8565% | 4,569 |
| Total domestic deposits to total assets | 71.8340% | 7,191 |
| Equity capital to assets | 20.7327% | 249 |
| Core capital (leverage) ratio | 12.2620% | 1,511 |
| Tier 1 risk-based capital ratio | 15.8104% | 2,756 |
| Total risk-based capital ratio | 17.0742% | 2,711 |
| Memoranda: | ||
| Average total assets | $203,889,000 | 3,112 |
| Average earning assets | $162,333,670 | 3,475 |
| Average equity | $42,644,330 | 1,558 |
| Average total loans | $123,669,330 | 3,329 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7645% | 1,579 |
| Cost of funding earning assets | 1.1814% | 5,503 |
| Net interest margin | 4.5831% | 987 |
| Noninterest income to average assets | 1.3227% | 690 |
| Noninterest expense to average assets | 3.4228% | 2,172 |
| Loan and lease loss provision to assets | 0.5156% | 2,436 |
| Net operating income to assets | 0.6465% | 3,681 |
| Return on assets (ROA) | 0.6465% | 3,799 |
| Pretax return on assets | 1.0233% | 2,997 |
| Return on Equity (ROE) | 3.0770% | 5,304 |
| Retained earnings to average equity (ytd only) | 3.0770% | 4,293 |
| Net charge-offs to loans | 0.6400% | 2,219 |
| Credit loss provision to net charge-offs | 130.0000% | 2,718 |
| Earnings coverage of net charge-offs (x) | 3.8800% | 2,757 |
| Efficiency ratio | 66.4668% | 5,016 |
| Assets per employee ($millions) | 3.4757% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5704% | 1,214 |
| Loan loss allowance to noncurrent loans | 42.5749% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 4.0651% | 1,682 |
| Noncurrent loans to loans | 6.0373% | 1,087 |
| Net loans and leases to total assets | 59.5673% | 5,191 |
| Net loans and leases to deposits | 83.3533% | 3,050 |
| Net loans and leases to core deposits | 86.2783% | 3,855 |
| Total domestic deposits to total assets | 71.4636% | 7,316 |
| Equity capital to assets | 21.1080% | 240 |
| Core capital (leverage) ratio | 12.3131% | 1,484 |
| Tier 1 risk-based capital ratio | 15.3521% | 2,944 |
| Total risk-based capital ratio | 16.6133% | 2,888 |
| Memoranda: | ||
| Average total assets | $201,708,000 | 3,197 |
| Average earning assets | $160,153,000 | 3,566 |
| Average equity | $42,378,500 | 1,581 |
| Average total loans | $124,996,000 | 3,366 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0128% | 1,817 |
| Cost of funding earning assets | 1.6179% | 4,949 |
| Net interest margin | 4.3948% | 1,444 |
| Noninterest income to average assets | 0.8298% | 2,272 |
| Noninterest expense to average assets | 3.1468% | 3,561 |
| Loan and lease loss provision to assets | 0.7880% | 2,771 |
| Net operating income to assets | 0.2783% | 4,616 |
| Return on assets (ROA) | 0.3284% | 4,509 |
| Pretax return on assets | 0.4742% | 4,266 |
| Return on Equity (ROE) | 1.5618% | 5,062 |
| Retained earnings to average equity (ytd only) | 1.5618% | 3,984 |
| Net charge-offs to loans | 0.2380% | 5,135 |
| Credit loss provision to net charge-offs | 531.2925% | 569 |
| Earnings coverage of net charge-offs (x) | 8.0204% | 2,019 |
| Efficiency ratio | 69.3113% | 4,770 |
| Assets per employee ($millions) | 3.4207% | 5,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4522% | 1,288 |
| Loan loss allowance to noncurrent loans | 48.9449% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 3.5694% | 1,874 |
| Noncurrent loans to loans | 5.0102% | 1,353 |
| Net loans and leases to total assets | 61.2578% | 5,148 |
| Net loans and leases to deposits | 86.1272% | 2,893 |
| Net loans and leases to core deposits | 105.2026% | 3,433 |
| Total domestic deposits to total assets | 71.1248% | 7,326 |
| Equity capital to assets | 20.9118% | 253 |
| Core capital (leverage) ratio | 11.9021% | 1,705 |
| Tier 1 risk-based capital ratio | 15.0586% | 2,911 |
| Total risk-based capital ratio | 16.3263% | 2,851 |
| Memoranda: | ||
| Average total assets | $198,232,200 | 3,203 |
| Average earning assets | $158,163,400 | 3,552 |
| Average equity | $41,683,600 | 1,602 |
| Average total loans | $123,516,200 | 3,412 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9732% | 2,141 |
| Cost of funding earning assets | 1.6886% | 4,957 |
| Net interest margin | 4.2845% | 1,770 |
| Noninterest income to average assets | 0.7013% | 3,009 |
| Noninterest expense to average assets | 3.1986% | 3,301 |
| Loan and lease loss provision to assets | 0.5250% | 3,285 |
| Net operating income to assets | 0.2815% | 4,856 |
| Return on assets (ROA) | 0.3486% | 4,699 |
| Pretax return on assets | 0.5020% | 4,515 |
| Return on Equity (ROE) | 1.6557% | 5,282 |
| Retained earnings to average equity (ytd only) | 1.6557% | 4,387 |
| Net charge-offs to loans | 0.3053% | 4,123 |
| Credit loss provision to net charge-offs | 276.5125% | 1,524 |
| Earnings coverage of net charge-offs (x) | 4.8968% | 2,977 |
| Efficiency ratio | 73.9771% | 3,866 |
| Assets per employee ($millions) | 3.5477% | 4,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8213% | 2,218 |
| Loan loss allowance to noncurrent loans | 69.4411% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 2.0499% | 3,284 |
| Noncurrent loans to loans | 2.6228% | 2,884 |
| Net loans and leases to total assets | 61.1982% | 5,383 |
| Net loans and leases to deposits | 85.5509% | 3,405 |
| Net loans and leases to core deposits | 105.4922% | 3,758 |
| Total domestic deposits to total assets | 71.5342% | 7,275 |
| Equity capital to assets | 20.4553% | 311 |
| Core capital (leverage) ratio | 11.7184% | 1,960 |
| Tier 1 risk-based capital ratio | 12.9368% | 4,238 |
| Total risk-based capital ratio | 14.1880% | 4,163 |
| Memoranda: | ||
| Average total assets | $197,334,250 | 3,229 |
| Average earning assets | $157,835,250 | 3,582 |
| Average equity | $41,553,250 | 1,629 |
| Average total loans | $122,710,000 | 3,454 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0017% | 2,174 |
| Cost of funding earning assets | 1.7691% | 4,911 |
| Net interest margin | 4.2326% | 1,872 |
| Noninterest income to average assets | 0.6303% | 3,467 |
| Noninterest expense to average assets | 3.2171% | 3,284 |
| Loan and lease loss provision to assets | 0.2087% | 4,955 |
| Net operating income to assets | 0.3989% | 4,515 |
| Return on assets (ROA) | 0.4966% | 4,226 |
| Pretax return on assets | 0.7495% | 3,831 |
| Return on Equity (ROE) | 2.3348% | 5,165 |
| Retained earnings to average equity (ytd only) | 2.3348% | 4,036 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1552% | 3,661 |
| Assets per employee ($millions) | 3.4794% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6536% | 2,512 |
| Loan loss allowance to noncurrent loans | 75.7228% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.3369% | 4,278 |
| Noncurrent loans to loans | 2.1838% | 3,276 |
| Net loans and leases to total assets | 60.2097% | 5,642 |
| Net loans and leases to deposits | 84.5282% | 3,791 |
| Net loans and leases to core deposits | 104.2666% | 4,036 |
| Total domestic deposits to total assets | 71.2304% | 7,336 |
| Equity capital to assets | 20.6464% | 345 |
| Core capital (leverage) ratio | 11.9704% | 1,843 |
| Tier 1 risk-based capital ratio | 15.2985% | 2,885 |
| Total risk-based capital ratio | 16.5574% | 2,819 |
| Memoranda: | ||
| Average total assets | $194,523,670 | 3,285 |
| Average earning assets | $156,123,000 | 3,630 |
| Average equity | $41,374,330 | 1,639 |
| Average total loans | $120,859,670 | 3,519 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2138% | 1,557 |
| Cost of funding earning assets | 1.8875% | 4,701 |
| Net interest margin | 4.3263% | 1,530 |
| Noninterest income to average assets | 0.5344% | 4,029 |
| Noninterest expense to average assets | 3.1831% | 3,062 |
| Loan and lease loss provision to assets | 0.0042% | 6,729 |
| Net operating income to assets | 0.5313% | 4,291 |
| Return on assets (ROA) | 0.7334% | 3,605 |
| Pretax return on assets | 1.1022% | 2,979 |
| Return on Equity (ROE) | 3.3957% | 5,211 |
| Retained earnings to average equity (ytd only) | 3.3957% | 3,996 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9327% | 3,504 |
| Assets per employee ($millions) | 3.5027% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5274% | 2,829 |
| Loan loss allowance to noncurrent loans | 70.8734% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.3017% | 4,076 |
| Noncurrent loans to loans | 2.1551% | 3,045 |
| Net loans and leases to total assets | 59.4796% | 5,737 |
| Net loans and leases to deposits | 84.5339% | 3,890 |
| Net loans and leases to core deposits | 107.2649% | 3,768 |
| Total domestic deposits to total assets | 70.3619% | 7,393 |
| Equity capital to assets | 20.7498% | 373 |
| Core capital (leverage) ratio | 12.1901% | 1,822 |
| Tier 1 risk-based capital ratio | 15.3999% | 2,891 |
| Total risk-based capital ratio | 16.6580% | 2,822 |
| Memoranda: | ||
| Average total assets | $190,884,000 | 3,348 |
| Average earning assets | $152,371,500 | 3,707 |
| Average equity | $41,229,000 | 1,648 |
| Average total loans | $119,515,500 | 3,573 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8900% | 1,425 |
| Cost of funding earning assets | 2.2820% | 5,238 |
| Net interest margin | 4.6081% | 1,158 |
| Noninterest income to average assets | 0.5440% | 4,277 |
| Noninterest expense to average assets | 3.1003% | 3,691 |
| Loan and lease loss provision to assets | 0.0022% | 7,320 |
| Net operating income to assets | 0.6806% | 3,983 |
| Return on assets (ROA) | 0.7008% | 3,725 |
| Pretax return on assets | 1.0602% | 3,181 |
| Return on Equity (ROE) | 3.1816% | 5,163 |
| Retained earnings to average equity (ytd only) | 3.1816% | 3,169 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6675% | 4,206 |
| Assets per employee ($millions) | 3.0867% | 5,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 2,434 |
| Loan loss allowance to noncurrent loans | 92.2306% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.0955% | 4,094 |
| Noncurrent loans to loans | 1.6845% | 3,242 |
| Net loans and leases to total assets | 64.0234% | 5,268 |
| Net loans and leases to deposits | 90.5409% | 3,355 |
| Net loans and leases to core deposits | 114.1432% | 3,329 |
| Total domestic deposits to total assets | 70.7121% | 7,202 |
| Equity capital to assets | 22.5300% | 330 |
| Core capital (leverage) ratio | 13.0834% | 1,521 |
| Tier 1 risk-based capital ratio | 15.5012% | 2,846 |
| Total risk-based capital ratio | 16.7598% | 2,779 |
| Memoranda: | ||
| Average total assets | $183,080,600 | 3,370 |
| Average earning assets | $142,553,400 | 3,797 |
| Average equity | $40,326,200 | 1,665 |
| Average total loans | $119,653,200 | 3,466 |