Home > Vantagesouth Bank > Performance and Condition Ratios
Vantagesouth 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 | 4.7366% | 1,208 |
| Cost of funding earning assets | 0.4185% | 3,677 |
| Net interest margin | 4.3181% | 989 |
| Noninterest income to average assets | 0.9009% | 1,493 |
| Noninterest expense to average assets | 3.4199% | 1,631 |
| Loan and lease loss provision to assets | 0.1654% | 1,480 |
| Net operating income to assets | 0.6369% | 4,172 |
| Return on assets (ROA) | 0.6500% | 4,203 |
| Pretax return on assets | 1.1045% | 3,084 |
| Return on Equity (ROE) | 5.0058% | 4,670 |
| Retained earnings to average equity (ytd only) | 3.5532% | 3,934 |
| Net charge-offs to loans | 0.1936% | 1,867 |
| Credit loss provision to net charge-offs | 130.3120% | 1,606 |
| Earnings coverage of net charge-offs (x) | 9.8432% | 2,309 |
| Efficiency ratio | 72.0674% | 3,324 |
| Assets per employee ($millions) | 5.0422% | 2,158 |
| Cash dividends to net income (ytd only)* | 29.0192% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5402% | 6,373 |
| Loan loss allowance to noncurrent loans | 35.6030% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 1.4115% | 2,318 |
| Noncurrent loans to loans | 1.5174% | 2,290 |
| Net loans and leases to total assets | 64.1645% | 3,052 |
| Net loans and leases to deposits | 81.6384% | 2,294 |
| Net loans and leases to core deposits | 98.3873% | 1,415 |
| Total domestic deposits to total assets | 78.5959% | 5,532 |
| Equity capital to assets | 13.0727% | 1,337 |
| Core capital (leverage) ratio | 10.3119% | 3,198 |
| Tier 1 risk-based capital ratio | 12.2607% | 5,378 |
| Total risk-based capital ratio | 13.1206% | 5,538 |
| Memoranda: | ||
| Average total assets | $2,120,724,330 | 347 |
| Average earning assets | $1,850,763,670 | 359 |
| Average equity | $275,358,330 | 305 |
| Average total loans | $1,390,213,000 | 342 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7423% | 1,163 |
| Cost of funding earning assets | 0.4165% | 3,803 |
| Net interest margin | 4.3258% | 951 |
| Noninterest income to average assets | 0.8647% | 1,503 |
| Noninterest expense to average assets | 3.5216% | 1,448 |
| Loan and lease loss provision to assets | 0.2443% | 890 |
| Net operating income to assets | 0.5164% | 4,603 |
| Return on assets (ROA) | 0.5164% | 4,682 |
| Pretax return on assets | 0.8946% | 3,715 |
| Return on Equity (ROE) | 3.9913% | 5,041 |
| Retained earnings to average equity (ytd only) | 3.9913% | 3,721 |
| Net charge-offs to loans | 0.3210% | 1,108 |
| Credit loss provision to net charge-offs | 115.1786% | 1,500 |
| Earnings coverage of net charge-offs (x) | 5.3696% | 2,377 |
| Efficiency ratio | 74.4362% | 3,063 |
| Assets per employee ($millions) | 4.7099% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5178% | 6,491 |
| Loan loss allowance to noncurrent loans | 34.8555% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 1.4073% | 2,518 |
| Noncurrent loans to loans | 1.4855% | 2,558 |
| Net loans and leases to total assets | 65.8263% | 2,594 |
| Net loans and leases to deposits | 83.3184% | 1,903 |
| Net loans and leases to core deposits | 100.1307% | 1,098 |
| Total domestic deposits to total assets | 79.0056% | 5,685 |
| Equity capital to assets | 13.0746% | 1,278 |
| Core capital (leverage) ratio | 10.1448% | 3,359 |
| Tier 1 risk-based capital ratio | 11.9985% | 5,649 |
| Total risk-based capital ratio | 12.8523% | 5,811 |
| Memoranda: | ||
| Average total assets | $2,112,134,000 | 350 |
| Average earning assets | $1,853,364,500 | 360 |
| Average equity | $273,297,000 | 304 |
| Average total loans | $1,395,706,500 | 339 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3573% | 478 |
| Cost of funding earning assets | 0.4803% | 3,816 |
| Net interest margin | 4.8771% | 379 |
| Noninterest income to average assets | 1.3744% | 741 |
| Noninterest expense to average assets | 4.7631% | 421 |
| Loan and lease loss provision to assets | 0.3266% | 996 |
| Net operating income to assets | 0.4440% | 4,980 |
| Return on assets (ROA) | 0.4991% | 4,873 |
| Pretax return on assets | 0.6558% | 4,680 |
| Return on Equity (ROE) | 3.6987% | 5,236 |
| Retained earnings to average equity (ytd only) | 3.6987% | 3,585 |
| Net charge-offs to loans | 0.2131% | 2,754 |
| Credit loss provision to net charge-offs | 225.6188% | 1,012 |
| Earnings coverage of net charge-offs (x) | 6.2863% | 3,093 |
| Efficiency ratio | 82.8972% | 1,764 |
| Assets per employee ($millions) | 4.6570% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5037% | 6,568 |
| Loan loss allowance to noncurrent loans | 33.6583% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 1.4714% | 2,528 |
| Noncurrent loans to loans | 1.4964% | 2,648 |
| Net loans and leases to total assets | 65.6601% | 2,742 |
| Net loans and leases to deposits | 82.7934% | 2,095 |
| Net loans and leases to core deposits | 98.0645% | 1,299 |
| Total domestic deposits to total assets | 79.3060% | 5,603 |
| Equity capital to assets | 12.8051% | 1,366 |
| Core capital (leverage) ratio | 10.1582% | 3,349 |
| Tier 1 risk-based capital ratio | 11.8517% | 5,704 |
| Total risk-based capital ratio | 12.6987% | 5,871 |
| Memoranda: | ||
| Average total assets | $1,674,740,400 | 413 |
| Average earning assets | $1,476,085,600 | 422 |
| Average equity | $225,974,200 | 339 |
| Average total loans | $1,137,511,800 | 391 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4530% | 400 |
| Cost of funding earning assets | 0.4989% | 3,776 |
| Net interest margin | 4.9541% | 345 |
| Noninterest income to average assets | 1.5838% | 584 |
| Noninterest expense to average assets | 5.2663% | 290 |
| Loan and lease loss provision to assets | 0.4018% | 748 |
| Net operating income to assets | 0.2778% | 5,681 |
| Return on assets (ROA) | 0.3804% | 5,470 |
| Pretax return on assets | 0.3855% | 5,664 |
| Return on Equity (ROE) | 2.7711% | 5,688 |
| Retained earnings to average equity (ytd only) | 2.7711% | 4,658 |
| Net charge-offs to loans | 0.2084% | 2,574 |
| Credit loss provision to net charge-offs | 281.1456% | 903 |
| Earnings coverage of net charge-offs (x) | 4.7840% | 3,353 |
| Efficiency ratio | 87.4794% | 1,215 |
| Assets per employee ($millions) | 4.3144% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5169% | 6,645 |
| Loan loss allowance to noncurrent loans | 37.1953% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 1.4742% | 2,727 |
| Noncurrent loans to loans | 1.3898% | 3,089 |
| Net loans and leases to total assets | 66.1939% | 2,605 |
| Net loans and leases to deposits | 83.1488% | 1,985 |
| Net loans and leases to core deposits | 96.8288% | 1,330 |
| Total domestic deposits to total assets | 79.6090% | 5,606 |
| Equity capital to assets | 13.1467% | 1,267 |
| Core capital (leverage) ratio | 9.9535% | 3,735 |
| Tier 1 risk-based capital ratio | 11.7806% | 5,915 |
| Total risk-based capital ratio | 12.6562% | 6,066 |
| Memoranda: | ||
| Average total assets | $1,563,695,250 | 443 |
| Average earning assets | $1,378,115,250 | 446 |
| Average equity | $214,635,500 | 360 |
| Average total loans | $1,072,307,500 | 407 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5105% | 367 |
| Cost of funding earning assets | 0.5387% | 3,514 |
| Net interest margin | 4.9718% | 326 |
| Noninterest income to average assets | 2.1339% | 406 |
| Noninterest expense to average assets | 6.1943% | 192 |
| Loan and lease loss provision to assets | 0.4891% | 570 |
| Net operating income to assets | 0.2691% | 5,720 |
| Return on assets (ROA) | 0.4423% | 5,214 |
| Pretax return on assets | 0.0011% | 6,352 |
| Return on Equity (ROE) | 3.1572% | 5,564 |
| Retained earnings to average equity (ytd only) | 3.1572% | 4,312 |
| Net charge-offs to loans | 0.2059% | 2,525 |
| Credit loss provision to net charge-offs | 341.4925% | 763 |
| Earnings coverage of net charge-offs (x) | 2.2139% | 3,789 |
| Efficiency ratio | 94.1273% | 760 |
| Assets per employee ($millions) | 4.1421% | 3,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4776% | 6,720 |
| Loan loss allowance to noncurrent loans | 42.5046% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 1.2994% | 3,178 |
| Noncurrent loans to loans | 1.1236% | 3,687 |
| Net loans and leases to total assets | 66.6495% | 2,477 |
| Net loans and leases to deposits | 80.8959% | 2,197 |
| Net loans and leases to core deposits | 93.6843% | 1,548 |
| Total domestic deposits to total assets | 82.3892% | 4,915 |
| Equity capital to assets | 11.6900% | 2,138 |
| Core capital (leverage) ratio | 8.2634% | 5,936 |
| Tier 1 risk-based capital ratio | 10.2247% | 6,582 |
| Total risk-based capital ratio | 11.1096% | 6,645 |
| Memoranda: | ||
| Average total assets | $1,403,255,670 | 480 |
| Average earning assets | $1,235,539,670 | 488 |
| Average equity | $196,563,670 | 391 |
| Average total loans | $976,173,670 | 434 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7869% | 1,319 |
| Cost of funding earning assets | 0.6091% | 3,022 |
| Net interest margin | 4.1779% | 1,248 |
| Noninterest income to average assets | 0.7862% | 2,184 |
| Noninterest expense to average assets | 4.5328% | 518 |
| Loan and lease loss provision to assets | 0.7052% | 340 |
| Net operating income to assets | -0.5262% | 6,685 |
| Return on assets (ROA) | -0.2603% | 6,588 |
| Pretax return on assets | -0.3871% | 6,630 |
| Return on Equity (ROE) | -1.6142% | 6,541 |
| Retained earnings to average equity (ytd only) | -1.6142% | 6,036 |
| Net charge-offs to loans | 0.2077% | 2,173 |
| Credit loss provision to net charge-offs | 472.0195% | 560 |
| Earnings coverage of net charge-offs (x) | -0.5280% | 3,926 |
| Efficiency ratio | 100.3673% | 534 |
| Assets per employee ($millions) | 4.1018% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6880% | 6,618 |
| Loan loss allowance to noncurrent loans | 46.8708% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 1.4222% | 3,135 |
| Noncurrent loans to loans | 1.4680% | 3,359 |
| Net loans and leases to total assets | 71.5040% | 1,432 |
| Net loans and leases to deposits | 88.1506% | 1,135 |
| Net loans and leases to core deposits | 104.7882% | 688 |
| Total domestic deposits to total assets | 81.1157% | 5,468 |
| Equity capital to assets | 15.8454% | 584 |
| Core capital (leverage) ratio | 11.0771% | 2,198 |
| Tier 1 risk-based capital ratio | 13.1326% | 5,116 |
| Total risk-based capital ratio | 14.5782% | 4,943 |
| Memoranda: | ||
| Average total assets | $1,100,414,000 | 607 |
| Average earning assets | $966,045,000 | 628 |
| Average equity | $177,423,000 | 433 |
| Average total loans | $791,574,500 | 522 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6580% | 2,765 |
| Cost of funding earning assets | 0.6106% | 4,244 |
| Net interest margin | 4.0473% | 2,211 |
| Noninterest income to average assets | 0.8388% | 2,087 |
| Noninterest expense to average assets | 3.8895% | 1,110 |
| Loan and lease loss provision to assets | 0.4798% | 1,280 |
| Net operating income to assets | 0.2890% | 5,507 |
| Return on assets (ROA) | 0.4054% | 5,331 |
| Pretax return on assets | 0.1084% | 6,147 |
| Return on Equity (ROE) | 2.5084% | 5,748 |
| Retained earnings to average equity (ytd only) | 2.5084% | 4,464 |
| Net charge-offs to loans | 0.3309% | 2,985 |
| Credit loss provision to net charge-offs | 211.6079% | 1,203 |
| Earnings coverage of net charge-offs (x) | 2.0804% | 4,371 |
| Efficiency ratio | 88.6460% | 1,181 |
| Assets per employee ($millions) | 4.0642% | 3,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5127% | 6,831 |
| Loan loss allowance to noncurrent loans | 31.3274% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 1.6446% | 2,932 |
| Noncurrent loans to loans | 1.6365% | 3,170 |
| Net loans and leases to total assets | 71.4989% | 1,570 |
| Net loans and leases to deposits | 88.6931% | 1,198 |
| Net loans and leases to core deposits | 103.1714% | 829 |
| Total domestic deposits to total assets | 80.6138% | 5,506 |
| Equity capital to assets | 16.4091% | 489 |
| Core capital (leverage) ratio | 11.4496% | 1,911 |
| Tier 1 risk-based capital ratio | 13.6574% | 4,635 |
| Total risk-based capital ratio | 14.9612% | 4,543 |
| Memoranda: | ||
| Average total assets | $1,075,163,400 | 609 |
| Average earning assets | $935,726,600 | 637 |
| Average equity | $173,778,200 | 433 |
| Average total loans | $736,751,600 | 557 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1306% | 1,352 |
| Cost of funding earning assets | 0.6993% | 3,774 |
| Net interest margin | 4.4312% | 1,137 |
| Noninterest income to average assets | 0.7570% | 2,443 |
| Noninterest expense to average assets | 3.8957% | 1,066 |
| Loan and lease loss provision to assets | 0.6078% | 897 |
| Net operating income to assets | 0.0413% | 6,218 |
| Return on assets (ROA) | 0.1152% | 6,239 |
| Pretax return on assets | 0.1639% | 6,179 |
| Return on Equity (ROE) | 0.6481% | 6,315 |
| Retained earnings to average equity (ytd only) | 0.6481% | 5,897 |
| Net charge-offs to loans | 0.4229% | 2,402 |
| Credit loss provision to net charge-offs | 220.3190% | 1,262 |
| Earnings coverage of net charge-offs (x) | 2.4146% | 4,075 |
| Efficiency ratio | 84.7050% | 1,509 |
| Assets per employee ($millions) | 4.2892% | 3,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4132% | 7,002 |
| Loan loss allowance to noncurrent loans | 25.0276% | 6,343 |
| Noncurrent assets plus other real estate owned to assets | 1.4936% | 3,353 |
| Noncurrent loans to loans | 1.6508% | 3,315 |
| Net loans and leases to total assets | 68.7709% | 2,161 |
| Net loans and leases to deposits | 85.8236% | 1,619 |
| Net loans and leases to core deposits | 103.6855% | 884 |
| Total domestic deposits to total assets | 80.1306% | 5,618 |
| Equity capital to assets | 18.4635% | 329 |
| Core capital (leverage) ratio | 12.2095% | 1,531 |
| Tier 1 risk-based capital ratio | 13.8121% | 4,685 |
| Total risk-based capital ratio | 15.2009% | 4,515 |
| Memoranda: | ||
| Average total assets | $818,245,250 | 811 |
| Average earning assets | $702,571,000 | 866 |
| Average equity | $145,441,500 | 494 |
| Average total loans | $533,818,750 | 778 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1211% | 1,453 |
| Cost of funding earning assets | 0.7215% | 3,834 |
| Net interest margin | 4.3996% | 1,197 |
| Noninterest income to average assets | 0.7306% | 2,515 |
| Noninterest expense to average assets | 3.7167% | 1,342 |
| Loan and lease loss provision to assets | 0.6708% | 839 |
| Net operating income to assets | 0.0934% | 6,183 |
| Return on assets (ROA) | 0.1253% | 6,266 |
| Pretax return on assets | 0.1561% | 6,215 |
| Return on Equity (ROE) | 0.7141% | 6,351 |
| Retained earnings to average equity (ytd only) | 0.7141% | 5,776 |
| Net charge-offs to loans | 0.3349% | 2,682 |
| Credit loss provision to net charge-offs | 312.8668% | 939 |
| Earnings coverage of net charge-offs (x) | 3.6704% | 3,306 |
| Efficiency ratio | 81.8333% | 1,902 |
| Assets per employee ($millions) | 4.4277% | 3,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4131% | 7,078 |
| Loan loss allowance to noncurrent loans | 14.3138% | 6,652 |
| Noncurrent assets plus other real estate owned to assets | 2.2456% | 2,493 |
| Noncurrent loans to loans | 2.8860% | 2,077 |
| Net loans and leases to total assets | 62.1879% | 3,395 |
| Net loans and leases to deposits | 76.9053% | 2,850 |
| Net loans and leases to core deposits | 94.8594% | 1,516 |
| Total domestic deposits to total assets | 80.8630% | 5,515 |
| Equity capital to assets | 17.7799% | 360 |
| Core capital (leverage) ratio | 12.1084% | 1,546 |
| Tier 1 risk-based capital ratio | 14.2223% | 4,287 |
| Total risk-based capital ratio | 15.6107% | 4,162 |
| Memoranda: | ||
| Average total assets | $826,490,000 | 802 |
| Average earning assets | $708,796,330 | 851 |
| Average equity | $145,085,330 | 495 |
| Average total loans | $529,102,000 | 784 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2414% | 1,229 |
| Cost of funding earning assets | 0.7157% | 4,147 |
| Net interest margin | 4.5257% | 963 |
| Noninterest income to average assets | 0.7049% | 2,637 |
| Noninterest expense to average assets | 3.6566% | 1,455 |
| Loan and lease loss provision to assets | 0.3874% | 1,625 |
| Net operating income to assets | 0.3611% | 5,421 |
| Return on assets (ROA) | 0.4230% | 5,345 |
| Pretax return on assets | 0.6350% | 4,994 |
| Return on Equity (ROE) | 2.4253% | 5,931 |
| Retained earnings to average equity (ytd only) | 2.4253% | 5,049 |
| Net charge-offs to loans | 0.2186% | 2,832 |
| Credit loss provision to net charge-offs | 273.4694% | 1,064 |
| Earnings coverage of net charge-offs (x) | 6.5646% | 2,185 |
| Efficiency ratio | 79.0419% | 2,347 |
| Assets per employee ($millions) | 4.7181% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1420% | 7,213 |
| Loan loss allowance to noncurrent loans | 4.7783% | 6,785 |
| Noncurrent assets plus other real estate owned to assets | 2.3906% | 2,486 |
| Noncurrent loans to loans | 2.9714% | 2,171 |
| Net loans and leases to total assets | 62.7785% | 3,103 |
| Net loans and leases to deposits | 78.0532% | 2,496 |
| Net loans and leases to core deposits | 97.1325% | 1,190 |
| Total domestic deposits to total assets | 80.4305% | 5,744 |
| Equity capital to assets | 17.6424% | 368 |
| Core capital (leverage) ratio | 12.1820% | 1,489 |
| Tier 1 risk-based capital ratio | 14.9577% | 3,785 |
| Total risk-based capital ratio | 16.1655% | 3,782 |
| Memoranda: | ||
| Average total assets | $830,172,500 | 800 |
| Average earning assets | $712,021,500 | 847 |
| Average equity | $144,808,000 | 492 |
| Average total loans | $537,898,000 | 774 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5561% | 7,338 |
| Cost of funding earning assets | 0.1629% | 7,270 |
| Net interest margin | 0.3932% | 7,339 |
| Noninterest income to average assets | 0.0550% | 6,812 |
| Noninterest expense to average assets | 0.4617% | 7,330 |
| Loan and lease loss provision to assets | 0.0245% | 6,264 |
| Net operating income to assets | -0.0315% | 6,083 |
| Return on assets (ROA) | -0.0353% | 6,192 |
| Pretax return on assets | -0.0828% | 6,203 |
| Return on Equity (ROE) | -0.3595% | 6,197 |
| Retained earnings to average equity (ytd only) | -0.3595% | 5,910 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.9588% | 400 |
| Assets per employee ($millions) | 5.1207% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0408% | 7,287 |
| Loan loss allowance to noncurrent loans | 0.9918% | 6,863 |
| Noncurrent assets plus other real estate owned to assets | 3.7206% | 1,569 |
| Noncurrent loans to loans | 4.1112% | 1,506 |
| Net loans and leases to total assets | 66.6713% | 2,649 |
| Net loans and leases to deposits | 81.8621% | 2,217 |
| Net loans and leases to core deposits | 104.0834% | 901 |
| Total domestic deposits to total assets | 81.4434% | 5,314 |
| Equity capital to assets | 17.2460% | 420 |
| Core capital (leverage) ratio | 10.1875% | 3,098 |
| Tier 1 risk-based capital ratio | 13.6249% | 4,609 |
| Total risk-based capital ratio | 14.6374% | 4,753 |
| Memoranda: | ||
| Average total assets | $925,327,200 | 703 |
| Average earning assets | $834,012,800 | 711 |
| Average equity | $90,966,600 | 743 |
| Average total loans | $629,991,200 | 658 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0390% | 2,893 |
| Cost of funding earning assets | 2.0237% | 109 |
| Net interest margin | 3.0153% | 6,555 |
| Noninterest income to average assets | 0.2328% | 5,953 |
| Noninterest expense to average assets | 2.8230% | 4,261 |
| Loan and lease loss provision to assets | 2.0409% | 259 |
| Net operating income to assets | -1.8846% | 7,118 |
| Return on assets (ROA) | -1.8426% | 7,118 |
| Pretax return on assets | -1.8426% | 7,091 |
| Return on Equity (ROE) | -22.4747% | 7,133 |
| Retained earnings to average equity (ytd only) | -22.4747% | 7,122 |
| Net charge-offs to loans | 2.5938% | 414 |
| Credit loss provision to net charge-offs | 115.0571% | 2,841 |
| Earnings coverage of net charge-offs (x) | 0.0881% | 5,537 |
| Efficiency ratio | 94.2832% | 903 |
| Assets per employee ($millions) | 5.6130% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6524% | 505 |
| Loan loss allowance to noncurrent loans | 52.4203% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 6.0665% | 877 |
| Noncurrent loans to loans | 6.9675% | 714 |
| Net loans and leases to total assets | 65.1645% | 3,073 |
| Net loans and leases to deposits | 86.6655% | 1,594 |
| Net loans and leases to core deposits | 116.1966% | 492 |
| Total domestic deposits to total assets | 75.1907% | 6,618 |
| Equity capital to assets | 7.9849% | 6,703 |
| Core capital (leverage) ratio | 7.1076% | 6,925 |
| Tier 1 risk-based capital ratio | 9.0977% | 7,104 |
| Total risk-based capital ratio | 11.4224% | 6,897 |
| Memoranda: | ||
| Average total assets | $947,989,250 | 696 |
| Average earning assets | $863,487,750 | 688 |
| Average equity | $77,721,000 | 872 |
| Average total loans | $648,309,500 | 645 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9762% | 3,282 |
| Cost of funding earning assets | 2.0791% | 111 |
| Net interest margin | 2.8971% | 6,795 |
| Noninterest income to average assets | 0.1337% | 6,653 |
| Noninterest expense to average assets | 2.8348% | 4,291 |
| Loan and lease loss provision to assets | 2.0978% | 284 |
| Net operating income to assets | -2.1614% | 7,219 |
| Return on assets (ROA) | -2.1384% | 7,223 |
| Pretax return on assets | -2.1384% | 7,192 |
| Return on Equity (ROE) | -25.8690% | 7,203 |
| Retained earnings to average equity (ytd only) | -25.8690% | 7,194 |
| Net charge-offs to loans | 2.5654% | 449 |
| Credit loss provision to net charge-offs | 119.1542% | 2,573 |
| Earnings coverage of net charge-offs (x) | -0.0361% | 5,307 |
| Efficiency ratio | 101.7911% | 668 |
| Assets per employee ($millions) | 5.7688% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4963% | 596 |
| Loan loss allowance to noncurrent loans | 56.3654% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 5.4791% | 1,082 |
| Noncurrent loans to loans | 6.2030% | 934 |
| Net loans and leases to total assets | 65.1141% | 3,231 |
| Net loans and leases to deposits | 85.9671% | 1,801 |
| Net loans and leases to core deposits | 119.6941% | 428 |
| Total domestic deposits to total assets | 75.7430% | 6,637 |
| Equity capital to assets | 7.9709% | 6,701 |
| Core capital (leverage) ratio | 7.3662% | 6,833 |
| Tier 1 risk-based capital ratio | 9.3598% | 7,129 |
| Total risk-based capital ratio | 11.6420% | 6,826 |
| Memoranda: | ||
| Average total assets | $959,013,670 | 700 |
| Average earning assets | $873,084,330 | 690 |
| Average equity | $79,276,330 | 852 |
| Average total loans | $658,145,670 | 645 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 3,522 |
| Cost of funding earning assets | 2.1103% | 117 |
| Net interest margin | 2.8034% | 6,900 |
| Noninterest income to average assets | 0.3182% | 5,377 |
| Noninterest expense to average assets | 2.8765% | 4,161 |
| Loan and lease loss provision to assets | 2.9101% | 162 |
| Net operating income to assets | -2.9130% | 7,386 |
| Return on assets (ROA) | -2.8711% | 7,386 |
| Pretax return on assets | -2.8711% | 7,364 |
| Return on Equity (ROE) | -34.1344% | 7,349 |
| Retained earnings to average equity (ytd only) | -34.1344% | 7,325 |
| Net charge-offs to loans | 2.5394% | 442 |
| Credit loss provision to net charge-offs | 165.6213% | 1,753 |
| Earnings coverage of net charge-offs (x) | -0.0017% | 4,581 |
| Efficiency ratio | 99.6251% | 761 |
| Assets per employee ($millions) | 5.8103% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5932% | 564 |
| Loan loss allowance to noncurrent loans | 50.3225% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 6.1365% | 926 |
| Noncurrent loans to loans | 7.1404% | 760 |
| Net loans and leases to total assets | 65.7244% | 3,087 |
| Net loans and leases to deposits | 86.6454% | 1,630 |
| Net loans and leases to core deposits | 123.6750% | 350 |
| Total domestic deposits to total assets | 75.8544% | 6,692 |
| Equity capital to assets | 8.0907% | 6,397 |
| Core capital (leverage) ratio | 7.3921% | 6,795 |
| Tier 1 risk-based capital ratio | 9.4420% | 7,159 |
| Total risk-based capital ratio | 11.7186% | 6,810 |
| Memoranda: | ||
| Average total assets | $965,476,000 | 697 |
| Average earning assets | $880,068,000 | 690 |
| Average equity | $81,208,500 | 818 |
| Average total loans | $668,040,500 | 638 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5965% | 1,901 |
| Cost of funding earning assets | 2.4066% | 149 |
| Net interest margin | 3.1899% | 6,289 |
| Noninterest income to average assets | 0.3859% | 5,014 |
| Noninterest expense to average assets | 2.6185% | 5,339 |
| Loan and lease loss provision to assets | 2.0463% | 638 |
| Net operating income to assets | -0.9618% | 6,656 |
| Return on assets (ROA) | -0.9600% | 6,699 |
| Pretax return on assets | -1.3528% | 6,800 |
| Return on Equity (ROE) | -10.3059% | 6,739 |
| Retained earnings to average equity (ytd only) | -12.4652% | 6,778 |
| Net charge-offs to loans | 2.3947% | 792 |
| Credit loss provision to net charge-offs | 118.2140% | 3,603 |
| Earnings coverage of net charge-offs (x) | 0.3992% | 5,708 |
| Efficiency ratio | 78.7164% | 2,575 |
| Assets per employee ($millions) | 5.6526% | 1,454 |
| Cash dividends to net income (ytd only)* | -20.9512% | 7,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0333% | 847 |
| Loan loss allowance to noncurrent loans | 67.7200% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 4.5404% | 1,470 |
| Noncurrent loans to loans | 4.4792% | 1,584 |
| Net loans and leases to total assets | 68.0682% | 2,971 |
| Net loans and leases to deposits | 91.0816% | 1,387 |
| Net loans and leases to core deposits | 132.8665% | 296 |
| Total domestic deposits to total assets | 74.7332% | 6,803 |
| Equity capital to assets | 8.7273% | 5,544 |
| Core capital (leverage) ratio | 8.1149% | 5,987 |
| Tier 1 risk-based capital ratio | 10.0382% | 6,968 |
| Total risk-based capital ratio | 12.2743% | 6,281 |
| Memoranda: | ||
| Average total assets | $994,344,800 | 666 |
| Average earning assets | $911,350,800 | 662 |
| Average equity | $92,626,200 | 720 |
| Average total loans | $718,742,000 | 607 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6949% | 1,732 |
| Cost of funding earning assets | 2.4612% | 163 |
| Net interest margin | 3.2337% | 6,236 |
| Noninterest income to average assets | 0.3122% | 5,656 |
| Noninterest expense to average assets | 2.5276% | 5,613 |
| Loan and lease loss provision to assets | 2.0187% | 587 |
| Net operating income to assets | -0.6807% | 6,719 |
| Return on assets (ROA) | -0.6807% | 6,765 |
| Pretax return on assets | -1.2647% | 6,966 |
| Return on Equity (ROE) | -7.1973% | 6,800 |
| Retained earnings to average equity (ytd only) | -7.1973% | 6,726 |
| Net charge-offs to loans | 2.6851% | 604 |
| Credit loss provision to net charge-offs | 103.2885% | 4,156 |
| Earnings coverage of net charge-offs (x) | 0.3858% | 5,642 |
| Efficiency ratio | 76.6152% | 2,828 |
| Assets per employee ($millions) | 6.0730% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5914% | 1,217 |
| Loan loss allowance to noncurrent loans | 53.5849% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 4.8306% | 1,358 |
| Noncurrent loans to loans | 4.8361% | 1,451 |
| Net loans and leases to total assets | 69.8215% | 2,772 |
| Net loans and leases to deposits | 94.2824% | 1,170 |
| Net loans and leases to core deposits | 141.9435% | 241 |
| Total domestic deposits to total assets | 74.0558% | 6,917 |
| Equity capital to assets | 9.3738% | 5,021 |
| Core capital (leverage) ratio | 8.9245% | 4,817 |
| Tier 1 risk-based capital ratio | 11.0168% | 6,369 |
| Total risk-based capital ratio | 13.2361% | 5,443 |
| Memoranda: | ||
| Average total assets | $999,869,250 | 660 |
| Average earning assets | $918,178,500 | 650 |
| Average equity | $94,570,000 | 709 |
| Average total loans | $727,804,250 | 599 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7931% | 1,443 |
| Cost of funding earning assets | 2.4943% | 177 |
| Net interest margin | 3.2988% | 6,023 |
| Noninterest income to average assets | 0.2255% | 6,300 |
| Noninterest expense to average assets | 2.4594% | 5,880 |
| Loan and lease loss provision to assets | 2.0193% | 609 |
| Net operating income to assets | -0.6537% | 6,783 |
| Return on assets (ROA) | -0.6537% | 6,803 |
| Pretax return on assets | -1.2173% | 6,976 |
| Return on Equity (ROE) | -6.8921% | 6,828 |
| Retained earnings to average equity (ytd only) | -6.8921% | 6,730 |
| Net charge-offs to loans | 2.5490% | 669 |
| Credit loss provision to net charge-offs | 108.3006% | 3,758 |
| Earnings coverage of net charge-offs (x) | 0.4301% | 5,296 |
| Efficiency ratio | 75.0030% | 3,262 |
| Assets per employee ($millions) | 6.1558% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5815% | 1,214 |
| Loan loss allowance to noncurrent loans | 153.7456% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 2.6455% | 2,731 |
| Noncurrent loans to loans | 1.6791% | 4,172 |
| Net loans and leases to total assets | 70.3007% | 2,837 |
| Net loans and leases to deposits | 95.7522% | 1,074 |
| Net loans and leases to core deposits | 148.9508% | 221 |
| Total domestic deposits to total assets | 73.4194% | 7,051 |
| Equity capital to assets | 9.5658% | 4,608 |
| Core capital (leverage) ratio | 9.1509% | 4,373 |
| Tier 1 risk-based capital ratio | 11.3183% | 5,926 |
| Total risk-based capital ratio | 13.5219% | 5,033 |
| Memoranda: | ||
| Average total assets | $1,009,267,000 | 655 |
| Average earning assets | $928,822,670 | 645 |
| Average equity | $95,732,330 | 691 |
| Average total loans | $738,243,000 | 591 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7055% | 1,756 |
| Cost of funding earning assets | 2.4828% | 235 |
| Net interest margin | 3.2227% | 6,219 |
| Noninterest income to average assets | 0.3740% | 5,146 |
| Noninterest expense to average assets | 2.3982% | 6,096 |
| Loan and lease loss provision to assets | 0.7053% | 1,805 |
| Net operating income to assets | 0.2448% | 5,523 |
| Return on assets (ROA) | 0.2448% | 5,644 |
| Pretax return on assets | 0.2522% | 5,742 |
| Return on Equity (ROE) | 2.5909% | 5,524 |
| Retained earnings to average equity (ytd only) | 2.5909% | 4,586 |
| Net charge-offs to loans | 1.3623% | 1,264 |
| Credit loss provision to net charge-offs | 70.3241% | 4,095 |
| Earnings coverage of net charge-offs (x) | 0.9547% | 4,197 |
| Efficiency ratio | 71.0818% | 4,106 |
| Assets per employee ($millions) | 6.4780% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2571% | 1,648 |
| Loan loss allowance to noncurrent loans | 57.1492% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 3.7138% | 1,882 |
| Noncurrent loans to loans | 3.9495% | 1,994 |
| Net loans and leases to total assets | 72.0205% | 2,439 |
| Net loans and leases to deposits | 101.7606% | 656 |
| Net loans and leases to core deposits | 162.3645% | 180 |
| Total domestic deposits to total assets | 70.7745% | 7,358 |
| Equity capital to assets | 9.6159% | 4,356 |
| Core capital (leverage) ratio | 9.3458% | 3,979 |
| Tier 1 risk-based capital ratio | 11.4588% | 5,715 |
| Total risk-based capital ratio | 13.6317% | 4,801 |
| Memoranda: | ||
| Average total assets | $1,021,436,500 | 663 |
| Average earning assets | $945,059,000 | 649 |
| Average equity | $96,490,500 | 685 |
| Average total loans | $751,985,000 | 600 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9125% | 2,181 |
| Cost of funding earning assets | 2.7975% | 449 |
| Net interest margin | 3.1150% | 6,330 |
| Noninterest income to average assets | 0.3610% | 5,506 |
| Noninterest expense to average assets | 5.1428% | 473 |
| Loan and lease loss provision to assets | 1.1022% | 2,069 |
| Net operating income to assets | -2.9128% | 7,374 |
| Return on assets (ROA) | -2.8884% | 7,377 |
| Pretax return on assets | -3.0153% | 7,296 |
| Return on Equity (ROE) | -26.9880% | 7,341 |
| Retained earnings to average equity (ytd only) | -26.9880% | 7,312 |
| Net charge-offs to loans | 0.8434% | 2,719 |
| Credit loss provision to net charge-offs | 176.1308% | 2,386 |
| Earnings coverage of net charge-offs (x) | -3.0978% | 7,058 |
| Efficiency ratio | 69.8767% | 4,652 |
| Assets per employee ($millions) | 6.5336% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3134% | 1,461 |
| Loan loss allowance to noncurrent loans | 94.8798% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 2.4043% | 2,895 |
| Noncurrent loans to loans | 2.4383% | 3,111 |
| Net loans and leases to total assets | 71.8566% | 2,786 |
| Net loans and leases to deposits | 102.3828% | 729 |
| Net loans and leases to core deposits | 130.0097% | 1,285 |
| Total domestic deposits to total assets | 70.1843% | 7,413 |
| Equity capital to assets | 9.2808% | 4,722 |
| Core capital (leverage) ratio | 8.8609% | 4,661 |
| Tier 1 risk-based capital ratio | 11.1632% | 5,763 |
| Total risk-based capital ratio | 13.3199% | 4,848 |
| Memoranda: | ||
| Average total assets | $1,045,745,600 | 646 |
| Average earning assets | $954,537,000 | 637 |
| Average equity | $111,920,200 | 585 |
| Average total loans | $775,935,800 | 589 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9257% | 2,336 |
| Cost of funding earning assets | 2.8576% | 519 |
| Net interest margin | 3.0681% | 6,407 |
| Noninterest income to average assets | 0.3494% | 5,701 |
| Noninterest expense to average assets | 2.2450% | 6,853 |
| Loan and lease loss provision to assets | 0.6084% | 2,954 |
| Net operating income to assets | 0.2636% | 4,937 |
| Return on assets (ROA) | 0.2289% | 5,140 |
| Pretax return on assets | 0.2478% | 5,191 |
| Return on Equity (ROE) | 2.0710% | 5,140 |
| Retained earnings to average equity (ytd only) | 2.0710% | 4,166 |
| Net charge-offs to loans | 0.6136% | 2,835 |
| Credit loss provision to net charge-offs | 133.3426% | 3,740 |
| Earnings coverage of net charge-offs (x) | 1.9593% | 4,347 |
| Efficiency ratio | 71.1162% | 4,404 |
| Assets per employee ($millions) | 6.7290% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7852% | 2,323 |
| Loan loss allowance to noncurrent loans | 83.3202% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 2.0538% | 3,275 |
| Noncurrent loans to loans | 2.1426% | 3,455 |
| Net loans and leases to total assets | 71.3156% | 3,194 |
| Net loans and leases to deposits | 104.7444% | 720 |
| Net loans and leases to core deposits | 128.6327% | 1,528 |
| Total domestic deposits to total assets | 68.0854% | 7,562 |
| Equity capital to assets | 11.4604% | 2,628 |
| Core capital (leverage) ratio | 8.5257% | 5,443 |
| Tier 1 risk-based capital ratio | 10.3377% | 6,635 |
| Total risk-based capital ratio | 12.4788% | 5,665 |
| Memoranda: | ||
| Average total assets | $1,049,105,250 | 653 |
| Average earning assets | $953,875,000 | 646 |
| Average equity | $115,948,750 | 576 |
| Average total loans | $780,082,750 | 604 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9510% | 2,385 |
| Cost of funding earning assets | 2.9013% | 607 |
| Net interest margin | 3.0497% | 6,404 |
| Noninterest income to average assets | 0.3456% | 5,740 |
| Noninterest expense to average assets | 2.2617% | 6,881 |
| Loan and lease loss provision to assets | 0.5417% | 2,861 |
| Net operating income to assets | 0.2937% | 4,923 |
| Return on assets (ROA) | 0.2212% | 5,271 |
| Pretax return on assets | 0.2375% | 5,362 |
| Return on Equity (ROE) | 2.0266% | 5,290 |
| Retained earnings to average equity (ytd only) | 2.0266% | 4,214 |
| Net charge-offs to loans | 0.5800% | 2,591 |
| Credit loss provision to net charge-offs | 124.6256% | 3,736 |
| Earnings coverage of net charge-offs (x) | 1.9718% | 4,104 |
| Efficiency ratio | 72.1066% | 4,392 |
| Assets per employee ($millions) | 6.9687% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6953% | 2,372 |
| Loan loss allowance to noncurrent loans | 98.5677% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 1.6526% | 3,723 |
| Noncurrent loans to loans | 1.7200% | 3,925 |
| Net loans and leases to total assets | 71.0181% | 3,459 |
| Net loans and leases to deposits | 106.3034% | 748 |
| Net loans and leases to core deposits | 130.0809% | 1,550 |
| Total domestic deposits to total assets | 66.8070% | 7,693 |
| Equity capital to assets | 11.1080% | 2,828 |
| Core capital (leverage) ratio | 8.3705% | 5,678 |
| Tier 1 risk-based capital ratio | 10.2382% | 6,664 |
| Total risk-based capital ratio | 12.3766% | 5,659 |
| Memoranda: | ||
| Average total assets | $1,044,413,330 | 667 |
| Average earning assets | $949,718,670 | 660 |
| Average equity | $113,983,330 | 593 |
| Average total loans | $782,778,330 | 622 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0248% | 2,257 |
| Cost of funding earning assets | 2.9514% | 681 |
| Net interest margin | 3.0734% | 6,278 |
| Noninterest income to average assets | 0.3518% | 5,631 |
| Noninterest expense to average assets | 2.1592% | 6,981 |
| Loan and lease loss provision to assets | 0.6590% | 1,921 |
| Net operating income to assets | 0.2949% | 5,315 |
| Return on assets (ROA) | 0.2299% | 5,723 |
| Pretax return on assets | 0.2579% | 5,790 |
| Return on Equity (ROE) | 2.1262% | 5,726 |
| Retained earnings to average equity (ytd only) | 2.1262% | 4,681 |
| Net charge-offs to loans | 0.2172% | 3,342 |
| Credit loss provision to net charge-offs | 397.4239% | 1,307 |
| Earnings coverage of net charge-offs (x) | 5.9696% | 2,573 |
| Efficiency ratio | 68.1588% | 4,934 |
| Assets per employee ($millions) | 7.3782% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7590% | 1,964 |
| Loan loss allowance to noncurrent loans | 84.3531% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.6793% | 3,406 |
| Noncurrent loans to loans | 2.0853% | 3,141 |
| Net loans and leases to total assets | 70.8631% | 3,499 |
| Net loans and leases to deposits | 104.3023% | 988 |
| Net loans and leases to core deposits | 126.0311% | 1,916 |
| Total domestic deposits to total assets | 67.9401% | 7,601 |
| Equity capital to assets | 10.8195% | 3,156 |
| Core capital (leverage) ratio | 8.4388% | 5,645 |
| Tier 1 risk-based capital ratio | 10.0869% | 6,821 |
| Total risk-based capital ratio | 12.2198% | 5,839 |
| Memoranda: | ||
| Average total assets | $1,030,026,500 | 674 |
| Average earning assets | $937,451,000 | 672 |
| Average equity | $111,370,000 | 605 |
| Average total loans | $786,517,000 | 627 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6014% | 2,491 |
| Cost of funding earning assets | 3.4481% | 609 |
| Net interest margin | 3.1533% | 6,511 |
| Noninterest income to average assets | 0.3899% | 5,558 |
| Noninterest expense to average assets | 2.1745% | 7,037 |
| Loan and lease loss provision to assets | 0.7109% | 2,076 |
| Net operating income to assets | 0.2691% | 5,647 |
| Return on assets (ROA) | 0.2704% | 5,458 |
| Pretax return on assets | 0.3622% | 5,352 |
| Return on Equity (ROE) | 2.4129% | 5,454 |
| Retained earnings to average equity (ytd only) | 2.4129% | 3,699 |
| Net charge-offs to loans | 0.2949% | 3,430 |
| Credit loss provision to net charge-offs | 298.4353% | 1,520 |
| Earnings coverage of net charge-offs (x) | 4.4975% | 3,961 |
| Efficiency ratio | 66.5451% | 5,014 |
| Assets per employee ($millions) | 6.5856% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6024% | 2,233 |
| Loan loss allowance to noncurrent loans | 96.1127% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.5298% | 3,159 |
| Noncurrent loans to loans | 1.6672% | 3,268 |
| Net loans and leases to total assets | 79.8269% | 1,698 |
| Net loans and leases to deposits | 107.9955% | 976 |
| Net loans and leases to core deposits | 126.2668% | 2,143 |
| Total domestic deposits to total assets | 73.9169% | 6,670 |
| Equity capital to assets | 10.8042% | 3,200 |
| Core capital (leverage) ratio | 7.8329% | 6,748 |
| Tier 1 risk-based capital ratio | 8.7136% | 7,944 |
| Total risk-based capital ratio | 10.8653% | 7,076 |
| Memoranda: | ||
| Average total assets | $912,268,400 | 730 |
| Average earning assets | $826,203,200 | 732 |
| Average equity | $102,240,600 | 655 |
| Average total loans | $736,750,400 | 652 |