Home > Verity Bank > Performance and Condition Ratios
Verity Bank, Performance and Condition Ratios
| 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 | 4.3845% | 2,197 |
| Cost of funding earning assets | 0.5322% | 2,579 |
| Net interest margin | 3.8523% | 2,264 |
| Noninterest income to average assets | 0.1540% | 6,051 |
| Noninterest expense to average assets | 2.6824% | 3,993 |
| Loan and lease loss provision to assets | -0.0562% | 6,458 |
| Net operating income to assets | 0.7164% | 3,595 |
| Return on assets (ROA) | 0.7164% | 3,682 |
| Pretax return on assets | 1.1737% | 2,593 |
| Return on Equity (ROE) | 5.7402% | 4,156 |
| Retained earnings to average equity (ytd only) | 5.7402% | 2,673 |
| Net charge-offs to loans | 0.0035% | 3,603 |
| Credit loss provision to net charge-offs | -2,300.0000% | 5,499 |
| Earnings coverage of net charge-offs (x) | 457.0000% | 91 |
| Efficiency ratio | 70.5920% | 3,725 |
| Assets per employee ($millions) | 7.8645% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5388% | 2,979 |
| Loan loss allowance to noncurrent loans | 881.5000% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 5,883 |
| Noncurrent loans to loans | 0.1746% | 5,569 |
| Net loans and leases to total assets | 68.3053% | 2,173 |
| Net loans and leases to deposits | 78.3010% | 2,507 |
| Net loans and leases to core deposits | 82.7598% | 2,666 |
| Total domestic deposits to total assets | 87.2343% | 2,674 |
| Equity capital to assets | 12.5023% | 1,576 |
| Core capital (leverage) ratio | 12.6152% | 1,336 |
| Tier 1 risk-based capital ratio | 17.3715% | 2,527 |
| Total risk-based capital ratio | 18.6244% | 2,494 |
| Memoranda: | ||
| Average total assets | $163,587,000 | 3,504 |
| Average earning assets | $154,817,000 | 3,420 |
| Average equity | $20,417,500 | 3,123 |
| Average total loans | $114,745,500 | 3,176 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3193% | 2,883 |
| Cost of funding earning assets | 0.5807% | 2,829 |
| Net interest margin | 3.7385% | 2,901 |
| Noninterest income to average assets | 0.2551% | 5,524 |
| Noninterest expense to average assets | 3.0383% | 2,937 |
| Loan and lease loss provision to assets | 0.0929% | 3,254 |
| Net operating income to assets | 0.3975% | 5,150 |
| Return on assets (ROA) | 0.4078% | 5,230 |
| Pretax return on assets | 0.6752% | 4,619 |
| Return on Equity (ROE) | 3.4648% | 5,341 |
| Retained earnings to average equity (ytd only) | 3.4648% | 3,766 |
| Net charge-offs to loans | 0.0819% | 4,064 |
| Credit loss provision to net charge-offs | 167.0213% | 1,362 |
| Earnings coverage of net charge-offs (x) | 13.5213% | 2,013 |
| Efficiency ratio | 80.1561% | 2,128 |
| Assets per employee ($millions) | 7.0443% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 2,935 |
| Loan loss allowance to noncurrent loans | 894.0000% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 5,954 |
| Noncurrent loans to loans | 0.1740% | 5,680 |
| Net loans and leases to total assets | 69.8253% | 2,044 |
| Net loans and leases to deposits | 79.9541% | 2,462 |
| Net loans and leases to core deposits | 84.5422% | 2,612 |
| Total domestic deposits to total assets | 87.3318% | 2,561 |
| Equity capital to assets | 12.4596% | 1,532 |
| Core capital (leverage) ratio | 11.7265% | 1,808 |
| Tier 1 risk-based capital ratio | 16.7769% | 2,728 |
| Total risk-based capital ratio | 18.0303% | 2,677 |
| Memoranda: | ||
| Average total assets | $168,974,800 | 3,423 |
| Average earning assets | $159,794,600 | 3,351 |
| Average equity | $19,885,600 | 3,160 |
| Average total loans | $114,724,400 | 3,156 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2779% | 3,085 |
| Cost of funding earning assets | 0.5807% | 2,991 |
| Net interest margin | 3.6972% | 3,043 |
| Noninterest income to average assets | 0.2515% | 5,633 |
| Noninterest expense to average assets | 2.8398% | 3,526 |
| Loan and lease loss provision to assets | 0.0227% | 4,556 |
| Net operating income to assets | 0.5379% | 4,627 |
| Return on assets (ROA) | 0.5514% | 4,724 |
| Pretax return on assets | 0.9060% | 3,856 |
| Return on Equity (ROE) | 4.7516% | 4,850 |
| Retained earnings to average equity (ytd only) | 4.7516% | 3,268 |
| Net charge-offs to loans | 0.0570% | 4,087 |
| Credit loss provision to net charge-offs | 59.1837% | 3,324 |
| Earnings coverage of net charge-offs (x) | 23.7148% | 1,455 |
| Efficiency ratio | 75.7816% | 2,758 |
| Assets per employee ($millions) | 6.4575% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 3,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 65.3594% | 2,744 |
| Net loans and leases to deposits | 76.0990% | 2,955 |
| Net loans and leases to core deposits | 80.2089% | 3,112 |
| Total domestic deposits to total assets | 85.8873% | 3,326 |
| Equity capital to assets | 11.5346% | 2,279 |
| Core capital (leverage) ratio | 11.3099% | 2,190 |
| Tier 1 risk-based capital ratio | 16.0757% | 3,151 |
| Total risk-based capital ratio | 17.3271% | 3,109 |
| Memoranda: | ||
| Average total assets | $170,713,500 | 3,431 |
| Average earning assets | $161,415,250 | 3,344 |
| Average equity | $19,810,250 | 3,211 |
| Average total loans | $114,675,750 | 3,173 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 3,019 |
| Cost of funding earning assets | 0.5765% | 3,156 |
| Net interest margin | 3.7084% | 2,928 |
| Noninterest income to average assets | 0.1959% | 6,037 |
| Noninterest expense to average assets | 2.8920% | 3,360 |
| Loan and lease loss provision to assets | -0.0460% | 6,641 |
| Net operating income to assets | 0.5247% | 4,696 |
| Return on assets (ROA) | 0.5451% | 4,743 |
| Pretax return on assets | 0.8885% | 3,954 |
| Return on Equity (ROE) | 4.6880% | 4,901 |
| Retained earnings to average equity (ytd only) | 4.6880% | 3,268 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1071% | 2,435 |
| Assets per employee ($millions) | 6.2699% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4768% | 3,692 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 66.4040% | 2,519 |
| Net loans and leases to deposits | 77.5445% | 2,633 |
| Net loans and leases to core deposits | 81.5398% | 2,850 |
| Total domestic deposits to total assets | 85.6334% | 3,563 |
| Equity capital to assets | 11.7203% | 2,112 |
| Core capital (leverage) ratio | 11.6339% | 1,840 |
| Tier 1 risk-based capital ratio | 16.1652% | 3,108 |
| Total risk-based capital ratio | 17.4174% | 3,057 |
| Memoranda: | ||
| Average total assets | $169,500,330 | 3,470 |
| Average earning assets | $160,286,330 | 3,390 |
| Average equity | $19,710,000 | 3,232 |
| Average total loans | $114,347,670 | 3,183 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 2,905 |
| Cost of funding earning assets | 0.5779% | 3,310 |
| Net interest margin | 3.7190% | 2,778 |
| Noninterest income to average assets | 0.2217% | 5,895 |
| Noninterest expense to average assets | 2.9150% | 3,289 |
| Loan and lease loss provision to assets | 0.0189% | 4,231 |
| Net operating income to assets | 0.4900% | 4,723 |
| Return on assets (ROA) | 0.5141% | 4,737 |
| Pretax return on assets | 0.8467% | 3,964 |
| Return on Equity (ROE) | 4.4389% | 4,877 |
| Retained earnings to average equity (ytd only) | 4.4389% | 3,575 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8828% | 2,623 |
| Assets per employee ($millions) | 5.9564% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 3,895 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 69.0454% | 1,837 |
| Net loans and leases to deposits | 80.2500% | 2,043 |
| Net loans and leases to core deposits | 83.7874% | 2,345 |
| Total domestic deposits to total assets | 86.0379% | 3,511 |
| Equity capital to assets | 11.8659% | 2,134 |
| Core capital (leverage) ratio | 11.3247% | 2,000 |
| Tier 1 risk-based capital ratio | 15.6450% | 3,454 |
| Total risk-based capital ratio | 16.8964% | 3,420 |
| Memoranda: | ||
| Average total assets | $169,606,500 | 3,500 |
| Average earning assets | $160,580,500 | 3,419 |
| Average equity | $19,644,500 | 3,294 |
| Average total loans | $114,472,000 | 3,193 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3387% | 4,064 |
| Cost of funding earning assets | 0.7936% | 2,718 |
| Net interest margin | 3.5451% | 4,322 |
| Noninterest income to average assets | 0.7808% | 2,346 |
| Noninterest expense to average assets | 2.8915% | 3,674 |
| Loan and lease loss provision to assets | -0.0226% | 6,837 |
| Net operating income to assets | 2.1975% | 257 |
| Return on assets (ROA) | 2.2238% | 266 |
| Pretax return on assets | 1.3281% | 2,295 |
| Return on Equity (ROE) | 21.2310% | 251 |
| Retained earnings to average equity (ytd only) | 21.2310% | 53 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3300% | 3,923 |
| Assets per employee ($millions) | 5.9460% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 3,577 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 63.9866% | 2,901 |
| Net loans and leases to deposits | 73.7907% | 3,132 |
| Net loans and leases to core deposits | 77.9454% | 3,264 |
| Total domestic deposits to total assets | 86.7137% | 2,984 |
| Equity capital to assets | 11.3082% | 2,625 |
| Core capital (leverage) ratio | 11.0463% | 2,216 |
| Tier 1 risk-based capital ratio | 15.9661% | 3,181 |
| Total risk-based capital ratio | 17.2185% | 3,137 |
| Memoranda: | ||
| Average total assets | $163,548,000 | 3,558 |
| Average earning assets | $156,384,800 | 3,434 |
| Average equity | $17,130,600 | 3,605 |
| Average total loans | $109,792,600 | 3,299 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 4,232 |
| Cost of funding earning assets | 0.8435% | 2,601 |
| Net interest margin | 3.5103% | 4,602 |
| Noninterest income to average assets | 0.7628% | 2,414 |
| Noninterest expense to average assets | 2.8463% | 3,814 |
| Loan and lease loss provision to assets | -0.1099% | 7,044 |
| Net operating income to assets | 1.3901% | 1,250 |
| Return on assets (ROA) | 1.4124% | 1,313 |
| Pretax return on assets | 1.4124% | 2,193 |
| Return on Equity (ROE) | 13.7776% | 1,157 |
| Retained earnings to average equity (ytd only) | 13.7776% | 320 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9766% | 3,882 |
| Assets per employee ($millions) | 6.1536% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 4,333 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 68.4978% | 2,217 |
| Net loans and leases to deposits | 78.5141% | 2,599 |
| Net loans and leases to core deposits | 83.1473% | 2,803 |
| Total domestic deposits to total assets | 87.2426% | 2,532 |
| Equity capital to assets | 10.5726% | 3,765 |
| Core capital (leverage) ratio | 10.4444% | 2,983 |
| Tier 1 risk-based capital ratio | 14.4200% | 4,242 |
| Total risk-based capital ratio | 15.6713% | 4,209 |
| Memoranda: | ||
| Average total assets | $161,326,750 | 3,630 |
| Average earning assets | $154,588,750 | 3,512 |
| Average equity | $16,538,500 | 3,730 |
| Average total loans | $109,226,250 | 3,337 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3159% | 4,502 |
| Cost of funding earning assets | 0.8744% | 2,609 |
| Net interest margin | 3.4415% | 4,916 |
| Noninterest income to average assets | 1.0806% | 1,224 |
| Noninterest expense to average assets | 2.8412% | 3,863 |
| Loan and lease loss provision to assets | -0.2166% | 7,158 |
| Net operating income to assets | 1.7581% | 604 |
| Return on assets (ROA) | 1.7581% | 678 |
| Pretax return on assets | 1.7581% | 1,119 |
| Return on Equity (ROE) | 17.3376% | 598 |
| Retained earnings to average equity (ytd only) | 17.3376% | 170 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8286% | 4,746 |
| Assets per employee ($millions) | 5.8055% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 4,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 67.2298% | 2,419 |
| Net loans and leases to deposits | 77.0691% | 2,823 |
| Net loans and leases to core deposits | 83.6189% | 2,741 |
| Total domestic deposits to total assets | 87.2331% | 2,630 |
| Equity capital to assets | 10.5338% | 3,644 |
| Core capital (leverage) ratio | 10.5642% | 2,740 |
| Tier 1 risk-based capital ratio | 14.5728% | 4,047 |
| Total risk-based capital ratio | 15.8243% | 4,013 |
| Memoranda: | ||
| Average total assets | $159,720,000 | 3,665 |
| Average earning assets | $153,247,330 | 3,549 |
| Average equity | $16,196,000 | 3,776 |
| Average total loans | $107,156,670 | 3,394 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2429% | 4,952 |
| Cost of funding earning assets | 0.8654% | 2,954 |
| Net interest margin | 3.3775% | 5,207 |
| Noninterest income to average assets | 0.2552% | 5,815 |
| Noninterest expense to average assets | 2.7062% | 4,399 |
| Loan and lease loss provision to assets | -0.6848% | 7,274 |
| Net operating income to assets | 1.4782% | 1,064 |
| Return on assets (ROA) | 1.4782% | 1,188 |
| Pretax return on assets | 1.4782% | 1,934 |
| Return on Equity (ROE) | 14.8737% | 996 |
| Retained earnings to average equity (ytd only) | 14.8737% | 459 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3285% | 2,600 |
| Assets per employee ($millions) | 6.0693% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 4,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 67.0765% | 2,277 |
| Net loans and leases to deposits | 76.5699% | 2,716 |
| Net loans and leases to core deposits | 83.2590% | 2,645 |
| Total domestic deposits to total assets | 87.6016% | 2,585 |
| Equity capital to assets | 10.1995% | 3,849 |
| Core capital (leverage) ratio | 10.5079% | 2,742 |
| Tier 1 risk-based capital ratio | 14.4948% | 4,112 |
| Total risk-based capital ratio | 15.7459% | 4,071 |
| Memoranda: | ||
| Average total assets | $158,303,500 | 3,716 |
| Average earning assets | $152,066,500 | 3,578 |
| Average equity | $15,732,500 | 3,853 |
| Average total loans | $105,299,000 | 3,475 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3654% | 5,551 |
| Cost of funding earning assets | 1.0682% | 2,896 |
| Net interest margin | 3.2972% | 5,816 |
| Noninterest income to average assets | 0.8623% | 1,795 |
| Noninterest expense to average assets | 3.2534% | 2,675 |
| Loan and lease loss provision to assets | 0.6998% | 1,462 |
| Net operating income to assets | 0.0617% | 5,938 |
| Return on assets (ROA) | 0.1009% | 5,979 |
| Pretax return on assets | 0.1009% | 5,967 |
| Return on Equity (ROE) | 0.9147% | 5,984 |
| Retained earnings to average equity (ytd only) | 0.9147% | 5,437 |
| Net charge-offs to loans | 0.0896% | 5,441 |
| Credit loss provision to net charge-offs | 1,205.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 13.1125% | 1,570 |
| Efficiency ratio | 81.0342% | 2,156 |
| Assets per employee ($millions) | 6.1079% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7064% | 3,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 6,943 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 63.9136% | 3,206 |
| Net loans and leases to deposits | 72.4789% | 3,733 |
| Net loans and leases to core deposits | 77.5836% | 3,735 |
| Total domestic deposits to total assets | 88.1824% | 2,035 |
| Equity capital to assets | 9.6785% | 4,635 |
| Core capital (leverage) ratio | 10.1478% | 3,169 |
| Tier 1 risk-based capital ratio | 14.6050% | 3,902 |
| Total risk-based capital ratio | 15.8608% | 3,878 |
| Memoranda: | ||
| Average total assets | $137,763,400 | 4,018 |
| Average earning assets | $131,718,800 | 3,899 |
| Average equity | $15,195,600 | 3,868 |
| Average total loans | $89,241,000 | 3,876 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4021% | 5,596 |
| Cost of funding earning assets | 1.1213% | 2,820 |
| Net interest margin | 3.2808% | 5,915 |
| Noninterest income to average assets | 1.1481% | 999 |
| Noninterest expense to average assets | 3.4081% | 2,169 |
| Loan and lease loss provision to assets | 0.3451% | 2,809 |
| Net operating income to assets | 0.5273% | 4,417 |
| Return on assets (ROA) | 0.5273% | 4,603 |
| Pretax return on assets | 0.5273% | 5,054 |
| Return on Equity (ROE) | 4.6109% | 4,717 |
| Retained earnings to average equity (ytd only) | 4.6109% | 3,435 |
| Net charge-offs to loans | 0.0715% | 5,245 |
| Credit loss provision to net charge-offs | 745.6522% | 365 |
| Earnings coverage of net charge-offs (x) | 18.8484% | 1,282 |
| Efficiency ratio | 79.6192% | 2,312 |
| Assets per employee ($millions) | 5.4073% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 5,491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 66.5283% | 2,773 |
| Net loans and leases to deposits | 76.6390% | 3,218 |
| Net loans and leases to core deposits | 83.4716% | 3,129 |
| Total domestic deposits to total assets | 86.8074% | 2,768 |
| Equity capital to assets | 10.8193% | 3,332 |
| Core capital (leverage) ratio | 11.0334% | 2,361 |
| Tier 1 risk-based capital ratio | 15.4446% | 3,418 |
| Total risk-based capital ratio | 16.6161% | 3,422 |
| Memoranda: | ||
| Average total assets | $132,503,000 | 4,141 |
| Average earning assets | $126,511,250 | 4,025 |
| Average equity | $15,152,000 | 3,886 |
| Average total loans | $85,736,250 | 4,014 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3629% | 5,814 |
| Cost of funding earning assets | 1.1501% | 2,900 |
| Net interest margin | 3.2128% | 6,118 |
| Noninterest income to average assets | 0.8234% | 1,919 |
| Noninterest expense to average assets | 3.4983% | 1,982 |
| Loan and lease loss provision to assets | 0.4406% | 2,233 |
| Net operating income to assets | -0.0516% | 6,300 |
| Return on assets (ROA) | -0.0516% | 6,355 |
| Pretax return on assets | -0.0516% | 6,319 |
| Return on Equity (ROE) | -0.4418% | 6,351 |
| Retained earnings to average equity (ytd only) | -0.4418% | 5,942 |
| Net charge-offs to loans | 0.1128% | 4,572 |
| Credit loss provision to net charge-offs | 613.0435% | 508 |
| Earnings coverage of net charge-offs (x) | 5.4130% | 2,614 |
| Efficiency ratio | 89.9920% | 1,239 |
| Assets per employee ($millions) | 4.9501% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 5,543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 68.5501% | 2,506 |
| Net loans and leases to deposits | 79.6253% | 2,861 |
| Net loans and leases to core deposits | 87.1816% | 2,743 |
| Total domestic deposits to total assets | 86.0910% | 3,274 |
| Equity capital to assets | 11.2709% | 2,703 |
| Core capital (leverage) ratio | 11.4452% | 1,949 |
| Tier 1 risk-based capital ratio | 15.8782% | 3,042 |
| Total risk-based capital ratio | 17.0673% | 3,051 |
| Memoranda: | ||
| Average total assets | $128,004,670 | 4,271 |
| Average earning assets | $122,076,000 | 4,144 |
| Average equity | $14,937,330 | 3,918 |
| Average total loans | $81,547,000 | 4,163 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0979% | 6,504 |
| Cost of funding earning assets | 1.1670% | 3,045 |
| Net interest margin | 2.9309% | 6,701 |
| Noninterest income to average assets | 1.6073% | 517 |
| Noninterest expense to average assets | 3.6715% | 1,596 |
| Loan and lease loss provision to assets | 0.2333% | 3,315 |
| Net operating income to assets | 0.4953% | 4,503 |
| Return on assets (ROA) | 0.4953% | 4,589 |
| Pretax return on assets | 0.4953% | 5,044 |
| Return on Equity (ROE) | 4.1683% | 4,819 |
| Retained earnings to average equity (ytd only) | 4.1683% | 3,670 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4423% | 2,027 |
| Assets per employee ($millions) | 4.7116% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 5,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 61.2071% | 4,036 |
| Net loans and leases to deposits | 69.6122% | 4,408 |
| Net loans and leases to core deposits | 78.1822% | 3,991 |
| Total domestic deposits to total assets | 87.9259% | 2,415 |
| Equity capital to assets | 11.7974% | 2,046 |
| Core capital (leverage) ratio | 12.0546% | 1,533 |
| Tier 1 risk-based capital ratio | 17.7238% | 2,210 |
| Total risk-based capital ratio | 18.8501% | 2,221 |
| Memoranda: | ||
| Average total assets | $125,180,000 | 4,356 |
| Average earning assets | $119,279,500 | 4,235 |
| Average equity | $14,874,000 | 3,925 |
| Average total loans | $75,954,000 | 4,387 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1660% | 6,972 |
| Cost of funding earning assets | 1.6703% | 1,727 |
| Net interest margin | 2.4957% | 7,275 |
| Noninterest income to average assets | 0.5621% | 3,729 |
| Noninterest expense to average assets | 3.9375% | 1,254 |
| Loan and lease loss provision to assets | 0.4517% | 3,415 |
| Net operating income to assets | -1.4757% | 6,907 |
| Return on assets (ROA) | -1.4430% | 6,911 |
| Pretax return on assets | -1.4430% | 6,837 |
| Return on Equity (ROE) | -9.2949% | 6,698 |
| Retained earnings to average equity (ytd only) | -9.2949% | 6,622 |
| Net charge-offs to loans | 0.2202% | 4,971 |
| Credit loss provision to net charge-offs | 374.5763% | 675 |
| Earnings coverage of net charge-offs (x) | -8.4915% | 6,791 |
| Efficiency ratio | 135.1456% | 278 |
| Assets per employee ($millions) | 4.9258% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 5,512 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 58.6426% | 4,931 |
| Net loans and leases to deposits | 68.5519% | 5,026 |
| Net loans and leases to core deposits | 75.8205% | 4,749 |
| Total domestic deposits to total assets | 85.5448% | 3,580 |
| Equity capital to assets | 11.9695% | 1,938 |
| Core capital (leverage) ratio | 12.2578% | 1,406 |
| Tier 1 risk-based capital ratio | 18.9892% | 1,726 |
| Total risk-based capital ratio | 20.1193% | 1,722 |
| Memoranda: | ||
| Average total assets | $97,855,000 | 5,050 |
| Average earning assets | $92,199,800 | 4,936 |
| Average equity | $15,191,200 | 3,907 |
| Average total loans | $53,587,600 | 5,337 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1738% | 7,127 |
| Cost of funding earning assets | 1.7595% | 1,589 |
| Net interest margin | 2.4143% | 7,430 |
| Noninterest income to average assets | 0.3103% | 5,672 |
| Noninterest expense to average assets | 3.9985% | 1,044 |
| Loan and lease loss provision to assets | 0.4967% | 2,980 |
| Net operating income to assets | -1.9184% | 7,218 |
| Return on assets (ROA) | -1.8718% | 7,217 |
| Pretax return on assets | -1.8718% | 7,159 |
| Return on Equity (ROE) | -11.1950% | 6,974 |
| Retained earnings to average equity (ytd only) | -11.1950% | 6,932 |
| Net charge-offs to loans | 0.3230% | 4,049 |
| Credit loss provision to net charge-offs | 288.9831% | 1,115 |
| Earnings coverage of net charge-offs (x) | -8.2711% | 6,618 |
| Efficiency ratio | 155.1724% | 182 |
| Assets per employee ($millions) | 5.0800% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 5,492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 57.1618% | 5,387 |
| Net loans and leases to deposits | 67.5171% | 5,485 |
| Net loans and leases to core deposits | 74.0427% | 5,284 |
| Total domestic deposits to total assets | 84.6627% | 3,795 |
| Equity capital to assets | 13.3626% | 1,410 |
| Core capital (leverage) ratio | 14.8086% | 756 |
| Tier 1 risk-based capital ratio | 20.8564% | 1,382 |
| Total risk-based capital ratio | 21.9488% | 1,391 |
| Memoranda: | ||
| Average total assets | $91,532,250 | 5,310 |
| Average earning assets | $85,931,750 | 5,210 |
| Average equity | $15,304,000 | 3,933 |
| Average total loans | $48,711,250 | 5,615 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1083% | 7,276 |
| Cost of funding earning assets | 1.8736% | 1,326 |
| Net interest margin | 2.2347% | 7,564 |
| Noninterest income to average assets | 0.1085% | 7,060 |
| Noninterest expense to average assets | 4.2765% | 742 |
| Loan and lease loss provision to assets | 0.4128% | 3,255 |
| Net operating income to assets | -2.4932% | 7,414 |
| Return on assets (ROA) | -2.4932% | 7,425 |
| Pretax return on assets | -2.4932% | 7,365 |
| Return on Equity (ROE) | -13.7030% | 7,099 |
| Retained earnings to average equity (ytd only) | -13.7030% | 7,060 |
| Net charge-offs to loans | 0.5438% | 2,901 |
| Credit loss provision to net charge-offs | 148.3051% | 2,661 |
| Earnings coverage of net charge-offs (x) | -7.4746% | 6,307 |
| Efficiency ratio | 194.7368% | 108 |
| Assets per employee ($millions) | 4.2035% | 3,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 5,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 54.3670% | 5,941 |
| Net loans and leases to deposits | 65.5835% | 5,864 |
| Net loans and leases to core deposits | 68.7154% | 5,996 |
| Total domestic deposits to total assets | 82.8974% | 4,613 |
| Equity capital to assets | 16.3446% | 621 |
| Core capital (leverage) ratio | 16.4969% | 498 |
| Tier 1 risk-based capital ratio | 24.9683% | 846 |
| Total risk-based capital ratio | 25.9862% | 850 |
| Memoranda: | ||
| Average total assets | $84,789,670 | 5,540 |
| Average earning assets | $79,206,330 | 5,466 |
| Average equity | $15,427,330 | 3,905 |
| Average total loans | $43,395,000 | 5,891 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9913% | 7,462 |
| Cost of funding earning assets | 1.9452% | 1,260 |
| Net interest margin | 2.0462% | 7,711 |
| Noninterest income to average assets | 0.0445% | 7,488 |
| Noninterest expense to average assets | 4.4820% | 590 |
| Loan and lease loss provision to assets | 0.4003% | 2,973 |
| Net operating income to assets | -2.9353% | 7,630 |
| Return on assets (ROA) | -2.9353% | 7,626 |
| Pretax return on assets | -2.9353% | 7,586 |
| Return on Equity (ROE) | -15.2469% | 7,320 |
| Retained earnings to average equity (ytd only) | -15.2469% | 7,219 |
| Net charge-offs to loans | 1.1904% | 1,429 |
| Credit loss provision to net charge-offs | 68.6441% | 4,134 |
| Earnings coverage of net charge-offs (x) | -4.3475% | 5,523 |
| Efficiency ratio | 230.2030% | 75 |
| Assets per employee ($millions) | 4.2021% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 5,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 48.2464% | 6,652 |
| Net loans and leases to deposits | 58.6408% | 6,579 |
| Net loans and leases to core deposits | 61.7656% | 6,616 |
| Total domestic deposits to total assets | 82.2743% | 4,943 |
| Equity capital to assets | 17.3698% | 491 |
| Core capital (leverage) ratio | 18.8130% | 319 |
| Tier 1 risk-based capital ratio | 30.4676% | 500 |
| Total risk-based capital ratio | 31.4921% | 504 |
| Memoranda: | ||
| Average total assets | $80,946,000 | 5,738 |
| Average earning assets | $75,263,000 | 5,660 |
| Average equity | $15,583,500 | 3,899 |
| Average total loans | $39,649,000 | 6,138 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6733% | 7,179 |
| Cost of funding earning assets | 1.9662% | 3,120 |
| Net interest margin | 2.7070% | 7,204 |
| Noninterest income to average assets | 0.5623% | 3,923 |
| Noninterest expense to average assets | 6.5516% | 242 |
| Loan and lease loss provision to assets | 1.2376% | 1,861 |
| Net operating income to assets | -4.9963% | 7,749 |
| Return on assets (ROA) | -4.9879% | 7,743 |
| Pretax return on assets | -4.9879% | 7,709 |
| Return on Equity (ROE) | -14.1067% | 6,885 |
| Retained earnings to average equity (ytd only) | -14.1067% | 6,825 |
| Net charge-offs to loans | 0.4622% | 3,937 |
| Credit loss provision to net charge-offs | 558.4906% | 538 |
| Earnings coverage of net charge-offs (x) | -16.9623% | 7,183 |
| Efficiency ratio | 234.5808% | 97 |
| Assets per employee ($millions) | 3.6824% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 3,573 |
| Loan loss allowance to noncurrent loans | 78.6932% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.9559% | 5,193 |
| Noncurrent loans to loans | 1.9444% | 3,739 |
| Net loans and leases to total assets | 48.4107% | 6,776 |
| Net loans and leases to deposits | 62.0376% | 6,467 |
| Net loans and leases to core deposits | 81.2289% | 5,983 |
| Total domestic deposits to total assets | 78.0344% | 6,206 |
| Equity capital to assets | 21.5066% | 234 |
| Core capital (leverage) ratio | 23.5276% | 182 |
| Tier 1 risk-based capital ratio | 36.7753% | 309 |
| Total risk-based capital ratio | 38.0252% | 300 |
| Memoranda: | ||
| Average total assets | $47,835,600 | 6,794 |
| Average earning assets | $39,415,800 | 6,961 |
| Average equity | $16,914,000 | 3,687 |
| Average total loans | $22,935,400 | 7,030 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0422% | 6,470 |
| Cost of funding earning assets | 1.8955% | 3,907 |
| Net interest margin | 3.1467% | 6,192 |
| Noninterest income to average assets | 0.8667% | 2,118 |
| Noninterest expense to average assets | 7.4876% | 174 |
| Loan and lease loss provision to assets | 1.1341% | 1,724 |
| Net operating income to assets | -5.3000% | 7,871 |
| Return on assets (ROA) | -5.3000% | 7,866 |
| Pretax return on assets | -5.3000% | 7,842 |
| Return on Equity (ROE) | -12.7644% | 7,061 |
| Retained earnings to average equity (ytd only) | -12.7644% | 6,995 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 225.4122% | 110 |
| Assets per employee ($millions) | 3.2233% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 4,383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 54.0185% | 6,381 |
| Net loans and leases to deposits | 76.0630% | 5,032 |
| Net loans and leases to core deposits | 102.1745% | 4,136 |
| Total domestic deposits to total assets | 71.0181% | 7,331 |
| Equity capital to assets | 28.4941% | 129 |
| Core capital (leverage) ratio | 31.7125% | 112 |
| Tier 1 risk-based capital ratio | 45.1792% | 207 |
| Total risk-based capital ratio | 46.3256% | 207 |
| Memoranda: | ||
| Average total assets | $41,382,750 | 7,091 |
| Average earning assets | $32,286,750 | 7,313 |
| Average equity | $17,182,750 | 3,669 |
| Average total loans | $19,617,500 | 7,279 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4254% | 5,010 |
| Cost of funding earning assets | 1.7745% | 4,885 |
| Net interest margin | 3.6510% | 4,161 |
| Noninterest income to average assets | 0.4409% | 4,927 |
| Noninterest expense to average assets | 8.6614% | 145 |
| Loan and lease loss provision to assets | 1.0659% | 1,602 |
| Net operating income to assets | -6.6913% | 8,032 |
| Return on assets (ROA) | -6.6913% | 8,025 |
| Pretax return on assets | -6.6913% | 8,004 |
| Return on Equity (ROE) | -13.7819% | 7,270 |
| Retained earnings to average equity (ytd only) | -13.7819% | 7,172 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 285.2941% | 89 |
| Assets per employee ($millions) | 2.8891% | 6,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 6,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 53.9004% | 6,466 |
| Net loans and leases to deposits | 85.4898% | 3,649 |
| Net loans and leases to core deposits | 117.5449% | 2,585 |
| Total domestic deposits to total assets | 63.0489% | 7,865 |
| Equity capital to assets | 36.5249% | 98 |
| Core capital (leverage) ratio | 41.8958% | 84 |
| Tier 1 risk-based capital ratio | 53.7036% | 157 |
| Total risk-based capital ratio | 54.5249% | 157 |
| Memoranda: | ||
| Average total assets | $35,837,330 | 7,379 |
| Average earning assets | $25,472,670 | 7,658 |
| Average equity | $17,399,670 | 3,639 |
| Average total loans | $15,570,000 | 7,560 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5410% | 4,688 |
| Cost of funding earning assets | 1.5597% | 6,198 |
| Net interest margin | 3.9813% | 2,721 |
| Noninterest income to average assets | 0.6918% | 2,938 |
| Noninterest expense to average assets | 10.1034% | 113 |
| Loan and lease loss provision to assets | 1.0965% | 1,196 |
| Net operating income to assets | -7.9757% | 8,145 |
| Return on assets (ROA) | -7.9757% | 8,134 |
| Pretax return on assets | -7.9757% | 8,112 |
| Return on Equity (ROE) | -13.8411% | 7,561 |
| Retained earnings to average equity (ytd only) | -13.8411% | 7,375 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 313.3603% | 76 |
| Assets per employee ($millions) | 2.1539% | 7,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 5,971 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 39.9978% | 7,566 |
| Net loans and leases to deposits | 76.5564% | 5,140 |
| Net loans and leases to core deposits | 107.1711% | 3,777 |
| Total domestic deposits to total assets | 52.2462% | 8,083 |
| Equity capital to assets | 47.4779% | 74 |
| Core capital (leverage) ratio | 58.9827% | 55 |
| Tier 1 risk-based capital ratio | 76.0951% | 97 |
| Total risk-based capital ratio | 76.7610% | 98 |
| Memoranda: | ||
| Average total assets | $30,643,000 | 7,623 |
| Average earning assets | $19,491,000 | 7,921 |
| Average equity | $17,657,500 | 3,611 |
| Average total loans | $10,768,000 | 7,872 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9848% | 8,259 |
| Cost of funding earning assets | 0.2010% | 8,242 |
| Net interest margin | 0.7838% | 8,245 |
| Noninterest income to average assets | 0.0324% | 7,971 |
| Noninterest expense to average assets | 8.6708% | 191 |
| Loan and lease loss provision to assets | 0.2716% | 4,222 |
| Net operating income to assets | -8.2776% | 8,229 |
| Return on assets (ROA) | -8.2776% | 8,227 |
| Pretax return on assets | -8.2776% | 8,211 |
| Return on Equity (ROE) | -11.3887% | 7,378 |
| Retained earnings to average equity (ytd only) | -11.3887% | 7,196 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,304.2683% | 11 |
| Assets per employee ($millions) | 1.4511% | 8,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 6,110 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 27.0420% | 8,052 |
| Net loans and leases to deposits | 99.6713% | 1,870 |
| Net loans and leases to core deposits | 99.6713% | 4,853 |
| Total domestic deposits to total assets | 27.1312% | 8,223 |
| Equity capital to assets | 72.6823% | 43 |
| Core capital (leverage) ratio | 81.5150% | 28 |
| Tier 1 risk-based capital ratio | 132.7185% | 60 |
| Total risk-based capital ratio | 133.2148% | 60 |
| Memoranda: | ||
| Average total assets | $24,669,000 | 7,850 |
| Average earning assets | $19,903,000 | 7,944 |
| Average equity | $17,930,000 | 3,567 |
| Average total loans | $6,738,000 | 8,093 |