Home > Vigilant Federal Savings Bank > Performance and Condition Ratios
Vigilant Federal Savings Bank, Performance and Condition Ratios
| 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 | 4.9880% | 909 |
| Cost of funding earning assets | 0.8387% | 1,316 |
| Net interest margin | 4.1493% | 1,331 |
| Noninterest income to average assets | 0.2046% | 6,015 |
| Noninterest expense to average assets | 3.6999% | 1,247 |
| Loan and lease loss provision to assets | -0.1146% | 6,850 |
| Net operating income to assets | 0.3274% | 5,456 |
| Return on assets (ROA) | 0.3274% | 5,591 |
| Pretax return on assets | 0.4666% | 5,371 |
| Return on Equity (ROE) | 4.0302% | 5,075 |
| Retained earnings to average equity (ytd only) | 4.0302% | 3,812 |
| Net charge-offs to loans | 0.7640% | 798 |
| Credit loss provision to net charge-offs | -25.9259% | 5,001 |
| Earnings coverage of net charge-offs (x) | 0.7963% | 3,565 |
| Efficiency ratio | 91.3131% | 1,042 |
| Assets per employee ($millions) | 5.4489% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 5,081 |
| Loan loss allowance to noncurrent loans | 31.9328% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 2.1839% | 2,140 |
| Noncurrent loans to loans | 3.8272% | 1,202 |
| Net loans and leases to total assets | 56.3662% | 4,026 |
| Net loans and leases to deposits | 66.7053% | 3,950 |
| Net loans and leases to core deposits | 66.7053% | 4,442 |
| Total domestic deposits to total assets | 84.5004% | 4,266 |
| Equity capital to assets | 8.1362% | 6,308 |
| Core capital (leverage) ratio | 8.1362% | 6,008 |
| Tier 1 risk-based capital ratio | 20.6255% | 1,632 |
| Total risk-based capital ratio | 21.8816% | 1,597 |
| Memoranda: | ||
| Average total assets | $48,866,000 | 6,210 |
| Average earning assets | $45,309,000 | 6,179 |
| Average equity | $3,970,000 | 6,527 |
| Average total loans | $28,272,000 | 5,968 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9837% | 1,605 |
| Cost of funding earning assets | 1.2484% | 464 |
| Net interest margin | 3.7353% | 3,502 |
| Noninterest income to average assets | 0.2121% | 5,901 |
| Noninterest expense to average assets | 3.0706% | 3,011 |
| Loan and lease loss provision to assets | 0.3006% | 2,272 |
| Net operating income to assets | 0.2397% | 5,667 |
| Return on assets (ROA) | 0.2397% | 5,864 |
| Pretax return on assets | 0.3061% | 5,808 |
| Return on Equity (ROE) | 3.3410% | 5,409 |
| Retained earnings to average equity (ytd only) | 3.3410% | 3,869 |
| Net charge-offs to loans | 0.5181% | 2,172 |
| Credit loss provision to net charge-offs | 102.5157% | 2,935 |
| Earnings coverage of net charge-offs (x) | 2.0692% | 4,378 |
| Efficiency ratio | 83.5005% | 1,686 |
| Assets per employee ($millions) | 4.8692% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 3,993 |
| Loan loss allowance to noncurrent loans | 32.8263% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 2.5651% | 1,891 |
| Noncurrent loans to loans | 4.3732% | 994 |
| Net loans and leases to total assets | 57.8124% | 4,012 |
| Net loans and leases to deposits | 68.3286% | 3,933 |
| Net loans and leases to core deposits | 68.3286% | 4,501 |
| Total domestic deposits to total assets | 84.6094% | 4,035 |
| Equity capital to assets | 8.1122% | 6,345 |
| Core capital (leverage) ratio | 8.1122% | 6,079 |
| Tier 1 risk-based capital ratio | 19.9919% | 1,681 |
| Total risk-based capital ratio | 21.2522% | 1,654 |
| Memoranda: | ||
| Average total assets | $54,224,200 | 6,077 |
| Average earning assets | $50,303,800 | 6,038 |
| Average equity | $3,891,000 | 6,593 |
| Average total loans | $30,686,200 | 5,916 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9508% | 1,829 |
| Cost of funding earning assets | 1.3307% | 385 |
| Net interest margin | 3.6201% | 4,151 |
| Noninterest income to average assets | 0.2278% | 5,921 |
| Noninterest expense to average assets | 3.0834% | 2,934 |
| Loan and lease loss provision to assets | 0.4100% | 1,563 |
| Net operating income to assets | 0.1055% | 6,119 |
| Return on assets (ROA) | 0.1055% | 6,263 |
| Pretax return on assets | 0.0935% | 6,281 |
| Return on Equity (ROE) | 1.5136% | 6,156 |
| Retained earnings to average equity (ytd only) | 1.5136% | 5,582 |
| Net charge-offs to loans | 0.4057% | 2,474 |
| Credit loss provision to net charge-offs | 180.0000% | 1,546 |
| Earnings coverage of net charge-offs (x) | 2.2106% | 4,154 |
| Efficiency ratio | 85.9626% | 1,381 |
| Assets per employee ($millions) | 4.6249% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5798% | 3,600 |
| Loan loss allowance to noncurrent loans | 71.4710% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.3229% | 3,644 |
| Noncurrent loans to loans | 2.2104% | 2,606 |
| Net loans and leases to total assets | 58.9024% | 3,974 |
| Net loans and leases to deposits | 68.9508% | 4,039 |
| Net loans and leases to core deposits | 68.9508% | 4,616 |
| Total domestic deposits to total assets | 85.4267% | 3,554 |
| Equity capital to assets | 7.5952% | 6,748 |
| Core capital (leverage) ratio | 7.5952% | 6,567 |
| Tier 1 risk-based capital ratio | 18.1767% | 2,272 |
| Total risk-based capital ratio | 19.4327% | 2,247 |
| Memoranda: | ||
| Average total assets | $55,607,250 | 6,105 |
| Average earning assets | $51,599,750 | 6,063 |
| Average equity | $3,876,250 | 6,678 |
| Average total loans | $31,217,750 | 5,965 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9179% | 2,034 |
| Cost of funding earning assets | 1.4471% | 288 |
| Net interest margin | 3.4708% | 4,796 |
| Noninterest income to average assets | 0.2483% | 5,803 |
| Noninterest expense to average assets | 2.9798% | 3,334 |
| Loan and lease loss provision to assets | 0.0490% | 5,063 |
| Net operating income to assets | 0.3078% | 5,589 |
| Return on assets (ROA) | 0.3078% | 5,794 |
| Pretax return on assets | 0.4407% | 5,598 |
| Return on Equity (ROE) | 4.5357% | 5,019 |
| Retained earnings to average equity (ytd only) | 4.5357% | 3,586 |
| Net charge-offs to loans | 0.3622% | 2,562 |
| Credit loss provision to net charge-offs | 24.5614% | 4,538 |
| Earnings coverage of net charge-offs (x) | 2.4561% | 3,776 |
| Efficiency ratio | 85.8871% | 1,445 |
| Assets per employee ($millions) | 5.1785% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 5,438 |
| Loan loss allowance to noncurrent loans | 39.2857% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 1.6221% | 3,293 |
| Noncurrent loans to loans | 3.0066% | 1,968 |
| Net loans and leases to total assets | 53.3136% | 4,914 |
| Net loans and leases to deposits | 68.1775% | 4,166 |
| Net loans and leases to core deposits | 68.1775% | 4,764 |
| Total domestic deposits to total assets | 78.1981% | 6,117 |
| Equity capital to assets | 6.8623% | 6,932 |
| Core capital (leverage) ratio | 6.8623% | 6,853 |
| Tier 1 risk-based capital ratio | 17.2187% | 2,578 |
| Total risk-based capital ratio | 18.4697% | 2,540 |
| Memoranda: | ||
| Average total assets | $57,185,000 | 6,104 |
| Average earning assets | $53,071,670 | 6,059 |
| Average equity | $3,880,330 | 6,719 |
| Average total loans | $31,474,670 | 5,990 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1569% | 1,409 |
| Cost of funding earning assets | 1.4777% | 321 |
| Net interest margin | 3.6792% | 3,927 |
| Noninterest income to average assets | 0.1676% | 6,382 |
| Noninterest expense to average assets | 2.4853% | 5,194 |
| Loan and lease loss provision to assets | 0.1396% | 3,609 |
| Net operating income to assets | 0.6423% | 4,156 |
| Return on assets (ROA) | 0.6423% | 4,365 |
| Pretax return on assets | 0.9495% | 3,867 |
| Return on Equity (ROE) | 9.5189% | 2,597 |
| Retained earnings to average equity (ytd only) | 9.5189% | 1,408 |
| Net charge-offs to loans | 0.7034% | 1,421 |
| Credit loss provision to net charge-offs | 35.7143% | 3,520 |
| Earnings coverage of net charge-offs (x) | 2.7857% | 3,065 |
| Efficiency ratio | 69.5313% | 3,896 |
| Assets per employee ($millions) | 5.2100% | 1,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 5,640 |
| Loan loss allowance to noncurrent loans | 24.0104% | 6,421 |
| Noncurrent assets plus other real estate owned to assets | 3.0361% | 1,913 |
| Noncurrent loans to loans | 4.8684% | 1,166 |
| Net loans and leases to total assets | 54.5856% | 4,623 |
| Net loans and leases to deposits | 69.7145% | 3,765 |
| Net loans and leases to core deposits | 69.7145% | 4,460 |
| Total domestic deposits to total assets | 78.2987% | 6,226 |
| Equity capital to assets | 6.8260% | 6,964 |
| Core capital (leverage) ratio | 6.8260% | 6,898 |
| Tier 1 risk-based capital ratio | 17.9978% | 2,292 |
| Total risk-based capital ratio | 19.2538% | 2,263 |
| Memoranda: | ||
| Average total assets | $57,296,000 | 6,139 |
| Average earning assets | $53,055,000 | 6,095 |
| Average equity | $3,866,000 | 6,760 |
| Average total loans | $31,846,000 | 6,017 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2613% | 1,831 |
| Cost of funding earning assets | 1.7932% | 216 |
| Net interest margin | 3.4681% | 5,262 |
| Noninterest income to average assets | 0.2643% | 5,636 |
| Noninterest expense to average assets | 2.7002% | 4,747 |
| Loan and lease loss provision to assets | 0.3335% | 3,026 |
| Net operating income to assets | 0.2714% | 5,364 |
| Return on assets (ROA) | 0.2714% | 5,516 |
| Pretax return on assets | 0.4045% | 5,287 |
| Return on Equity (ROE) | 4.1229% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.1229% | 3,249 |
| Net charge-offs to loans | 0.2440% | 4,256 |
| Credit loss provision to net charge-offs | 235.0000% | 1,038 |
| Earnings coverage of net charge-offs (x) | 5.2000% | 2,872 |
| Efficiency ratio | 78.5346% | 2,520 |
| Assets per employee ($millions) | 5.2075% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 6,573 |
| Loan loss allowance to noncurrent loans | 29.9788% | 6,204 |
| Noncurrent assets plus other real estate owned to assets | 2.1787% | 2,758 |
| Noncurrent loans to loans | 2.9464% | 2,209 |
| Net loans and leases to total assets | 55.4380% | 4,804 |
| Net loans and leases to deposits | 70.6804% | 3,994 |
| Net loans and leases to core deposits | 70.6804% | 4,690 |
| Total domestic deposits to total assets | 78.4348% | 6,107 |
| Equity capital to assets | 6.6688% | 7,027 |
| Core capital (leverage) ratio | 6.6688% | 6,947 |
| Tier 1 risk-based capital ratio | 17.5342% | 2,368 |
| Total risk-based capital ratio | 18.7827% | 2,337 |
| Memoranda: | ||
| Average total assets | $56,366,600 | 6,150 |
| Average earning assets | $51,584,200 | 6,139 |
| Average equity | $3,711,000 | 6,826 |
| Average total loans | $32,791,200 | 6,023 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3340% | 1,740 |
| Cost of funding earning assets | 1.8361% | 229 |
| Net interest margin | 3.4979% | 5,199 |
| Noninterest income to average assets | 0.3444% | 5,106 |
| Noninterest expense to average assets | 2.8263% | 4,249 |
| Loan and lease loss provision to assets | 0.4560% | 2,180 |
| Net operating income to assets | 0.1686% | 5,779 |
| Return on assets (ROA) | 0.1686% | 5,908 |
| Pretax return on assets | 0.2565% | 5,794 |
| Return on Equity (ROE) | 2.5697% | 5,597 |
| Retained earnings to average equity (ytd only) | 2.5697% | 4,828 |
| Net charge-offs to loans | 0.3517% | 3,336 |
| Credit loss provision to net charge-offs | 220.6897% | 1,292 |
| Earnings coverage of net charge-offs (x) | 3.4482% | 3,433 |
| Efficiency ratio | 79.8658% | 2,268 |
| Assets per employee ($millions) | 5.1824% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9437% | 6,470 |
| Loan loss allowance to noncurrent loans | 52.6316% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 1.3542% | 4,111 |
| Noncurrent loans to loans | 1.7929% | 3,646 |
| Net loans and leases to total assets | 57.0835% | 4,670 |
| Net loans and leases to deposits | 72.7287% | 3,845 |
| Net loans and leases to core deposits | 72.7287% | 4,613 |
| Total domestic deposits to total assets | 78.4882% | 6,097 |
| Equity capital to assets | 6.5519% | 7,130 |
| Core capital (leverage) ratio | 6.5519% | 7,064 |
| Tier 1 risk-based capital ratio | 17.0564% | 2,629 |
| Total risk-based capital ratio | 18.3076% | 2,581 |
| Memoranda: | ||
| Average total assets | $56,137,750 | 6,205 |
| Average earning assets | $51,267,750 | 6,192 |
| Average equity | $3,683,750 | 6,887 |
| Average total loans | $32,979,250 | 6,074 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3643% | 1,674 |
| Cost of funding earning assets | 1.8616% | 250 |
| Net interest margin | 3.5027% | 5,156 |
| Noninterest income to average assets | 0.3008% | 5,481 |
| Noninterest expense to average assets | 2.8434% | 4,259 |
| Loan and lease loss provision to assets | 0.5766% | 1,682 |
| Net operating income to assets | 0.0430% | 6,138 |
| Return on assets (ROA) | 0.0430% | 6,217 |
| Pretax return on assets | 0.0680% | 6,153 |
| Return on Equity (ROE) | 0.6545% | 6,157 |
| Retained earnings to average equity (ytd only) | 0.6545% | 5,592 |
| Net charge-offs to loans | 0.5572% | 2,435 |
| Credit loss provision to net charge-offs | 175.0000% | 1,719 |
| Earnings coverage of net charge-offs (x) | 1.9565% | 3,883 |
| Efficiency ratio | 81.5195% | 2,167 |
| Assets per employee ($millions) | 5.1916% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 6,441 |
| Loan loss allowance to noncurrent loans | 45.9344% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 2.1748% | 3,016 |
| Noncurrent loans to loans | 2.1155% | 3,334 |
| Net loans and leases to total assets | 57.4596% | 4,730 |
| Net loans and leases to deposits | 74.3677% | 3,745 |
| Net loans and leases to core deposits | 74.3677% | 4,534 |
| Total domestic deposits to total assets | 77.2641% | 6,416 |
| Equity capital to assets | 6.4352% | 7,198 |
| Core capital (leverage) ratio | 6.4352% | 7,137 |
| Tier 1 risk-based capital ratio | 16.5339% | 2,722 |
| Total risk-based capital ratio | 17.7847% | 2,677 |
| Memoranda: | ||
| Average total assets | $55,848,330 | 6,264 |
| Average earning assets | $50,817,330 | 6,264 |
| Average equity | $3,666,670 | 6,939 |
| Average total loans | $33,022,000 | 6,135 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4152% | 1,510 |
| Cost of funding earning assets | 1.9169% | 232 |
| Net interest margin | 3.4983% | 5,017 |
| Noninterest income to average assets | 0.1956% | 6,323 |
| Noninterest expense to average assets | 2.2963% | 6,198 |
| Loan and lease loss provision to assets | 1.0793% | 687 |
| Net operating income to assets | -0.0072% | 6,361 |
| Return on assets (ROA) | -0.0072% | 6,389 |
| Pretax return on assets | -0.0072% | 6,363 |
| Return on Equity (ROE) | -0.1092% | 6,394 |
| Retained earnings to average equity (ytd only) | -0.1092% | 5,807 |
| Net charge-offs to loans | 1.1649% | 1,193 |
| Credit loss provision to net charge-offs | 155.2083% | 1,849 |
| Earnings coverage of net charge-offs (x) | 1.5417% | 3,555 |
| Efficiency ratio | 68.1720% | 4,622 |
| Assets per employee ($millions) | 5.1269% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 6,628 |
| Loan loss allowance to noncurrent loans | 145.0237% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 1.8441% | 3,506 |
| Noncurrent loans to loans | 0.6395% | 5,756 |
| Net loans and leases to total assets | 57.9616% | 4,653 |
| Net loans and leases to deposits | 73.8962% | 3,777 |
| Net loans and leases to core deposits | 73.8962% | 4,541 |
| Total domestic deposits to total assets | 78.4364% | 6,311 |
| Equity capital to assets | 6.4934% | 7,210 |
| Core capital (leverage) ratio | 6.4934% | 7,171 |
| Tier 1 risk-based capital ratio | 16.2373% | 2,792 |
| Total risk-based capital ratio | 17.4877% | 2,758 |
| Memoranda: | ||
| Average total assets | $55,218,500 | 6,336 |
| Average earning assets | $50,081,000 | 6,341 |
| Average equity | $3,662,500 | 6,968 |
| Average total loans | $32,965,000 | 6,185 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5720% | 2,001 |
| Cost of funding earning assets | 2.1172% | 402 |
| Net interest margin | 3.4548% | 5,413 |
| Noninterest income to average assets | 0.2911% | 5,700 |
| Noninterest expense to average assets | 2.8430% | 4,427 |
| Loan and lease loss provision to assets | 0.6268% | 2,621 |
| Net operating income to assets | 0.0125% | 5,798 |
| Return on assets (ROA) | 0.0125% | 5,930 |
| Pretax return on assets | 0.0179% | 5,861 |
| Return on Equity (ROE) | 0.1886% | 5,906 |
| Retained earnings to average equity (ytd only) | 0.1886% | 5,478 |
| Net charge-offs to loans | 0.4328% | 3,891 |
| Credit loss provision to net charge-offs | 234.0000% | 1,256 |
| Earnings coverage of net charge-offs (x) | 2.4067% | 3,927 |
| Efficiency ratio | 81.5156% | 2,222 |
| Assets per employee ($millions) | 4.9128% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9078% | 6,705 |
| Loan loss allowance to noncurrent loans | 45.3718% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 2.7183% | 2,567 |
| Noncurrent loans to loans | 2.0009% | 3,563 |
| Net loans and leases to total assets | 60.3930% | 4,613 |
| Net loans and leases to deposits | 78.0509% | 3,503 |
| Net loans and leases to core deposits | 78.0509% | 4,457 |
| Total domestic deposits to total assets | 77.3764% | 6,422 |
| Equity capital to assets | 6.7782% | 7,183 |
| Core capital (leverage) ratio | 6.7782% | 7,119 |
| Tier 1 risk-based capital ratio | 16.2468% | 2,636 |
| Total risk-based capital ratio | 17.4976% | 2,591 |
| Memoranda: | ||
| Average total assets | $55,997,600 | 6,340 |
| Average earning assets | $51,812,600 | 6,297 |
| Average equity | $3,711,000 | 7,083 |
| Average total loans | $34,654,200 | 6,171 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5871% | 2,111 |
| Cost of funding earning assets | 2.1415% | 463 |
| Net interest margin | 3.4456% | 5,510 |
| Noninterest income to average assets | 0.2714% | 5,943 |
| Noninterest expense to average assets | 2.8466% | 4,290 |
| Loan and lease loss provision to assets | 0.3092% | 4,107 |
| Net operating income to assets | 0.2101% | 5,483 |
| Return on assets (ROA) | 0.2101% | 5,644 |
| Pretax return on assets | 0.3210% | 5,446 |
| Return on Equity (ROE) | 3.1872% | 5,150 |
| Retained earnings to average equity (ytd only) | 3.1872% | 4,197 |
| Net charge-offs to loans | 0.1710% | 4,941 |
| Credit loss provision to net charge-offs | 291.1111% | 1,101 |
| Earnings coverage of net charge-offs (x) | 5.9332% | 2,638 |
| Efficiency ratio | 81.8737% | 2,075 |
| Assets per employee ($millions) | 4.9952% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6787% | 7,230 |
| Loan loss allowance to noncurrent loans | 31.5718% | 6,240 |
| Noncurrent assets plus other real estate owned to assets | 1.9455% | 3,543 |
| Noncurrent loans to loans | 2.1498% | 3,513 |
| Net loans and leases to total assets | 62.0507% | 4,523 |
| Net loans and leases to deposits | 79.9695% | 3,457 |
| Net loans and leases to core deposits | 79.9695% | 4,521 |
| Total domestic deposits to total assets | 77.5930% | 6,348 |
| Equity capital to assets | 6.8157% | 7,380 |
| Core capital (leverage) ratio | 6.8157% | 7,246 |
| Tier 1 risk-based capital ratio | 16.5906% | 2,517 |
| Total risk-based capital ratio | 17.6228% | 2,557 |
| Memoranda: | ||
| Average total assets | $56,486,750 | 6,402 |
| Average earning assets | $52,548,250 | 6,350 |
| Average equity | $3,723,000 | 7,167 |
| Average total loans | $35,083,750 | 6,236 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5559% | 2,309 |
| Cost of funding earning assets | 2.1811% | 496 |
| Net interest margin | 3.3748% | 5,738 |
| Noninterest income to average assets | 0.2561% | 6,081 |
| Noninterest expense to average assets | 2.8281% | 4,366 |
| Loan and lease loss provision to assets | 0.0140% | 6,774 |
| Net operating income to assets | 0.3719% | 4,882 |
| Return on assets (ROA) | 0.3719% | 5,045 |
| Pretax return on assets | 0.5684% | 4,674 |
| Return on Equity (ROE) | 5.7056% | 3,938 |
| Retained earnings to average equity (ytd only) | 5.7056% | 2,492 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9218% | 2,052 |
| Assets per employee ($millions) | 5.6760% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6992% | 7,252 |
| Loan loss allowance to noncurrent loans | 38.6895% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 1.1293% | 4,878 |
| Noncurrent loans to loans | 1.8072% | 3,994 |
| Net loans and leases to total assets | 62.0525% | 4,673 |
| Net loans and leases to deposits | 79.4142% | 3,711 |
| Net loans and leases to core deposits | 79.4142% | 4,758 |
| Total domestic deposits to total assets | 78.1378% | 6,239 |
| Equity capital to assets | 6.6279% | 7,454 |
| Core capital (leverage) ratio | 6.6279% | 7,341 |
| Tier 1 risk-based capital ratio | 16.9406% | 2,302 |
| Total risk-based capital ratio | 18.0574% | 2,308 |
| Memoranda: | ||
| Average total assets | $57,000,000 | 6,434 |
| Average earning assets | $53,276,670 | 6,356 |
| Average equity | $3,715,670 | 7,209 |
| Average total loans | $35,335,670 | 6,271 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5969% | 2,164 |
| Cost of funding earning assets | 2.2328% | 536 |
| Net interest margin | 3.3641% | 5,738 |
| Noninterest income to average assets | 0.2101% | 6,458 |
| Noninterest expense to average assets | 2.5560% | 5,531 |
| Loan and lease loss provision to assets | 0.0140% | 6,479 |
| Net operating income to assets | 0.5112% | 4,340 |
| Return on assets (ROA) | 0.5112% | 4,479 |
| Pretax return on assets | 0.7843% | 3,935 |
| Return on Equity (ROE) | 7.9079% | 2,933 |
| Retained earnings to average equity (ytd only) | 7.9079% | 1,746 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2004% | 3,181 |
| Assets per employee ($millions) | 5.7530% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6947% | 7,345 |
| Loan loss allowance to noncurrent loans | 59.0361% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 0.7214% | 5,726 |
| Noncurrent loans to loans | 1.1767% | 5,010 |
| Net loans and leases to total assets | 60.8761% | 4,958 |
| Net loans and leases to deposits | 77.4943% | 4,135 |
| Net loans and leases to core deposits | 77.4943% | 5,089 |
| Total domestic deposits to total assets | 78.5555% | 6,189 |
| Equity capital to assets | 6.4818% | 7,529 |
| Core capital (leverage) ratio | 6.4818% | 7,475 |
| Tier 1 risk-based capital ratio | 16.3790% | 2,490 |
| Total risk-based capital ratio | 17.4551% | 2,522 |
| Memoranda: | ||
| Average total assets | $57,120,000 | 6,503 |
| Average earning assets | $53,387,000 | 6,416 |
| Average equity | $3,692,500 | 7,290 |
| Average total loans | $35,269,000 | 6,353 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7078% | 3,062 |
| Cost of funding earning assets | 2.6305% | 708 |
| Net interest margin | 3.0773% | 6,446 |
| Noninterest income to average assets | 0.2822% | 6,088 |
| Noninterest expense to average assets | 2.6043% | 5,790 |
| Loan and lease loss provision to assets | 0.1797% | 5,904 |
| Net operating income to assets | 0.2498% | 4,719 |
| Return on assets (ROA) | 0.2498% | 4,799 |
| Pretax return on assets | 0.3828% | 4,542 |
| Return on Equity (ROE) | 3.7620% | 4,176 |
| Retained earnings to average equity (ytd only) | 3.7620% | 2,560 |
| Net charge-offs to loans | 0.0509% | 6,591 |
| Credit loss provision to net charge-offs | 555.5556% | 540 |
| Earnings coverage of net charge-offs (x) | 17.3889% | 1,193 |
| Efficiency ratio | 82.2361% | 2,569 |
| Assets per employee ($millions) | 5.6710% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6861% | 7,402 |
| Loan loss allowance to noncurrent loans | 21.7430% | 6,971 |
| Noncurrent assets plus other real estate owned to assets | 1.9626% | 3,443 |
| Noncurrent loans to loans | 3.1556% | 2,427 |
| Net loans and leases to total assets | 61.7686% | 5,036 |
| Net loans and leases to deposits | 78.7363% | 4,224 |
| Net loans and leases to core deposits | 87.9595% | 5,333 |
| Total domestic deposits to total assets | 78.4500% | 6,132 |
| Equity capital to assets | 6.4468% | 7,572 |
| Core capital (leverage) ratio | 6.4468% | 7,512 |
| Tier 1 risk-based capital ratio | 15.1695% | 2,858 |
| Total risk-based capital ratio | 16.1736% | 2,932 |
| Memoranda: | ||
| Average total assets | $55,639,800 | 6,506 |
| Average earning assets | $52,156,800 | 6,452 |
| Average equity | $3,694,800 | 7,387 |
| Average total loans | $35,349,400 | 6,338 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7682% | 3,029 |
| Cost of funding earning assets | 2.6891% | 809 |
| Net interest margin | 3.0791% | 6,366 |
| Noninterest income to average assets | 0.2769% | 6,256 |
| Noninterest expense to average assets | 2.6198% | 5,646 |
| Loan and lease loss provision to assets | 0.1686% | 5,672 |
| Net operating income to assets | 0.2456% | 5,007 |
| Return on assets (ROA) | 0.2456% | 5,087 |
| Pretax return on assets | 0.3780% | 4,855 |
| Return on Equity (ROE) | 3.6712% | 4,511 |
| Retained earnings to average equity (ytd only) | 3.6712% | 3,237 |
| Net charge-offs to loans | 0.0679% | 6,014 |
| Credit loss provision to net charge-offs | 388.8889% | 1,038 |
| Earnings coverage of net charge-offs (x) | 12.6108% | 1,743 |
| Efficiency ratio | 82.7376% | 2,471 |
| Assets per employee ($millions) | 5.0660% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6076% | 7,569 |
| Loan loss allowance to noncurrent loans | 31.7293% | 6,327 |
| Noncurrent assets plus other real estate owned to assets | 1.1933% | 4,687 |
| Noncurrent loans to loans | 1.9149% | 3,754 |
| Net loans and leases to total assets | 61.9388% | 5,254 |
| Net loans and leases to deposits | 79.2051% | 4,534 |
| Net loans and leases to core deposits | 90.3726% | 5,397 |
| Total domestic deposits to total assets | 78.2005% | 6,020 |
| Equity capital to assets | 6.4943% | 7,764 |
| Core capital (leverage) ratio | 6.4943% | 7,679 |
| Tier 1 risk-based capital ratio | 15.3017% | 2,914 |
| Total risk-based capital ratio | 16.1938% | 3,001 |
| Memoranda: | ||
| Average total assets | $55,372,250 | 6,566 |
| Average earning assets | $51,961,500 | 6,502 |
| Average equity | $3,704,500 | 7,445 |
| Average total loans | $35,369,000 | 6,386 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8144% | 2,982 |
| Cost of funding earning assets | 2.7664% | 862 |
| Net interest margin | 3.0480% | 6,409 |
| Noninterest income to average assets | 0.2534% | 6,466 |
| Noninterest expense to average assets | 2.5989% | 5,744 |
| Loan and lease loss provision to assets | 0.0869% | 6,300 |
| Net operating income to assets | 0.2787% | 4,985 |
| Return on assets (ROA) | 0.2787% | 5,088 |
| Pretax return on assets | 0.4271% | 4,853 |
| Return on Equity (ROE) | 4.1254% | 4,442 |
| Retained earnings to average equity (ytd only) | 4.1254% | 2,993 |
| Net charge-offs to loans | 0.1012% | 5,148 |
| Credit loss provision to net charge-offs | 133.3333% | 3,495 |
| Earnings coverage of net charge-offs (x) | 7.8889% | 2,367 |
| Efficiency ratio | 83.4884% | 2,544 |
| Assets per employee ($millions) | 5.0395% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4644% | 7,827 |
| Loan loss allowance to noncurrent loans | 20.3727% | 7,109 |
| Noncurrent assets plus other real estate owned to assets | 1.4522% | 4,069 |
| Noncurrent loans to loans | 2.2795% | 3,159 |
| Net loans and leases to total assets | 63.4087% | 5,097 |
| Net loans and leases to deposits | 81.2228% | 4,355 |
| Net loans and leases to core deposits | 92.6438% | 5,278 |
| Total domestic deposits to total assets | 78.0676% | 6,055 |
| Equity capital to assets | 6.7973% | 7,711 |
| Core capital (leverage) ratio | 6.7973% | 7,656 |
| Tier 1 risk-based capital ratio | 16.2407% | 2,536 |
| Total risk-based capital ratio | 16.9475% | 2,665 |
| Memoranda: | ||
| Average total assets | $55,254,330 | 6,627 |
| Average earning assets | $51,836,670 | 6,564 |
| Average equity | $3,733,000 | 7,500 |
| Average total loans | $35,583,000 | 6,430 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6842% | 3,884 |
| Cost of funding earning assets | 2.8884% | 791 |
| Net interest margin | 2.7957% | 6,997 |
| Noninterest income to average assets | 0.2538% | 6,431 |
| Noninterest expense to average assets | 2.2841% | 6,591 |
| Loan and lease loss provision to assets | 0.0218% | 6,626 |
| Net operating income to assets | 0.3626% | 5,005 |
| Return on assets (ROA) | 0.3626% | 5,192 |
| Pretax return on assets | 0.5728% | 4,836 |
| Return on Equity (ROE) | 5.3829% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.3829% | 2,918 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3451% | 2,934 |
| Assets per employee ($millions) | 5.4585% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4739% | 7,856 |
| Loan loss allowance to noncurrent loans | 15.0874% | 7,392 |
| Noncurrent assets plus other real estate owned to assets | 1.9914% | 2,920 |
| Noncurrent loans to loans | 3.1408% | 2,058 |
| Net loans and leases to total assets | 63.1034% | 5,142 |
| Net loans and leases to deposits | 80.9975% | 4,450 |
| Net loans and leases to core deposits | 91.6480% | 5,381 |
| Total domestic deposits to total assets | 77.9079% | 6,049 |
| Equity capital to assets | 6.8517% | 7,749 |
| Core capital (leverage) ratio | 6.8517% | 7,727 |
| Tier 1 risk-based capital ratio | 16.4526% | 2,532 |
| Total risk-based capital ratio | 17.1740% | 2,657 |
| Memoranda: | ||
| Average total assets | $55,164,500 | 6,664 |
| Average earning assets | $51,793,000 | 6,580 |
| Average equity | $3,715,500 | 7,549 |
| Average total loans | $35,717,500 | 6,452 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9073% | 6,006 |
| Cost of funding earning assets | 3.1557% | 1,333 |
| Net interest margin | 2.7516% | 7,407 |
| Noninterest income to average assets | 0.2322% | 6,772 |
| Noninterest expense to average assets | 2.5253% | 5,911 |
| Loan and lease loss provision to assets | 0.2030% | 4,860 |
| Net operating income to assets | 0.0658% | 6,192 |
| Return on assets (ROA) | 0.0658% | 6,047 |
| Pretax return on assets | 0.0933% | 5,961 |
| Return on Equity (ROE) | 0.9799% | 5,925 |
| Retained earnings to average equity (ytd only) | 0.9799% | 4,645 |
| Net charge-offs to loans | 0.0170% | 6,634 |
| Credit loss provision to net charge-offs | 1,850.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,259 |
| Efficiency ratio | 89.5010% | 1,556 |
| Assets per employee ($millions) | 4.6453% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4372% | 7,937 |
| Loan loss allowance to noncurrent loans | 9.3823% | 7,511 |
| Noncurrent assets plus other real estate owned to assets | 3.0784% | 1,491 |
| Noncurrent loans to loans | 4.6598% | 1,009 |
| Net loans and leases to total assets | 65.7739% | 4,900 |
| Net loans and leases to deposits | 83.8306% | 4,448 |
| Net loans and leases to core deposits | 93.0041% | 5,546 |
| Total domestic deposits to total assets | 78.4605% | 5,560 |
| Equity capital to assets | 6.6213% | 7,896 |
| Core capital (leverage) ratio | 6.6213% | 7,890 |
| Tier 1 risk-based capital ratio | 15.7473% | 2,760 |
| Total risk-based capital ratio | 16.4341% | 2,886 |
| Memoranda: | ||
| Average total assets | $54,687,200 | 6,594 |
| Average earning assets | $51,461,800 | 6,530 |
| Average equity | $3,674,000 | 7,621 |
| Average total loans | $35,260,800 | 6,409 |