Home > Virginia Company Bank > Performance and Condition Ratios
Virginia Company Bank, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4550% | 2,035 |
| Cost of funding earning assets | 0.5157% | 2,604 |
| Net interest margin | 3.9393% | 2,079 |
| Noninterest income to average assets | 0.2836% | 5,174 |
| Noninterest expense to average assets | 4.4458% | 487 |
| Loan and lease loss provision to assets | -0.1210% | 6,311 |
| Net operating income to assets | -0.5154% | 6,373 |
| Return on assets (ROA) | -0.5124% | 6,370 |
| Pretax return on assets | -0.5124% | 6,357 |
| Return on Equity (ROE) | -5.3384% | 6,377 |
| Retained earnings to average equity (ytd only) | -5.3384% | 6,268 |
| Net charge-offs to loans | -0.0899% | 6,107 |
| Credit loss provision to net charge-offs | 172.4638% | 1,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.7067% | 150 |
| Assets per employee ($millions) | 3.9977% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 4,906 |
| Loan loss allowance to noncurrent loans | 271.9298% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.6058% | 4,024 |
| Noncurrent loans to loans | 0.3921% | 4,733 |
| Net loans and leases to total assets | 78.6883% | 869 |
| Net loans and leases to deposits | 92.8351% | 1,151 |
| Net loans and leases to core deposits | 117.8560% | 439 |
| Total domestic deposits to total assets | 84.7614% | 3,437 |
| Equity capital to assets | 9.6158% | 4,652 |
| Core capital (leverage) ratio | 9.7464% | 4,003 |
| Tier 1 risk-based capital ratio | 10.5680% | 6,185 |
| Total risk-based capital ratio | 11.4784% | 6,255 |
| Memoranda: | ||
| Average total assets | $131,146,750 | 3,983 |
| Average earning assets | $117,377,500 | 4,048 |
| Average equity | $12,587,750 | 4,291 |
| Average total loans | $102,357,750 | 3,402 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4130% | 2,129 |
| Cost of funding earning assets | 0.5277% | 2,559 |
| Net interest margin | 3.8853% | 2,235 |
| Noninterest income to average assets | 0.2617% | 5,325 |
| Noninterest expense to average assets | 4.1340% | 645 |
| Loan and lease loss provision to assets | -0.2178% | 6,487 |
| Net operating income to assets | -0.1800% | 6,308 |
| Return on assets (ROA) | -0.1755% | 6,314 |
| Pretax return on assets | -0.1755% | 6,298 |
| Return on Equity (ROE) | -1.8292% | 6,319 |
| Retained earnings to average equity (ytd only) | -1.8292% | 5,970 |
| Net charge-offs to loans | -0.2321% | 6,375 |
| Credit loss provision to net charge-offs | 121.0084% | 1,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6478% | 220 |
| Assets per employee ($millions) | 4.1268% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0711% | 5,020 |
| Loan loss allowance to noncurrent loans | 497.7578% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.4680% | 4,596 |
| Noncurrent loans to loans | 0.2152% | 5,367 |
| Net loans and leases to total assets | 77.6354% | 952 |
| Net loans and leases to deposits | 91.6743% | 1,193 |
| Net loans and leases to core deposits | 114.1110% | 532 |
| Total domestic deposits to total assets | 84.6862% | 3,647 |
| Equity capital to assets | 9.5943% | 4,635 |
| Core capital (leverage) ratio | 9.7818% | 3,914 |
| Tier 1 risk-based capital ratio | 10.7347% | 6,154 |
| Total risk-based capital ratio | 11.6526% | 6,236 |
| Memoranda: | ||
| Average total assets | $132,220,670 | 3,988 |
| Average earning assets | $118,241,330 | 4,056 |
| Average equity | $12,683,330 | 4,290 |
| Average total loans | $102,561,330 | 3,405 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3935% | 2,161 |
| Cost of funding earning assets | 0.5377% | 2,527 |
| Net interest margin | 3.8558% | 2,251 |
| Noninterest income to average assets | 0.2388% | 5,447 |
| Noninterest expense to average assets | 3.8881% | 875 |
| Loan and lease loss provision to assets | -0.3114% | 6,621 |
| Net operating income to assets | 0.0877% | 6,057 |
| Return on assets (ROA) | 0.0967% | 6,064 |
| Pretax return on assets | 0.0967% | 6,084 |
| Return on Equity (ROE) | 1.0087% | 6,039 |
| Retained earnings to average equity (ytd only) | 1.0087% | 5,196 |
| Net charge-offs to loans | -0.4234% | 6,526 |
| Credit loss provision to net charge-offs | 95.3704% | 1,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1056% | 333 |
| Assets per employee ($millions) | 4.0448% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 5,106 |
| Loan loss allowance to noncurrent loans | 467.2131% | 997 |
| Noncurrent assets plus other real estate owned to assets | 1.0174% | 3,222 |
| Noncurrent loans to loans | 0.2360% | 5,393 |
| Net loans and leases to total assets | 76.5954% | 934 |
| Net loans and leases to deposits | 93.8480% | 808 |
| Net loans and leases to core deposits | 118.3338% | 354 |
| Total domestic deposits to total assets | 81.6164% | 5,051 |
| Equity capital to assets | 9.5604% | 4,414 |
| Core capital (leverage) ratio | 10.0484% | 3,496 |
| Tier 1 risk-based capital ratio | 10.8496% | 6,220 |
| Total risk-based capital ratio | 11.7919% | 6,284 |
| Memoranda: | ||
| Average total assets | $132,302,500 | 4,025 |
| Average earning assets | $117,537,500 | 4,103 |
| Average equity | $12,690,000 | 4,297 |
| Average total loans | $102,025,500 | 3,426 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4979% | 2,212 |
| Cost of funding earning assets | 0.6081% | 2,589 |
| Net interest margin | 3.8898% | 2,328 |
| Noninterest income to average assets | 0.2447% | 5,593 |
| Noninterest expense to average assets | 3.6712% | 1,335 |
| Loan and lease loss provision to assets | 0.3330% | 969 |
| Net operating income to assets | -0.2701% | 6,401 |
| Return on assets (ROA) | -0.2312% | 6,393 |
| Pretax return on assets | -0.2312% | 6,379 |
| Return on Equity (ROE) | -2.3711% | 6,395 |
| Retained earnings to average equity (ytd only) | -2.3711% | 6,210 |
| Net charge-offs to loans | 0.3945% | 1,708 |
| Credit loss provision to net charge-offs | 112.6582% | 2,143 |
| Earnings coverage of net charge-offs (x) | 0.2127% | 5,016 |
| Efficiency ratio | 98.3166% | 535 |
| Assets per employee ($millions) | 4.0977% | 3,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 5,011 |
| Loan loss allowance to noncurrent loans | 454.0000% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 1.0715% | 3,267 |
| Noncurrent loans to loans | 0.2483% | 5,439 |
| Net loans and leases to total assets | 75.9096% | 1,089 |
| Net loans and leases to deposits | 92.2366% | 1,032 |
| Net loans and leases to core deposits | 116.4773% | 408 |
| Total domestic deposits to total assets | 82.2988% | 4,766 |
| Equity capital to assets | 9.6235% | 4,254 |
| Core capital (leverage) ratio | 9.8460% | 3,780 |
| Tier 1 risk-based capital ratio | 10.9331% | 6,200 |
| Total risk-based capital ratio | 11.8810% | 6,277 |
| Memoranda: | ||
| Average total assets | $133,634,400 | 4,003 |
| Average earning assets | $119,878,800 | 4,052 |
| Average equity | $13,031,800 | 4,259 |
| Average total loans | $100,134,600 | 3,440 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 2,388 |
| Cost of funding earning assets | 0.6281% | 2,567 |
| Net interest margin | 3.8303% | 2,540 |
| Noninterest income to average assets | 0.2354% | 5,747 |
| Noninterest expense to average assets | 3.6277% | 1,354 |
| Loan and lease loss provision to assets | 0.3416% | 950 |
| Net operating income to assets | -0.2939% | 6,521 |
| Return on assets (ROA) | -0.2423% | 6,505 |
| Pretax return on assets | -0.2423% | 6,485 |
| Return on Equity (ROE) | -2.4768% | 6,501 |
| Retained earnings to average equity (ytd only) | -2.4768% | 6,308 |
| Net charge-offs to loans | 0.2467% | 2,335 |
| Credit loss provision to net charge-offs | 185.9459% | 1,299 |
| Earnings coverage of net charge-offs (x) | 0.2595% | 4,777 |
| Efficiency ratio | 98.7031% | 509 |
| Assets per employee ($millions) | 4.2421% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 4,773 |
| Loan loss allowance to noncurrent loans | 80.7792% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.3315% | 2,974 |
| Noncurrent loans to loans | 1.5136% | 2,899 |
| Net loans and leases to total assets | 76.4207% | 952 |
| Net loans and leases to deposits | 94.1936% | 818 |
| Net loans and leases to core deposits | 121.8145% | 295 |
| Total domestic deposits to total assets | 81.1315% | 5,182 |
| Equity capital to assets | 9.7289% | 4,266 |
| Core capital (leverage) ratio | 10.0557% | 3,591 |
| Tier 1 risk-based capital ratio | 11.0451% | 6,260 |
| Total risk-based capital ratio | 12.0895% | 6,313 |
| Memoranda: | ||
| Average total assets | $134,261,250 | 4,027 |
| Average earning assets | $120,580,750 | 4,090 |
| Average equity | $13,135,000 | 4,286 |
| Average total loans | $100,000,000 | 3,473 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3940% | 2,584 |
| Cost of funding earning assets | 0.6468% | 2,525 |
| Net interest margin | 3.7472% | 2,772 |
| Noninterest income to average assets | 0.2323% | 5,784 |
| Noninterest expense to average assets | 3.5227% | 1,553 |
| Loan and lease loss provision to assets | 0.4172% | 726 |
| Net operating income to assets | -0.3388% | 6,573 |
| Return on assets (ROA) | -0.2826% | 6,574 |
| Pretax return on assets | -0.2826% | 6,545 |
| Return on Equity (ROE) | -2.8833% | 6,574 |
| Retained earnings to average equity (ytd only) | -2.8833% | 6,300 |
| Net charge-offs to loans | 0.2334% | 2,329 |
| Credit loss provision to net charge-offs | 243.1034% | 1,038 |
| Earnings coverage of net charge-offs (x) | 0.4569% | 4,384 |
| Efficiency ratio | 97.8225% | 577 |
| Assets per employee ($millions) | 4.0913% | 3,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 4,754 |
| Loan loss allowance to noncurrent loans | 69.1542% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 1.5429% | 2,793 |
| Noncurrent loans to loans | 1.8018% | 2,640 |
| Net loans and leases to total assets | 75.7292% | 1,013 |
| Net loans and leases to deposits | 94.1442% | 800 |
| Net loans and leases to core deposits | 123.0157% | 272 |
| Total domestic deposits to total assets | 80.4396% | 5,493 |
| Equity capital to assets | 9.8776% | 4,083 |
| Core capital (leverage) ratio | 10.0866% | 3,390 |
| Tier 1 risk-based capital ratio | 11.2032% | 6,245 |
| Total risk-based capital ratio | 12.2642% | 6,306 |
| Memoranda: | ||
| Average total assets | $135,180,000 | 4,038 |
| Average earning assets | $121,529,330 | 4,090 |
| Average equity | $13,248,670 | 4,285 |
| Average total loans | $99,419,670 | 3,506 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3158% | 2,823 |
| Cost of funding earning assets | 0.6680% | 2,495 |
| Net interest margin | 3.6479% | 3,080 |
| Noninterest income to average assets | 0.1602% | 6,301 |
| Noninterest expense to average assets | 3.3938% | 1,850 |
| Loan and lease loss provision to assets | 0.4981% | 542 |
| Net operating income to assets | -0.4545% | 6,655 |
| Return on assets (ROA) | -0.3933% | 6,658 |
| Pretax return on assets | -0.3933% | 6,635 |
| Return on Equity (ROE) | -4.0277% | 6,654 |
| Retained earnings to average equity (ytd only) | -4.0277% | 6,282 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7288% | 597 |
| Assets per employee ($millions) | 4.1904% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 4,843 |
| Loan loss allowance to noncurrent loans | 70.2461% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.4907% | 3,025 |
| Noncurrent loans to loans | 1.8101% | 2,848 |
| Net loans and leases to total assets | 72.7266% | 1,244 |
| Net loans and leases to deposits | 87.2993% | 1,214 |
| Net loans and leases to core deposits | 119.9016% | 286 |
| Total domestic deposits to total assets | 83.3072% | 4,758 |
| Equity capital to assets | 9.9139% | 4,257 |
| Core capital (leverage) ratio | 9.7642% | 3,710 |
| Tier 1 risk-based capital ratio | 11.4963% | 6,188 |
| Total risk-based capital ratio | 12.5851% | 6,241 |
| Memoranda: | ||
| Average total assets | $137,308,500 | 4,031 |
| Average earning assets | $123,359,500 | 4,082 |
| Average equity | $13,407,000 | 4,305 |
| Average total loans | $98,930,500 | 3,535 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6935% | 2,627 |
| Cost of funding earning assets | 0.8529% | 2,270 |
| Net interest margin | 3.8406% | 3,058 |
| Noninterest income to average assets | 0.1547% | 6,263 |
| Noninterest expense to average assets | 3.7862% | 1,279 |
| Loan and lease loss provision to assets | 0.2068% | 3,074 |
| Net operating income to assets | -0.3745% | 6,498 |
| Return on assets (ROA) | -0.1381% | 6,411 |
| Pretax return on assets | -0.1381% | 6,389 |
| Return on Equity (ROE) | -1.3892% | 6,414 |
| Retained earnings to average equity (ytd only) | -2.5165% | 6,224 |
| Net charge-offs to loans | 0.6817% | 1,731 |
| Credit loss provision to net charge-offs | 41.5698% | 4,907 |
| Earnings coverage of net charge-offs (x) | -0.3372% | 5,628 |
| Efficiency ratio | 104.6354% | 432 |
| Assets per employee ($millions) | 4.3913% | 3,166 |
| Cash dividends to net income (ytd only)* | -81.1518% | 7,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 5,570 |
| Loan loss allowance to noncurrent loans | 48.3081% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 1.7833% | 2,733 |
| Noncurrent loans to loans | 2.2668% | 2,388 |
| Net loans and leases to total assets | 69.7380% | 1,896 |
| Net loans and leases to deposits | 83.3692% | 1,831 |
| Net loans and leases to core deposits | 112.8450% | 442 |
| Total domestic deposits to total assets | 83.6497% | 4,475 |
| Equity capital to assets | 9.6212% | 4,703 |
| Core capital (leverage) ratio | 9.4238% | 4,224 |
| Tier 1 risk-based capital ratio | 11.3729% | 6,173 |
| Total risk-based capital ratio | 12.2942% | 6,301 |
| Memoranda: | ||
| Average total assets | $138,318,800 | 3,981 |
| Average earning assets | $124,746,200 | 4,003 |
| Average equity | $13,749,400 | 4,215 |
| Average total loans | $100,922,800 | 3,494 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7583% | 2,546 |
| Cost of funding earning assets | 0.8860% | 2,264 |
| Net interest margin | 3.8723% | 3,018 |
| Noninterest income to average assets | 0.1539% | 6,380 |
| Noninterest expense to average assets | 3.8731% | 1,102 |
| Loan and lease loss provision to assets | 0.3020% | 2,186 |
| Net operating income to assets | -0.5274% | 6,710 |
| Return on assets (ROA) | -0.2110% | 6,576 |
| Pretax return on assets | -0.2110% | 6,548 |
| Return on Equity (ROE) | -2.1052% | 6,579 |
| Retained earnings to average equity (ytd only) | -3.9014% | 6,541 |
| Net charge-offs to loans | 0.9048% | 1,205 |
| Credit loss provision to net charge-offs | 45.3488% | 4,508 |
| Earnings coverage of net charge-offs (x) | -0.3387% | 5,459 |
| Efficiency ratio | 106.1820% | 378 |
| Assets per employee ($millions) | 4.3473% | 3,166 |
| Cash dividends to net income (ytd only)* | -85.3196% | 7,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 5,709 |
| Loan loss allowance to noncurrent loans | 102.4908% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.9849% | 4,316 |
| Noncurrent loans to loans | 1.0768% | 4,286 |
| Net loans and leases to total assets | 69.3952% | 2,038 |
| Net loans and leases to deposits | 83.9964% | 1,874 |
| Net loans and leases to core deposits | 115.4756% | 395 |
| Total domestic deposits to total assets | 82.6169% | 4,782 |
| Equity capital to assets | 9.3684% | 5,384 |
| Core capital (leverage) ratio | 9.4552% | 4,343 |
| Tier 1 risk-based capital ratio | 11.3234% | 6,341 |
| Total risk-based capital ratio | 12.2668% | 6,453 |
| Memoranda: | ||
| Average total assets | $137,767,750 | 4,028 |
| Average earning assets | $124,300,000 | 4,058 |
| Average equity | $13,806,750 | 4,236 |
| Average total loans | $101,382,750 | 3,531 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9080% | 2,078 |
| Cost of funding earning assets | 0.8973% | 2,423 |
| Net interest margin | 4.0107% | 2,459 |
| Noninterest income to average assets | 0.1546% | 6,426 |
| Noninterest expense to average assets | 3.8022% | 1,208 |
| Loan and lease loss provision to assets | 0.1958% | 3,122 |
| Net operating income to assets | -0.2311% | 6,567 |
| Return on assets (ROA) | 0.2502% | 5,953 |
| Pretax return on assets | 0.2502% | 6,058 |
| Return on Equity (ROE) | 2.4410% | 5,898 |
| Retained earnings to average equity (ytd only) | 0.6605% | 5,799 |
| Net charge-offs to loans | 0.3011% | 2,824 |
| Credit loss provision to net charge-offs | 86.9281% | 3,134 |
| Earnings coverage of net charge-offs (x) | -0.1569% | 5,148 |
| Efficiency ratio | 100.9379% | 527 |
| Assets per employee ($millions) | 4.0699% | 3,723 |
| Cash dividends to net income (ytd only)* | 72.9412% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 4,084 |
| Loan loss allowance to noncurrent loans | 373.2824% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.9474% | 4,471 |
| Noncurrent loans to loans | 0.3977% | 5,739 |
| Net loans and leases to total assets | 70.3522% | 1,862 |
| Net loans and leases to deposits | 85.6557% | 1,643 |
| Net loans and leases to core deposits | 118.6323% | 335 |
| Total domestic deposits to total assets | 82.1337% | 5,081 |
| Equity capital to assets | 10.0254% | 4,293 |
| Core capital (leverage) ratio | 10.3226% | 3,019 |
| Tier 1 risk-based capital ratio | 11.8001% | 6,056 |
| Total risk-based capital ratio | 13.0503% | 6,034 |
| Memoranda: | ||
| Average total assets | $135,870,000 | 4,077 |
| Average earning assets | $122,372,000 | 4,114 |
| Average equity | $13,929,000 | 4,207 |
| Average total loans | $101,621,670 | 3,527 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0362% | 1,774 |
| Cost of funding earning assets | 0.9052% | 2,646 |
| Net interest margin | 4.1310% | 1,990 |
| Noninterest income to average assets | 0.1456% | 6,512 |
| Noninterest expense to average assets | 4.0976% | 833 |
| Loan and lease loss provision to assets | 0.2318% | 2,630 |
| Net operating income to assets | -0.4546% | 6,799 |
| Return on assets (ROA) | 0.5170% | 4,964 |
| Pretax return on assets | 0.5170% | 5,371 |
| Return on Equity (ROE) | 4.9867% | 4,791 |
| Retained earnings to average equity (ytd only) | 3.2099% | 4,643 |
| Net charge-offs to loans | 0.5940% | 1,610 |
| Credit loss provision to net charge-offs | 50.9804% | 3,269 |
| Earnings coverage of net charge-offs (x) | -0.4902% | 4,500 |
| Efficiency ratio | 105.7515% | 415 |
| Assets per employee ($millions) | 4.4409% | 3,101 |
| Cash dividends to net income (ytd only)* | 35.6322% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3678% | 4,737 |
| Loan loss allowance to noncurrent loans | 387.9121% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.9421% | 4,621 |
| Noncurrent loans to loans | 0.3526% | 5,969 |
| Net loans and leases to total assets | 73.9605% | 1,075 |
| Net loans and leases to deposits | 89.8208% | 981 |
| Net loans and leases to core deposits | 125.0568% | 240 |
| Total domestic deposits to total assets | 82.3423% | 5,178 |
| Equity capital to assets | 10.0641% | 4,050 |
| Core capital (leverage) ratio | 10.2091% | 3,092 |
| Tier 1 risk-based capital ratio | 11.4340% | 6,322 |
| Total risk-based capital ratio | 12.6003% | 6,344 |
| Memoranda: | ||
| Average total assets | $134,616,000 | 4,137 |
| Average earning assets | $121,520,000 | 4,164 |
| Average equity | $13,957,000 | 4,206 |
| Average total loans | $103,023,000 | 3,522 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3357% | 1,606 |
| Cost of funding earning assets | 1.1664% | 2,241 |
| Net interest margin | 4.1693% | 2,159 |
| Noninterest income to average assets | 0.1417% | 6,439 |
| Noninterest expense to average assets | 3.5855% | 1,771 |
| Loan and lease loss provision to assets | 0.3126% | 3,170 |
| Net operating income to assets | 0.0795% | 5,904 |
| Return on assets (ROA) | 0.0795% | 6,021 |
| Pretax return on assets | 0.0795% | 6,001 |
| Return on Equity (ROE) | 0.7198% | 6,018 |
| Retained earnings to average equity (ytd only) | -1.0476% | 6,012 |
| Net charge-offs to loans | 0.2664% | 4,106 |
| Credit loss provision to net charge-offs | 147.0370% | 1,941 |
| Earnings coverage of net charge-offs (x) | 1.8444% | 4,390 |
| Efficiency ratio | 90.1425% | 1,181 |
| Assets per employee ($millions) | 3.9868% | 3,889 |
| Cash dividends to net income (ytd only)* | 245.5446% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 4,254 |
| Loan loss allowance to noncurrent loans | 105.0141% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 1.1827% | 4,269 |
| Noncurrent loans to loans | 1.3772% | 4,077 |
| Net loans and leases to total assets | 77.0173% | 821 |
| Net loans and leases to deposits | 94.4695% | 781 |
| Net loans and leases to core deposits | 132.0445% | 217 |
| Total domestic deposits to total assets | 81.5261% | 5,286 |
| Equity capital to assets | 10.6861% | 3,315 |
| Core capital (leverage) ratio | 10.0167% | 3,320 |
| Tier 1 risk-based capital ratio | 11.6212% | 6,072 |
| Total risk-based capital ratio | 12.8717% | 6,059 |
| Memoranda: | ||
| Average total assets | $127,012,200 | 4,229 |
| Average earning assets | $116,855,400 | 4,214 |
| Average equity | $14,032,000 | 4,101 |
| Average total loans | $101,368,200 | 3,584 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3328% | 1,744 |
| Cost of funding earning assets | 1.2080% | 2,275 |
| Net interest margin | 4.1248% | 2,378 |
| Noninterest income to average assets | 0.1419% | 6,538 |
| Noninterest expense to average assets | 3.5802% | 1,756 |
| Loan and lease loss provision to assets | 0.3072% | 3,073 |
| Net operating income to assets | 0.0593% | 6,052 |
| Return on assets (ROA) | 0.0593% | 6,158 |
| Pretax return on assets | 0.0593% | 6,146 |
| Return on Equity (ROE) | 0.5323% | 6,166 |
| Retained earnings to average equity (ytd only) | -1.2358% | 6,190 |
| Net charge-offs to loans | 0.3564% | 3,309 |
| Credit loss provision to net charge-offs | 107.4074% | 3,078 |
| Earnings coverage of net charge-offs (x) | 1.2815% | 4,655 |
| Efficiency ratio | 90.7139% | 1,125 |
| Assets per employee ($millions) | 4.1282% | 3,585 |
| Cash dividends to net income (ytd only)* | 332.1591% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 4,816 |
| Loan loss allowance to noncurrent loans | 98.3607% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.1171% | 4,543 |
| Noncurrent loans to loans | 1.3627% | 4,262 |
| Net loans and leases to total assets | 72.3694% | 1,636 |
| Net loans and leases to deposits | 88.4540% | 1,378 |
| Net loans and leases to core deposits | 121.6957% | 345 |
| Total domestic deposits to total assets | 81.8159% | 5,156 |
| Equity capital to assets | 9.9887% | 4,357 |
| Core capital (leverage) ratio | 10.0470% | 3,372 |
| Tier 1 risk-based capital ratio | 11.7856% | 6,044 |
| Total risk-based capital ratio | 12.9697% | 6,089 |
| Memoranda: | ||
| Average total assets | $125,874,250 | 4,277 |
| Average earning assets | $116,108,750 | 4,248 |
| Average equity | $14,025,250 | 4,118 |
| Average total loans | $101,006,750 | 3,623 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4767% | 1,348 |
| Cost of funding earning assets | 1.2707% | 2,116 |
| Net interest margin | 4.2060% | 2,010 |
| Noninterest income to average assets | 0.1471% | 6,591 |
| Noninterest expense to average assets | 3.6730% | 1,578 |
| Loan and lease loss provision to assets | 0.2313% | 3,596 |
| Net operating income to assets | 0.1256% | 5,946 |
| Return on assets (ROA) | 0.1256% | 6,038 |
| Pretax return on assets | 0.1256% | 6,057 |
| Return on Equity (ROE) | 1.0836% | 6,064 |
| Retained earnings to average equity (ytd only) | -0.6844% | 5,996 |
| Net charge-offs to loans | 0.2232% | 3,784 |
| Credit loss provision to net charge-offs | 125.0000% | 2,438 |
| Earnings coverage of net charge-offs (x) | 1.9286% | 3,898 |
| Efficiency ratio | 91.1439% | 1,156 |
| Assets per employee ($millions) | 3.8172% | 4,159 |
| Cash dividends to net income (ytd only)* | 163.1579% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 4,813 |
| Loan loss allowance to noncurrent loans | 240.1384% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.5898% | 5,741 |
| Noncurrent loans to loans | 0.5637% | 5,790 |
| Net loans and leases to total assets | 80.2994% | 504 |
| Net loans and leases to deposits | 100.8394% | 454 |
| Net loans and leases to core deposits | 128.8223% | 288 |
| Total domestic deposits to total assets | 79.6310% | 5,918 |
| Equity capital to assets | 11.0951% | 2,861 |
| Core capital (leverage) ratio | 11.1797% | 2,129 |
| Tier 1 risk-based capital ratio | 11.9079% | 5,856 |
| Total risk-based capital ratio | 13.1050% | 5,870 |
| Memoranda: | ||
| Average total assets | $121,046,000 | 4,421 |
| Average earning assets | $111,746,000 | 4,393 |
| Average equity | $14,027,000 | 4,115 |
| Average total loans | $100,356,670 | 3,675 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5022% | 1,291 |
| Cost of funding earning assets | 1.3202% | 2,064 |
| Net interest margin | 4.1819% | 1,958 |
| Noninterest income to average assets | 0.1484% | 6,665 |
| Noninterest expense to average assets | 3.6564% | 1,638 |
| Loan and lease loss provision to assets | 0.1012% | 4,746 |
| Net operating income to assets | 0.2800% | 5,499 |
| Return on assets (ROA) | 0.2800% | 5,562 |
| Pretax return on assets | 0.2800% | 5,712 |
| Return on Equity (ROE) | 2.3626% | 5,649 |
| Retained earnings to average equity (ytd only) | 0.5978% | 5,593 |
| Net charge-offs to loans | 0.4513% | 2,346 |
| Credit loss provision to net charge-offs | 26.7857% | 4,170 |
| Earnings coverage of net charge-offs (x) | 1.0089% | 3,906 |
| Efficiency ratio | 90.5597% | 1,284 |
| Assets per employee ($millions) | 4.0092% | 3,820 |
| Cash dividends to net income (ytd only)* | 74.6988% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 5,196 |
| Loan loss allowance to noncurrent loans | 808.8608% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 6,509 |
| Noncurrent loans to loans | 0.1591% | 6,657 |
| Net loans and leases to total assets | 81.4959% | 389 |
| Net loans and leases to deposits | 107.3075% | 228 |
| Net loans and leases to core deposits | 152.0279% | 146 |
| Total domestic deposits to total assets | 75.9462% | 6,678 |
| Equity capital to assets | 11.6973% | 2,125 |
| Core capital (leverage) ratio | 11.7912% | 1,682 |
| Tier 1 risk-based capital ratio | 12.5283% | 5,237 |
| Total risk-based capital ratio | 13.6817% | 5,307 |
| Memoranda: | ||
| Average total assets | $118,586,000 | 4,525 |
| Average earning assets | $110,283,500 | 4,458 |
| Average equity | $14,052,500 | 4,103 |
| Average total loans | $99,266,000 | 3,743 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4684% | 2,410 |
| Cost of funding earning assets | 1.6548% | 1,802 |
| Net interest margin | 3.8137% | 3,894 |
| Noninterest income to average assets | 0.1523% | 6,631 |
| Noninterest expense to average assets | 3.4049% | 2,425 |
| Loan and lease loss provision to assets | 0.1621% | 5,594 |
| Net operating income to assets | 0.1825% | 5,330 |
| Return on assets (ROA) | 0.1870% | 5,485 |
| Pretax return on assets | 0.1870% | 5,515 |
| Return on Equity (ROE) | 1.4995% | 5,559 |
| Retained earnings to average equity (ytd only) | -0.2642% | 5,662 |
| Net charge-offs to loans | 0.0268% | 6,540 |
| Credit loss provision to net charge-offs | 728.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 15.4800% | 1,276 |
| Efficiency ratio | 90.8098% | 1,258 |
| Assets per employee ($millions) | 4.0309% | 3,716 |
| Cash dividends to net income (ytd only)* | 117.6190% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3705% | 4,654 |
| Loan loss allowance to noncurrent loans | 393.0636% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.3687% | 6,349 |
| Noncurrent loans to loans | 0.3487% | 6,362 |
| Net loans and leases to total assets | 83.7274% | 329 |
| Net loans and leases to deposits | 110.4000% | 231 |
| Net loans and leases to core deposits | 157.4550% | 151 |
| Total domestic deposits to total assets | 75.8401% | 6,649 |
| Equity capital to assets | 12.0073% | 1,911 |
| Core capital (leverage) ratio | 11.9499% | 1,585 |
| Tier 1 risk-based capital ratio | 12.8212% | 4,759 |
| Total risk-based capital ratio | 14.0713% | 4,726 |
| Memoranda: | ||
| Average total assets | $112,307,800 | 4,651 |
| Average earning assets | $105,935,200 | 4,566 |
| Average equity | $14,004,800 | 4,143 |
| Average total loans | $93,276,200 | 3,972 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4381% | 2,702 |
| Cost of funding earning assets | 1.7254% | 1,742 |
| Net interest margin | 3.7127% | 4,341 |
| Noninterest income to average assets | 0.1511% | 6,781 |
| Noninterest expense to average assets | 3.4616% | 2,135 |
| Loan and lease loss provision to assets | 0.1103% | 5,930 |
| Net operating income to assets | 0.0816% | 5,817 |
| Return on assets (ROA) | 0.0876% | 5,941 |
| Pretax return on assets | 0.0876% | 5,931 |
| Return on Equity (ROE) | 0.6954% | 5,968 |
| Retained earnings to average equity (ytd only) | -1.0764% | 6,027 |
| Net charge-offs to loans | 0.0145% | 6,470 |
| Credit loss provision to net charge-offs | 920.0000% | 317 |
| Earnings coverage of net charge-offs (x) | 16.0038% | 1,406 |
| Efficiency ratio | 94.7472% | 960 |
| Assets per employee ($millions) | 4.2820% | 3,291 |
| Cash dividends to net income (ytd only)* | 254.7930% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 4,587 |
| Loan loss allowance to noncurrent loans | 355.9557% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.3858% | 6,451 |
| Noncurrent loans to loans | 0.3870% | 6,423 |
| Net loans and leases to total assets | 79.5827% | 810 |
| Net loans and leases to deposits | 102.5730% | 502 |
| Net loans and leases to core deposits | 145.5316% | 216 |
| Total domestic deposits to total assets | 77.5864% | 6,351 |
| Equity capital to assets | 12.3412% | 1,947 |
| Core capital (leverage) ratio | 12.0574% | 1,640 |
| Tier 1 risk-based capital ratio | 13.5323% | 4,178 |
| Total risk-based capital ratio | 14.7821% | 4,128 |
| Memoranda: | ||
| Average total assets | $111,160,750 | 4,736 |
| Average earning assets | $104,863,250 | 4,644 |
| Average equity | $13,997,000 | 4,201 |
| Average total loans | $91,786,750 | 4,074 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4377% | 2,812 |
| Cost of funding earning assets | 1.7945% | 1,662 |
| Net interest margin | 3.6432% | 4,614 |
| Noninterest income to average assets | 0.1532% | 6,792 |
| Noninterest expense to average assets | 3.5559% | 1,895 |
| Loan and lease loss provision to assets | 0.1039% | 5,877 |
| Net operating income to assets | -0.0711% | 6,188 |
| Return on assets (ROA) | -0.0620% | 6,259 |
| Pretax return on assets | -0.0620% | 6,207 |
| Return on Equity (ROE) | -0.4890% | 6,248 |
| Retained earnings to average equity (ytd only) | -2.2723% | 6,191 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0854% | 840 |
| Assets per employee ($millions) | 4.3457% | 3,134 |
| Cash dividends to net income (ytd only)* | -364.7059% | 7,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 4,512 |
| Loan loss allowance to noncurrent loans | 276.3158% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.4036% | 6,435 |
| Noncurrent loans to loans | 0.5004% | 6,249 |
| Net loans and leases to total assets | 79.5308% | 870 |
| Net loans and leases to deposits | 103.8711% | 491 |
| Net loans and leases to core deposits | 142.1874% | 263 |
| Total domestic deposits to total assets | 76.5667% | 6,590 |
| Equity capital to assets | 12.4269% | 1,842 |
| Core capital (leverage) ratio | 12.2111% | 1,534 |
| Tier 1 risk-based capital ratio | 13.8344% | 3,845 |
| Total risk-based capital ratio | 15.0845% | 3,813 |
| Memoranda: | ||
| Average total assets | $109,676,670 | 4,811 |
| Average earning assets | $103,426,000 | 4,711 |
| Average equity | $13,906,670 | 4,219 |
| Average total loans | $91,284,670 | 4,120 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4678% | 2,742 |
| Cost of funding earning assets | 1.8867% | 1,505 |
| Net interest margin | 3.5812% | 4,807 |
| Noninterest income to average assets | 0.1555% | 6,857 |
| Noninterest expense to average assets | 3.3808% | 2,293 |
| Loan and lease loss provision to assets | 0.1444% | 5,111 |
| Net operating income to assets | 0.0111% | 6,257 |
| Return on assets (ROA) | 0.0111% | 6,366 |
| Pretax return on assets | 0.0111% | 6,329 |
| Return on Equity (ROE) | 0.0867% | 6,383 |
| Retained earnings to average equity (ytd only) | -1.7053% | 6,156 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6021% | 1,049 |
| Assets per employee ($millions) | 4.5496% | 2,873 |
| Cash dividends to net income (ytd only)* | 2,066.6667% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3627% | 4,612 |
| Loan loss allowance to noncurrent loans | 281.6327% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 6,464 |
| Noncurrent loans to loans | 0.4838% | 6,330 |
| Net loans and leases to total assets | 82.3346% | 551 |
| Net loans and leases to deposits | 106.8062% | 393 |
| Net loans and leases to core deposits | 159.2144% | 190 |
| Total domestic deposits to total assets | 77.0879% | 6,539 |
| Equity capital to assets | 12.7181% | 1,645 |
| Core capital (leverage) ratio | 12.8680% | 1,264 |
| Tier 1 risk-based capital ratio | 14.0492% | 3,627 |
| Total risk-based capital ratio | 15.3011% | 3,587 |
| Memoranda: | ||
| Average total assets | $108,020,500 | 4,925 |
| Average earning assets | $101,978,000 | 4,815 |
| Average equity | $13,839,500 | 4,275 |
| Average total loans | $91,366,500 | 4,174 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4923% | 4,183 |
| Cost of funding earning assets | 2.2986% | 1,666 |
| Net interest margin | 3.1937% | 6,118 |
| Noninterest income to average assets | 0.1468% | 7,005 |
| Noninterest expense to average assets | 3.2436% | 3,213 |
| Loan and lease loss provision to assets | 0.0950% | 6,659 |
| Net operating income to assets | -0.1778% | 5,817 |
| Return on assets (ROA) | -0.0753% | 5,652 |
| Pretax return on assets | -0.0753% | 5,565 |
| Return on Equity (ROE) | -0.6777% | 5,651 |
| Retained earnings to average equity (ytd only) | -1.9653% | 5,508 |
| Net charge-offs to loans | 0.0213% | 6,934 |
| Credit loss provision to net charge-offs | 531.5789% | 567 |
| Earnings coverage of net charge-offs (x) | -4.6316% | 7,098 |
| Efficiency ratio | 102.6190% | 990 |
| Assets per employee ($millions) | 4.4521% | 3,007 |
| Cash dividends to net income (ytd only)* | -190.0000% | 7,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 4,680 |
| Loan loss allowance to noncurrent loans | 238.6905% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 6,277 |
| Noncurrent loans to loans | 0.5503% | 6,138 |
| Net loans and leases to total assets | 84.5915% | 386 |
| Net loans and leases to deposits | 109.8410% | 389 |
| Net loans and leases to core deposits | 157.6042% | 368 |
| Total domestic deposits to total assets | 77.0126% | 6,472 |
| Equity capital to assets | 12.9078% | 1,543 |
| Core capital (leverage) ratio | 12.6626% | 1,369 |
| Tier 1 risk-based capital ratio | 14.0646% | 3,460 |
| Total risk-based capital ratio | 15.2838% | 3,431 |
| Memoranda: | ||
| Average total assets | $106,302,600 | 4,919 |
| Average earning assets | $100,321,400 | 4,840 |
| Average equity | $11,804,800 | 4,795 |
| Average total loans | $89,076,400 | 4,237 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4635% | 4,614 |
| Cost of funding earning assets | 2.3554% | 1,784 |
| Net interest margin | 3.1081% | 6,294 |
| Noninterest income to average assets | 0.1444% | 7,142 |
| Noninterest expense to average assets | 3.2489% | 3,129 |
| Loan and lease loss provision to assets | 0.1042% | 6,330 |
| Net operating income to assets | -0.2738% | 6,167 |
| Return on assets (ROA) | -0.1369% | 5,981 |
| Pretax return on assets | -0.1369% | 5,893 |
| Return on Equity (ROE) | -1.2852% | 5,985 |
| Retained earnings to average equity (ytd only) | -2.2638% | 5,774 |
| Net charge-offs to loans | 0.0286% | 6,480 |
| Credit loss provision to net charge-offs | 436.8421% | 909 |
| Earnings coverage of net charge-offs (x) | -7.1062% | 6,878 |
| Efficiency ratio | 105.5057% | 869 |
| Assets per employee ($millions) | 4.6094% | 2,686 |
| Cash dividends to net income (ytd only)* | -76.1439% | 7,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 4,271 |
| Loan loss allowance to noncurrent loans | 298.4887% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 6,585 |
| Noncurrent loans to loans | 0.4483% | 6,429 |
| Net loans and leases to total assets | 78.9803% | 1,400 |
| Net loans and leases to deposits | 98.8371% | 1,230 |
| Net loans and leases to core deposits | 144.4476% | 747 |
| Total domestic deposits to total assets | 79.9096% | 5,463 |
| Equity capital to assets | 12.5595% | 1,912 |
| Core capital (leverage) ratio | 12.6421% | 1,526 |
| Tier 1 risk-based capital ratio | 14.8805% | 3,101 |
| Total risk-based capital ratio | 16.1310% | 3,039 |
| Memoranda: | ||
| Average total assets | $106,165,750 | 4,953 |
| Average earning assets | $100,250,500 | 4,856 |
| Average equity | $11,308,000 | 4,979 |
| Average total loans | $88,448,250 | 4,296 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5476% | 4,346 |
| Cost of funding earning assets | 2.4622% | 1,740 |
| Net interest margin | 3.0854% | 6,294 |
| Noninterest income to average assets | 0.1433% | 7,232 |
| Noninterest expense to average assets | 3.2881% | 3,006 |
| Loan and lease loss provision to assets | 0.0726% | 6,469 |
| Net operating income to assets | -0.3038% | 6,326 |
| Return on assets (ROA) | -0.1739% | 6,165 |
| Pretax return on assets | -0.1739% | 6,091 |
| Return on Equity (ROE) | -1.7423% | 6,180 |
| Retained earnings to average equity (ytd only) | -1.7423% | 5,680 |
| Net charge-offs to loans | 0.0430% | 5,864 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | -6.3684% | 6,481 |
| Efficiency ratio | 107.5625% | 922 |
| Assets per employee ($millions) | 4.6206% | 2,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 4,449 |
| Loan loss allowance to noncurrent loans | 735.4839% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 7,200 |
| Noncurrent loans to loans | 0.1730% | 7,088 |
| Net loans and leases to total assets | 83.2283% | 751 |
| Net loans and leases to deposits | 109.6551% | 567 |
| Net loans and leases to core deposits | 159.1514% | 468 |
| Total domestic deposits to total assets | 75.9000% | 6,573 |
| Equity capital to assets | 12.9543% | 1,712 |
| Core capital (leverage) ratio | 13.1884% | 1,374 |
| Tier 1 risk-based capital ratio | 14.5646% | 3,213 |
| Total risk-based capital ratio | 15.7517% | 3,188 |
| Memoranda: | ||
| Average total assets | $104,679,330 | 5,025 |
| Average earning assets | $98,853,330 | 4,927 |
| Average equity | $10,446,000 | 5,230 |
| Average total loans | $88,412,000 | 4,319 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4732% | 5,051 |
| Cost of funding earning assets | 2.6185% | 1,503 |
| Net interest margin | 2.8547% | 6,865 |
| Noninterest income to average assets | 0.1386% | 7,308 |
| Noninterest expense to average assets | 3.2383% | 2,833 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.4005% | 6,783 |
| Return on assets (ROA) | -0.1733% | 6,608 |
| Pretax return on assets | -0.1733% | 6,543 |
| Return on Equity (ROE) | -2.0488% | 6,663 |
| Retained earnings to average equity (ytd only) | -2.0488% | 6,113 |
| Net charge-offs to loans | 0.0865% | 4,300 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -5.4737% | 5,575 |
| Efficiency ratio | 114.1113% | 729 |
| Assets per employee ($millions) | 4.3542% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 4,489 |
| Loan loss allowance to noncurrent loans | 115.3927% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.9139% | 4,907 |
| Noncurrent loans to loans | 1.0788% | 4,821 |
| Net loans and leases to total assets | 83.6545% | 740 |
| Net loans and leases to deposits | 104.2701% | 989 |
| Net loans and leases to core deposits | 123.0941% | 2,156 |
| Total domestic deposits to total assets | 80.2287% | 5,271 |
| Equity capital to assets | 8.2995% | 6,394 |
| Core capital (leverage) ratio | 8.1230% | 6,251 |
| Tier 1 risk-based capital ratio | 9.0573% | 7,755 |
| Total risk-based capital ratio | 10.2115% | 7,849 |
| Memoranda: | ||
| Average total assets | $103,882,000 | 5,071 |
| Average earning assets | $98,224,000 | 4,966 |
| Average equity | $8,785,500 | 5,779 |
| Average total loans | $87,823,000 | 4,367 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0164% | 5,474 |
| Cost of funding earning assets | 3.3639% | 774 |
| Net interest margin | 2.6525% | 7,574 |
| Noninterest income to average assets | 0.1476% | 7,360 |
| Noninterest expense to average assets | 3.5767% | 2,208 |
| Loan and lease loss provision to assets | 0.4003% | 3,284 |
| Net operating income to assets | -1.3303% | 7,404 |
| Return on assets (ROA) | -1.3291% | 7,343 |
| Pretax return on assets | -1.3291% | 7,178 |
| Return on Equity (ROE) | -12.4281% | 7,457 |
| Retained earnings to average equity (ytd only) | -12.4281% | 7,281 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.1340% | 434 |
| Assets per employee ($millions) | 4.3027% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 3,882 |
| Loan loss allowance to noncurrent loans | 73.7500% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 1.4720% | 3,276 |
| Noncurrent loans to loans | 1.7446% | 3,150 |
| Net loans and leases to total assets | 83.2856% | 997 |
| Net loans and leases to deposits | 116.8739% | 484 |
| Net loans and leases to core deposits | 193.3630% | 194 |
| Total domestic deposits to total assets | 71.2610% | 7,126 |
| Equity capital to assets | 8.6167% | 5,904 |
| Core capital (leverage) ratio | 9.0661% | 4,646 |
| Tier 1 risk-based capital ratio | 9.2423% | 7,577 |
| Total risk-based capital ratio | 10.4356% | 7,589 |
| Memoranda: | ||
| Average total assets | $87,427,000 | 5,436 |
| Average earning assets | $82,374,400 | 5,357 |
| Average equity | $9,349,800 | 5,619 |
| Average total loans | $72,387,800 | 4,789 |