Home > Virginia Heritage Bank > Performance and Condition Ratios
Virginia Heritage 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 | 4.2602% | 2,778 |
| Cost of funding earning assets | 0.5998% | 1,833 |
| Net interest margin | 3.6604% | 3,186 |
| Noninterest income to average assets | 0.8178% | 1,823 |
| Noninterest expense to average assets | 2.6425% | 4,040 |
| Loan and lease loss provision to assets | 0.1090% | 2,221 |
| Net operating income to assets | 1.0013% | 2,447 |
| Return on assets (ROA) | 0.9756% | 2,638 |
| Pretax return on assets | 1.5369% | 1,523 |
| Return on Equity (ROE) | 8.9408% | 2,723 |
| Retained earnings to average equity (ytd only) | 8.7910% | 1,062 |
| Net charge-offs to loans | 0.0437% | 3,628 |
| Credit loss provision to net charge-offs | 305.2209% | 896 |
| Earnings coverage of net charge-offs (x) | 47.2251% | 1,012 |
| Efficiency ratio | 61.0487% | 5,031 |
| Assets per employee ($millions) | 8.1339% | 494 |
| Cash dividends to net income (ytd only)* | 1.6755% | 3,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 3,763 |
| Loan loss allowance to noncurrent loans | 418.5697% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2729% | 5,170 |
| Noncurrent loans to loans | 0.3054% | 4,994 |
| Net loans and leases to total assets | 83.5982% | 354 |
| Net loans and leases to deposits | 107.1010% | 290 |
| Net loans and leases to core deposits | 159.7923% | 78 |
| Total domestic deposits to total assets | 78.0555% | 5,520 |
| Equity capital to assets | 11.1581% | 2,805 |
| Core capital (leverage) ratio | 11.2770% | 2,239 |
| Tier 1 risk-based capital ratio | 13.1880% | 4,739 |
| Total risk-based capital ratio | 14.4356% | 4,677 |
| Memoranda: | ||
| Average total assets | $929,900,750 | 720 |
| Average earning assets | $891,870,500 | 691 |
| Average equity | $101,465,000 | 719 |
| Average total loans | $759,730,250 | 575 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2013% | 2,945 |
| Cost of funding earning assets | 0.5993% | 1,904 |
| Net interest margin | 3.6021% | 3,351 |
| Noninterest income to average assets | 0.8001% | 1,838 |
| Noninterest expense to average assets | 2.5973% | 4,248 |
| Loan and lease loss provision to assets | 0.1647% | 1,492 |
| Net operating income to assets | 0.9554% | 2,529 |
| Return on assets (ROA) | 0.9291% | 2,766 |
| Pretax return on assets | 1.4497% | 1,714 |
| Return on Equity (ROE) | 8.5814% | 2,799 |
| Retained earnings to average equity (ytd only) | 8.4292% | 1,164 |
| Net charge-offs to loans | 0.0478% | 3,295 |
| Credit loss provision to net charge-offs | 426.9663% | 660 |
| Earnings coverage of net charge-offs (x) | 42.9101% | 1,007 |
| Efficiency ratio | 61.0703% | 5,135 |
| Assets per employee ($millions) | 6.9758% | 807 |
| Cash dividends to net income (ytd only)* | 1.7732% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 3,661 |
| Loan loss allowance to noncurrent loans | 380.3447% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2996% | 5,168 |
| Noncurrent loans to loans | 0.3511% | 4,947 |
| Net loans and leases to total assets | 80.1766% | 670 |
| Net loans and leases to deposits | 98.7270% | 619 |
| Net loans and leases to core deposits | 139.7700% | 139 |
| Total domestic deposits to total assets | 81.2104% | 4,915 |
| Equity capital to assets | 10.8094% | 3,078 |
| Core capital (leverage) ratio | 11.3249% | 2,140 |
| Tier 1 risk-based capital ratio | 13.3650% | 4,676 |
| Total risk-based capital ratio | 14.6158% | 4,620 |
| Memoranda: | ||
| Average total assets | $922,645,000 | 725 |
| Average earning assets | $884,434,670 | 690 |
| Average equity | $99,890,670 | 727 |
| Average total loans | $744,347,670 | 582 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2428% | 2,712 |
| Cost of funding earning assets | 0.6094% | 1,899 |
| Net interest margin | 3.6334% | 3,129 |
| Noninterest income to average assets | 0.7098% | 2,128 |
| Noninterest expense to average assets | 2.4125% | 4,886 |
| Loan and lease loss provision to assets | 0.2013% | 1,158 |
| Net operating income to assets | 1.0330% | 2,072 |
| Return on assets (ROA) | 0.9729% | 2,376 |
| Pretax return on assets | 1.4846% | 1,475 |
| Return on Equity (ROE) | 8.9791% | 2,472 |
| Retained earnings to average equity (ytd only) | 8.8242% | 1,303 |
| Net charge-offs to loans | 0.1011% | 2,158 |
| Credit loss provision to net charge-offs | 247.8261% | 914 |
| Earnings coverage of net charge-offs (x) | 21.8750% | 1,275 |
| Efficiency ratio | 57.5869% | 5,692 |
| Assets per employee ($millions) | 6.6479% | 948 |
| Cash dividends to net income (ytd only)* | 1.7241% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 3,791 |
| Loan loss allowance to noncurrent loans | 991.3300% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 5,735 |
| Noncurrent loans to loans | 0.1372% | 5,691 |
| Net loans and leases to total assets | 79.5453% | 600 |
| Net loans and leases to deposits | 99.0088% | 491 |
| Net loans and leases to core deposits | 138.4389% | 133 |
| Total domestic deposits to total assets | 80.3417% | 5,414 |
| Equity capital to assets | 10.9179% | 2,798 |
| Core capital (leverage) ratio | 11.2849% | 2,153 |
| Tier 1 risk-based capital ratio | 13.5055% | 4,672 |
| Total risk-based capital ratio | 14.7565% | 4,614 |
| Memoranda: | ||
| Average total assets | $906,125,000 | 748 |
| Average earning assets | $867,729,500 | 707 |
| Average equity | $98,184,000 | 741 |
| Average total loans | $728,217,500 | 598 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2167% | 3,282 |
| Cost of funding earning assets | 0.6511% | 2,194 |
| Net interest margin | 3.5656% | 3,616 |
| Noninterest income to average assets | 1.2150% | 953 |
| Noninterest expense to average assets | 2.9133% | 3,334 |
| Loan and lease loss provision to assets | 0.2118% | 1,741 |
| Net operating income to assets | 1.0358% | 2,179 |
| Return on assets (ROA) | 1.0806% | 2,070 |
| Pretax return on assets | 1.6025% | 1,160 |
| Return on Equity (ROE) | 10.6879% | 1,867 |
| Retained earnings to average equity (ytd only) | 10.5062% | 487 |
| Net charge-offs to loans | 0.0357% | 4,731 |
| Credit loss provision to net charge-offs | 747.4576% | 333 |
| Earnings coverage of net charge-offs (x) | 61.6653% | 671 |
| Efficiency ratio | 62.5077% | 5,121 |
| Assets per employee ($millions) | 6.5317% | 975 |
| Cash dividends to net income (ytd only)* | 1.7000% | 4,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 3,816 |
| Loan loss allowance to noncurrent loans | 809.0909% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 5,724 |
| Noncurrent loans to loans | 0.1688% | 5,690 |
| Net loans and leases to total assets | 78.9891% | 717 |
| Net loans and leases to deposits | 99.3572% | 511 |
| Net loans and leases to core deposits | 137.4046% | 142 |
| Total domestic deposits to total assets | 79.5002% | 5,548 |
| Equity capital to assets | 10.7512% | 2,876 |
| Core capital (leverage) ratio | 11.7206% | 1,811 |
| Tier 1 risk-based capital ratio | 13.6063% | 4,578 |
| Total risk-based capital ratio | 14.8572% | 4,524 |
| Memoranda: | ||
| Average total assets | $832,840,400 | 798 |
| Average earning assets | $804,832,600 | 743 |
| Average equity | $84,207,400 | 846 |
| Average total loans | $661,163,400 | 637 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2083% | 3,359 |
| Cost of funding earning assets | 0.6672% | 2,206 |
| Net interest margin | 3.5412% | 3,705 |
| Noninterest income to average assets | 1.3557% | 790 |
| Noninterest expense to average assets | 3.0490% | 2,819 |
| Loan and lease loss provision to assets | 0.2378% | 1,512 |
| Net operating income to assets | 1.0097% | 2,341 |
| Return on assets (ROA) | 1.0664% | 2,219 |
| Pretax return on assets | 1.5848% | 1,372 |
| Return on Equity (ROE) | 10.7327% | 1,915 |
| Retained earnings to average equity (ytd only) | 10.5439% | 677 |
| Net charge-offs to loans | 0.0047% | 5,093 |
| Credit loss provision to net charge-offs | 6,339.1304% | 45 |
| Earnings coverage of net charge-offs (x) | 463.1989% | 126 |
| Efficiency ratio | 63.6918% | 4,854 |
| Assets per employee ($millions) | 6.2329% | 1,091 |
| Cash dividends to net income (ytd only)* | 1.7592% | 3,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 3,608 |
| Loan loss allowance to noncurrent loans | 401.1998% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.2894% | 5,566 |
| Noncurrent loans to loans | 0.3657% | 5,301 |
| Net loans and leases to total assets | 77.9680% | 745 |
| Net loans and leases to deposits | 91.6213% | 1,009 |
| Net loans and leases to core deposits | 127.2721% | 221 |
| Total domestic deposits to total assets | 85.0980% | 3,688 |
| Equity capital to assets | 11.3402% | 2,441 |
| Core capital (leverage) ratio | 11.7701% | 1,839 |
| Tier 1 risk-based capital ratio | 14.5907% | 4,021 |
| Total risk-based capital ratio | 15.8431% | 3,972 |
| Memoranda: | ||
| Average total assets | $817,340,250 | 817 |
| Average earning assets | $791,997,500 | 765 |
| Average equity | $81,207,750 | 888 |
| Average total loans | $647,300,000 | 653 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 3,447 |
| Cost of funding earning assets | 0.6782% | 2,237 |
| Net interest margin | 3.5017% | 3,776 |
| Noninterest income to average assets | 1.5840% | 630 |
| Noninterest expense to average assets | 3.1659% | 2,459 |
| Loan and lease loss provision to assets | 0.2840% | 1,280 |
| Net operating income to assets | 1.0307% | 2,200 |
| Return on assets (ROA) | 1.1176% | 1,990 |
| Pretax return on assets | 1.6616% | 1,206 |
| Return on Equity (ROE) | 11.8218% | 1,549 |
| Retained earnings to average equity (ytd only) | 11.6237% | 548 |
| Net charge-offs to loans | 0.0128% | 4,608 |
| Credit loss provision to net charge-offs | 2,809.7561% | 119 |
| Earnings coverage of net charge-offs (x) | 179.6829% | 276 |
| Efficiency ratio | 63.5496% | 4,928 |
| Assets per employee ($millions) | 6.1880% | 1,080 |
| Cash dividends to net income (ytd only)* | 1.6762% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 3,919 |
| Loan loss allowance to noncurrent loans | 270.4270% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.4275% | 5,210 |
| Noncurrent loans to loans | 0.5271% | 4,945 |
| Net loans and leases to total assets | 76.4659% | 929 |
| Net loans and leases to deposits | 88.8575% | 1,245 |
| Net loans and leases to core deposits | 126.7841% | 213 |
| Total domestic deposits to total assets | 86.0545% | 3,334 |
| Equity capital to assets | 10.6092% | 3,163 |
| Core capital (leverage) ratio | 11.6228% | 1,842 |
| Tier 1 risk-based capital ratio | 14.3475% | 4,196 |
| Total risk-based capital ratio | 15.5999% | 4,148 |
| Memoranda: | ||
| Average total assets | $811,385,000 | 825 |
| Average earning assets | $787,320,670 | 771 |
| Average equity | $76,705,670 | 943 |
| Average total loans | $642,770,000 | 652 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2199% | 3,214 |
| Cost of funding earning assets | 0.7037% | 2,173 |
| Net interest margin | 3.5162% | 3,632 |
| Noninterest income to average assets | 1.5754% | 620 |
| Noninterest expense to average assets | 3.2103% | 2,322 |
| Loan and lease loss provision to assets | 0.3197% | 1,054 |
| Net operating income to assets | 0.9635% | 2,385 |
| Return on assets (ROA) | 1.0298% | 2,220 |
| Pretax return on assets | 1.5552% | 1,411 |
| Return on Equity (ROE) | 11.6538% | 1,517 |
| Retained earnings to average equity (ytd only) | 11.4370% | 796 |
| Net charge-offs to loans | 0.0321% | 3,582 |
| Credit loss provision to net charge-offs | 1,243.1373% | 260 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 518 |
| Efficiency ratio | 64.4006% | 4,943 |
| Assets per employee ($millions) | 6.3372% | 1,059 |
| Cash dividends to net income (ytd only)* | 1.8609% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 4,273 |
| Loan loss allowance to noncurrent loans | 366.4043% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.3600% | 5,508 |
| Noncurrent loans to loans | 0.3801% | 5,454 |
| Net loans and leases to total assets | 77.8014% | 636 |
| Net loans and leases to deposits | 89.9549% | 970 |
| Net loans and leases to core deposits | 128.5330% | 185 |
| Total domestic deposits to total assets | 86.4893% | 3,240 |
| Equity capital to assets | 8.8044% | 5,705 |
| Core capital (leverage) ratio | 9.1651% | 4,620 |
| Tier 1 risk-based capital ratio | 11.1965% | 6,313 |
| Total risk-based capital ratio | 12.4482% | 6,292 |
| Memoranda: | ||
| Average total assets | $793,201,000 | 846 |
| Average earning assets | $769,124,000 | 797 |
| Average equity | $70,088,500 | 1,037 |
| Average total loans | $635,347,500 | 660 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6659% | 2,729 |
| Cost of funding earning assets | 0.9308% | 1,757 |
| Net interest margin | 3.7351% | 3,504 |
| Noninterest income to average assets | 1.8892% | 473 |
| Noninterest expense to average assets | 3.6117% | 1,584 |
| Loan and lease loss provision to assets | 0.5001% | 1,190 |
| Net operating income to assets | 0.9459% | 2,571 |
| Return on assets (ROA) | 1.1213% | 2,035 |
| Pretax return on assets | 1.6530% | 1,256 |
| Return on Equity (ROE) | 11.6111% | 1,619 |
| Retained earnings to average equity (ytd only) | 11.1722% | 424 |
| Net charge-offs to loans | 0.2342% | 3,537 |
| Credit loss provision to net charge-offs | 268.5039% | 898 |
| Earnings coverage of net charge-offs (x) | 10.1748% | 2,167 |
| Efficiency ratio | 65.5863% | 4,584 |
| Assets per employee ($millions) | 6.3030% | 1,101 |
| Cash dividends to net income (ytd only)* | 3.7798% | 4,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 4,638 |
| Loan loss allowance to noncurrent loans | 609.7417% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.2347% | 5,966 |
| Noncurrent loans to loans | 0.2132% | 5,940 |
| Net loans and leases to total assets | 80.2766% | 445 |
| Net loans and leases to deposits | 95.0438% | 677 |
| Net loans and leases to core deposits | 131.6646% | 174 |
| Total domestic deposits to total assets | 84.4627% | 4,097 |
| Equity capital to assets | 8.8689% | 5,663 |
| Core capital (leverage) ratio | 9.2755% | 4,458 |
| Tier 1 risk-based capital ratio | 10.8094% | 6,420 |
| Total risk-based capital ratio | 12.0600% | 6,396 |
| Memoranda: | ||
| Average total assets | $681,869,800 | 960 |
| Average earning assets | $660,403,400 | 912 |
| Average equity | $65,851,000 | 1,073 |
| Average total loans | $542,208,800 | 763 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7347% | 2,643 |
| Cost of funding earning assets | 0.9912% | 1,614 |
| Net interest margin | 3.7435% | 3,589 |
| Noninterest income to average assets | 1.6987% | 536 |
| Noninterest expense to average assets | 3.3398% | 2,158 |
| Loan and lease loss provision to assets | 0.5297% | 1,122 |
| Net operating income to assets | 0.9819% | 2,605 |
| Return on assets (ROA) | 1.1907% | 1,952 |
| Pretax return on assets | 1.7621% | 1,141 |
| Return on Equity (ROE) | 12.0374% | 1,629 |
| Retained earnings to average equity (ytd only) | 11.5225% | 608 |
| Net charge-offs to loans | 0.2431% | 3,264 |
| Credit loss provision to net charge-offs | 275.8985% | 984 |
| Earnings coverage of net charge-offs (x) | 10.3372% | 2,198 |
| Efficiency ratio | 62.7254% | 5,028 |
| Assets per employee ($millions) | 6.0451% | 1,224 |
| Cash dividends to net income (ytd only)* | 4.2782% | 3,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 4,678 |
| Loan loss allowance to noncurrent loans | 369.0047% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 5,845 |
| Noncurrent loans to loans | 0.3603% | 5,758 |
| Net loans and leases to total assets | 78.9975% | 609 |
| Net loans and leases to deposits | 92.8892% | 884 |
| Net loans and leases to core deposits | 128.2900% | 206 |
| Total domestic deposits to total assets | 85.0449% | 3,724 |
| Equity capital to assets | 9.3311% | 5,432 |
| Core capital (leverage) ratio | 9.5678% | 4,166 |
| Tier 1 risk-based capital ratio | 10.8189% | 6,558 |
| Total risk-based capital ratio | 12.0650% | 6,535 |
| Memoranda: | ||
| Average total assets | $656,944,000 | 1,011 |
| Average earning assets | $636,278,750 | 954 |
| Average equity | $64,984,500 | 1,094 |
| Average total loans | $518,840,500 | 804 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7652% | 2,661 |
| Cost of funding earning assets | 1.0613% | 1,406 |
| Net interest margin | 3.7039% | 3,795 |
| Noninterest income to average assets | 1.5906% | 586 |
| Noninterest expense to average assets | 3.2732% | 2,380 |
| Loan and lease loss provision to assets | 0.5727% | 1,059 |
| Net operating income to assets | 0.8970% | 2,924 |
| Return on assets (ROA) | 1.1141% | 2,214 |
| Pretax return on assets | 1.6494% | 1,401 |
| Return on Equity (ROE) | 11.0212% | 1,986 |
| Retained earnings to average equity (ytd only) | 10.3576% | 879 |
| Net charge-offs to loans | 0.3786% | 2,499 |
| Credit loss provision to net charge-offs | 192.5532% | 1,469 |
| Earnings coverage of net charge-offs (x) | 6.3979% | 2,643 |
| Efficiency ratio | 63.2374% | 5,046 |
| Assets per employee ($millions) | 6.1381% | 1,147 |
| Cash dividends to net income (ytd only)* | 6.0210% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 4,890 |
| Loan loss allowance to noncurrent loans | 393.4721% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 6,000 |
| Noncurrent loans to loans | 0.3303% | 5,889 |
| Net loans and leases to total assets | 75.8793% | 977 |
| Net loans and leases to deposits | 86.1513% | 1,574 |
| Net loans and leases to core deposits | 120.0251% | 311 |
| Total domestic deposits to total assets | 88.0768% | 2,089 |
| Equity capital to assets | 9.3710% | 5,231 |
| Core capital (leverage) ratio | 9.8325% | 3,675 |
| Tier 1 risk-based capital ratio | 11.2002% | 6,405 |
| Total risk-based capital ratio | 12.4000% | 6,407 |
| Memoranda: | ||
| Average total assets | $632,107,000 | 1,049 |
| Average earning assets | $611,893,330 | 984 |
| Average equity | $63,895,000 | 1,111 |
| Average total loans | $496,581,670 | 834 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9362% | 2,110 |
| Cost of funding earning assets | 1.1442% | 1,195 |
| Net interest margin | 3.7920% | 3,425 |
| Noninterest income to average assets | 1.4809% | 661 |
| Noninterest expense to average assets | 3.3469% | 2,153 |
| Loan and lease loss provision to assets | 0.6418% | 858 |
| Net operating income to assets | 0.7834% | 3,457 |
| Return on assets (ROA) | 0.9648% | 2,815 |
| Pretax return on assets | 1.4261% | 2,103 |
| Return on Equity (ROE) | 9.1538% | 2,760 |
| Retained earnings to average equity (ytd only) | 8.9127% | 1,620 |
| Net charge-offs to loans | 0.0244% | 4,347 |
| Credit loss provision to net charge-offs | 3,310.3448% | 82 |
| Earnings coverage of net charge-offs (x) | 92.8966% | 367 |
| Efficiency ratio | 65.0130% | 4,735 |
| Assets per employee ($millions) | 5.5222% | 1,677 |
| Cash dividends to net income (ytd only)* | 2.6334% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 4,489 |
| Loan loss allowance to noncurrent loans | 387.9538% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 5,864 |
| Noncurrent loans to loans | 0.3676% | 5,934 |
| Net loans and leases to total assets | 78.8149% | 512 |
| Net loans and leases to deposits | 92.4404% | 766 |
| Net loans and leases to core deposits | 142.3794% | 134 |
| Total domestic deposits to total assets | 85.2603% | 3,900 |
| Equity capital to assets | 10.2889% | 3,740 |
| Core capital (leverage) ratio | 10.6753% | 2,577 |
| Tier 1 risk-based capital ratio | 11.9413% | 5,998 |
| Total risk-based capital ratio | 13.1922% | 5,997 |
| Memoranda: | ||
| Average total assets | $598,289,000 | 1,118 |
| Average earning assets | $578,587,500 | 1,048 |
| Average equity | $63,056,000 | 1,123 |
| Average total loans | $475,896,500 | 864 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2020% | 2,049 |
| Cost of funding earning assets | 1.3721% | 1,155 |
| Net interest margin | 3.8299% | 3,676 |
| Noninterest income to average assets | 1.2428% | 843 |
| Noninterest expense to average assets | 3.2148% | 2,810 |
| Loan and lease loss provision to assets | 0.3943% | 2,628 |
| Net operating income to assets | 0.9025% | 2,589 |
| Return on assets (ROA) | 0.9944% | 2,361 |
| Pretax return on assets | 1.4979% | 1,477 |
| Return on Equity (ROE) | 9.6462% | 2,190 |
| Retained earnings to average equity (ytd only) | 9.5016% | 673 |
| Net charge-offs to loans | 0.1740% | 4,754 |
| Credit loss provision to net charge-offs | 282.5243% | 840 |
| Earnings coverage of net charge-offs (x) | 12.5603% | 1,612 |
| Efficiency ratio | 64.7160% | 5,002 |
| Assets per employee ($millions) | 5.6125% | 1,521 |
| Cash dividends to net income (ytd only)* | 1.4986% | 4,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 4,716 |
| Loan loss allowance to noncurrent loans | 650.5845% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 6,211 |
| Noncurrent loans to loans | 0.2058% | 6,335 |
| Net loans and leases to total assets | 78.0428% | 702 |
| Net loans and leases to deposits | 91.7517% | 988 |
| Net loans and leases to core deposits | 135.9576% | 192 |
| Total domestic deposits to total assets | 85.0587% | 3,811 |
| Equity capital to assets | 10.8074% | 3,187 |
| Core capital (leverage) ratio | 10.8741% | 2,375 |
| Tier 1 risk-based capital ratio | 12.7196% | 5,293 |
| Total risk-based capital ratio | 13.8979% | 5,318 |
| Memoranda: | ||
| Average total assets | $516,670,000 | 1,294 |
| Average earning assets | $502,496,400 | 1,206 |
| Average equity | $53,264,600 | 1,277 |
| Average total loans | $414,286,800 | 1,015 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1637% | 2,333 |
| Cost of funding earning assets | 1.4247% | 1,131 |
| Net interest margin | 3.7389% | 4,167 |
| Noninterest income to average assets | 1.1434% | 1,008 |
| Noninterest expense to average assets | 3.1559% | 2,974 |
| Loan and lease loss provision to assets | 0.3479% | 2,793 |
| Net operating income to assets | 0.8493% | 2,945 |
| Return on assets (ROA) | 0.9098% | 2,843 |
| Pretax return on assets | 1.3726% | 2,032 |
| Return on Equity (ROE) | 8.9503% | 2,615 |
| Retained earnings to average equity (ytd only) | 8.8482% | 1,205 |
| Net charge-offs to loans | 0.1222% | 4,814 |
| Credit loss provision to net charge-offs | 353.5135% | 803 |
| Earnings coverage of net charge-offs (x) | 16.5514% | 1,395 |
| Efficiency ratio | 65.9589% | 4,729 |
| Assets per employee ($millions) | 5.4447% | 1,652 |
| Cash dividends to net income (ytd only)* | 1.1400% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 4,895 |
| Loan loss allowance to noncurrent loans | 811.2994% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.2779% | 6,366 |
| Noncurrent loans to loans | 0.1634% | 6,540 |
| Net loans and leases to total assets | 77.7561% | 734 |
| Net loans and leases to deposits | 90.7841% | 1,129 |
| Net loans and leases to core deposits | 131.5941% | 227 |
| Total domestic deposits to total assets | 85.6495% | 3,421 |
| Equity capital to assets | 11.1371% | 3,012 |
| Core capital (leverage) ratio | 11.3220% | 2,148 |
| Tier 1 risk-based capital ratio | 13.8226% | 4,487 |
| Total risk-based capital ratio | 15.0642% | 4,453 |
| Memoranda: | ||
| Average total assets | $501,315,750 | 1,342 |
| Average earning assets | $488,220,500 | 1,251 |
| Average equity | $50,961,750 | 1,343 |
| Average total loans | $403,539,250 | 1,060 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1580% | 2,428 |
| Cost of funding earning assets | 1.4782% | 1,078 |
| Net interest margin | 3.6798% | 4,359 |
| Noninterest income to average assets | 0.9746% | 1,396 |
| Noninterest expense to average assets | 3.1069% | 3,227 |
| Loan and lease loss provision to assets | 0.3125% | 2,920 |
| Net operating income to assets | 0.7532% | 3,274 |
| Return on assets (ROA) | 0.7940% | 3,231 |
| Pretax return on assets | 1.1989% | 2,486 |
| Return on Equity (ROE) | 8.1037% | 2,903 |
| Retained earnings to average equity (ytd only) | 8.1037% | 1,427 |
| Net charge-offs to loans | 0.0605% | 5,047 |
| Credit loss provision to net charge-offs | 636.9748% | 493 |
| Earnings coverage of net charge-offs (x) | 29.5462% | 927 |
| Efficiency ratio | 68.1868% | 4,485 |
| Assets per employee ($millions) | 5.1608% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 4,939 |
| Loan loss allowance to noncurrent loans | 524.0616% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.3699% | 6,212 |
| Noncurrent loans to loans | 0.2533% | 6,414 |
| Net loans and leases to total assets | 77.6558% | 823 |
| Net loans and leases to deposits | 92.1527% | 1,043 |
| Net loans and leases to core deposits | 130.7991% | 266 |
| Total domestic deposits to total assets | 84.2686% | 4,231 |
| Equity capital to assets | 11.3327% | 2,656 |
| Core capital (leverage) ratio | 11.9677% | 1,616 |
| Tier 1 risk-based capital ratio | 13.7559% | 4,334 |
| Total risk-based capital ratio | 14.9454% | 4,359 |
| Memoranda: | ||
| Average total assets | $485,115,330 | 1,386 |
| Average earning assets | $472,198,330 | 1,304 |
| Average equity | $47,534,000 | 1,426 |
| Average total loans | $393,606,330 | 1,101 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1235% | 2,540 |
| Cost of funding earning assets | 1.5147% | 1,108 |
| Net interest margin | 3.6088% | 4,533 |
| Noninterest income to average assets | 0.7220% | 2,434 |
| Noninterest expense to average assets | 2.9821% | 3,718 |
| Loan and lease loss provision to assets | 0.3083% | 2,700 |
| Net operating income to assets | 0.6187% | 3,935 |
| Return on assets (ROA) | 0.6560% | 3,796 |
| Pretax return on assets | 0.9977% | 3,137 |
| Return on Equity (ROE) | 7.3362% | 3,227 |
| Retained earnings to average equity (ytd only) | 7.3362% | 2,008 |
| Net charge-offs to loans | 0.0976% | 3,970 |
| Credit loss provision to net charge-offs | 382.9787% | 863 |
| Earnings coverage of net charge-offs (x) | 15.5213% | 1,314 |
| Efficiency ratio | 70.4716% | 4,170 |
| Assets per employee ($millions) | 4.6757% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 5,163 |
| Loan loss allowance to noncurrent loans | 519.6721% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 6,235 |
| Noncurrent loans to loans | 0.2490% | 6,487 |
| Net loans and leases to total assets | 80.3378% | 484 |
| Net loans and leases to deposits | 93.8925% | 842 |
| Net loans and leases to core deposits | 137.4404% | 213 |
| Total domestic deposits to total assets | 85.5636% | 3,748 |
| Equity capital to assets | 8.7542% | 5,567 |
| Core capital (leverage) ratio | 9.1327% | 4,394 |
| Tier 1 risk-based capital ratio | 10.1474% | 6,949 |
| Total risk-based capital ratio | 11.3226% | 6,980 |
| Memoranda: | ||
| Average total assets | $467,051,000 | 1,449 |
| Average earning assets | $454,220,500 | 1,362 |
| Average equity | $41,765,500 | 1,594 |
| Average total loans | $385,299,000 | 1,141 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5195% | 2,207 |
| Cost of funding earning assets | 1.6608% | 1,777 |
| Net interest margin | 3.8587% | 3,695 |
| Noninterest income to average assets | 1.4150% | 726 |
| Noninterest expense to average assets | 3.5647% | 2,023 |
| Loan and lease loss provision to assets | 0.4975% | 3,167 |
| Net operating income to assets | 1.2408% | 1,318 |
| Return on assets (ROA) | 1.2791% | 1,287 |
| Pretax return on assets | 1.1228% | 2,493 |
| Return on Equity (ROE) | 14.5986% | 776 |
| Retained earnings to average equity (ytd only) | 14.5986% | 141 |
| Net charge-offs to loans | 0.2100% | 5,031 |
| Credit loss provision to net charge-offs | 270.9066% | 1,019 |
| Earnings coverage of net charge-offs (x) | 8.6143% | 1,949 |
| Efficiency ratio | 69.2612% | 4,323 |
| Assets per employee ($millions) | 4.5708% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 5,164 |
| Loan loss allowance to noncurrent loans | 133.4629% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.9922% | 5,025 |
| Noncurrent loans to loans | 0.9511% | 5,148 |
| Net loans and leases to total assets | 82.6102% | 406 |
| Net loans and leases to deposits | 98.0051% | 715 |
| Net loans and leases to core deposits | 165.7556% | 127 |
| Total domestic deposits to total assets | 84.2917% | 4,226 |
| Equity capital to assets | 9.1426% | 4,929 |
| Core capital (leverage) ratio | 9.0808% | 4,393 |
| Tier 1 risk-based capital ratio | 11.0396% | 6,297 |
| Total risk-based capital ratio | 12.2900% | 6,269 |
| Memoranda: | ||
| Average total assets | $402,388,800 | 1,643 |
| Average earning assets | $389,145,800 | 1,547 |
| Average equity | $35,256,800 | 1,880 |
| Average total loans | $351,829,200 | 1,274 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4975% | 2,438 |
| Cost of funding earning assets | 1.6761% | 1,983 |
| Net interest margin | 3.8214% | 3,877 |
| Noninterest income to average assets | 1.2650% | 861 |
| Noninterest expense to average assets | 3.3892% | 2,328 |
| Loan and lease loss provision to assets | 0.5051% | 2,932 |
| Net operating income to assets | 1.4234% | 1,066 |
| Return on assets (ROA) | 1.4757% | 1,038 |
| Pretax return on assets | 1.1129% | 2,786 |
| Return on Equity (ROE) | 17.0575% | 582 |
| Retained earnings to average equity (ytd only) | 17.0575% | 131 |
| Net charge-offs to loans | 0.0889% | 5,640 |
| Credit loss provision to net charge-offs | 642.1739% | 461 |
| Earnings coverage of net charge-offs (x) | 19.9043% | 1,186 |
| Efficiency ratio | 68.4014% | 4,388 |
| Assets per employee ($millions) | 4.5978% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 5,417 |
| Loan loss allowance to noncurrent loans | 377.1654% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.6016% | 5,932 |
| Noncurrent loans to loans | 0.3221% | 6,549 |
| Net loans and leases to total assets | 90.1329% | 55 |
| Net loans and leases to deposits | 107.5321% | 306 |
| Net loans and leases to core deposits | 223.7661% | 69 |
| Total domestic deposits to total assets | 83.8196% | 4,224 |
| Equity capital to assets | 8.2359% | 6,570 |
| Core capital (leverage) ratio | 8.4618% | 5,575 |
| Tier 1 risk-based capital ratio | 9.3091% | 7,298 |
| Total risk-based capital ratio | 10.5595% | 7,305 |
| Memoranda: | ||
| Average total assets | $389,859,250 | 1,716 |
| Average earning assets | $376,430,000 | 1,621 |
| Average equity | $33,728,250 | 1,982 |
| Average total loans | $345,130,750 | 1,314 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4381% | 2,808 |
| Cost of funding earning assets | 1.6990% | 2,122 |
| Net interest margin | 3.7391% | 4,186 |
| Noninterest income to average assets | 0.9081% | 1,665 |
| Noninterest expense to average assets | 3.2394% | 2,762 |
| Loan and lease loss provision to assets | 0.4258% | 3,198 |
| Net operating income to assets | 1.7017% | 586 |
| Return on assets (ROA) | 1.7528% | 572 |
| Pretax return on assets | 0.8995% | 3,493 |
| Return on Equity (ROE) | 19.8937% | 323 |
| Retained earnings to average equity (ytd only) | 19.8937% | 91 |
| Net charge-offs to loans | 0.0067% | 6,270 |
| Credit loss provision to net charge-offs | 7,272.7273% | 53 |
| Earnings coverage of net charge-offs (x) | 217.6364% | 157 |
| Efficiency ratio | 71.7689% | 3,857 |
| Assets per employee ($millions) | 4.8242% | 2,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 5,412 |
| Loan loss allowance to noncurrent loans | 510.8491% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.5930% | 6,008 |
| Noncurrent loans to loans | 0.2364% | 6,761 |
| Net loans and leases to total assets | 87.4429% | 153 |
| Net loans and leases to deposits | 106.1405% | 388 |
| Net loans and leases to core deposits | 231.5922% | 71 |
| Total domestic deposits to total assets | 82.3841% | 4,830 |
| Equity capital to assets | 8.5155% | 6,146 |
| Core capital (leverage) ratio | 8.8021% | 4,912 |
| Tier 1 risk-based capital ratio | 9.6552% | 7,198 |
| Total risk-based capital ratio | 10.9001% | 7,196 |
| Memoranda: | ||
| Average total assets | $375,747,330 | 1,784 |
| Average earning assets | $362,334,330 | 1,696 |
| Average equity | $33,106,000 | 2,011 |
| Average total loans | $328,727,670 | 1,389 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4219% | 2,933 |
| Cost of funding earning assets | 1.6665% | 2,560 |
| Net interest margin | 3.7554% | 3,981 |
| Noninterest income to average assets | 0.6548% | 2,901 |
| Noninterest expense to average assets | 3.1291% | 3,145 |
| Loan and lease loss provision to assets | 0.3324% | 3,403 |
| Net operating income to assets | 2.9573% | 96 |
| Return on assets (ROA) | 2.9573% | 102 |
| Pretax return on assets | 0.8089% | 3,829 |
| Return on Equity (ROE) | 32.9455% | 65 |
| Retained earnings to average equity (ytd only) | 32.9455% | 48 |
| Net charge-offs to loans | 0.0178% | 5,331 |
| Credit loss provision to net charge-offs | 2,142.8571% | 240 |
| Earnings coverage of net charge-offs (x) | 73.5714% | 425 |
| Efficiency ratio | 73.2745% | 3,709 |
| Assets per employee ($millions) | 4.7034% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 5,549 |
| Loan loss allowance to noncurrent loans | 537.0266% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.6478% | 5,901 |
| Noncurrent loans to loans | 0.2218% | 6,888 |
| Net loans and leases to total assets | 83.3867% | 446 |
| Net loans and leases to deposits | 105.8887% | 427 |
| Net loans and leases to core deposits | 180.7866% | 126 |
| Total domestic deposits to total assets | 78.7494% | 6,138 |
| Equity capital to assets | 8.8694% | 5,448 |
| Core capital (leverage) ratio | 9.5051% | 3,762 |
| Tier 1 risk-based capital ratio | 10.3403% | 6,767 |
| Total risk-based capital ratio | 11.5412% | 6,805 |
| Memoranda: | ||
| Average total assets | $361,003,000 | 1,899 |
| Average earning assets | $347,552,000 | 1,800 |
| Average equity | $32,405,000 | 2,072 |
| Average total loans | $313,750,500 | 1,504 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5631% | 3,794 |
| Cost of funding earning assets | 1.8236% | 3,862 |
| Net interest margin | 3.7395% | 3,952 |
| Noninterest income to average assets | 1.3030% | 883 |
| Noninterest expense to average assets | 3.8601% | 1,568 |
| Loan and lease loss provision to assets | 0.6876% | 3,078 |
| Net operating income to assets | 0.3579% | 4,295 |
| Return on assets (ROA) | 0.5110% | 3,775 |
| Pretax return on assets | 0.5110% | 4,152 |
| Return on Equity (ROE) | 4.9640% | 3,680 |
| Retained earnings to average equity (ytd only) | 4.9640% | 1,835 |
| Net charge-offs to loans | 0.2858% | 4,843 |
| Credit loss provision to net charge-offs | 272.0054% | 1,270 |
| Earnings coverage of net charge-offs (x) | 4.1359% | 3,042 |
| Efficiency ratio | 78.6878% | 3,096 |
| Assets per employee ($millions) | 4.2103% | 3,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 5,596 |
| Loan loss allowance to noncurrent loans | 598.4797% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.7222% | 5,665 |
| Noncurrent loans to loans | 0.1935% | 6,937 |
| Net loans and leases to total assets | 88.6859% | 142 |
| Net loans and leases to deposits | 117.0210% | 213 |
| Net loans and leases to core deposits | 240.8877% | 54 |
| Total domestic deposits to total assets | 75.7863% | 6,723 |
| Equity capital to assets | 9.0959% | 4,993 |
| Core capital (leverage) ratio | 9.3504% | 3,901 |
| Tier 1 risk-based capital ratio | 10.1290% | 6,761 |
| Total risk-based capital ratio | 11.2857% | 6,809 |
| Memoranda: | ||
| Average total assets | $293,927,800 | 2,256 |
| Average earning assets | $283,169,600 | 2,169 |
| Average equity | $30,258,000 | 2,214 |
| Average total loans | $259,955,400 | 1,834 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4786% | 4,527 |
| Cost of funding earning assets | 1.8665% | 4,067 |
| Net interest margin | 3.6121% | 4,435 |
| Noninterest income to average assets | 1.4408% | 717 |
| Noninterest expense to average assets | 4.0025% | 1,272 |
| Loan and lease loss provision to assets | 0.7537% | 2,483 |
| Net operating income to assets | 0.1687% | 5,257 |
| Return on assets (ROA) | 0.3804% | 4,582 |
| Pretax return on assets | 0.3804% | 4,847 |
| Return on Equity (ROE) | 3.5697% | 4,553 |
| Retained earnings to average equity (ytd only) | 3.5697% | 3,297 |
| Net charge-offs to loans | 0.3005% | 4,148 |
| Credit loss provision to net charge-offs | 284.8214% | 1,472 |
| Earnings coverage of net charge-offs (x) | 3.4857% | 3,511 |
| Efficiency ratio | 81.2704% | 2,684 |
| Assets per employee ($millions) | 3.7507% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 5,442 |
| Loan loss allowance to noncurrent loans | 237.9236% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.6901% | 5,758 |
| Noncurrent loans to loans | 0.4811% | 6,357 |
| Net loans and leases to total assets | 89.3870% | 140 |
| Net loans and leases to deposits | 117.1995% | 250 |
| Net loans and leases to core deposits | 214.6059% | 75 |
| Total domestic deposits to total assets | 76.2691% | 6,540 |
| Equity capital to assets | 9.5578% | 4,670 |
| Core capital (leverage) ratio | 10.1560% | 3,108 |
| Tier 1 risk-based capital ratio | 10.6997% | 6,251 |
| Total risk-based capital ratio | 11.8648% | 6,306 |
| Memoranda: | ||
| Average total assets | $282,151,250 | 2,345 |
| Average earning assets | $272,155,000 | 2,243 |
| Average equity | $30,067,500 | 2,248 |
| Average total loans | $248,446,250 | 1,927 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4537% | 4,876 |
| Cost of funding earning assets | 1.9031% | 4,246 |
| Net interest margin | 3.5506% | 4,568 |
| Noninterest income to average assets | 1.6219% | 567 |
| Noninterest expense to average assets | 4.2396% | 1,023 |
| Loan and lease loss provision to assets | 0.6172% | 2,585 |
| Net operating income to assets | 0.1934% | 5,285 |
| Return on assets (ROA) | 0.3571% | 4,770 |
| Pretax return on assets | 0.3571% | 5,053 |
| Return on Equity (ROE) | 3.2205% | 4,813 |
| Retained earnings to average equity (ytd only) | 3.2205% | 3,528 |
| Net charge-offs to loans | 0.2101% | 4,196 |
| Credit loss provision to net charge-offs | 337.2470% | 1,379 |
| Earnings coverage of net charge-offs (x) | 4.4291% | 3,100 |
| Efficiency ratio | 83.9495% | 2,479 |
| Assets per employee ($millions) | 3.5920% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0857% | 5,692 |
| Loan loss allowance to noncurrent loans | 203.6429% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.5149% | 6,147 |
| Noncurrent loans to loans | 0.5331% | 6,203 |
| Net loans and leases to total assets | 89.2769% | 167 |
| Net loans and leases to deposits | 119.7703% | 240 |
| Net loans and leases to core deposits | 196.5280% | 133 |
| Total domestic deposits to total assets | 74.5401% | 6,860 |
| Equity capital to assets | 10.3093% | 3,611 |
| Core capital (leverage) ratio | 10.7105% | 2,655 |
| Tier 1 risk-based capital ratio | 11.8213% | 5,083 |
| Total risk-based capital ratio | 12.9462% | 5,133 |
| Memoranda: | ||
| Average total assets | $269,932,330 | 2,443 |
| Average earning assets | $260,629,670 | 2,345 |
| Average equity | $29,933,000 | 2,266 |
| Average total loans | $235,170,670 | 2,043 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4446% | 5,202 |
| Cost of funding earning assets | 1.9650% | 4,308 |
| Net interest margin | 3.4796% | 4,805 |
| Noninterest income to average assets | 1.5650% | 565 |
| Noninterest expense to average assets | 4.0644% | 1,106 |
| Loan and lease loss provision to assets | 0.7447% | 1,729 |
| Net operating income to assets | 0.1141% | 5,938 |
| Return on assets (ROA) | 0.3346% | 5,324 |
| Pretax return on assets | 0.3346% | 5,583 |
| Return on Equity (ROE) | 2.9028% | 5,406 |
| Retained earnings to average equity (ytd only) | 2.9028% | 4,252 |
| Net charge-offs to loans | 0.2782% | 3,005 |
| Credit loss provision to net charge-offs | 313.6364% | 1,558 |
| Earnings coverage of net charge-offs (x) | 3.6169% | 3,117 |
| Efficiency ratio | 82.5556% | 2,470 |
| Assets per employee ($millions) | 3.5470% | 4,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 5,467 |
| Loan loss allowance to noncurrent loans | 70.1081% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 1.3818% | 3,884 |
| Noncurrent loans to loans | 1.5695% | 3,925 |
| Net loans and leases to total assets | 84.2688% | 648 |
| Net loans and leases to deposits | 115.9528% | 386 |
| Net loans and leases to core deposits | 182.7520% | 216 |
| Total domestic deposits to total assets | 72.6751% | 7,105 |
| Equity capital to assets | 10.8647% | 3,111 |
| Core capital (leverage) ratio | 11.5519% | 2,117 |
| Tier 1 risk-based capital ratio | 12.8892% | 4,261 |
| Total risk-based capital ratio | 14.0160% | 4,258 |
| Memoranda: | ||
| Average total assets | $259,422,500 | 2,554 |
| Average earning assets | $250,376,500 | 2,442 |
| Average equity | $29,902,000 | 2,286 |
| Average total loans | $221,454,000 | 2,170 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8990% | 6,042 |
| Cost of funding earning assets | 2.4677% | 4,379 |
| Net interest margin | 3.4313% | 5,542 |
| Noninterest income to average assets | 1.3074% | 854 |
| Noninterest expense to average assets | 4.6334% | 795 |
| Loan and lease loss provision to assets | 0.8652% | 1,724 |
| Net operating income to assets | -0.9156% | 7,198 |
| Return on assets (ROA) | -0.9156% | 7,120 |
| Pretax return on assets | -0.9156% | 6,950 |
| Return on Equity (ROE) | -5.6454% | 6,926 |
| Retained earnings to average equity (ytd only) | -5.6454% | 6,611 |
| Net charge-offs to loans | 0.1048% | 5,255 |
| Credit loss provision to net charge-offs | 1,074.6667% | 413 |
| Earnings coverage of net charge-offs (x) | -0.6267% | 6,520 |
| Efficiency ratio | 101.1008% | 939 |
| Assets per employee ($millions) | 3.3636% | 5,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 5,330 |
| Loan loss allowance to noncurrent loans | 5,147.7273% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 7,229 |
| Noncurrent loans to loans | 0.0212% | 7,433 |
| Net loans and leases to total assets | 84.6093% | 792 |
| Net loans and leases to deposits | 119.6393% | 394 |
| Net loans and leases to core deposits | 188.2228% | 224 |
| Total domestic deposits to total assets | 70.7203% | 7,200 |
| Equity capital to assets | 12.2823% | 2,118 |
| Core capital (leverage) ratio | 13.0164% | 1,534 |
| Tier 1 risk-based capital ratio | 14.5880% | 3,258 |
| Total risk-based capital ratio | 15.7105% | 3,229 |
| Memoranda: | ||
| Average total assets | $186,319,200 | 3,319 |
| Average earning assets | $177,861,400 | 3,209 |
| Average equity | $30,219,200 | 2,246 |
| Average total loans | $143,127,200 | 3,035 |