Home > Virginia Savings Bank, F.S.B. > Performance and Condition Ratios
Virginia Savings Bank, F.S.B., Performance and Condition Ratios
| 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 | 4.6782% | 3,141 |
| Cost of funding earning assets | 0.9815% | 2,093 |
| Net interest margin | 3.6967% | 3,847 |
| Noninterest income to average assets | 0.7514% | 2,393 |
| Noninterest expense to average assets | 3.4472% | 1,889 |
| Loan and lease loss provision to assets | 0.1196% | 3,850 |
| Net operating income to assets | 0.3098% | 5,630 |
| Return on assets (ROA) | 0.3098% | 5,794 |
| Pretax return on assets | 0.4999% | 5,430 |
| Return on Equity (ROE) | 3.3433% | 5,575 |
| Retained earnings to average equity (ytd only) | 2.7143% | 4,902 |
| Net charge-offs to loans | 0.2620% | 2,621 |
| Credit loss provision to net charge-offs | 69.6429% | 2,920 |
| Earnings coverage of net charge-offs (x) | 3.6071% | 2,794 |
| Efficiency ratio | 84.7662% | 1,603 |
| Assets per employee ($millions) | 2.8279% | 6,468 |
| Cash dividends to net income (ytd only)* | 18.8119% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 6,091 |
| Loan loss allowance to noncurrent loans | 164.1929% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 1.1504% | 4,208 |
| Noncurrent loans to loans | 0.6374% | 5,367 |
| Net loans and leases to total assets | 62.9542% | 3,053 |
| Net loans and leases to deposits | 69.6358% | 3,778 |
| Net loans and leases to core deposits | 70.4247% | 4,351 |
| Total domestic deposits to total assets | 90.4049% | 865 |
| Equity capital to assets | 9.1226% | 5,328 |
| Core capital (leverage) ratio | 8.3472% | 5,813 |
| Tier 1 risk-based capital ratio | 13.7708% | 4,630 |
| Total risk-based capital ratio | 16.1106% | 3,815 |
| Memoranda: | ||
| Average total assets | $130,426,000 | 4,220 |
| Average earning assets | $116,968,000 | 4,272 |
| Average equity | $12,084,000 | 4,594 |
| Average total loans | $85,486,500 | 3,955 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2976% | 1,706 |
| Cost of funding earning assets | 1.1067% | 2,628 |
| Net interest margin | 4.1909% | 2,093 |
| Noninterest income to average assets | 0.8144% | 1,986 |
| Noninterest expense to average assets | 3.8485% | 1,262 |
| Loan and lease loss provision to assets | 0.1339% | 4,938 |
| Net operating income to assets | 0.3990% | 4,871 |
| Return on assets (ROA) | 0.4080% | 5,010 |
| Pretax return on assets | 0.6377% | 4,567 |
| Return on Equity (ROE) | 4.4060% | 4,674 |
| Retained earnings to average equity (ytd only) | 3.7753% | 3,529 |
| Net charge-offs to loans | 0.2814% | 4,015 |
| Credit loss provision to net charge-offs | 67.9842% | 4,931 |
| Earnings coverage of net charge-offs (x) | 3.8458% | 3,370 |
| Efficiency ratio | 83.5531% | 1,817 |
| Assets per employee ($millions) | 2.7221% | 6,575 |
| Cash dividends to net income (ytd only)* | 14.3130% | 3,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 6,020 |
| Loan loss allowance to noncurrent loans | 126.1538% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 1.4335% | 3,837 |
| Noncurrent loans to loans | 0.8274% | 5,032 |
| Net loans and leases to total assets | 66.8378% | 2,623 |
| Net loans and leases to deposits | 73.9668% | 3,505 |
| Net loans and leases to core deposits | 74.8335% | 4,128 |
| Total domestic deposits to total assets | 90.3620% | 784 |
| Equity capital to assets | 9.4129% | 5,006 |
| Core capital (leverage) ratio | 8.6099% | 5,377 |
| Tier 1 risk-based capital ratio | 13.9400% | 4,370 |
| Total risk-based capital ratio | 16.3475% | 3,545 |
| Memoranda: | ||
| Average total assets | $128,438,400 | 4,207 |
| Average earning assets | $116,204,000 | 4,230 |
| Average equity | $11,893,000 | 4,573 |
| Average total loans | $89,916,400 | 3,858 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3910% | 1,541 |
| Cost of funding earning assets | 1.1209% | 2,823 |
| Net interest margin | 4.2701% | 1,824 |
| Noninterest income to average assets | 0.8120% | 1,996 |
| Noninterest expense to average assets | 3.6765% | 1,548 |
| Loan and lease loss provision to assets | 0.0850% | 5,380 |
| Net operating income to assets | 0.5797% | 4,180 |
| Return on assets (ROA) | 0.5797% | 4,361 |
| Pretax return on assets | 0.9106% | 3,718 |
| Return on Equity (ROE) | 6.2866% | 3,884 |
| Retained earnings to average equity (ytd only) | 5.6456% | 2,775 |
| Net charge-offs to loans | 0.2085% | 4,129 |
| Credit loss provision to net charge-offs | 57.7465% | 4,859 |
| Earnings coverage of net charge-offs (x) | 6.7605% | 2,493 |
| Efficiency ratio | 78.6903% | 2,444 |
| Assets per employee ($millions) | 2.5981% | 6,783 |
| Cash dividends to net income (ytd only)* | 10.1971% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 6,069 |
| Loan loss allowance to noncurrent loans | 95.9459% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 1.5689% | 3,739 |
| Noncurrent loans to loans | 1.0895% | 4,733 |
| Net loans and leases to total assets | 67.2597% | 2,620 |
| Net loans and leases to deposits | 74.3828% | 3,605 |
| Net loans and leases to core deposits | 75.2366% | 4,292 |
| Total domestic deposits to total assets | 90.4237% | 669 |
| Equity capital to assets | 9.3115% | 5,364 |
| Core capital (leverage) ratio | 8.5206% | 5,680 |
| Tier 1 risk-based capital ratio | 13.8287% | 4,477 |
| Total risk-based capital ratio | 16.2318% | 3,643 |
| Memoranda: | ||
| Average total assets | $128,562,750 | 4,225 |
| Average earning assets | $116,216,000 | 4,246 |
| Average equity | $11,855,500 | 4,600 |
| Average total loans | $90,791,750 | 3,871 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5003% | 1,294 |
| Cost of funding earning assets | 1.1409% | 2,964 |
| Net interest margin | 4.3593% | 1,485 |
| Noninterest income to average assets | 0.7821% | 2,100 |
| Noninterest expense to average assets | 3.6483% | 1,629 |
| Loan and lease loss provision to assets | 0.0593% | 5,567 |
| Net operating income to assets | 0.6260% | 3,930 |
| Return on assets (ROA) | 0.6260% | 4,057 |
| Pretax return on assets | 1.0053% | 3,216 |
| Return on Equity (ROE) | 6.8108% | 3,525 |
| Retained earnings to average equity (ytd only) | 6.1654% | 2,322 |
| Net charge-offs to loans | 0.2554% | 3,609 |
| Credit loss provision to net charge-offs | 32.4786% | 4,953 |
| Earnings coverage of net charge-offs (x) | 5.8291% | 2,520 |
| Efficiency ratio | 77.4097% | 2,796 |
| Assets per employee ($millions) | 2.5577% | 6,850 |
| Cash dividends to net income (ytd only)* | 9.4763% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 6,210 |
| Loan loss allowance to noncurrent loans | 131.4972% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 1.4333% | 4,061 |
| Noncurrent loans to loans | 0.7851% | 5,343 |
| Net loans and leases to total assets | 69.7913% | 2,264 |
| Net loans and leases to deposits | 77.2027% | 3,263 |
| Net loans and leases to core deposits | 78.0984% | 4,045 |
| Total domestic deposits to total assets | 90.4001% | 758 |
| Equity capital to assets | 9.3497% | 5,080 |
| Core capital (leverage) ratio | 8.5441% | 5,485 |
| Tier 1 risk-based capital ratio | 13.3262% | 4,667 |
| Total risk-based capital ratio | 15.6818% | 3,812 |
| Memoranda: | ||
| Average total assets | $128,115,670 | 4,270 |
| Average earning assets | $115,522,000 | 4,289 |
| Average equity | $11,775,330 | 4,620 |
| Average total loans | $91,623,670 | 3,898 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6432% | 986 |
| Cost of funding earning assets | 1.1488% | 3,168 |
| Net interest margin | 4.4944% | 1,085 |
| Noninterest income to average assets | 0.7424% | 2,303 |
| Noninterest expense to average assets | 3.6466% | 1,659 |
| Loan and lease loss provision to assets | 0.1310% | 4,362 |
| Net operating income to assets | 0.6239% | 3,898 |
| Return on assets (ROA) | 0.6239% | 3,966 |
| Pretax return on assets | 1.0044% | 3,120 |
| Return on Equity (ROE) | 6.8467% | 3,466 |
| Retained earnings to average equity (ytd only) | 6.1962% | 2,527 |
| Net charge-offs to loans | 0.3162% | 2,785 |
| Credit loss provision to net charge-offs | 57.5342% | 3,588 |
| Earnings coverage of net charge-offs (x) | 4.9863% | 2,358 |
| Efficiency ratio | 76.2557% | 3,116 |
| Assets per employee ($millions) | 2.6398% | 6,783 |
| Cash dividends to net income (ytd only)* | 9.5000% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 6,143 |
| Loan loss allowance to noncurrent loans | 70.7581% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 2.0487% | 3,261 |
| Noncurrent loans to loans | 1.5173% | 4,197 |
| Net loans and leases to total assets | 69.8093% | 2,170 |
| Net loans and leases to deposits | 77.0003% | 3,254 |
| Net loans and leases to core deposits | 77.8816% | 4,035 |
| Total domestic deposits to total assets | 90.6611% | 774 |
| Equity capital to assets | 9.1031% | 5,042 |
| Core capital (leverage) ratio | 8.3059% | 5,798 |
| Tier 1 risk-based capital ratio | 12.8693% | 4,932 |
| Total risk-based capital ratio | 15.2417% | 4,057 |
| Memoranda: | ||
| Average total assets | $128,230,000 | 4,302 |
| Average earning assets | $115,254,000 | 4,317 |
| Average equity | $11,684,500 | 4,625 |
| Average total loans | $92,343,000 | 3,918 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4003% | 2,671 |
| Cost of funding earning assets | 1.3451% | 3,609 |
| Net interest margin | 4.0552% | 2,776 |
| Noninterest income to average assets | 0.8724% | 1,963 |
| Noninterest expense to average assets | 3.7488% | 1,593 |
| Loan and lease loss provision to assets | 0.2156% | 5,101 |
| Net operating income to assets | 0.3635% | 4,699 |
| Return on assets (ROA) | 0.3751% | 4,803 |
| Pretax return on assets | 0.5526% | 4,467 |
| Return on Equity (ROE) | 4.2504% | 4,411 |
| Retained earnings to average equity (ytd only) | 3.5891% | 3,344 |
| Net charge-offs to loans | 0.3202% | 4,421 |
| Credit loss provision to net charge-offs | 89.9351% | 5,137 |
| Earnings coverage of net charge-offs (x) | 3.1331% | 3,506 |
| Efficiency ratio | 83.3103% | 2,015 |
| Assets per employee ($millions) | 2.5941% | 6,867 |
| Cash dividends to net income (ytd only)* | 15.5602% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0824% | 6,014 |
| Loan loss allowance to noncurrent loans | 51.7400% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 2.4475% | 2,829 |
| Noncurrent loans to loans | 2.0919% | 3,444 |
| Net loans and leases to total assets | 72.6904% | 1,947 |
| Net loans and leases to deposits | 80.3080% | 3,113 |
| Net loans and leases to core deposits | 81.4212% | 3,991 |
| Total domestic deposits to total assets | 90.5144% | 823 |
| Equity capital to assets | 9.1213% | 4,963 |
| Core capital (leverage) ratio | 8.3108% | 5,671 |
| Tier 1 risk-based capital ratio | 12.2687% | 5,239 |
| Total risk-based capital ratio | 14.6048% | 4,287 |
| Memoranda: | ||
| Average total assets | $128,493,600 | 4,307 |
| Average earning assets | $114,938,200 | 4,345 |
| Average equity | $11,340,000 | 4,780 |
| Average total loans | $96,188,800 | 3,891 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3748% | 2,998 |
| Cost of funding earning assets | 1.3634% | 3,813 |
| Net interest margin | 4.0114% | 3,048 |
| Noninterest income to average assets | 0.8165% | 2,146 |
| Noninterest expense to average assets | 3.7917% | 1,381 |
| Loan and lease loss provision to assets | 0.1728% | 5,312 |
| Net operating income to assets | 0.2483% | 5,356 |
| Return on assets (ROA) | 0.2629% | 5,464 |
| Pretax return on assets | 0.4584% | 5,050 |
| Return on Equity (ROE) | 3.0032% | 5,222 |
| Retained earnings to average equity (ytd only) | 2.3411% | 4,768 |
| Net charge-offs to loans | 0.2752% | 4,297 |
| Credit loss provision to net charge-offs | 83.5000% | 5,022 |
| Earnings coverage of net charge-offs (x) | 2.9400% | 3,661 |
| Efficiency ratio | 86.1712% | 1,618 |
| Assets per employee ($millions) | 2.6361% | 6,868 |
| Cash dividends to net income (ytd only)* | 22.0457% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 6,140 |
| Loan loss allowance to noncurrent loans | 33.0386% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 3.2895% | 2,170 |
| Noncurrent loans to loans | 3.1922% | 2,496 |
| Net loans and leases to total assets | 73.2857% | 1,956 |
| Net loans and leases to deposits | 80.7040% | 3,322 |
| Net loans and leases to core deposits | 82.0891% | 4,235 |
| Total domestic deposits to total assets | 90.8080% | 517 |
| Equity capital to assets | 8.8142% | 5,844 |
| Core capital (leverage) ratio | 8.0200% | 6,324 |
| Tier 1 risk-based capital ratio | 11.7969% | 5,639 |
| Total risk-based capital ratio | 14.0852% | 4,688 |
| Memoranda: | ||
| Average total assets | $128,839,750 | 4,357 |
| Average earning assets | $115,102,250 | 4,402 |
| Average equity | $11,276,500 | 4,862 |
| Average total loans | $96,884,250 | 3,948 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4054% | 2,952 |
| Cost of funding earning assets | 1.3784% | 4,016 |
| Net interest margin | 4.0270% | 2,891 |
| Noninterest income to average assets | 0.8188% | 2,023 |
| Noninterest expense to average assets | 3.8592% | 1,247 |
| Loan and lease loss provision to assets | 0.2657% | 4,265 |
| Net operating income to assets | 0.1383% | 5,759 |
| Return on assets (ROA) | 0.1383% | 5,871 |
| Pretax return on assets | 0.2797% | 5,564 |
| Return on Equity (ROE) | 1.5836% | 5,767 |
| Retained earnings to average equity (ytd only) | 0.9252% | 5,392 |
| Net charge-offs to loans | 0.3741% | 3,490 |
| Credit loss provision to net charge-offs | 93.9560% | 4,295 |
| Earnings coverage of net charge-offs (x) | 1.9286% | 4,072 |
| Efficiency ratio | 87.6190% | 1,545 |
| Assets per employee ($millions) | 2.6547% | 6,852 |
| Cash dividends to net income (ytd only)* | 41.5730% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 6,069 |
| Loan loss allowance to noncurrent loans | 52.7096% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 2.5085% | 2,877 |
| Noncurrent loans to loans | 2.0367% | 3,671 |
| Net loans and leases to total assets | 73.0381% | 2,159 |
| Net loans and leases to deposits | 80.1972% | 3,566 |
| Net loans and leases to core deposits | 81.5526% | 4,486 |
| Total domestic deposits to total assets | 91.0732% | 455 |
| Equity capital to assets | 8.6439% | 5,952 |
| Core capital (leverage) ratio | 7.8530% | 6,436 |
| Tier 1 risk-based capital ratio | 11.1574% | 6,088 |
| Total risk-based capital ratio | 13.3862% | 5,163 |
| Memoranda: | ||
| Average total assets | $128,730,670 | 4,382 |
| Average earning assets | $114,626,670 | 4,443 |
| Average equity | $11,240,330 | 4,869 |
| Average total loans | $97,289,000 | 3,980 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5093% | 2,541 |
| Cost of funding earning assets | 1.4222% | 4,036 |
| Net interest margin | 4.0871% | 2,495 |
| Noninterest income to average assets | 0.7559% | 2,264 |
| Noninterest expense to average assets | 3.7452% | 1,421 |
| Loan and lease loss provision to assets | 0.2030% | 4,469 |
| Net operating income to assets | 0.2686% | 5,427 |
| Return on assets (ROA) | 0.2686% | 5,548 |
| Pretax return on assets | 0.4342% | 5,182 |
| Return on Equity (ROE) | 3.0609% | 5,312 |
| Retained earnings to average equity (ytd only) | 2.3847% | 4,709 |
| Net charge-offs to loans | 0.1389% | 4,104 |
| Credit loss provision to net charge-offs | 191.1765% | 1,927 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,302 |
| Efficiency ratio | 85.4597% | 1,854 |
| Assets per employee ($millions) | 2.4803% | 7,223 |
| Cash dividends to net income (ytd only)* | 22.0930% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 6,000 |
| Loan loss allowance to noncurrent loans | 43.2139% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 2.7485% | 2,644 |
| Noncurrent loans to loans | 2.5457% | 3,128 |
| Net loans and leases to total assets | 74.7918% | 1,790 |
| Net loans and leases to deposits | 82.1769% | 3,255 |
| Net loans and leases to core deposits | 83.2183% | 4,307 |
| Total domestic deposits to total assets | 91.0132% | 539 |
| Equity capital to assets | 8.7333% | 5,684 |
| Core capital (leverage) ratio | 7.9315% | 6,338 |
| Tier 1 risk-based capital ratio | 10.8271% | 6,318 |
| Total risk-based capital ratio | 13.0324% | 5,353 |
| Memoranda: | ||
| Average total assets | $128,056,000 | 4,454 |
| Average earning assets | $113,627,000 | 4,528 |
| Average equity | $11,238,500 | 4,911 |
| Average total loans | $97,914,000 | 4,025 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6583% | 3,303 |
| Cost of funding earning assets | 1.8982% | 3,471 |
| Net interest margin | 3.7602% | 3,870 |
| Noninterest income to average assets | 1.1096% | 1,248 |
| Noninterest expense to average assets | 4.0189% | 1,339 |
| Loan and lease loss provision to assets | 0.3803% | 4,506 |
| Net operating income to assets | -0.0301% | 5,548 |
| Return on assets (ROA) | -0.0306% | 5,580 |
| Pretax return on assets | 0.0474% | 5,338 |
| Return on Equity (ROE) | -0.3536% | 5,595 |
| Retained earnings to average equity (ytd only) | -1.0255% | 5,266 |
| Net charge-offs to loans | 0.5390% | 3,634 |
| Credit loss provision to net charge-offs | 90.1996% | 5,993 |
| Earnings coverage of net charge-offs (x) | 1.0163% | 5,100 |
| Efficiency ratio | 90.3648% | 1,681 |
| Assets per employee ($millions) | 2.4449% | 7,289 |
| Cash dividends to net income (ytd only)* | -190.0000% | 7,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 6,086 |
| Loan loss allowance to noncurrent loans | 45.9031% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 3.3972% | 1,994 |
| Noncurrent loans to loans | 2.3095% | 3,278 |
| Net loans and leases to total assets | 76.4925% | 1,696 |
| Net loans and leases to deposits | 84.1610% | 3,225 |
| Net loans and leases to core deposits | 96.3014% | 4,427 |
| Total domestic deposits to total assets | 90.8884% | 575 |
| Equity capital to assets | 8.8198% | 5,400 |
| Core capital (leverage) ratio | 7.9949% | 6,203 |
| Tier 1 risk-based capital ratio | 10.4744% | 6,422 |
| Total risk-based capital ratio | 12.6064% | 5,510 |
| Memoranda: | ||
| Average total assets | $130,683,600 | 4,321 |
| Average earning assets | $116,005,600 | 4,397 |
| Average equity | $11,311,800 | 4,935 |
| Average total loans | $102,235,000 | 3,888 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6851% | 3,411 |
| Cost of funding earning assets | 1.9791% | 3,471 |
| Net interest margin | 3.7061% | 4,043 |
| Noninterest income to average assets | 1.1208% | 1,262 |
| Noninterest expense to average assets | 3.9339% | 1,377 |
| Loan and lease loss provision to assets | 0.2736% | 4,779 |
| Net operating income to assets | 0.1233% | 5,400 |
| Return on assets (ROA) | 0.1226% | 5,461 |
| Pretax return on assets | 0.2047% | 5,291 |
| Return on Equity (ROE) | 1.4231% | 5,364 |
| Retained earnings to average equity (ytd only) | 0.7527% | 4,866 |
| Net charge-offs to loans | 0.4133% | 3,608 |
| Credit loss provision to net charge-offs | 84.3750% | 5,643 |
| Earnings coverage of net charge-offs (x) | 1.4781% | 4,679 |
| Efficiency ratio | 89.1389% | 1,773 |
| Assets per employee ($millions) | 2.3892% | 7,390 |
| Cash dividends to net income (ytd only)* | 47.1084% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 6,081 |
| Loan loss allowance to noncurrent loans | 44.9313% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 3.3374% | 2,019 |
| Noncurrent loans to loans | 2.3060% | 3,257 |
| Net loans and leases to total assets | 78.9009% | 1,408 |
| Net loans and leases to deposits | 87.0940% | 3,130 |
| Net loans and leases to core deposits | 99.0620% | 4,478 |
| Total domestic deposits to total assets | 90.5928% | 553 |
| Equity capital to assets | 9.0076% | 5,467 |
| Core capital (leverage) ratio | 8.1700% | 6,069 |
| Tier 1 risk-based capital ratio | 10.5035% | 6,467 |
| Total risk-based capital ratio | 12.5819% | 5,548 |
| Memoranda: | ||
| Average total assets | $131,571,000 | 4,337 |
| Average earning assets | $116,886,500 | 4,413 |
| Average equity | $11,336,500 | 4,970 |
| Average total loans | $103,221,250 | 3,900 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6366% | 3,880 |
| Cost of funding earning assets | 2.0701% | 3,420 |
| Net interest margin | 3.5664% | 4,513 |
| Noninterest income to average assets | 1.1950% | 1,099 |
| Noninterest expense to average assets | 3.8073% | 1,647 |
| Loan and lease loss provision to assets | 0.2882% | 4,270 |
| Net operating income to assets | 0.1601% | 5,390 |
| Return on assets (ROA) | 0.1591% | 5,487 |
| Pretax return on assets | 0.2612% | 5,299 |
| Return on Equity (ROE) | 1.8739% | 5,346 |
| Retained earnings to average equity (ytd only) | 1.2021% | 4,675 |
| Net charge-offs to loans | 0.3712% | 3,332 |
| Credit loss provision to net charge-offs | 99.4819% | 4,628 |
| Earnings coverage of net charge-offs (x) | 1.9016% | 4,156 |
| Efficiency ratio | 87.3579% | 2,088 |
| Assets per employee ($millions) | 2.4695% | 7,306 |
| Cash dividends to net income (ytd only)* | 35.8491% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 5,825 |
| Loan loss allowance to noncurrent loans | 30.1819% | 6,461 |
| Noncurrent assets plus other real estate owned to assets | 4.1678% | 1,388 |
| Noncurrent loans to loans | 3.5188% | 1,989 |
| Net loans and leases to total assets | 77.9391% | 1,755 |
| Net loans and leases to deposits | 85.6794% | 3,605 |
| Net loans and leases to core deposits | 98.3314% | 4,667 |
| Total domestic deposits to total assets | 90.9660% | 462 |
| Equity capital to assets | 8.7070% | 5,741 |
| Core capital (leverage) ratio | 7.9057% | 6,483 |
| Tier 1 risk-based capital ratio | 10.1467% | 6,777 |
| Total risk-based capital ratio | 12.2019% | 5,868 |
| Memoranda: | ||
| Average total assets | $133,219,330 | 4,324 |
| Average earning assets | $118,157,000 | 4,408 |
| Average equity | $11,313,330 | 4,997 |
| Average total loans | $103,976,670 | 3,908 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6347% | 4,142 |
| Cost of funding earning assets | 2.1874% | 3,231 |
| Net interest margin | 3.4474% | 4,951 |
| Noninterest income to average assets | 0.7828% | 2,414 |
| Noninterest expense to average assets | 3.5390% | 2,008 |
| Loan and lease loss provision to assets | 0.1191% | 5,440 |
| Net operating income to assets | 0.1362% | 5,870 |
| Return on assets (ROA) | 0.1339% | 6,042 |
| Pretax return on assets | 0.1756% | 5,995 |
| Return on Equity (ROE) | 1.5969% | 5,922 |
| Retained earnings to average equity (ytd only) | 0.9226% | 5,281 |
| Net charge-offs to loans | 0.0728% | 4,461 |
| Credit loss provision to net charge-offs | 210.5263% | 2,131 |
| Earnings coverage of net charge-offs (x) | 5.2632% | 2,709 |
| Efficiency ratio | 92.2420% | 1,552 |
| Assets per employee ($millions) | 2.4723% | 7,336 |
| Cash dividends to net income (ytd only)* | 42.2222% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0651% | 5,716 |
| Loan loss allowance to noncurrent loans | 42.2306% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 4.0306% | 1,273 |
| Noncurrent loans to loans | 2.5221% | 2,613 |
| Net loans and leases to total assets | 77.7162% | 1,890 |
| Net loans and leases to deposits | 85.1833% | 3,779 |
| Net loans and leases to core deposits | 98.0662% | 4,739 |
| Total domestic deposits to total assets | 91.2340% | 337 |
| Equity capital to assets | 8.4611% | 6,137 |
| Core capital (leverage) ratio | 7.7144% | 6,868 |
| Tier 1 risk-based capital ratio | 9.7332% | 7,218 |
| Total risk-based capital ratio | 11.7335% | 6,328 |
| Memoranda: | ||
| Average total assets | $134,387,500 | 4,320 |
| Average earning assets | $119,047,000 | 4,412 |
| Average equity | $11,272,000 | 5,035 |
| Average total loans | $104,413,000 | 3,921 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9255% | 5,921 |
| Cost of funding earning assets | 2.8310% | 2,580 |
| Net interest margin | 3.0945% | 6,664 |
| Noninterest income to average assets | 0.8578% | 2,176 |
| Noninterest expense to average assets | 4.0118% | 1,401 |
| Loan and lease loss provision to assets | 1.2124% | 1,184 |
| Net operating income to assets | -1.0008% | 7,252 |
| Return on assets (ROA) | -0.9934% | 7,165 |
| Pretax return on assets | -1.5568% | 7,286 |
| Return on Equity (ROE) | -11.8399% | 7,416 |
| Retained earnings to average equity (ytd only) | -16.5399% | 7,546 |
| Net charge-offs to loans | 0.9120% | 1,359 |
| Credit loss provision to net charge-offs | 177.8112% | 2,843 |
| Earnings coverage of net charge-offs (x) | -0.5221% | 6,490 |
| Efficiency ratio | 109.7378% | 709 |
| Assets per employee ($millions) | 2.3322% | 7,511 |
| Cash dividends to net income (ytd only)* | -39.6968% | 8,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 5,589 |
| Loan loss allowance to noncurrent loans | 55.4937% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 3.5588% | 1,242 |
| Noncurrent loans to loans | 1.8999% | 2,900 |
| Net loans and leases to total assets | 76.0390% | 2,612 |
| Net loans and leases to deposits | 83.2373% | 4,535 |
| Net loans and leases to core deposits | 96.8221% | 5,168 |
| Total domestic deposits to total assets | 91.3521% | 235 |
| Equity capital to assets | 8.3152% | 6,400 |
| Core capital (leverage) ratio | 7.5925% | 7,085 |
| Tier 1 risk-based capital ratio | 9.7524% | 7,015 |
| Total risk-based capital ratio | 11.7418% | 6,098 |
| Memoranda: | ||
| Average total assets | $146,070,600 | 3,971 |
| Average earning assets | $132,072,600 | 4,008 |
| Average equity | $12,255,200 | 4,766 |
| Average total loans | $109,209,800 | 3,698 |