Home > Visalia Community Bank > Performance and Condition Ratios
Visalia Community Bank, Performance and Condition Ratios
| 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 | 3.9225% | 4,390 |
| Cost of funding earning assets | 0.1813% | 6,566 |
| Net interest margin | 3.7412% | 2,800 |
| Noninterest income to average assets | 0.7441% | 2,442 |
| Noninterest expense to average assets | 5.3687% | 280 |
| Loan and lease loss provision to assets | 0.2980% | 1,216 |
| Net operating income to assets | -1.0361% | 6,761 |
| Return on assets (ROA) | -1.0361% | 6,765 |
| Pretax return on assets | -1.6002% | 6,813 |
| Return on Equity (ROE) | -11.2918% | 6,760 |
| Retained earnings to average equity (ytd only) | -11.2918% | 6,697 |
| Net charge-offs to loans | 1.1344% | 523 |
| Credit loss provision to net charge-offs | 43.2511% | 3,355 |
| Earnings coverage of net charge-offs (x) | -1.8897% | 4,764 |
| Efficiency ratio | 132.0216% | 117 |
| Assets per employee ($millions) | 3.0854% | 5,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2973% | 1,266 |
| Loan loss allowance to noncurrent loans | 59.0072% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 2.4161% | 1,758 |
| Noncurrent loans to loans | 3.8932% | 1,021 |
| Net loans and leases to total assets | 58.6261% | 3,885 |
| Net loans and leases to deposits | 66.4535% | 4,207 |
| Net loans and leases to core deposits | 68.2426% | 4,469 |
| Total domestic deposits to total assets | 88.2212% | 2,095 |
| Equity capital to assets | 8.9074% | 5,317 |
| Core capital (leverage) ratio | 8.2487% | 5,958 |
| Tier 1 risk-based capital ratio | 11.9863% | 5,800 |
| Total risk-based capital ratio | 13.2460% | 5,744 |
| Memoranda: | ||
| Average total assets | $199,973,670 | 3,072 |
| Average earning assets | $177,591,330 | 3,149 |
| Average equity | $18,349,670 | 3,414 |
| Average total loans | $121,470,000 | 3,040 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9731% | 4,228 |
| Cost of funding earning assets | 0.1923% | 6,616 |
| Net interest margin | 3.7808% | 2,520 |
| Noninterest income to average assets | 0.9820% | 1,516 |
| Noninterest expense to average assets | 4.0790% | 807 |
| Loan and lease loss provision to assets | 0.2922% | 1,200 |
| Net operating income to assets | 0.0298% | 6,295 |
| Return on assets (ROA) | 0.0298% | 6,376 |
| Pretax return on assets | -0.0278% | 6,430 |
| Return on Equity (ROE) | 0.3203% | 6,370 |
| Retained earnings to average equity (ytd only) | 0.3203% | 5,687 |
| Net charge-offs to loans | -0.0586% | 6,201 |
| Credit loss provision to net charge-offs | -816.6667% | 5,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9130% | 843 |
| Assets per employee ($millions) | 3.1667% | 5,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6730% | 942 |
| Loan loss allowance to noncurrent loans | 58.4031% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 3.0084% | 1,492 |
| Noncurrent loans to loans | 4.5768% | 901 |
| Net loans and leases to total assets | 58.8738% | 3,632 |
| Net loans and leases to deposits | 67.5271% | 3,832 |
| Net loans and leases to core deposits | 69.4749% | 4,142 |
| Total domestic deposits to total assets | 87.1855% | 2,845 |
| Equity capital to assets | 9.2451% | 5,204 |
| Core capital (leverage) ratio | 8.5699% | 5,477 |
| Tier 1 risk-based capital ratio | 12.4974% | 5,579 |
| Total risk-based capital ratio | 13.7620% | 5,521 |
| Memoranda: | ||
| Average total assets | $201,228,000 | 3,085 |
| Average earning assets | $178,905,000 | 3,165 |
| Average equity | $18,730,000 | 3,418 |
| Average total loans | $122,961,000 | 3,025 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1729% | 4,683 |
| Cost of funding earning assets | 0.2231% | 6,769 |
| Net interest margin | 3.9498% | 2,611 |
| Noninterest income to average assets | 1.0747% | 1,350 |
| Noninterest expense to average assets | 4.1235% | 837 |
| Loan and lease loss provision to assets | 0.4165% | 1,536 |
| Net operating income to assets | 0.0739% | 6,053 |
| Return on assets (ROA) | 0.0739% | 6,193 |
| Pretax return on assets | 0.0439% | 6,226 |
| Return on Equity (ROE) | 0.7866% | 6,170 |
| Retained earnings to average equity (ytd only) | 0.0744% | 5,795 |
| Net charge-offs to loans | 0.4377% | 2,486 |
| Credit loss provision to net charge-offs | 151.6364% | 1,794 |
| Earnings coverage of net charge-offs (x) | 1.6764% | 4,600 |
| Efficiency ratio | 89.9553% | 1,076 |
| Assets per employee ($millions) | 2.8955% | 6,158 |
| Cash dividends to net income (ytd only)* | 90.5405% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5234% | 1,103 |
| Loan loss allowance to noncurrent loans | 70.7112% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 2.4241% | 2,020 |
| Noncurrent loans to loans | 3.5686% | 1,384 |
| Net loans and leases to total assets | 60.1711% | 3,574 |
| Net loans and leases to deposits | 69.2796% | 3,796 |
| Net loans and leases to core deposits | 71.6041% | 4,090 |
| Total domestic deposits to total assets | 86.8525% | 2,910 |
| Equity capital to assets | 9.3715% | 5,038 |
| Core capital (leverage) ratio | 8.8784% | 5,064 |
| Tier 1 risk-based capital ratio | 12.9229% | 5,168 |
| Total risk-based capital ratio | 14.1856% | 5,097 |
| Memoranda: | ||
| Average total assets | $200,244,600 | 3,041 |
| Average earning assets | $177,908,600 | 3,119 |
| Average equity | $18,814,400 | 3,357 |
| Average total loans | $125,667,400 | 2,969 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1816% | 4,881 |
| Cost of funding earning assets | 0.2277% | 6,882 |
| Net interest margin | 3.9539% | 2,688 |
| Noninterest income to average assets | 1.0727% | 1,312 |
| Noninterest expense to average assets | 3.9288% | 1,035 |
| Loan and lease loss provision to assets | 0.4558% | 1,364 |
| Net operating income to assets | 0.1677% | 5,992 |
| Return on assets (ROA) | 0.1677% | 6,141 |
| Pretax return on assets | 0.2010% | 6,119 |
| Return on Equity (ROE) | 1.7836% | 6,078 |
| Retained earnings to average equity (ytd only) | 0.8352% | 5,831 |
| Net charge-offs to loans | 0.5059% | 2,092 |
| Credit loss provision to net charge-offs | 143.0063% | 2,008 |
| Earnings coverage of net charge-offs (x) | 2.0605% | 4,237 |
| Efficiency ratio | 85.6770% | 1,411 |
| Assets per employee ($millions) | 2.9040% | 6,213 |
| Cash dividends to net income (ytd only)* | 53.1742% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4234% | 1,313 |
| Loan loss allowance to noncurrent loans | 61.8980% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 2.6660% | 1,975 |
| Noncurrent loans to loans | 3.9151% | 1,321 |
| Net loans and leases to total assets | 60.9473% | 3,581 |
| Net loans and leases to deposits | 70.0691% | 3,887 |
| Net loans and leases to core deposits | 72.6385% | 4,178 |
| Total domestic deposits to total assets | 86.9818% | 2,681 |
| Equity capital to assets | 9.3950% | 5,343 |
| Core capital (leverage) ratio | 9.0331% | 5,011 |
| Tier 1 risk-based capital ratio | 12.8672% | 5,357 |
| Total risk-based capital ratio | 14.1287% | 5,311 |
| Memoranda: | ||
| Average total assets | $200,359,000 | 3,071 |
| Average earning assets | $178,012,250 | 3,160 |
| Average equity | $18,837,250 | 3,387 |
| Average total loans | $126,252,750 | 2,986 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 4,723 |
| Cost of funding earning assets | 0.2336% | 6,963 |
| Net interest margin | 4.0257% | 2,397 |
| Noninterest income to average assets | 1.0861% | 1,213 |
| Noninterest expense to average assets | 3.8711% | 1,117 |
| Loan and lease loss provision to assets | 0.2935% | 2,231 |
| Net operating income to assets | 0.3424% | 5,458 |
| Return on assets (ROA) | 0.3424% | 5,681 |
| Pretax return on assets | 0.4991% | 5,435 |
| Return on Equity (ROE) | 3.6409% | 5,424 |
| Retained earnings to average equity (ytd only) | 2.9297% | 4,684 |
| Net charge-offs to loans | -0.0079% | 6,239 |
| Credit loss provision to net charge-offs | -5,880.0000% | 6,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0051% | 1,747 |
| Assets per employee ($millions) | 2.9255% | 6,191 |
| Cash dividends to net income (ytd only)* | 19.5335% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4781% | 1,313 |
| Loan loss allowance to noncurrent loans | 77.8580% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 2.2704% | 2,466 |
| Noncurrent loans to loans | 3.1828% | 1,831 |
| Net loans and leases to total assets | 60.9429% | 3,634 |
| Net loans and leases to deposits | 69.9749% | 3,898 |
| Net loans and leases to core deposits | 72.8563% | 4,190 |
| Total domestic deposits to total assets | 87.0926% | 2,721 |
| Equity capital to assets | 9.3867% | 5,211 |
| Core capital (leverage) ratio | 9.0901% | 4,775 |
| Tier 1 risk-based capital ratio | 12.8559% | 5,291 |
| Total risk-based capital ratio | 14.1180% | 5,257 |
| Memoranda: | ||
| Average total assets | $200,354,330 | 3,077 |
| Average earning assets | $178,055,330 | 3,162 |
| Average equity | $18,841,330 | 3,371 |
| Average total loans | $126,618,670 | 2,990 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3046% | 4,717 |
| Cost of funding earning assets | 0.2438% | 7,020 |
| Net interest margin | 4.0609% | 2,253 |
| Noninterest income to average assets | 1.1222% | 1,121 |
| Noninterest expense to average assets | 3.8136% | 1,198 |
| Loan and lease loss provision to assets | 0.2906% | 2,142 |
| Net operating income to assets | 0.4188% | 5,175 |
| Return on assets (ROA) | 0.4188% | 5,369 |
| Pretax return on assets | 0.6232% | 5,036 |
| Return on Equity (ROE) | 4.4496% | 5,071 |
| Retained earnings to average equity (ytd only) | 4.4496% | 3,926 |
| Net charge-offs to loans | -0.0662% | 6,652 |
| Credit loss provision to net charge-offs | -690.4762% | 5,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6698% | 2,123 |
| Assets per employee ($millions) | 2.9307% | 6,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3352% | 1,617 |
| Loan loss allowance to noncurrent loans | 72.8756% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 2.3554% | 2,526 |
| Noncurrent loans to loans | 3.2044% | 2,005 |
| Net loans and leases to total assets | 61.9012% | 3,274 |
| Net loans and leases to deposits | 70.9924% | 3,591 |
| Net loans and leases to core deposits | 73.7927% | 3,921 |
| Total domestic deposits to total assets | 87.1941% | 2,832 |
| Equity capital to assets | 9.3270% | 5,055 |
| Core capital (leverage) ratio | 9.0412% | 4,775 |
| Tier 1 risk-based capital ratio | 12.4604% | 5,637 |
| Total risk-based capital ratio | 13.7208% | 5,591 |
| Memoranda: | ||
| Average total assets | $199,601,000 | 3,108 |
| Average earning assets | $177,204,000 | 3,189 |
| Average equity | $18,788,000 | 3,381 |
| Average total loans | $126,855,000 | 3,004 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8109% | 3,759 |
| Cost of funding earning assets | 0.4820% | 6,609 |
| Net interest margin | 4.3289% | 1,609 |
| Noninterest income to average assets | 1.1962% | 927 |
| Noninterest expense to average assets | 4.3467% | 688 |
| Loan and lease loss provision to assets | 0.3452% | 2,935 |
| Net operating income to assets | 0.2362% | 5,477 |
| Return on assets (ROA) | 0.2362% | 5,615 |
| Pretax return on assets | 0.3188% | 5,514 |
| Return on Equity (ROE) | 2.5118% | 5,473 |
| Retained earnings to average equity (ytd only) | 1.7895% | 4,940 |
| Net charge-offs to loans | 0.8892% | 1,954 |
| Credit loss provision to net charge-offs | 58.4048% | 5,213 |
| Earnings coverage of net charge-offs (x) | 1.1235% | 4,947 |
| Efficiency ratio | 86.7489% | 1,474 |
| Assets per employee ($millions) | 2.8548% | 6,368 |
| Cash dividends to net income (ytd only)* | 28.7554% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2511% | 1,709 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 2.5540% | 2,376 |
| Noncurrent loans to loans | 3.3766% | 1,914 |
| Net loans and leases to total assets | 62.2973% | 3,536 |
| Net loans and leases to deposits | 71.6663% | 3,853 |
| Net loans and leases to core deposits | 74.6460% | 4,154 |
| Total domestic deposits to total assets | 86.9268% | 2,805 |
| Equity capital to assets | 9.5008% | 4,891 |
| Core capital (leverage) ratio | 9.0113% | 4,765 |
| Tier 1 risk-based capital ratio | 12.4463% | 5,496 |
| Total risk-based capital ratio | 13.7053% | 5,467 |
| Memoranda: | ||
| Average total assets | $197,298,800 | 3,083 |
| Average earning assets | $173,855,200 | 3,174 |
| Average equity | $18,552,600 | 3,350 |
| Average total loans | $131,127,200 | 2,967 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8126% | 3,972 |
| Cost of funding earning assets | 0.4943% | 6,718 |
| Net interest margin | 4.3183% | 1,649 |
| Noninterest income to average assets | 1.2531% | 821 |
| Noninterest expense to average assets | 4.2996% | 716 |
| Loan and lease loss provision to assets | 0.1898% | 4,135 |
| Net operating income to assets | 0.3790% | 5,088 |
| Return on assets (ROA) | 0.3790% | 5,273 |
| Pretax return on assets | 0.5640% | 4,918 |
| Return on Equity (ROE) | 4.0405% | 4,974 |
| Retained earnings to average equity (ytd only) | 3.0754% | 4,497 |
| Net charge-offs to loans | 0.6208% | 2,391 |
| Credit loss provision to net charge-offs | 45.5429% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.8087% | 4,306 |
| Efficiency ratio | 85.0822% | 1,631 |
| Assets per employee ($millions) | 3.1261% | 5,845 |
| Cash dividends to net income (ytd only)* | 23.8857% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2384% | 1,797 |
| Loan loss allowance to noncurrent loans | 65.8402% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 2.9384% | 2,191 |
| Noncurrent loans to loans | 3.3998% | 2,032 |
| Net loans and leases to total assets | 65.9514% | 2,910 |
| Net loans and leases to deposits | 75.9026% | 3,343 |
| Net loans and leases to core deposits | 78.0663% | 3,903 |
| Total domestic deposits to total assets | 86.8895% | 2,720 |
| Equity capital to assets | 9.5475% | 5,013 |
| Core capital (leverage) ratio | 9.4045% | 4,298 |
| Tier 1 risk-based capital ratio | 12.1173% | 5,802 |
| Total risk-based capital ratio | 13.3762% | 5,791 |
| Memoranda: | ||
| Average total assets | $197,377,750 | 3,104 |
| Average earning assets | $173,706,250 | 3,185 |
| Average equity | $18,512,000 | 3,351 |
| Average total loans | $132,523,750 | 2,966 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7136% | 4,476 |
| Cost of funding earning assets | 0.5156% | 6,795 |
| Net interest margin | 4.1981% | 2,042 |
| Noninterest income to average assets | 1.2535% | 803 |
| Noninterest expense to average assets | 4.3448% | 705 |
| Loan and lease loss provision to assets | 0.1286% | 4,680 |
| Net operating income to assets | 0.3281% | 5,260 |
| Return on assets (ROA) | 0.3281% | 5,393 |
| Pretax return on assets | 0.4739% | 5,162 |
| Return on Equity (ROE) | 3.5189% | 5,162 |
| Retained earnings to average equity (ytd only) | 2.7912% | 4,506 |
| Net charge-offs to loans | 0.3897% | 3,003 |
| Credit loss provision to net charge-offs | 49.2248% | 4,601 |
| Earnings coverage of net charge-offs (x) | 2.3062% | 3,675 |
| Efficiency ratio | 87.8223% | 1,431 |
| Assets per employee ($millions) | 2.8161% | 6,446 |
| Cash dividends to net income (ytd only)* | 20.6790% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3919% | 1,606 |
| Loan loss allowance to noncurrent loans | 61.8677% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 3.3045% | 2,018 |
| Noncurrent loans to loans | 3.8661% | 1,797 |
| Net loans and leases to total assets | 66.7843% | 2,865 |
| Net loans and leases to deposits | 76.8402% | 3,318 |
| Net loans and leases to core deposits | 78.8995% | 3,947 |
| Total domestic deposits to total assets | 86.9133% | 2,790 |
| Equity capital to assets | 9.5928% | 4,668 |
| Core capital (leverage) ratio | 9.2136% | 4,380 |
| Tier 1 risk-based capital ratio | 12.0785% | 5,724 |
| Total risk-based capital ratio | 13.3394% | 5,684 |
| Memoranda: | ||
| Average total assets | $197,523,000 | 3,123 |
| Average earning assets | $173,794,330 | 3,205 |
| Average equity | $18,415,000 | 3,347 |
| Average total loans | $132,411,670 | 2,996 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5687% | 5,088 |
| Cost of funding earning assets | 0.5317% | 6,857 |
| Net interest margin | 4.0370% | 2,528 |
| Noninterest income to average assets | 1.2414% | 821 |
| Noninterest expense to average assets | 4.2666% | 747 |
| Loan and lease loss provision to assets | 0.1105% | 4,632 |
| Net operating income to assets | 0.2973% | 5,422 |
| Return on assets (ROA) | 0.2973% | 5,490 |
| Pretax return on assets | 0.4178% | 5,290 |
| Return on Equity (ROE) | 3.2345% | 5,268 |
| Retained earnings to average equity (ytd only) | 1.7702% | 5,057 |
| Net charge-offs to loans | 0.4601% | 2,314 |
| Credit loss provision to net charge-offs | 36.1842% | 4,017 |
| Earnings coverage of net charge-offs (x) | 1.7303% | 3,444 |
| Efficiency ratio | 88.9820% | 1,421 |
| Assets per employee ($millions) | 2.9194% | 6,312 |
| Cash dividends to net income (ytd only)* | 45.2703% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4733% | 1,497 |
| Loan loss allowance to noncurrent loans | 64.3129% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 3.1200% | 2,213 |
| Noncurrent loans to loans | 3.8457% | 1,910 |
| Net loans and leases to total assets | 62.0339% | 3,853 |
| Net loans and leases to deposits | 71.4568% | 4,141 |
| Net loans and leases to core deposits | 73.4452% | 4,602 |
| Total domestic deposits to total assets | 86.8130% | 3,047 |
| Equity capital to assets | 8.9758% | 5,237 |
| Core capital (leverage) ratio | 9.1193% | 4,419 |
| Tier 1 risk-based capital ratio | 12.3494% | 5,396 |
| Total risk-based capital ratio | 13.6112% | 5,377 |
| Memoranda: | ||
| Average total assets | $199,128,500 | 3,124 |
| Average earning assets | $175,279,000 | 3,216 |
| Average equity | $18,302,500 | 3,356 |
| Average total loans | $132,142,500 | 3,033 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9111% | 4,970 |
| Cost of funding earning assets | 0.6578% | 6,990 |
| Net interest margin | 4.2533% | 1,983 |
| Noninterest income to average assets | 1.4410% | 692 |
| Noninterest expense to average assets | 4.3733% | 746 |
| Loan and lease loss provision to assets | 0.6021% | 2,725 |
| Net operating income to assets | 0.1652% | 5,389 |
| Return on assets (ROA) | 0.1652% | 5,549 |
| Pretax return on assets | 0.2067% | 5,477 |
| Return on Equity (ROE) | 1.8311% | 5,456 |
| Retained earnings to average equity (ytd only) | 1.8311% | 4,584 |
| Net charge-offs to loans | 0.5178% | 3,550 |
| Credit loss provision to net charge-offs | 164.6154% | 2,095 |
| Earnings coverage of net charge-offs (x) | 2.2112% | 4,069 |
| Efficiency ratio | 84.3929% | 1,878 |
| Assets per employee ($millions) | 2.8514% | 6,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4654% | 1,449 |
| Loan loss allowance to noncurrent loans | 74.7911% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 2.9985% | 2,344 |
| Noncurrent loans to loans | 3.2964% | 2,298 |
| Net loans and leases to total assets | 67.5548% | 3,092 |
| Net loans and leases to deposits | 78.4516% | 3,442 |
| Net loans and leases to core deposits | 80.6122% | 4,115 |
| Total domestic deposits to total assets | 86.1101% | 3,301 |
| Equity capital to assets | 9.4185% | 4,521 |
| Core capital (leverage) ratio | 9.1334% | 4,296 |
| Tier 1 risk-based capital ratio | 11.9359% | 5,534 |
| Total risk-based capital ratio | 13.1978% | 5,499 |
| Memoranda: | ||
| Average total assets | $195,482,600 | 3,154 |
| Average earning assets | $171,937,400 | 3,245 |
| Average equity | $17,639,800 | 3,486 |
| Average total loans | $138,086,800 | 2,983 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8960% | 5,284 |
| Cost of funding earning assets | 0.6832% | 7,102 |
| Net interest margin | 4.2128% | 2,179 |
| Noninterest income to average assets | 1.4362% | 654 |
| Noninterest expense to average assets | 4.3570% | 700 |
| Loan and lease loss provision to assets | 0.8032% | 1,894 |
| Net operating income to assets | 0.0313% | 5,928 |
| Return on assets (ROA) | 0.0313% | 6,060 |
| Pretax return on assets | -0.0177% | 6,112 |
| Return on Equity (ROE) | 0.3508% | 6,041 |
| Retained earnings to average equity (ytd only) | 0.3508% | 5,650 |
| Net charge-offs to loans | 0.6463% | 2,814 |
| Credit loss provision to net charge-offs | 175.0742% | 2,106 |
| Earnings coverage of net charge-offs (x) | 1.7122% | 4,419 |
| Efficiency ratio | 84.7253% | 1,756 |
| Assets per employee ($millions) | 2.8196% | 6,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4958% | 1,333 |
| Loan loss allowance to noncurrent loans | 115.6897% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 2.3200% | 3,061 |
| Noncurrent loans to loans | 2.1573% | 3,502 |
| Net loans and leases to total assets | 66.4084% | 3,592 |
| Net loans and leases to deposits | 77.8110% | 3,861 |
| Net loans and leases to core deposits | 79.9038% | 4,533 |
| Total domestic deposits to total assets | 85.3459% | 3,437 |
| Equity capital to assets | 9.1285% | 5,411 |
| Core capital (leverage) ratio | 8.9018% | 4,846 |
| Tier 1 risk-based capital ratio | 11.6945% | 5,735 |
| Total risk-based capital ratio | 12.9569% | 5,697 |
| Memoranda: | ||
| Average total assets | $195,879,250 | 3,192 |
| Average earning assets | $172,326,000 | 3,281 |
| Average equity | $17,484,250 | 3,557 |
| Average total loans | $139,034,250 | 3,003 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9256% | 5,286 |
| Cost of funding earning assets | 0.7088% | 7,176 |
| Net interest margin | 4.2168% | 2,103 |
| Noninterest income to average assets | 1.4536% | 599 |
| Noninterest expense to average assets | 4.4221% | 630 |
| Loan and lease loss provision to assets | 1.0492% | 1,385 |
| Net operating income to assets | -0.1402% | 6,276 |
| Return on assets (ROA) | -0.1402% | 6,347 |
| Pretax return on assets | -0.3091% | 6,437 |
| Return on Equity (ROE) | -1.5832% | 6,385 |
| Retained earnings to average equity (ytd only) | -1.5832% | 6,082 |
| Net charge-offs to loans | 0.8053% | 2,235 |
| Credit loss provision to net charge-offs | 181.0954% | 2,169 |
| Earnings coverage of net charge-offs (x) | 1.2774% | 4,548 |
| Efficiency ratio | 85.6633% | 1,756 |
| Assets per employee ($millions) | 2.7214% | 6,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4317% | 1,395 |
| Loan loss allowance to noncurrent loans | 76.5032% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 3.0565% | 2,330 |
| Noncurrent loans to loans | 3.1786% | 2,519 |
| Net loans and leases to total assets | 67.7391% | 3,446 |
| Net loans and leases to deposits | 79.1895% | 3,758 |
| Net loans and leases to core deposits | 81.1514% | 4,535 |
| Total domestic deposits to total assets | 85.5405% | 3,352 |
| Equity capital to assets | 9.0977% | 5,299 |
| Core capital (leverage) ratio | 8.8027% | 4,910 |
| Tier 1 risk-based capital ratio | 11.3520% | 5,906 |
| Total risk-based capital ratio | 12.6168% | 5,872 |
| Memoranda: | ||
| Average total assets | $195,382,000 | 3,231 |
| Average earning assets | $171,836,330 | 3,310 |
| Average equity | $17,306,670 | 3,583 |
| Average total loans | $140,570,330 | 2,999 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9382% | 5,276 |
| Cost of funding earning assets | 0.7525% | 7,224 |
| Net interest margin | 4.1857% | 2,106 |
| Noninterest income to average assets | 1.4372% | 584 |
| Noninterest expense to average assets | 4.4592% | 606 |
| Loan and lease loss provision to assets | 1.4413% | 821 |
| Net operating income to assets | -0.4141% | 6,772 |
| Return on assets (ROA) | -0.4141% | 6,805 |
| Pretax return on assets | -0.7914% | 6,944 |
| Return on Equity (ROE) | -4.7398% | 6,869 |
| Retained earnings to average equity (ytd only) | -4.7398% | 6,568 |
| Net charge-offs to loans | 1.3386% | 1,285 |
| Credit loss provision to net charge-offs | 147.0711% | 2,420 |
| Earnings coverage of net charge-offs (x) | 0.6632% | 4,435 |
| Efficiency ratio | 87.2793% | 1,657 |
| Assets per employee ($millions) | 2.7169% | 6,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1659% | 1,822 |
| Loan loss allowance to noncurrent loans | 79.8857% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 2.7784% | 2,618 |
| Noncurrent loans to loans | 2.7112% | 2,952 |
| Net loans and leases to total assets | 70.9835% | 2,703 |
| Net loans and leases to deposits | 82.7794% | 3,143 |
| Net loans and leases to core deposits | 85.2818% | 3,995 |
| Total domestic deposits to total assets | 85.7501% | 3,283 |
| Equity capital to assets | 9.0652% | 5,181 |
| Core capital (leverage) ratio | 8.6521% | 5,108 |
| Tier 1 risk-based capital ratio | 10.6113% | 6,526 |
| Total risk-based capital ratio | 11.8698% | 6,516 |
| Memoranda: | ||
| Average total assets | $195,103,000 | 3,287 |
| Average earning assets | $171,154,000 | 3,384 |
| Average equity | $17,047,000 | 3,645 |
| Average total loans | $142,837,500 | 3,026 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1500% | 5,878 |
| Cost of funding earning assets | 1.0778% | 7,038 |
| Net interest margin | 4.0721% | 2,558 |
| Noninterest income to average assets | 1.4428% | 701 |
| Noninterest expense to average assets | 4.2102% | 1,089 |
| Loan and lease loss provision to assets | 1.8528% | 1,214 |
| Net operating income to assets | -0.5651% | 6,241 |
| Return on assets (ROA) | -0.5677% | 6,238 |
| Pretax return on assets | -1.0438% | 6,440 |
| Return on Equity (ROE) | -6.7463% | 6,367 |
| Retained earnings to average equity (ytd only) | -7.3115% | 6,273 |
| Net charge-offs to loans | 2.3636% | 973 |
| Credit loss provision to net charge-offs | 109.5294% | 5,031 |
| Earnings coverage of net charge-offs (x) | 0.4806% | 5,626 |
| Efficiency ratio | 83.8150% | 2,372 |
| Assets per employee ($millions) | 2.7799% | 6,695 |
| Cash dividends to net income (ytd only)* | -8.3774% | 7,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9820% | 2,073 |
| Loan loss allowance to noncurrent loans | 64.0513% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 2.6805% | 2,620 |
| Noncurrent loans to loans | 3.0943% | 2,467 |
| Net loans and leases to total assets | 72.4071% | 2,664 |
| Net loans and leases to deposits | 85.7679% | 2,953 |
| Net loans and leases to core deposits | 101.1174% | 3,887 |
| Total domestic deposits to total assets | 84.4221% | 3,832 |
| Equity capital to assets | 8.4079% | 6,047 |
| Core capital (leverage) ratio | 8.1464% | 5,920 |
| Tier 1 risk-based capital ratio | 10.1089% | 6,783 |
| Total risk-based capital ratio | 11.3655% | 6,743 |
| Memoranda: | ||
| Average total assets | $199,753,400 | 3,183 |
| Average earning assets | $175,632,600 | 3,275 |
| Average equity | $16,809,200 | 3,711 |
| Average total loans | $142,958,400 | 3,038 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1131% | 6,218 |
| Cost of funding earning assets | 1.1408% | 7,064 |
| Net interest margin | 3.9723% | 2,935 |
| Noninterest income to average assets | 1.3960% | 781 |
| Noninterest expense to average assets | 4.1622% | 1,071 |
| Loan and lease loss provision to assets | 2.1043% | 836 |
| Net operating income to assets | -0.7540% | 6,650 |
| Return on assets (ROA) | -0.7574% | 6,662 |
| Pretax return on assets | -1.3794% | 6,903 |
| Return on Equity (ROE) | -8.9983% | 6,812 |
| Retained earnings to average equity (ytd only) | -9.7469% | 6,784 |
| Net charge-offs to loans | 1.6858% | 1,201 |
| Credit loss provision to net charge-offs | 175.7895% | 2,625 |
| Earnings coverage of net charge-offs (x) | 0.6100% | 5,418 |
| Efficiency ratio | 85.0752% | 2,175 |
| Assets per employee ($millions) | 2.7433% | 6,749 |
| Cash dividends to net income (ytd only)* | -8.3185% | 7,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6666% | 909 |
| Loan loss allowance to noncurrent loans | 139.2423% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 1.8227% | 3,616 |
| Noncurrent loans to loans | 1.9151% | 3,753 |
| Net loans and leases to total assets | 70.0519% | 3,502 |
| Net loans and leases to deposits | 82.4693% | 3,925 |
| Net loans and leases to core deposits | 97.8908% | 4,616 |
| Total domestic deposits to total assets | 84.9429% | 3,267 |
| Equity capital to assets | 8.0615% | 6,787 |
| Core capital (leverage) ratio | 7.9689% | 6,412 |
| Tier 1 risk-based capital ratio | 9.9742% | 7,009 |
| Total risk-based capital ratio | 11.2386% | 6,952 |
| Memoranda: | ||
| Average total assets | $201,044,250 | 3,194 |
| Average earning assets | $176,952,750 | 3,275 |
| Average equity | $16,921,250 | 3,718 |
| Average total loans | $142,761,500 | 3,068 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0989% | 6,446 |
| Cost of funding earning assets | 1.2000% | 7,103 |
| Net interest margin | 3.8989% | 3,118 |
| Noninterest income to average assets | 1.3823% | 799 |
| Noninterest expense to average assets | 4.1808% | 1,092 |
| Loan and lease loss provision to assets | 1.8114% | 909 |
| Net operating income to assets | -0.6506% | 6,704 |
| Return on assets (ROA) | -0.6557% | 6,718 |
| Pretax return on assets | -1.2066% | 6,944 |
| Return on Equity (ROE) | -7.6812% | 6,868 |
| Retained earnings to average equity (ytd only) | -8.7919% | 6,751 |
| Net charge-offs to loans | 2.2252% | 814 |
| Credit loss provision to net charge-offs | 115.1650% | 4,021 |
| Earnings coverage of net charge-offs (x) | 0.3896% | 5,298 |
| Efficiency ratio | 87.2163% | 2,106 |
| Assets per employee ($millions) | 2.6319% | 6,997 |
| Cash dividends to net income (ytd only)* | -14.4597% | 7,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9157% | 1,755 |
| Loan loss allowance to noncurrent loans | 70.8216% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 2.5212% | 2,553 |
| Noncurrent loans to loans | 2.7050% | 2,663 |
| Net loans and leases to total assets | 70.8244% | 3,509 |
| Net loans and leases to deposits | 83.7915% | 3,921 |
| Net loans and leases to core deposits | 101.4952% | 4,345 |
| Total domestic deposits to total assets | 84.5246% | 3,489 |
| Equity capital to assets | 8.4239% | 6,161 |
| Core capital (leverage) ratio | 8.3524% | 5,708 |
| Tier 1 risk-based capital ratio | 10.2203% | 6,687 |
| Total risk-based capital ratio | 11.4760% | 6,611 |
| Memoranda: | ||
| Average total assets | $200,392,000 | 3,220 |
| Average earning assets | $175,332,000 | 3,323 |
| Average equity | $17,106,670 | 3,690 |
| Average total loans | $141,648,000 | 3,115 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0385% | 6,836 |
| Cost of funding earning assets | 1.2795% | 7,082 |
| Net interest margin | 3.7590% | 3,621 |
| Noninterest income to average assets | 1.3441% | 792 |
| Noninterest expense to average assets | 4.1680% | 978 |
| Loan and lease loss provision to assets | 2.9934% | 362 |
| Net operating income to assets | -1.4257% | 7,465 |
| Return on assets (ROA) | -1.4359% | 7,485 |
| Pretax return on assets | -2.5347% | 7,669 |
| Return on Equity (ROE) | -16.7102% | 7,665 |
| Retained earnings to average equity (ytd only) | -18.9150% | 7,612 |
| Net charge-offs to loans | 0.4706% | 2,269 |
| Credit loss provision to net charge-offs | 909.6970% | 676 |
| Earnings coverage of net charge-offs (x) | 1.4424% | 4,014 |
| Efficiency ratio | 89.7766% | 1,736 |
| Assets per employee ($millions) | 2.6956% | 6,897 |
| Cash dividends to net income (ytd only)* | -13.1944% | 8,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7902% | 587 |
| Loan loss allowance to noncurrent loans | 71.5423% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 3.0951% | 1,823 |
| Noncurrent loans to loans | 3.9001% | 1,567 |
| Net loans and leases to total assets | 65.7098% | 4,652 |
| Net loans and leases to deposits | 77.4754% | 5,009 |
| Net loans and leases to core deposits | 93.3719% | 5,221 |
| Total domestic deposits to total assets | 84.8137% | 3,295 |
| Equity capital to assets | 8.2091% | 6,525 |
| Core capital (leverage) ratio | 8.4014% | 5,715 |
| Tier 1 risk-based capital ratio | 10.5546% | 6,337 |
| Total risk-based capital ratio | 11.8197% | 6,239 |
| Memoranda: | ||
| Average total assets | $200,574,500 | 3,238 |
| Average earning assets | $176,003,500 | 3,341 |
| Average equity | $17,235,000 | 3,689 |
| Average total loans | $140,254,500 | 3,163 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7345% | 1,918 |
| Cost of funding earning assets | 1.3100% | 7,841 |
| Net interest margin | 5.4245% | 229 |
| Noninterest income to average assets | 1.5977% | 547 |
| Noninterest expense to average assets | 4.5042% | 877 |
| Loan and lease loss provision to assets | 0.5987% | 2,432 |
| Net operating income to assets | 0.7469% | 3,687 |
| Return on assets (ROA) | 0.7469% | 3,526 |
| Pretax return on assets | 1.1707% | 2,765 |
| Return on Equity (ROE) | 8.1962% | 2,980 |
| Retained earnings to average equity (ytd only) | 5.0203% | 2,016 |
| Net charge-offs to loans | 0.2050% | 4,153 |
| Credit loss provision to net charge-offs | 397.2125% | 1,109 |
| Earnings coverage of net charge-offs (x) | 11.7387% | 2,340 |
| Efficiency ratio | 71.7957% | 3,976 |
| Assets per employee ($millions) | 2.4846% | 7,225 |
| Cash dividends to net income (ytd only)* | 38.7482% | 3,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7800% | 1,676 |
| Loan loss allowance to noncurrent loans | 68.2874% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 2.2886% | 2,128 |
| Noncurrent loans to loans | 2.6066% | 2,078 |
| Net loans and leases to total assets | 71.0709% | 3,772 |
| Net loans and leases to deposits | 85.0012% | 4,251 |
| Net loans and leases to core deposits | 100.6712% | 4,757 |
| Total domestic deposits to total assets | 83.6117% | 3,526 |
| Equity capital to assets | 8.9933% | 5,373 |
| Core capital (leverage) ratio | 8.7964% | 5,038 |
| Tier 1 risk-based capital ratio | 10.6018% | 6,097 |
| Total risk-based capital ratio | 11.8552% | 5,996 |
| Memoranda: | ||
| Average total assets | $190,398,000 | 3,265 |
| Average earning assets | $164,126,200 | 3,413 |
| Average equity | $17,349,400 | 3,676 |
| Average total loans | $139,994,800 | 3,099 |