Home > Vision Bank > Performance and Condition Ratios
Vision Bank, Performance and Condition Ratios
| 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 | 4.9349% | 3,182 |
| Cost of funding earning assets | 0.7035% | 5,518 |
| Net interest margin | 4.2314% | 1,958 |
| Noninterest income to average assets | 0.1937% | 6,116 |
| Noninterest expense to average assets | 4.3108% | 711 |
| Loan and lease loss provision to assets | 4.2066% | 43 |
| Net operating income to assets | -3.6261% | 7,233 |
| Return on assets (ROA) | -3.0733% | 7,186 |
| Pretax return on assets | -3.9205% | 7,268 |
| Return on Equity (ROE) | -19.6460% | 6,979 |
| Retained earnings to average equity (ytd only) | -19.6460% | 6,964 |
| Net charge-offs to loans | 13.2076% | 2 |
| Credit loss provision to net charge-offs | 40.6066% | 5,615 |
| Earnings coverage of net charge-offs (x) | -0.0408% | 5,856 |
| Efficiency ratio | 100.4176% | 655 |
| Assets per employee ($millions) | 3.5492% | 4,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8367% | 197 |
| Loan loss allowance to noncurrent loans | 24.0521% | 6,471 |
| Noncurrent assets plus other real estate owned to assets | 15.1769% | 112 |
| Noncurrent loans to loans | 20.1093% | 49 |
| Net loans and leases to total assets | 71.8219% | 1,677 |
| Net loans and leases to deposits | 88.0824% | 1,368 |
| Net loans and leases to core deposits | 101.1767% | 1,081 |
| Total domestic deposits to total assets | 81.5394% | 5,281 |
| Equity capital to assets | 17.0247% | 439 |
| Core capital (leverage) ratio | 15.8861% | 475 |
| Tier 1 risk-based capital ratio | 23.4194% | 1,044 |
| Total risk-based capital ratio | 24.7171% | 1,016 |
| Memoranda: | ||
| Average total assets | $732,967,600 | 893 |
| Average earning assets | $639,950,000 | 925 |
| Average equity | $114,659,400 | 603 |
| Average total loans | $574,902,400 | 735 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8556% | 3,758 |
| Cost of funding earning assets | 0.7215% | 5,646 |
| Net interest margin | 4.1341% | 2,334 |
| Noninterest income to average assets | 0.0930% | 6,782 |
| Noninterest expense to average assets | 4.0491% | 951 |
| Loan and lease loss provision to assets | 3.9894% | 63 |
| Net operating income to assets | -2.8186% | 7,249 |
| Return on assets (ROA) | -2.6082% | 7,240 |
| Pretax return on assets | -4.0361% | 7,335 |
| Return on Equity (ROE) | -16.9985% | 7,051 |
| Retained earnings to average equity (ytd only) | -16.9985% | 7,030 |
| Net charge-offs to loans | 11.1918% | 11 |
| Credit loss provision to net charge-offs | 45.0769% | 5,141 |
| Earnings coverage of net charge-offs (x) | -0.0419% | 5,629 |
| Efficiency ratio | 102.4165% | 595 |
| Assets per employee ($millions) | 3.7029% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5541% | 36 |
| Loan loss allowance to noncurrent loans | 39.1390% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 15.4191% | 121 |
| Noncurrent loans to loans | 19.3007% | 63 |
| Net loans and leases to total assets | 73.3218% | 1,451 |
| Net loans and leases to deposits | 93.6164% | 871 |
| Net loans and leases to core deposits | 104.8678% | 924 |
| Total domestic deposits to total assets | 78.3215% | 6,130 |
| Equity capital to assets | 17.4559% | 443 |
| Core capital (leverage) ratio | 15.5020% | 577 |
| Tier 1 risk-based capital ratio | 21.0151% | 1,451 |
| Total risk-based capital ratio | 22.3488% | 1,413 |
| Memoranda: | ||
| Average total assets | $752,945,250 | 879 |
| Average earning assets | $653,053,000 | 914 |
| Average equity | $115,529,000 | 601 |
| Average total loans | $595,408,750 | 710 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8897% | 3,670 |
| Cost of funding earning assets | 0.7172% | 5,851 |
| Net interest margin | 4.1725% | 2,151 |
| Noninterest income to average assets | -0.3857% | 7,403 |
| Noninterest expense to average assets | 4.0574% | 962 |
| Loan and lease loss provision to assets | 4.0398% | 72 |
| Net operating income to assets | -3.1701% | 7,321 |
| Return on assets (ROA) | -2.8627% | 7,301 |
| Pretax return on assets | -4.4296% | 7,414 |
| Return on Equity (ROE) | -19.4570% | 7,146 |
| Retained earnings to average equity (ytd only) | -19.4570% | 7,129 |
| Net charge-offs to loans | 12.2155% | 10 |
| Credit loss provision to net charge-offs | 41.8581% | 4,778 |
| Earnings coverage of net charge-offs (x) | -0.0894% | 5,338 |
| Efficiency ratio | 118.4225% | 356 |
| Assets per employee ($millions) | 3.7117% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3605% | 28 |
| Loan loss allowance to noncurrent loans | 39.8559% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 16.6970% | 111 |
| Noncurrent loans to loans | 20.9768% | 50 |
| Net loans and leases to total assets | 70.1113% | 2,198 |
| Net loans and leases to deposits | 89.0872% | 1,368 |
| Net loans and leases to core deposits | 99.7519% | 1,364 |
| Total domestic deposits to total assets | 78.6996% | 6,148 |
| Equity capital to assets | 16.1244% | 599 |
| Core capital (leverage) ratio | 14.2901% | 807 |
| Tier 1 risk-based capital ratio | 19.4235% | 1,731 |
| Total risk-based capital ratio | 20.7653% | 1,687 |
| Memoranda: | ||
| Average total assets | $773,113,000 | 865 |
| Average earning assets | $663,393,330 | 910 |
| Average equity | $113,748,000 | 613 |
| Average total loans | $610,812,330 | 699 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7761% | 4,170 |
| Cost of funding earning assets | 0.7798% | 5,673 |
| Net interest margin | 3.9964% | 2,695 |
| Noninterest income to average assets | -0.6681% | 7,514 |
| Noninterest expense to average assets | 3.7568% | 1,427 |
| Loan and lease loss provision to assets | 4.3525% | 89 |
| Net operating income to assets | -3.4648% | 7,423 |
| Return on assets (ROA) | -3.4648% | 7,426 |
| Pretax return on assets | -5.3586% | 7,491 |
| Return on Equity (ROE) | -24.6543% | 7,274 |
| Retained earnings to average equity (ytd only) | -24.6543% | 7,236 |
| Net charge-offs to loans | 3.1941% | 333 |
| Credit loss provision to net charge-offs | 169.9605% | 1,702 |
| Earnings coverage of net charge-offs (x) | -0.3929% | 4,763 |
| Efficiency ratio | 126.8261% | 284 |
| Assets per employee ($millions) | 3.9391% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.5640% | 13 |
| Loan loss allowance to noncurrent loans | 44.3710% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 23.5867% | 35 |
| Noncurrent loans to loans | 26.0620% | 28 |
| Net loans and leases to total assets | 70.3558% | 2,063 |
| Net loans and leases to deposits | 92.8797% | 931 |
| Net loans and leases to core deposits | 105.5097% | 964 |
| Total domestic deposits to total assets | 75.7494% | 6,703 |
| Equity capital to assets | 14.2442% | 938 |
| Core capital (leverage) ratio | 9.3197% | 4,097 |
| Tier 1 risk-based capital ratio | 12.1493% | 5,550 |
| Total risk-based capital ratio | 13.5375% | 5,445 |
| Memoranda: | ||
| Average total assets | $790,354,500 | 852 |
| Average earning assets | $676,112,500 | 903 |
| Average equity | $111,072,000 | 620 |
| Average total loans | $633,664,000 | 677 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0347% | 4,392 |
| Cost of funding earning assets | 1.2758% | 4,047 |
| Net interest margin | 3.7589% | 4,112 |
| Noninterest income to average assets | -0.7044% | 7,592 |
| Noninterest expense to average assets | 3.6999% | 1,697 |
| Loan and lease loss provision to assets | 7.1843% | 25 |
| Net operating income to assets | -5.3131% | 7,557 |
| Return on assets (ROA) | -5.3131% | 7,563 |
| Pretax return on assets | -8.3283% | 7,626 |
| Return on Equity (ROE) | -40.0985% | 7,350 |
| Retained earnings to average equity (ytd only) | -40.0985% | 7,343 |
| Net charge-offs to loans | 5.5120% | 128 |
| Credit loss provision to net charge-offs | 167.9760% | 2,024 |
| Earnings coverage of net charge-offs (x) | -0.2675% | 6,338 |
| Efficiency ratio | 135.0590% | 280 |
| Assets per employee ($millions) | 3.8678% | 4,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.7617% | 18 |
| Loan loss allowance to noncurrent loans | 40.1226% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 25.8721% | 23 |
| Noncurrent loans to loans | 26.8219% | 25 |
| Net loans and leases to total assets | 72.0954% | 2,085 |
| Net loans and leases to deposits | 90.2666% | 1,486 |
| Net loans and leases to core deposits | 106.3253% | 1,169 |
| Total domestic deposits to total assets | 79.8694% | 5,871 |
| Equity capital to assets | 13.8640% | 1,079 |
| Core capital (leverage) ratio | 9.1240% | 4,311 |
| Tier 1 risk-based capital ratio | 11.7464% | 5,694 |
| Total risk-based capital ratio | 13.1201% | 5,588 |
| Memoranda: | ||
| Average total assets | $854,743,800 | 791 |
| Average earning assets | $741,360,000 | 828 |
| Average equity | $113,253,600 | 593 |
| Average total loans | $663,226,400 | 657 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0759% | 4,446 |
| Cost of funding earning assets | 1.3789% | 3,715 |
| Net interest margin | 3.6970% | 4,410 |
| Noninterest income to average assets | -0.1137% | 7,549 |
| Noninterest expense to average assets | 3.6498% | 1,671 |
| Loan and lease loss provision to assets | 4.2485% | 134 |
| Net operating income to assets | -2.9920% | 7,448 |
| Return on assets (ROA) | -2.9920% | 7,458 |
| Pretax return on assets | -4.7977% | 7,624 |
| Return on Equity (ROE) | -22.8221% | 7,275 |
| Retained earnings to average equity (ytd only) | -22.8221% | 7,263 |
| Net charge-offs to loans | 5.4268% | 140 |
| Credit loss provision to net charge-offs | 101.8512% | 4,230 |
| Earnings coverage of net charge-offs (x) | -0.1316% | 6,133 |
| Efficiency ratio | 109.8532% | 527 |
| Assets per employee ($millions) | 4.0290% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8351% | 69 |
| Loan loss allowance to noncurrent loans | 32.1335% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 21.7113% | 41 |
| Noncurrent loans to loans | 21.2710% | 61 |
| Net loans and leases to total assets | 72.5267% | 2,121 |
| Net loans and leases to deposits | 93.2957% | 1,281 |
| Net loans and leases to core deposits | 110.6517% | 1,001 |
| Total domestic deposits to total assets | 77.7385% | 6,312 |
| Equity capital to assets | 14.3665% | 1,058 |
| Core capital (leverage) ratio | 12.8642% | 1,280 |
| Tier 1 risk-based capital ratio | 16.3096% | 2,633 |
| Total risk-based capital ratio | 17.6270% | 2,556 |
| Memoranda: | ||
| Average total assets | $870,205,250 | 776 |
| Average earning assets | $756,597,500 | 808 |
| Average equity | $114,085,250 | 584 |
| Average total loans | $668,888,000 | 656 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1020% | 4,443 |
| Cost of funding earning assets | 1.5066% | 3,222 |
| Net interest margin | 3.5954% | 4,835 |
| Noninterest income to average assets | -0.1376% | 7,651 |
| Noninterest expense to average assets | 3.6534% | 1,660 |
| Loan and lease loss provision to assets | 4.5861% | 140 |
| Net operating income to assets | -3.2266% | 7,537 |
| Return on assets (ROA) | -3.2266% | 7,542 |
| Pretax return on assets | -5.2426% | 7,689 |
| Return on Equity (ROE) | -25.3827% | 7,376 |
| Retained earnings to average equity (ytd only) | -25.3827% | 7,360 |
| Net charge-offs to loans | 4.6338% | 241 |
| Credit loss provision to net charge-offs | 129.2800% | 3,116 |
| Earnings coverage of net charge-offs (x) | -0.1851% | 5,863 |
| Efficiency ratio | 113.8788% | 494 |
| Assets per employee ($millions) | 4.0151% | 3,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2447% | 51 |
| Loan loss allowance to noncurrent loans | 29.9803% | 6,367 |
| Noncurrent assets plus other real estate owned to assets | 23.0774% | 33 |
| Noncurrent loans to loans | 24.1647% | 35 |
| Net loans and leases to total assets | 72.1730% | 2,354 |
| Net loans and leases to deposits | 92.5605% | 1,446 |
| Net loans and leases to core deposits | 112.1307% | 1,026 |
| Total domestic deposits to total assets | 77.9739% | 6,275 |
| Equity capital to assets | 14.6093% | 974 |
| Core capital (leverage) ratio | 13.1807% | 1,147 |
| Tier 1 risk-based capital ratio | 16.5184% | 2,462 |
| Total risk-based capital ratio | 17.8405% | 2,394 |
| Memoranda: | ||
| Average total assets | $880,932,330 | 764 |
| Average earning assets | $767,979,000 | 798 |
| Average equity | $111,982,000 | 588 |
| Average total loans | $674,390,000 | 649 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1496% | 4,299 |
| Cost of funding earning assets | 1.5870% | 3,036 |
| Net interest margin | 3.5626% | 4,892 |
| Noninterest income to average assets | 0.0742% | 7,336 |
| Noninterest expense to average assets | 3.5470% | 1,856 |
| Loan and lease loss provision to assets | 5.0799% | 153 |
| Net operating income to assets | -3.3519% | 7,666 |
| Return on assets (ROA) | -3.3519% | 7,665 |
| Pretax return on assets | -5.4454% | 7,784 |
| Return on Equity (ROE) | -28.4267% | 7,545 |
| Retained earnings to average equity (ytd only) | -28.4267% | 7,513 |
| Net charge-offs to loans | 5.3778% | 216 |
| Credit loss provision to net charge-offs | 124.3808% | 2,823 |
| Earnings coverage of net charge-offs (x) | -0.0895% | 5,091 |
| Efficiency ratio | 103.9989% | 731 |
| Assets per employee ($millions) | 4.1391% | 3,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8651% | 63 |
| Loan loss allowance to noncurrent loans | 30.0535% | 6,398 |
| Noncurrent assets plus other real estate owned to assets | 21.4507% | 45 |
| Noncurrent loans to loans | 22.8428% | 51 |
| Net loans and leases to total assets | 71.2487% | 2,633 |
| Net loans and leases to deposits | 91.4112% | 1,694 |
| Net loans and leases to core deposits | 112.3933% | 1,137 |
| Total domestic deposits to total assets | 77.9431% | 6,327 |
| Equity capital to assets | 12.0051% | 2,044 |
| Core capital (leverage) ratio | 10.8507% | 2,334 |
| Tier 1 risk-based capital ratio | 13.6042% | 3,924 |
| Total risk-based capital ratio | 14.9194% | 3,838 |
| Memoranda: | ||
| Average total assets | $889,774,000 | 777 |
| Average earning assets | $776,053,500 | 807 |
| Average equity | $104,915,500 | 632 |
| Average total loans | $675,737,500 | 670 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2628% | 5,355 |
| Cost of funding earning assets | 2.0665% | 2,646 |
| Net interest margin | 3.1963% | 6,111 |
| Noninterest income to average assets | -0.2249% | 7,867 |
| Noninterest expense to average assets | 3.1171% | 3,668 |
| Loan and lease loss provision to assets | 4.9193% | 203 |
| Net operating income to assets | -3.3338% | 7,470 |
| Return on assets (ROA) | -3.3338% | 7,467 |
| Pretax return on assets | -5.4180% | 7,751 |
| Return on Equity (ROE) | -29.0906% | 7,389 |
| Retained earnings to average equity (ytd only) | -29.0906% | 7,370 |
| Net charge-offs to loans | 4.2105% | 371 |
| Credit loss provision to net charge-offs | 153.5564% | 2,984 |
| Earnings coverage of net charge-offs (x) | -0.1557% | 6,397 |
| Efficiency ratio | 110.0808% | 795 |
| Assets per employee ($millions) | 4.2155% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5119% | 81 |
| Loan loss allowance to noncurrent loans | 27.6193% | 6,627 |
| Noncurrent assets plus other real estate owned to assets | 21.6977% | 41 |
| Noncurrent loans to loans | 23.5775% | 44 |
| Net loans and leases to total assets | 70.4893% | 3,134 |
| Net loans and leases to deposits | 91.9053% | 1,910 |
| Net loans and leases to core deposits | 132.4320% | 1,146 |
| Total domestic deposits to total assets | 76.6977% | 6,549 |
| Equity capital to assets | 11.5813% | 2,259 |
| Core capital (leverage) ratio | 10.7727% | 2,368 |
| Tier 1 risk-based capital ratio | 13.1456% | 4,052 |
| Total risk-based capital ratio | 14.4560% | 3,959 |
| Memoranda: | ||
| Average total assets | $903,179,400 | 747 |
| Average earning assets | $803,424,200 | 759 |
| Average equity | $103,504,400 | 630 |
| Average total loans | $687,190,400 | 678 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3324% | 5,260 |
| Cost of funding earning assets | 2.1355% | 2,725 |
| Net interest margin | 3.1969% | 6,034 |
| Noninterest income to average assets | 0.2995% | 6,077 |
| Noninterest expense to average assets | 3.0777% | 3,735 |
| Loan and lease loss provision to assets | 4.1908% | 266 |
| Net operating income to assets | -2.5273% | 7,473 |
| Return on assets (ROA) | -2.5273% | 7,472 |
| Pretax return on assets | -4.1128% | 7,705 |
| Return on Equity (ROE) | -22.1114% | 7,445 |
| Retained earnings to average equity (ytd only) | -22.1114% | 7,413 |
| Net charge-offs to loans | 3.6989% | 395 |
| Credit loss provision to net charge-offs | 148.5759% | 3,246 |
| Earnings coverage of net charge-offs (x) | 0.0276% | 6,025 |
| Efficiency ratio | 90.1018% | 1,681 |
| Assets per employee ($millions) | 4.1226% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5573% | 103 |
| Loan loss allowance to noncurrent loans | 30.3591% | 6,436 |
| Noncurrent assets plus other real estate owned to assets | 18.9269% | 59 |
| Noncurrent loans to loans | 18.3052% | 85 |
| Net loans and leases to total assets | 73.6668% | 2,629 |
| Net loans and leases to deposits | 90.3880% | 2,506 |
| Net loans and leases to core deposits | 138.0681% | 1,008 |
| Total domestic deposits to total assets | 81.5007% | 4,877 |
| Equity capital to assets | 12.6278% | 1,868 |
| Core capital (leverage) ratio | 11.4650% | 2,092 |
| Tier 1 risk-based capital ratio | 13.8439% | 3,633 |
| Total risk-based capital ratio | 15.1445% | 3,551 |
| Memoranda: | ||
| Average total assets | $904,496,500 | 756 |
| Average earning assets | $808,092,250 | 768 |
| Average equity | $103,383,000 | 642 |
| Average total loans | $689,733,500 | 693 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4136% | 5,071 |
| Cost of funding earning assets | 2.1551% | 3,015 |
| Net interest margin | 3.2585% | 5,703 |
| Noninterest income to average assets | 0.3794% | 5,471 |
| Noninterest expense to average assets | 3.0477% | 3,885 |
| Loan and lease loss provision to assets | 4.0233% | 303 |
| Net operating income to assets | -2.3123% | 7,517 |
| Return on assets (ROA) | -2.3123% | 7,512 |
| Pretax return on assets | -3.7666% | 7,710 |
| Return on Equity (ROE) | -20.9292% | 7,527 |
| Retained earnings to average equity (ytd only) | -20.9292% | 7,480 |
| Net charge-offs to loans | 4.0581% | 346 |
| Credit loss provision to net charge-offs | 130.9702% | 3,563 |
| Earnings coverage of net charge-offs (x) | 0.0836% | 5,593 |
| Efficiency ratio | 85.2170% | 2,329 |
| Assets per employee ($millions) | 4.1435% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7986% | 143 |
| Loan loss allowance to noncurrent loans | 27.0384% | 6,695 |
| Noncurrent assets plus other real estate owned to assets | 17.8635% | 62 |
| Noncurrent loans to loans | 17.7471% | 79 |
| Net loans and leases to total assets | 74.4021% | 2,594 |
| Net loans and leases to deposits | 92.4490% | 2,387 |
| Net loans and leases to core deposits | 142.8896% | 892 |
| Total domestic deposits to total assets | 80.4791% | 5,286 |
| Equity capital to assets | 12.4538% | 1,947 |
| Core capital (leverage) ratio | 10.7863% | 2,576 |
| Tier 1 risk-based capital ratio | 13.6114% | 3,751 |
| Total risk-based capital ratio | 14.9017% | 3,650 |
| Memoranda: | ||
| Average total assets | $914,661,670 | 770 |
| Average earning assets | $821,041,330 | 777 |
| Average equity | $101,055,000 | 665 |
| Average total loans | $692,399,670 | 711 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6323% | 4,159 |
| Cost of funding earning assets | 2.1086% | 3,612 |
| Net interest margin | 3.5237% | 4,635 |
| Noninterest income to average assets | 0.4293% | 4,966 |
| Noninterest expense to average assets | 2.7307% | 4,869 |
| Loan and lease loss provision to assets | 3.6450% | 277 |
| Net operating income to assets | -1.7020% | 7,574 |
| Return on assets (ROA) | -1.7020% | 7,572 |
| Pretax return on assets | -2.7762% | 7,713 |
| Return on Equity (ROE) | -16.3865% | 7,654 |
| Retained earnings to average equity (ytd only) | -16.3865% | 7,508 |
| Net charge-offs to loans | 4.2488% | 278 |
| Credit loss provision to net charge-offs | 115.0826% | 3,385 |
| Earnings coverage of net charge-offs (x) | 0.2743% | 4,753 |
| Efficiency ratio | 69.5497% | 4,670 |
| Assets per employee ($millions) | 4.3624% | 2,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2421% | 176 |
| Loan loss allowance to noncurrent loans | 35.4950% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 11.9367% | 146 |
| Noncurrent loans to loans | 11.9511% | 181 |
| Net loans and leases to total assets | 71.1599% | 3,433 |
| Net loans and leases to deposits | 99.7866% | 1,441 |
| Net loans and leases to core deposits | 144.9391% | 900 |
| Total domestic deposits to total assets | 71.3121% | 7,300 |
| Equity capital to assets | 10.3094% | 3,644 |
| Core capital (leverage) ratio | 9.2746% | 4,277 |
| Tier 1 risk-based capital ratio | 11.5550% | 5,352 |
| Total risk-based capital ratio | 12.8390% | 5,228 |
| Memoranda: | ||
| Average total assets | $932,786,500 | 756 |
| Average earning assets | $839,228,000 | 758 |
| Average equity | $96,884,500 | 691 |
| Average total loans | $695,350,000 | 711 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3136% | 3,890 |
| Cost of funding earning assets | 2.9019% | 2,260 |
| Net interest margin | 3.4117% | 5,612 |
| Noninterest income to average assets | 0.3151% | 6,199 |
| Noninterest expense to average assets | 9.0939% | 170 |
| Loan and lease loss provision to assets | 5.1952% | 95 |
| Net operating income to assets | -9.0027% | 8,244 |
| Return on assets (ROA) | -8.9812% | 8,241 |
| Pretax return on assets | -10.9538% | 8,253 |
| Return on Equity (ROE) | -68.2439% | 8,229 |
| Retained earnings to average equity (ytd only) | -68.2439% | 8,221 |
| Net charge-offs to loans | 5.7352% | 68 |
| Credit loss provision to net charge-offs | 121.8900% | 4,407 |
| Earnings coverage of net charge-offs (x) | -1.3573% | 6,646 |
| Efficiency ratio | 84.0098% | 2,053 |
| Assets per employee ($millions) | 4.3347% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1406% | 169 |
| Loan loss allowance to noncurrent loans | 31.1268% | 6,651 |
| Noncurrent assets plus other real estate owned to assets | 12.0815% | 107 |
| Noncurrent loans to loans | 13.3025% | 94 |
| Net loans and leases to total assets | 71.6869% | 3,653 |
| Net loans and leases to deposits | 104.0038% | 1,343 |
| Net loans and leases to core deposits | 141.3012% | 1,196 |
| Total domestic deposits to total assets | 68.9272% | 7,392 |
| Equity capital to assets | 10.4653% | 3,542 |
| Core capital (leverage) ratio | 9.7439% | 3,724 |
| Tier 1 risk-based capital ratio | 11.5994% | 5,156 |
| Total risk-based capital ratio | 12.8590% | 5,038 |
| Memoranda: | ||
| Average total assets | $903,970,800 | 732 |
| Average earning assets | $793,267,400 | 775 |
| Average equity | $118,966,000 | 574 |
| Average total loans | $671,796,800 | 708 |