Home > Vista Bank Texas > Performance and Condition Ratios
Vista Bank Texas, 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 | 4.6116% | 1,812 |
| Cost of funding earning assets | 0.3912% | 5,024 |
| Net interest margin | 4.2205% | 1,223 |
| Noninterest income to average assets | 0.2055% | 5,974 |
| Noninterest expense to average assets | 2.7882% | 3,713 |
| Loan and lease loss provision to assets | 0.1658% | 2,251 |
| Net operating income to assets | 0.8016% | 3,290 |
| Return on assets (ROA) | 0.8016% | 3,441 |
| Pretax return on assets | 1.1657% | 2,823 |
| Return on Equity (ROE) | 6.0415% | 4,151 |
| Retained earnings to average equity (ytd only) | 6.0415% | 2,413 |
| Net charge-offs to loans | 0.0472% | 4,016 |
| Credit loss provision to net charge-offs | 452.5862% | 602 |
| Earnings coverage of net charge-offs (x) | 36.3534% | 993 |
| Efficiency ratio | 66.7612% | 4,403 |
| Assets per employee ($millions) | 5.7347% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 5,165 |
| Loan loss allowance to noncurrent loans | 3,839.2157% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 6,371 |
| Noncurrent loans to loans | 0.0304% | 6,317 |
| Net loans and leases to total assets | 74.8018% | 1,129 |
| Net loans and leases to deposits | 97.7705% | 555 |
| Net loans and leases to core deposits | 111.6993% | 493 |
| Total domestic deposits to total assets | 76.5076% | 6,196 |
| Equity capital to assets | 12.7948% | 1,420 |
| Core capital (leverage) ratio | 12.1551% | 1,533 |
| Tier 1 risk-based capital ratio | 14.4910% | 4,102 |
| Total risk-based capital ratio | 15.5937% | 4,151 |
| Memoranda: | ||
| Average total assets | $633,461,330 | 1,065 |
| Average earning assets | $587,470,670 | 1,049 |
| Average equity | $84,051,670 | 853 |
| Average total loans | $491,072,000 | 860 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6382% | 1,718 |
| Cost of funding earning assets | 0.4028% | 5,074 |
| Net interest margin | 4.2354% | 1,107 |
| Noninterest income to average assets | 0.2118% | 5,966 |
| Noninterest expense to average assets | 2.9969% | 3,004 |
| Loan and lease loss provision to assets | 0.1619% | 2,247 |
| Net operating income to assets | 0.6775% | 3,795 |
| Return on assets (ROA) | 0.6775% | 3,952 |
| Pretax return on assets | 0.9761% | 3,457 |
| Return on Equity (ROE) | 5.0095% | 4,562 |
| Retained earnings to average equity (ytd only) | 5.0095% | 3,220 |
| Net charge-offs to loans | 0.0454% | 3,391 |
| Credit loss provision to net charge-offs | 454.5455% | 579 |
| Earnings coverage of net charge-offs (x) | 31.9455% | 934 |
| Efficiency ratio | 71.5382% | 3,698 |
| Assets per employee ($millions) | 5.3888% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 5,453 |
| Loan loss allowance to noncurrent loans | 951.2605% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 6,309 |
| Noncurrent loans to loans | 0.1196% | 6,114 |
| Net loans and leases to total assets | 78.0172% | 608 |
| Net loans and leases to deposits | 101.3003% | 302 |
| Net loans and leases to core deposits | 117.7174% | 312 |
| Total domestic deposits to total assets | 77.0158% | 6,248 |
| Equity capital to assets | 13.3199% | 1,288 |
| Core capital (leverage) ratio | 12.6466% | 1,277 |
| Tier 1 risk-based capital ratio | 14.4185% | 4,232 |
| Total risk-based capital ratio | 15.4974% | 4,297 |
| Memoranda: | ||
| Average total assets | $617,580,500 | 1,097 |
| Average earning assets | $572,037,000 | 1,077 |
| Average equity | $83,520,500 | 867 |
| Average total loans | $484,871,500 | 877 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5256% | 3,297 |
| Cost of funding earning assets | 0.5047% | 5,185 |
| Net interest margin | 4.0209% | 2,313 |
| Noninterest income to average assets | 0.3140% | 5,207 |
| Noninterest expense to average assets | 2.8673% | 3,777 |
| Loan and lease loss provision to assets | 0.0800% | 4,706 |
| Net operating income to assets | 0.7530% | 3,499 |
| Return on assets (ROA) | 0.7530% | 3,742 |
| Pretax return on assets | 1.0883% | 3,204 |
| Return on Equity (ROE) | 5.5640% | 4,391 |
| Retained earnings to average equity (ytd only) | 5.5640% | 2,341 |
| Net charge-offs to loans | 0.0554% | 5,158 |
| Credit loss provision to net charge-offs | 202.9787% | 1,269 |
| Earnings coverage of net charge-offs (x) | 29.6426% | 1,022 |
| Efficiency ratio | 70.0648% | 3,804 |
| Assets per employee ($millions) | 5.0812% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 5,317 |
| Loan loss allowance to noncurrent loans | 1,441.9525% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 6,458 |
| Noncurrent loans to loans | 0.0803% | 6,283 |
| Net loans and leases to total assets | 77.1869% | 772 |
| Net loans and leases to deposits | 99.1854% | 447 |
| Net loans and leases to core deposits | 114.6396% | 395 |
| Total domestic deposits to total assets | 77.8209% | 6,109 |
| Equity capital to assets | 13.7365% | 1,138 |
| Core capital (leverage) ratio | 12.6030% | 1,284 |
| Tier 1 risk-based capital ratio | 15.4632% | 3,449 |
| Total risk-based capital ratio | 16.5970% | 3,471 |
| Memoranda: | ||
| Average total assets | $596,247,600 | 1,115 |
| Average earning assets | $551,863,200 | 1,098 |
| Average equity | $80,697,800 | 867 |
| Average total loans | $424,136,600 | 985 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4502% | 3,829 |
| Cost of funding earning assets | 0.5195% | 5,310 |
| Net interest margin | 3.9307% | 2,798 |
| Noninterest income to average assets | 0.3202% | 5,226 |
| Noninterest expense to average assets | 2.8141% | 3,936 |
| Loan and lease loss provision to assets | 0.0752% | 4,716 |
| Net operating income to assets | 0.7441% | 3,719 |
| Return on assets (ROA) | 0.7441% | 3,969 |
| Pretax return on assets | 1.0713% | 3,459 |
| Return on Equity (ROE) | 5.5191% | 4,587 |
| Retained earnings to average equity (ytd only) | 5.5191% | 3,021 |
| Net charge-offs to loans | 0.0421% | 5,064 |
| Credit loss provision to net charge-offs | 257.6923% | 1,068 |
| Earnings coverage of net charge-offs (x) | 39.2998% | 893 |
| Efficiency ratio | 70.0493% | 3,677 |
| Assets per employee ($millions) | 4.9094% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 5,274 |
| Loan loss allowance to noncurrent loans | 1,520.4482% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 6,472 |
| Noncurrent loans to loans | 0.0790% | 6,417 |
| Net loans and leases to total assets | 76.4106% | 907 |
| Net loans and leases to deposits | 99.4008% | 473 |
| Net loans and leases to core deposits | 111.1110% | 532 |
| Total domestic deposits to total assets | 76.8712% | 6,255 |
| Equity capital to assets | 14.0273% | 1,143 |
| Core capital (leverage) ratio | 12.8903% | 1,234 |
| Tier 1 risk-based capital ratio | 15.9362% | 3,298 |
| Total risk-based capital ratio | 17.1162% | 3,311 |
| Memoranda: | ||
| Average total assets | $594,142,750 | 1,128 |
| Average earning assets | $550,258,000 | 1,114 |
| Average equity | $80,107,250 | 875 |
| Average total loans | $412,123,500 | 1,022 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3570% | 4,355 |
| Cost of funding earning assets | 0.5417% | 5,361 |
| Net interest margin | 3.8154% | 3,289 |
| Noninterest income to average assets | 0.3548% | 4,994 |
| Noninterest expense to average assets | 2.7755% | 4,114 |
| Loan and lease loss provision to assets | 0.0670% | 4,796 |
| Net operating income to assets | 0.7278% | 3,715 |
| Return on assets (ROA) | 0.7278% | 3,994 |
| Pretax return on assets | 1.0518% | 3,506 |
| Return on Equity (ROE) | 5.4697% | 4,599 |
| Retained earnings to average equity (ytd only) | 5.4697% | 3,004 |
| Net charge-offs to loans | 0.0652% | 4,520 |
| Credit loss provision to net charge-offs | 153.8462% | 1,802 |
| Earnings coverage of net charge-offs (x) | 25.7077% | 1,190 |
| Efficiency ratio | 70.2742% | 3,719 |
| Assets per employee ($millions) | 5.0243% | 2,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 5,037 |
| Loan loss allowance to noncurrent loans | 2,151.6260% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 6,600 |
| Noncurrent loans to loans | 0.0590% | 6,529 |
| Net loans and leases to total assets | 70.5956% | 1,802 |
| Net loans and leases to deposits | 91.6140% | 990 |
| Net loans and leases to core deposits | 102.3862% | 955 |
| Total domestic deposits to total assets | 77.0576% | 6,315 |
| Equity capital to assets | 13.8283% | 1,171 |
| Core capital (leverage) ratio | 12.5275% | 1,341 |
| Tier 1 risk-based capital ratio | 16.8861% | 2,724 |
| Total risk-based capital ratio | 18.1259% | 2,686 |
| Memoranda: | ||
| Average total assets | $597,451,670 | 1,116 |
| Average earning assets | $554,231,330 | 1,096 |
| Average equity | $79,493,000 | 873 |
| Average total loans | $398,887,670 | 1,058 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2317% | 4,990 |
| Cost of funding earning assets | 0.5670% | 5,382 |
| Net interest margin | 3.6647% | 3,985 |
| Noninterest income to average assets | 0.2632% | 5,765 |
| Noninterest expense to average assets | 2.8163% | 3,966 |
| Loan and lease loss provision to assets | 0.0992% | 4,103 |
| Net operating income to assets | 0.5318% | 4,681 |
| Return on assets (ROA) | 0.5318% | 4,888 |
| Pretax return on assets | 0.7593% | 4,572 |
| Return on Equity (ROE) | 4.0739% | 5,262 |
| Retained earnings to average equity (ytd only) | 4.0739% | 4,150 |
| Net charge-offs to loans | 0.1005% | 3,534 |
| Credit loss provision to net charge-offs | 153.0612% | 1,640 |
| Earnings coverage of net charge-offs (x) | 13.2449% | 1,550 |
| Efficiency ratio | 75.5940% | 2,839 |
| Assets per employee ($millions) | 5.4392% | 1,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3408% | 4,840 |
| Loan loss allowance to noncurrent loans | 1,421.8329% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.2124% | 6,356 |
| Noncurrent loans to loans | 0.0943% | 6,524 |
| Net loans and leases to total assets | 65.4711% | 2,565 |
| Net loans and leases to deposits | 84.4245% | 1,607 |
| Net loans and leases to core deposits | 96.3031% | 1,275 |
| Total domestic deposits to total assets | 77.5499% | 6,328 |
| Equity capital to assets | 13.3816% | 1,284 |
| Core capital (leverage) ratio | 11.9530% | 1,615 |
| Tier 1 risk-based capital ratio | 17.0090% | 2,677 |
| Total risk-based capital ratio | 18.2591% | 2,638 |
| Memoranda: | ||
| Average total assets | $604,767,000 | 1,100 |
| Average earning assets | $562,988,500 | 1,085 |
| Average equity | $78,942,500 | 877 |
| Average total loans | $389,962,000 | 1,084 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5705% | 4,786 |
| Cost of funding earning assets | 0.7729% | 5,047 |
| Net interest margin | 3.7976% | 3,828 |
| Noninterest income to average assets | 0.5134% | 3,759 |
| Noninterest expense to average assets | 2.7991% | 4,349 |
| Loan and lease loss provision to assets | 0.1794% | 4,402 |
| Net operating income to assets | 1.0453% | 2,023 |
| Return on assets (ROA) | 1.0453% | 2,172 |
| Pretax return on assets | 1.0889% | 2,879 |
| Return on Equity (ROE) | 8.2448% | 2,785 |
| Retained earnings to average equity (ytd only) | 8.2448% | 1,001 |
| Net charge-offs to loans | 0.0341% | 5,973 |
| Credit loss provision to net charge-offs | 797.4138% | 278 |
| Earnings coverage of net charge-offs (x) | 56.3707% | 504 |
| Efficiency ratio | 67.7062% | 4,421 |
| Assets per employee ($millions) | 5.6574% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 4,660 |
| Loan loss allowance to noncurrent loans | 1,283.2924% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 6,290 |
| Noncurrent loans to loans | 0.1053% | 6,547 |
| Net loans and leases to total assets | 61.8274% | 3,634 |
| Net loans and leases to deposits | 78.7573% | 2,717 |
| Net loans and leases to core deposits | 90.3641% | 2,073 |
| Total domestic deposits to total assets | 78.5037% | 6,093 |
| Equity capital to assets | 12.7378% | 1,632 |
| Core capital (leverage) ratio | 11.8562% | 1,681 |
| Tier 1 risk-based capital ratio | 17.4418% | 2,404 |
| Total risk-based capital ratio | 18.6925% | 2,369 |
| Memoranda: | ||
| Average total assets | $515,554,800 | 1,298 |
| Average earning assets | $482,489,800 | 1,268 |
| Average equity | $65,362,200 | 1,033 |
| Average total loans | $340,303,400 | 1,245 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6851% | 4,527 |
| Cost of funding earning assets | 0.8242% | 4,982 |
| Net interest margin | 3.8608% | 3,569 |
| Noninterest income to average assets | 0.7315% | 2,408 |
| Noninterest expense to average assets | 2.7915% | 4,374 |
| Loan and lease loss provision to assets | 0.2312% | 3,704 |
| Net operating income to assets | 1.3238% | 1,317 |
| Return on assets (ROA) | 1.3238% | 1,409 |
| Pretax return on assets | 1.3176% | 2,234 |
| Return on Equity (ROE) | 10.4575% | 2,050 |
| Retained earnings to average equity (ytd only) | 10.4575% | 737 |
| Net charge-offs to loans | 0.0527% | 5,448 |
| Credit loss provision to net charge-offs | 653.8462% | 416 |
| Earnings coverage of net charge-offs (x) | 43.8074% | 724 |
| Efficiency ratio | 63.2206% | 5,192 |
| Assets per employee ($millions) | 5.6631% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 4,692 |
| Loan loss allowance to noncurrent loans | 1,717.0569% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.4986% | 5,838 |
| Noncurrent loans to loans | 0.0797% | 6,734 |
| Net loans and leases to total assets | 64.0762% | 3,293 |
| Net loans and leases to deposits | 83.0797% | 2,159 |
| Net loans and leases to core deposits | 93.2131% | 1,858 |
| Total domestic deposits to total assets | 77.1261% | 6,359 |
| Equity capital to assets | 13.5023% | 1,366 |
| Core capital (leverage) ratio | 11.9250% | 1,748 |
| Tier 1 risk-based capital ratio | 17.3113% | 2,517 |
| Total risk-based capital ratio | 18.5395% | 2,492 |
| Memoranda: | ||
| Average total assets | $490,278,500 | 1,366 |
| Average earning assets | $458,264,750 | 1,338 |
| Average equity | $62,065,500 | 1,091 |
| Average total loans | $328,757,250 | 1,296 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5759% | 5,071 |
| Cost of funding earning assets | 0.8323% | 5,183 |
| Net interest margin | 3.7436% | 4,063 |
| Noninterest income to average assets | 0.2507% | 5,857 |
| Noninterest expense to average assets | 2.6876% | 4,868 |
| Loan and lease loss provision to assets | 0.1084% | 4,945 |
| Net operating income to assets | 0.9602% | 2,394 |
| Return on assets (ROA) | 0.9602% | 2,494 |
| Pretax return on assets | 0.9602% | 3,390 |
| Return on Equity (ROE) | 7.8018% | 3,041 |
| Retained earnings to average equity (ytd only) | 7.8018% | 1,530 |
| Net charge-offs to loans | 0.0843% | 4,797 |
| Credit loss provision to net charge-offs | 189.3939% | 1,598 |
| Earnings coverage of net charge-offs (x) | 18.6667% | 1,247 |
| Efficiency ratio | 70.2113% | 4,073 |
| Assets per employee ($millions) | 5.6970% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4362% | 4,415 |
| Loan loss allowance to noncurrent loans | 4,770.5263% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 7,060 |
| Noncurrent loans to loans | 0.0301% | 6,909 |
| Net loans and leases to total assets | 66.5772% | 2,915 |
| Net loans and leases to deposits | 87.5326% | 1,564 |
| Net loans and leases to core deposits | 100.7773% | 1,274 |
| Total domestic deposits to total assets | 76.0599% | 6,591 |
| Equity capital to assets | 12.4892% | 1,783 |
| Core capital (leverage) ratio | 10.8956% | 2,343 |
| Tier 1 risk-based capital ratio | 14.6156% | 3,718 |
| Total risk-based capital ratio | 15.8475% | 3,701 |
| Memoranda: | ||
| Average total assets | $461,160,330 | 1,445 |
| Average earning assets | $431,828,000 | 1,422 |
| Average equity | $56,756,000 | 1,181 |
| Average total loans | $313,256,670 | 1,380 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5548% | 5,152 |
| Cost of funding earning assets | 0.8642% | 5,177 |
| Net interest margin | 3.6906% | 4,154 |
| Noninterest income to average assets | 0.2418% | 5,966 |
| Noninterest expense to average assets | 2.6829% | 4,904 |
| Loan and lease loss provision to assets | 0.1310% | 4,364 |
| Net operating income to assets | 0.8879% | 2,628 |
| Return on assets (ROA) | 0.8879% | 2,693 |
| Pretax return on assets | 0.8879% | 3,549 |
| Return on Equity (ROE) | 7.2692% | 3,257 |
| Retained earnings to average equity (ytd only) | 7.2692% | 2,033 |
| Net charge-offs to loans | 0.0449% | 4,492 |
| Credit loss provision to net charge-offs | 428.5714% | 804 |
| Earnings coverage of net charge-offs (x) | 33.3429% | 776 |
| Efficiency ratio | 71.1085% | 4,033 |
| Assets per employee ($millions) | 5.6883% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 4,458 |
| Loan loss allowance to noncurrent loans | 3,938.2609% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 7,111 |
| Noncurrent loans to loans | 0.0367% | 6,961 |
| Net loans and leases to total assets | 67.0086% | 2,754 |
| Net loans and leases to deposits | 88.7231% | 1,383 |
| Net loans and leases to core deposits | 102.3816% | 1,174 |
| Total domestic deposits to total assets | 75.5255% | 6,734 |
| Equity capital to assets | 12.3092% | 1,732 |
| Core capital (leverage) ratio | 10.8811% | 2,281 |
| Tier 1 risk-based capital ratio | 14.4459% | 3,775 |
| Total risk-based capital ratio | 15.6759% | 3,747 |
| Memoranda: | ||
| Average total assets | $458,162,000 | 1,466 |
| Average earning assets | $429,525,000 | 1,432 |
| Average equity | $55,962,000 | 1,181 |
| Average total loans | $312,109,000 | 1,398 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0976% | 4,107 |
| Cost of funding earning assets | 1.1077% | 5,101 |
| Net interest margin | 3.9899% | 3,062 |
| Noninterest income to average assets | 0.2522% | 5,996 |
| Noninterest expense to average assets | 2.7560% | 4,762 |
| Loan and lease loss provision to assets | 0.2920% | 4,458 |
| Net operating income to assets | 0.8517% | 2,582 |
| Return on assets (ROA) | 0.8896% | 2,563 |
| Pretax return on assets | 0.8896% | 3,338 |
| Return on Equity (ROE) | 7.5085% | 2,893 |
| Retained earnings to average equity (ytd only) | 7.5085% | 1,147 |
| Net charge-offs to loans | 0.0085% | 6,752 |
| Credit loss provision to net charge-offs | 4,711.5385% | 43 |
| Earnings coverage of net charge-offs (x) | 184.5385% | 140 |
| Efficiency ratio | 69.2482% | 4,329 |
| Assets per employee ($millions) | 5.6243% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4195% | 4,425 |
| Loan loss allowance to noncurrent loans | 2,111.9617% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 7,120 |
| Noncurrent loans to loans | 0.0672% | 6,956 |
| Net loans and leases to total assets | 67.2850% | 3,149 |
| Net loans and leases to deposits | 89.0566% | 1,639 |
| Net loans and leases to core deposits | 102.5462% | 1,411 |
| Total domestic deposits to total assets | 75.5531% | 6,692 |
| Equity capital to assets | 12.1186% | 1,846 |
| Core capital (leverage) ratio | 10.6019% | 2,461 |
| Tier 1 risk-based capital ratio | 14.5433% | 3,513 |
| Total risk-based capital ratio | 15.7947% | 3,474 |
| Memoranda: | ||
| Average total assets | $419,523,400 | 1,581 |
| Average earning assets | $383,513,800 | 1,575 |
| Average equity | $49,703,400 | 1,347 |
| Average total loans | $304,891,400 | 1,475 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1896% | 3,882 |
| Cost of funding earning assets | 1.1291% | 5,257 |
| Net interest margin | 4.0605% | 2,810 |
| Noninterest income to average assets | 0.2582% | 6,053 |
| Noninterest expense to average assets | 2.8556% | 4,258 |
| Loan and lease loss provision to assets | 0.2842% | 4,307 |
| Net operating income to assets | 0.8022% | 2,990 |
| Return on assets (ROA) | 0.8539% | 2,928 |
| Pretax return on assets | 0.8539% | 3,717 |
| Return on Equity (ROE) | 7.2532% | 3,226 |
| Retained earnings to average equity (ytd only) | 7.2532% | 1,724 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9978% | 3,882 |
| Assets per employee ($millions) | 5.3037% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 4,971 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 71.4606% | 2,363 |
| Net loans and leases to deposits | 96.0660% | 973 |
| Net loans and leases to core deposits | 112.1236% | 928 |
| Total domestic deposits to total assets | 74.3870% | 6,876 |
| Equity capital to assets | 12.6866% | 1,764 |
| Core capital (leverage) ratio | 10.9077% | 2,330 |
| Tier 1 risk-based capital ratio | 14.2906% | 3,640 |
| Total risk-based capital ratio | 15.5407% | 3,597 |
| Memoranda: | ||
| Average total assets | $410,511,500 | 1,637 |
| Average earning assets | $372,428,250 | 1,645 |
| Average equity | $48,327,000 | 1,394 |
| Average total loans | $303,378,000 | 1,500 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2295% | 3,804 |
| Cost of funding earning assets | 1.1616% | 5,334 |
| Net interest margin | 4.0679% | 2,709 |
| Noninterest income to average assets | 0.2470% | 6,143 |
| Noninterest expense to average assets | 2.9370% | 3,931 |
| Loan and lease loss provision to assets | 0.2734% | 4,199 |
| Net operating income to assets | 0.6919% | 3,436 |
| Return on assets (ROA) | 0.7123% | 3,504 |
| Pretax return on assets | 0.7123% | 4,193 |
| Return on Equity (ROE) | 6.2244% | 3,685 |
| Retained earnings to average equity (ytd only) | 6.2244% | 2,218 |
| Net charge-offs to loans | 0.0007% | 6,370 |
| Credit loss provision to net charge-offs | 55,000.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 1,942.0000% | 5 |
| Efficiency ratio | 73.7868% | 3,512 |
| Assets per employee ($millions) | 5.2705% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 5,410 |
| Loan loss allowance to noncurrent loans | 635.8108% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 7,041 |
| Noncurrent loans to loans | 0.1900% | 6,873 |
| Net loans and leases to total assets | 73.0114% | 2,166 |
| Net loans and leases to deposits | 98.7008% | 820 |
| Net loans and leases to core deposits | 115.8729% | 847 |
| Total domestic deposits to total assets | 73.9724% | 6,974 |
| Equity capital to assets | 12.7252% | 1,678 |
| Core capital (leverage) ratio | 11.2663% | 2,055 |
| Tier 1 risk-based capital ratio | 14.0793% | 3,674 |
| Total risk-based capital ratio | 15.2584% | 3,692 |
| Memoranda: | ||
| Average total assets | $402,381,670 | 1,683 |
| Average earning assets | $361,562,330 | 1,699 |
| Average equity | $46,044,670 | 1,464 |
| Average total loans | $299,546,330 | 1,532 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2564% | 3,753 |
| Cost of funding earning assets | 1.1949% | 5,436 |
| Net interest margin | 4.0615% | 2,605 |
| Noninterest income to average assets | 0.2485% | 6,162 |
| Noninterest expense to average assets | 3.0431% | 3,505 |
| Loan and lease loss provision to assets | 0.2292% | 4,212 |
| Net operating income to assets | 0.6111% | 3,850 |
| Return on assets (ROA) | 0.6111% | 3,997 |
| Pretax return on assets | 0.6111% | 4,562 |
| Return on Equity (ROE) | 5.6818% | 4,022 |
| Retained earnings to average equity (ytd only) | 5.6818% | 2,773 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8424% | 3,086 |
| Assets per employee ($millions) | 4.7634% | 2,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 5,780 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 74.8336% | 1,780 |
| Net loans and leases to deposits | 100.0588% | 747 |
| Net loans and leases to core deposits | 117.7940% | 879 |
| Total domestic deposits to total assets | 74.7896% | 6,930 |
| Equity capital to assets | 10.7540% | 3,000 |
| Core capital (leverage) ratio | 8.9208% | 4,696 |
| Tier 1 risk-based capital ratio | 11.1258% | 6,029 |
| Total risk-based capital ratio | 12.2498% | 6,124 |
| Memoranda: | ||
| Average total assets | $392,754,000 | 1,753 |
| Average earning assets | $351,495,000 | 1,775 |
| Average equity | $42,240,000 | 1,584 |
| Average total loans | $293,516,000 | 1,601 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5423% | 3,915 |
| Cost of funding earning assets | 1.5588% | 5,233 |
| Net interest margin | 3.9835% | 2,923 |
| Noninterest income to average assets | 0.2666% | 6,207 |
| Noninterest expense to average assets | 3.2406% | 3,229 |
| Loan and lease loss provision to assets | 0.3036% | 4,999 |
| Net operating income to assets | 0.3099% | 4,497 |
| Return on assets (ROA) | 0.3353% | 4,482 |
| Pretax return on assets | 0.3353% | 4,673 |
| Return on Equity (ROE) | 3.1007% | 4,460 |
| Retained earnings to average equity (ytd only) | 3.1007% | 2,991 |
| Net charge-offs to loans | 0.0070% | 7,137 |
| Credit loss provision to net charge-offs | 5,615.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 113.4500% | 249 |
| Efficiency ratio | 82.4470% | 2,552 |
| Assets per employee ($millions) | 4.7006% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 5,824 |
| Loan loss allowance to noncurrent loans | 467.9767% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 7,037 |
| Noncurrent loans to loans | 0.2388% | 6,836 |
| Net loans and leases to total assets | 72.9249% | 2,524 |
| Net loans and leases to deposits | 97.3873% | 1,167 |
| Net loans and leases to core deposits | 118.5267% | 2,074 |
| Total domestic deposits to total assets | 74.8813% | 6,885 |
| Equity capital to assets | 10.7557% | 2,913 |
| Core capital (leverage) ratio | 8.4622% | 5,340 |
| Tier 1 risk-based capital ratio | 11.0554% | 5,872 |
| Total risk-based capital ratio | 12.1198% | 6,013 |
| Memoranda: | ||
| Average total assets | $369,844,000 | 1,840 |
| Average earning assets | $333,074,600 | 1,864 |
| Average equity | $39,991,000 | 1,672 |
| Average total loans | $284,985,800 | 1,685 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5380% | 4,226 |
| Cost of funding earning assets | 1.6220% | 5,296 |
| Net interest margin | 3.9160% | 3,174 |
| Noninterest income to average assets | 0.2701% | 6,302 |
| Noninterest expense to average assets | 3.2093% | 3,272 |
| Loan and lease loss provision to assets | 0.3282% | 4,366 |
| Net operating income to assets | 0.2687% | 4,911 |
| Return on assets (ROA) | 0.2950% | 4,916 |
| Pretax return on assets | 0.2950% | 5,077 |
| Return on Equity (ROE) | 2.7241% | 4,905 |
| Retained earnings to average equity (ytd only) | 2.7241% | 3,809 |
| Net charge-offs to loans | 0.0094% | 6,815 |
| Credit loss provision to net charge-offs | 4,490.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 81.6378% | 415 |
| Efficiency ratio | 82.6371% | 2,493 |
| Assets per employee ($millions) | 4.6928% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0086% | 6,239 |
| Loan loss allowance to noncurrent loans | 259.5486% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 6,770 |
| Noncurrent loans to loans | 0.3886% | 6,564 |
| Net loans and leases to total assets | 73.5701% | 2,654 |
| Net loans and leases to deposits | 97.5034% | 1,381 |
| Net loans and leases to core deposits | 120.9002% | 2,167 |
| Total domestic deposits to total assets | 75.4539% | 6,687 |
| Equity capital to assets | 10.4466% | 3,573 |
| Core capital (leverage) ratio | 8.5129% | 5,466 |
| Tier 1 risk-based capital ratio | 10.4681% | 6,504 |
| Total risk-based capital ratio | 11.4194% | 6,751 |
| Memoranda: | ||
| Average total assets | $364,768,000 | 1,874 |
| Average earning assets | $329,376,250 | 1,902 |
| Average equity | $39,498,000 | 1,722 |
| Average total loans | $284,299,750 | 1,709 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6043% | 4,054 |
| Cost of funding earning assets | 1.6968% | 5,284 |
| Net interest margin | 3.9075% | 3,080 |
| Noninterest income to average assets | 0.2745% | 6,304 |
| Noninterest expense to average assets | 3.3209% | 2,880 |
| Loan and lease loss provision to assets | 0.3809% | 3,643 |
| Net operating income to assets | 0.0968% | 5,574 |
| Return on assets (ROA) | 0.1194% | 5,606 |
| Pretax return on assets | 0.1194% | 5,628 |
| Return on Equity (ROE) | 1.0884% | 5,613 |
| Retained earnings to average equity (ytd only) | 1.0884% | 4,724 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6973% | 2,254 |
| Assets per employee ($millions) | 4.4614% | 2,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 6,590 |
| Loan loss allowance to noncurrent loans | 177.2756% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.4143% | 6,429 |
| Noncurrent loans to loans | 0.5316% | 6,205 |
| Net loans and leases to total assets | 77.1962% | 1,913 |
| Net loans and leases to deposits | 103.4168% | 952 |
| Net loans and leases to core deposits | 130.0122% | 1,557 |
| Total domestic deposits to total assets | 74.6457% | 6,832 |
| Equity capital to assets | 10.4365% | 3,479 |
| Core capital (leverage) ratio | 8.6546% | 5,173 |
| Tier 1 risk-based capital ratio | 9.9118% | 7,025 |
| Total risk-based capital ratio | 10.7952% | 7,314 |
| Memoranda: | ||
| Average total assets | $353,395,330 | 1,954 |
| Average earning assets | $318,717,000 | 1,996 |
| Average equity | $38,774,000 | 1,758 |
| Average total loans | $280,249,330 | 1,769 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7064% | 3,773 |
| Cost of funding earning assets | 1.7421% | 5,405 |
| Net interest margin | 3.9643% | 2,799 |
| Noninterest income to average assets | 0.2655% | 6,322 |
| Noninterest expense to average assets | 3.2189% | 2,898 |
| Loan and lease loss provision to assets | 0.2761% | 3,753 |
| Net operating income to assets | 0.3501% | 5,070 |
| Return on assets (ROA) | 0.3736% | 5,149 |
| Pretax return on assets | 0.3736% | 5,469 |
| Return on Equity (ROE) | 3.3149% | 5,244 |
| Retained earnings to average equity (ytd only) | 3.3149% | 4,033 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9432% | 2,540 |
| Assets per employee ($millions) | 4.3072% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8265% | 7,060 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 77.8428% | 1,856 |
| Net loans and leases to deposits | 105.4939% | 908 |
| Net loans and leases to core deposits | 138.9450% | 1,154 |
| Total domestic deposits to total assets | 73.7889% | 6,922 |
| Equity capital to assets | 10.6838% | 3,306 |
| Core capital (leverage) ratio | 9.1859% | 4,428 |
| Tier 1 risk-based capital ratio | 9.8623% | 7,072 |
| Total risk-based capital ratio | 10.6263% | 7,485 |
| Memoranda: | ||
| Average total assets | $340,484,000 | 2,040 |
| Average earning assets | $307,443,500 | 2,077 |
| Average equity | $38,372,500 | 1,774 |
| Average total loans | $272,610,500 | 1,818 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1630% | 4,707 |
| Cost of funding earning assets | 2.0319% | 6,312 |
| Net interest margin | 4.1310% | 2,578 |
| Noninterest income to average assets | 0.3439% | 5,985 |
| Noninterest expense to average assets | 4.0026% | 1,418 |
| Loan and lease loss provision to assets | 0.6083% | 2,388 |
| Net operating income to assets | -0.5624% | 6,968 |
| Return on assets (ROA) | -0.5208% | 6,814 |
| Pretax return on assets | -0.5208% | 6,671 |
| Return on Equity (ROE) | -3.6475% | 6,701 |
| Retained earnings to average equity (ytd only) | -3.6475% | 6,252 |
| Net charge-offs to loans | 0.2912% | 3,458 |
| Credit loss provision to net charge-offs | 270.3704% | 1,704 |
| Earnings coverage of net charge-offs (x) | 0.2037% | 6,112 |
| Efficiency ratio | 96.6882% | 1,114 |
| Assets per employee ($millions) | 3.7996% | 3,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8085% | 7,071 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 81.1882% | 1,391 |
| Net loans and leases to deposits | 110.3730% | 807 |
| Net loans and leases to core deposits | 147.3755% | 962 |
| Total domestic deposits to total assets | 73.5580% | 6,726 |
| Equity capital to assets | 11.9345% | 2,337 |
| Core capital (leverage) ratio | 9.8513% | 3,586 |
| Tier 1 risk-based capital ratio | 10.7243% | 5,979 |
| Total risk-based capital ratio | 11.4813% | 6,348 |
| Memoranda: | ||
| Average total assets | $264,029,800 | 2,427 |
| Average earning assets | $236,769,000 | 2,485 |
| Average equity | $37,697,000 | 1,792 |
| Average total loans | $203,999,600 | 2,261 |