Home > Voyager Bank > Performance and Condition Ratios
Voyager Bank, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 3,107 |
| Cost of funding earning assets | 0.2787% | 4,682 |
| Net interest margin | 3.7548% | 2,413 |
| Noninterest income to average assets | 0.8727% | 1,489 |
| Noninterest expense to average assets | 3.5011% | 1,308 |
| Loan and lease loss provision to assets | 0.0225% | 3,419 |
| Net operating income to assets | 0.8143% | 3,189 |
| Return on assets (ROA) | -1.7826% | 6,365 |
| Pretax return on assets | -1.7826% | 6,361 |
| Return on Equity (ROE) | -20.7729% | 6,360 |
| Retained earnings to average equity (ytd only) | -20.7729% | 6,280 |
| Net charge-offs to loans | -0.0985% | 5,851 |
| Credit loss provision to net charge-offs | -29.4118% | 4,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7095% | 1,802 |
| Assets per employee ($millions) | 6.3087% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 4,761 |
| Loan loss allowance to noncurrent loans | 93.4655% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 2.4065% | 907 |
| Noncurrent loans to loans | 1.1236% | 2,526 |
| Net loans and leases to total assets | 76.6779% | 1,110 |
| Net loans and leases to deposits | 84.1816% | 2,046 |
| Net loans and leases to core deposits | 88.8506% | 2,235 |
| Total domestic deposits to total assets | 91.0863% | 339 |
| Equity capital to assets | 8.7849% | 5,516 |
| Core capital (leverage) ratio | 8.3863% | 5,650 |
| Tier 1 risk-based capital ratio | 10.2037% | 6,114 |
| Total risk-based capital ratio | 11.1639% | 6,152 |
| Memoranda: | ||
| Average total assets | $356,116,500 | 1,866 |
| Average earning assets | $328,644,000 | 1,868 |
| Average equity | $30,559,000 | 2,317 |
| Average total loans | $276,256,500 | 1,582 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2693% | 2,709 |
| Cost of funding earning assets | 0.2540% | 5,279 |
| Net interest margin | 4.0153% | 1,856 |
| Noninterest income to average assets | 1.0976% | 1,008 |
| Noninterest expense to average assets | 4.2675% | 564 |
| Loan and lease loss provision to assets | 0.0306% | 3,993 |
| Net operating income to assets | 0.4666% | 4,938 |
| Return on assets (ROA) | 0.3830% | 5,345 |
| Pretax return on assets | 0.3830% | 5,526 |
| Return on Equity (ROE) | 4.5895% | 4,847 |
| Retained earnings to average equity (ytd only) | 4.5895% | 2,913 |
| Net charge-offs to loans | 0.3326% | 1,325 |
| Credit loss provision to net charge-offs | 11.7582% | 4,082 |
| Earnings coverage of net charge-offs (x) | 1.9099% | 4,308 |
| Efficiency ratio | 89.5653% | 872 |
| Assets per employee ($millions) | 5.6976% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 5,064 |
| Loan loss allowance to noncurrent loans | 87.6415% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 3.1659% | 611 |
| Noncurrent loans to loans | 1.1408% | 2,561 |
| Net loans and leases to total assets | 76.8801% | 1,147 |
| Net loans and leases to deposits | 87.2247% | 1,823 |
| Net loans and leases to core deposits | 96.5844% | 1,675 |
| Total domestic deposits to total assets | 88.1403% | 1,693 |
| Equity capital to assets | 8.3806% | 5,843 |
| Core capital (leverage) ratio | 9.1484% | 4,755 |
| Tier 1 risk-based capital ratio | 9.8179% | 6,302 |
| Total risk-based capital ratio | 10.6805% | 6,340 |
| Memoranda: | ||
| Average total assets | $349,575,200 | 1,859 |
| Average earning assets | $319,252,800 | 1,875 |
| Average equity | $29,175,600 | 2,331 |
| Average total loans | $273,639,000 | 1,557 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2784% | 2,718 |
| Cost of funding earning assets | 0.2616% | 5,287 |
| Net interest margin | 4.0168% | 1,831 |
| Noninterest income to average assets | 1.1800% | 861 |
| Noninterest expense to average assets | 4.4457% | 488 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3897% | 5,286 |
| Return on assets (ROA) | 0.3897% | 5,366 |
| Pretax return on assets | 0.3897% | 5,603 |
| Return on Equity (ROE) | 4.6748% | 4,867 |
| Retained earnings to average equity (ytd only) | 4.6748% | 3,303 |
| Net charge-offs to loans | 0.3862% | 1,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.2864% | 4,190 |
| Efficiency ratio | 91.9400% | 717 |
| Assets per employee ($millions) | 5.1786% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 4,862 |
| Loan loss allowance to noncurrent loans | 81.4481% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 3.5540% | 596 |
| Noncurrent loans to loans | 1.3185% | 2,444 |
| Net loans and leases to total assets | 76.6531% | 1,141 |
| Net loans and leases to deposits | 85.6401% | 1,947 |
| Net loans and leases to core deposits | 91.0075% | 2,116 |
| Total domestic deposits to total assets | 89.5061% | 978 |
| Equity capital to assets | 8.7842% | 5,564 |
| Core capital (leverage) ratio | 9.3181% | 4,618 |
| Tier 1 risk-based capital ratio | 10.3793% | 6,245 |
| Total risk-based capital ratio | 11.2926% | 6,297 |
| Memoranda: | ||
| Average total assets | $347,232,500 | 1,883 |
| Average earning assets | $315,996,750 | 1,903 |
| Average equity | $28,949,000 | 2,355 |
| Average total loans | $272,362,500 | 1,570 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3034% | 2,571 |
| Cost of funding earning assets | 0.2667% | 5,322 |
| Net interest margin | 4.0367% | 1,697 |
| Noninterest income to average assets | 1.1198% | 943 |
| Noninterest expense to average assets | 4.4256% | 483 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3615% | 5,366 |
| Return on assets (ROA) | 0.3615% | 5,437 |
| Pretax return on assets | 0.3615% | 5,657 |
| Return on Equity (ROE) | 4.4116% | 4,964 |
| Retained earnings to average equity (ytd only) | 4.4116% | 3,369 |
| Net charge-offs to loans | 0.5474% | 744 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.8386% | 3,960 |
| Efficiency ratio | 92.4488% | 735 |
| Assets per employee ($millions) | 5.1850% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 5,148 |
| Loan loss allowance to noncurrent loans | 84.6476% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 3.2451% | 755 |
| Noncurrent loans to loans | 1.2316% | 2,769 |
| Net loans and leases to total assets | 78.6100% | 839 |
| Net loans and leases to deposits | 88.4702% | 1,537 |
| Net loans and leases to core deposits | 91.4046% | 1,986 |
| Total domestic deposits to total assets | 88.8549% | 1,441 |
| Equity capital to assets | 8.4725% | 5,822 |
| Core capital (leverage) ratio | 8.8961% | 5,164 |
| Tier 1 risk-based capital ratio | 10.1198% | 6,362 |
| Total risk-based capital ratio | 11.0174% | 6,437 |
| Memoranda: | ||
| Average total assets | $350,774,670 | 1,869 |
| Average earning assets | $318,678,000 | 1,887 |
| Average equity | $28,742,670 | 2,360 |
| Average total loans | $276,210,000 | 1,550 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3076% | 2,493 |
| Cost of funding earning assets | 0.2796% | 5,286 |
| Net interest margin | 4.0280% | 1,662 |
| Noninterest income to average assets | 0.8630% | 1,511 |
| Noninterest expense to average assets | 4.2607% | 568 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2535% | 5,653 |
| Return on assets (ROA) | 0.2535% | 5,694 |
| Pretax return on assets | 0.2535% | 5,817 |
| Return on Equity (ROE) | 3.1450% | 5,416 |
| Retained earnings to average equity (ytd only) | 3.1450% | 4,240 |
| Net charge-offs to loans | 0.5402% | 682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.5984% | 3,305 |
| Efficiency ratio | 94.3848% | 729 |
| Assets per employee ($millions) | 5.6541% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 4,908 |
| Loan loss allowance to noncurrent loans | 83.6761% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 3.1112% | 892 |
| Noncurrent loans to loans | 1.3655% | 2,744 |
| Net loans and leases to total assets | 74.5181% | 1,187 |
| Net loans and leases to deposits | 80.8972% | 2,174 |
| Net loans and leases to core deposits | 83.2612% | 2,607 |
| Total domestic deposits to total assets | 92.1146% | 220 |
| Equity capital to assets | 7.6381% | 6,254 |
| Core capital (leverage) ratio | 8.9321% | 5,096 |
| Tier 1 risk-based capital ratio | 9.6864% | 6,527 |
| Total risk-based capital ratio | 10.6749% | 6,549 |
| Memoranda: | ||
| Average total assets | $355,056,000 | 1,851 |
| Average earning assets | $321,848,000 | 1,874 |
| Average equity | $28,617,000 | 2,357 |
| Average total loans | $278,391,500 | 1,539 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6334% | 1,765 |
| Cost of funding earning assets | 0.3647% | 5,005 |
| Net interest margin | 4.2687% | 1,172 |
| Noninterest income to average assets | 1.1697% | 1,028 |
| Noninterest expense to average assets | 4.5956% | 483 |
| Loan and lease loss provision to assets | -0.0451% | 6,370 |
| Net operating income to assets | 0.4915% | 4,768 |
| Return on assets (ROA) | 0.4587% | 5,043 |
| Pretax return on assets | 0.4587% | 5,327 |
| Return on Equity (ROE) | 5.2922% | 4,500 |
| Retained earnings to average equity (ytd only) | 5.2922% | 2,423 |
| Net charge-offs to loans | 0.2637% | 2,384 |
| Credit loss provision to net charge-offs | -21.2766% | 5,715 |
| Earnings coverage of net charge-offs (x) | 2.1035% | 4,335 |
| Efficiency ratio | 91.1468% | 939 |
| Assets per employee ($millions) | 5.2647% | 1,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 4,131 |
| Loan loss allowance to noncurrent loans | 48.2657% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 4.4907% | 560 |
| Noncurrent loans to loans | 2.6999% | 1,352 |
| Net loans and leases to total assets | 80.6963% | 526 |
| Net loans and leases to deposits | 89.8846% | 1,250 |
| Net loans and leases to core deposits | 90.9845% | 1,909 |
| Total domestic deposits to total assets | 89.7777% | 1,196 |
| Equity capital to assets | 8.5270% | 5,552 |
| Core capital (leverage) ratio | 9.6638% | 4,035 |
| Tier 1 risk-based capital ratio | 9.9243% | 6,535 |
| Total risk-based capital ratio | 11.0481% | 6,524 |
| Memoranda: | ||
| Average total assets | $332,232,800 | 1,936 |
| Average earning assets | $301,378,400 | 1,966 |
| Average equity | $28,797,200 | 2,319 |
| Average total loans | $267,307,200 | 1,566 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7321% | 1,520 |
| Cost of funding earning assets | 0.3897% | 4,904 |
| Net interest margin | 4.3424% | 1,003 |
| Noninterest income to average assets | 1.1442% | 1,117 |
| Noninterest expense to average assets | 4.7314% | 426 |
| Loan and lease loss provision to assets | -0.1208% | 6,652 |
| Net operating income to assets | 0.4781% | 4,898 |
| Return on assets (ROA) | 0.4342% | 5,242 |
| Pretax return on assets | 0.4342% | 5,541 |
| Return on Equity (ROE) | 4.9882% | 4,729 |
| Retained earnings to average equity (ytd only) | 4.9882% | 3,094 |
| Net charge-offs to loans | 0.0216% | 4,694 |
| Credit loss provision to net charge-offs | -697.6744% | 6,121 |
| Earnings coverage of net charge-offs (x) | 20.6286% | 1,579 |
| Efficiency ratio | 92.9798% | 790 |
| Assets per employee ($millions) | 4.8955% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5831% | 3,081 |
| Loan loss allowance to noncurrent loans | 58.9283% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 4.7510% | 613 |
| Noncurrent loans to loans | 2.6864% | 1,578 |
| Net loans and leases to total assets | 80.1415% | 531 |
| Net loans and leases to deposits | 89.3877% | 1,235 |
| Net loans and leases to core deposits | 90.3812% | 1,934 |
| Total domestic deposits to total assets | 89.6561% | 1,191 |
| Equity capital to assets | 9.1042% | 5,053 |
| Core capital (leverage) ratio | 9.8866% | 3,836 |
| Tier 1 risk-based capital ratio | 10.1173% | 6,566 |
| Total risk-based capital ratio | 11.3681% | 6,539 |
| Memoranda: | ||
| Average total assets | $331,055,750 | 1,957 |
| Average earning assets | $300,716,500 | 1,979 |
| Average equity | $28,813,750 | 2,344 |
| Average total loans | $265,261,750 | 1,579 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7382% | 1,465 |
| Cost of funding earning assets | 0.4237% | 4,720 |
| Net interest margin | 4.3145% | 1,003 |
| Noninterest income to average assets | 1.1004% | 1,252 |
| Noninterest expense to average assets | 4.4111% | 570 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6250% | 4,179 |
| Return on assets (ROA) | 0.5600% | 4,671 |
| Pretax return on assets | 0.5600% | 5,162 |
| Return on Equity (ROE) | 6.5295% | 3,865 |
| Retained earnings to average equity (ytd only) | 4.7911% | 3,191 |
| Net charge-offs to loans | 0.0576% | 3,878 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 13.6104% | 1,889 |
| Efficiency ratio | 87.5888% | 1,266 |
| Assets per employee ($millions) | 4.3961% | 2,993 |
| Cash dividends to net income (ytd only)* | 26.6241% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 2,886 |
| Loan loss allowance to noncurrent loans | 62.0896% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 4.8455% | 641 |
| Noncurrent loans to loans | 2.6953% | 1,691 |
| Net loans and leases to total assets | 84.6089% | 202 |
| Net loans and leases to deposits | 94.8598% | 749 |
| Net loans and leases to core deposits | 95.9697% | 1,362 |
| Total domestic deposits to total assets | 89.1937% | 1,511 |
| Equity capital to assets | 9.5361% | 4,538 |
| Core capital (leverage) ratio | 9.6462% | 4,014 |
| Tier 1 risk-based capital ratio | 10.1419% | 6,600 |
| Total risk-based capital ratio | 11.3937% | 6,576 |
| Memoranda: | ||
| Average total assets | $335,339,000 | 1,934 |
| Average earning assets | $305,896,330 | 1,955 |
| Average equity | $28,761,670 | 2,361 |
| Average total loans | $267,310,000 | 1,567 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6479% | 1,683 |
| Cost of funding earning assets | 0.4305% | 4,802 |
| Net interest margin | 4.2175% | 1,146 |
| Noninterest income to average assets | 0.7878% | 2,175 |
| Noninterest expense to average assets | 3.9790% | 907 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6683% | 3,857 |
| Return on assets (ROA) | 0.5442% | 4,630 |
| Pretax return on assets | 0.5442% | 5,134 |
| Return on Equity (ROE) | 6.6668% | 3,684 |
| Retained earnings to average equity (ytd only) | 3.1800% | 4,353 |
| Net charge-offs to loans | 0.1257% | 2,665 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.9059% | 2,149 |
| Efficiency ratio | 85.6198% | 1,561 |
| Assets per employee ($millions) | 5.0012% | 2,208 |
| Cash dividends to net income (ytd only)* | 52.3013% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6210% | 3,312 |
| Loan loss allowance to noncurrent loans | 72.0661% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 4.1981% | 912 |
| Noncurrent loans to loans | 2.2494% | 2,331 |
| Net loans and leases to total assets | 77.8064% | 634 |
| Net loans and leases to deposits | 87.8494% | 1,164 |
| Net loans and leases to core deposits | 88.8470% | 1,822 |
| Total domestic deposits to total assets | 88.5680% | 1,963 |
| Equity capital to assets | 8.4768% | 6,041 |
| Core capital (leverage) ratio | 9.4529% | 4,159 |
| Tier 1 risk-based capital ratio | 10.1665% | 6,663 |
| Total risk-based capital ratio | 11.4180% | 6,648 |
| Memoranda: | ||
| Average total assets | $351,343,000 | 1,885 |
| Average earning assets | $321,519,500 | 1,882 |
| Average equity | $28,679,500 | 2,408 |
| Average total loans | $270,458,500 | 1,567 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9174% | 1,778 |
| Cost of funding earning assets | 0.5856% | 4,483 |
| Net interest margin | 4.3319% | 1,322 |
| Noninterest income to average assets | 0.8838% | 1,920 |
| Noninterest expense to average assets | 4.2053% | 761 |
| Loan and lease loss provision to assets | 0.0674% | 4,909 |
| Net operating income to assets | 0.5509% | 4,469 |
| Return on assets (ROA) | 0.3841% | 5,396 |
| Pretax return on assets | 0.3841% | 5,613 |
| Return on Equity (ROE) | 5.0130% | 4,671 |
| Retained earnings to average equity (ytd only) | 5.0130% | 2,693 |
| Net charge-offs to loans | 0.2699% | 3,318 |
| Credit loss provision to net charge-offs | 31.4578% | 5,094 |
| Earnings coverage of net charge-offs (x) | 2.8875% | 3,985 |
| Efficiency ratio | 87.1828% | 1,309 |
| Assets per employee ($millions) | 5.2552% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6345% | 3,167 |
| Loan loss allowance to noncurrent loans | 67.6457% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 4.1034% | 1,034 |
| Noncurrent loans to loans | 2.4162% | 2,205 |
| Net loans and leases to total assets | 73.7737% | 1,223 |
| Net loans and leases to deposits | 82.5527% | 1,929 |
| Net loans and leases to core deposits | 83.4234% | 2,615 |
| Total domestic deposits to total assets | 89.3656% | 1,322 |
| Equity capital to assets | 7.8683% | 6,471 |
| Core capital (leverage) ratio | 9.1996% | 4,580 |
| Tier 1 risk-based capital ratio | 9.9269% | 6,719 |
| Total risk-based capital ratio | 11.1782% | 6,684 |
| Memoranda: | ||
| Average total assets | $365,228,600 | 1,782 |
| Average earning assets | $332,165,400 | 1,780 |
| Average equity | $27,987,200 | 2,395 |
| Average total loans | $289,741,200 | 1,453 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0651% | 1,512 |
| Cost of funding earning assets | 0.6148% | 4,499 |
| Net interest margin | 4.4503% | 1,089 |
| Noninterest income to average assets | 1.0819% | 1,286 |
| Noninterest expense to average assets | 4.1017% | 824 |
| Loan and lease loss provision to assets | 0.1807% | 3,330 |
| Net operating income to assets | 0.8538% | 3,193 |
| Return on assets (ROA) | 0.6344% | 4,470 |
| Pretax return on assets | 0.6344% | 5,067 |
| Return on Equity (ROE) | 8.3346% | 3,115 |
| Retained earnings to average equity (ytd only) | 8.3346% | 1,474 |
| Net charge-offs to loans | 0.1931% | 3,573 |
| Credit loss provision to net charge-offs | 116.4319% | 2,496 |
| Earnings coverage of net charge-offs (x) | 6.6643% | 2,746 |
| Efficiency ratio | 79.8581% | 2,114 |
| Assets per employee ($millions) | 5.0337% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8358% | 2,691 |
| Loan loss allowance to noncurrent loans | 76.8681% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 4.3478% | 1,076 |
| Noncurrent loans to loans | 2.3882% | 2,418 |
| Net loans and leases to total assets | 75.5725% | 1,033 |
| Net loans and leases to deposits | 86.2911% | 1,567 |
| Net loans and leases to core deposits | 87.5760% | 2,261 |
| Total domestic deposits to total assets | 87.5785% | 2,304 |
| Equity capital to assets | 8.0670% | 6,562 |
| Core capital (leverage) ratio | 8.8903% | 5,209 |
| Tier 1 risk-based capital ratio | 10.1553% | 6,764 |
| Total risk-based capital ratio | 11.4092% | 6,737 |
| Memoranda: | ||
| Average total assets | $365,884,250 | 1,801 |
| Average earning assets | $333,332,500 | 1,801 |
| Average equity | $27,851,250 | 2,425 |
| Average total loans | $294,188,250 | 1,443 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0852% | 1,542 |
| Cost of funding earning assets | 0.6403% | 4,527 |
| Net interest margin | 4.4450% | 1,090 |
| Noninterest income to average assets | 0.9379% | 1,655 |
| Noninterest expense to average assets | 3.9348% | 1,029 |
| Loan and lease loss provision to assets | 0.1866% | 3,236 |
| Net operating income to assets | 0.8798% | 2,998 |
| Return on assets (ROA) | 0.6818% | 4,233 |
| Pretax return on assets | 0.6818% | 4,880 |
| Return on Equity (ROE) | 9.1336% | 2,751 |
| Retained earnings to average equity (ytd only) | 9.1336% | 1,225 |
| Net charge-offs to loans | 0.2715% | 2,957 |
| Credit loss provision to net charge-offs | 84.3137% | 3,202 |
| Earnings coverage of net charge-offs (x) | 4.8186% | 2,982 |
| Efficiency ratio | 78.6768% | 2,374 |
| Assets per employee ($millions) | 4.6106% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7061% | 3,203 |
| Loan loss allowance to noncurrent loans | 70.7788% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 4.5442% | 1,088 |
| Noncurrent loans to loans | 2.4104% | 2,497 |
| Net loans and leases to total assets | 80.8466% | 422 |
| Net loans and leases to deposits | 93.8960% | 779 |
| Net loans and leases to core deposits | 95.6624% | 1,457 |
| Total domestic deposits to total assets | 86.1022% | 3,304 |
| Equity capital to assets | 8.0379% | 6,544 |
| Core capital (leverage) ratio | 8.6820% | 5,405 |
| Tier 1 risk-based capital ratio | 9.5924% | 6,913 |
| Total risk-based capital ratio | 10.8452% | 6,902 |
| Memoranda: | ||
| Average total assets | $368,713,670 | 1,788 |
| Average earning assets | $337,055,000 | 1,783 |
| Average equity | $27,524,670 | 2,443 |
| Average total loans | $300,536,330 | 1,415 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0798% | 1,635 |
| Cost of funding earning assets | 0.6585% | 4,653 |
| Net interest margin | 4.4213% | 1,183 |
| Noninterest income to average assets | 0.8140% | 2,096 |
| Noninterest expense to average assets | 3.7145% | 1,355 |
| Loan and lease loss provision to assets | 0.2615% | 2,365 |
| Net operating income to assets | 0.8966% | 2,937 |
| Return on assets (ROA) | 0.7992% | 3,619 |
| Pretax return on assets | 0.7992% | 4,415 |
| Return on Equity (ROE) | 11.1011% | 1,984 |
| Retained earnings to average equity (ytd only) | 11.1011% | 1,003 |
| Net charge-offs to loans | 0.0522% | 3,980 |
| Credit loss provision to net charge-offs | 617.5000% | 553 |
| Earnings coverage of net charge-offs (x) | 27.3500% | 989 |
| Efficiency ratio | 76.2329% | 2,757 |
| Assets per employee ($millions) | 4.9588% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7011% | 3,349 |
| Loan loss allowance to noncurrent loans | 71.6674% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 4.5318% | 1,175 |
| Noncurrent loans to loans | 2.3736% | 2,729 |
| Net loans and leases to total assets | 79.5500% | 455 |
| Net loans and leases to deposits | 93.8056% | 680 |
| Net loans and leases to core deposits | 95.2716% | 1,353 |
| Total domestic deposits to total assets | 84.8031% | 4,122 |
| Equity capital to assets | 7.3461% | 6,835 |
| Core capital (leverage) ratio | 8.2665% | 5,932 |
| Tier 1 risk-based capital ratio | 8.9779% | 7,033 |
| Total risk-based capital ratio | 10.2306% | 7,037 |
| Memoranda: | ||
| Average total assets | $377,869,500 | 1,754 |
| Average earning assets | $346,866,000 | 1,743 |
| Average equity | $27,204,500 | 2,461 |
| Average total loans | $306,702,000 | 1,380 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2768% | 1,782 |
| Cost of funding earning assets | 0.8795% | 4,257 |
| Net interest margin | 4.3973% | 1,407 |
| Noninterest income to average assets | 0.7057% | 2,570 |
| Noninterest expense to average assets | 4.3772% | 667 |
| Loan and lease loss provision to assets | 0.8730% | 1,113 |
| Net operating income to assets | -0.4791% | 6,471 |
| Return on assets (ROA) | -0.8240% | 6,696 |
| Pretax return on assets | -0.8240% | 6,656 |
| Return on Equity (ROE) | -11.5956% | 6,780 |
| Retained earnings to average equity (ytd only) | -14.2787% | 6,847 |
| Net charge-offs to loans | 0.8322% | 2,087 |
| Credit loss provision to net charge-offs | 126.5714% | 2,454 |
| Earnings coverage of net charge-offs (x) | 0.5711% | 5,401 |
| Efficiency ratio | 91.7445% | 1,060 |
| Assets per employee ($millions) | 4.7959% | 2,457 |
| Cash dividends to net income (ytd only)* | -23.1390% | 7,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6150% | 3,529 |
| Loan loss allowance to noncurrent loans | 71.5970% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 4.4991% | 1,221 |
| Noncurrent loans to loans | 2.2557% | 2,891 |
| Net loans and leases to total assets | 80.0896% | 487 |
| Net loans and leases to deposits | 94.2562% | 794 |
| Net loans and leases to core deposits | 97.0890% | 1,403 |
| Total domestic deposits to total assets | 84.9702% | 3,866 |
| Equity capital to assets | 7.0536% | 6,950 |
| Core capital (leverage) ratio | 7.6680% | 6,559 |
| Tier 1 risk-based capital ratio | 8.5217% | 7,083 |
| Total risk-based capital ratio | 9.7733% | 7,083 |
| Memoranda: | ||
| Average total assets | $405,971,000 | 1,598 |
| Average earning assets | $375,325,200 | 1,585 |
| Average equity | $28,847,200 | 2,282 |
| Average total loans | $336,455,200 | 1,260 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3361% | 1,733 |
| Cost of funding earning assets | 0.9175% | 4,289 |
| Net interest margin | 4.4186% | 1,353 |
| Noninterest income to average assets | 0.7798% | 2,140 |
| Noninterest expense to average assets | 4.2808% | 728 |
| Loan and lease loss provision to assets | 1.1448% | 702 |
| Net operating income to assets | -0.5453% | 6,659 |
| Return on assets (ROA) | -0.9607% | 6,901 |
| Pretax return on assets | -0.9607% | 6,858 |
| Return on Equity (ROE) | -13.4973% | 6,979 |
| Retained earnings to average equity (ytd only) | -17.0100% | 7,031 |
| Net charge-offs to loans | 1.0889% | 1,461 |
| Credit loss provision to net charge-offs | 126.3458% | 2,537 |
| Earnings coverage of net charge-offs (x) | 0.6617% | 5,128 |
| Efficiency ratio | 87.7151% | 1,369 |
| Assets per employee ($millions) | 5.0289% | 2,155 |
| Cash dividends to net income (ytd only)* | -26.0255% | 7,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 3,868 |
| Loan loss allowance to noncurrent loans | 69.6334% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 4.3031% | 1,408 |
| Noncurrent loans to loans | 2.2324% | 3,072 |
| Net loans and leases to total assets | 78.3301% | 680 |
| Net loans and leases to deposits | 92.2720% | 991 |
| Net loans and leases to core deposits | 96.0599% | 1,605 |
| Total domestic deposits to total assets | 84.8904% | 3,819 |
| Equity capital to assets | 6.7099% | 7,101 |
| Core capital (leverage) ratio | 7.4206% | 6,805 |
| Tier 1 risk-based capital ratio | 8.3824% | 7,164 |
| Total risk-based capital ratio | 9.6334% | 7,167 |
| Memoranda: | ||
| Average total assets | $412,745,500 | 1,585 |
| Average earning assets | $383,040,500 | 1,556 |
| Average equity | $29,378,000 | 2,237 |
| Average total loans | $343,464,250 | 1,249 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4080% | 1,538 |
| Cost of funding earning assets | 0.9488% | 4,327 |
| Net interest margin | 4.4592% | 1,226 |
| Noninterest income to average assets | 0.7751% | 2,132 |
| Noninterest expense to average assets | 4.4558% | 625 |
| Loan and lease loss provision to assets | 0.4209% | 2,328 |
| Net operating income to assets | 0.0514% | 6,117 |
| Return on assets (ROA) | -0.4536% | 6,676 |
| Pretax return on assets | -0.4536% | 6,628 |
| Return on Equity (ROE) | -6.2574% | 6,793 |
| Retained earnings to average equity (ytd only) | -11.3879% | 6,926 |
| Net charge-offs to loans | 0.5660% | 2,411 |
| Credit loss provision to net charge-offs | 88.1288% | 3,513 |
| Earnings coverage of net charge-offs (x) | 0.9889% | 4,556 |
| Efficiency ratio | 90.4154% | 1,216 |
| Assets per employee ($millions) | 5.0576% | 2,046 |
| Cash dividends to net income (ytd only)* | -81.9915% | 7,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 5,476 |
| Loan loss allowance to noncurrent loans | 30.9536% | 6,206 |
| Noncurrent assets plus other real estate owned to assets | 4.5466% | 1,381 |
| Noncurrent loans to loans | 3.9336% | 1,761 |
| Net loans and leases to total assets | 81.5716% | 403 |
| Net loans and leases to deposits | 99.0157% | 541 |
| Net loans and leases to core deposits | 107.2608% | 850 |
| Total domestic deposits to total assets | 82.3825% | 5,030 |
| Equity capital to assets | 7.0933% | 7,078 |
| Core capital (leverage) ratio | 7.8137% | 6,499 |
| Tier 1 risk-based capital ratio | 8.5374% | 7,211 |
| Total risk-based capital ratio | 9.8084% | 7,212 |
| Memoranda: | ||
| Average total assets | $416,222,670 | 1,584 |
| Average earning assets | $387,649,670 | 1,550 |
| Average equity | $30,172,330 | 2,178 |
| Average total loans | $351,249,330 | 1,230 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5226% | 1,237 |
| Cost of funding earning assets | 0.9826% | 4,330 |
| Net interest margin | 4.5400% | 981 |
| Noninterest income to average assets | 0.8753% | 1,747 |
| Noninterest expense to average assets | 3.1218% | 3,173 |
| Loan and lease loss provision to assets | 0.3128% | 2,670 |
| Net operating income to assets | 1.6524% | 623 |
| Return on assets (ROA) | 1.6524% | 656 |
| Pretax return on assets | 1.6524% | 1,074 |
| Return on Equity (ROE) | 22.5585% | 229 |
| Retained earnings to average equity (ytd only) | 15.1258% | 383 |
| Net charge-offs to loans | 0.2516% | 3,078 |
| Credit loss provision to net charge-offs | 145.7778% | 1,944 |
| Earnings coverage of net charge-offs (x) | 9.1600% | 1,755 |
| Efficiency ratio | 61.3683% | 5,787 |
| Assets per employee ($millions) | 4.9352% | 2,251 |
| Cash dividends to net income (ytd only)* | 32.9486% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 5,510 |
| Loan loss allowance to noncurrent loans | 31.0577% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 4.6081% | 1,401 |
| Noncurrent loans to loans | 3.9381% | 1,860 |
| Net loans and leases to total assets | 82.5812% | 301 |
| Net loans and leases to deposits | 93.8530% | 846 |
| Net loans and leases to core deposits | 110.9066% | 686 |
| Total domestic deposits to total assets | 87.9899% | 2,375 |
| Equity capital to assets | 7.3784% | 6,938 |
| Core capital (leverage) ratio | 8.6008% | 5,263 |
| Tier 1 risk-based capital ratio | 8.5932% | 7,255 |
| Total risk-based capital ratio | 9.6235% | 7,270 |
| Memoranda: | ||
| Average total assets | $419,501,000 | 1,590 |
| Average earning assets | $389,164,000 | 1,559 |
| Average equity | $30,729,000 | 2,131 |
| Average total loans | $357,729,000 | 1,225 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5566% | 2,061 |
| Cost of funding earning assets | 1.3376% | 3,651 |
| Net interest margin | 4.2190% | 2,105 |
| Noninterest income to average assets | 0.4554% | 4,481 |
| Noninterest expense to average assets | 4.7054% | 542 |
| Loan and lease loss provision to assets | 0.6286% | 2,614 |
| Net operating income to assets | -0.9942% | 6,679 |
| Return on assets (ROA) | -1.3181% | 6,861 |
| Pretax return on assets | -1.3181% | 6,784 |
| Return on Equity (ROE) | -16.0380% | 6,953 |
| Retained earnings to average equity (ytd only) | -21.2743% | 7,039 |
| Net charge-offs to loans | 0.9198% | 2,341 |
| Credit loss provision to net charge-offs | 78.9966% | 5,588 |
| Earnings coverage of net charge-offs (x) | -0.4595% | 6,434 |
| Efficiency ratio | 108.4247% | 567 |
| Assets per employee ($millions) | 4.7111% | 2,543 |
| Cash dividends to net income (ytd only)* | -32.6489% | 7,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 5,625 |
| Loan loss allowance to noncurrent loans | 38.2988% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 3.9351% | 1,732 |
| Noncurrent loans to loans | 3.0678% | 2,486 |
| Net loans and leases to total assets | 85.9637% | 183 |
| Net loans and leases to deposits | 97.7589% | 739 |
| Net loans and leases to core deposits | 115.7557% | 651 |
| Total domestic deposits to total assets | 87.9344% | 2,289 |
| Equity capital to assets | 7.2706% | 7,009 |
| Core capital (leverage) ratio | 8.0046% | 6,198 |
| Tier 1 risk-based capital ratio | 8.2237% | 7,335 |
| Total risk-based capital ratio | 9.2182% | 7,357 |
| Memoranda: | ||
| Average total assets | $443,367,400 | 1,500 |
| Average earning assets | $408,197,400 | 1,489 |
| Average equity | $36,438,400 | 1,817 |
| Average total loans | $383,560,800 | 1,182 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5486% | 2,264 |
| Cost of funding earning assets | 1.4049% | 3,552 |
| Net interest margin | 4.1437% | 2,433 |
| Noninterest income to average assets | 0.4868% | 4,289 |
| Noninterest expense to average assets | 2.9781% | 3,828 |
| Loan and lease loss provision to assets | 0.3930% | 3,537 |
| Net operating income to assets | 0.9244% | 2,520 |
| Return on assets (ROA) | 0.8286% | 3,026 |
| Pretax return on assets | 0.8286% | 3,804 |
| Return on Equity (ROE) | 9.8211% | 2,200 |
| Retained earnings to average equity (ytd only) | 5.3104% | 2,764 |
| Net charge-offs to loans | 0.3963% | 3,700 |
| Credit loss provision to net charge-offs | 114.7796% | 3,645 |
| Earnings coverage of net charge-offs (x) | 3.8479% | 3,278 |
| Efficiency ratio | 69.3304% | 4,202 |
| Assets per employee ($millions) | 4.9060% | 2,311 |
| Cash dividends to net income (ytd only)* | 45.9285% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 4,653 |
| Loan loss allowance to noncurrent loans | 44.1936% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 4.1467% | 1,660 |
| Noncurrent loans to loans | 3.0830% | 2,592 |
| Net loans and leases to total assets | 85.3729% | 242 |
| Net loans and leases to deposits | 97.9793% | 795 |
| Net loans and leases to core deposits | 118.2584% | 675 |
| Total domestic deposits to total assets | 87.1336% | 2,457 |
| Equity capital to assets | 8.8523% | 5,774 |
| Core capital (leverage) ratio | 9.9463% | 3,302 |
| Tier 1 risk-based capital ratio | 9.9515% | 7,089 |
| Total risk-based capital ratio | 11.1095% | 7,129 |
| Memoranda: | ||
| Average total assets | $450,565,500 | 1,500 |
| Average earning assets | $414,145,500 | 1,486 |
| Average equity | $38,012,500 | 1,749 |
| Average total loans | $389,295,750 | 1,169 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6428% | 1,972 |
| Cost of funding earning assets | 1.4955% | 3,277 |
| Net interest margin | 4.1474% | 2,345 |
| Noninterest income to average assets | 0.5980% | 3,347 |
| Noninterest expense to average assets | 2.9301% | 3,961 |
| Loan and lease loss provision to assets | 0.1573% | 5,321 |
| Net operating income to assets | 1.3001% | 1,306 |
| Return on assets (ROA) | 1.1577% | 1,739 |
| Pretax return on assets | 1.1577% | 2,557 |
| Return on Equity (ROE) | 13.9420% | 1,052 |
| Retained earnings to average equity (ytd only) | 9.3705% | 989 |
| Net charge-offs to loans | 0.1531% | 4,720 |
| Credit loss provision to net charge-offs | 118.9369% | 3,419 |
| Earnings coverage of net charge-offs (x) | 11.0199% | 1,810 |
| Efficiency ratio | 66.7835% | 4,823 |
| Assets per employee ($millions) | 4.9126% | 2,290 |
| Cash dividends to net income (ytd only)* | 32.7894% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 4,839 |
| Loan loss allowance to noncurrent loans | 44.3691% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 3.9575% | 1,751 |
| Noncurrent loans to loans | 2.9590% | 2,707 |
| Net loans and leases to total assets | 86.5647% | 191 |
| Net loans and leases to deposits | 101.0255% | 650 |
| Net loans and leases to core deposits | 123.4307% | 586 |
| Total domestic deposits to total assets | 85.6859% | 3,270 |
| Equity capital to assets | 8.8964% | 5,607 |
| Core capital (leverage) ratio | 9.8092% | 3,387 |
| Tier 1 risk-based capital ratio | 10.0281% | 7,005 |
| Total risk-based capital ratio | 11.1620% | 7,051 |
| Memoranda: | ||
| Average total assets | $455,209,330 | 1,499 |
| Average earning assets | $415,927,000 | 1,488 |
| Average equity | $37,799,330 | 1,758 |
| Average total loans | $393,089,000 | 1,168 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7046% | 1,760 |
| Cost of funding earning assets | 1.5940% | 3,000 |
| Net interest margin | 4.1106% | 2,399 |
| Noninterest income to average assets | 0.8246% | 1,912 |
| Noninterest expense to average assets | 2.9203% | 3,983 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6510% | 682 |
| Return on assets (ROA) | 1.5304% | 913 |
| Pretax return on assets | 1.5304% | 1,440 |
| Return on Equity (ROE) | 19.0709% | 435 |
| Retained earnings to average equity (ytd only) | 14.9367% | 417 |
| Net charge-offs to loans | 0.1779% | 3,855 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 10.8249% | 1,708 |
| Efficiency ratio | 63.8831% | 5,517 |
| Assets per employee ($millions) | 5.3716% | 1,804 |
| Cash dividends to net income (ytd only)* | 21.6779% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 5,329 |
| Loan loss allowance to noncurrent loans | 43.9451% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 3.6300% | 1,929 |
| Noncurrent loans to loans | 2.8012% | 2,860 |
| Net loans and leases to total assets | 84.3686% | 337 |
| Net loans and leases to deposits | 98.3100% | 880 |
| Net loans and leases to core deposits | 120.1033% | 781 |
| Total domestic deposits to total assets | 85.8189% | 3,245 |
| Equity capital to assets | 8.3603% | 6,211 |
| Core capital (leverage) ratio | 9.3201% | 4,018 |
| Tier 1 risk-based capital ratio | 9.7358% | 7,191 |
| Total risk-based capital ratio | 10.7942% | 7,277 |
| Memoranda: | ||
| Average total assets | $464,204,000 | 1,509 |
| Average earning assets | $423,099,000 | 1,513 |
| Average equity | $37,250,500 | 1,804 |
| Average total loans | $397,877,000 | 1,187 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4347% | 4,516 |
| Cost of funding earning assets | 1.9994% | 2,970 |
| Net interest margin | 3.4353% | 5,238 |
| Noninterest income to average assets | 0.4435% | 4,855 |
| Noninterest expense to average assets | 2.9256% | 4,441 |
| Loan and lease loss provision to assets | 1.4196% | 1,614 |
| Net operating income to assets | -0.6978% | 6,365 |
| Return on assets (ROA) | -1.2899% | 6,761 |
| Pretax return on assets | -1.2899% | 6,590 |
| Return on Equity (ROE) | -17.3672% | 7,050 |
| Retained earnings to average equity (ytd only) | -18.7594% | 7,057 |
| Net charge-offs to loans | 1.6026% | 1,575 |
| Credit loss provision to net charge-offs | 103.2747% | 5,346 |
| Earnings coverage of net charge-offs (x) | 0.5251% | 5,591 |
| Efficiency ratio | 80.2102% | 2,857 |
| Assets per employee ($millions) | 5.4232% | 1,718 |
| Cash dividends to net income (ytd only)* | -8.0158% | 7,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 5,197 |
| Loan loss allowance to noncurrent loans | 50.7959% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 3.1029% | 2,237 |
| Noncurrent loans to loans | 2.4154% | 3,143 |
| Net loans and leases to total assets | 84.9387% | 358 |
| Net loans and leases to deposits | 100.2507% | 880 |
| Net loans and leases to core deposits | 122.6212% | 1,739 |
| Total domestic deposits to total assets | 84.7264% | 3,698 |
| Equity capital to assets | 7.6998% | 6,859 |
| Core capital (leverage) ratio | 8.6794% | 4,958 |
| Tier 1 risk-based capital ratio | 9.0945% | 7,431 |
| Total risk-based capital ratio | 10.1523% | 7,530 |
| Memoranda: | ||
| Average total assets | $508,719,800 | 1,351 |
| Average earning assets | $474,450,400 | 1,331 |
| Average equity | $37,783,800 | 1,771 |
| Average total loans | $436,340,600 | 1,102 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4215% | 4,841 |
| Cost of funding earning assets | 2.0866% | 2,951 |
| Net interest margin | 3.3349% | 5,508 |
| Noninterest income to average assets | 0.4778% | 4,691 |
| Noninterest expense to average assets | 2.9081% | 4,422 |
| Loan and lease loss provision to assets | 0.4919% | 3,446 |
| Net operating income to assets | 0.2088% | 5,118 |
| Return on assets (ROA) | 0.0111% | 5,741 |
| Pretax return on assets | 0.0111% | 5,682 |
| Return on Equity (ROE) | 0.1503% | 5,730 |
| Retained earnings to average equity (ytd only) | -1.3316% | 5,567 |
| Net charge-offs to loans | 0.4411% | 3,480 |
| Credit loss provision to net charge-offs | 130.0885% | 3,851 |
| Earnings coverage of net charge-offs (x) | 1.8530% | 4,416 |
| Efficiency ratio | 80.5835% | 2,762 |
| Assets per employee ($millions) | 5.6649% | 1,461 |
| Cash dividends to net income (ytd only)* | 986.0806% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 5,104 |
| Loan loss allowance to noncurrent loans | 42.8760% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 2.7509% | 2,529 |
| Noncurrent loans to loans | 2.8003% | 2,711 |
| Net loans and leases to total assets | 86.6705% | 297 |
| Net loans and leases to deposits | 105.3497% | 689 |
| Net loans and leases to core deposits | 142.3927% | 824 |
| Total domestic deposits to total assets | 82.2694% | 4,561 |
| Equity capital to assets | 8.4651% | 6,292 |
| Core capital (leverage) ratio | 9.6748% | 3,680 |
| Tier 1 risk-based capital ratio | 9.7465% | 7,191 |
| Total risk-based capital ratio | 10.7768% | 7,322 |
| Memoranda: | ||
| Average total assets | $517,944,750 | 1,346 |
| Average earning assets | $486,276,250 | 1,315 |
| Average equity | $38,147,500 | 1,785 |
| Average total loans | $443,991,750 | 1,102 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3979% | 5,168 |
| Cost of funding earning assets | 2.1844% | 2,863 |
| Net interest margin | 3.2135% | 5,866 |
| Noninterest income to average assets | 0.4754% | 4,671 |
| Noninterest expense to average assets | 2.9131% | 4,457 |
| Loan and lease loss provision to assets | 0.3177% | 4,041 |
| Net operating income to assets | 0.2778% | 4,988 |
| Return on assets (ROA) | 0.2337% | 5,230 |
| Pretax return on assets | 0.2337% | 5,375 |
| Return on Equity (ROE) | 3.3282% | 4,775 |
| Retained earnings to average equity (ytd only) | 2.0456% | 4,204 |
| Net charge-offs to loans | 0.2295% | 4,061 |
| Credit loss provision to net charge-offs | 162.6459% | 2,826 |
| Earnings coverage of net charge-offs (x) | 3.0486% | 3,595 |
| Efficiency ratio | 83.0283% | 2,600 |
| Assets per employee ($millions) | 5.5963% | 1,500 |
| Cash dividends to net income (ytd only)* | 38.5366% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 5,205 |
| Loan loss allowance to noncurrent loans | 45.5943% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 2.5036% | 2,571 |
| Noncurrent loans to loans | 2.5410% | 2,847 |
| Net loans and leases to total assets | 83.1252% | 768 |
| Net loans and leases to deposits | 101.9592% | 1,075 |
| Net loans and leases to core deposits | 116.1386% | 2,697 |
| Total domestic deposits to total assets | 81.5279% | 4,888 |
| Equity capital to assets | 7.9490% | 6,810 |
| Core capital (leverage) ratio | 9.3348% | 4,123 |
| Tier 1 risk-based capital ratio | 9.7860% | 7,151 |
| Total risk-based capital ratio | 10.7820% | 7,320 |
| Memoranda: | ||
| Average total assets | $526,310,330 | 1,338 |
| Average earning assets | $496,784,330 | 1,301 |
| Average equity | $36,956,670 | 1,850 |
| Average total loans | $447,874,000 | 1,117 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4183% | 5,324 |
| Cost of funding earning assets | 2.2819% | 2,784 |
| Net interest margin | 3.1364% | 6,082 |
| Noninterest income to average assets | 0.3106% | 5,958 |
| Noninterest expense to average assets | 2.7829% | 4,634 |
| Loan and lease loss provision to assets | 0.1043% | 5,636 |
| Net operating income to assets | 0.3892% | 4,896 |
| Return on assets (ROA) | 0.3892% | 5,073 |
| Pretax return on assets | 0.3892% | 5,428 |
| Return on Equity (ROE) | 5.9281% | 4,069 |
| Retained earnings to average equity (ytd only) | 5.9281% | 2,662 |
| Net charge-offs to loans | 0.0433% | 4,871 |
| Credit loss provision to net charge-offs | 281.6327% | 1,710 |
| Earnings coverage of net charge-offs (x) | 13.3265% | 1,739 |
| Efficiency ratio | 84.9366% | 2,205 |
| Assets per employee ($millions) | 5.5872% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 5,629 |
| Loan loss allowance to noncurrent loans | 47.5012% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 2.2745% | 2,521 |
| Noncurrent loans to loans | 2.2679% | 2,901 |
| Net loans and leases to total assets | 83.6959% | 733 |
| Net loans and leases to deposits | 99.7564% | 1,445 |
| Net loans and leases to core deposits | 108.9658% | 3,567 |
| Total domestic deposits to total assets | 83.9003% | 3,752 |
| Equity capital to assets | 6.7622% | 7,781 |
| Core capital (leverage) ratio | 8.6500% | 5,258 |
| Tier 1 risk-based capital ratio | 8.7583% | 7,892 |
| Total risk-based capital ratio | 9.6318% | 7,996 |
| Memoranda: | ||
| Average total assets | $529,238,000 | 1,334 |
| Average earning assets | $500,450,500 | 1,292 |
| Average equity | $34,749,500 | 1,960 |
| Average total loans | $452,961,000 | 1,110 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0842% | 5,124 |
| Cost of funding earning assets | 2.6194% | 3,585 |
| Net interest margin | 3.4648% | 5,418 |
| Noninterest income to average assets | 0.3994% | 5,476 |
| Noninterest expense to average assets | 2.5909% | 5,685 |
| Loan and lease loss provision to assets | 0.6507% | 2,235 |
| Net operating income to assets | 0.4282% | 5,037 |
| Return on assets (ROA) | -0.0306% | 6,267 |
| Pretax return on assets | -0.0306% | 6,185 |
| Return on Equity (ROE) | -0.4199% | 6,288 |
| Retained earnings to average equity (ytd only) | -5.9723% | 6,662 |
| Net charge-offs to loans | 1.0381% | 1,188 |
| Credit loss provision to net charge-offs | 76.2826% | 5,972 |
| Earnings coverage of net charge-offs (x) | 1.2648% | 5,496 |
| Efficiency ratio | 70.6013% | 4,227 |
| Assets per employee ($millions) | 5.6741% | 1,334 |
| Cash dividends to net income (ytd only)* | -1,322.4242% | 8,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 5,719 |
| Loan loss allowance to noncurrent loans | 42.9385% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 2.3228% | 2,094 |
| Noncurrent loans to loans | 2.4210% | 2,264 |
| Net loans and leases to total assets | 85.6732% | 645 |
| Net loans and leases to deposits | 103.8559% | 1,357 |
| Net loans and leases to core deposits | 111.4497% | 3,619 |
| Total domestic deposits to total assets | 82.4923% | 4,001 |
| Equity capital to assets | 6.3685% | 7,971 |
| Core capital (leverage) ratio | 8.1823% | 6,194 |
| Tier 1 risk-based capital ratio | 8.9651% | 7,811 |
| Total risk-based capital ratio | 9.8826% | 8,025 |
| Memoranda: | ||
| Average total assets | $539,273,000 | 1,262 |
| Average earning assets | $509,010,400 | 1,211 |
| Average equity | $39,298,000 | 1,715 |
| Average total loans | $443,137,400 | 1,086 |