Home > Colombo Bank > Performance and Condition Ratios
Colombo Bank, Performance and Condition Ratios
| 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 | 3.3599% | 5,959 |
| Cost of funding earning assets | 1.1757% | 221 |
| Net interest margin | 2.1843% | 6,656 |
| Noninterest income to average assets | 1.0437% | 1,337 |
| Noninterest expense to average assets | 4.5695% | 483 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -1.4326% | 6,754 |
| Return on assets (ROA) | -1.4326% | 6,758 |
| Pretax return on assets | -1.4326% | 6,750 |
| Return on Equity (ROE) | -15.1590% | 6,732 |
| Retained earnings to average equity (ytd only) | -15.1590% | 6,705 |
| Net charge-offs to loans | 0.3152% | 1,966 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -8.3967% | 5,156 |
| Efficiency ratio | 145.6700% | 85 |
| Assets per employee ($millions) | 2.8028% | 6,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4681% | 966 |
| Loan loss allowance to noncurrent loans | 62.6518% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 3.0633% | 1,204 |
| Noncurrent loans to loans | 3.9393% | 897 |
| Net loans and leases to total assets | 55.2968% | 4,416 |
| Net loans and leases to deposits | 75.6113% | 3,013 |
| Net loans and leases to core deposits | 110.8356% | 548 |
| Total domestic deposits to total assets | 73.1330% | 6,426 |
| Equity capital to assets | 8.5749% | 5,655 |
| Core capital (leverage) ratio | 8.0803% | 6,168 |
| Tier 1 risk-based capital ratio | 16.1310% | 3,113 |
| Total risk-based capital ratio | 17.3642% | 3,089 |
| Memoranda: | ||
| Average total assets | $139,882,000 | 3,916 |
| Average earning assets | $134,047,000 | 3,788 |
| Average equity | $13,219,500 | 4,265 |
| Average total loans | $75,714,750 | 4,096 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2531% | 6,155 |
| Cost of funding earning assets | 1.1855% | 226 |
| Net interest margin | 2.0675% | 6,740 |
| Noninterest income to average assets | 1.2604% | 976 |
| Noninterest expense to average assets | 4.6926% | 449 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -1.4536% | 6,808 |
| Return on assets (ROA) | -1.4536% | 6,811 |
| Pretax return on assets | -1.4536% | 6,801 |
| Return on Equity (ROE) | -14.9189% | 6,796 |
| Retained earnings to average equity (ytd only) | -14.9189% | 6,760 |
| Net charge-offs to loans | 0.5855% | 1,130 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -4.6606% | 4,824 |
| Efficiency ratio | 144.8763% | 81 |
| Assets per employee ($millions) | 2.7043% | 6,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6506% | 827 |
| Loan loss allowance to noncurrent loans | 44.8332% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 4.2548% | 792 |
| Noncurrent loans to loans | 5.9120% | 490 |
| Net loans and leases to total assets | 52.2073% | 4,833 |
| Net loans and leases to deposits | 73.1627% | 3,268 |
| Net loans and leases to core deposits | 110.3243% | 552 |
| Total domestic deposits to total assets | 71.3578% | 6,598 |
| Equity capital to assets | 9.4591% | 4,633 |
| Core capital (leverage) ratio | 8.7580% | 5,346 |
| Tier 1 risk-based capital ratio | 18.1780% | 2,259 |
| Total risk-based capital ratio | 19.4109% | 2,225 |
| Memoranda: | ||
| Average total assets | $139,795,330 | 3,953 |
| Average earning assets | $133,781,670 | 3,826 |
| Average equity | $13,620,330 | 4,220 |
| Average total loans | $74,468,000 | 4,158 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2011% | 6,292 |
| Cost of funding earning assets | 1.1750% | 253 |
| Net interest margin | 2.0261% | 6,830 |
| Noninterest income to average assets | 0.7460% | 2,354 |
| Noninterest expense to average assets | 4.5099% | 529 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.8271% | 6,913 |
| Return on assets (ROA) | -1.8271% | 6,915 |
| Pretax return on assets | -1.8271% | 6,904 |
| Return on Equity (ROE) | -18.4960% | 6,889 |
| Retained earnings to average equity (ytd only) | -18.4960% | 6,815 |
| Net charge-offs to loans | 0.2439% | 1,993 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -14.1087% | 4,112 |
| Efficiency ratio | 168.1007% | 63 |
| Assets per employee ($millions) | 3.0188% | 5,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8396% | 785 |
| Loan loss allowance to noncurrent loans | 39.7419% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 5.5532% | 616 |
| Noncurrent loans to loans | 7.1451% | 403 |
| Net loans and leases to total assets | 50.4987% | 4,918 |
| Net loans and leases to deposits | 70.5901% | 3,376 |
| Net loans and leases to core deposits | 103.9265% | 718 |
| Total domestic deposits to total assets | 71.5378% | 6,680 |
| Equity capital to assets | 9.6213% | 4,678 |
| Core capital (leverage) ratio | 8.6335% | 5,413 |
| Tier 1 risk-based capital ratio | 18.9482% | 2,058 |
| Total risk-based capital ratio | 20.1836% | 2,037 |
| Memoranda: | ||
| Average total assets | $142,086,500 | 3,949 |
| Average earning assets | $135,826,500 | 3,831 |
| Average equity | $14,035,500 | 4,189 |
| Average total loans | $75,445,500 | 4,149 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8575% | 5,692 |
| Cost of funding earning assets | 1.3180% | 350 |
| Net interest margin | 2.5395% | 6,685 |
| Noninterest income to average assets | 0.7982% | 2,269 |
| Noninterest expense to average assets | 4.2455% | 724 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -1.0271% | 6,752 |
| Return on assets (ROA) | -0.9251% | 6,738 |
| Pretax return on assets | -0.9251% | 6,712 |
| Return on Equity (ROE) | -10.9766% | 6,748 |
| Retained earnings to average equity (ytd only) | -10.9766% | 6,672 |
| Net charge-offs to loans | 0.3051% | 3,118 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -6.2963% | 5,920 |
| Efficiency ratio | 131.9149% | 151 |
| Assets per employee ($millions) | 2.9644% | 6,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7739% | 846 |
| Loan loss allowance to noncurrent loans | 45.9721% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 5.1051% | 747 |
| Noncurrent loans to loans | 6.0339% | 592 |
| Net loans and leases to total assets | 52.7149% | 4,804 |
| Net loans and leases to deposits | 73.8217% | 3,120 |
| Net loans and leases to core deposits | 108.2320% | 602 |
| Total domestic deposits to total assets | 71.4084% | 6,719 |
| Equity capital to assets | 10.1342% | 3,992 |
| Core capital (leverage) ratio | 9.0780% | 4,772 |
| Tier 1 risk-based capital ratio | 20.7833% | 1,507 |
| Total risk-based capital ratio | 22.0205% | 1,484 |
| Memoranda: | ||
| Average total assets | $148,957,600 | 3,797 |
| Average earning assets | $141,958,600 | 3,695 |
| Average equity | $12,554,000 | 4,452 |
| Average total loans | $79,638,400 | 4,053 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8813% | 5,830 |
| Cost of funding earning assets | 1.3443% | 364 |
| Net interest margin | 2.5370% | 6,802 |
| Noninterest income to average assets | 0.7993% | 2,241 |
| Noninterest expense to average assets | 4.2161% | 706 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -1.0011% | 6,861 |
| Return on assets (ROA) | -0.8666% | 6,849 |
| Pretax return on assets | -0.8666% | 6,822 |
| Return on Equity (ROE) | -10.7988% | 6,874 |
| Retained earnings to average equity (ytd only) | -10.7988% | 6,835 |
| Net charge-offs to loans | -0.0316% | 6,588 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.1399% | 142 |
| Assets per employee ($millions) | 3.1610% | 5,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1489% | 630 |
| Loan loss allowance to noncurrent loans | 41.2007% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 6.1091% | 647 |
| Noncurrent loans to loans | 7.6429% | 433 |
| Net loans and leases to total assets | 50.8081% | 5,211 |
| Net loans and leases to deposits | 72.0740% | 3,604 |
| Net loans and leases to core deposits | 105.0747% | 800 |
| Total domestic deposits to total assets | 70.4943% | 6,820 |
| Equity capital to assets | 10.2554% | 4,128 |
| Core capital (leverage) ratio | 9.1647% | 4,811 |
| Tier 1 risk-based capital ratio | 20.6795% | 1,600 |
| Total risk-based capital ratio | 21.9219% | 1,570 |
| Memoranda: | ||
| Average total assets | $150,624,500 | 3,808 |
| Average earning assets | $143,421,000 | 3,708 |
| Average equity | $12,087,500 | 4,593 |
| Average total loans | $80,261,000 | 4,072 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8800% | 5,958 |
| Cost of funding earning assets | 1.3559% | 416 |
| Net interest margin | 2.5241% | 6,870 |
| Noninterest income to average assets | 0.6760% | 2,796 |
| Noninterest expense to average assets | 4.1033% | 833 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -1.0252% | 6,918 |
| Return on assets (ROA) | -0.8257% | 6,891 |
| Pretax return on assets | -0.8257% | 6,855 |
| Return on Equity (ROE) | -11.2866% | 6,927 |
| Retained earnings to average equity (ytd only) | -11.2866% | 6,863 |
| Net charge-offs to loans | -0.2696% | 7,055 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.3049% | 150 |
| Assets per employee ($millions) | 3.3181% | 5,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1896% | 647 |
| Loan loss allowance to noncurrent loans | 32.4525% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 7.8045% | 447 |
| Noncurrent loans to loans | 9.8286% | 282 |
| Net loans and leases to total assets | 48.5203% | 5,562 |
| Net loans and leases to deposits | 69.7482% | 3,937 |
| Net loans and leases to core deposits | 100.1655% | 1,091 |
| Total domestic deposits to total assets | 69.5651% | 6,926 |
| Equity capital to assets | 9.7449% | 4,700 |
| Core capital (leverage) ratio | 8.7614% | 5,280 |
| Tier 1 risk-based capital ratio | 19.5538% | 1,835 |
| Total risk-based capital ratio | 20.7966% | 1,808 |
| Memoranda: | ||
| Average total assets | $152,364,000 | 3,796 |
| Average earning assets | $145,000,000 | 3,694 |
| Average equity | $11,146,000 | 4,776 |
| Average total loans | $81,588,000 | 4,052 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2984% | 4,739 |
| Cost of funding earning assets | 1.3800% | 455 |
| Net interest margin | 2.9185% | 6,458 |
| Noninterest income to average assets | 0.4861% | 4,012 |
| Noninterest expense to average assets | 4.0220% | 910 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.7491% | 6,933 |
| Return on assets (ROA) | -0.3454% | 6,771 |
| Pretax return on assets | -0.3454% | 6,754 |
| Return on Equity (ROE) | -5.7014% | 6,873 |
| Retained earnings to average equity (ytd only) | -5.7014% | 6,633 |
| Net charge-offs to loans | 0.8739% | 1,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -1.5495% | 4,596 |
| Efficiency ratio | 122.8896% | 195 |
| Assets per employee ($millions) | 3.1742% | 5,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7478% | 1,058 |
| Loan loss allowance to noncurrent loans | 26.3656% | 6,328 |
| Noncurrent assets plus other real estate owned to assets | 7.6301% | 522 |
| Noncurrent loans to loans | 10.4218% | 275 |
| Net loans and leases to total assets | 52.2167% | 4,986 |
| Net loans and leases to deposits | 71.7278% | 3,468 |
| Net loans and leases to core deposits | 102.8899% | 819 |
| Total domestic deposits to total assets | 72.7984% | 6,839 |
| Equity capital to assets | 6.0146% | 7,075 |
| Core capital (leverage) ratio | 5.0871% | 7,114 |
| Tier 1 risk-based capital ratio | 10.7685% | 6,638 |
| Total risk-based capital ratio | 12.0065% | 6,631 |
| Memoranda: | ||
| Average total assets | $150,571,500 | 3,860 |
| Average earning assets | $143,773,000 | 3,749 |
| Average equity | $9,120,500 | 5,253 |
| Average total loans | $83,302,000 | 4,032 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9871% | 6,478 |
| Cost of funding earning assets | 1.4115% | 990 |
| Net interest margin | 2.5756% | 7,017 |
| Noninterest income to average assets | 0.3463% | 5,035 |
| Noninterest expense to average assets | 3.8961% | 1,190 |
| Loan and lease loss provision to assets | -0.0643% | 7,256 |
| Net operating income to assets | -1.0192% | 6,747 |
| Return on assets (ROA) | -0.9677% | 6,757 |
| Pretax return on assets | -0.9677% | 6,717 |
| Return on Equity (ROE) | -16.4111% | 6,923 |
| Retained earnings to average equity (ytd only) | -16.4111% | 6,902 |
| Net charge-offs to loans | 0.2065% | 4,508 |
| Credit loss provision to net charge-offs | -52.8796% | 6,671 |
| Earnings coverage of net charge-offs (x) | -8.9110% | 6,391 |
| Efficiency ratio | 138.5242% | 188 |
| Assets per employee ($millions) | 3.1658% | 5,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7548% | 1,029 |
| Loan loss allowance to noncurrent loans | 24.4686% | 6,452 |
| Noncurrent assets plus other real estate owned to assets | 7.7002% | 553 |
| Noncurrent loans to loans | 11.2586% | 255 |
| Net loans and leases to total assets | 55.3578% | 4,824 |
| Net loans and leases to deposits | 75.1125% | 3,325 |
| Net loans and leases to core deposits | 106.0087% | 792 |
| Total domestic deposits to total assets | 73.6998% | 6,749 |
| Equity capital to assets | 6.0991% | 7,086 |
| Core capital (leverage) ratio | 5.0853% | 7,136 |
| Tier 1 risk-based capital ratio | 10.0869% | 6,833 |
| Total risk-based capital ratio | 11.3272% | 6,822 |
| Memoranda: | ||
| Average total assets | $157,078,600 | 3,678 |
| Average earning assets | $150,411,400 | 3,575 |
| Average equity | $9,262,000 | 5,214 |
| Average total loans | $92,497,800 | 3,798 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0500% | 6,503 |
| Cost of funding earning assets | 1.4224% | 1,139 |
| Net interest margin | 2.6276% | 7,052 |
| Noninterest income to average assets | 0.1920% | 6,216 |
| Noninterest expense to average assets | 3.9117% | 1,131 |
| Loan and lease loss provision to assets | -0.0850% | 7,352 |
| Net operating income to assets | -1.1198% | 6,928 |
| Return on assets (ROA) | -1.0979% | 6,946 |
| Pretax return on assets | -1.0979% | 6,908 |
| Return on Equity (ROE) | -18.7746% | 7,083 |
| Retained earnings to average equity (ytd only) | -18.7746% | 7,066 |
| Net charge-offs to loans | 0.2553% | 3,836 |
| Credit loss provision to net charge-offs | -56.1111% | 6,476 |
| Earnings coverage of net charge-offs (x) | -7.9501% | 6,125 |
| Efficiency ratio | 144.5101% | 164 |
| Assets per employee ($millions) | 3.3029% | 5,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6009% | 1,263 |
| Loan loss allowance to noncurrent loans | 27.8469% | 6,365 |
| Noncurrent assets plus other real estate owned to assets | 6.9978% | 706 |
| Noncurrent loans to loans | 9.3399% | 406 |
| Net loans and leases to total assets | 57.7524% | 4,548 |
| Net loans and leases to deposits | 78.0676% | 2,971 |
| Net loans and leases to core deposits | 109.3731% | 704 |
| Total domestic deposits to total assets | 73.9775% | 6,763 |
| Equity capital to assets | 6.2009% | 7,166 |
| Core capital (leverage) ratio | 5.1222% | 7,224 |
| Tier 1 risk-based capital ratio | 9.6608% | 7,027 |
| Total risk-based capital ratio | 10.9008% | 7,029 |
| Memoranda: | ||
| Average total assets | $158,359,000 | 3,680 |
| Average earning assets | $151,569,250 | 3,576 |
| Average equity | $9,260,500 | 5,243 |
| Average total loans | $93,996,500 | 3,796 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9282% | 6,771 |
| Cost of funding earning assets | 1.4216% | 1,327 |
| Net interest margin | 2.5065% | 7,184 |
| Noninterest income to average assets | 0.1192% | 6,737 |
| Noninterest expense to average assets | 3.9473% | 1,123 |
| Loan and lease loss provision to assets | -0.1267% | 7,433 |
| Net operating income to assets | -1.3011% | 7,034 |
| Return on assets (ROA) | -1.2685% | 7,034 |
| Pretax return on assets | -1.2685% | 6,986 |
| Return on Equity (ROE) | -22.1258% | 7,171 |
| Retained earnings to average equity (ytd only) | -22.1258% | 7,158 |
| Net charge-offs to loans | -0.3635% | 7,364 |
| Credit loss provision to net charge-offs | 58.7209% | 4,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.6733% | 127 |
| Assets per employee ($millions) | 3.1865% | 5,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0198% | 881 |
| Loan loss allowance to noncurrent loans | 24.8574% | 6,531 |
| Noncurrent assets plus other real estate owned to assets | 8.1601% | 555 |
| Noncurrent loans to loans | 12.1485% | 245 |
| Net loans and leases to total assets | 56.4597% | 4,911 |
| Net loans and leases to deposits | 75.8904% | 3,496 |
| Net loans and leases to core deposits | 104.9727% | 984 |
| Total domestic deposits to total assets | 74.3964% | 6,798 |
| Equity capital to assets | 5.6578% | 7,278 |
| Core capital (leverage) ratio | 4.8172% | 7,312 |
| Tier 1 risk-based capital ratio | 9.0537% | 7,172 |
| Total risk-based capital ratio | 10.2985% | 7,174 |
| Memoranda: | ||
| Average total assets | $159,400,330 | 3,692 |
| Average earning assets | $152,640,670 | 3,587 |
| Average equity | $9,138,670 | 5,285 |
| Average total loans | $94,646,670 | 3,826 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8551% | 6,885 |
| Cost of funding earning assets | 1.4252% | 1,492 |
| Net interest margin | 2.4299% | 7,242 |
| Noninterest income to average assets | 0.4322% | 4,439 |
| Noninterest expense to average assets | 3.7309% | 1,477 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.9737% | 7,037 |
| Return on assets (ROA) | -0.9091% | 7,012 |
| Pretax return on assets | -0.9091% | 6,963 |
| Return on Equity (ROE) | -15.7572% | 7,161 |
| Retained earnings to average equity (ytd only) | -15.7572% | 7,064 |
| Net charge-offs to loans | -0.5678% | 7,424 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.3153% | 230 |
| Assets per employee ($millions) | 3.1854% | 5,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9654% | 945 |
| Loan loss allowance to noncurrent loans | 26.2862% | 6,499 |
| Noncurrent assets plus other real estate owned to assets | 8.0834% | 586 |
| Noncurrent loans to loans | 11.2810% | 325 |
| Net loans and leases to total assets | 58.9105% | 4,477 |
| Net loans and leases to deposits | 79.3276% | 2,839 |
| Net loans and leases to core deposits | 110.1645% | 711 |
| Total domestic deposits to total assets | 74.2623% | 6,878 |
| Equity capital to assets | 5.8244% | 7,305 |
| Core capital (leverage) ratio | 5.2232% | 7,337 |
| Tier 1 risk-based capital ratio | 9.5953% | 7,127 |
| Total risk-based capital ratio | 10.8413% | 7,130 |
| Memoranda: | ||
| Average total assets | $161,031,500 | 3,689 |
| Average earning assets | $154,080,500 | 3,582 |
| Average equity | $9,291,000 | 5,235 |
| Average total loans | $96,520,000 | 3,819 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4899% | 6,424 |
| Cost of funding earning assets | 1.5700% | 2,243 |
| Net interest margin | 2.9198% | 6,868 |
| Noninterest income to average assets | 0.9134% | 1,800 |
| Noninterest expense to average assets | 4.3963% | 726 |
| Loan and lease loss provision to assets | 1.2468% | 1,245 |
| Net operating income to assets | -1.9053% | 7,036 |
| Return on assets (ROA) | -1.7345% | 7,001 |
| Pretax return on assets | -1.7922% | 6,957 |
| Return on Equity (ROE) | -28.9761% | 7,210 |
| Retained earnings to average equity (ytd only) | -28.9761% | 7,198 |
| Net charge-offs to loans | 1.4195% | 1,567 |
| Credit loss provision to net charge-offs | 132.7085% | 2,955 |
| Earnings coverage of net charge-offs (x) | -0.7679% | 6,541 |
| Efficiency ratio | 119.6331% | 410 |
| Assets per employee ($millions) | 3.1919% | 5,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7208% | 1,141 |
| Loan loss allowance to noncurrent loans | 25.2669% | 6,584 |
| Noncurrent assets plus other real estate owned to assets | 7.0847% | 761 |
| Noncurrent loans to loans | 10.7683% | 365 |
| Net loans and leases to total assets | 57.6014% | 5,081 |
| Net loans and leases to deposits | 76.1635% | 3,814 |
| Net loans and leases to core deposits | 102.1639% | 1,441 |
| Total domestic deposits to total assets | 75.6286% | 6,675 |
| Equity capital to assets | 5.7183% | 7,377 |
| Core capital (leverage) ratio | 5.1330% | 7,407 |
| Tier 1 risk-based capital ratio | 9.6380% | 7,094 |
| Total risk-based capital ratio | 10.8822% | 7,104 |
| Memoranda: | ||
| Average total assets | $164,659,600 | 3,622 |
| Average earning assets | $155,727,600 | 3,526 |
| Average equity | $9,856,400 | 5,174 |
| Average total loans | $108,980,200 | 3,569 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6255% | 6,268 |
| Cost of funding earning assets | 1.6104% | 2,331 |
| Net interest margin | 3.0150% | 6,798 |
| Noninterest income to average assets | 0.9258% | 1,706 |
| Noninterest expense to average assets | 4.5119% | 580 |
| Loan and lease loss provision to assets | 1.2868% | 1,086 |
| Net operating income to assets | -1.9451% | 7,225 |
| Return on assets (ROA) | -1.7193% | 7,179 |
| Pretax return on assets | -1.7971% | 7,134 |
| Return on Equity (ROE) | -28.4010% | 7,363 |
| Retained earnings to average equity (ytd only) | -28.4010% | 7,354 |
| Net charge-offs to loans | 1.3434% | 1,510 |
| Credit loss provision to net charge-offs | 140.9778% | 2,810 |
| Earnings coverage of net charge-offs (x) | -0.8169% | 6,420 |
| Efficiency ratio | 119.7975% | 397 |
| Assets per employee ($millions) | 3.1433% | 5,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4898% | 1,346 |
| Loan loss allowance to noncurrent loans | 22.9087% | 6,762 |
| Noncurrent assets plus other real estate owned to assets | 7.6583% | 674 |
| Noncurrent loans to loans | 10.8682% | 354 |
| Net loans and leases to total assets | 60.6600% | 4,787 |
| Net loans and leases to deposits | 80.2543% | 3,401 |
| Net loans and leases to core deposits | 107.1928% | 1,222 |
| Total domestic deposits to total assets | 75.5847% | 6,721 |
| Equity capital to assets | 6.2161% | 7,463 |
| Core capital (leverage) ratio | 5.4659% | 7,501 |
| Tier 1 risk-based capital ratio | 9.5720% | 7,236 |
| Total risk-based capital ratio | 10.8148% | 7,233 |
| Memoranda: | ||
| Average total assets | $164,330,250 | 3,675 |
| Average earning assets | $154,820,500 | 3,604 |
| Average equity | $9,947,750 | 5,214 |
| Average total loans | $111,655,500 | 3,561 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6979% | 6,152 |
| Cost of funding earning assets | 1.6523% | 2,373 |
| Net interest margin | 3.0456% | 6,736 |
| Noninterest income to average assets | 0.8651% | 1,816 |
| Noninterest expense to average assets | 4.7844% | 439 |
| Loan and lease loss provision to assets | 1.5874% | 826 |
| Net operating income to assets | -2.5239% | 7,423 |
| Return on assets (ROA) | -2.5239% | 7,436 |
| Pretax return on assets | -2.6420% | 7,402 |
| Return on Equity (ROE) | -42.0862% | 7,545 |
| Retained earnings to average equity (ytd only) | -42.0862% | 7,537 |
| Net charge-offs to loans | 1.6485% | 1,150 |
| Credit loss provision to net charge-offs | 137.6734% | 2,910 |
| Earnings coverage of net charge-offs (x) | -0.9146% | 6,102 |
| Efficiency ratio | 128.2745% | 328 |
| Assets per employee ($millions) | 2.6453% | 6,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2830% | 1,615 |
| Loan loss allowance to noncurrent loans | 16.3267% | 7,101 |
| Noncurrent assets plus other real estate owned to assets | 10.2637% | 384 |
| Noncurrent loans to loans | 13.9831% | 198 |
| Net loans and leases to total assets | 67.9866% | 3,364 |
| Net loans and leases to deposits | 91.0675% | 1,685 |
| Net loans and leases to core deposits | 123.7230% | 577 |
| Total domestic deposits to total assets | 74.6552% | 6,890 |
| Equity capital to assets | 5.8942% | 7,554 |
| Core capital (leverage) ratio | 4.9462% | 7,608 |
| Tier 1 risk-based capital ratio | 7.6263% | 7,549 |
| Total risk-based capital ratio | 8.8666% | 7,557 |
| Memoranda: | ||
| Average total assets | $162,527,670 | 3,733 |
| Average earning assets | $152,875,330 | 3,658 |
| Average equity | $9,746,670 | 5,274 |
| Average total loans | $113,676,670 | 3,546 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7087% | 6,212 |
| Cost of funding earning assets | 1.6414% | 2,698 |
| Net interest margin | 3.0673% | 6,672 |
| Noninterest income to average assets | 0.7079% | 2,545 |
| Noninterest expense to average assets | 5.0452% | 356 |
| Loan and lease loss provision to assets | 2.2696% | 472 |
| Net operating income to assets | -3.5540% | 7,687 |
| Return on assets (ROA) | -3.5540% | 7,684 |
| Pretax return on assets | -3.7340% | 7,669 |
| Return on Equity (ROE) | -58.7780% | 7,741 |
| Retained earnings to average equity (ytd only) | -58.7780% | 7,732 |
| Net charge-offs to loans | 2.4180% | 690 |
| Credit loss provision to net charge-offs | 133.8594% | 2,637 |
| Earnings coverage of net charge-offs (x) | -0.8637% | 5,362 |
| Efficiency ratio | 140.8967% | 251 |
| Assets per employee ($millions) | 2.5352% | 7,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1000% | 1,954 |
| Loan loss allowance to noncurrent loans | 15.0400% | 7,204 |
| Noncurrent assets plus other real estate owned to assets | 10.2148% | 382 |
| Noncurrent loans to loans | 13.9626% | 213 |
| Net loans and leases to total assets | 68.0092% | 3,389 |
| Net loans and leases to deposits | 90.0821% | 1,887 |
| Net loans and leases to core deposits | 122.5042% | 689 |
| Total domestic deposits to total assets | 75.4968% | 6,833 |
| Equity capital to assets | 5.6429% | 7,666 |
| Core capital (leverage) ratio | 5.5868% | 7,639 |
| Tier 1 risk-based capital ratio | 8.2230% | 7,593 |
| Total risk-based capital ratio | 9.4617% | 7,599 |
| Memoranda: | ||
| Average total assets | $164,434,000 | 3,758 |
| Average earning assets | $154,011,500 | 3,692 |
| Average equity | $9,942,500 | 5,253 |
| Average total loans | $115,302,000 | 3,560 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2532% | 5,397 |
| Cost of funding earning assets | 2.0785% | 2,578 |
| Net interest margin | 3.1746% | 6,176 |
| Noninterest income to average assets | 0.7242% | 2,825 |
| Noninterest expense to average assets | 4.3156% | 970 |
| Loan and lease loss provision to assets | 3.4865% | 446 |
| Net operating income to assets | -2.4232% | 7,242 |
| Return on assets (ROA) | -2.0997% | 7,125 |
| Pretax return on assets | -3.5504% | 7,429 |
| Return on Equity (ROE) | -31.1621% | 7,425 |
| Retained earnings to average equity (ytd only) | -31.1621% | 7,410 |
| Net charge-offs to loans | 4.0877% | 395 |
| Credit loss provision to net charge-offs | 122.1742% | 4,332 |
| Earnings coverage of net charge-offs (x) | -0.1995% | 6,438 |
| Efficiency ratio | 115.1992% | 683 |
| Assets per employee ($millions) | 2.3779% | 7,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8669% | 2,348 |
| Loan loss allowance to noncurrent loans | 17.5675% | 7,155 |
| Noncurrent assets plus other real estate owned to assets | 7.6988% | 613 |
| Noncurrent loans to loans | 10.6272% | 367 |
| Net loans and leases to total assets | 69.4546% | 3,375 |
| Net loans and leases to deposits | 92.8557% | 1,757 |
| Net loans and leases to core deposits | 144.8938% | 645 |
| Total domestic deposits to total assets | 74.7984% | 6,899 |
| Equity capital to assets | 6.4518% | 7,571 |
| Core capital (leverage) ratio | 6.4957% | 7,496 |
| Tier 1 risk-based capital ratio | 9.5675% | 7,187 |
| Total risk-based capital ratio | 10.8013% | 7,176 |
| Memoranda: | ||
| Average total assets | $178,261,000 | 3,468 |
| Average earning assets | $169,688,200 | 3,351 |
| Average equity | $12,011,400 | 4,748 |
| Average total loans | $124,447,000 | 3,393 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2539% | 5,661 |
| Cost of funding earning assets | 2.1442% | 2,684 |
| Net interest margin | 3.1097% | 6,291 |
| Noninterest income to average assets | 0.6681% | 3,232 |
| Noninterest expense to average assets | 4.2506% | 974 |
| Loan and lease loss provision to assets | 1.7791% | 1,042 |
| Net operating income to assets | -1.4757% | 7,094 |
| Return on assets (ROA) | -1.1330% | 6,920 |
| Pretax return on assets | -1.8503% | 7,112 |
| Return on Equity (ROE) | -16.6558% | 7,262 |
| Retained earnings to average equity (ytd only) | -16.6558% | 7,216 |
| Net charge-offs to loans | 3.0117% | 551 |
| Credit loss provision to net charge-offs | 84.8845% | 5,626 |
| Earnings coverage of net charge-offs (x) | -0.2894% | 6,349 |
| Efficiency ratio | 116.6432% | 645 |
| Assets per employee ($millions) | 2.4867% | 7,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4876% | 7,730 |
| Loan loss allowance to noncurrent loans | 5.9715% | 7,501 |
| Noncurrent assets plus other real estate owned to assets | 6.2013% | 848 |
| Noncurrent loans to loans | 8.1650% | 585 |
| Net loans and leases to total assets | 73.2662% | 2,718 |
| Net loans and leases to deposits | 98.9592% | 1,214 |
| Net loans and leases to core deposits | 167.1204% | 293 |
| Total domestic deposits to total assets | 74.0368% | 6,937 |
| Equity capital to assets | 7.7153% | 7,136 |
| Core capital (leverage) ratio | 7.6142% | 6,841 |
| Tier 1 risk-based capital ratio | 10.6136% | 6,328 |
| Total risk-based capital ratio | 11.0939% | 7,061 |
| Memoranda: | ||
| Average total assets | $181,807,000 | 3,440 |
| Average earning assets | $173,986,250 | 3,321 |
| Average equity | $12,367,750 | 4,691 |
| Average total loans | $126,527,000 | 3,369 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0612% | 6,577 |
| Cost of funding earning assets | 2.2552% | 2,551 |
| Net interest margin | 2.8060% | 7,004 |
| Noninterest income to average assets | 0.6171% | 3,555 |
| Noninterest expense to average assets | 4.2699% | 989 |
| Loan and lease loss provision to assets | 2.5273% | 614 |
| Net operating income to assets | -2.1557% | 7,467 |
| Return on assets (ROA) | -1.7662% | 7,341 |
| Pretax return on assets | -2.8885% | 7,540 |
| Return on Equity (ROE) | -27.0638% | 7,664 |
| Retained earnings to average equity (ytd only) | -27.0638% | 7,635 |
| Net charge-offs to loans | 4.5517% | 283 |
| Credit loss provision to net charge-offs | 81.2090% | 5,160 |
| Earnings coverage of net charge-offs (x) | -0.3116% | 5,962 |
| Efficiency ratio | 129.3811% | 528 |
| Assets per employee ($millions) | 3.0381% | 6,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3954% | 7,902 |
| Loan loss allowance to noncurrent loans | 5.1407% | 7,542 |
| Noncurrent assets plus other real estate owned to assets | 5.3959% | 938 |
| Noncurrent loans to loans | 7.6908% | 592 |
| Net loans and leases to total assets | 67.6764% | 4,214 |
| Net loans and leases to deposits | 88.4588% | 3,096 |
| Net loans and leases to core deposits | 145.1947% | 789 |
| Total domestic deposits to total assets | 76.5061% | 6,434 |
| Equity capital to assets | 6.7991% | 7,708 |
| Core capital (leverage) ratio | 6.7768% | 7,674 |
| Tier 1 risk-based capital ratio | 10.2368% | 6,666 |
| Total risk-based capital ratio | 10.6226% | 7,468 |
| Memoranda: | ||
| Average total assets | $186,045,000 | 3,394 |
| Average earning assets | $177,901,670 | 3,287 |
| Average equity | $12,141,670 | 4,773 |
| Average total loans | $127,204,330 | 3,394 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1402% | 6,524 |
| Cost of funding earning assets | 2.4144% | 2,231 |
| Net interest margin | 2.7258% | 7,145 |
| Noninterest income to average assets | 0.8503% | 2,080 |
| Noninterest expense to average assets | 3.5265% | 2,037 |
| Loan and lease loss provision to assets | 3.3534% | 315 |
| Net operating income to assets | -2.1130% | 7,688 |
| Return on assets (ROA) | -1.7308% | 7,582 |
| Pretax return on assets | -2.8190% | 7,723 |
| Return on Equity (ROE) | -27.0980% | 7,876 |
| Retained earnings to average equity (ytd only) | -27.0980% | 7,819 |
| Net charge-offs to loans | 7.4849% | 105 |
| Credit loss provision to net charge-offs | 65.3182% | 4,430 |
| Earnings coverage of net charge-offs (x) | -0.0122% | 4,993 |
| Efficiency ratio | 101.8114% | 1,058 |
| Assets per employee ($millions) | 3.0412% | 6,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1775% | 8,127 |
| Loan loss allowance to noncurrent loans | 4.5049% | 7,551 |
| Noncurrent assets plus other real estate owned to assets | 2.7976% | 2,032 |
| Noncurrent loans to loans | 3.9409% | 1,540 |
| Net loans and leases to total assets | 66.6190% | 4,436 |
| Net loans and leases to deposits | 86.2011% | 3,594 |
| Net loans and leases to core deposits | 140.5720% | 1,074 |
| Total domestic deposits to total assets | 77.2832% | 6,210 |
| Equity capital to assets | 5.8995% | 8,015 |
| Core capital (leverage) ratio | 5.9740% | 8,009 |
| Tier 1 risk-based capital ratio | 8.9225% | 7,833 |
| Total risk-based capital ratio | 9.0799% | 8,050 |
| Memoranda: | ||
| Average total assets | $184,885,500 | 3,432 |
| Average earning assets | $177,269,500 | 3,313 |
| Average equity | $11,809,000 | 4,899 |
| Average total loans | $126,814,500 | 3,427 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6866% | 6,820 |
| Cost of funding earning assets | 2.4098% | 4,677 |
| Net interest margin | 3.2768% | 6,114 |
| Noninterest income to average assets | 0.5794% | 4,010 |
| Noninterest expense to average assets | 3.6756% | 1,994 |
| Loan and lease loss provision to assets | 0.0860% | 6,309 |
| Net operating income to assets | -0.0629% | 6,457 |
| Return on assets (ROA) | 0.0590% | 6,067 |
| Pretax return on assets | 0.0417% | 6,069 |
| Return on Equity (ROE) | 0.7576% | 5,989 |
| Retained earnings to average equity (ytd only) | 0.7576% | 4,773 |
| Net charge-offs to loans | 0.0430% | 6,172 |
| Credit loss provision to net charge-offs | 291.3043% | 1,559 |
| Earnings coverage of net charge-offs (x) | 0.1957% | 6,123 |
| Efficiency ratio | 99.8431% | 990 |
| Assets per employee ($millions) | 2.8738% | 6,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8365% | 6,951 |
| Loan loss allowance to noncurrent loans | 57.9295% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 1.1994% | 3,850 |
| Noncurrent loans to loans | 1.4440% | 3,634 |
| Net loans and leases to total assets | 69.9933% | 4,017 |
| Net loans and leases to deposits | 93.9231% | 2,776 |
| Net loans and leases to core deposits | 148.6543% | 905 |
| Total domestic deposits to total assets | 74.5220% | 6,549 |
| Equity capital to assets | 6.9117% | 7,771 |
| Core capital (leverage) ratio | 6.8819% | 7,776 |
| Tier 1 risk-based capital ratio | 9.6679% | 7,122 |
| Total risk-based capital ratio | 10.4779% | 7,537 |
| Memoranda: | ||
| Average total assets | $155,838,400 | 3,788 |
| Average earning assets | $147,523,400 | 3,697 |
| Average equity | $12,143,200 | 4,796 |
| Average total loans | $107,033,400 | 3,767 |