Home > The Private Bank of California > Performance and Condition Ratios
The Private Bank of California, 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 | 5.1413% | 722 |
Cost of funding earning assets | 0.3684% | 5,109 |
Net interest margin | 4.7729% | 454 |
Noninterest income to average assets | 0.4290% | 4,307 |
Noninterest expense to average assets | 3.3146% | 2,038 |
Loan and lease loss provision to assets | 0.8284% | 223 |
Net operating income to assets | 0.6598% | 4,068 |
Return on assets (ROA) | 0.6745% | 4,132 |
Pretax return on assets | 0.6745% | 4,774 |
Return on Equity (ROE) | 5.4281% | 4,507 |
Retained earnings to average equity (ytd only) | 5.4281% | 2,777 |
Net charge-offs to loans | 0.1857% | 2,739 |
Credit loss provision to net charge-offs | 627.5046% | 454 |
Earnings coverage of net charge-offs (x) | 11.2732% | 2,258 |
Efficiency ratio | 61.2446% | 5,234 |
Assets per employee ($millions) | 8.8030% | 337 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4923% | 6,663 |
Loan loss allowance to noncurrent loans | 51.3588% | 5,172 |
Noncurrent assets plus other real estate owned to assets | 0.6460% | 4,500 |
Noncurrent loans to loans | 0.9585% | 3,900 |
Net loans and leases to total assets | 67.0654% | 2,446 |
Net loans and leases to deposits | 76.3740% | 2,899 |
Net loans and leases to core deposits | 84.7376% | 2,573 |
Total domestic deposits to total assets | 87.8117% | 2,239 |
Equity capital to assets | 11.2989% | 2,472 |
Core capital (leverage) ratio | 8.3419% | 5,926 |
Tier 1 risk-based capital ratio | 11.0572% | 6,254 |
Total risk-based capital ratio | 11.5460% | 6,477 |
Memoranda: | ||
Average total assets | $554,497,250 | 1,207 |
Average earning assets | $508,131,750 | 1,209 |
Average equity | $68,898,750 | 1,045 |
Average total loans | $394,070,000 | 1,089 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0489% | 846 |
Cost of funding earning assets | 0.3853% | 5,078 |
Net interest margin | 4.6636% | 542 |
Noninterest income to average assets | 0.7349% | 2,474 |
Noninterest expense to average assets | 2.6476% | 4,232 |
Loan and lease loss provision to assets | 1.0643% | 165 |
Net operating income to assets | 1.3688% | 1,145 |
Return on assets (ROA) | 1.3688% | 1,228 |
Pretax return on assets | 1.3693% | 2,040 |
Return on Equity (ROE) | 10.1647% | 2,137 |
Retained earnings to average equity (ytd only) | 10.1647% | 811 |
Net charge-offs to loans | 0.2908% | 2,027 |
Credit loss provision to net charge-offs | 491.5865% | 566 |
Earnings coverage of net charge-offs (x) | 11.2404% | 2,067 |
Efficiency ratio | 45.8466% | 6,644 |
Assets per employee ($millions) | 9.3609% | 263 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7225% | 6,468 |
Loan loss allowance to noncurrent loans | 92.2295% | 3,641 |
Noncurrent assets plus other real estate owned to assets | 0.5587% | 4,849 |
Noncurrent loans to loans | 0.7833% | 4,347 |
Net loans and leases to total assets | 70.8054% | 1,746 |
Net loans and leases to deposits | 86.7667% | 1,485 |
Net loans and leases to core deposits | 95.2049% | 1,423 |
Total domestic deposits to total assets | 81.6043% | 5,178 |
Equity capital to assets | 12.4772% | 1,590 |
Core capital (leverage) ratio | 11.9443% | 1,641 |
Tier 1 risk-based capital ratio | 15.8773% | 3,276 |
Total risk-based capital ratio | 16.7859% | 3,414 |
Memoranda: | ||
Average total assets | $384,275,000 | 1,725 |
Average earning assets | $358,136,330 | 1,698 |
Average equity | $51,747,670 | 1,388 |
Average total loans | $286,130,000 | 1,479 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3221% | 489 |
Cost of funding earning assets | 0.3522% | 5,515 |
Net interest margin | 4.9699% | 308 |
Noninterest income to average assets | 0.3670% | 4,738 |
Noninterest expense to average assets | 2.8886% | 3,386 |
Loan and lease loss provision to assets | 1.1952% | 134 |
Net operating income to assets | 0.8911% | 2,695 |
Return on assets (ROA) | 0.8911% | 2,842 |
Pretax return on assets | 0.8911% | 3,792 |
Return on Equity (ROE) | 6.3300% | 3,864 |
Retained earnings to average equity (ytd only) | 6.3300% | 2,490 |
Net charge-offs to loans | 0.1102% | 2,772 |
Credit loss provision to net charge-offs | 1,420.0000% | 231 |
Earnings coverage of net charge-offs (x) | 24.7867% | 1,071 |
Efficiency ratio | 51.1617% | 6,429 |
Assets per employee ($millions) | 8.8304% | 336 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5492% | 6,754 |
Loan loss allowance to noncurrent loans | 75.0923% | 4,128 |
Noncurrent assets plus other real estate owned to assets | 0.5337% | 5,057 |
Noncurrent loans to loans | 0.7314% | 4,670 |
Net loans and leases to total assets | 72.5745% | 1,272 |
Net loans and leases to deposits | 92.2015% | 786 |
Net loans and leases to core deposits | 103.0233% | 768 |
Total domestic deposits to total assets | 78.7128% | 6,010 |
Equity capital to assets | 13.0626% | 1,397 |
Core capital (leverage) ratio | 13.3852% | 978 |
Tier 1 risk-based capital ratio | 15.3716% | 3,610 |
Total risk-based capital ratio | 16.0630% | 3,931 |
Memoranda: | ||
Average total assets | $356,432,000 | 1,855 |
Average earning assets | $330,468,000 | 1,833 |
Average equity | $50,174,000 | 1,448 |
Average total loans | $272,303,500 | 1,560 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6521% | 6,890 |
Cost of funding earning assets | 0.1784% | 6,875 |
Net interest margin | 2.4737% | 6,727 |
Noninterest income to average assets | 0.3233% | 5,148 |
Noninterest expense to average assets | 1.6760% | 6,743 |
Loan and lease loss provision to assets | 0.2134% | 3,010 |
Net operating income to assets | 0.7749% | 3,388 |
Return on assets (ROA) | 0.7749% | 3,643 |
Pretax return on assets | 0.7749% | 4,389 |
Return on Equity (ROE) | 6.1209% | 4,102 |
Retained earnings to average equity (ytd only) | 6.1209% | 2,004 |
Net charge-offs to loans | 0.0069% | 5,858 |
Credit loss provision to net charge-offs | 3,852.9412% | 61 |
Earnings coverage of net charge-offs (x) | 178.4118% | 234 |
Efficiency ratio | 55.4183% | 6,126 |
Assets per employee ($millions) | 6.5248% | 991 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2571% | 6,955 |
Loan loss allowance to noncurrent loans | 14.4737% | 6,500 |
Noncurrent assets plus other real estate owned to assets | 1.4374% | 3,234 |
Noncurrent loans to loans | 1.7761% | 2,957 |
Net loans and leases to total assets | 80.7214% | 402 |
Net loans and leases to deposits | 102.4157% | 314 |
Net loans and leases to core deposits | 105.2747% | 723 |
Total domestic deposits to total assets | 78.8173% | 5,931 |
Equity capital to assets | 15.4200% | 650 |
Core capital (leverage) ratio | 11.9581% | 1,589 |
Tier 1 risk-based capital ratio | 14.7234% | 3,882 |
Total risk-based capital ratio | 15.0929% | 4,457 |
Memoranda: | ||
Average total assets | $306,865,400 | 2,096 |
Average earning assets | $290,411,000 | 2,041 |
Average equity | $38,850,200 | 1,786 |
Average total loans | $247,558,600 | 1,665 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.7407% | 7,121 |
Cost of funding earning assets | 0.1226% | 7,085 |
Net interest margin | 1.6181% | 7,100 |
Noninterest income to average assets | 0.1160% | 6,560 |
Noninterest expense to average assets | 1.2394% | 7,068 |
Loan and lease loss provision to assets | 0.1381% | 3,818 |
Net operating income to assets | 0.1655% | 5,999 |
Return on assets (ROA) | 0.1655% | 6,145 |
Pretax return on assets | 0.2806% | 5,994 |
Return on Equity (ROE) | 1.3826% | 6,177 |
Retained earnings to average equity (ytd only) | 1.3826% | 5,622 |
Net charge-offs to loans | 0.0000% | 5,771 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.6230% | 4,325 |
Assets per employee ($millions) | 6.3714% | 1,020 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.1397% | 7,092 |
Loan loss allowance to noncurrent loans | 8.0020% | 6,659 |
Noncurrent assets plus other real estate owned to assets | 1.2729% | 3,749 |
Noncurrent loans to loans | 1.7462% | 3,162 |
Net loans and leases to total assets | 72.7925% | 1,422 |
Net loans and leases to deposits | 87.4354% | 1,425 |
Net loans and leases to core deposits | 89.6951% | 2,022 |
Total domestic deposits to total assets | 83.2529% | 4,539 |
Equity capital to assets | 14.2663% | 1,054 |
Core capital (leverage) ratio | 10.7568% | 2,650 |
Tier 1 risk-based capital ratio | 14.1521% | 4,416 |
Total risk-based capital ratio | 14.3617% | 5,122 |
Memoranda: | ||
Average total assets | $306,915,250 | 2,119 |
Average earning assets | $292,519,750 | 2,043 |
Average equity | $36,740,750 | 1,908 |
Average total loans | $247,402,500 | 1,677 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9981% | 1,796 |
Cost of funding earning assets | 0.5904% | 4,983 |
Net interest margin | 4.4078% | 1,180 |
Noninterest income to average assets | 0.8658% | 1,907 |
Noninterest expense to average assets | 4.0733% | 860 |
Loan and lease loss provision to assets | 0.5571% | 1,099 |
Net operating income to assets | 0.4876% | 4,877 |
Return on assets (ROA) | 0.4876% | 5,126 |
Pretax return on assets | 0.4876% | 5,478 |
Return on Equity (ROE) | 4.3584% | 5,109 |
Retained earnings to average equity (ytd only) | 3.8721% | 4,039 |
Net charge-offs to loans | 0.7559% | 1,454 |
Credit loss provision to net charge-offs | 88.5417% | 3,090 |
Earnings coverage of net charge-offs (x) | 1.6604% | 4,160 |
Efficiency ratio | 79.5877% | 2,253 |
Assets per employee ($millions) | 6.4989% | 957 |
Cash dividends to net income (ytd only)* | 11.1559% | 3,261 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4181% | 1,387 |
Loan loss allowance to noncurrent loans | 187.5241% | 1,820 |
Noncurrent assets plus other real estate owned to assets | 1.0335% | 4,316 |
Noncurrent loans to loans | 1.2895% | 3,989 |
Net loans and leases to total assets | 75.4470% | 1,041 |
Net loans and leases to deposits | 86.8269% | 1,494 |
Net loans and leases to core deposits | 89.2990% | 2,063 |
Total domestic deposits to total assets | 86.8935% | 2,834 |
Equity capital to assets | 10.6810% | 3,476 |
Core capital (leverage) ratio | 10.7863% | 2,494 |
Tier 1 risk-based capital ratio | 14.2906% | 4,245 |
Total risk-based capital ratio | 15.5572% | 4,197 |
Memoranda: | ||
Average total assets | $305,154,670 | 2,126 |
Average earning assets | $294,389,670 | 2,019 |
Average equity | $34,141,330 | 2,025 |
Average total loans | $254,012,000 | 1,641 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0496% | 1,721 |
Cost of funding earning assets | 0.5951% | 5,175 |
Net interest margin | 4.4545% | 1,099 |
Noninterest income to average assets | 0.8086% | 2,124 |
Noninterest expense to average assets | 4.2033% | 735 |
Loan and lease loss provision to assets | 0.2651% | 2,340 |
Net operating income to assets | 0.6363% | 4,191 |
Return on assets (ROA) | 0.6363% | 4,404 |
Pretax return on assets | 0.6363% | 4,988 |
Return on Equity (ROE) | 5.5568% | 4,523 |
Retained earnings to average equity (ytd only) | 5.0474% | 3,530 |
Net charge-offs to loans | 0.0799% | 3,697 |
Credit loss provision to net charge-offs | 384.6154% | 806 |
Earnings coverage of net charge-offs (x) | 13.0769% | 1,558 |
Efficiency ratio | 82.3422% | 1,891 |
Assets per employee ($millions) | 6.3510% | 1,056 |
Cash dividends to net income (ytd only)* | 9.1667% | 2,576 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3398% | 1,608 |
Loan loss allowance to noncurrent loans | 179.4872% | 1,835 |
Noncurrent assets plus other real estate owned to assets | 1.1531% | 4,203 |
Noncurrent loans to loans | 1.3036% | 4,163 |
Net loans and leases to total assets | 85.1555% | 147 |
Net loans and leases to deposits | 98.9278% | 405 |
Net loans and leases to core deposits | 102.9748% | 815 |
Total domestic deposits to total assets | 86.0785% | 3,484 |
Equity capital to assets | 11.3999% | 2,526 |
Core capital (leverage) ratio | 11.5011% | 1,891 |
Tier 1 risk-based capital ratio | 13.9166% | 4,519 |
Total risk-based capital ratio | 15.1828% | 4,486 |
Memoranda: | ||
Average total assets | $301,759,500 | 2,157 |
Average earning assets | $291,030,500 | 2,054 |
Average equity | $34,552,500 | 2,001 |
Average total loans | $260,425,500 | 1,610 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1853% | 2,130 |
Cost of funding earning assets | 0.8011% | 4,863 |
Net interest margin | 4.3842% | 1,433 |
Noninterest income to average assets | 0.6348% | 2,978 |
Noninterest expense to average assets | 3.7308% | 1,477 |
Loan and lease loss provision to assets | 0.4909% | 2,154 |
Net operating income to assets | 0.6676% | 3,643 |
Return on assets (ROA) | 0.6676% | 3,831 |
Pretax return on assets | 0.6676% | 4,446 |
Return on Equity (ROE) | 5.6151% | 4,078 |
Retained earnings to average equity (ytd only) | 4.7999% | 2,790 |
Net charge-offs to loans | 0.5807% | 2,706 |
Credit loss provision to net charge-offs | 100.0000% | 3,501 |
Earnings coverage of net charge-offs (x) | 2.3601% | 4,040 |
Efficiency ratio | 76.3054% | 2,839 |
Assets per employee ($millions) | 5.9809% | 1,240 |
Cash dividends to net income (ytd only)* | 14.5177% | 3,739 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2803% | 1,654 |
Loan loss allowance to noncurrent loans | 75.3010% | 3,845 |
Noncurrent assets plus other real estate owned to assets | 2.5870% | 2,349 |
Noncurrent loans to loans | 3.0283% | 2,146 |
Net loans and leases to total assets | 83.4800% | 235 |
Net loans and leases to deposits | 101.4652% | 396 |
Net loans and leases to core deposits | 105.5565% | 813 |
Total domestic deposits to total assets | 82.2745% | 5,038 |
Equity capital to assets | 11.4998% | 2,507 |
Core capital (leverage) ratio | 11.5515% | 1,842 |
Tier 1 risk-based capital ratio | 14.5201% | 3,961 |
Total risk-based capital ratio | 15.7861% | 3,920 |
Memoranda: | ||
Average total assets | $304,355,200 | 2,108 |
Average earning assets | $295,354,000 | 1,985 |
Average equity | $36,188,400 | 1,877 |
Average total loans | $257,285,600 | 1,638 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1939% | 2,227 |
Cost of funding earning assets | 0.8553% | 4,734 |
Net interest margin | 4.3386% | 1,589 |
Noninterest income to average assets | 0.5891% | 3,238 |
Noninterest expense to average assets | 3.5674% | 1,779 |
Loan and lease loss provision to assets | 0.5878% | 1,675 |
Net operating income to assets | 0.6452% | 3,896 |
Return on assets (ROA) | 0.6452% | 4,076 |
Pretax return on assets | 0.6452% | 4,668 |
Return on Equity (ROE) | 5.3820% | 4,348 |
Retained earnings to average equity (ytd only) | 4.5155% | 3,508 |
Net charge-offs to loans | 0.6857% | 2,199 |
Credit loss provision to net charge-offs | 101.6679% | 3,299 |
Earnings coverage of net charge-offs (x) | 2.1327% | 4,066 |
Efficiency ratio | 74.3152% | 3,118 |
Assets per employee ($millions) | 6.0249% | 1,188 |
Cash dividends to net income (ytd only)* | 16.1004% | 3,081 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2354% | 1,801 |
Loan loss allowance to noncurrent loans | 76.7271% | 3,693 |
Noncurrent assets plus other real estate owned to assets | 2.5297% | 2,546 |
Noncurrent loans to loans | 2.9135% | 2,394 |
Net loans and leases to total assets | 84.8870% | 167 |
Net loans and leases to deposits | 97.5887% | 600 |
Net loans and leases to core deposits | 102.3762% | 1,078 |
Total domestic deposits to total assets | 86.9845% | 2,669 |
Equity capital to assets | 11.7235% | 2,473 |
Core capital (leverage) ratio | 11.5712% | 1,976 |
Tier 1 risk-based capital ratio | 13.9632% | 4,381 |
Total risk-based capital ratio | 15.2270% | 4,339 |
Memoranda: | ||
Average total assets | $304,188,000 | 2,115 |
Average earning assets | $295,263,000 | 1,989 |
Average equity | $36,466,250 | 1,845 |
Average total loans | $256,463,000 | 1,654 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2879% | 1,927 |
Cost of funding earning assets | 0.8843% | 4,800 |
Net interest margin | 4.4036% | 1,357 |
Noninterest income to average assets | 0.7283% | 2,385 |
Noninterest expense to average assets | 3.8950% | 1,203 |
Loan and lease loss provision to assets | 0.4526% | 2,152 |
Net operating income to assets | 0.6584% | 3,753 |
Return on assets (ROA) | 0.6584% | 3,876 |
Pretax return on assets | 0.6584% | 4,540 |
Return on Equity (ROE) | 5.4515% | 4,237 |
Retained earnings to average equity (ytd only) | 4.5556% | 3,286 |
Net charge-offs to loans | 0.4806% | 2,659 |
Credit loss provision to net charge-offs | 112.8289% | 2,716 |
Earnings coverage of net charge-offs (x) | 2.7697% | 3,462 |
Efficiency ratio | 77.8071% | 2,738 |
Assets per employee ($millions) | 5.8502% | 1,268 |
Cash dividends to net income (ytd only)* | 16.4329% | 2,975 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4202% | 1,557 |
Loan loss allowance to noncurrent loans | 128.4404% | 2,297 |
Noncurrent assets plus other real estate owned to assets | 1.5407% | 3,892 |
Noncurrent loans to loans | 1.8843% | 3,630 |
Net loans and leases to total assets | 79.7886% | 548 |
Net loans and leases to deposits | 92.2516% | 1,028 |
Net loans and leases to core deposits | 99.6220% | 1,376 |
Total domestic deposits to total assets | 86.4902% | 3,045 |
Equity capital to assets | 12.1791% | 1,978 |
Core capital (leverage) ratio | 12.1238% | 1,542 |
Tier 1 risk-based capital ratio | 15.3497% | 3,325 |
Total risk-based capital ratio | 16.6161% | 3,271 |
Memoranda: | ||
Average total assets | $303,160,330 | 2,126 |
Average earning assets | $294,484,000 | 2,009 |
Average equity | $36,614,000 | 1,826 |
Average total loans | $253,018,330 | 1,695 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2143% | 2,171 |
Cost of funding earning assets | 0.8879% | 5,012 |
Net interest margin | 4.3264% | 1,481 |
Noninterest income to average assets | 0.7640% | 2,197 |
Noninterest expense to average assets | 3.9863% | 1,053 |
Loan and lease loss provision to assets | 0.3357% | 2,547 |
Net operating income to assets | 0.6476% | 3,762 |
Return on assets (ROA) | 0.6476% | 3,840 |
Pretax return on assets | 0.6476% | 4,499 |
Return on Equity (ROE) | 5.3852% | 4,201 |
Retained earnings to average equity (ytd only) | 4.4840% | 3,485 |
Net charge-offs to loans | 0.2885% | 2,905 |
Credit loss provision to net charge-offs | 138.0435% | 2,031 |
Earnings coverage of net charge-offs (x) | 4.0435% | 2,573 |
Efficiency ratio | 80.2128% | 2,491 |
Assets per employee ($millions) | 5.8331% | 1,314 |
Cash dividends to net income (ytd only)* | 16.7347% | 2,268 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3616% | 1,659 |
Loan loss allowance to noncurrent loans | 90.5694% | 3,161 |
Noncurrent assets plus other real estate owned to assets | 2.2858% | 2,964 |
Noncurrent loans to loans | 2.6075% | 2,892 |
Net loans and leases to total assets | 83.5531% | 248 |
Net loans and leases to deposits | 96.9177% | 627 |
Net loans and leases to core deposits | 104.9383% | 1,007 |
Total domestic deposits to total assets | 86.2103% | 3,391 |
Equity capital to assets | 12.3056% | 1,735 |
Core capital (leverage) ratio | 12.2598% | 1,426 |
Tier 1 risk-based capital ratio | 15.0169% | 3,418 |
Total risk-based capital ratio | 16.2826% | 3,367 |
Memoranda: | ||
Average total assets | $302,636,000 | 2,146 |
Average earning assets | $294,192,500 | 2,031 |
Average equity | $36,396,000 | 1,819 |
Average total loans | $255,155,500 | 1,698 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2603% | 3,314 |
Cost of funding earning assets | 1.2881% | 3,961 |
Net interest margin | 3.9721% | 3,136 |
Noninterest income to average assets | 0.7409% | 2,587 |
Noninterest expense to average assets | 3.1693% | 3,194 |
Loan and lease loss provision to assets | 0.8422% | 1,948 |
Net operating income to assets | 0.5696% | 3,804 |
Return on assets (ROA) | 0.5696% | 3,965 |
Pretax return on assets | 0.5696% | 4,422 |
Return on Equity (ROE) | 4.5688% | 4,263 |
Retained earnings to average equity (ytd only) | 3.4146% | 3,477 |
Net charge-offs to loans | 1.3992% | 1,590 |
Credit loss provision to net charge-offs | 72.0650% | 5,811 |
Earnings coverage of net charge-offs (x) | 1.2080% | 4,898 |
Efficiency ratio | 69.1829% | 4,345 |
Assets per employee ($millions) | 6.4121% | 981 |
Cash dividends to net income (ytd only)* | 25.2625% | 3,247 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3235% | 1,660 |
Loan loss allowance to noncurrent loans | 87.5239% | 3,267 |
Noncurrent assets plus other real estate owned to assets | 2.2584% | 3,020 |
Noncurrent loans to loans | 2.6547% | 2,862 |
Net loans and leases to total assets | 81.1597% | 523 |
Net loans and leases to deposits | 94.6089% | 1,002 |
Net loans and leases to core deposits | 102.2217% | 1,435 |
Total domestic deposits to total assets | 85.7844% | 3,457 |
Equity capital to assets | 11.7564% | 2,076 |
Core capital (leverage) ratio | 11.7987% | 1,671 |
Tier 1 risk-based capital ratio | 13.7051% | 4,059 |
Total risk-based capital ratio | 14.9682% | 4,026 |
Memoranda: | ||
Average total assets | $284,259,000 | 2,250 |
Average earning assets | $274,815,800 | 2,151 |
Average equity | $35,436,200 | 1,867 |
Average total loans | $237,416,600 | 1,844 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3058% | 3,327 |
Cost of funding earning assets | 1.3796% | 3,708 |
Net interest margin | 3.9262% | 3,423 |
Noninterest income to average assets | 0.6748% | 2,984 |
Noninterest expense to average assets | 3.2952% | 2,587 |
Loan and lease loss provision to assets | 0.6610% | 2,314 |
Net operating income to assets | 0.5067% | 4,284 |
Return on assets (ROA) | 0.5067% | 4,476 |
Pretax return on assets | 0.5067% | 4,904 |
Return on Equity (ROE) | 4.0019% | 4,775 |
Retained earnings to average equity (ytd only) | 2.7650% | 4,498 |
Net charge-offs to loans | 1.1808% | 1,728 |
Credit loss provision to net charge-offs | 66.9253% | 5,510 |
Earnings coverage of net charge-offs (x) | 1.1824% | 4,883 |
Efficiency ratio | 73.8356% | 3,352 |
Assets per employee ($millions) | 6.4354% | 1,005 |
Cash dividends to net income (ytd only)* | 30.9075% | 2,506 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5206% | 1,292 |
Loan loss allowance to noncurrent loans | 123.2915% | 2,290 |
Noncurrent assets plus other real estate owned to assets | 1.6594% | 3,956 |
Noncurrent loans to loans | 2.0444% | 3,627 |
Net loans and leases to total assets | 79.1189% | 869 |
Net loans and leases to deposits | 91.9375% | 1,458 |
Net loans and leases to core deposits | 99.8594% | 1,862 |
Total domestic deposits to total assets | 86.0572% | 3,047 |
Equity capital to assets | 11.8017% | 2,282 |
Core capital (leverage) ratio | 11.8813% | 1,724 |
Tier 1 risk-based capital ratio | 13.6228% | 4,107 |
Total risk-based capital ratio | 14.8873% | 4,044 |
Memoranda: | ||
Average total assets | $278,378,250 | 2,329 |
Average earning assets | $268,581,250 | 2,227 |
Average equity | $35,249,250 | 1,901 |
Average total loans | $232,836,500 | 1,905 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3673% | 3,120 |
Cost of funding earning assets | 1.4245% | 3,720 |
Net interest margin | 3.9428% | 3,271 |
Noninterest income to average assets | 0.7509% | 2,385 |
Noninterest expense to average assets | 3.4592% | 2,124 |
Loan and lease loss provision to assets | 0.6362% | 2,254 |
Net operating income to assets | 0.4498% | 4,556 |
Return on assets (ROA) | 0.4498% | 4,707 |
Pretax return on assets | 0.4498% | 5,060 |
Return on Equity (ROE) | 3.4644% | 5,030 |
Retained earnings to average equity (ytd only) | 2.9971% | 4,214 |
Net charge-offs to loans | 1.4881% | 1,286 |
Credit loss provision to net charge-offs | 50.5585% | 5,404 |
Earnings coverage of net charge-offs (x) | 0.8630% | 4,901 |
Efficiency ratio | 76.1068% | 3,059 |
Assets per employee ($millions) | 5.8733% | 1,316 |
Cash dividends to net income (ytd only)* | 13.4868% | 3,082 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4720% | 1,335 |
Loan loss allowance to noncurrent loans | 134.5459% | 2,071 |
Noncurrent assets plus other real estate owned to assets | 1.5895% | 4,068 |
Noncurrent loans to loans | 1.8373% | 3,955 |
Net loans and leases to total assets | 84.3744% | 327 |
Net loans and leases to deposits | 101.2411% | 636 |
Net loans and leases to core deposits | 110.6879% | 1,124 |
Total domestic deposits to total assets | 83.3401% | 4,422 |
Equity capital to assets | 12.5193% | 1,790 |
Core capital (leverage) ratio | 12.9028% | 1,243 |
Tier 1 risk-based capital ratio | 13.8870% | 3,809 |
Total risk-based capital ratio | 15.1517% | 3,759 |
Memoranda: | ||
Average total assets | $270,349,330 | 2,419 |
Average earning assets | $260,169,000 | 2,304 |
Average equity | $35,100,330 | 1,901 |
Average total loans | $228,617,000 | 1,950 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4343% | 2,884 |
Cost of funding earning assets | 1.5232% | 3,411 |
Net interest margin | 3.9112% | 3,279 |
Noninterest income to average assets | 0.6093% | 3,217 |
Noninterest expense to average assets | 3.6346% | 1,655 |
Loan and lease loss provision to assets | 0.1965% | 4,533 |
Net operating income to assets | 0.5322% | 4,220 |
Return on assets (ROA) | 0.5322% | 4,359 |
Pretax return on assets | 0.5322% | 4,846 |
Return on Equity (ROE) | 4.0225% | 4,888 |
Retained earnings to average equity (ytd only) | 4.0225% | 3,737 |
Net charge-offs to loans | 0.1756% | 3,868 |
Credit loss provision to net charge-offs | 134.0206% | 2,628 |
Earnings coverage of net charge-offs (x) | 4.9691% | 2,500 |
Efficiency ratio | 83.2987% | 2,101 |
Assets per employee ($millions) | 6.3677% | 1,062 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0735% | 770 |
Loan loss allowance to noncurrent loans | 110.0606% | 2,510 |
Noncurrent assets plus other real estate owned to assets | 3.0576% | 2,336 |
Noncurrent loans to loans | 2.7926% | 2,865 |
Net loans and leases to total assets | 79.5048% | 906 |
Net loans and leases to deposits | 94.7385% | 1,263 |
Net loans and leases to core deposits | 105.4648% | 1,621 |
Total domestic deposits to total assets | 83.9203% | 4,179 |
Equity capital to assets | 12.8096% | 1,597 |
Core capital (leverage) ratio | 13.4289% | 1,100 |
Tier 1 risk-based capital ratio | 14.0757% | 3,609 |
Total risk-based capital ratio | 15.3453% | 3,560 |
Memoranda: | ||
Average total assets | $264,566,000 | 2,522 |
Average earning assets | $253,940,500 | 2,405 |
Average equity | $35,003,500 | 1,923 |
Average total loans | $220,978,500 | 2,066 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8172% | 2,589 |
Cost of funding earning assets | 2.1210% | 2,361 |
Net interest margin | 3.6962% | 4,163 |
Noninterest income to average assets | 0.6741% | 3,123 |
Noninterest expense to average assets | 4.1084% | 1,215 |
Loan and lease loss provision to assets | 2.3880% | 845 |
Net operating income to assets | -2.2772% | 7,189 |
Return on assets (ROA) | -2.2772% | 7,192 |
Pretax return on assets | -2.2772% | 7,054 |
Return on Equity (ROE) | -14.9862% | 6,934 |
Retained earnings to average equity (ytd only) | -15.4642% | 6,910 |
Net charge-offs to loans | 2.0014% | 1,231 |
Credit loss provision to net charge-offs | 143.5619% | 3,341 |
Earnings coverage of net charge-offs (x) | 0.0666% | 6,095 |
Efficiency ratio | 97.3743% | 1,250 |
Assets per employee ($millions) | 7.0923% | 769 |
Cash dividends to net income (ytd only)* | -3.1892% | 7,471 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1606% | 676 |
Loan loss allowance to noncurrent loans | 115.3846% | 2,431 |
Noncurrent assets plus other real estate owned to assets | 3.1545% | 2,192 |
Noncurrent loans to loans | 2.7392% | 2,823 |
Net loans and leases to total assets | 82.4417% | 621 |
Net loans and leases to deposits | 99.2494% | 968 |
Net loans and leases to core deposits | 102.6375% | 3,731 |
Total domestic deposits to total assets | 83.0652% | 4,494 |
Equity capital to assets | 13.6820% | 1,259 |
Core capital (leverage) ratio | 13.5485% | 1,085 |
Tier 1 risk-based capital ratio | 14.3947% | 3,266 |
Total risk-based capital ratio | 15.6651% | 3,204 |
Memoranda: | ||
Average total assets | $243,720,000 | 2,679 |
Average earning assets | $233,754,800 | 2,566 |
Average equity | $37,034,000 | 1,816 |
Average total loans | $202,557,000 | 2,277 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9464% | 2,245 |
Cost of funding earning assets | 2.2425% | 2,217 |
Net interest margin | 3.7038% | 4,047 |
Noninterest income to average assets | 0.5869% | 3,802 |
Noninterest expense to average assets | 4.5637% | 686 |
Loan and lease loss provision to assets | 2.7240% | 580 |
Net operating income to assets | -3.1519% | 7,624 |
Return on assets (ROA) | -3.1519% | 7,628 |
Pretax return on assets | -3.1519% | 7,540 |
Return on Equity (ROE) | -20.2093% | 7,378 |
Retained earnings to average equity (ytd only) | -20.8377% | 7,374 |
Net charge-offs to loans | 2.1489% | 899 |
Credit loss provision to net charge-offs | 153.5101% | 3,115 |
Earnings coverage of net charge-offs (x) | -0.2412% | 6,317 |
Efficiency ratio | 110.3481% | 765 |
Assets per employee ($millions) | 7.0801% | 763 |
Cash dividends to net income (ytd only)* | -3.1090% | 7,664 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5206% | 411 |
Loan loss allowance to noncurrent loans | 116.8437% | 2,425 |
Noncurrent assets plus other real estate owned to assets | 3.2309% | 2,098 |
Noncurrent loans to loans | 3.0131% | 2,510 |
Net loans and leases to total assets | 73.3152% | 2,707 |
Net loans and leases to deposits | 88.3683% | 2,890 |
Net loans and leases to core deposits | 92.2450% | 5,212 |
Total domestic deposits to total assets | 82.9655% | 4,240 |
Equity capital to assets | 13.6133% | 1,445 |
Core capital (leverage) ratio | 13.3297% | 1,287 |
Tier 1 risk-based capital ratio | 16.0045% | 2,627 |
Total risk-based capital ratio | 17.2789% | 2,549 |
Memoranda: | ||
Average total assets | $240,819,750 | 2,724 |
Average earning assets | $230,745,250 | 2,609 |
Average equity | $37,559,250 | 1,806 |
Average total loans | $198,856,000 | 2,331 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1666% | 1,568 |
Cost of funding earning assets | 2.2998% | 2,355 |
Net interest margin | 3.8669% | 3,264 |
Noninterest income to average assets | 0.6420% | 3,400 |
Noninterest expense to average assets | 4.1130% | 1,173 |
Loan and lease loss provision to assets | 0.0593% | 6,627 |
Net operating income to assets | 0.1711% | 5,347 |
Return on assets (ROA) | 0.1711% | 5,452 |
Pretax return on assets | 0.1711% | 5,539 |
Return on Equity (ROE) | 1.0490% | 5,623 |
Retained earnings to average equity (ytd only) | 0.5557% | 4,975 |
Net charge-offs to loans | 0.2951% | 3,709 |
Credit loss provision to net charge-offs | 23.6486% | 6,092 |
Earnings coverage of net charge-offs (x) | 0.9189% | 4,847 |
Efficiency ratio | 94.6958% | 1,461 |
Assets per employee ($millions) | 6.8231% | 839 |
Cash dividends to net income (ytd only)* | 47.0297% | 2,157 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4154% | 975 |
Loan loss allowance to noncurrent loans | 155.3998% | 1,901 |
Noncurrent assets plus other real estate owned to assets | 2.4854% | 2,595 |
Noncurrent loans to loans | 1.5543% | 4,162 |
Net loans and leases to total assets | 80.2341% | 1,269 |
Net loans and leases to deposits | 100.4808% | 1,239 |
Net loans and leases to core deposits | 104.6333% | 3,996 |
Total domestic deposits to total assets | 79.8502% | 5,526 |
Equity capital to assets | 16.5293% | 744 |
Core capital (leverage) ratio | 16.3391% | 696 |
Tier 1 risk-based capital ratio | 18.3494% | 1,915 |
Total risk-based capital ratio | 19.6120% | 1,863 |
Memoranda: | ||
Average total assets | $236,132,000 | 2,792 |
Average earning assets | $226,023,330 | 2,680 |
Average equity | $38,513,000 | 1,768 |
Average total loans | $200,579,000 | 2,348 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2460% | 1,456 |
Cost of funding earning assets | 2.2423% | 2,949 |
Net interest margin | 4.0036% | 2,626 |
Noninterest income to average assets | 0.6777% | 3,017 |
Noninterest expense to average assets | 4.2838% | 866 |
Loan and lease loss provision to assets | 0.0432% | 6,430 |
Net operating income to assets | 0.1781% | 5,723 |
Return on assets (ROA) | 0.1781% | 5,898 |
Pretax return on assets | 0.1781% | 5,990 |
Return on Equity (ROE) | 1.0996% | 6,096 |
Retained earnings to average equity (ytd only) | 1.0996% | 5,200 |
Net charge-offs to loans | 0.5363% | 2,109 |
Credit loss provision to net charge-offs | 9.3284% | 5,208 |
Earnings coverage of net charge-offs (x) | 0.4776% | 4,605 |
Efficiency ratio | 95.0883% | 1,376 |
Assets per employee ($millions) | 6.4373% | 989 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4249% | 821 |
Loan loss allowance to noncurrent loans | 269.7558% | 1,249 |
Noncurrent assets plus other real estate owned to assets | 2.0574% | 2,813 |
Noncurrent loans to loans | 0.8989% | 5,203 |
Net loans and leases to total assets | 84.4052% | 630 |
Net loans and leases to deposits | 106.7585% | 812 |
Net loans and leases to core deposits | 112.1679% | 3,207 |
Total domestic deposits to total assets | 79.0618% | 5,699 |
Equity capital to assets | 17.4883% | 672 |
Core capital (leverage) ratio | 17.3305% | 618 |
Tier 1 risk-based capital ratio | 18.5321% | 1,921 |
Total risk-based capital ratio | 19.7950% | 1,875 |
Memoranda: | ||
Average total assets | $231,383,000 | 2,860 |
Average earning assets | $221,198,500 | 2,748 |
Average equity | $37,469,000 | 1,821 |
Average total loans | $199,890,000 | 2,371 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.0991% | 918 |
Cost of funding earning assets | 2.8604% | 2,440 |
Net interest margin | 4.2387% | 2,162 |
Noninterest income to average assets | 0.6698% | 3,327 |
Noninterest expense to average assets | 4.9635% | 635 |
Loan and lease loss provision to assets | 1.2642% | 1,132 |
Net operating income to assets | -1.5320% | 7,477 |
Return on assets (ROA) | -1.5320% | 7,423 |
Pretax return on assets | -1.5320% | 7,269 |
Return on Equity (ROE) | -9.5253% | 7,246 |
Retained earnings to average equity (ytd only) | -9.5253% | 7,032 |
Net charge-offs to loans | 0.1496% | 4,715 |
Credit loss provision to net charge-offs | 987.9433% | 454 |
Earnings coverage of net charge-offs (x) | -2.0922% | 6,712 |
Efficiency ratio | 105.7016% | 816 |
Assets per employee ($millions) | 6.4173% | 916 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5608% | 645 |
Loan loss allowance to noncurrent loans | 206.3056% | 1,891 |
Noncurrent assets plus other real estate owned to assets | 2.1530% | 2,279 |
Noncurrent loans to loans | 1.2413% | 4,036 |
Net loans and leases to total assets | 84.0660% | 875 |
Net loans and leases to deposits | 112.0043% | 706 |
Net loans and leases to core deposits | 118.3780% | 2,845 |
Total domestic deposits to total assets | 75.0561% | 6,438 |
Equity capital to assets | 14.8947% | 1,187 |
Core capital (leverage) ratio | 14.8032% | 1,075 |
Tier 1 risk-based capital ratio | 15.8944% | 2,708 |
Total risk-based capital ratio | 17.1590% | 2,641 |
Memoranda: | ||
Average total assets | $220,369,000 | 2,872 |
Average earning assets | $209,308,800 | 2,780 |
Average equity | $35,442,600 | 1,904 |
Average total loans | $188,564,200 | 2,415 |