Home > Torrey Pines Bank > Performance and Condition Ratios
Torrey Pines 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 | 4.6755% | 1,663 |
| Cost of funding earning assets | 0.1963% | 6,414 |
| Net interest margin | 4.4792% | 759 |
| Noninterest income to average assets | 0.2091% | 5,924 |
| Noninterest expense to average assets | 2.4579% | 4,849 |
| Loan and lease loss provision to assets | 0.2123% | 1,716 |
| Net operating income to assets | 1.1260% | 1,902 |
| Return on assets (ROA) | 1.0944% | 2,104 |
| Pretax return on assets | 1.6153% | 1,306 |
| Return on Equity (ROE) | 12.9489% | 1,252 |
| Retained earnings to average equity (ytd only) | 5.9259% | 2,461 |
| Net charge-offs to loans | 0.0481% | 4,218 |
| Credit loss provision to net charge-offs | 596.1111% | 476 |
| Earnings coverage of net charge-offs (x) | 52.4779% | 839 |
| Efficiency ratio | 56.8058% | 5,822 |
| Assets per employee ($millions) | 9.1160% | 298 |
| Cash dividends to net income (ytd only)* | 54.2365% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 4,859 |
| Loan loss allowance to noncurrent loans | 236.3519% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.4581% | 5,055 |
| Noncurrent loans to loans | 0.5079% | 4,923 |
| Net loans and leases to total assets | 72.4498% | 1,537 |
| Net loans and leases to deposits | 81.6320% | 2,182 |
| Net loans and leases to core deposits | 102.5974% | 952 |
| Total domestic deposits to total assets | 88.7518% | 1,692 |
| Equity capital to assets | 8.2677% | 5,937 |
| Core capital (leverage) ratio | 8.5729% | 5,696 |
| Tier 1 risk-based capital ratio | 9.6507% | 6,665 |
| Total risk-based capital ratio | 11.5325% | 6,485 |
| Memoranda: | ||
| Average total assets | $2,021,589,500 | 355 |
| Average earning assets | $1,858,475,750 | 342 |
| Average equity | $170,862,750 | 440 |
| Average total loans | $1,495,987,250 | 310 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6991% | 1,575 |
| Cost of funding earning assets | 0.1959% | 6,496 |
| Net interest margin | 4.5032% | 707 |
| Noninterest income to average assets | 0.2140% | 5,912 |
| Noninterest expense to average assets | 2.4833% | 4,794 |
| Loan and lease loss provision to assets | 0.0831% | 3,410 |
| Net operating income to assets | 1.2140% | 1,556 |
| Return on assets (ROA) | 1.2009% | 1,700 |
| Pretax return on assets | 1.7670% | 984 |
| Return on Equity (ROE) | 14.1025% | 991 |
| Retained earnings to average equity (ytd only) | 7.0659% | 1,867 |
| Net charge-offs to loans | 0.1185% | 3,182 |
| Credit loss provision to net charge-offs | 94.4381% | 2,345 |
| Earnings coverage of net charge-offs (x) | 21.1759% | 1,426 |
| Efficiency ratio | 57.1343% | 5,839 |
| Assets per employee ($millions) | 8.8723% | 324 |
| Cash dividends to net income (ytd only)* | 49.8960% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 5,721 |
| Loan loss allowance to noncurrent loans | 322.7197% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.3250% | 5,499 |
| Noncurrent loans to loans | 0.3170% | 5,499 |
| Net loans and leases to total assets | 74.1285% | 1,229 |
| Net loans and leases to deposits | 86.0955% | 1,566 |
| Net loans and leases to core deposits | 105.2702% | 779 |
| Total domestic deposits to total assets | 86.1004% | 3,308 |
| Equity capital to assets | 8.3737% | 5,894 |
| Core capital (leverage) ratio | 8.7562% | 5,349 |
| Tier 1 risk-based capital ratio | 9.4519% | 6,728 |
| Total risk-based capital ratio | 11.1558% | 6,633 |
| Memoranda: | ||
| Average total assets | $2,002,638,000 | 359 |
| Average earning assets | $1,837,741,000 | 347 |
| Average equity | $170,537,000 | 443 |
| Average total loans | $1,486,608,000 | 311 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7564% | 1,385 |
| Cost of funding earning assets | 0.2032% | 6,559 |
| Net interest margin | 4.5533% | 617 |
| Noninterest income to average assets | 0.2117% | 5,970 |
| Noninterest expense to average assets | 2.4995% | 4,756 |
| Loan and lease loss provision to assets | 0.0185% | 4,235 |
| Net operating income to assets | 1.2706% | 1,351 |
| Return on assets (ROA) | 1.2782% | 1,434 |
| Pretax return on assets | 1.8816% | 761 |
| Return on Equity (ROE) | 14.8836% | 794 |
| Retained earnings to average equity (ytd only) | 7.8553% | 1,800 |
| Net charge-offs to loans | 0.2380% | 2,023 |
| Credit loss provision to net charge-offs | 10.5263% | 3,140 |
| Earnings coverage of net charge-offs (x) | 10.7620% | 1,713 |
| Efficiency ratio | 56.9105% | 5,976 |
| Assets per employee ($millions) | 8.3250% | 427 |
| Cash dividends to net income (ytd only)* | 47.2218% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 5,845 |
| Loan loss allowance to noncurrent loans | 267.6046% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.3797% | 5,451 |
| Noncurrent loans to loans | 0.3877% | 5,444 |
| Net loans and leases to total assets | 72.3319% | 1,304 |
| Net loans and leases to deposits | 83.3131% | 1,664 |
| Net loans and leases to core deposits | 103.1824% | 757 |
| Total domestic deposits to total assets | 86.8194% | 3,068 |
| Equity capital to assets | 8.8111% | 5,699 |
| Core capital (leverage) ratio | 8.5424% | 5,523 |
| Tier 1 risk-based capital ratio | 9.7916% | 6,720 |
| Total risk-based capital ratio | 11.5687% | 6,619 |
| Memoranda: | ||
| Average total assets | $1,988,078,500 | 366 |
| Average earning assets | $1,825,234,500 | 351 |
| Average equity | $170,738,500 | 448 |
| Average total loans | $1,469,072,000 | 314 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2612% | 998 |
| Cost of funding earning assets | 0.2213% | 6,771 |
| Net interest margin | 5.0400% | 362 |
| Noninterest income to average assets | 0.2262% | 5,824 |
| Noninterest expense to average assets | 2.4288% | 5,327 |
| Loan and lease loss provision to assets | 0.4605% | 1,364 |
| Net operating income to assets | 1.2155% | 1,550 |
| Return on assets (ROA) | 1.0846% | 2,183 |
| Pretax return on assets | 1.8574% | 813 |
| Return on Equity (ROE) | 12.4837% | 1,364 |
| Retained earnings to average equity (ytd only) | 7.5428% | 1,314 |
| Net charge-offs to loans | 0.6760% | 1,745 |
| Credit loss provision to net charge-offs | 90.5083% | 3,459 |
| Earnings coverage of net charge-offs (x) | 4.8097% | 3,242 |
| Efficiency ratio | 49.5505% | 6,620 |
| Assets per employee ($millions) | 8.6686% | 369 |
| Cash dividends to net income (ytd only)* | 39.5785% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 5,832 |
| Loan loss allowance to noncurrent loans | 203.8371% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.4726% | 5,290 |
| Noncurrent loans to loans | 0.5080% | 5,264 |
| Net loans and leases to total assets | 73.8994% | 1,207 |
| Net loans and leases to deposits | 88.8816% | 1,177 |
| Net loans and leases to core deposits | 108.5513% | 588 |
| Total domestic deposits to total assets | 83.1436% | 4,658 |
| Equity capital to assets | 8.3721% | 6,141 |
| Core capital (leverage) ratio | 8.5665% | 5,514 |
| Tier 1 risk-based capital ratio | 9.0545% | 6,847 |
| Total risk-based capital ratio | 10.7666% | 6,787 |
| Memoranda: | ||
| Average total assets | $1,863,568,000 | 377 |
| Average earning assets | $1,719,312,600 | 362 |
| Average equity | $161,915,000 | 462 |
| Average total loans | $1,402,609,800 | 318 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3178% | 973 |
| Cost of funding earning assets | 0.2297% | 6,876 |
| Net interest margin | 5.0881% | 347 |
| Noninterest income to average assets | 0.2243% | 5,947 |
| Noninterest expense to average assets | 2.4503% | 5,238 |
| Loan and lease loss provision to assets | 0.3860% | 1,672 |
| Net operating income to assets | 1.2742% | 1,507 |
| Return on assets (ROA) | 1.2278% | 1,816 |
| Pretax return on assets | 2.0503% | 628 |
| Return on Equity (ROE) | 13.9909% | 1,114 |
| Retained earnings to average equity (ytd only) | 8.9947% | 1,234 |
| Net charge-offs to loans | 0.4183% | 2,416 |
| Credit loss provision to net charge-offs | 122.3252% | 2,364 |
| Earnings coverage of net charge-offs (x) | 7.8613% | 2,539 |
| Efficiency ratio | 49.6702% | 6,613 |
| Assets per employee ($millions) | 8.0712% | 465 |
| Cash dividends to net income (ytd only)* | 35.7100% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 5,182 |
| Loan loss allowance to noncurrent loans | 152.3307% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.7024% | 4,933 |
| Noncurrent loans to loans | 0.8022% | 4,804 |
| Net loans and leases to total assets | 74.8220% | 1,130 |
| Net loans and leases to deposits | 87.5634% | 1,407 |
| Net loans and leases to core deposits | 103.6291% | 885 |
| Total domestic deposits to total assets | 85.4490% | 3,543 |
| Equity capital to assets | 8.9168% | 5,906 |
| Core capital (leverage) ratio | 8.7230% | 5,440 |
| Tier 1 risk-based capital ratio | 9.5613% | 6,890 |
| Total risk-based capital ratio | 11.6808% | 6,671 |
| Memoranda: | ||
| Average total assets | $1,824,514,250 | 382 |
| Average earning assets | $1,687,706,500 | 369 |
| Average equity | $160,119,250 | 464 |
| Average total loans | $1,376,206,000 | 326 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3468% | 966 |
| Cost of funding earning assets | 0.2427% | 6,934 |
| Net interest margin | 5.1041% | 335 |
| Noninterest income to average assets | 0.2191% | 6,000 |
| Noninterest expense to average assets | 2.4595% | 5,261 |
| Loan and lease loss provision to assets | 0.4525% | 1,415 |
| Net operating income to assets | 1.2257% | 1,623 |
| Return on assets (ROA) | 1.1799% | 1,989 |
| Pretax return on assets | 1.9893% | 709 |
| Return on Equity (ROE) | 13.5209% | 1,230 |
| Retained earnings to average equity (ytd only) | 8.4369% | 1,470 |
| Net charge-offs to loans | 0.5718% | 1,883 |
| Credit loss provision to net charge-offs | 105.0734% | 2,585 |
| Earnings coverage of net charge-offs (x) | 5.7716% | 2,757 |
| Efficiency ratio | 49.7118% | 6,661 |
| Assets per employee ($millions) | 8.3155% | 413 |
| Cash dividends to net income (ytd only)* | 37.6011% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 5,459 |
| Loan loss allowance to noncurrent loans | 154.8402% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.6637% | 5,120 |
| Noncurrent loans to loans | 0.7592% | 4,994 |
| Net loans and leases to total assets | 74.1201% | 1,227 |
| Net loans and leases to deposits | 88.2433% | 1,351 |
| Net loans and leases to core deposits | 103.9589% | 859 |
| Total domestic deposits to total assets | 83.9951% | 4,319 |
| Equity capital to assets | 8.5219% | 6,189 |
| Core capital (leverage) ratio | 8.8341% | 5,162 |
| Tier 1 risk-based capital ratio | 9.3507% | 6,944 |
| Total risk-based capital ratio | 11.4716% | 6,754 |
| Memoranda: | ||
| Average total assets | $1,803,129,670 | 387 |
| Average earning assets | $1,669,644,670 | 375 |
| Average equity | $157,356,330 | 469 |
| Average total loans | $1,358,067,330 | 329 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4573% | 820 |
| Cost of funding earning assets | 0.2709% | 6,943 |
| Net interest margin | 5.1865% | 296 |
| Noninterest income to average assets | 0.2680% | 5,733 |
| Noninterest expense to average assets | 2.5174% | 5,094 |
| Loan and lease loss provision to assets | 0.3636% | 1,736 |
| Net operating income to assets | 1.3199% | 1,400 |
| Return on assets (ROA) | 1.2674% | 1,716 |
| Pretax return on assets | 2.1686% | 568 |
| Return on Equity (ROE) | 14.3408% | 1,117 |
| Retained earnings to average equity (ytd only) | 9.1878% | 1,521 |
| Net charge-offs to loans | 0.6298% | 1,535 |
| Credit loss provision to net charge-offs | 76.4847% | 2,794 |
| Earnings coverage of net charge-offs (x) | 5.4392% | 2,369 |
| Efficiency ratio | 49.3062% | 6,721 |
| Assets per employee ($millions) | 8.0048% | 474 |
| Cash dividends to net income (ytd only)* | 35.9324% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 5,471 |
| Loan loss allowance to noncurrent loans | 140.7606% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.7545% | 5,042 |
| Noncurrent loans to loans | 0.8540% | 4,964 |
| Net loans and leases to total assets | 73.7935% | 1,097 |
| Net loans and leases to deposits | 86.0637% | 1,412 |
| Net loans and leases to core deposits | 102.2498% | 853 |
| Total domestic deposits to total assets | 85.7429% | 3,662 |
| Equity capital to assets | 8.8335% | 5,707 |
| Core capital (leverage) ratio | 8.9622% | 4,896 |
| Tier 1 risk-based capital ratio | 9.9213% | 6,895 |
| Total risk-based capital ratio | 11.9216% | 6,663 |
| Memoranda: | ||
| Average total assets | $1,756,730,500 | 392 |
| Average earning assets | $1,637,792,000 | 376 |
| Average equity | $155,249,500 | 470 |
| Average total loans | $1,326,112,000 | 333 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5535% | 1,046 |
| Cost of funding earning assets | 0.4351% | 6,784 |
| Net interest margin | 5.1184% | 327 |
| Noninterest income to average assets | 0.2519% | 5,724 |
| Noninterest expense to average assets | 2.5981% | 5,104 |
| Loan and lease loss provision to assets | 0.4076% | 2,552 |
| Net operating income to assets | 1.1897% | 1,532 |
| Return on assets (ROA) | 1.0997% | 1,948 |
| Pretax return on assets | 1.9587% | 578 |
| Return on Equity (ROE) | 12.1965% | 1,354 |
| Retained earnings to average equity (ytd only) | 12.1965% | 288 |
| Net charge-offs to loans | 0.5734% | 2,733 |
| Credit loss provision to net charge-offs | 96.0622% | 3,753 |
| Earnings coverage of net charge-offs (x) | 5.7424% | 2,697 |
| Efficiency ratio | 51.5801% | 6,733 |
| Assets per employee ($millions) | 7.8208% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 5,157 |
| Loan loss allowance to noncurrent loans | 258.7001% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.5003% | 5,722 |
| Noncurrent loans to loans | 0.4841% | 5,743 |
| Net loans and leases to total assets | 75.3541% | 1,044 |
| Net loans and leases to deposits | 91.9298% | 976 |
| Net loans and leases to core deposits | 111.3637% | 577 |
| Total domestic deposits to total assets | 81.9692% | 5,139 |
| Equity capital to assets | 8.8414% | 5,742 |
| Core capital (leverage) ratio | 9.2024% | 4,462 |
| Tier 1 risk-based capital ratio | 9.7970% | 6,903 |
| Total risk-based capital ratio | 11.9187% | 6,590 |
| Memoranda: | ||
| Average total assets | $1,592,132,600 | 418 |
| Average earning assets | $1,487,654,600 | 398 |
| Average equity | $143,557,600 | 486 |
| Average total loans | $1,178,001,000 | 364 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5520% | 1,138 |
| Cost of funding earning assets | 0.4703% | 6,813 |
| Net interest margin | 5.0817% | 351 |
| Noninterest income to average assets | 0.2434% | 5,878 |
| Noninterest expense to average assets | 2.5921% | 5,108 |
| Loan and lease loss provision to assets | 0.5034% | 1,965 |
| Net operating income to assets | 1.1117% | 1,925 |
| Return on assets (ROA) | 1.0336% | 2,359 |
| Pretax return on assets | 1.8549% | 853 |
| Return on Equity (ROE) | 11.4013% | 1,723 |
| Retained earnings to average equity (ytd only) | 11.4013% | 567 |
| Net charge-offs to loans | 0.7098% | 2,140 |
| Credit loss provision to net charge-offs | 96.6963% | 3,546 |
| Earnings coverage of net charge-offs (x) | 4.6256% | 3,005 |
| Efficiency ratio | 51.8132% | 6,696 |
| Assets per employee ($millions) | 7.7328% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 4,797 |
| Loan loss allowance to noncurrent loans | 143.4143% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.7330% | 5,323 |
| Noncurrent loans to loans | 0.9381% | 5,005 |
| Net loans and leases to total assets | 74.8807% | 1,165 |
| Net loans and leases to deposits | 86.8397% | 1,572 |
| Net loans and leases to core deposits | 102.5519% | 1,065 |
| Total domestic deposits to total assets | 86.2287% | 3,077 |
| Equity capital to assets | 9.1906% | 5,525 |
| Core capital (leverage) ratio | 9.2026% | 4,625 |
| Tier 1 risk-based capital ratio | 10.2426% | 6,877 |
| Total risk-based capital ratio | 12.6893% | 6,271 |
| Memoranda: | ||
| Average total assets | $1,558,065,750 | 428 |
| Average earning assets | $1,458,502,250 | 409 |
| Average equity | $141,243,250 | 501 |
| Average total loans | $1,142,766,750 | 376 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4866% | 1,328 |
| Cost of funding earning assets | 0.4877% | 6,881 |
| Net interest margin | 4.9989% | 397 |
| Noninterest income to average assets | 0.2439% | 5,904 |
| Noninterest expense to average assets | 2.6394% | 5,040 |
| Loan and lease loss provision to assets | 0.5596% | 1,727 |
| Net operating income to assets | 0.9936% | 2,254 |
| Return on assets (ROA) | 0.9347% | 2,598 |
| Pretax return on assets | 1.7052% | 1,049 |
| Return on Equity (ROE) | 10.3611% | 1,994 |
| Retained earnings to average equity (ytd only) | 10.3611% | 774 |
| Net charge-offs to loans | 0.8461% | 1,811 |
| Credit loss provision to net charge-offs | 91.2914% | 3,419 |
| Earnings coverage of net charge-offs (x) | 3.7232% | 3,070 |
| Efficiency ratio | 53.6018% | 6,658 |
| Assets per employee ($millions) | 7.5259% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 4,574 |
| Loan loss allowance to noncurrent loans | 145.9879% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.7757% | 5,342 |
| Noncurrent loans to loans | 0.9582% | 5,073 |
| Net loans and leases to total assets | 73.7323% | 1,469 |
| Net loans and leases to deposits | 83.5095% | 2,180 |
| Net loans and leases to core deposits | 97.3939% | 1,545 |
| Total domestic deposits to total assets | 88.2921% | 1,965 |
| Equity capital to assets | 9.1514% | 5,358 |
| Core capital (leverage) ratio | 9.1376% | 4,506 |
| Tier 1 risk-based capital ratio | 10.6666% | 6,728 |
| Total risk-based capital ratio | 13.3586% | 5,671 |
| Memoranda: | ||
| Average total assets | $1,536,124,330 | 440 |
| Average earning assets | $1,437,432,670 | 421 |
| Average equity | $138,576,000 | 510 |
| Average total loans | $1,112,834,330 | 392 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3538% | 1,714 |
| Cost of funding earning assets | 0.4911% | 7,001 |
| Net interest margin | 4.8626% | 503 |
| Noninterest income to average assets | 0.2755% | 5,699 |
| Noninterest expense to average assets | 2.7581% | 4,612 |
| Loan and lease loss provision to assets | 0.3778% | 2,297 |
| Net operating income to assets | 0.9411% | 2,393 |
| Return on assets (ROA) | 0.9104% | 2,570 |
| Pretax return on assets | 1.7270% | 935 |
| Return on Equity (ROE) | 10.1676% | 2,041 |
| Retained earnings to average equity (ytd only) | 10.1676% | 1,089 |
| Net charge-offs to loans | 0.8945% | 1,479 |
| Credit loss provision to net charge-offs | 59.2822% | 3,560 |
| Earnings coverage of net charge-offs (x) | 3.2483% | 2,803 |
| Efficiency ratio | 57.0977% | 6,369 |
| Assets per employee ($millions) | 7.7221% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 4,518 |
| Loan loss allowance to noncurrent loans | 129.5048% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.8279% | 5,248 |
| Noncurrent loans to loans | 1.1048% | 4,851 |
| Net loans and leases to total assets | 68.4137% | 2,474 |
| Net loans and leases to deposits | 76.8154% | 3,282 |
| Net loans and leases to core deposits | 85.2831% | 2,993 |
| Total domestic deposits to total assets | 89.0625% | 1,733 |
| Equity capital to assets | 8.6152% | 5,757 |
| Core capital (leverage) ratio | 9.2788% | 4,154 |
| Tier 1 risk-based capital ratio | 11.0572% | 6,468 |
| Total risk-based capital ratio | 13.9020% | 5,091 |
| Memoranda: | ||
| Average total assets | $1,521,490,000 | 447 |
| Average earning assets | $1,424,496,500 | 428 |
| Average equity | $136,236,500 | 513 |
| Average total loans | $1,083,964,000 | 406 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5628% | 2,041 |
| Cost of funding earning assets | 0.6503% | 7,003 |
| Net interest margin | 4.9125% | 532 |
| Noninterest income to average assets | 0.2934% | 5,682 |
| Noninterest expense to average assets | 2.8391% | 4,438 |
| Loan and lease loss provision to assets | 0.7420% | 2,211 |
| Net operating income to assets | 0.7301% | 3,100 |
| Return on assets (ROA) | 0.5321% | 4,109 |
| Pretax return on assets | 1.1030% | 2,570 |
| Return on Equity (ROE) | 5.6051% | 3,785 |
| Retained earnings to average equity (ytd only) | 5.6051% | 2,055 |
| Net charge-offs to loans | 0.8013% | 2,634 |
| Credit loss provision to net charge-offs | 129.1302% | 3,088 |
| Earnings coverage of net charge-offs (x) | 3.5333% | 3,315 |
| Efficiency ratio | 58.2744% | 6,311 |
| Assets per employee ($millions) | 7.1539% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 3,667 |
| Loan loss allowance to noncurrent loans | 122.9417% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 1.0078% | 4,986 |
| Noncurrent loans to loans | 1.2833% | 4,570 |
| Net loans and leases to total assets | 72.0999% | 2,083 |
| Net loans and leases to deposits | 81.6972% | 2,867 |
| Net loans and leases to core deposits | 93.0740% | 2,374 |
| Total domestic deposits to total assets | 88.2525% | 2,090 |
| Equity capital to assets | 9.3254% | 4,655 |
| Core capital (leverage) ratio | 9.2954% | 4,014 |
| Tier 1 risk-based capital ratio | 11.1139% | 6,238 |
| Total risk-based capital ratio | 14.0104% | 4,779 |
| Memoranda: | ||
| Average total assets | $1,370,544,400 | 494 |
| Average earning assets | $1,276,635,400 | 477 |
| Average equity | $130,095,000 | 524 |
| Average total loans | $982,816,000 | 453 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5331% | 2,318 |
| Cost of funding earning assets | 0.6315% | 7,219 |
| Net interest margin | 4.9016% | 549 |
| Noninterest income to average assets | 0.3275% | 5,537 |
| Noninterest expense to average assets | 2.6981% | 4,888 |
| Loan and lease loss provision to assets | 0.9392% | 1,604 |
| Net operating income to assets | 0.7229% | 3,309 |
| Return on assets (ROA) | 0.4490% | 4,733 |
| Pretax return on assets | 1.0004% | 3,182 |
| Return on Equity (ROE) | 5.0493% | 4,262 |
| Retained earnings to average equity (ytd only) | 5.0493% | 2,955 |
| Net charge-offs to loans | 0.8345% | 2,368 |
| Credit loss provision to net charge-offs | 153.1698% | 2,522 |
| Earnings coverage of net charge-offs (x) | 3.6100% | 3,375 |
| Efficiency ratio | 54.8981% | 6,700 |
| Assets per employee ($millions) | 6.8830% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 3,320 |
| Loan loss allowance to noncurrent loans | 155.9492% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.9548% | 5,183 |
| Noncurrent loans to loans | 1.0600% | 5,122 |
| Net loans and leases to total assets | 73.0146% | 2,014 |
| Net loans and leases to deposits | 83.0307% | 2,906 |
| Net loans and leases to core deposits | 87.0880% | 3,512 |
| Total domestic deposits to total assets | 87.9368% | 1,999 |
| Equity capital to assets | 9.0167% | 5,554 |
| Core capital (leverage) ratio | 9.6994% | 3,622 |
| Tier 1 risk-based capital ratio | 10.8464% | 6,509 |
| Total risk-based capital ratio | 14.1513% | 4,636 |
| Memoranda: | ||
| Average total assets | $1,152,480,750 | 575 |
| Average earning assets | $1,077,834,250 | 559 |
| Average equity | $102,481,250 | 650 |
| Average total loans | $846,794,500 | 525 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5318% | 2,400 |
| Cost of funding earning assets | 0.6643% | 7,268 |
| Net interest margin | 4.8675% | 575 |
| Noninterest income to average assets | 0.0077% | 7,500 |
| Noninterest expense to average assets | 2.6931% | 4,937 |
| Loan and lease loss provision to assets | 0.9741% | 1,489 |
| Net operating income to assets | 0.4849% | 4,393 |
| Return on assets (ROA) | 0.1800% | 5,754 |
| Pretax return on assets | 0.5731% | 4,656 |
| Return on Equity (ROE) | 2.0347% | 5,625 |
| Retained earnings to average equity (ytd only) | 2.0347% | 4,845 |
| Net charge-offs to loans | 0.6513% | 2,589 |
| Credit loss provision to net charge-offs | 204.3062% | 1,907 |
| Earnings coverage of net charge-offs (x) | 3.8844% | 3,139 |
| Efficiency ratio | 59.2139% | 6,184 |
| Assets per employee ($millions) | 6.0405% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6992% | 3,084 |
| Loan loss allowance to noncurrent loans | 100.5222% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 1.7224% | 3,865 |
| Noncurrent loans to loans | 1.6903% | 4,153 |
| Net loans and leases to total assets | 79.6181% | 859 |
| Net loans and leases to deposits | 91.9245% | 1,546 |
| Net loans and leases to core deposits | 98.0745% | 2,221 |
| Total domestic deposits to total assets | 86.6125% | 2,746 |
| Equity capital to assets | 9.8066% | 4,252 |
| Core capital (leverage) ratio | 9.3535% | 4,036 |
| Tier 1 risk-based capital ratio | 10.6398% | 6,574 |
| Total risk-based capital ratio | 13.9663% | 4,647 |
| Memoranda: | ||
| Average total assets | $1,139,721,670 | 580 |
| Average earning assets | $1,062,435,330 | 565 |
| Average equity | $100,852,670 | 652 |
| Average total loans | $834,379,000 | 528 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2334% | 3,860 |
| Cost of funding earning assets | 0.6537% | 7,425 |
| Net interest margin | 4.5797% | 992 |
| Noninterest income to average assets | -0.3053% | 7,826 |
| Noninterest expense to average assets | 2.6149% | 5,290 |
| Loan and lease loss provision to assets | 0.9249% | 1,371 |
| Net operating income to assets | 0.2000% | 5,692 |
| Return on assets (ROA) | -0.1175% | 6,527 |
| Pretax return on assets | 0.1100% | 6,106 |
| Return on Equity (ROE) | -1.3959% | 6,566 |
| Retained earnings to average equity (ytd only) | -1.3959% | 6,106 |
| Net charge-offs to loans | 0.1783% | 3,852 |
| Credit loss provision to net charge-offs | 744.2623% | 616 |
| Earnings coverage of net charge-offs (x) | 10.8825% | 1,701 |
| Efficiency ratio | 65.8679% | 5,145 |
| Assets per employee ($millions) | 6.6348% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7213% | 2,985 |
| Loan loss allowance to noncurrent loans | 76.1185% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 2.3819% | 3,047 |
| Noncurrent loans to loans | 2.2613% | 3,442 |
| Net loans and leases to total assets | 67.6733% | 3,470 |
| Net loans and leases to deposits | 77.4919% | 4,136 |
| Net loans and leases to core deposits | 81.9673% | 4,491 |
| Total domestic deposits to total assets | 87.3296% | 2,446 |
| Equity capital to assets | 8.5244% | 5,974 |
| Core capital (leverage) ratio | 9.4514% | 3,850 |
| Tier 1 risk-based capital ratio | 10.9232% | 6,227 |
| Total risk-based capital ratio | 14.3424% | 4,242 |
| Memoranda: | ||
| Average total assets | $1,178,020,000 | 580 |
| Average earning assets | $1,099,026,500 | 562 |
| Average equity | $99,151,000 | 670 |
| Average total loans | $821,033,000 | 554 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4363% | 4,509 |
| Cost of funding earning assets | 1.1244% | 6,904 |
| Net interest margin | 4.3119% | 1,683 |
| Noninterest income to average assets | 0.7303% | 2,785 |
| Noninterest expense to average assets | 3.9233% | 1,477 |
| Loan and lease loss provision to assets | 0.9177% | 2,447 |
| Net operating income to assets | -0.1021% | 5,685 |
| Return on assets (ROA) | -0.1938% | 5,829 |
| Pretax return on assets | -0.2648% | 5,793 |
| Return on Equity (ROE) | -2.4811% | 5,920 |
| Retained earnings to average equity (ytd only) | -2.4811% | 5,609 |
| Net charge-offs to loans | 1.1628% | 2,104 |
| Credit loss provision to net charge-offs | 109.4631% | 5,037 |
| Earnings coverage of net charge-offs (x) | 0.9286% | 5,184 |
| Efficiency ratio | 83.3979% | 2,428 |
| Assets per employee ($millions) | 6.6011% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 4,036 |
| Loan loss allowance to noncurrent loans | 63.5340% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 2.5966% | 2,701 |
| Noncurrent loans to loans | 2.2652% | 3,322 |
| Net loans and leases to total assets | 69.5414% | 3,353 |
| Net loans and leases to deposits | 86.7404% | 2,789 |
| Net loans and leases to core deposits | 104.1134% | 3,564 |
| Total domestic deposits to total assets | 80.1719% | 5,626 |
| Equity capital to assets | 8.3061% | 6,187 |
| Core capital (leverage) ratio | 8.4237% | 5,403 |
| Tier 1 risk-based capital ratio | 9.9208% | 6,939 |
| Total risk-based capital ratio | 13.2741% | 4,880 |
| Memoranda: | ||
| Average total assets | $1,010,886,400 | 661 |
| Average earning assets | $931,078,600 | 652 |
| Average equity | $78,956,400 | 818 |
| Average total loans | $728,849,000 | 633 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6541% | 3,551 |
| Cost of funding earning assets | 1.2305% | 6,803 |
| Net interest margin | 4.4236% | 1,383 |
| Noninterest income to average assets | 0.8631% | 2,132 |
| Noninterest expense to average assets | 4.0187% | 1,253 |
| Loan and lease loss provision to assets | 0.5664% | 3,122 |
| Net operating income to assets | 0.1770% | 5,230 |
| Return on assets (ROA) | 0.0656% | 5,605 |
| Pretax return on assets | 0.1602% | 5,384 |
| Return on Equity (ROE) | 0.8564% | 5,544 |
| Retained earnings to average equity (ytd only) | 0.8564% | 4,824 |
| Net charge-offs to loans | 0.9773% | 2,016 |
| Credit loss provision to net charge-offs | 79.8686% | 5,770 |
| Earnings coverage of net charge-offs (x) | 1.2699% | 4,822 |
| Efficiency ratio | 81.6516% | 2,627 |
| Assets per employee ($millions) | 5.8851% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 3,992 |
| Loan loss allowance to noncurrent loans | 99.2025% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 2.0624% | 3,260 |
| Noncurrent loans to loans | 1.4039% | 4,569 |
| Net loans and leases to total assets | 64.7106% | 4,708 |
| Net loans and leases to deposits | 74.9213% | 5,223 |
| Net loans and leases to core deposits | 90.4063% | 5,396 |
| Total domestic deposits to total assets | 86.3715% | 2,499 |
| Equity capital to assets | 8.6824% | 5,982 |
| Core capital (leverage) ratio | 8.0793% | 6,220 |
| Tier 1 risk-based capital ratio | 10.8065% | 6,147 |
| Total risk-based capital ratio | 14.4118% | 4,013 |
| Memoranda: | ||
| Average total assets | $973,161,750 | 701 |
| Average earning assets | $892,317,000 | 692 |
| Average equity | $74,570,750 | 876 |
| Average total loans | $706,131,500 | 676 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9353% | 2,435 |
| Cost of funding earning assets | 1.3054% | 6,788 |
| Net interest margin | 4.6299% | 906 |
| Noninterest income to average assets | 0.7398% | 2,760 |
| Noninterest expense to average assets | 4.2260% | 1,040 |
| Loan and lease loss provision to assets | 0.3199% | 4,024 |
| Net operating income to assets | 0.2059% | 5,244 |
| Return on assets (ROA) | 0.2059% | 5,318 |
| Pretax return on assets | 0.4258% | 4,856 |
| Return on Equity (ROE) | 2.8328% | 4,963 |
| Retained earnings to average equity (ytd only) | 2.8328% | 3,747 |
| Net charge-offs to loans | 1.1360% | 1,605 |
| Credit loss provision to net charge-offs | 37.4218% | 5,938 |
| Earnings coverage of net charge-offs (x) | 0.8723% | 4,879 |
| Efficiency ratio | 84.9574% | 2,366 |
| Assets per employee ($millions) | 5.5728% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 4,925 |
| Loan loss allowance to noncurrent loans | 256.6465% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3791% | 6,511 |
| Noncurrent loans to loans | 0.4683% | 6,357 |
| Net loans and leases to total assets | 68.1021% | 4,136 |
| Net loans and leases to deposits | 78.5374% | 4,780 |
| Net loans and leases to core deposits | 92.9006% | 5,251 |
| Total domestic deposits to total assets | 86.7129% | 2,398 |
| Equity capital to assets | 8.2343% | 6,434 |
| Core capital (leverage) ratio | 8.9608% | 4,697 |
| Tier 1 risk-based capital ratio | 10.2209% | 6,686 |
| Total risk-based capital ratio | 13.7104% | 4,473 |
| Memoranda: | ||
| Average total assets | $934,632,330 | 749 |
| Average earning assets | $854,314,330 | 741 |
| Average equity | $67,917,670 | 985 |
| Average total loans | $703,346,000 | 697 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2745% | 1,373 |
| Cost of funding earning assets | 1.3467% | 6,883 |
| Net interest margin | 4.9278% | 478 |
| Noninterest income to average assets | -0.1651% | 8,154 |
| Noninterest expense to average assets | 4.2850% | 865 |
| Loan and lease loss provision to assets | 0.6725% | 1,879 |
| Net operating income to assets | -1.3751% | 7,450 |
| Return on assets (ROA) | -1.3751% | 7,464 |
| Pretax return on assets | -0.6621% | 6,942 |
| Return on Equity (ROE) | -20.4963% | 7,766 |
| Retained earnings to average equity (ytd only) | -20.4963% | 7,659 |
| Net charge-offs to loans | 0.8147% | 1,592 |
| Credit loss provision to net charge-offs | 104.6186% | 3,616 |
| Earnings coverage of net charge-offs (x) | 0.0161% | 4,962 |
| Efficiency ratio | 99.7068% | 1,141 |
| Assets per employee ($millions) | 4.7351% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5911% | 2,557 |
| Loan loss allowance to noncurrent loans | 324.3695% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.4383% | 6,187 |
| Noncurrent loans to loans | 0.4905% | 6,201 |
| Net loans and leases to total assets | 74.4728% | 2,624 |
| Net loans and leases to deposits | 82.3347% | 4,228 |
| Net loans and leases to core deposits | 98.9436% | 4,654 |
| Total domestic deposits to total assets | 90.4512% | 617 |
| Equity capital to assets | 6.6809% | 7,817 |
| Core capital (leverage) ratio | 7.0526% | 7,602 |
| Tier 1 risk-based capital ratio | 7.6875% | 8,039 |
| Total risk-based capital ratio | 11.4803% | 6,593 |
| Memoranda: | ||
| Average total assets | $889,249,000 | 794 |
| Average earning assets | $804,906,500 | 792 |
| Average equity | $59,659,500 | 1,147 |
| Average total loans | $701,612,500 | 703 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6915% | 2,060 |
| Cost of funding earning assets | 1.7648% | 7,101 |
| Net interest margin | 4.9267% | 603 |
| Noninterest income to average assets | -0.3000% | 8,240 |
| Noninterest expense to average assets | 4.4090% | 947 |
| Loan and lease loss provision to assets | 0.9522% | 1,551 |
| Net operating income to assets | -0.6283% | 7,022 |
| Return on assets (ROA) | -1.9133% | 7,545 |
| Pretax return on assets | -3.1924% | 7,756 |
| Return on Equity (ROE) | -30.0643% | 7,963 |
| Retained earnings to average equity (ytd only) | -30.0643% | 7,914 |
| Net charge-offs to loans | 0.2605% | 3,676 |
| Credit loss provision to net charge-offs | 467.8594% | 944 |
| Earnings coverage of net charge-offs (x) | -1.1412% | 6,617 |
| Efficiency ratio | 105.5304% | 819 |
| Assets per employee ($millions) | 5.8896% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 2,438 |
| Loan loss allowance to noncurrent loans | 253.5747% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 5,676 |
| Noncurrent loans to loans | 0.6124% | 5,533 |
| Net loans and leases to total assets | 81.0634% | 1,421 |
| Net loans and leases to deposits | 98.5411% | 2,044 |
| Net loans and leases to core deposits | 119.2241% | 2,770 |
| Total domestic deposits to total assets | 82.2636% | 4,096 |
| Equity capital to assets | 6.7389% | 7,860 |
| Core capital (leverage) ratio | 6.8685% | 7,787 |
| Tier 1 risk-based capital ratio | 7.0633% | 8,165 |
| Total risk-based capital ratio | 10.7852% | 7,187 |
| Memoranda: | ||
| Average total assets | $782,712,000 | 867 |
| Average earning assets | $711,231,200 | 857 |
| Average equity | $49,813,200 | 1,362 |
| Average total loans | $611,601,400 | 782 |