Home > American Perspective Bank > Performance and Condition Ratios
American Perspective Bank, Performance and Condition Ratios
| 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 | 4.7971% | 2,522 |
| Cost of funding earning assets | 0.6353% | 4,571 |
| Net interest margin | 4.1619% | 1,864 |
| Noninterest income to average assets | 0.3976% | 4,671 |
| Noninterest expense to average assets | 3.6990% | 1,376 |
| Loan and lease loss provision to assets | 0.4112% | 1,598 |
| Net operating income to assets | -0.3651% | 6,656 |
| Return on assets (ROA) | -0.3651% | 6,707 |
| Pretax return on assets | 0.2736% | 6,013 |
| Return on Equity (ROE) | -2.2269% | 6,635 |
| Retained earnings to average equity (ytd only) | -2.2269% | 6,387 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3793% | 1,593 |
| Assets per employee ($millions) | 7.3253% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9241% | 2,463 |
| Loan loss allowance to noncurrent loans | 933.3333% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.8943% | 4,584 |
| Noncurrent loans to loans | 0.2062% | 6,169 |
| Net loans and leases to total assets | 72.1407% | 1,535 |
| Net loans and leases to deposits | 88.8122% | 1,279 |
| Net loans and leases to core deposits | 110.2057% | 568 |
| Total domestic deposits to total assets | 81.2284% | 5,385 |
| Equity capital to assets | 15.8923% | 602 |
| Core capital (leverage) ratio | 15.9613% | 465 |
| Tier 1 risk-based capital ratio | 20.1319% | 1,681 |
| Total risk-based capital ratio | 21.3892% | 1,643 |
| Memoranda: | ||
| Average total assets | $264,611,000 | 2,417 |
| Average earning assets | $253,443,000 | 2,324 |
| Average equity | $43,379,000 | 1,611 |
| Average total loans | $190,632,000 | 2,114 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7935% | 2,665 |
| Cost of funding earning assets | 0.6725% | 4,517 |
| Net interest margin | 4.1211% | 2,024 |
| Noninterest income to average assets | 0.1285% | 6,607 |
| Noninterest expense to average assets | 2.4759% | 5,231 |
| Loan and lease loss provision to assets | 0.4239% | 1,480 |
| Net operating income to assets | 0.7070% | 3,851 |
| Return on assets (ROA) | 0.7070% | 4,070 |
| Pretax return on assets | 1.1767% | 3,002 |
| Return on Equity (ROE) | 4.2452% | 5,166 |
| Retained earnings to average equity (ytd only) | 4.2452% | 4,041 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7357% | 5,499 |
| Assets per employee ($millions) | 6.9377% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8988% | 2,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7636% | 5,018 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 69.9419% | 1,765 |
| Net loans and leases to deposits | 86.3953% | 1,373 |
| Net loans and leases to core deposits | 108.6244% | 583 |
| Total domestic deposits to total assets | 80.9557% | 5,617 |
| Equity capital to assets | 16.6364% | 480 |
| Core capital (leverage) ratio | 16.8894% | 364 |
| Tier 1 risk-based capital ratio | 21.8557% | 1,309 |
| Total risk-based capital ratio | 23.1128% | 1,286 |
| Memoranda: | ||
| Average total assets | $261,398,000 | 2,468 |
| Average earning assets | $250,421,000 | 2,360 |
| Average equity | $43,531,500 | 1,605 |
| Average total loans | $186,266,000 | 2,157 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8425% | 3,611 |
| Cost of funding earning assets | 0.8087% | 4,803 |
| Net interest margin | 4.0338% | 2,714 |
| Noninterest income to average assets | -0.1116% | 7,106 |
| Noninterest expense to average assets | 2.5660% | 5,219 |
| Loan and lease loss provision to assets | 0.3453% | 2,933 |
| Net operating income to assets | 1.1144% | 1,778 |
| Return on assets (ROA) | 1.1413% | 1,810 |
| Pretax return on assets | 0.8669% | 3,722 |
| Return on Equity (ROE) | 6.7960% | 3,489 |
| Retained earnings to average equity (ytd only) | 6.7960% | 1,593 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4033% | 4,275 |
| Assets per employee ($millions) | 6.8201% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7836% | 2,921 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7767% | 5,082 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 69.9486% | 2,043 |
| Net loans and leases to deposits | 86.1684% | 1,647 |
| Net loans and leases to core deposits | 109.8420% | 629 |
| Total domestic deposits to total assets | 81.1767% | 5,396 |
| Equity capital to assets | 16.6706% | 491 |
| Core capital (leverage) ratio | 16.6616% | 398 |
| Tier 1 risk-based capital ratio | 21.8504% | 1,254 |
| Total risk-based capital ratio | 23.1059% | 1,226 |
| Memoranda: | ||
| Average total assets | $245,596,400 | 2,576 |
| Average earning assets | $235,186,600 | 2,448 |
| Average equity | $41,244,600 | 1,626 |
| Average total loans | $175,924,400 | 2,309 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8195% | 3,942 |
| Cost of funding earning assets | 0.8445% | 4,810 |
| Net interest margin | 3.9751% | 3,027 |
| Noninterest income to average assets | -0.1756% | 7,252 |
| Noninterest expense to average assets | 2.6137% | 5,026 |
| Loan and lease loss provision to assets | 0.3242% | 2,941 |
| Net operating income to assets | 0.6920% | 3,665 |
| Return on assets (ROA) | 0.7283% | 3,652 |
| Pretax return on assets | 0.7294% | 4,378 |
| Return on Equity (ROE) | 4.3282% | 4,853 |
| Retained earnings to average equity (ytd only) | 4.3282% | 3,649 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9830% | 3,557 |
| Assets per employee ($millions) | 6.7177% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6854% | 3,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7886% | 5,194 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 69.3076% | 2,217 |
| Net loans and leases to deposits | 85.1238% | 1,817 |
| Net loans and leases to core deposits | 110.2991% | 659 |
| Total domestic deposits to total assets | 81.4198% | 5,287 |
| Equity capital to assets | 16.2834% | 585 |
| Core capital (leverage) ratio | 16.2696% | 470 |
| Tier 1 risk-based capital ratio | 21.5193% | 1,367 |
| Total risk-based capital ratio | 22.7739% | 1,334 |
| Memoranda: | ||
| Average total assets | $242,204,750 | 2,619 |
| Average earning assets | $231,939,000 | 2,485 |
| Average equity | $40,754,750 | 1,652 |
| Average total loans | $173,762,250 | 2,343 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8170% | 4,024 |
| Cost of funding earning assets | 0.8772% | 4,844 |
| Net interest margin | 3.9398% | 3,123 |
| Noninterest income to average assets | -0.0387% | 7,245 |
| Noninterest expense to average assets | 2.7631% | 4,575 |
| Loan and lease loss provision to assets | 0.1884% | 4,033 |
| Net operating income to assets | 0.7736% | 3,182 |
| Return on assets (ROA) | 0.7736% | 3,316 |
| Pretax return on assets | 0.7753% | 4,119 |
| Return on Equity (ROE) | 4.5450% | 4,676 |
| Retained earnings to average equity (ytd only) | 4.5450% | 3,296 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1426% | 3,343 |
| Assets per employee ($millions) | 6.2539% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 4,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9885% | 4,891 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 71.3433% | 1,921 |
| Net loans and leases to deposits | 88.5500% | 1,422 |
| Net loans and leases to core deposits | 118.6546% | 452 |
| Total domestic deposits to total assets | 80.5683% | 5,665 |
| Equity capital to assets | 16.8507% | 499 |
| Core capital (leverage) ratio | 16.9068% | 412 |
| Tier 1 risk-based capital ratio | 21.8386% | 1,282 |
| Total risk-based capital ratio | 23.0910% | 1,254 |
| Memoranda: | ||
| Average total assets | $237,849,000 | 2,677 |
| Average earning assets | $227,321,670 | 2,560 |
| Average equity | $40,484,000 | 1,655 |
| Average total loans | $171,697,670 | 2,385 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7166% | 4,451 |
| Cost of funding earning assets | 0.8947% | 4,962 |
| Net interest margin | 3.8218% | 3,503 |
| Noninterest income to average assets | 0.0630% | 7,078 |
| Noninterest expense to average assets | 2.8021% | 4,429 |
| Loan and lease loss provision to assets | 0.0954% | 4,820 |
| Net operating income to assets | 0.8074% | 2,992 |
| Return on assets (ROA) | 0.8074% | 3,056 |
| Pretax return on assets | 0.8108% | 3,864 |
| Return on Equity (ROE) | 4.7192% | 4,549 |
| Retained earnings to average equity (ytd only) | 4.7192% | 3,370 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5627% | 3,232 |
| Assets per employee ($millions) | 6.5071% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 4,406 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0654% | 4,793 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 70.1913% | 2,093 |
| Net loans and leases to deposits | 87.0636% | 1,588 |
| Net loans and leases to core deposits | 112.5067% | 643 |
| Total domestic deposits to total assets | 80.6207% | 5,782 |
| Equity capital to assets | 16.7975% | 465 |
| Core capital (leverage) ratio | 17.4206% | 364 |
| Tier 1 risk-based capital ratio | 22.3117% | 1,175 |
| Total risk-based capital ratio | 23.5637% | 1,151 |
| Memoranda: | ||
| Average total assets | $234,823,000 | 2,727 |
| Average earning assets | $223,976,000 | 2,616 |
| Average equity | $40,176,500 | 1,660 |
| Average total loans | $169,209,000 | 2,445 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7684% | 5,539 |
| Cost of funding earning assets | 1.0589% | 5,376 |
| Net interest margin | 3.7095% | 4,310 |
| Noninterest income to average assets | 0.1585% | 6,589 |
| Noninterest expense to average assets | 3.1447% | 3,296 |
| Loan and lease loss provision to assets | 0.5900% | 2,779 |
| Net operating income to assets | -0.0431% | 5,917 |
| Return on assets (ROA) | 0.2242% | 5,355 |
| Pretax return on assets | 0.2251% | 5,428 |
| Return on Equity (ROE) | 1.2064% | 5,646 |
| Retained earnings to average equity (ytd only) | 1.2064% | 4,947 |
| Net charge-offs to loans | 0.8719% | 2,449 |
| Credit loss provision to net charge-offs | 96.6206% | 4,807 |
| Earnings coverage of net charge-offs (x) | 0.8971% | 5,217 |
| Efficiency ratio | 85.1645% | 1,786 |
| Assets per employee ($millions) | 6.5395% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 4,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9564% | 3,400 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 71.8617% | 2,131 |
| Net loans and leases to deposits | 93.4561% | 1,106 |
| Net loans and leases to core deposits | 117.3734% | 595 |
| Total domestic deposits to total assets | 76.8935% | 6,497 |
| Equity capital to assets | 17.4372% | 411 |
| Core capital (leverage) ratio | 17.7399% | 345 |
| Tier 1 risk-based capital ratio | 22.5816% | 1,093 |
| Total risk-based capital ratio | 23.8337% | 1,075 |
| Memoranda: | ||
| Average total assets | $213,217,600 | 2,946 |
| Average earning assets | $203,127,200 | 2,832 |
| Average equity | $39,622,000 | 1,667 |
| Average total loans | $149,321,400 | 2,785 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7512% | 5,848 |
| Cost of funding earning assets | 1.0911% | 5,477 |
| Net interest margin | 3.6601% | 4,593 |
| Noninterest income to average assets | 0.3803% | 5,109 |
| Noninterest expense to average assets | 3.3100% | 2,539 |
| Loan and lease loss provision to assets | 0.6249% | 2,433 |
| Net operating income to assets | -0.0636% | 6,130 |
| Return on assets (ROA) | 0.1994% | 5,669 |
| Pretax return on assets | 0.2007% | 5,734 |
| Return on Equity (ROE) | 1.0552% | 5,887 |
| Retained earnings to average equity (ytd only) | 1.0552% | 5,395 |
| Net charge-offs to loans | 1.1979% | 1,702 |
| Credit loss provision to net charge-offs | 75.3456% | 5,270 |
| Earnings coverage of net charge-offs (x) | 0.6751% | 5,369 |
| Efficiency ratio | 85.5309% | 1,679 |
| Assets per employee ($millions) | 6.6030% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4441% | 4,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1969% | 3,207 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 67.8712% | 3,253 |
| Net loans and leases to deposits | 86.1012% | 2,317 |
| Net loans and leases to core deposits | 110.0585% | 1,031 |
| Total domestic deposits to total assets | 78.8272% | 6,059 |
| Equity capital to assets | 18.2370% | 395 |
| Core capital (leverage) ratio | 18.2356% | 335 |
| Tier 1 risk-based capital ratio | 24.0138% | 943 |
| Total risk-based capital ratio | 25.2650% | 918 |
| Memoranda: | ||
| Average total assets | $209,301,000 | 3,033 |
| Average earning assets | $199,550,750 | 2,928 |
| Average equity | $39,549,750 | 1,682 |
| Average total loans | $144,920,750 | 2,894 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7766% | 5,875 |
| Cost of funding earning assets | 1.0818% | 5,771 |
| Net interest margin | 3.6948% | 4,386 |
| Noninterest income to average assets | 0.6811% | 2,812 |
| Noninterest expense to average assets | 3.4461% | 2,151 |
| Loan and lease loss provision to assets | 0.5765% | 2,466 |
| Net operating income to assets | 0.1947% | 5,580 |
| Return on assets (ROA) | 0.2800% | 5,411 |
| Pretax return on assets | 0.2810% | 5,559 |
| Return on Equity (ROE) | 1.4638% | 5,810 |
| Retained earnings to average equity (ytd only) | 1.4638% | 5,140 |
| Net charge-offs to loans | 1.1689% | 1,624 |
| Credit loss provision to net charge-offs | 71.0872% | 4,941 |
| Earnings coverage of net charge-offs (x) | 0.9522% | 4,826 |
| Efficiency ratio | 81.6950% | 2,212 |
| Assets per employee ($millions) | 6.8479% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 3,983 |
| Loan loss allowance to noncurrent loans | 72.6391% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 2.5400% | 2,846 |
| Noncurrent loans to loans | 2.0511% | 3,651 |
| Net loans and leases to total assets | 69.9547% | 2,908 |
| Net loans and leases to deposits | 90.6873% | 1,742 |
| Net loans and leases to core deposits | 118.9278% | 730 |
| Total domestic deposits to total assets | 77.1384% | 6,468 |
| Equity capital to assets | 18.7455% | 357 |
| Core capital (leverage) ratio | 18.9343% | 294 |
| Tier 1 risk-based capital ratio | 24.2624% | 916 |
| Total risk-based capital ratio | 25.5142% | 893 |
| Memoranda: | ||
| Average total assets | $206,435,330 | 3,088 |
| Average earning assets | $197,630,670 | 2,981 |
| Average equity | $39,487,000 | 1,685 |
| Average total loans | $143,208,670 | 2,954 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7227% | 6,163 |
| Cost of funding earning assets | 1.0479% | 6,142 |
| Net interest margin | 3.6748% | 4,375 |
| Noninterest income to average assets | 0.9238% | 1,540 |
| Noninterest expense to average assets | 3.6421% | 1,632 |
| Loan and lease loss provision to assets | 0.5150% | 2,439 |
| Net operating income to assets | 0.2889% | 5,336 |
| Return on assets (ROA) | 0.2889% | 5,470 |
| Pretax return on assets | 0.2889% | 5,640 |
| Return on Equity (ROE) | 1.4949% | 5,960 |
| Retained earnings to average equity (ytd only) | 1.4949% | 5,195 |
| Net charge-offs to loans | 1.8216% | 949 |
| Credit loss provision to net charge-offs | 41.2598% | 4,621 |
| Earnings coverage of net charge-offs (x) | 0.6441% | 4,452 |
| Efficiency ratio | 81.9187% | 2,278 |
| Assets per employee ($millions) | 6.8017% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 3,800 |
| Loan loss allowance to noncurrent loans | 37.4138% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 4.2759% | 1,593 |
| Noncurrent loans to loans | 4.0683% | 1,917 |
| Net loans and leases to total assets | 67.0604% | 3,615 |
| Net loans and leases to deposits | 84.0900% | 2,925 |
| Net loans and leases to core deposits | 111.6243% | 1,187 |
| Total domestic deposits to total assets | 79.7483% | 5,872 |
| Equity capital to assets | 19.3642% | 316 |
| Core capital (leverage) ratio | 19.4833% | 281 |
| Tier 1 risk-based capital ratio | 25.9554% | 776 |
| Total risk-based capital ratio | 27.2076% | 762 |
| Memoranda: | ||
| Average total assets | $203,510,000 | 3,174 |
| Average earning assets | $195,056,000 | 3,059 |
| Average equity | $39,333,500 | 1,706 |
| Average total loans | $139,438,000 | 3,089 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0684% | 6,200 |
| Cost of funding earning assets | 1.2640% | 6,426 |
| Net interest margin | 3.8045% | 3,688 |
| Noninterest income to average assets | 0.0505% | 7,500 |
| Noninterest expense to average assets | 2.7864% | 5,029 |
| Loan and lease loss provision to assets | 1.9179% | 1,156 |
| Net operating income to assets | -0.9734% | 6,558 |
| Return on assets (ROA) | -0.9473% | 6,538 |
| Pretax return on assets | -0.9467% | 6,375 |
| Return on Equity (ROE) | -4.2816% | 6,140 |
| Retained earnings to average equity (ytd only) | -4.2816% | 5,913 |
| Net charge-offs to loans | 2.0359% | 1,206 |
| Credit loss provision to net charge-offs | 132.1865% | 3,797 |
| Earnings coverage of net charge-offs (x) | 0.6514% | 5,439 |
| Efficiency ratio | 74.6730% | 3,766 |
| Assets per employee ($millions) | 7.8065% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7781% | 2,617 |
| Loan loss allowance to noncurrent loans | 37.6058% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 3.2596% | 2,105 |
| Noncurrent loans to loans | 4.7283% | 1,473 |
| Net loans and leases to total assets | 67.7126% | 3,765 |
| Net loans and leases to deposits | 90.2681% | 2,179 |
| Net loans and leases to core deposits | 125.6181% | 1,545 |
| Total domestic deposits to total assets | 75.0128% | 6,863 |
| Equity capital to assets | 19.2907% | 346 |
| Core capital (leverage) ratio | 20.3175% | 263 |
| Tier 1 risk-based capital ratio | 25.6886% | 786 |
| Total risk-based capital ratio | 26.9440% | 774 |
| Memoranda: | ||
| Average total assets | $180,303,200 | 3,433 |
| Average earning assets | $174,452,000 | 3,286 |
| Average equity | $39,892,000 | 1,679 |
| Average total loans | $128,491,000 | 3,298 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1379% | 6,148 |
| Cost of funding earning assets | 1.3184% | 6,497 |
| Net interest margin | 3.8195% | 3,574 |
| Noninterest income to average assets | 0.0458% | 7,667 |
| Noninterest expense to average assets | 2.8203% | 4,815 |
| Loan and lease loss provision to assets | 2.4118% | 699 |
| Net operating income to assets | -1.4880% | 7,106 |
| Return on assets (ROA) | -1.4880% | 7,105 |
| Pretax return on assets | -1.4880% | 6,958 |
| Return on Equity (ROE) | -6.4841% | 6,603 |
| Retained earnings to average equity (ytd only) | -6.4841% | 6,441 |
| Net charge-offs to loans | 0.0923% | 5,757 |
| Credit loss provision to net charge-offs | 3,631.0345% | 112 |
| Earnings coverage of net charge-offs (x) | 13.9077% | 1,641 |
| Efficiency ratio | 75.3263% | 3,636 |
| Assets per employee ($millions) | 7.2196% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5129% | 416 |
| Loan loss allowance to noncurrent loans | 51.4953% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 4.8810% | 1,207 |
| Noncurrent loans to loans | 6.8218% | 807 |
| Net loans and leases to total assets | 69.0361% | 3,702 |
| Net loans and leases to deposits | 90.3997% | 2,503 |
| Net loans and leases to core deposits | 123.7710% | 1,923 |
| Total domestic deposits to total assets | 76.3677% | 6,508 |
| Equity capital to assets | 20.6575% | 297 |
| Core capital (leverage) ratio | 20.9548% | 260 |
| Tier 1 risk-based capital ratio | 27.0311% | 745 |
| Total risk-based capital ratio | 28.3075% | 725 |
| Memoranda: | ||
| Average total assets | $174,637,000 | 3,538 |
| Average earning assets | $169,091,750 | 3,383 |
| Average equity | $40,076,500 | 1,692 |
| Average total loans | $125,633,000 | 3,390 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3094% | 5,614 |
| Cost of funding earning assets | 1.3683% | 6,590 |
| Net interest margin | 3.9411% | 2,924 |
| Noninterest income to average assets | 0.0388% | 7,794 |
| Noninterest expense to average assets | 2.8659% | 4,656 |
| Loan and lease loss provision to assets | 0.6801% | 2,391 |
| Net operating income to assets | 0.3054% | 4,873 |
| Return on assets (ROA) | 0.3054% | 4,986 |
| Pretax return on assets | 0.3054% | 5,198 |
| Return on Equity (ROE) | 1.2836% | 5,542 |
| Retained earnings to average equity (ytd only) | 1.2836% | 4,626 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4129% | 3,968 |
| Assets per employee ($millions) | 6.7572% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7002% | 2,348 |
| Loan loss allowance to noncurrent loans | 73.8712% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.7144% | 3,614 |
| Noncurrent loans to loans | 2.3016% | 3,135 |
| Net loans and leases to total assets | 73.2228% | 2,905 |
| Net loans and leases to deposits | 100.4694% | 1,241 |
| Net loans and leases to core deposits | 143.3109% | 866 |
| Total domestic deposits to total assets | 72.8807% | 7,126 |
| Equity capital to assets | 23.2487% | 244 |
| Core capital (leverage) ratio | 23.5392% | 241 |
| Tier 1 risk-based capital ratio | 29.4049% | 635 |
| Total risk-based capital ratio | 30.6598% | 622 |
| Memoranda: | ||
| Average total assets | $170,279,670 | 3,633 |
| Average earning assets | $164,727,670 | 3,479 |
| Average equity | $40,510,000 | 1,673 |
| Average total loans | $122,742,330 | 3,479 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2407% | 6,157 |
| Cost of funding earning assets | 1.5157% | 6,359 |
| Net interest margin | 3.7250% | 3,781 |
| Noninterest income to average assets | 0.0382% | 7,892 |
| Noninterest expense to average assets | 2.6400% | 5,266 |
| Loan and lease loss provision to assets | 0.5132% | 2,416 |
| Net operating income to assets | 0.4869% | 4,481 |
| Return on assets (ROA) | 0.4869% | 4,670 |
| Pretax return on assets | 0.4869% | 5,116 |
| Return on Equity (ROE) | 2.0227% | 5,766 |
| Retained earnings to average equity (ytd only) | 2.0227% | 4,735 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5246% | 4,098 |
| Assets per employee ($millions) | 7.0523% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5408% | 2,762 |
| Loan loss allowance to noncurrent loans | 62.8716% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 1.6789% | 3,408 |
| Noncurrent loans to loans | 2.4507% | 2,694 |
| Net loans and leases to total assets | 67.4496% | 4,258 |
| Net loans and leases to deposits | 92.1210% | 2,576 |
| Net loans and leases to core deposits | 125.1344% | 1,984 |
| Total domestic deposits to total assets | 73.2185% | 7,024 |
| Equity capital to assets | 23.0035% | 275 |
| Core capital (leverage) ratio | 24.6506% | 239 |
| Tier 1 risk-based capital ratio | 30.8953% | 587 |
| Total risk-based capital ratio | 32.1480% | 570 |
| Memoranda: | ||
| Average total assets | $167,576,000 | 3,698 |
| Average earning assets | $162,038,500 | 3,541 |
| Average equity | $40,342,500 | 1,692 |
| Average total loans | $118,679,500 | 3,591 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3131% | 7,584 |
| Cost of funding earning assets | 1.3658% | 7,784 |
| Net interest margin | 3.9473% | 3,375 |
| Noninterest income to average assets | 0.0429% | 7,924 |
| Noninterest expense to average assets | 3.4619% | 2,493 |
| Loan and lease loss provision to assets | 1.4074% | 985 |
| Net operating income to assets | -1.0578% | 7,274 |
| Return on assets (ROA) | -1.0542% | 7,203 |
| Pretax return on assets | -1.0533% | 7,032 |
| Return on Equity (ROE) | -2.8551% | 6,600 |
| Retained earnings to average equity (ytd only) | -2.8551% | 6,070 |
| Net charge-offs to loans | 0.1345% | 4,881 |
| Credit loss provision to net charge-offs | 1,793.0233% | 244 |
| Earnings coverage of net charge-offs (x) | 4.4651% | 3,973 |
| Efficiency ratio | 90.8068% | 1,453 |
| Assets per employee ($millions) | 6.6185% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 3,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 72.3559% | 3,509 |
| Net loans and leases to deposits | 102.4916% | 1,534 |
| Net loans and leases to core deposits | 132.1190% | 1,712 |
| Total domestic deposits to total assets | 70.5969% | 7,216 |
| Equity capital to assets | 25.2625% | 262 |
| Core capital (leverage) ratio | 27.5801% | 216 |
| Tier 1 risk-based capital ratio | 32.1204% | 545 |
| Total risk-based capital ratio | 33.3721% | 530 |
| Memoranda: | ||
| Average total assets | $109,563,800 | 4,799 |
| Average earning assets | $104,627,600 | 4,661 |
| Average equity | $40,454,400 | 1,659 |
| Average total loans | $63,954,400 | 5,099 |