Home > Bank of Alameda > Performance and Condition Ratios
Bank of Alameda, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9892% | 4,173 |
| Cost of funding earning assets | 0.1260% | 6,715 |
| Net interest margin | 3.8632% | 2,404 |
| Noninterest income to average assets | 0.7786% | 2,249 |
| Noninterest expense to average assets | 3.4451% | 1,726 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 3.5983% | 74 |
| Return on assets (ROA) | 3.5983% | 70 |
| Pretax return on assets | 0.9734% | 3,605 |
| Return on Equity (ROE) | 29.4032% | 72 |
| Retained earnings to average equity (ytd only) | 25.7206% | 43 |
| Net charge-offs to loans | -0.2829% | 6,717 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9692% | 2,425 |
| Assets per employee ($millions) | 4.6834% | 2,602 |
| Cash dividends to net income (ytd only)* | 12.5244% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2091% | 1,313 |
| Loan loss allowance to noncurrent loans | 497.0812% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 5,051 |
| Noncurrent loans to loans | 0.4444% | 5,088 |
| Net loans and leases to total assets | 63.8326% | 3,021 |
| Net loans and leases to deposits | 73.0789% | 3,385 |
| Net loans and leases to core deposits | 73.3379% | 3,929 |
| Total domestic deposits to total assets | 87.3476% | 2,482 |
| Equity capital to assets | 12.4440% | 1,617 |
| Core capital (leverage) ratio | 11.5905% | 1,964 |
| Tier 1 risk-based capital ratio | 16.6519% | 2,881 |
| Total risk-based capital ratio | 17.9121% | 2,837 |
| Memoranda: | ||
| Average total assets | $266,268,000 | 2,393 |
| Average earning assets | $250,870,750 | 2,332 |
| Average equity | $32,585,250 | 2,120 |
| Average total loans | $173,441,000 | 2,274 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9389% | 4,325 |
| Cost of funding earning assets | 0.1182% | 6,783 |
| Net interest margin | 3.8207% | 2,473 |
| Noninterest income to average assets | 1.0179% | 1,478 |
| Noninterest expense to average assets | 3.5209% | 1,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 5.1982% | 40 |
| Return on assets (ROA) | 5.1982% | 41 |
| Pretax return on assets | 1.1131% | 3,041 |
| Return on Equity (ROE) | 42.7231% | 28 |
| Retained earnings to average equity (ytd only) | 37.1294% | 18 |
| Net charge-offs to loans | -0.3195% | 6,770 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9791% | 2,792 |
| Assets per employee ($millions) | 4.4694% | 2,865 |
| Cash dividends to net income (ytd only)* | 13.0928% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1480% | 1,532 |
| Loan loss allowance to noncurrent loans | 212.7991% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.8563% | 4,104 |
| Noncurrent loans to loans | 1.0094% | 3,914 |
| Net loans and leases to total assets | 66.0624% | 2,580 |
| Net loans and leases to deposits | 75.8838% | 2,893 |
| Net loans and leases to core deposits | 76.1615% | 3,526 |
| Total domestic deposits to total assets | 87.0573% | 2,788 |
| Equity capital to assets | 12.7205% | 1,461 |
| Core capital (leverage) ratio | 11.7773% | 1,742 |
| Tier 1 risk-based capital ratio | 16.0025% | 3,194 |
| Total risk-based capital ratio | 17.2617% | 3,129 |
| Memoranda: | ||
| Average total assets | $264,477,330 | 2,416 |
| Average earning assets | $250,323,000 | 2,342 |
| Average equity | $32,179,330 | 2,145 |
| Average total loans | $172,150,670 | 2,290 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8452% | 4,666 |
| Cost of funding earning assets | 0.1168% | 6,871 |
| Net interest margin | 3.7284% | 2,743 |
| Noninterest income to average assets | 1.4543% | 729 |
| Noninterest expense to average assets | 3.6471% | 1,342 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 9.9053% | 19 |
| Return on assets (ROA) | 9.9053% | 19 |
| Pretax return on assets | 1.3758% | 1,938 |
| Return on Equity (ROE) | 83.2955% | 10 |
| Retained earnings to average equity (ytd only) | 83.2955% | 7 |
| Net charge-offs to loans | 0.4255% | 1,392 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.0611% | 2,413 |
| Efficiency ratio | 72.6097% | 3,500 |
| Assets per employee ($millions) | 4.3336% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9748% | 2,110 |
| Loan loss allowance to noncurrent loans | 166.5348% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.9718% | 3,985 |
| Noncurrent loans to loans | 1.1858% | 3,788 |
| Net loans and leases to total assets | 63.2627% | 2,838 |
| Net loans and leases to deposits | 73.0151% | 3,049 |
| Net loans and leases to core deposits | 73.3629% | 3,656 |
| Total domestic deposits to total assets | 86.6433% | 3,158 |
| Equity capital to assets | 13.1244% | 1,371 |
| Core capital (leverage) ratio | 12.1885% | 1,468 |
| Tier 1 risk-based capital ratio | 17.0386% | 2,733 |
| Total risk-based capital ratio | 18.2965% | 2,701 |
| Memoranda: | ||
| Average total assets | $264,869,500 | 2,442 |
| Average earning assets | $253,514,000 | 2,347 |
| Average equity | $31,497,500 | 2,213 |
| Average total loans | $169,213,000 | 2,333 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0980% | 4,956 |
| Cost of funding earning assets | 0.2075% | 6,816 |
| Net interest margin | 3.8906% | 2,870 |
| Noninterest income to average assets | 0.5322% | 3,697 |
| Noninterest expense to average assets | 3.6147% | 1,575 |
| Loan and lease loss provision to assets | 1.0102% | 405 |
| Net operating income to assets | -0.3400% | 6,473 |
| Return on assets (ROA) | -0.1990% | 6,445 |
| Pretax return on assets | -0.1986% | 6,426 |
| Return on Equity (ROE) | -1.8481% | 6,446 |
| Retained earnings to average equity (ytd only) | -1.8481% | 6,143 |
| Net charge-offs to loans | 2.3388% | 279 |
| Credit loss provision to net charge-offs | 67.8096% | 4,224 |
| Earnings coverage of net charge-offs (x) | 0.4501% | 5,263 |
| Efficiency ratio | 84.3519% | 1,584 |
| Assets per employee ($millions) | 4.3507% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1147% | 1,731 |
| Loan loss allowance to noncurrent loans | 178.7009% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.9220% | 4,191 |
| Noncurrent loans to loans | 1.1834% | 3,878 |
| Net loans and leases to total assets | 61.8990% | 3,263 |
| Net loans and leases to deposits | 69.4923% | 3,769 |
| Net loans and leases to core deposits | 69.8125% | 4,340 |
| Total domestic deposits to total assets | 89.0731% | 1,511 |
| Equity capital to assets | 10.6638% | 3,323 |
| Core capital (leverage) ratio | 10.2562% | 3,069 |
| Tier 1 risk-based capital ratio | 15.8013% | 3,268 |
| Total risk-based capital ratio | 17.0612% | 3,218 |
| Memoranda: | ||
| Average total assets | $262,320,400 | 2,411 |
| Average earning assets | $253,047,800 | 2,287 |
| Average equity | $28,245,600 | 2,377 |
| Average total loans | $167,093,600 | 2,338 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1419% | 5,031 |
| Cost of funding earning assets | 0.2258% | 6,889 |
| Net interest margin | 3.9161% | 2,852 |
| Noninterest income to average assets | 0.5572% | 3,557 |
| Noninterest expense to average assets | 3.7019% | 1,360 |
| Loan and lease loss provision to assets | 1.3509% | 255 |
| Net operating income to assets | -0.7213% | 6,785 |
| Return on assets (ROA) | -0.6321% | 6,775 |
| Pretax return on assets | -0.6316% | 6,753 |
| Return on Equity (ROE) | -5.8561% | 6,749 |
| Retained earnings to average equity (ytd only) | -5.8561% | 6,667 |
| Net charge-offs to loans | 2.3884% | 266 |
| Credit loss provision to net charge-offs | 88.6288% | 3,339 |
| Earnings coverage of net charge-offs (x) | 0.4134% | 5,119 |
| Efficiency ratio | 85.4554% | 1,437 |
| Assets per employee ($millions) | 4.5259% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7481% | 938 |
| Loan loss allowance to noncurrent loans | 73.9692% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 2.8260% | 1,863 |
| Noncurrent loans to loans | 3.7152% | 1,433 |
| Net loans and leases to total assets | 58.2131% | 4,099 |
| Net loans and leases to deposits | 65.6781% | 4,509 |
| Net loans and leases to core deposits | 66.1456% | 4,941 |
| Total domestic deposits to total assets | 88.6339% | 1,636 |
| Equity capital to assets | 10.2458% | 4,145 |
| Core capital (leverage) ratio | 10.2819% | 3,187 |
| Tier 1 risk-based capital ratio | 15.5765% | 3,492 |
| Total risk-based capital ratio | 16.8431% | 3,452 |
| Memoranda: | ||
| Average total assets | $261,552,500 | 2,446 |
| Average earning assets | $252,116,250 | 2,331 |
| Average equity | $28,231,750 | 2,393 |
| Average total loans | $166,911,000 | 2,374 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2289% | 4,855 |
| Cost of funding earning assets | 0.2268% | 6,976 |
| Net interest margin | 4.0021% | 2,494 |
| Noninterest income to average assets | 0.4639% | 4,174 |
| Noninterest expense to average assets | 3.6682% | 1,435 |
| Loan and lease loss provision to assets | 2.0525% | 136 |
| Net operating income to assets | -1.3903% | 6,996 |
| Return on assets (ROA) | -1.2578% | 6,987 |
| Pretax return on assets | -1.2571% | 6,958 |
| Return on Equity (ROE) | -11.4495% | 6,932 |
| Retained earnings to average equity (ytd only) | -11.4495% | 6,874 |
| Net charge-offs to loans | 3.6943% | 132 |
| Credit loss provision to net charge-offs | 85.2090% | 3,181 |
| Earnings coverage of net charge-offs (x) | 0.2752% | 4,941 |
| Efficiency ratio | 84.6924% | 1,566 |
| Assets per employee ($millions) | 4.1608% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6305% | 1,119 |
| Loan loss allowance to noncurrent loans | 65.2899% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 3.2148% | 1,695 |
| Noncurrent loans to loans | 4.0289% | 1,367 |
| Net loans and leases to total assets | 62.3754% | 3,359 |
| Net loans and leases to deposits | 70.0614% | 3,886 |
| Net loans and leases to core deposits | 70.9233% | 4,425 |
| Total domestic deposits to total assets | 89.0296% | 1,483 |
| Equity capital to assets | 10.5324% | 3,648 |
| Core capital (leverage) ratio | 10.1252% | 3,236 |
| Tier 1 risk-based capital ratio | 15.0851% | 3,716 |
| Total risk-based capital ratio | 16.3499% | 3,667 |
| Memoranda: | ||
| Average total assets | $258,218,670 | 2,478 |
| Average earning assets | $249,520,000 | 2,359 |
| Average equity | $28,368,000 | 2,363 |
| Average total loans | $168,365,670 | 2,368 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1943% | 5,121 |
| Cost of funding earning assets | 0.2173% | 7,075 |
| Net interest margin | 3.9770% | 2,601 |
| Noninterest income to average assets | 0.4691% | 4,146 |
| Noninterest expense to average assets | 3.6308% | 1,497 |
| Loan and lease loss provision to assets | 0.1161% | 3,901 |
| Net operating income to assets | 0.5760% | 4,466 |
| Return on assets (ROA) | 0.5760% | 4,691 |
| Pretax return on assets | 0.5760% | 5,200 |
| Return on Equity (ROE) | 5.1369% | 4,721 |
| Retained earnings to average equity (ytd only) | 5.1369% | 3,477 |
| Net charge-offs to loans | 1.3583% | 745 |
| Credit loss provision to net charge-offs | 12.9983% | 3,865 |
| Earnings coverage of net charge-offs (x) | 0.7747% | 3,947 |
| Efficiency ratio | 83.9900% | 1,685 |
| Assets per employee ($millions) | 4.4816% | 3,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4742% | 1,395 |
| Loan loss allowance to noncurrent loans | 92.2632% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 2.3801% | 2,496 |
| Noncurrent loans to loans | 2.6816% | 2,430 |
| Net loans and leases to total assets | 63.1079% | 3,018 |
| Net loans and leases to deposits | 70.9732% | 3,596 |
| Net loans and leases to core deposits | 71.8099% | 4,181 |
| Total domestic deposits to total assets | 88.9180% | 1,751 |
| Equity capital to assets | 10.8503% | 3,084 |
| Core capital (leverage) ratio | 11.4559% | 1,922 |
| Tier 1 risk-based capital ratio | 15.4884% | 3,456 |
| Total risk-based capital ratio | 16.7516% | 3,423 |
| Memoranda: | ||
| Average total assets | $258,344,500 | 2,490 |
| Average earning assets | $250,340,500 | 2,362 |
| Average equity | $28,967,000 | 2,324 |
| Average total loans | $169,921,000 | 2,365 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3330% | 5,658 |
| Cost of funding earning assets | 0.2811% | 7,136 |
| Net interest margin | 4.0519% | 2,628 |
| Noninterest income to average assets | 0.2822% | 5,511 |
| Noninterest expense to average assets | 3.5506% | 1,861 |
| Loan and lease loss provision to assets | 0.3577% | 2,863 |
| Net operating income to assets | 0.2460% | 5,435 |
| Return on assets (ROA) | 0.2460% | 5,580 |
| Pretax return on assets | 0.2806% | 5,609 |
| Return on Equity (ROE) | 2.1886% | 5,588 |
| Retained earnings to average equity (ytd only) | 2.1886% | 4,653 |
| Net charge-offs to loans | 1.1746% | 1,439 |
| Credit loss provision to net charge-offs | 47.0465% | 5,490 |
| Earnings coverage of net charge-offs (x) | 0.8395% | 5,172 |
| Efficiency ratio | 84.7628% | 1,684 |
| Assets per employee ($millions) | 4.3473% | 3,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8985% | 892 |
| Loan loss allowance to noncurrent loans | 62.8613% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 3.8302% | 1,507 |
| Noncurrent loans to loans | 4.6110% | 1,285 |
| Net loans and leases to total assets | 64.9879% | 2,987 |
| Net loans and leases to deposits | 73.7267% | 3,539 |
| Net loans and leases to core deposits | 74.6778% | 4,151 |
| Total domestic deposits to total assets | 88.1470% | 2,064 |
| Equity capital to assets | 11.6056% | 2,420 |
| Core capital (leverage) ratio | 11.3481% | 2,005 |
| Tier 1 risk-based capital ratio | 16.2340% | 2,936 |
| Total risk-based capital ratio | 17.5027% | 2,896 |
| Memoranda: | ||
| Average total assets | $251,621,000 | 2,504 |
| Average earning assets | $242,603,800 | 2,376 |
| Average equity | $28,283,400 | 2,313 |
| Average total loans | $162,867,400 | 2,463 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2893% | 5,982 |
| Cost of funding earning assets | 0.2958% | 7,217 |
| Net interest margin | 3.9935% | 2,939 |
| Noninterest income to average assets | 0.3072% | 5,401 |
| Noninterest expense to average assets | 3.5663% | 1,783 |
| Loan and lease loss provision to assets | 0.3959% | 2,483 |
| Net operating income to assets | 0.1409% | 5,862 |
| Return on assets (ROA) | 0.1409% | 5,987 |
| Pretax return on assets | 0.1869% | 5,920 |
| Return on Equity (ROE) | 1.2640% | 6,010 |
| Retained earnings to average equity (ytd only) | 1.2640% | 5,505 |
| Net charge-offs to loans | 1.2870% | 1,203 |
| Credit loss provision to net charge-offs | 47.9233% | 5,077 |
| Earnings coverage of net charge-offs (x) | 0.7054% | 5,098 |
| Efficiency ratio | 85.9542% | 1,533 |
| Assets per employee ($millions) | 4.4633% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0961% | 802 |
| Loan loss allowance to noncurrent loans | 77.4768% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 3.3152% | 1,918 |
| Noncurrent loans to loans | 3.9962% | 1,657 |
| Net loans and leases to total assets | 61.5748% | 3,820 |
| Net loans and leases to deposits | 69.7239% | 4,341 |
| Net loans and leases to core deposits | 70.5968% | 4,875 |
| Total domestic deposits to total assets | 88.3124% | 1,866 |
| Equity capital to assets | 11.2069% | 2,957 |
| Core capital (leverage) ratio | 11.1892% | 2,240 |
| Tier 1 risk-based capital ratio | 16.1001% | 3,064 |
| Total risk-based capital ratio | 17.3683% | 3,019 |
| Memoranda: | ||
| Average total assets | $252,577,750 | 2,505 |
| Average earning assets | $242,986,750 | 2,376 |
| Average equity | $28,164,750 | 2,322 |
| Average total loans | $162,123,500 | 2,483 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2729% | 6,097 |
| Cost of funding earning assets | 0.3135% | 7,288 |
| Net interest margin | 3.9594% | 3,042 |
| Noninterest income to average assets | 0.3350% | 5,210 |
| Noninterest expense to average assets | 3.5822% | 1,780 |
| Loan and lease loss provision to assets | 0.4763% | 2,079 |
| Net operating income to assets | 0.0183% | 6,195 |
| Return on assets (ROA) | 0.0183% | 6,276 |
| Pretax return on assets | 0.0754% | 6,138 |
| Return on Equity (ROE) | 0.1640% | 6,276 |
| Retained earnings to average equity (ytd only) | 0.1640% | 5,775 |
| Net charge-offs to loans | 1.8462% | 739 |
| Credit loss provision to net charge-offs | 40.0534% | 4,813 |
| Earnings coverage of net charge-offs (x) | 0.4640% | 4,957 |
| Efficiency ratio | 86.6551% | 1,536 |
| Assets per employee ($millions) | 4.2616% | 3,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0797% | 830 |
| Loan loss allowance to noncurrent loans | 69.4805% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 4.4519% | 1,418 |
| Noncurrent loans to loans | 4.4325% | 1,507 |
| Net loans and leases to total assets | 62.6678% | 3,750 |
| Net loans and leases to deposits | 70.9467% | 4,299 |
| Net loans and leases to core deposits | 71.9609% | 4,825 |
| Total domestic deposits to total assets | 88.3308% | 1,948 |
| Equity capital to assets | 11.4074% | 2,595 |
| Core capital (leverage) ratio | 11.2728% | 2,063 |
| Tier 1 risk-based capital ratio | 16.2157% | 2,874 |
| Total risk-based capital ratio | 17.4844% | 2,837 |
| Memoranda: | ||
| Average total assets | $251,968,330 | 2,526 |
| Average earning assets | $241,755,330 | 2,410 |
| Average equity | $28,049,330 | 2,309 |
| Average total loans | $162,279,670 | 2,508 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1743% | 6,335 |
| Cost of funding earning assets | 0.3186% | 7,360 |
| Net interest margin | 3.8557% | 3,355 |
| Noninterest income to average assets | 0.3318% | 5,244 |
| Noninterest expense to average assets | 3.6200% | 1,724 |
| Loan and lease loss provision to assets | 0.4718% | 1,860 |
| Net operating income to assets | -0.0692% | 6,424 |
| Return on assets (ROA) | -0.0692% | 6,443 |
| Pretax return on assets | -0.0676% | 6,420 |
| Return on Equity (ROE) | -0.6291% | 6,442 |
| Retained earnings to average equity (ytd only) | -0.6291% | 5,914 |
| Net charge-offs to loans | 2.5540% | 439 |
| Credit loss provision to net charge-offs | 28.7356% | 4,138 |
| Earnings coverage of net charge-offs (x) | 0.2462% | 4,426 |
| Efficiency ratio | 89.9570% | 1,332 |
| Assets per employee ($millions) | 4.3687% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0951% | 839 |
| Loan loss allowance to noncurrent loans | 72.0102% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 4.3680% | 1,494 |
| Noncurrent loans to loans | 4.2981% | 1,654 |
| Net loans and leases to total assets | 62.7209% | 3,716 |
| Net loans and leases to deposits | 70.6467% | 4,247 |
| Net loans and leases to core deposits | 71.7917% | 4,816 |
| Total domestic deposits to total assets | 88.7811% | 1,910 |
| Equity capital to assets | 11.0349% | 2,653 |
| Core capital (leverage) ratio | 10.9096% | 2,256 |
| Tier 1 risk-based capital ratio | 15.8849% | 2,961 |
| Total risk-based capital ratio | 17.1558% | 2,923 |
| Memoranda: | ||
| Average total assets | $254,366,000 | 2,524 |
| Average earning assets | $243,586,000 | 2,411 |
| Average equity | $27,976,000 | 2,305 |
| Average total loans | $163,509,500 | 2,512 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7184% | 5,738 |
| Cost of funding earning assets | 0.4422% | 7,383 |
| Net interest margin | 4.2762% | 1,900 |
| Noninterest income to average assets | -0.0827% | 7,379 |
| Noninterest expense to average assets | 3.7870% | 1,512 |
| Loan and lease loss provision to assets | 2.3349% | 510 |
| Net operating income to assets | -2.1104% | 7,086 |
| Return on assets (ROA) | -2.1104% | 7,099 |
| Pretax return on assets | -2.1443% | 7,074 |
| Return on Equity (ROE) | -21.0170% | 7,057 |
| Retained earnings to average equity (ytd only) | -21.0170% | 7,029 |
| Net charge-offs to loans | 2.9788% | 558 |
| Credit loss provision to net charge-offs | 107.8811% | 4,107 |
| Earnings coverage of net charge-offs (x) | 0.0880% | 6,031 |
| Efficiency ratio | 95.2094% | 1,000 |
| Assets per employee ($millions) | 4.4025% | 3,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5702% | 567 |
| Loan loss allowance to noncurrent loans | 80.2095% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 5.3034% | 1,175 |
| Noncurrent loans to loans | 4.4511% | 1,595 |
| Net loans and leases to total assets | 61.5624% | 4,382 |
| Net loans and leases to deposits | 69.3112% | 4,909 |
| Net loans and leases to core deposits | 70.4742% | 5,402 |
| Total domestic deposits to total assets | 88.8203% | 1,759 |
| Equity capital to assets | 10.9620% | 2,721 |
| Core capital (leverage) ratio | 10.7770% | 2,323 |
| Tier 1 risk-based capital ratio | 16.2725% | 2,628 |
| Total risk-based capital ratio | 17.5486% | 2,573 |
| Memoranda: | ||
| Average total assets | $250,333,200 | 2,545 |
| Average earning assets | $237,687,400 | 2,449 |
| Average equity | $25,136,800 | 2,539 |
| Average total loans | $181,887,200 | 2,331 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8250% | 5,561 |
| Cost of funding earning assets | 0.4621% | 7,504 |
| Net interest margin | 4.3629% | 1,632 |
| Noninterest income to average assets | 0.1429% | 6,837 |
| Noninterest expense to average assets | 3.8177% | 1,347 |
| Loan and lease loss provision to assets | 2.3472% | 468 |
| Net operating income to assets | -1.8837% | 7,207 |
| Return on assets (ROA) | -1.8837% | 7,219 |
| Pretax return on assets | -1.8831% | 7,163 |
| Return on Equity (ROE) | -19.2107% | 7,204 |
| Retained earnings to average equity (ytd only) | -19.2107% | 7,185 |
| Net charge-offs to loans | 2.5572% | 652 |
| Credit loss provision to net charge-offs | 122.5203% | 3,357 |
| Earnings coverage of net charge-offs (x) | 0.2422% | 5,772 |
| Efficiency ratio | 89.1611% | 1,351 |
| Assets per employee ($millions) | 4.0990% | 3,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6033% | 499 |
| Loan loss allowance to noncurrent loans | 35.8593% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 8.7858% | 528 |
| Noncurrent loans to loans | 10.0483% | 418 |
| Net loans and leases to total assets | 66.3254% | 3,614 |
| Net loans and leases to deposits | 73.2250% | 4,649 |
| Net loans and leases to core deposits | 75.1237% | 5,166 |
| Total domestic deposits to total assets | 90.5775% | 604 |
| Equity capital to assets | 9.1789% | 5,339 |
| Core capital (leverage) ratio | 9.1801% | 4,403 |
| Tier 1 risk-based capital ratio | 13.0196% | 4,565 |
| Total risk-based capital ratio | 14.2982% | 4,521 |
| Memoranda: | ||
| Average total assets | $249,080,000 | 2,581 |
| Average earning assets | $236,291,000 | 2,504 |
| Average equity | $24,423,250 | 2,661 |
| Average total loans | $186,604,750 | 2,315 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9316% | 5,263 |
| Cost of funding earning assets | 0.4773% | 7,574 |
| Net interest margin | 4.4543% | 1,306 |
| Noninterest income to average assets | 0.3803% | 5,083 |
| Noninterest expense to average assets | 3.7611% | 1,434 |
| Loan and lease loss provision to assets | 2.8421% | 363 |
| Net operating income to assets | -2.0068% | 7,307 |
| Return on assets (ROA) | -2.0068% | 7,314 |
| Pretax return on assets | -2.0059% | 7,240 |
| Return on Equity (ROE) | -20.0369% | 7,278 |
| Retained earnings to average equity (ytd only) | -20.0369% | 7,257 |
| Net charge-offs to loans | 3.2508% | 471 |
| Credit loss provision to net charge-offs | 113.5925% | 3,585 |
| Earnings coverage of net charge-offs (x) | 0.3342% | 5,392 |
| Efficiency ratio | 81.8118% | 2,196 |
| Assets per employee ($millions) | 4.0796% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2011% | 703 |
| Loan loss allowance to noncurrent loans | 28.3943% | 6,471 |
| Noncurrent assets plus other real estate owned to assets | 10.1868% | 394 |
| Noncurrent loans to loans | 11.2738% | 342 |
| Net loans and leases to total assets | 71.8492% | 2,443 |
| Net loans and leases to deposits | 79.9970% | 3,598 |
| Net loans and leases to core deposits | 83.2065% | 4,248 |
| Total domestic deposits to total assets | 89.8149% | 1,011 |
| Equity capital to assets | 9.7644% | 4,321 |
| Core capital (leverage) ratio | 9.5858% | 3,691 |
| Tier 1 risk-based capital ratio | 12.9085% | 4,520 |
| Total risk-based capital ratio | 14.1824% | 4,465 |
| Memoranda: | ||
| Average total assets | $248,760,000 | 2,615 |
| Average earning assets | $235,502,330 | 2,536 |
| Average equity | $24,914,000 | 2,600 |
| Average total loans | $191,460,000 | 2,299 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0943% | 4,556 |
| Cost of funding earning assets | 0.5023% | 7,669 |
| Net interest margin | 4.5919% | 967 |
| Noninterest income to average assets | 0.4100% | 4,817 |
| Noninterest expense to average assets | 3.8333% | 1,272 |
| Loan and lease loss provision to assets | 4.0040% | 215 |
| Net operating income to assets | -3.0819% | 7,649 |
| Return on assets (ROA) | -3.0819% | 7,643 |
| Pretax return on assets | -3.0819% | 7,606 |
| Return on Equity (ROE) | -30.4007% | 7,579 |
| Retained earnings to average equity (ytd only) | -30.4007% | 7,553 |
| Net charge-offs to loans | 5.1032% | 236 |
| Credit loss provision to net charge-offs | 100.1996% | 3,380 |
| Earnings coverage of net charge-offs (x) | 0.2307% | 4,836 |
| Efficiency ratio | 80.6105% | 2,472 |
| Assets per employee ($millions) | 4.1014% | 3,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8464% | 939 |
| Loan loss allowance to noncurrent loans | 30.2680% | 6,376 |
| Noncurrent assets plus other real estate owned to assets | 8.8942% | 508 |
| Noncurrent loans to loans | 9.4039% | 483 |
| Net loans and leases to total assets | 72.4557% | 2,340 |
| Net loans and leases to deposits | 80.7018% | 3,513 |
| Net loans and leases to core deposits | 84.1195% | 4,183 |
| Total domestic deposits to total assets | 89.7821% | 1,094 |
| Equity capital to assets | 9.6139% | 4,359 |
| Core capital (leverage) ratio | 9.6513% | 3,580 |
| Tier 1 risk-based capital ratio | 12.6387% | 4,610 |
| Total risk-based capital ratio | 13.9080% | 4,562 |
| Memoranda: | ||
| Average total assets | $250,751,000 | 2,645 |
| Average earning assets | $237,286,500 | 2,561 |
| Average equity | $25,420,500 | 2,574 |
| Average total loans | $196,346,500 | 2,314 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8556% | 2,420 |
| Cost of funding earning assets | 0.8457% | 7,492 |
| Net interest margin | 5.0099% | 441 |
| Noninterest income to average assets | 0.2347% | 6,429 |
| Noninterest expense to average assets | 3.6498% | 2,031 |
| Loan and lease loss provision to assets | 2.8190% | 648 |
| Net operating income to assets | -1.7405% | 6,983 |
| Return on assets (ROA) | -1.7405% | 6,989 |
| Pretax return on assets | -1.4808% | 6,691 |
| Return on Equity (ROE) | -15.3839% | 6,956 |
| Retained earnings to average equity (ytd only) | -15.3839% | 6,904 |
| Net charge-offs to loans | 3.8559% | 442 |
| Credit loss provision to net charge-offs | 83.6177% | 6,205 |
| Earnings coverage of net charge-offs (x) | 0.3969% | 5,719 |
| Efficiency ratio | 73.1719% | 4,059 |
| Assets per employee ($millions) | 3.9240% | 3,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6560% | 1,063 |
| Loan loss allowance to noncurrent loans | 29.3130% | 6,519 |
| Noncurrent assets plus other real estate owned to assets | 7.6845% | 615 |
| Noncurrent loans to loans | 9.0609% | 494 |
| Net loans and leases to total assets | 79.9533% | 1,000 |
| Net loans and leases to deposits | 89.7538% | 2,250 |
| Net loans and leases to core deposits | 99.8343% | 4,017 |
| Total domestic deposits to total assets | 89.0807% | 1,446 |
| Equity capital to assets | 10.6766% | 2,990 |
| Core capital (leverage) ratio | 10.0555% | 3,031 |
| Tier 1 risk-based capital ratio | 12.8599% | 4,237 |
| Total risk-based capital ratio | 14.1273% | 4,180 |
| Memoranda: | ||
| Average total assets | $260,729,400 | 2,510 |
| Average earning assets | $247,369,400 | 2,430 |
| Average equity | $29,498,400 | 2,268 |
| Average total loans | $227,961,400 | 2,039 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9877% | 2,091 |
| Cost of funding earning assets | 0.9039% | 7,555 |
| Net interest margin | 5.0838% | 381 |
| Noninterest income to average assets | 0.3357% | 5,800 |
| Noninterest expense to average assets | 3.4833% | 2,320 |
| Loan and lease loss provision to assets | 2.0446% | 875 |
| Net operating income to assets | -0.1459% | 5,979 |
| Return on assets (ROA) | -0.1459% | 5,995 |
| Pretax return on assets | -0.3766% | 6,171 |
| Return on Equity (ROE) | -1.2728% | 5,980 |
| Retained earnings to average equity (ytd only) | -1.2728% | 5,550 |
| Net charge-offs to loans | 2.7988% | 631 |
| Credit loss provision to net charge-offs | 82.3841% | 5,694 |
| Earnings coverage of net charge-offs (x) | 0.6721% | 5,359 |
| Efficiency ratio | 67.6205% | 5,056 |
| Assets per employee ($millions) | 4.0931% | 3,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7251% | 859 |
| Loan loss allowance to noncurrent loans | 47.6103% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 5.1393% | 1,132 |
| Noncurrent loans to loans | 5.7237% | 1,072 |
| Net loans and leases to total assets | 80.0598% | 1,159 |
| Net loans and leases to deposits | 94.3162% | 1,828 |
| Net loans and leases to core deposits | 105.5851% | 3,747 |
| Total domestic deposits to total assets | 84.8844% | 3,293 |
| Equity capital to assets | 11.5193% | 2,565 |
| Core capital (leverage) ratio | 10.4806% | 2,808 |
| Tier 1 risk-based capital ratio | 12.5959% | 4,473 |
| Total risk-based capital ratio | 13.8639% | 4,411 |
| Memoranda: | ||
| Average total assets | $264,108,500 | 2,490 |
| Average earning assets | $250,174,500 | 2,424 |
| Average equity | $30,274,500 | 2,237 |
| Average total loans | $234,189,750 | 2,025 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0692% | 1,902 |
| Cost of funding earning assets | 0.9484% | 7,626 |
| Net interest margin | 5.1208% | 345 |
| Noninterest income to average assets | 0.3446% | 5,748 |
| Noninterest expense to average assets | 3.5125% | 2,299 |
| Loan and lease loss provision to assets | 1.5562% | 1,093 |
| Net operating income to assets | 0.1480% | 5,421 |
| Return on assets (ROA) | 0.1480% | 5,517 |
| Pretax return on assets | 0.1207% | 5,627 |
| Return on Equity (ROE) | 1.2935% | 5,536 |
| Retained earnings to average equity (ytd only) | 1.2935% | 4,618 |
| Net charge-offs to loans | 1.7562% | 1,082 |
| Credit loss provision to net charge-offs | 97.5726% | 4,688 |
| Earnings coverage of net charge-offs (x) | 1.0514% | 4,736 |
| Efficiency ratio | 67.6858% | 5,213 |
| Assets per employee ($millions) | 4.2368% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8302% | 660 |
| Loan loss allowance to noncurrent loans | 43.8936% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 6.3426% | 735 |
| Noncurrent loans to loans | 6.4478% | 824 |
| Net loans and leases to total assets | 88.6430% | 207 |
| Net loans and leases to deposits | 106.9144% | 712 |
| Net loans and leases to core deposits | 120.0306% | 2,369 |
| Total domestic deposits to total assets | 82.9103% | 4,288 |
| Equity capital to assets | 11.4662% | 2,558 |
| Core capital (leverage) ratio | 10.8003% | 2,565 |
| Tier 1 risk-based capital ratio | 11.8181% | 5,087 |
| Total risk-based capital ratio | 13.0877% | 4,978 |
| Memoranda: | ||
| Average total assets | $263,461,330 | 2,503 |
| Average earning assets | $249,257,330 | 2,446 |
| Average equity | $30,150,330 | 2,251 |
| Average total loans | $239,264,330 | 2,009 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1459% | 1,780 |
| Cost of funding earning assets | 0.9992% | 7,673 |
| Net interest margin | 5.1467% | 307 |
| Noninterest income to average assets | 0.3396% | 5,738 |
| Noninterest expense to average assets | 3.3959% | 2,371 |
| Loan and lease loss provision to assets | 0.7580% | 1,698 |
| Net operating income to assets | 0.6868% | 3,621 |
| Return on assets (ROA) | 0.6868% | 3,803 |
| Pretax return on assets | 1.0506% | 3,174 |
| Return on Equity (ROE) | 6.0069% | 4,038 |
| Retained earnings to average equity (ytd only) | 6.0069% | 2,623 |
| Net charge-offs to loans | 0.7127% | 1,760 |
| Credit loss provision to net charge-offs | 117.3709% | 3,327 |
| Earnings coverage of net charge-offs (x) | 2.8005% | 3,377 |
| Efficiency ratio | 65.2491% | 5,462 |
| Assets per employee ($millions) | 4.1599% | 3,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9026% | 524 |
| Loan loss allowance to noncurrent loans | 41.6511% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 6.6306% | 544 |
| Noncurrent loans to loans | 6.9688% | 579 |
| Net loans and leases to total assets | 86.7857% | 356 |
| Net loans and leases to deposits | 102.9185% | 1,100 |
| Net loans and leases to core deposits | 115.5507% | 2,843 |
| Total domestic deposits to total assets | 84.3248% | 3,542 |
| Equity capital to assets | 11.4125% | 2,649 |
| Core capital (leverage) ratio | 11.4184% | 2,196 |
| Tier 1 risk-based capital ratio | 12.6342% | 4,444 |
| Total risk-based capital ratio | 13.9022% | 4,353 |
| Memoranda: | ||
| Average total assets | $263,850,000 | 2,516 |
| Average earning assets | $249,403,500 | 2,454 |
| Average equity | $30,165,500 | 2,258 |
| Average total loans | $239,080,000 | 2,032 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9779% | 1,195 |
| Cost of funding earning assets | 1.6134% | 7,419 |
| Net interest margin | 5.3645% | 254 |
| Noninterest income to average assets | 0.1462% | 7,370 |
| Noninterest expense to average assets | 3.6323% | 2,073 |
| Loan and lease loss provision to assets | 2.8437% | 331 |
| Net operating income to assets | -0.6522% | 7,041 |
| Return on assets (ROA) | -0.6522% | 6,932 |
| Pretax return on assets | -1.2128% | 7,123 |
| Return on Equity (ROE) | -5.7433% | 6,939 |
| Retained earnings to average equity (ytd only) | -5.7433% | 6,631 |
| Net charge-offs to loans | 1.6888% | 657 |
| Credit loss provision to net charge-offs | 186.9503% | 2,657 |
| Earnings coverage of net charge-offs (x) | 1.0722% | 5,594 |
| Efficiency ratio | 69.0129% | 4,531 |
| Assets per employee ($millions) | 3.7352% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8447% | 495 |
| Loan loss allowance to noncurrent loans | 59.0937% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 4.8316% | 743 |
| Noncurrent loans to loans | 4.8139% | 942 |
| Net loans and leases to total assets | 89.2532% | 254 |
| Net loans and leases to deposits | 106.2034% | 1,105 |
| Net loans and leases to core deposits | 119.2815% | 2,762 |
| Total domestic deposits to total assets | 84.0399% | 3,305 |
| Equity capital to assets | 11.4535% | 2,666 |
| Core capital (leverage) ratio | 10.8386% | 2,716 |
| Tier 1 risk-based capital ratio | 12.3558% | 4,547 |
| Total risk-based capital ratio | 13.6259% | 4,426 |
| Memoranda: | ||
| Average total assets | $275,059,600 | 2,346 |
| Average earning assets | $262,371,200 | 2,273 |
| Average equity | $31,236,400 | 2,158 |
| Average total loans | $247,749,400 | 1,918 |