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BC National Banks, Performance and Condition Ratios
| 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 | 4.8757% | 5,582 |
| Cost of funding earning assets | 3.2246% | 30 |
| Net interest margin | 1.6512% | 7,805 |
| Noninterest income to average assets | 0.9651% | 1,406 |
| Noninterest expense to average assets | 6.3335% | 185 |
| Loan and lease loss provision to assets | 0.4021% | 2,958 |
| Net operating income to assets | -4.6043% | 7,759 |
| Return on assets (ROA) | -4.6043% | 7,764 |
| Pretax return on assets | -4.4904% | 7,720 |
| Return on Equity (ROE) | -243.6170% | 7,895 |
| Retained earnings to average equity (ytd only) | -243.6170% | 7,895 |
| Net charge-offs to loans | 3.3566% | 433 |
| Credit loss provision to net charge-offs | 20.0669% | 4,946 |
| Earnings coverage of net charge-offs (x) | -2.0401% | 5,473 |
| Efficiency ratio | 282.0896% | 47 |
| Assets per employee ($millions) | 1.9335% | 7,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6844% | 120 |
| Loan loss allowance to noncurrent loans | 60.3862% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 12.8515% | 216 |
| Noncurrent loans to loans | 9.4134% | 479 |
| Net loans and leases to total assets | 57.6546% | 5,502 |
| Net loans and leases to deposits | 68.9767% | 5,473 |
| Net loans and leases to core deposits | 80.1033% | 4,753 |
| Total domestic deposits to total assets | 83.5855% | 4,348 |
| Equity capital to assets | 1.5593% | 7,895 |
| Core capital (leverage) ratio | 1.2920% | 7,902 |
| Tier 1 risk-based capital ratio | 2.2295% | 7,894 |
| Total risk-based capital ratio | 3.5305% | 7,894 |
| Memoranda: | ||
| Average total assets | $59,683,000 | 6,397 |
| Average earning assets | $46,270,000 | 6,692 |
| Average equity | $1,128,000 | 7,876 |
| Average total loans | $35,631,500 | 6,331 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4189% | 4,598 |
| Cost of funding earning assets | 3.4029% | 64 |
| Net interest margin | 2.0160% | 7,734 |
| Noninterest income to average assets | 0.4795% | 4,572 |
| Noninterest expense to average assets | 8.3687% | 125 |
| Loan and lease loss provision to assets | 3.2048% | 511 |
| Net operating income to assets | -9.2663% | 7,964 |
| Return on assets (ROA) | -9.1904% | 7,964 |
| Pretax return on assets | -9.4289% | 7,960 |
| Return on Equity (ROE) | -140.4530% | 7,985 |
| Retained earnings to average equity (ytd only) | -140.4530% | 7,984 |
| Net charge-offs to loans | 3.2549% | 621 |
| Credit loss provision to net charge-offs | 157.3034% | 2,858 |
| Earnings coverage of net charge-offs (x) | -3.0934% | 7,057 |
| Efficiency ratio | 279.2420% | 70 |
| Assets per employee ($millions) | 1.9754% | 7,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2171% | 154 |
| Loan loss allowance to noncurrent loans | 66.3114% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 10.1158% | 364 |
| Noncurrent loans to loans | 7.8677% | 654 |
| Net loans and leases to total assets | 55.5344% | 6,019 |
| Net loans and leases to deposits | 67.9059% | 5,843 |
| Net loans and leases to core deposits | 86.0809% | 5,513 |
| Total domestic deposits to total assets | 81.7814% | 5,043 |
| Equity capital to assets | 2.1470% | 7,956 |
| Core capital (leverage) ratio | 1.8414% | 7,955 |
| Tier 1 risk-based capital ratio | 3.4827% | 7,928 |
| Total risk-based capital ratio | 4.7781% | 7,930 |
| Memoranda: | ||
| Average total assets | $83,000,000 | 5,633 |
| Average earning assets | $65,326,600 | 5,950 |
| Average equity | $5,431,000 | 6,791 |
| Average total loans | $51,951,800 | 5,589 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4546% | 4,662 |
| Cost of funding earning assets | 3.3251% | 122 |
| Net interest margin | 2.1295% | 7,747 |
| Noninterest income to average assets | 0.5290% | 4,246 |
| Noninterest expense to average assets | 8.6521% | 130 |
| Loan and lease loss provision to assets | 2.3919% | 706 |
| Net operating income to assets | -8.4988% | 8,020 |
| Return on assets (ROA) | -8.4988% | 8,020 |
| Pretax return on assets | -8.8299% | 8,020 |
| Return on Equity (ROE) | -114.9688% | 8,035 |
| Retained earnings to average equity (ytd only) | -114.9688% | 8,034 |
| Net charge-offs to loans | 1.1614% | 1,744 |
| Credit loss provision to net charge-offs | 325.0000% | 1,265 |
| Earnings coverage of net charge-offs (x) | -8.7480% | 6,898 |
| Efficiency ratio | 241.4127% | 92 |
| Assets per employee ($millions) | 1.7776% | 7,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4801% | 213 |
| Loan loss allowance to noncurrent loans | 52.0818% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 9.1032% | 421 |
| Noncurrent loans to loans | 8.6020% | 535 |
| Net loans and leases to total assets | 57.6781% | 5,933 |
| Net loans and leases to deposits | 75.0301% | 5,204 |
| Net loans and leases to core deposits | 94.0250% | 5,015 |
| Total domestic deposits to total assets | 76.8733% | 6,369 |
| Equity capital to assets | 4.5141% | 7,978 |
| Core capital (leverage) ratio | 4.2850% | 7,962 |
| Tier 1 risk-based capital ratio | 6.7645% | 7,921 |
| Total risk-based capital ratio | 8.0153% | 7,923 |
| Memoranda: | ||
| Average total assets | $86,959,500 | 5,517 |
| Average earning assets | $68,808,500 | 5,890 |
| Average equity | $6,428,250 | 6,512 |
| Average total loans | $55,102,000 | 5,508 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6106% | 4,019 |
| Cost of funding earning assets | 3.2481% | 238 |
| Net interest margin | 2.3625% | 7,613 |
| Noninterest income to average assets | 0.4727% | 4,692 |
| Noninterest expense to average assets | 9.8498% | 117 |
| Loan and lease loss provision to assets | 2.9905% | 505 |
| Net operating income to assets | -10.0357% | 8,124 |
| Return on assets (ROA) | -10.0357% | 8,121 |
| Pretax return on assets | -10.4972% | 8,111 |
| Return on Equity (ROE) | -121.6180% | 8,101 |
| Retained earnings to average equity (ytd only) | -121.6180% | 8,100 |
| Net charge-offs to loans | 1.2376% | 1,492 |
| Credit loss provision to net charge-offs | 376.0563% | 1,235 |
| Earnings coverage of net charge-offs (x) | -9.4394% | 6,521 |
| Efficiency ratio | 214.1491% | 170 |
| Assets per employee ($millions) | 1.7841% | 7,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8512% | 295 |
| Loan loss allowance to noncurrent loans | 136.5079% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 5.9099% | 822 |
| Noncurrent loans to loans | 2.8213% | 2,551 |
| Net loans and leases to total assets | 60.1721% | 5,651 |
| Net loans and leases to deposits | 79.1026% | 4,686 |
| Net loans and leases to core deposits | 98.2759% | 4,673 |
| Total domestic deposits to total assets | 76.0685% | 6,531 |
| Equity capital to assets | 5.4510% | 8,010 |
| Core capital (leverage) ratio | 5.1612% | 8,011 |
| Tier 1 risk-based capital ratio | 7.7294% | 7,938 |
| Total risk-based capital ratio | 9.0064% | 7,952 |
| Memoranda: | ||
| Average total assets | $89,281,330 | 5,485 |
| Average earning assets | $70,687,330 | 5,862 |
| Average equity | $7,367,330 | 6,239 |
| Average total loans | $57,368,330 | 5,452 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7050% | 3,783 |
| Cost of funding earning assets | 3.2297% | 315 |
| Net interest margin | 2.4753% | 7,531 |
| Noninterest income to average assets | 0.6674% | 3,093 |
| Noninterest expense to average assets | 4.5882% | 656 |
| Loan and lease loss provision to assets | 2.5158% | 461 |
| Net operating income to assets | -3.8066% | 7,965 |
| Return on assets (ROA) | -3.8066% | 7,958 |
| Pretax return on assets | -4.4916% | 7,953 |
| Return on Equity (ROE) | -39.7843% | 7,985 |
| Retained earnings to average equity (ytd only) | -39.7843% | 7,963 |
| Net charge-offs to loans | 0.3240% | 2,795 |
| Credit loss provision to net charge-offs | 1,193.7500% | 538 |
| Earnings coverage of net charge-offs (x) | -9.3750% | 5,613 |
| Efficiency ratio | 175.6303% | 259 |
| Assets per employee ($millions) | 1.8307% | 8,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7891% | 588 |
| Loan loss allowance to noncurrent loans | 80.7731% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 5.8928% | 691 |
| Noncurrent loans to loans | 3.4530% | 1,851 |
| Net loans and leases to total assets | 62.5174% | 5,232 |
| Net loans and leases to deposits | 85.6118% | 3,702 |
| Net loans and leases to core deposits | 103.8595% | 4,154 |
| Total domestic deposits to total assets | 73.0243% | 7,048 |
| Equity capital to assets | 9.2182% | 5,066 |
| Core capital (leverage) ratio | 6.8887% | 7,703 |
| Tier 1 risk-based capital ratio | 9.6162% | 7,325 |
| Total risk-based capital ratio | 10.8827% | 7,240 |
| Memoranda: | ||
| Average total assets | $91,104,000 | 5,449 |
| Average earning assets | $71,586,000 | 5,859 |
| Average equity | $8,717,000 | 5,803 |
| Average total loans | $59,256,000 | 5,392 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3828% | 3,510 |
| Cost of funding earning assets | 3.3936% | 723 |
| Net interest margin | 2.9892% | 6,941 |
| Noninterest income to average assets | 1.7525% | 443 |
| Noninterest expense to average assets | 4.7769% | 725 |
| Loan and lease loss provision to assets | 2.1304% | 541 |
| Net operating income to assets | -1.6895% | 7,528 |
| Return on assets (ROA) | -1.6882% | 7,480 |
| Pretax return on assets | -2.6589% | 7,631 |
| Return on Equity (ROE) | -15.4857% | 7,607 |
| Retained earnings to average equity (ytd only) | -18.8190% | 7,649 |
| Net charge-offs to loans | 2.5555% | 369 |
| Credit loss provision to net charge-offs | 121.9976% | 4,404 |
| Earnings coverage of net charge-offs (x) | -0.3038% | 6,416 |
| Efficiency ratio | 112.4939% | 662 |
| Assets per employee ($millions) | 1.8879% | 7,995 |
| Cash dividends to net income (ytd only)* | -21.5252% | 7,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7822% | 1,671 |
| Loan loss allowance to noncurrent loans | 44.1368% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 6.3132% | 451 |
| Noncurrent loans to loans | 4.0379% | 1,216 |
| Net loans and leases to total assets | 64.5792% | 5,155 |
| Net loans and leases to deposits | 88.6572% | 3,694 |
| Net loans and leases to core deposits | 107.6999% | 3,999 |
| Total domestic deposits to total assets | 72.8415% | 6,858 |
| Equity capital to assets | 9.9076% | 4,152 |
| Core capital (leverage) ratio | 7.4580% | 7,251 |
| Tier 1 risk-based capital ratio | 10.3542% | 6,361 |
| Total risk-based capital ratio | 11.6082% | 6,229 |
| Memoranda: | ||
| Average total assets | $96,318,400 | 5,161 |
| Average earning assets | $80,356,400 | 5,421 |
| Average equity | $10,500,000 | 5,263 |
| Average total loans | $65,819,600 | 5,030 |