Home > California Community Bank > Performance and Condition Ratios
California Community Bank, Performance and Condition Ratios
| 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 | 4.3581% | 4,218 |
| Cost of funding earning assets | 0.6065% | 4,581 |
| Net interest margin | 3.7516% | 3,544 |
| Noninterest income to average assets | 0.1552% | 6,373 |
| Noninterest expense to average assets | 2.6446% | 4,591 |
| Loan and lease loss provision to assets | 1.0475% | 375 |
| Net operating income to assets | -0.0230% | 6,314 |
| Return on assets (ROA) | -0.0230% | 6,432 |
| Pretax return on assets | 0.0658% | 6,316 |
| Return on Equity (ROE) | -0.2153% | 6,431 |
| Retained earnings to average equity (ytd only) | -0.2153% | 6,122 |
| Net charge-offs to loans | 0.2827% | 3,032 |
| Credit loss provision to net charge-offs | 530.5556% | 507 |
| Earnings coverage of net charge-offs (x) | 5.6389% | 2,968 |
| Efficiency ratio | 70.3736% | 3,616 |
| Assets per employee ($millions) | 6.2103% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7514% | 934 |
| Loan loss allowance to noncurrent loans | 113.3720% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 1.8285% | 2,887 |
| Noncurrent loans to loans | 2.4269% | 2,367 |
| Net loans and leases to total assets | 73.2686% | 1,354 |
| Net loans and leases to deposits | 82.6271% | 2,038 |
| Net loans and leases to core deposits | 87.9245% | 2,227 |
| Total domestic deposits to total assets | 88.6738% | 1,609 |
| Equity capital to assets | 11.0046% | 3,276 |
| Core capital (leverage) ratio | 10.3667% | 3,081 |
| Tier 1 risk-based capital ratio | 13.4317% | 4,922 |
| Total risk-based capital ratio | 14.6990% | 4,875 |
| Memoranda: | ||
| Average total assets | $243,104,500 | 2,620 |
| Average earning assets | $233,461,000 | 2,494 |
| Average equity | $26,005,750 | 2,591 |
| Average total loans | $169,767,000 | 2,341 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3014% | 4,568 |
| Cost of funding earning assets | 0.6209% | 4,710 |
| Net interest margin | 3.6805% | 3,925 |
| Noninterest income to average assets | 0.1581% | 6,399 |
| Noninterest expense to average assets | 2.7359% | 4,261 |
| Loan and lease loss provision to assets | 0.2689% | 2,438 |
| Net operating income to assets | 0.3267% | 5,514 |
| Return on assets (ROA) | 0.3267% | 5,726 |
| Pretax return on assets | 0.6933% | 4,845 |
| Return on Equity (ROE) | 3.0825% | 5,664 |
| Retained earnings to average equity (ytd only) | 3.0825% | 4,590 |
| Net charge-offs to loans | 0.3974% | 2,432 |
| Credit loss provision to net charge-offs | 99.3976% | 2,795 |
| Earnings coverage of net charge-offs (x) | 3.5572% | 3,338 |
| Efficiency ratio | 73.9811% | 3,079 |
| Assets per employee ($millions) | 6.4627% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9348% | 2,431 |
| Loan loss allowance to noncurrent loans | 103.9527% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 1.4036% | 3,618 |
| Noncurrent loans to loans | 1.8612% | 3,136 |
| Net loans and leases to total assets | 68.9338% | 2,112 |
| Net loans and leases to deposits | 77.4945% | 2,752 |
| Net loans and leases to core deposits | 82.4850% | 2,902 |
| Total domestic deposits to total assets | 88.9532% | 1,537 |
| Equity capital to assets | 10.7231% | 3,429 |
| Core capital (leverage) ratio | 10.5179% | 2,785 |
| Tier 1 risk-based capital ratio | 14.0404% | 4,424 |
| Total risk-based capital ratio | 15.2975% | 4,381 |
| Memoranda: | ||
| Average total assets | $245,475,330 | 2,596 |
| Average earning assets | $236,109,000 | 2,466 |
| Average equity | $26,017,670 | 2,567 |
| Average total loans | $167,089,330 | 2,381 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2581% | 4,897 |
| Cost of funding earning assets | 0.6537% | 4,696 |
| Net interest margin | 3.6044% | 4,252 |
| Noninterest income to average assets | 0.1679% | 6,379 |
| Noninterest expense to average assets | 2.9223% | 3,529 |
| Loan and lease loss provision to assets | 0.2559% | 2,409 |
| Net operating income to assets | 0.1418% | 6,139 |
| Return on assets (ROA) | 0.1418% | 6,267 |
| Pretax return on assets | 0.4678% | 5,530 |
| Return on Equity (ROE) | 1.3457% | 6,276 |
| Retained earnings to average equity (ytd only) | 1.3457% | 5,564 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1520% | 2,180 |
| Assets per employee ($millions) | 6.3351% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0710% | 2,168 |
| Loan loss allowance to noncurrent loans | 85.7808% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.6510% | 3,376 |
| Noncurrent loans to loans | 2.4143% | 2,690 |
| Net loans and leases to total assets | 66.9663% | 2,292 |
| Net loans and leases to deposits | 75.1311% | 2,952 |
| Net loans and leases to core deposits | 79.9506% | 3,076 |
| Total domestic deposits to total assets | 89.1326% | 1,618 |
| Equity capital to assets | 10.4902% | 3,502 |
| Core capital (leverage) ratio | 10.2150% | 3,087 |
| Tier 1 risk-based capital ratio | 14.0228% | 4,461 |
| Total risk-based capital ratio | 15.2818% | 4,416 |
| Memoranda: | ||
| Average total assets | $245,422,000 | 2,608 |
| Average earning assets | $236,822,000 | 2,477 |
| Average equity | $25,859,500 | 2,581 |
| Average total loans | $164,319,500 | 2,423 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2815% | 5,816 |
| Cost of funding earning assets | 0.7495% | 5,214 |
| Net interest margin | 3.5320% | 5,013 |
| Noninterest income to average assets | 0.1828% | 6,188 |
| Noninterest expense to average assets | 2.7204% | 4,665 |
| Loan and lease loss provision to assets | 0.2052% | 4,132 |
| Net operating income to assets | 0.3655% | 5,009 |
| Return on assets (ROA) | 0.3655% | 5,176 |
| Pretax return on assets | 0.6507% | 4,507 |
| Return on Equity (ROE) | 3.4254% | 5,111 |
| Retained earnings to average equity (ytd only) | 3.4254% | 3,789 |
| Net charge-offs to loans | 0.0824% | 5,500 |
| Credit loss provision to net charge-offs | 381.8898% | 610 |
| Earnings coverage of net charge-offs (x) | 15.9291% | 1,364 |
| Efficiency ratio | 76.0677% | 2,881 |
| Assets per employee ($millions) | 6.0944% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0928% | 2,023 |
| Loan loss allowance to noncurrent loans | 81.5321% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.6815% | 3,427 |
| Noncurrent loans to loans | 2.5669% | 2,558 |
| Net loans and leases to total assets | 64.1350% | 3,166 |
| Net loans and leases to deposits | 72.0059% | 3,792 |
| Net loans and leases to core deposits | 76.5350% | 3,901 |
| Total domestic deposits to total assets | 89.0690% | 1,492 |
| Equity capital to assets | 10.5839% | 3,437 |
| Core capital (leverage) ratio | 10.2189% | 3,067 |
| Tier 1 risk-based capital ratio | 14.8298% | 3,740 |
| Total risk-based capital ratio | 16.0886% | 3,709 |
| Memoranda: | ||
| Average total assets | $236,358,400 | 2,671 |
| Average earning assets | $227,092,000 | 2,539 |
| Average equity | $25,223,000 | 2,553 |
| Average total loans | $154,184,400 | 2,579 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3022% | 5,943 |
| Cost of funding earning assets | 0.7588% | 5,410 |
| Net interest margin | 3.5434% | 5,010 |
| Noninterest income to average assets | 0.1819% | 6,292 |
| Noninterest expense to average assets | 2.8127% | 4,294 |
| Loan and lease loss provision to assets | 0.0824% | 5,410 |
| Net operating income to assets | 0.3912% | 5,038 |
| Return on assets (ROA) | 0.3912% | 5,222 |
| Pretax return on assets | 0.6880% | 4,524 |
| Return on Equity (ROE) | 3.6578% | 5,147 |
| Retained earnings to average equity (ytd only) | 3.6578% | 4,149 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4989% | 2,482 |
| Assets per employee ($millions) | 5.8922% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0386% | 2,233 |
| Loan loss allowance to noncurrent loans | 76.8041% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.6864% | 3,555 |
| Noncurrent loans to loans | 2.6543% | 2,623 |
| Net loans and leases to total assets | 62.2379% | 3,659 |
| Net loans and leases to deposits | 69.9378% | 4,312 |
| Net loans and leases to core deposits | 73.6644% | 4,507 |
| Total domestic deposits to total assets | 88.9904% | 1,435 |
| Equity capital to assets | 10.6606% | 3,502 |
| Core capital (leverage) ratio | 10.7088% | 2,654 |
| Tier 1 risk-based capital ratio | 15.2330% | 3,528 |
| Total risk-based capital ratio | 16.4915% | 3,486 |
| Memoranda: | ||
| Average total assets | $234,504,250 | 2,694 |
| Average earning assets | $225,088,000 | 2,564 |
| Average equity | $25,078,500 | 2,566 |
| Average total loans | $152,808,750 | 2,623 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3242% | 5,941 |
| Cost of funding earning assets | 0.7668% | 5,583 |
| Net interest margin | 3.5574% | 4,894 |
| Noninterest income to average assets | 0.1758% | 6,401 |
| Noninterest expense to average assets | 2.9507% | 3,830 |
| Loan and lease loss provision to assets | 0.0560% | 5,617 |
| Net operating income to assets | 0.3282% | 5,259 |
| Return on assets (ROA) | 0.3282% | 5,392 |
| Pretax return on assets | 0.5824% | 4,801 |
| Return on Equity (ROE) | 3.0660% | 5,366 |
| Retained earnings to average equity (ytd only) | 3.0660% | 4,324 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2132% | 2,070 |
| Assets per employee ($millions) | 6.0437% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9779% | 2,432 |
| Loan loss allowance to noncurrent loans | 40.9372% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 3.1599% | 2,125 |
| Noncurrent loans to loans | 4.8314% | 1,366 |
| Net loans and leases to total assets | 64.1089% | 3,441 |
| Net loans and leases to deposits | 72.0612% | 4,102 |
| Net loans and leases to core deposits | 75.0053% | 4,438 |
| Total domestic deposits to total assets | 88.9646% | 1,552 |
| Equity capital to assets | 10.6918% | 3,299 |
| Core capital (leverage) ratio | 10.3245% | 2,907 |
| Tier 1 risk-based capital ratio | 14.7644% | 3,637 |
| Total risk-based capital ratio | 16.0218% | 3,600 |
| Memoranda: | ||
| Average total assets | $232,145,330 | 2,731 |
| Average earning assets | $222,745,330 | 2,616 |
| Average equity | $24,853,330 | 2,575 |
| Average total loans | $152,583,670 | 2,649 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4493% | 5,511 |
| Cost of funding earning assets | 0.7701% | 5,751 |
| Net interest margin | 3.6792% | 4,207 |
| Noninterest income to average assets | 0.1667% | 6,536 |
| Noninterest expense to average assets | 3.1341% | 3,127 |
| Loan and lease loss provision to assets | 0.0521% | 5,348 |
| Net operating income to assets | 0.2934% | 5,446 |
| Return on assets (ROA) | 0.2934% | 5,518 |
| Pretax return on assets | 0.5226% | 4,950 |
| Return on Equity (ROE) | 2.7391% | 5,501 |
| Retained earnings to average equity (ytd only) | 2.7391% | 4,529 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5037% | 1,900 |
| Assets per employee ($millions) | 5.9642% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9519% | 2,538 |
| Loan loss allowance to noncurrent loans | 59.3541% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 2.1286% | 3,149 |
| Noncurrent loans to loans | 3.2885% | 2,289 |
| Net loans and leases to total assets | 63.4634% | 3,552 |
| Net loans and leases to deposits | 72.1501% | 4,056 |
| Net loans and leases to core deposits | 75.4599% | 4,366 |
| Total domestic deposits to total assets | 87.9601% | 2,393 |
| Equity capital to assets | 10.3799% | 3,307 |
| Core capital (leverage) ratio | 10.4977% | 2,613 |
| Tier 1 risk-based capital ratio | 14.6307% | 3,655 |
| Total risk-based capital ratio | 15.8883% | 3,608 |
| Memoranda: | ||
| Average total assets | $230,365,500 | 2,769 |
| Average earning assets | $221,787,000 | 2,641 |
| Average equity | $24,679,500 | 2,580 |
| Average total loans | $151,797,000 | 2,691 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7707% | 5,526 |
| Cost of funding earning assets | 0.9767% | 5,801 |
| Net interest margin | 3.7941% | 3,979 |
| Noninterest income to average assets | 0.1592% | 6,583 |
| Noninterest expense to average assets | 2.9127% | 4,171 |
| Loan and lease loss provision to assets | 0.1010% | 6,140 |
| Net operating income to assets | 0.7427% | 3,033 |
| Return on assets (ROA) | 0.7427% | 3,155 |
| Pretax return on assets | 0.7427% | 3,824 |
| Return on Equity (ROE) | 6.9893% | 3,131 |
| Retained earnings to average equity (ytd only) | 6.9893% | 1,329 |
| Net charge-offs to loans | 0.0523% | 6,269 |
| Credit loss provision to net charge-offs | 273.4940% | 1,000 |
| Earnings coverage of net charge-offs (x) | 22.8554% | 924 |
| Efficiency ratio | 77.5397% | 2,781 |
| Assets per employee ($millions) | 5.6965% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0003% | 2,303 |
| Loan loss allowance to noncurrent loans | 58.1903% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 2.3082% | 2,961 |
| Noncurrent loans to loans | 3.4375% | 2,207 |
| Net loans and leases to total assets | 65.8042% | 3,505 |
| Net loans and leases to deposits | 75.4698% | 3,923 |
| Net loans and leases to core deposits | 79.5570% | 4,266 |
| Total domestic deposits to total assets | 87.1929% | 2,718 |
| Equity capital to assets | 11.0711% | 2,626 |
| Core capital (leverage) ratio | 10.4421% | 2,617 |
| Tier 1 risk-based capital ratio | 15.0403% | 3,224 |
| Total risk-based capital ratio | 16.2983% | 3,174 |
| Memoranda: | ||
| Average total assets | $224,843,600 | 2,815 |
| Average earning assets | $213,175,200 | 2,713 |
| Average equity | $23,893,600 | 2,667 |
| Average total loans | $158,606,200 | 2,633 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7819% | 5,732 |
| Cost of funding earning assets | 1.0281% | 5,812 |
| Net interest margin | 3.7538% | 4,178 |
| Noninterest income to average assets | 0.1561% | 6,749 |
| Noninterest expense to average assets | 2.9083% | 4,057 |
| Loan and lease loss provision to assets | 0.1224% | 5,805 |
| Net operating income to assets | 0.6657% | 3,569 |
| Return on assets (ROA) | 0.6657% | 3,734 |
| Pretax return on assets | 0.6657% | 4,369 |
| Return on Equity (ROE) | 6.3298% | 3,665 |
| Retained earnings to average equity (ytd only) | 6.3298% | 2,187 |
| Net charge-offs to loans | 0.0687% | 5,827 |
| Credit loss provision to net charge-offs | 249.3976% | 1,341 |
| Earnings coverage of net charge-offs (x) | 16.0608% | 1,400 |
| Efficiency ratio | 78.6788% | 2,534 |
| Assets per employee ($millions) | 5.6709% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8698% | 2,573 |
| Loan loss allowance to noncurrent loans | 56.9890% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 2.2928% | 3,092 |
| Noncurrent loans to loans | 3.2810% | 2,416 |
| Net loans and leases to total assets | 68.5748% | 3,078 |
| Net loans and leases to deposits | 78.3417% | 3,769 |
| Net loans and leases to core deposits | 82.0570% | 4,238 |
| Total domestic deposits to total assets | 87.5329% | 2,243 |
| Equity capital to assets | 10.7553% | 3,221 |
| Core capital (leverage) ratio | 10.3945% | 2,807 |
| Tier 1 risk-based capital ratio | 13.9958% | 3,838 |
| Total risk-based capital ratio | 15.2526% | 3,805 |
| Memoranda: | ||
| Average total assets | $225,513,250 | 2,845 |
| Average earning assets | $212,686,750 | 2,757 |
| Average equity | $23,718,000 | 2,727 |
| Average total loans | $160,963,250 | 2,642 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8152% | 5,740 |
| Cost of funding earning assets | 1.1070% | 5,633 |
| Net interest margin | 3.7082% | 4,328 |
| Noninterest income to average assets | 0.1475% | 6,844 |
| Noninterest expense to average assets | 2.9502% | 3,890 |
| Loan and lease loss provision to assets | 0.1395% | 5,502 |
| Net operating income to assets | 0.5314% | 4,188 |
| Return on assets (ROA) | 0.5314% | 4,340 |
| Pretax return on assets | 0.5314% | 4,804 |
| Return on Equity (ROE) | 5.0912% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.0912% | 2,853 |
| Net charge-offs to loans | 0.1026% | 5,124 |
| Credit loss provision to net charge-offs | 189.1566% | 2,082 |
| Earnings coverage of net charge-offs (x) | 9.0964% | 2,056 |
| Efficiency ratio | 81.4724% | 2,237 |
| Assets per employee ($millions) | 5.6040% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8389% | 2,604 |
| Loan loss allowance to noncurrent loans | 55.3992% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 2.4067% | 2,990 |
| Noncurrent loans to loans | 3.3193% | 2,413 |
| Net loans and leases to total assets | 71.1721% | 2,620 |
| Net loans and leases to deposits | 81.4992% | 3,337 |
| Net loans and leases to core deposits | 84.8249% | 4,017 |
| Total domestic deposits to total assets | 87.3286% | 2,370 |
| Equity capital to assets | 10.9272% | 2,940 |
| Core capital (leverage) ratio | 10.0534% | 3,115 |
| Tier 1 risk-based capital ratio | 12.8059% | 4,599 |
| Total risk-based capital ratio | 14.0611% | 4,559 |
| Memoranda: | ||
| Average total assets | $225,072,000 | 2,870 |
| Average earning assets | $210,831,000 | 2,805 |
| Average equity | $23,491,670 | 2,745 |
| Average total loans | $161,778,670 | 2,668 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6813% | 6,311 |
| Cost of funding earning assets | 1.2167% | 5,302 |
| Net interest margin | 3.4646% | 5,312 |
| Noninterest income to average assets | 0.1384% | 6,991 |
| Noninterest expense to average assets | 2.9291% | 3,953 |
| Loan and lease loss provision to assets | 0.0561% | 6,099 |
| Net operating income to assets | 0.4555% | 4,595 |
| Return on assets (ROA) | 0.4555% | 4,719 |
| Pretax return on assets | 0.4555% | 5,108 |
| Return on Equity (ROE) | 4.4642% | 4,677 |
| Retained earnings to average equity (ytd only) | 4.4642% | 3,478 |
| Net charge-offs to loans | 0.2031% | 3,696 |
| Credit loss provision to net charge-offs | 38.5542% | 4,667 |
| Earnings coverage of net charge-offs (x) | 3.5181% | 2,884 |
| Efficiency ratio | 85.1324% | 1,895 |
| Assets per employee ($millions) | 5.9006% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7179% | 2,997 |
| Loan loss allowance to noncurrent loans | 52.4051% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 2.2549% | 3,206 |
| Noncurrent loans to loans | 3.2782% | 2,434 |
| Net loans and leases to total assets | 67.6030% | 3,486 |
| Net loans and leases to deposits | 76.7874% | 4,261 |
| Net loans and leases to core deposits | 80.6150% | 4,686 |
| Total domestic deposits to total assets | 88.0393% | 2,034 |
| Equity capital to assets | 9.9292% | 3,947 |
| Core capital (leverage) ratio | 9.8301% | 3,369 |
| Tier 1 risk-based capital ratio | 12.2065% | 4,986 |
| Total risk-based capital ratio | 13.4598% | 4,956 |
| Memoranda: | ||
| Average total assets | $228,330,000 | 2,893 |
| Average earning assets | $217,632,000 | 2,769 |
| Average equity | $23,296,500 | 2,795 |
| Average total loans | $163,435,500 | 2,713 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5342% | 3,970 |
| Cost of funding earning assets | 1.8660% | 3,645 |
| Net interest margin | 3.6682% | 4,264 |
| Noninterest income to average assets | 0.1896% | 6,735 |
| Noninterest expense to average assets | 3.3092% | 2,984 |
| Loan and lease loss provision to assets | 0.6236% | 3,308 |
| Net operating income to assets | -0.2859% | 5,951 |
| Return on assets (ROA) | -0.2859% | 5,953 |
| Pretax return on assets | -0.2854% | 5,817 |
| Return on Equity (ROE) | -2.3716% | 5,904 |
| Retained earnings to average equity (ytd only) | -2.3716% | 5,588 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7271% | 1,656 |
| Assets per employee ($millions) | 5.5160% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7262% | 2,804 |
| Loan loss allowance to noncurrent loans | 253.1194% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 6,183 |
| Noncurrent loans to loans | 0.6820% | 5,875 |
| Net loans and leases to total assets | 73.2802% | 2,429 |
| Net loans and leases to deposits | 83.9472% | 3,284 |
| Net loans and leases to core deposits | 105.9292% | 3,348 |
| Total domestic deposits to total assets | 87.2932% | 2,331 |
| Equity capital to assets | 10.4959% | 3,183 |
| Core capital (leverage) ratio | 10.3773% | 2,709 |
| Tier 1 risk-based capital ratio | 12.2266% | 4,745 |
| Total risk-based capital ratio | 13.4803% | 4,710 |
| Memoranda: | ||
| Average total assets | $193,065,200 | 3,258 |
| Average earning assets | $181,997,000 | 3,197 |
| Average equity | $23,275,600 | 2,798 |
| Average total loans | $149,905,800 | 2,912 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6547% | 3,546 |
| Cost of funding earning assets | 1.9844% | 3,442 |
| Net interest margin | 3.6703% | 4,202 |
| Noninterest income to average assets | 0.1998% | 6,786 |
| Noninterest expense to average assets | 3.5106% | 2,254 |
| Loan and lease loss provision to assets | 0.3488% | 4,234 |
| Net operating income to assets | -0.2270% | 6,109 |
| Return on assets (ROA) | -0.2270% | 6,117 |
| Pretax return on assets | -0.2263% | 6,014 |
| Return on Equity (ROE) | -1.8136% | 6,071 |
| Retained earnings to average equity (ytd only) | -1.8136% | 5,683 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6292% | 1,238 |
| Assets per employee ($millions) | 5.1009% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 4,222 |
| Loan loss allowance to noncurrent loans | 167.0338% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.6229% | 5,890 |
| Noncurrent loans to loans | 0.8066% | 5,689 |
| Net loans and leases to total assets | 76.1837% | 1,958 |
| Net loans and leases to deposits | 88.4883% | 2,868 |
| Net loans and leases to core deposits | 112.8254% | 2,947 |
| Total domestic deposits to total assets | 86.0947% | 2,655 |
| Equity capital to assets | 11.4406% | 2,640 |
| Core capital (leverage) ratio | 11.8227% | 1,888 |
| Tier 1 risk-based capital ratio | 12.9608% | 4,218 |
| Total risk-based capital ratio | 14.2013% | 4,155 |
| Memoranda: | ||
| Average total assets | $186,172,000 | 3,366 |
| Average earning assets | $174,151,500 | 3,319 |
| Average equity | $23,305,000 | 2,826 |
| Average total loans | $146,251,250 | 3,013 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6961% | 3,558 |
| Cost of funding earning assets | 2.0852% | 3,340 |
| Net interest margin | 3.6109% | 4,320 |
| Noninterest income to average assets | 0.2031% | 6,839 |
| Noninterest expense to average assets | 3.6267% | 2,006 |
| Loan and lease loss provision to assets | 0.3385% | 3,908 |
| Net operating income to assets | -0.3751% | 6,418 |
| Return on assets (ROA) | -0.3751% | 6,429 |
| Pretax return on assets | -0.3740% | 6,299 |
| Return on Equity (ROE) | -2.9022% | 6,351 |
| Retained earnings to average equity (ytd only) | -2.9022% | 5,954 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9889% | 1,127 |
| Assets per employee ($millions) | 4.5445% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 4,277 |
| Loan loss allowance to noncurrent loans | 1,285.4305% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 7,377 |
| Noncurrent loans to loans | 0.1011% | 7,273 |
| Net loans and leases to total assets | 81.1229% | 1,113 |
| Net loans and leases to deposits | 96.0490% | 1,790 |
| Net loans and leases to core deposits | 125.1207% | 1,939 |
| Total domestic deposits to total assets | 84.4599% | 3,521 |
| Equity capital to assets | 12.7698% | 1,804 |
| Core capital (leverage) ratio | 12.7341% | 1,529 |
| Tier 1 risk-based capital ratio | 13.9635% | 3,544 |
| Total risk-based capital ratio | 15.1875% | 3,492 |
| Memoranda: | ||
| Average total assets | $180,217,000 | 3,480 |
| Average earning assets | $169,097,000 | 3,406 |
| Average equity | $23,292,330 | 2,834 |
| Average total loans | $142,479,670 | 3,104 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4960% | 4,933 |
| Cost of funding earning assets | 2.1547% | 3,395 |
| Net interest margin | 3.3412% | 5,363 |
| Noninterest income to average assets | 0.1917% | 6,927 |
| Noninterest expense to average assets | 3.6314% | 1,792 |
| Loan and lease loss provision to assets | 0.3232% | 3,386 |
| Net operating income to assets | -0.5573% | 6,932 |
| Return on assets (ROA) | -0.5573% | 6,980 |
| Pretax return on assets | -0.5551% | 6,865 |
| Return on Equity (ROE) | -4.2860% | 6,915 |
| Retained earnings to average equity (ytd only) | -4.2860% | 6,460 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8197% | 906 |
| Assets per employee ($millions) | 4.7212% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 4,282 |
| 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% | 7,590 |
| Net loans and leases to total assets | 75.2561% | 2,437 |
| Net loans and leases to deposits | 88.8716% | 3,131 |
| Net loans and leases to core deposits | 117.1994% | 2,665 |
| Total domestic deposits to total assets | 84.6795% | 3,379 |
| Equity capital to assets | 12.6348% | 1,913 |
| Core capital (leverage) ratio | 12.5310% | 1,673 |
| Tier 1 risk-based capital ratio | 14.6996% | 3,203 |
| Total risk-based capital ratio | 15.8820% | 3,170 |
| Memoranda: | ||
| Average total assets | $179,435,000 | 3,513 |
| Average earning assets | $172,272,000 | 3,382 |
| Average equity | $23,332,000 | 2,839 |
| Average total loans | $139,016,000 | 3,188 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4083% | 3,374 |
| Cost of funding earning assets | 2.5516% | 3,948 |
| Net interest margin | 3.8568% | 3,764 |
| Noninterest income to average assets | 0.1919% | 7,082 |
| Noninterest expense to average assets | 3.7520% | 1,849 |
| Loan and lease loss provision to assets | 0.1848% | 5,042 |
| Net operating income to assets | -0.0417% | 6,429 |
| Return on assets (ROA) | -0.0417% | 6,280 |
| Pretax return on assets | -0.0411% | 6,201 |
| Return on Equity (ROE) | -0.2807% | 6,267 |
| Retained earnings to average equity (ytd only) | -0.2807% | 5,370 |
| Net charge-offs to loans | 0.0078% | 6,836 |
| Credit loss provision to net charge-offs | 2,880.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 22.4000% | 1,474 |
| Efficiency ratio | 96.3097% | 1,137 |
| Assets per employee ($millions) | 4.4806% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 4,636 |
| 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 | 77.8562% | 2,179 |
| Net loans and leases to deposits | 92.8611% | 2,984 |
| Net loans and leases to core deposits | 127.1248% | 2,072 |
| Total domestic deposits to total assets | 83.8415% | 3,402 |
| Equity capital to assets | 13.3910% | 1,635 |
| Core capital (leverage) ratio | 13.1417% | 1,504 |
| Tier 1 risk-based capital ratio | 15.3302% | 2,910 |
| Total risk-based capital ratio | 16.4515% | 2,881 |
| Memoranda: | ||
| Average total assets | $155,811,800 | 3,789 |
| Average earning assets | $149,633,600 | 3,663 |
| Average equity | $23,159,600 | 2,830 |
| Average total loans | $128,348,400 | 3,299 |