Home > Central Arizona Bank > Performance and Condition Ratios
Central Arizona Bank, Performance and Condition Ratios
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1330% | 3,585 |
| Cost of funding earning assets | 0.5310% | 3,765 |
| Net interest margin | 3.6021% | 3,255 |
| Noninterest income to average assets | 0.2872% | 5,403 |
| Noninterest expense to average assets | 6.5687% | 170 |
| Loan and lease loss provision to assets | -2.4976% | 7,013 |
| Net operating income to assets | -0.6494% | 6,726 |
| Return on assets (ROA) | -0.6494% | 6,743 |
| Pretax return on assets | -0.6494% | 6,716 |
| Return on Equity (ROE) | -29.9928% | 6,933 |
| Retained earnings to average equity (ytd only) | -29.9928% | 6,899 |
| Net charge-offs to loans | 0.0328% | 3,574 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,931 |
| Earnings coverage of net charge-offs (x) | -126.0000% | 4,141 |
| Efficiency ratio | 191.9708% | 42 |
| Assets per employee ($millions) | 3.5056% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2008% | 119 |
| Loan loss allowance to noncurrent loans | 35.8551% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 13.1474% | 110 |
| Noncurrent loans to loans | 14.5049% | 85 |
| Net loans and leases to total assets | 71.4675% | 1,437 |
| Net loans and leases to deposits | 73.1555% | 3,029 |
| Net loans and leases to core deposits | 73.7707% | 3,609 |
| Total domestic deposits to total assets | 97.6926% | 7 |
| Equity capital to assets | 2.1268% | 7,003 |
| Core capital (leverage) ratio | 2.1329% | 6,999 |
| Tier 1 risk-based capital ratio | 2.8738% | 6,999 |
| Total risk-based capital ratio | 4.1758% | 6,999 |
| Memoranda: | ||
| Average total assets | $32,030,500 | 6,665 |
| Average earning assets | $27,873,000 | 6,679 |
| Average equity | $693,500 | 7,006 |
| Average total loans | $24,383,000 | 6,156 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5860% | 3,057 |
| Cost of funding earning assets | 0.7577% | 3,032 |
| Net interest margin | 3.8283% | 3,110 |
| Noninterest income to average assets | -0.7743% | 7,050 |
| Noninterest expense to average assets | 5.8160% | 239 |
| Loan and lease loss provision to assets | 0.1646% | 3,551 |
| Net operating income to assets | -3.5575% | 7,030 |
| Return on assets (ROA) | -3.5575% | 7,034 |
| Pretax return on assets | -3.5575% | 7,034 |
| Return on Equity (ROE) | -167.0290% | 7,080 |
| Retained earnings to average equity (ytd only) | -167.0290% | 7,080 |
| Net charge-offs to loans | 1.4392% | 633 |
| Credit loss provision to net charge-offs | 15.0235% | 5,344 |
| Earnings coverage of net charge-offs (x) | -3.0962% | 5,874 |
| Efficiency ratio | 240.0212% | 24 |
| Assets per employee ($millions) | 3.6123% | 4,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7604% | 80 |
| Loan loss allowance to noncurrent loans | 50.7763% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 11.5684% | 155 |
| Noncurrent loans to loans | 11.3446% | 169 |
| Net loans and leases to total assets | 72.4124% | 1,435 |
| Net loans and leases to deposits | 74.1854% | 3,063 |
| Net loans and leases to core deposits | 74.7911% | 3,685 |
| Total domestic deposits to total assets | 97.6100% | 9 |
| Equity capital to assets | 2.2023% | 7,060 |
| Core capital (leverage) ratio | 2.0412% | 7,062 |
| Tier 1 risk-based capital ratio | 2.8022% | 7,063 |
| Total risk-based capital ratio | 4.1055% | 7,063 |
| Memoranda: | ||
| Average total assets | $38,875,600 | 6,538 |
| Average earning assets | $32,468,600 | 6,593 |
| Average equity | $828,000 | 7,071 |
| Average total loans | $29,600,000 | 5,967 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5364% | 3,490 |
| Cost of funding earning assets | 0.7849% | 3,076 |
| Net interest margin | 3.7516% | 3,543 |
| Noninterest income to average assets | -0.2405% | 7,081 |
| Noninterest expense to average assets | 5.6209% | 251 |
| Loan and lease loss provision to assets | 0.2076% | 3,000 |
| Net operating income to assets | -2.9192% | 7,110 |
| Return on assets (ROA) | -2.9192% | 7,112 |
| Pretax return on assets | -2.9192% | 7,107 |
| Return on Equity (ROE) | -138.0023% | 7,170 |
| Retained earnings to average equity (ytd only) | -138.0023% | 7,170 |
| Net charge-offs to loans | 1.3743% | 661 |
| Credit loss provision to net charge-offs | 19.8738% | 4,956 |
| Earnings coverage of net charge-offs (x) | -2.5962% | 5,672 |
| Efficiency ratio | 193.2050% | 41 |
| Assets per employee ($millions) | 3.7020% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5593% | 99 |
| Loan loss allowance to noncurrent loans | 54.5487% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 10.8401% | 198 |
| Noncurrent loans to loans | 10.1915% | 239 |
| Net loans and leases to total assets | 70.9887% | 1,725 |
| Net loans and leases to deposits | 72.6589% | 3,505 |
| Net loans and leases to core deposits | 73.6940% | 4,014 |
| Total domestic deposits to total assets | 97.7012% | 8 |
| Equity capital to assets | 2.0881% | 7,163 |
| Core capital (leverage) ratio | 1.9997% | 7,167 |
| Tier 1 risk-based capital ratio | 2.7183% | 7,166 |
| Total risk-based capital ratio | 4.0194% | 7,166 |
| Memoranda: | ||
| Average total assets | $40,466,750 | 6,570 |
| Average earning assets | $33,975,750 | 6,641 |
| Average equity | $856,000 | 7,168 |
| Average total loans | $30,754,750 | 5,991 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5652% | 3,499 |
| Cost of funding earning assets | 0.8160% | 3,070 |
| Net interest margin | 3.7491% | 3,594 |
| Noninterest income to average assets | -0.0144% | 7,020 |
| Noninterest expense to average assets | 5.6373% | 251 |
| Loan and lease loss provision to assets | 0.2980% | 2,196 |
| Net operating income to assets | -2.7922% | 7,141 |
| Return on assets (ROA) | -2.7922% | 7,148 |
| Pretax return on assets | -2.7922% | 7,137 |
| Return on Equity (ROE) | -131.4971% | 7,216 |
| Retained earnings to average equity (ytd only) | -131.4971% | 7,214 |
| Net charge-offs to loans | 1.7459% | 510 |
| Credit loss provision to net charge-offs | 22.3827% | 4,569 |
| Earnings coverage of net charge-offs (x) | -1.8736% | 5,375 |
| Efficiency ratio | 179.3578% | 58 |
| Assets per employee ($millions) | 3.9297% | 4,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2079% | 133 |
| Loan loss allowance to noncurrent loans | 48.3389% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 12.1689% | 172 |
| Noncurrent loans to loans | 10.7736% | 227 |
| Net loans and leases to total assets | 73.4611% | 1,336 |
| Net loans and leases to deposits | 75.2672% | 3,091 |
| Net loans and leases to core deposits | 76.7848% | 3,682 |
| Total domestic deposits to total assets | 97.6003% | 9 |
| Equity capital to assets | 2.1859% | 7,216 |
| Core capital (leverage) ratio | 2.0314% | 7,222 |
| Tier 1 risk-based capital ratio | 2.7074% | 7,223 |
| Total risk-based capital ratio | 4.0028% | 7,223 |
| Memoranda: | ||
| Average total assets | $41,615,670 | 6,566 |
| Average earning assets | $35,048,000 | 6,656 |
| Average equity | $883,670 | 7,223 |
| Average total loans | $31,730,670 | 5,978 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5929% | 3,540 |
| Cost of funding earning assets | 0.8190% | 3,322 |
| Net interest margin | 3.7740% | 3,499 |
| Noninterest income to average assets | -0.2805% | 7,220 |
| Noninterest expense to average assets | 5.2648% | 308 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -2.3565% | 7,179 |
| Return on assets (ROA) | -2.3565% | 7,184 |
| Pretax return on assets | -2.3565% | 7,167 |
| Return on Equity (ROE) | -112.5000% | 7,269 |
| Retained earnings to average equity (ytd only) | -112.5000% | 7,265 |
| Net charge-offs to loans | 0.5684% | 1,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -5.4783% | 4,670 |
| Efficiency ratio | 181.0289% | 54 |
| Assets per employee ($millions) | 4.3574% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5485% | 108 |
| Loan loss allowance to noncurrent loans | 50.6347% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 12.4478% | 186 |
| Noncurrent loans to loans | 10.9580% | 250 |
| Net loans and leases to total assets | 68.5615% | 2,014 |
| Net loans and leases to deposits | 70.1011% | 3,720 |
| Net loans and leases to core deposits | 71.7063% | 4,196 |
| Total domestic deposits to total assets | 97.8037% | 10 |
| Equity capital to assets | 1.9966% | 7,281 |
| Core capital (leverage) ratio | 2.0684% | 7,277 |
| Tier 1 risk-based capital ratio | 2.6268% | 7,289 |
| Total risk-based capital ratio | 3.9281% | 7,286 |
| Memoranda: | ||
| Average total assets | $42,775,000 | 6,573 |
| Average earning assets | $36,142,500 | 6,668 |
| Average equity | $896,000 | 7,284 |
| Average total loans | $32,369,000 | 5,982 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6401% | 4,503 |
| Cost of funding earning assets | 0.9820% | 3,495 |
| Net interest margin | 3.6581% | 4,481 |
| Noninterest income to average assets | 0.0134% | 6,946 |
| Noninterest expense to average assets | 5.2740% | 305 |
| Loan and lease loss provision to assets | 0.9915% | 956 |
| Net operating income to assets | -3.0080% | 7,174 |
| Return on assets (ROA) | -3.0080% | 7,182 |
| Pretax return on assets | -3.0080% | 7,183 |
| Return on Equity (ROE) | -130.1072% | 7,335 |
| Retained earnings to average equity (ytd only) | -130.1072% | 7,335 |
| Net charge-offs to loans | 3.1006% | 294 |
| Credit loss provision to net charge-offs | 44.0804% | 5,550 |
| Earnings coverage of net charge-offs (x) | -0.8965% | 6,175 |
| Efficiency ratio | 161.9023% | 111 |
| Assets per employee ($millions) | 4.1976% | 3,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4398% | 133 |
| Loan loss allowance to noncurrent loans | 44.2506% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 14.9085% | 124 |
| Noncurrent loans to loans | 12.2931% | 205 |
| Net loans and leases to total assets | 74.5831% | 1,157 |
| Net loans and leases to deposits | 76.4555% | 3,104 |
| Net loans and leases to core deposits | 77.7910% | 3,702 |
| Total domestic deposits to total assets | 97.5510% | 16 |
| Equity capital to assets | 2.1965% | 7,314 |
| Core capital (leverage) ratio | 2.0140% | 7,325 |
| Tier 1 risk-based capital ratio | 2.6495% | 7,325 |
| Total risk-based capital ratio | 3.9484% | 7,326 |
| Memoranda: | ||
| Average total assets | $59,708,400 | 6,050 |
| Average earning assets | $52,951,000 | 6,081 |
| Average equity | $1,380,400 | 7,301 |
| Average total loans | $43,314,000 | 5,544 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6110% | 4,825 |
| Cost of funding earning assets | 1.0110% | 3,603 |
| Net interest margin | 3.6000% | 4,766 |
| Noninterest income to average assets | 0.4428% | 4,347 |
| Noninterest expense to average assets | 5.1302% | 331 |
| Loan and lease loss provision to assets | 0.7774% | 1,209 |
| Net operating income to assets | -2.2450% | 7,185 |
| Return on assets (ROA) | -2.2450% | 7,191 |
| Pretax return on assets | -2.2450% | 7,171 |
| Return on Equity (ROE) | -96.3184% | 7,377 |
| Retained earnings to average equity (ytd only) | -96.3184% | 7,377 |
| Net charge-offs to loans | 3.2820% | 260 |
| Credit loss provision to net charge-offs | 33.1267% | 5,372 |
| Earnings coverage of net charge-offs (x) | -0.6253% | 5,870 |
| Efficiency ratio | 140.0681% | 181 |
| Assets per employee ($millions) | 3.1060% | 5,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0441% | 178 |
| Loan loss allowance to noncurrent loans | 46.7725% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 13.4471% | 177 |
| Noncurrent loans to loans | 10.7843% | 305 |
| Net loans and leases to total assets | 72.6100% | 1,584 |
| Net loans and leases to deposits | 74.9673% | 3,512 |
| Net loans and leases to core deposits | 76.1554% | 4,180 |
| Total domestic deposits to total assets | 96.8555% | 21 |
| Equity capital to assets | 2.8547% | 7,370 |
| Core capital (leverage) ratio | 2.0751% | 7,394 |
| Tier 1 risk-based capital ratio | 3.5892% | 7,374 |
| Total risk-based capital ratio | 4.8848% | 7,375 |
| Memoranda: | ||
| Average total assets | $64,141,500 | 5,965 |
| Average earning assets | $57,368,750 | 5,995 |
| Average equity | $1,495,000 | 7,367 |
| Average total loans | $45,865,500 | 5,474 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 5,988 |
| Cost of funding earning assets | 0.9870% | 4,038 |
| Net interest margin | 3.3238% | 5,792 |
| Noninterest income to average assets | -0.4086% | 7,413 |
| Noninterest expense to average assets | 4.8263% | 425 |
| Loan and lease loss provision to assets | 0.7229% | 1,295 |
| Net operating income to assets | -2.9461% | 7,303 |
| Return on assets (ROA) | -2.9461% | 7,307 |
| Pretax return on assets | -2.9461% | 7,301 |
| Return on Equity (ROE) | -133.0323% | 7,461 |
| Retained earnings to average equity (ytd only) | -133.0323% | 7,461 |
| Net charge-offs to loans | 2.7476% | 402 |
| Credit loss provision to net charge-offs | 37.3708% | 4,864 |
| Earnings coverage of net charge-offs (x) | -1.1492% | 5,655 |
| Efficiency ratio | 185.4007% | 76 |
| Assets per employee ($millions) | 3.7416% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5714% | 265 |
| Loan loss allowance to noncurrent loans | 70.2310% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 9.0132% | 466 |
| Noncurrent loans to loans | 6.5091% | 856 |
| Net loans and leases to total assets | 69.8382% | 2,249 |
| Net loans and leases to deposits | 71.6334% | 4,175 |
| Net loans and leases to core deposits | 74.9536% | 4,445 |
| Total domestic deposits to total assets | 97.4940% | 8 |
| Equity capital to assets | 2.1680% | 7,472 |
| Core capital (leverage) ratio | 2.0405% | 7,473 |
| Tier 1 risk-based capital ratio | 2.7982% | 7,473 |
| Total risk-based capital ratio | 4.0864% | 7,473 |
| Memoranda: | ||
| Average total assets | $69,992,000 | 5,827 |
| Average earning assets | $63,422,330 | 5,841 |
| Average equity | $1,550,000 | 7,424 |
| Average total loans | $49,278,670 | 5,385 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0825% | 6,538 |
| Cost of funding earning assets | 1.0118% | 4,117 |
| Net interest margin | 3.0708% | 6,417 |
| Noninterest income to average assets | -0.9237% | 7,534 |
| Noninterest expense to average assets | 4.7059% | 478 |
| Loan and lease loss provision to assets | 0.8253% | 1,010 |
| Net operating income to assets | -3.6183% | 7,431 |
| Return on assets (ROA) | -3.6183% | 7,436 |
| Pretax return on assets | -3.6183% | 7,419 |
| Return on Equity (ROE) | -161.9077% | 7,528 |
| Retained earnings to average equity (ytd only) | -161.9077% | 7,523 |
| Net charge-offs to loans | 5.3077% | 138 |
| Credit loss provision to net charge-offs | 22.4702% | 4,231 |
| Earnings coverage of net charge-offs (x) | -0.7604% | 4,861 |
| Efficiency ratio | 246.0000% | 40 |
| Assets per employee ($millions) | 4.1635% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1926% | 371 |
| Loan loss allowance to noncurrent loans | 50.9661% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 8.8882% | 492 |
| Noncurrent loans to loans | 8.2263% | 588 |
| Net loans and leases to total assets | 65.5717% | 3,114 |
| Net loans and leases to deposits | 67.2818% | 4,786 |
| Net loans and leases to core deposits | 72.0601% | 4,779 |
| Total domestic deposits to total assets | 97.4583% | 11 |
| Equity capital to assets | 2.1857% | 7,522 |
| Core capital (leverage) ratio | 2.1000% | 7,526 |
| Tier 1 risk-based capital ratio | 3.0983% | 7,518 |
| Total risk-based capital ratio | 4.3834% | 7,518 |
| Memoranda: | ||
| Average total assets | $73,184,500 | 5,782 |
| Average earning assets | $67,605,500 | 5,747 |
| Average equity | $1,635,500 | 7,462 |
| Average total loans | $50,643,000 | 5,374 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3924% | 6,627 |
| Cost of funding earning assets | 1.3730% | 3,440 |
| Net interest margin | 3.0194% | 6,700 |
| Noninterest income to average assets | -1.2069% | 7,634 |
| Noninterest expense to average assets | 5.3281% | 331 |
| Loan and lease loss provision to assets | 2.9227% | 336 |
| Net operating income to assets | -6.6955% | 7,597 |
| Return on assets (ROA) | -6.6955% | 7,601 |
| Pretax return on assets | -6.6955% | 7,603 |
| Return on Equity (ROE) | -172.8487% | 7,641 |
| Retained earnings to average equity (ytd only) | -172.8487% | 7,641 |
| Net charge-offs to loans | 5.1022% | 167 |
| Credit loss provision to net charge-offs | 80.2433% | 5,557 |
| Earnings coverage of net charge-offs (x) | -1.0358% | 6,614 |
| Efficiency ratio | 269.6690% | 40 |
| Assets per employee ($millions) | 3.9784% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8293% | 215 |
| Loan loss allowance to noncurrent loans | 50.1178% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 10.3995% | 381 |
| Noncurrent loans to loans | 9.6359% | 449 |
| Net loans and leases to total assets | 66.5326% | 3,345 |
| Net loans and leases to deposits | 68.2944% | 5,065 |
| Net loans and leases to core deposits | 74.0907% | 4,971 |
| Total domestic deposits to total assets | 97.4203% | 9 |
| Equity capital to assets | 2.2807% | 7,604 |
| Core capital (leverage) ratio | 2.2396% | 7,598 |
| Tier 1 risk-based capital ratio | 3.1987% | 7,595 |
| Total risk-based capital ratio | 4.4923% | 7,594 |
| Memoranda: | ||
| Average total assets | $83,519,000 | 5,484 |
| Average earning assets | $76,404,800 | 5,468 |
| Average equity | $3,235,200 | 7,210 |
| Average total loans | $59,621,400 | 5,087 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4254% | 6,774 |
| Cost of funding earning assets | 1.4529% | 3,260 |
| Net interest margin | 2.9725% | 6,889 |
| Noninterest income to average assets | -0.5848% | 7,693 |
| Noninterest expense to average assets | 4.2431% | 785 |
| Loan and lease loss provision to assets | 3.2841% | 238 |
| Net operating income to assets | -5.3971% | 7,674 |
| Return on assets (ROA) | -5.3971% | 7,679 |
| Pretax return on assets | -5.3971% | 7,667 |
| Return on Equity (ROE) | -127.7207% | 7,715 |
| Retained earnings to average equity (ytd only) | -127.7207% | 7,715 |
| Net charge-offs to loans | 5.9211% | 107 |
| Credit loss provision to net charge-offs | 77.3412% | 5,218 |
| Earnings coverage of net charge-offs (x) | -0.4976% | 6,321 |
| Efficiency ratio | 199.1947% | 86 |
| Assets per employee ($millions) | 3.8234% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3282% | 276 |
| Loan loss allowance to noncurrent loans | 68.3104% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 9.6223% | 437 |
| Noncurrent loans to loans | 6.3360% | 953 |
| Net loans and leases to total assets | 77.1364% | 1,192 |
| Net loans and leases to deposits | 80.5344% | 3,354 |
| Net loans and leases to core deposits | 92.2903% | 2,750 |
| Total domestic deposits to total assets | 95.7808% | 28 |
| Equity capital to assets | 3.6548% | 7,657 |
| Core capital (leverage) ratio | 2.1935% | 7,713 |
| Tier 1 risk-based capital ratio | 2.8136% | 7,715 |
| Total risk-based capital ratio | 4.0991% | 7,715 |
| Memoranda: | ||
| Average total assets | $85,501,250 | 5,485 |
| Average earning assets | $78,093,000 | 5,480 |
| Average equity | $3,613,000 | 7,199 |
| Average total loans | $61,315,750 | 5,087 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3086% | 7,038 |
| Cost of funding earning assets | 1.5244% | 3,105 |
| Net interest margin | 2.7842% | 7,163 |
| Noninterest income to average assets | -0.8108% | 7,780 |
| Noninterest expense to average assets | 3.8558% | 1,256 |
| Loan and lease loss provision to assets | 2.3990% | 481 |
| Net operating income to assets | -4.5107% | 7,663 |
| Return on assets (ROA) | -4.5107% | 7,669 |
| Pretax return on assets | -4.5107% | 7,650 |
| Return on Equity (ROE) | -102.9924% | 7,739 |
| Retained earnings to average equity (ytd only) | -102.9924% | 7,738 |
| Net charge-offs to loans | 6.4919% | 108 |
| Credit loss provision to net charge-offs | 53.3168% | 5,348 |
| Earnings coverage of net charge-offs (x) | -0.4693% | 6,007 |
| Efficiency ratio | 221.0728% | 77 |
| Assets per employee ($millions) | 4.6962% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7345% | 457 |
| Loan loss allowance to noncurrent loans | 59.7136% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 7.8751% | 631 |
| Noncurrent loans to loans | 6.2540% | 989 |
| Net loans and leases to total assets | 67.3922% | 3,524 |
| Net loans and leases to deposits | 70.2078% | 5,244 |
| Net loans and leases to core deposits | 84.5235% | 4,064 |
| Total domestic deposits to total assets | 95.9897% | 27 |
| Equity capital to assets | 3.6613% | 7,714 |
| Core capital (leverage) ratio | 2.4313% | 7,762 |
| Tier 1 risk-based capital ratio | 3.4989% | 7,760 |
| Total risk-based capital ratio | 4.7778% | 7,762 |
| Memoranda: | ||
| Average total assets | $89,787,000 | 5,399 |
| Average earning assets | $82,393,670 | 5,359 |
| Average equity | $3,932,330 | 7,147 |
| Average total loans | $62,231,000 | 5,093 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2528% | 7,202 |
| Cost of funding earning assets | 1.6607% | 2,593 |
| Net interest margin | 2.5921% | 7,397 |
| Noninterest income to average assets | -1.6967% | 7,915 |
| Noninterest expense to average assets | 3.7007% | 1,518 |
| Loan and lease loss provision to assets | 1.4803% | 791 |
| Net operating income to assets | -4.4928% | 7,747 |
| Return on assets (ROA) | -4.4928% | 7,754 |
| Pretax return on assets | -4.4928% | 7,721 |
| Return on Equity (ROE) | -95.4263% | 7,822 |
| Retained earnings to average equity (ytd only) | -95.4263% | 7,818 |
| Net charge-offs to loans | 11.0983% | 39 |
| Credit loss provision to net charge-offs | 19.3330% | 4,955 |
| Earnings coverage of net charge-offs (x) | -0.3934% | 5,244 |
| Efficiency ratio | 537.7358% | 15 |
| Assets per employee ($millions) | 5.0396% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8028% | 984 |
| Loan loss allowance to noncurrent loans | 60.6252% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 6.4402% | 893 |
| Noncurrent loans to loans | 4.6232% | 1,608 |
| Net loans and leases to total assets | 65.9836% | 3,854 |
| Net loans and leases to deposits | 70.9065% | 5,214 |
| Net loans and leases to core deposits | 86.9948% | 3,754 |
| Total domestic deposits to total assets | 93.0571% | 118 |
| Equity capital to assets | 4.5000% | 7,761 |
| Core capital (leverage) ratio | 3.3767% | 7,823 |
| Tier 1 risk-based capital ratio | 4.8554% | 7,809 |
| Total risk-based capital ratio | 6.1236% | 7,810 |
| Memoranda: | ||
| Average total assets | $92,414,500 | 5,372 |
| Average earning assets | $85,026,500 | 5,337 |
| Average equity | $4,351,000 | 7,055 |
| Average total loans | $63,757,500 | 5,101 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9636% | 6,545 |
| Cost of funding earning assets | 2.2958% | 1,678 |
| Net interest margin | 2.6678% | 7,252 |
| Noninterest income to average assets | -0.4841% | 7,942 |
| Noninterest expense to average assets | 3.9466% | 1,443 |
| Loan and lease loss provision to assets | 4.3850% | 278 |
| Net operating income to assets | -7.1326% | 7,901 |
| Return on assets (ROA) | -7.1326% | 7,896 |
| Pretax return on assets | -6.3777% | 7,831 |
| Return on Equity (ROE) | -75.8955% | 7,844 |
| Retained earnings to average equity (ytd only) | -75.8955% | 7,841 |
| Net charge-offs to loans | 2.8324% | 777 |
| Credit loss provision to net charge-offs | 194.1360% | 2,047 |
| Earnings coverage of net charge-offs (x) | -0.8822% | 6,857 |
| Efficiency ratio | 201.9796% | 132 |
| Assets per employee ($millions) | 5.2287% | 1,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7821% | 197 |
| Loan loss allowance to noncurrent loans | 100.6384% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 6.8553% | 745 |
| Noncurrent loans to loans | 4.7517% | 1,461 |
| Net loans and leases to total assets | 66.7053% | 3,985 |
| Net loans and leases to deposits | 71.9396% | 5,336 |
| Net loans and leases to core deposits | 78.5843% | 6,213 |
| Total domestic deposits to total assets | 92.7239% | 158 |
| Equity capital to assets | 4.9088% | 7,798 |
| Core capital (leverage) ratio | 3.8735% | 7,856 |
| Tier 1 risk-based capital ratio | 5.4762% | 7,845 |
| Total risk-based capital ratio | 6.7684% | 7,848 |
| Memoranda: | ||
| Average total assets | $85,313,000 | 5,549 |
| Average earning assets | $77,968,200 | 5,528 |
| Average equity | $8,017,600 | 5,915 |
| Average total loans | $68,034,000 | 4,936 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0571% | 6,426 |
| Cost of funding earning assets | 2.3967% | 1,646 |
| Net interest margin | 2.6604% | 7,276 |
| Noninterest income to average assets | -0.0610% | 7,906 |
| Noninterest expense to average assets | 4.0362% | 1,233 |
| Loan and lease loss provision to assets | 5.3132% | 151 |
| Net operating income to assets | -7.9842% | 8,011 |
| Return on assets (ROA) | -7.9842% | 8,007 |
| Pretax return on assets | -6.9832% | 7,959 |
| Return on Equity (ROE) | -74.8374% | 7,946 |
| Retained earnings to average equity (ytd only) | -74.8374% | 7,945 |
| Net charge-offs to loans | 3.3722% | 453 |
| Credit loss provision to net charge-offs | 191.0035% | 2,372 |
| Earnings coverage of net charge-offs (x) | -0.6003% | 6,521 |
| Efficiency ratio | 170.5763% | 235 |
| Assets per employee ($millions) | 4.6498% | 2,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2769% | 243 |
| Loan loss allowance to noncurrent loans | 115.8459% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 6.6341% | 751 |
| Noncurrent loans to loans | 3.6919% | 2,026 |
| Net loans and leases to total assets | 73.8972% | 2,557 |
| Net loans and leases to deposits | 81.1894% | 4,169 |
| Net loans and leases to core deposits | 86.5254% | 5,817 |
| Total domestic deposits to total assets | 91.0184% | 414 |
| Equity capital to assets | 6.4835% | 7,769 |
| Core capital (leverage) ratio | 5.4928% | 7,871 |
| Tier 1 risk-based capital ratio | 6.8600% | 7,909 |
| Total risk-based capital ratio | 8.1464% | 7,909 |
| Memoranda: | ||
| Average total assets | $83,112,000 | 5,651 |
| Average earning assets | $75,825,000 | 5,637 |
| Average equity | $8,867,000 | 5,697 |
| Average total loans | $68,559,000 | 4,968 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0945% | 6,454 |
| Cost of funding earning assets | 2.4959% | 1,631 |
| Net interest margin | 2.5986% | 7,360 |
| Noninterest income to average assets | 0.2581% | 6,432 |
| Noninterest expense to average assets | 4.1909% | 1,084 |
| Loan and lease loss provision to assets | 5.3167% | 176 |
| Net operating income to assets | -4.2745% | 7,865 |
| Return on assets (ROA) | -4.2745% | 7,859 |
| Pretax return on assets | -6.8849% | 8,021 |
| Return on Equity (ROE) | -35.0841% | 7,789 |
| Retained earnings to average equity (ytd only) | -35.0841% | 7,769 |
| Net charge-offs to loans | 4.2081% | 322 |
| Credit loss provision to net charge-offs | 149.6886% | 3,088 |
| Earnings coverage of net charge-offs (x) | -0.4415% | 6,044 |
| Efficiency ratio | 159.7938% | 326 |
| Assets per employee ($millions) | 4.0301% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0255% | 558 |
| Loan loss allowance to noncurrent loans | 94.9677% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 5.7472% | 857 |
| Noncurrent loans to loans | 3.1859% | 2,239 |
| Net loans and leases to total assets | 77.9032% | 1,766 |
| Net loans and leases to deposits | 93.9509% | 2,097 |
| Net loans and leases to core deposits | 101.2314% | 4,375 |
| Total domestic deposits to total assets | 82.9190% | 4,280 |
| Equity capital to assets | 10.5941% | 3,304 |
| Core capital (leverage) ratio | 8.1469% | 6,085 |
| Tier 1 risk-based capital ratio | 9.4145% | 7,465 |
| Total risk-based capital ratio | 10.6849% | 7,406 |
| Memoranda: | ||
| Average total assets | $81,367,000 | 5,745 |
| Average earning assets | $74,040,000 | 5,742 |
| Average equity | $9,913,330 | 5,383 |
| Average total loans | $68,677,670 | 5,011 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8742% | 7,232 |
| Cost of funding earning assets | 2.5711% | 1,653 |
| Net interest margin | 2.3031% | 7,712 |
| Noninterest income to average assets | 0.2609% | 6,366 |
| Noninterest expense to average assets | 4.1839% | 960 |
| Loan and lease loss provision to assets | 2.0769% | 573 |
| Net operating income to assets | -2.3879% | 7,746 |
| Return on assets (ROA) | -2.3879% | 7,747 |
| Pretax return on assets | -3.8879% | 7,888 |
| Return on Equity (ROE) | -18.3306% | 7,720 |
| Retained earnings to average equity (ytd only) | -18.3306% | 7,600 |
| Net charge-offs to loans | 4.0740% | 294 |
| Credit loss provision to net charge-offs | 58.8905% | 4,538 |
| Earnings coverage of net charge-offs (x) | -0.5135% | 5,255 |
| Efficiency ratio | 176.3214% | 255 |
| Assets per employee ($millions) | 3.7950% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5290% | 2,821 |
| Loan loss allowance to noncurrent loans | 29.3788% | 6,596 |
| Noncurrent assets plus other real estate owned to assets | 6.8410% | 514 |
| Noncurrent loans to loans | 5.2044% | 1,023 |
| Net loans and leases to total assets | 84.8512% | 568 |
| Net loans and leases to deposits | 105.5389% | 902 |
| Net loans and leases to core deposits | 112.4352% | 3,173 |
| Total domestic deposits to total assets | 80.3980% | 5,211 |
| Equity capital to assets | 12.8338% | 1,819 |
| Core capital (leverage) ratio | 11.6807% | 2,055 |
| Tier 1 risk-based capital ratio | 12.8616% | 4,282 |
| Total risk-based capital ratio | 14.1146% | 4,197 |
| Memoranda: | ||
| Average total assets | $79,734,500 | 5,833 |
| Average earning assets | $73,119,500 | 5,809 |
| Average equity | $10,387,000 | 5,266 |
| Average total loans | $69,022,500 | 5,014 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3544% | 3,670 |
| Cost of funding earning assets | 2.7974% | 2,717 |
| Net interest margin | 3.5570% | 5,070 |
| Noninterest income to average assets | 0.2028% | 7,000 |
| Noninterest expense to average assets | 3.4766% | 2,461 |
| Loan and lease loss provision to assets | 2.1140% | 550 |
| Net operating income to assets | -1.3054% | 7,392 |
| Return on assets (ROA) | -1.3054% | 7,336 |
| Pretax return on assets | -2.1245% | 7,478 |
| Return on Equity (ROE) | -12.1709% | 7,434 |
| Retained earnings to average equity (ytd only) | -13.7832% | 7,390 |
| Net charge-offs to loans | 1.3704% | 858 |
| Credit loss provision to net charge-offs | 172.9787% | 2,950 |
| Earnings coverage of net charge-offs (x) | -0.0085% | 6,248 |
| Efficiency ratio | 100.3001% | 971 |
| Assets per employee ($millions) | 3.9887% | 3,546 |
| Cash dividends to net income (ytd only)* | -13.2470% | 7,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9302% | 1,360 |
| Loan loss allowance to noncurrent loans | 70.6596% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 3.4861% | 1,278 |
| Noncurrent loans to loans | 2.7316% | 1,983 |
| Net loans and leases to total assets | 85.2832% | 690 |
| Net loans and leases to deposits | 112.3472% | 688 |
| Net loans and leases to core deposits | 118.9076% | 2,797 |
| Total domestic deposits to total assets | 75.9104% | 6,266 |
| Equity capital to assets | 13.2200% | 1,700 |
| Core capital (leverage) ratio | 13.3775% | 1,422 |
| Tier 1 risk-based capital ratio | 13.0160% | 4,102 |
| Total risk-based capital ratio | 14.2735% | 4,007 |
| Memoranda: | ||
| Average total assets | $76,914,000 | 5,801 |
| Average earning assets | $70,565,600 | 5,800 |
| Average equity | $8,249,200 | 5,990 |
| Average total loans | $68,594,600 | 4,924 |