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Central Bank, Performance and Condition Ratios
| 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 | 5.1549% | 6,088 |
| Cost of funding earning assets | 1.0770% | 7,227 |
| Net interest margin | 4.0779% | 2,486 |
| Noninterest income to average assets | 0.6381% | 3,440 |
| Noninterest expense to average assets | 4.2847% | 929 |
| Loan and lease loss provision to assets | 0.2552% | 4,910 |
| Net operating income to assets | -0.1394% | 5,968 |
| Return on assets (ROA) | 0.2292% | 5,139 |
| Pretax return on assets | 0.3521% | 4,923 |
| Return on Equity (ROE) | 2.7916% | 4,880 |
| Retained earnings to average equity (ytd only) | 1.7843% | 4,318 |
| Net charge-offs to loans | 0.4347% | 3,503 |
| Credit loss provision to net charge-offs | 121.3483% | 4,181 |
| Earnings coverage of net charge-offs (x) | 0.1911% | 5,831 |
| Efficiency ratio | 99.0710% | 1,109 |
| Assets per employee ($millions) | 2.2335% | 7,579 |
| Cash dividends to net income (ytd only)* | 36.0860% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1414% | 1,516 |
| Loan loss allowance to noncurrent loans | 73.6909% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.6360% | 3,907 |
| Noncurrent loans to loans | 2.9059% | 2,622 |
| Net loans and leases to total assets | 49.1894% | 6,850 |
| Net loans and leases to deposits | 56.9626% | 7,028 |
| Net loans and leases to core deposits | 61.8822% | 7,330 |
| Total domestic deposits to total assets | 86.3539% | 2,511 |
| Equity capital to assets | 8.5085% | 6,241 |
| Core capital (leverage) ratio | 8.2958% | 5,845 |
| Tier 1 risk-based capital ratio | 14.4057% | 3,328 |
| Total risk-based capital ratio | 15.4665% | 3,378 |
| Memoranda: | ||
| Average total assets | $56,416,750 | 6,524 |
| Average earning assets | $51,005,250 | 6,537 |
| Average equity | $4,632,750 | 7,131 |
| Average total loans | $27,298,750 | 6,841 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2035% | 6,067 |
| Cost of funding earning assets | 1.1189% | 7,327 |
| Net interest margin | 4.0847% | 2,376 |
| Noninterest income to average assets | 0.6416% | 3,403 |
| Noninterest expense to average assets | 3.8986% | 1,488 |
| Loan and lease loss provision to assets | 0.3138% | 4,061 |
| Net operating income to assets | 0.1142% | 5,521 |
| Return on assets (ROA) | 0.6765% | 3,470 |
| Pretax return on assets | 0.8962% | 3,353 |
| Return on Equity (ROE) | 8.3321% | 2,640 |
| Retained earnings to average equity (ytd only) | 8.3321% | 1,112 |
| Net charge-offs to loans | 0.5471% | 2,686 |
| Credit loss provision to net charge-offs | 120.0000% | 3,871 |
| Earnings coverage of net charge-offs (x) | 1.7600% | 4,235 |
| Efficiency ratio | 89.4400% | 1,867 |
| Assets per employee ($millions) | 2.1830% | 7,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1258% | 1,351 |
| Loan loss allowance to noncurrent loans | 69.4175% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.6821% | 3,667 |
| Noncurrent loans to loans | 3.0624% | 2,341 |
| Net loans and leases to total assets | 48.2538% | 7,015 |
| Net loans and leases to deposits | 55.9201% | 7,170 |
| Net loans and leases to core deposits | 62.8715% | 7,341 |
| Total domestic deposits to total assets | 86.2907% | 2,631 |
| Equity capital to assets | 8.6485% | 5,824 |
| Core capital (leverage) ratio | 8.3877% | 5,648 |
| Tier 1 risk-based capital ratio | 15.3657% | 2,869 |
| Total risk-based capital ratio | 16.4458% | 2,872 |
| Memoranda: | ||
| Average total assets | $57,354,000 | 6,536 |
| Average earning assets | $52,195,330 | 6,546 |
| Average equity | $4,656,670 | 7,191 |
| Average total loans | $27,416,670 | 6,886 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2553% | 6,092 |
| Cost of funding earning assets | 1.2180% | 7,257 |
| Net interest margin | 4.0373% | 2,499 |
| Noninterest income to average assets | 0.6537% | 3,177 |
| Noninterest expense to average assets | 3.6770% | 1,695 |
| Loan and lease loss provision to assets | 0.2247% | 4,208 |
| Net operating income to assets | 0.3008% | 5,296 |
| Return on assets (ROA) | 0.7695% | 3,433 |
| Pretax return on assets | 1.0418% | 3,193 |
| Return on Equity (ROE) | 9.7730% | 2,419 |
| Retained earnings to average equity (ytd only) | 9.7730% | 1,261 |
| Net charge-offs to loans | 0.3325% | 2,764 |
| Credit loss provision to net charge-offs | 143.4783% | 2,861 |
| Earnings coverage of net charge-offs (x) | 4.0435% | 2,992 |
| Efficiency ratio | 85.3081% | 2,156 |
| Assets per employee ($millions) | 2.4502% | 7,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0882% | 1,256 |
| Loan loss allowance to noncurrent loans | 56.3059% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 2.0679% | 2,797 |
| Noncurrent loans to loans | 3.7086% | 1,680 |
| Net loans and leases to total assets | 45.2112% | 7,248 |
| Net loans and leases to deposits | 51.7107% | 7,419 |
| Net loans and leases to core deposits | 55.9281% | 7,620 |
| Total domestic deposits to total assets | 87.4311% | 2,004 |
| Equity capital to assets | 7.9978% | 6,814 |
| Core capital (leverage) ratio | 7.9026% | 6,611 |
| Tier 1 risk-based capital ratio | 14.6704% | 3,218 |
| Total risk-based capital ratio | 15.9232% | 3,147 |
| Memoranda: | ||
| Average total assets | $58,743,000 | 6,515 |
| Average earning assets | $53,203,500 | 6,535 |
| Average equity | $4,625,000 | 7,251 |
| Average total loans | $27,671,500 | 6,901 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7059% | 6,758 |
| Cost of funding earning assets | 1.6807% | 7,301 |
| Net interest margin | 4.0252% | 3,002 |
| Noninterest income to average assets | 0.6802% | 3,246 |
| Noninterest expense to average assets | 3.9484% | 1,487 |
| Loan and lease loss provision to assets | 0.9792% | 1,505 |
| Net operating income to assets | -0.4886% | 6,915 |
| Return on assets (ROA) | -0.4302% | 6,733 |
| Pretax return on assets | -0.4914% | 6,648 |
| Return on Equity (ROE) | -5.3224% | 6,894 |
| Retained earnings to average equity (ytd only) | -6.8801% | 6,770 |
| Net charge-offs to loans | 1.4668% | 792 |
| Credit loss provision to net charge-offs | 137.5921% | 3,872 |
| Earnings coverage of net charge-offs (x) | 0.5921% | 5,871 |
| Efficiency ratio | 90.3561% | 1,489 |
| Assets per employee ($millions) | 2.4451% | 7,308 |
| Cash dividends to net income (ytd only)* | -29.2683% | 7,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9794% | 1,265 |
| Loan loss allowance to noncurrent loans | 75.5074% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.6342% | 2,977 |
| Noncurrent loans to loans | 2.6215% | 2,065 |
| Net loans and leases to total assets | 47.0877% | 7,247 |
| Net loans and leases to deposits | 53.6065% | 7,462 |
| Net loans and leases to core deposits | 58.3298% | 7,656 |
| Total domestic deposits to total assets | 87.8395% | 1,541 |
| Equity capital to assets | 7.7485% | 7,155 |
| Core capital (leverage) ratio | 7.7825% | 6,830 |
| Tier 1 risk-based capital ratio | 14.4759% | 3,307 |
| Total risk-based capital ratio | 15.7206% | 3,224 |
| Memoranda: | ||
| Average total assets | $57,187,000 | 6,480 |
| Average earning assets | $52,419,200 | 6,487 |
| Average equity | $4,622,000 | 7,294 |
| Average total loans | $27,746,800 | 6,859 |