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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 | 5.4072% | 4,912 |
| Cost of funding earning assets | 1.1085% | 7,161 |
| Net interest margin | 4.2987% | 1,734 |
| Noninterest income to average assets | 0.5690% | 3,931 |
| Noninterest expense to average assets | 3.4459% | 2,434 |
| Loan and lease loss provision to assets | 0.6009% | 2,991 |
| Net operating income to assets | 0.5498% | 3,796 |
| Return on assets (ROA) | 0.5498% | 3,879 |
| Pretax return on assets | 0.5881% | 4,217 |
| Return on Equity (ROE) | 3.3259% | 4,651 |
| Retained earnings to average equity (ytd only) | 3.3259% | 3,444 |
| Net charge-offs to loans | 0.7478% | 2,490 |
| Credit loss provision to net charge-offs | 138.2353% | 3,581 |
| Earnings coverage of net charge-offs (x) | 2.7354% | 3,858 |
| Efficiency ratio | 74.3448% | 3,811 |
| Assets per employee ($millions) | 2.6394% | 6,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7109% | 870 |
| Loan loss allowance to noncurrent loans | 121.5054% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 1.3213% | 4,444 |
| Noncurrent loans to loans | 2.2311% | 3,343 |
| Net loans and leases to total assets | 57.6178% | 5,949 |
| Net loans and leases to deposits | 69.3892% | 5,993 |
| Net loans and leases to core deposits | 74.7757% | 6,682 |
| Total domestic deposits to total assets | 83.0358% | 4,203 |
| Equity capital to assets | 16.6090% | 692 |
| Core capital (leverage) ratio | 16.3503% | 630 |
| Tier 1 risk-based capital ratio | 20.0775% | 1,543 |
| Total risk-based capital ratio | 21.3338% | 1,490 |
| Memoranda: | ||
| Average total assets | $20,855,500 | 7,826 |
| Average earning assets | $19,726,250 | 7,792 |
| Average equity | $3,447,500 | 7,523 |
| Average total loans | $12,123,500 | 7,666 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4383% | 4,950 |
| Cost of funding earning assets | 1.1610% | 7,216 |
| Net interest margin | 4.2773% | 1,715 |
| Noninterest income to average assets | 0.5874% | 3,789 |
| Noninterest expense to average assets | 3.4474% | 2,503 |
| Loan and lease loss provision to assets | 0.9052% | 1,867 |
| Net operating income to assets | 0.2407% | 5,126 |
| Return on assets (ROA) | 0.2407% | 5,215 |
| Pretax return on assets | 0.2793% | 5,253 |
| Return on Equity (ROE) | 1.4587% | 5,472 |
| Retained earnings to average equity (ytd only) | 1.4587% | 4,514 |
| Net charge-offs to loans | 1.0336% | 1,727 |
| Credit loss provision to net charge-offs | 151.6129% | 3,034 |
| Earnings coverage of net charge-offs (x) | 1.9839% | 4,099 |
| Efficiency ratio | 74.4283% | 3,963 |
| Assets per employee ($millions) | 2.5728% | 7,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0364% | 555 |
| Loan loss allowance to noncurrent loans | 92.4933% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 2.0309% | 3,158 |
| Noncurrent loans to loans | 3.2829% | 2,157 |
| Net loans and leases to total assets | 53.5274% | 6,512 |
| Net loans and leases to deposits | 64.4797% | 6,523 |
| Net loans and leases to core deposits | 69.0721% | 7,073 |
| Total domestic deposits to total assets | 83.0143% | 4,228 |
| Equity capital to assets | 16.5679% | 738 |
| Core capital (leverage) ratio | 15.6429% | 798 |
| Tier 1 risk-based capital ratio | 21.1577% | 1,369 |
| Total risk-based capital ratio | 22.4175% | 1,338 |
| Memoranda: | ||
| Average total assets | $20,769,000 | 7,903 |
| Average earning assets | $19,638,670 | 7,871 |
| Average equity | $3,427,670 | 7,595 |
| Average total loans | $11,996,330 | 7,751 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5401% | 4,694 |
| Cost of funding earning assets | 1.2266% | 7,236 |
| Net interest margin | 4.3135% | 1,566 |
| Noninterest income to average assets | 0.5944% | 3,587 |
| Noninterest expense to average assets | 3.4320% | 2,272 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1696% | 1,742 |
| Return on assets (ROA) | 1.1696% | 1,856 |
| Pretax return on assets | 1.2079% | 2,606 |
| Return on Equity (ROE) | 7.1002% | 3,555 |
| Retained earnings to average equity (ytd only) | 7.1002% | 2,175 |
| Net charge-offs to loans | 1.6567% | 872 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.2353% | 4,132 |
| Efficiency ratio | 73.9669% | 3,832 |
| Assets per employee ($millions) | 2.3271% | 7,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3955% | 856 |
| Loan loss allowance to noncurrent loans | 134.3590% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 1.1841% | 4,303 |
| Noncurrent loans to loans | 1.7829% | 3,587 |
| Net loans and leases to total assets | 50.9693% | 6,767 |
| Net loans and leases to deposits | 61.1958% | 6,798 |
| Net loans and leases to core deposits | 64.6460% | 7,293 |
| Total domestic deposits to total assets | 83.2888% | 3,998 |
| Equity capital to assets | 16.4391% | 805 |
| Core capital (leverage) ratio | 16.0885% | 772 |
| Tier 1 risk-based capital ratio | 21.6091% | 1,355 |
| Total risk-based capital ratio | 22.8630% | 1,324 |
| Memoranda: | ||
| Average total assets | $20,862,500 | 7,956 |
| Average earning assets | $19,566,500 | 7,918 |
| Average equity | $3,436,500 | 7,645 |
| Average total loans | $12,313,500 | 7,788 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2927% | 4,000 |
| Cost of funding earning assets | 1.8264% | 6,939 |
| Net interest margin | 4.4663% | 1,500 |
| Noninterest income to average assets | 0.6412% | 3,543 |
| Noninterest expense to average assets | 3.5339% | 2,305 |
| Loan and lease loss provision to assets | 0.1639% | 5,286 |
| Net operating income to assets | 1.0076% | 2,525 |
| Return on assets (ROA) | 1.0076% | 2,409 |
| Pretax return on assets | 1.0462% | 3,222 |
| Return on Equity (ROE) | 6.1579% | 3,882 |
| Retained earnings to average equity (ytd only) | 0.5893% | 4,887 |
| Net charge-offs to loans | 0.6684% | 1,846 |
| Credit loss provision to net charge-offs | 39.5349% | 6,454 |
| Earnings coverage of net charge-offs (x) | 2.9186% | 4,623 |
| Efficiency ratio | 74.4919% | 3,494 |
| Assets per employee ($millions) | 2.3090% | 7,547 |
| Cash dividends to net income (ytd only)* | 90.4306% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2863% | 870 |
| Loan loss allowance to noncurrent loans | 81.5104% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.8478% | 2,676 |
| Noncurrent loans to loans | 2.8050% | 1,936 |
| Net loans and leases to total assets | 64.3713% | 5,196 |
| Net loans and leases to deposits | 77.4401% | 5,416 |
| Net loans and leases to core deposits | 83.5697% | 6,340 |
| Total domestic deposits to total assets | 83.1240% | 3,718 |
| Equity capital to assets | 16.5055% | 838 |
| Core capital (leverage) ratio | 16.3151% | 779 |
| Tier 1 risk-based capital ratio | 19.9009% | 1,635 |
| Total risk-based capital ratio | 21.1604% | 1,595 |
| Memoranda: | ||
| Average total assets | $20,742,200 | 7,994 |
| Average earning assets | $19,053,800 | 7,967 |
| Average equity | $3,394,000 | 7,723 |
| Average total loans | $12,866,200 | 7,780 |