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Central Bank, 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 | 4.7852% | 5,942 |
| Cost of funding earning assets | 0.9768% | 6,486 |
| Net interest margin | 3.8084% | 3,766 |
| Noninterest income to average assets | 0.5237% | 3,859 |
| Noninterest expense to average assets | 2.6815% | 4,992 |
| Loan and lease loss provision to assets | 0.0628% | 6,015 |
| Net operating income to assets | 0.9951% | 2,209 |
| Return on assets (ROA) | 0.9951% | 2,277 |
| Pretax return on assets | 1.0056% | 3,076 |
| Return on Equity (ROE) | 11.2509% | 1,702 |
| Retained earnings to average equity (ytd only) | 0.5922% | 5,589 |
| Net charge-offs to loans | -0.0389% | 7,275 |
| Credit loss provision to net charge-offs | -300.0000% | 6,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5084% | 4,026 |
| Assets per employee ($millions) | 3.4720% | 5,095 |
| Cash dividends to net income (ytd only)* | 94.7368% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 5,895 |
| Loan loss allowance to noncurrent loans | 114.2857% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.5944% | 6,027 |
| Noncurrent loans to loans | 0.9842% | 5,354 |
| Net loans and leases to total assets | 51.5553% | 6,314 |
| Net loans and leases to deposits | 56.8829% | 6,709 |
| Net loans and leases to core deposits | 56.8829% | 6,943 |
| Total domestic deposits to total assets | 90.6342% | 681 |
| Equity capital to assets | 8.8265% | 5,497 |
| Core capital (leverage) ratio | 8.5279% | 5,326 |
| Tier 1 risk-based capital ratio | 14.3767% | 3,452 |
| Total risk-based capital ratio | 15.3544% | 3,554 |
| Memoranda: | ||
| Average total assets | $38,187,000 | 7,148 |
| Average earning assets | $32,349,500 | 7,230 |
| Average equity | $3,377,500 | 7,379 |
| Average total loans | $20,540,500 | 7,125 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1225% | 5,992 |
| Cost of funding earning assets | 1.2162% | 6,603 |
| Net interest margin | 3.9063% | 3,244 |
| Noninterest income to average assets | 0.6037% | 3,602 |
| Noninterest expense to average assets | 2.7504% | 5,165 |
| Loan and lease loss provision to assets | 0.1368% | 6,275 |
| Net operating income to assets | 1.1672% | 1,339 |
| Return on assets (ROA) | 1.1833% | 1,335 |
| Pretax return on assets | 1.1887% | 1,986 |
| Return on Equity (ROE) | 12.9553% | 969 |
| Retained earnings to average equity (ytd only) | -0.4113% | 5,065 |
| Net charge-offs to loans | 0.2722% | 4,916 |
| Credit loss provision to net charge-offs | 91.0714% | 5,968 |
| Earnings coverage of net charge-offs (x) | 8.7143% | 1,907 |
| Efficiency ratio | 67.7462% | 5,053 |
| Assets per employee ($millions) | 3.4711% | 5,076 |
| Cash dividends to net income (ytd only)* | 103.1746% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 6,267 |
| Loan loss allowance to noncurrent loans | 99.5392% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.6679% | 5,797 |
| Noncurrent loans to loans | 1.0252% | 5,263 |
| Net loans and leases to total assets | 54.8714% | 6,096 |
| Net loans and leases to deposits | 60.5398% | 6,595 |
| Net loans and leases to core deposits | 69.7321% | 6,793 |
| Total domestic deposits to total assets | 90.6369% | 681 |
| Equity capital to assets | 8.8628% | 5,336 |
| Core capital (leverage) ratio | 8.7398% | 4,858 |
| Tier 1 risk-based capital ratio | 14.7223% | 3,089 |
| Total risk-based capital ratio | 15.6889% | 3,192 |
| Memoranda: | ||
| Average total assets | $37,267,800 | 7,201 |
| Average earning assets | $32,972,200 | 7,228 |
| Average equity | $3,404,000 | 7,473 |
| Average total loans | $20,576,400 | 7,163 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1310% | 6,168 |
| Cost of funding earning assets | 1.2495% | 6,731 |
| Net interest margin | 3.8815% | 3,300 |
| Noninterest income to average assets | 0.6335% | 3,470 |
| Noninterest expense to average assets | 2.7574% | 5,077 |
| Loan and lease loss provision to assets | 0.1296% | 6,056 |
| Net operating income to assets | 1.2095% | 1,445 |
| Return on assets (ROA) | 1.2311% | 1,456 |
| Pretax return on assets | 1.2347% | 2,150 |
| Return on Equity (ROE) | 13.3761% | 1,035 |
| Retained earnings to average equity (ytd only) | -0.8214% | 5,444 |
| Net charge-offs to loans | 0.3264% | 4,005 |
| Credit loss provision to net charge-offs | 72.0000% | 5,943 |
| Earnings coverage of net charge-offs (x) | 7.4594% | 2,401 |
| Efficiency ratio | 67.2520% | 5,128 |
| Assets per employee ($millions) | 3.2976% | 5,409 |
| Cash dividends to net income (ytd only)* | 106.1405% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 6,283 |
| Loan loss allowance to noncurrent loans | 52.1411% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 1.2185% | 4,633 |
| Noncurrent loans to loans | 1.9195% | 3,746 |
| Net loans and leases to total assets | 56.4481% | 6,096 |
| Net loans and leases to deposits | 62.7098% | 6,609 |
| Net loans and leases to core deposits | 71.6821% | 6,866 |
| Total domestic deposits to total assets | 90.0149% | 760 |
| Equity capital to assets | 9.3538% | 4,950 |
| Core capital (leverage) ratio | 8.9448% | 4,740 |
| Tier 1 risk-based capital ratio | 15.3879% | 2,871 |
| Total risk-based capital ratio | 16.3581% | 2,932 |
| Memoranda: | ||
| Average total assets | $37,039,250 | 7,273 |
| Average earning assets | $33,079,250 | 7,285 |
| Average equity | $3,409,000 | 7,543 |
| Average total loans | $20,428,750 | 7,236 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1756% | 6,163 |
| Cost of funding earning assets | 1.2999% | 6,808 |
| Net interest margin | 3.8757% | 3,227 |
| Noninterest income to average assets | 0.6006% | 3,687 |
| Noninterest expense to average assets | 2.6706% | 5,490 |
| Loan and lease loss provision to assets | 0.1126% | 6,020 |
| Net operating income to assets | 1.2656% | 1,315 |
| Return on assets (ROA) | 1.2978% | 1,319 |
| Pretax return on assets | 1.3031% | 2,016 |
| Return on Equity (ROE) | 14.1755% | 965 |
| Retained earnings to average equity (ytd only) | -0.0586% | 5,232 |
| Net charge-offs to loans | 0.4817% | 2,904 |
| Credit loss provision to net charge-offs | 42.8571% | 5,862 |
| Earnings coverage of net charge-offs (x) | 5.2653% | 2,872 |
| Efficiency ratio | 65.8730% | 5,568 |
| Assets per employee ($millions) | 3.1758% | 5,638 |
| Cash dividends to net income (ytd only)* | 100.4132% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9741% | 6,425 |
| Loan loss allowance to noncurrent loans | 40.2923% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 1.3750% | 4,210 |
| Noncurrent loans to loans | 2.4175% | 2,996 |
| Net loans and leases to total assets | 51.4865% | 6,742 |
| Net loans and leases to deposits | 56.8543% | 7,102 |
| Net loans and leases to core deposits | 64.5534% | 7,271 |
| Total domestic deposits to total assets | 90.5587% | 608 |
| Equity capital to assets | 8.8798% | 5,480 |
| Core capital (leverage) ratio | 8.9988% | 4,632 |
| Tier 1 risk-based capital ratio | 15.5633% | 2,792 |
| Total risk-based capital ratio | 16.4727% | 2,858 |
| Memoranda: | ||
| Average total assets | $37,294,330 | 7,323 |
| Average earning assets | $33,232,670 | 7,349 |
| Average equity | $3,414,330 | 7,600 |
| Average total loans | $20,344,000 | 7,304 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3078% | 5,864 |
| Cost of funding earning assets | 1.3209% | 6,959 |
| Net interest margin | 3.9869% | 2,697 |
| Noninterest income to average assets | 0.6398% | 3,273 |
| Noninterest expense to average assets | 2.7435% | 4,815 |
| Loan and lease loss provision to assets | 0.0651% | 6,135 |
| Net operating income to assets | 1.4314% | 1,076 |
| Return on assets (ROA) | 1.4965% | 1,014 |
| Pretax return on assets | 1.4965% | 1,675 |
| Return on Equity (ROE) | 16.0956% | 805 |
| Retained earnings to average equity (ytd only) | 0.5832% | 5,426 |
| Net charge-offs to loans | 0.9899% | 1,360 |
| Credit loss provision to net charge-offs | 11.7647% | 5,175 |
| Earnings coverage of net charge-offs (x) | 2.7059% | 3,407 |
| Efficiency ratio | 64.7059% | 5,562 |
| Assets per employee ($millions) | 3.2906% | 5,339 |
| Cash dividends to net income (ytd only)* | 96.3768% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8788% | 6,832 |
| Loan loss allowance to noncurrent loans | 38.6813% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 1.5195% | 3,657 |
| Noncurrent loans to loans | 2.2718% | 2,898 |
| Net loans and leases to total assets | 54.8443% | 6,376 |
| Net loans and leases to deposits | 60.9518% | 6,818 |
| Net loans and leases to core deposits | 70.4746% | 6,995 |
| Total domestic deposits to total assets | 89.9798% | 813 |
| Equity capital to assets | 9.4676% | 4,714 |
| Core capital (leverage) ratio | 8.9923% | 4,726 |
| Tier 1 risk-based capital ratio | 15.4083% | 2,890 |
| Total risk-based capital ratio | 16.2280% | 3,011 |
| Memoranda: | ||
| Average total assets | $36,887,000 | 7,385 |
| Average earning assets | $33,309,500 | 7,392 |
| Average equity | $3,429,500 | 7,647 |
| Average total loans | $20,609,000 | 7,327 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0539% | 5,278 |
| Cost of funding earning assets | 2.1385% | 5,884 |
| Net interest margin | 3.9154% | 3,496 |
| Noninterest income to average assets | 0.6687% | 3,343 |
| Noninterest expense to average assets | 2.6830% | 5,331 |
| Loan and lease loss provision to assets | 0.0652% | 6,573 |
| Net operating income to assets | 1.3374% | 1,379 |
| Return on assets (ROA) | 1.3483% | 1,309 |
| Pretax return on assets | 1.3456% | 2,149 |
| Return on Equity (ROE) | 15.0787% | 913 |
| Retained earnings to average equity (ytd only) | 0.1824% | 5,123 |
| Net charge-offs to loans | 0.0576% | 5,949 |
| Credit loss provision to net charge-offs | 200.0000% | 2,433 |
| Earnings coverage of net charge-offs (x) | 42.9167% | 860 |
| Efficiency ratio | 65.7124% | 5,189 |
| Assets per employee ($millions) | 3.1314% | 5,680 |
| Cash dividends to net income (ytd only)* | 98.7903% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 5,692 |
| Loan loss allowance to noncurrent loans | 29.9864% | 6,708 |
| Noncurrent assets plus other real estate owned to assets | 2.0811% | 2,366 |
| Noncurrent loans to loans | 3.4781% | 1,456 |
| Net loans and leases to total assets | 55.8028% | 6,460 |
| Net loans and leases to deposits | 62.9057% | 6,881 |
| Net loans and leases to core deposits | 72.4768% | 7,045 |
| Total domestic deposits to total assets | 88.7085% | 1,150 |
| Equity capital to assets | 9.1332% | 5,177 |
| Core capital (leverage) ratio | 8.7606% | 5,098 |
| Tier 1 risk-based capital ratio | 14.7845% | 3,155 |
| Total risk-based capital ratio | 15.7737% | 3,204 |
| Memoranda: | ||
| Average total assets | $36,786,800 | 7,354 |
| Average earning assets | $32,078,600 | 7,404 |
| Average equity | $3,289,400 | 7,749 |
| Average total loans | $20,817,400 | 7,275 |