Home > Central Bank, FSB > Performance and Condition Ratios
Central Bank, FSB, Performance and Condition Ratios
| 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 | 4.9359% | 4,853 |
| Cost of funding earning assets | 1.2905% | 3,942 |
| Net interest margin | 3.6454% | 4,595 |
| Noninterest income to average assets | 1.4181% | 724 |
| Noninterest expense to average assets | 2.9493% | 4,036 |
| Loan and lease loss provision to assets | 1.6611% | 860 |
| Net operating income to assets | 0.1795% | 5,339 |
| Return on assets (ROA) | 0.1795% | 5,507 |
| Pretax return on assets | 0.2152% | 5,454 |
| Return on Equity (ROE) | 1.8471% | 5,444 |
| Retained earnings to average equity (ytd only) | 1.8471% | 4,568 |
| Net charge-offs to loans | 1.9994% | 1,010 |
| Credit loss provision to net charge-offs | 98.0908% | 4,721 |
| Earnings coverage of net charge-offs (x) | 1.1080% | 5,004 |
| Efficiency ratio | 61.1182% | 5,874 |
| Assets per employee ($millions) | 5.9947% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 4,472 |
| Loan loss allowance to noncurrent loans | 38.6640% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 5.2599% | 1,185 |
| Noncurrent loans to loans | 3.6394% | 2,050 |
| Net loans and leases to total assets | 76.7388% | 1,137 |
| Net loans and leases to deposits | 91.1025% | 1,382 |
| Net loans and leases to core deposits | 107.4723% | 1,091 |
| Total domestic deposits to total assets | 84.2334% | 4,258 |
| Equity capital to assets | 9.1373% | 4,935 |
| Core capital (leverage) ratio | 9.1368% | 4,288 |
| Tier 1 risk-based capital ratio | 11.6947% | 5,733 |
| Total risk-based capital ratio | 12.9465% | 5,735 |
| Memoranda: | ||
| Average total assets | $179,398,800 | 3,388 |
| Average earning assets | $167,688,600 | 3,323 |
| Average equity | $17,432,600 | 3,512 |
| Average total loans | $151,949,200 | 2,740 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0555% | 4,568 |
| Cost of funding earning assets | 1.3078% | 4,166 |
| Net interest margin | 3.7478% | 4,196 |
| Noninterest income to average assets | 1.4158% | 676 |
| Noninterest expense to average assets | 2.8558% | 4,256 |
| Loan and lease loss provision to assets | 1.7342% | 725 |
| Net operating income to assets | 0.2458% | 5,368 |
| Return on assets (ROA) | 0.2458% | 5,521 |
| Pretax return on assets | 0.3305% | 5,423 |
| Return on Equity (ROE) | 2.4891% | 5,437 |
| Retained earnings to average equity (ytd only) | 2.4891% | 4,681 |
| Net charge-offs to loans | 2.0802% | 890 |
| Credit loss provision to net charge-offs | 96.3041% | 4,503 |
| Earnings coverage of net charge-offs (x) | 1.1466% | 4,915 |
| Efficiency ratio | 58.0387% | 6,269 |
| Assets per employee ($millions) | 5.5697% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 4,703 |
| Loan loss allowance to noncurrent loans | 28.6683% | 6,408 |
| Noncurrent assets plus other real estate owned to assets | 5.7111% | 1,067 |
| Noncurrent loans to loans | 4.7170% | 1,507 |
| Net loans and leases to total assets | 82.1965% | 473 |
| Net loans and leases to deposits | 98.1007% | 786 |
| Net loans and leases to core deposits | 117.9256% | 685 |
| Total domestic deposits to total assets | 83.7879% | 4,239 |
| Equity capital to assets | 9.5386% | 4,784 |
| Core capital (leverage) ratio | 9.5386% | 3,847 |
| Tier 1 risk-based capital ratio | 11.7170% | 5,714 |
| Total risk-based capital ratio | 12.9687% | 5,685 |
| Memoranda: | ||
| Average total assets | $176,291,000 | 3,477 |
| Average earning assets | $164,858,750 | 3,407 |
| Average equity | $17,408,750 | 3,573 |
| Average total loans | $152,609,250 | 2,768 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0390% | 4,750 |
| Cost of funding earning assets | 1.2982% | 4,552 |
| Net interest margin | 3.7408% | 4,181 |
| Noninterest income to average assets | 1.4224% | 627 |
| Noninterest expense to average assets | 2.8610% | 4,223 |
| Loan and lease loss provision to assets | 1.3614% | 995 |
| Net operating income to assets | 0.4845% | 4,394 |
| Return on assets (ROA) | 0.4845% | 4,553 |
| Pretax return on assets | 0.6986% | 4,245 |
| Return on Equity (ROE) | 4.8481% | 4,360 |
| Retained earnings to average equity (ytd only) | 4.8481% | 2,983 |
| Net charge-offs to loans | 1.2911% | 1,476 |
| Credit loss provision to net charge-offs | 120.2236% | 3,375 |
| Earnings coverage of net charge-offs (x) | 1.8191% | 4,158 |
| Efficiency ratio | 58.1384% | 6,359 |
| Assets per employee ($millions) | 5.5052% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 3,720 |
| Loan loss allowance to noncurrent loans | 38.7192% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 5.0356% | 1,274 |
| Noncurrent loans to loans | 3.9732% | 1,917 |
| Net loans and leases to total assets | 85.6681% | 248 |
| Net loans and leases to deposits | 100.5564% | 673 |
| Net loans and leases to core deposits | 121.4661% | 650 |
| Total domestic deposits to total assets | 85.1941% | 3,521 |
| Equity capital to assets | 10.0065% | 4,019 |
| Core capital (leverage) ratio | 10.0065% | 3,158 |
| Tier 1 risk-based capital ratio | 11.8116% | 5,482 |
| Total risk-based capital ratio | 13.0659% | 5,446 |
| Memoranda: | ||
| Average total assets | $173,787,670 | 3,538 |
| Average earning assets | $162,533,330 | 3,471 |
| Average equity | $17,367,670 | 3,575 |
| Average total loans | $152,429,330 | 2,792 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9811% | 5,105 |
| Cost of funding earning assets | 1.2787% | 4,938 |
| Net interest margin | 3.7023% | 4,231 |
| Noninterest income to average assets | 1.4392% | 581 |
| Noninterest expense to average assets | 2.8505% | 4,276 |
| Loan and lease loss provision to assets | 1.8679% | 603 |
| Net operating income to assets | 0.1483% | 5,862 |
| Return on assets (ROA) | 0.1483% | 5,989 |
| Pretax return on assets | 0.1831% | 5,931 |
| Return on Equity (ROE) | 1.4851% | 5,965 |
| Retained earnings to average equity (ytd only) | 1.4851% | 5,202 |
| Net charge-offs to loans | 1.7894% | 969 |
| Credit loss provision to net charge-offs | 118.5294% | 2,945 |
| Earnings coverage of net charge-offs (x) | 1.3015% | 3,972 |
| Efficiency ratio | 58.1560% | 6,469 |
| Assets per employee ($millions) | 5.1170% | 2,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 3,883 |
| Loan loss allowance to noncurrent loans | 35.6530% | 6,000 |
| Noncurrent assets plus other real estate owned to assets | 5.0799% | 1,255 |
| Noncurrent loans to loans | 4.2217% | 1,823 |
| Net loans and leases to total assets | 88.5498% | 107 |
| Net loans and leases to deposits | 105.6608% | 439 |
| Net loans and leases to core deposits | 126.6470% | 569 |
| Total domestic deposits to total assets | 83.8057% | 4,243 |
| Equity capital to assets | 10.2273% | 3,567 |
| Core capital (leverage) ratio | 10.2273% | 2,898 |
| Tier 1 risk-based capital ratio | 11.7465% | 5,449 |
| Total risk-based capital ratio | 13.0008% | 5,390 |
| Memoranda: | ||
| Average total assets | $172,598,500 | 3,618 |
| Average earning assets | $161,411,000 | 3,536 |
| Average equity | $17,237,500 | 3,616 |
| Average total loans | $152,006,000 | 2,857 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0571% | 6,234 |
| Cost of funding earning assets | 1.6063% | 4,999 |
| Net interest margin | 3.4508% | 5,165 |
| Noninterest income to average assets | 1.3208% | 861 |
| Noninterest expense to average assets | 3.1301% | 3,614 |
| Loan and lease loss provision to assets | 0.8924% | 2,515 |
| Net operating income to assets | 0.3829% | 4,192 |
| Return on assets (ROA) | 0.5057% | 3,802 |
| Pretax return on assets | 0.7339% | 3,463 |
| Return on Equity (ROE) | 5.3705% | 3,488 |
| Retained earnings to average equity (ytd only) | 5.3705% | 1,638 |
| Net charge-offs to loans | 1.2115% | 2,033 |
| Credit loss provision to net charge-offs | 85.6672% | 6,142 |
| Earnings coverage of net charge-offs (x) | 1.3904% | 4,747 |
| Efficiency ratio | 68.3658% | 4,949 |
| Assets per employee ($millions) | 4.8982% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4192% | 4,125 |
| Loan loss allowance to noncurrent loans | 33.5717% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 4.3587% | 1,493 |
| Noncurrent loans to loans | 4.2273% | 1,719 |
| Net loans and leases to total assets | 85.0880% | 342 |
| Net loans and leases to deposits | 106.8905% | 506 |
| Net loans and leases to core deposits | 158.6013% | 357 |
| Total domestic deposits to total assets | 79.6030% | 5,815 |
| Equity capital to assets | 9.7570% | 4,055 |
| Core capital (leverage) ratio | 9.7570% | 3,383 |
| Tier 1 risk-based capital ratio | 11.6554% | 5,245 |
| Total risk-based capital ratio | 12.9080% | 5,194 |
| Memoranda: | ||
| Average total assets | $174,818,600 | 3,519 |
| Average earning assets | $165,034,200 | 3,420 |
| Average equity | $16,460,200 | 3,786 |
| Average total loans | $150,312,800 | 2,908 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0637% | 6,404 |
| Cost of funding earning assets | 1.6752% | 5,034 |
| Net interest margin | 3.3884% | 5,320 |
| Noninterest income to average assets | 1.2191% | 1,035 |
| Noninterest expense to average assets | 3.2156% | 3,252 |
| Loan and lease loss provision to assets | 0.9447% | 2,036 |
| Net operating income to assets | 0.1764% | 5,231 |
| Return on assets (ROA) | 0.3333% | 4,767 |
| Pretax return on assets | 0.5029% | 4,512 |
| Return on Equity (ROE) | 3.5721% | 4,551 |
| Retained earnings to average equity (ytd only) | 3.5721% | 3,294 |
| Net charge-offs to loans | 0.6496% | 2,736 |
| Credit loss provision to net charge-offs | 169.3151% | 2,760 |
| Earnings coverage of net charge-offs (x) | 2.1685% | 4,202 |
| Efficiency ratio | 72.6598% | 4,113 |
| Assets per employee ($millions) | 4.7072% | 2,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9305% | 1,959 |
| Loan loss allowance to noncurrent loans | 66.2517% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 3.0615% | 2,247 |
| Noncurrent loans to loans | 2.9138% | 2,613 |
| Net loans and leases to total assets | 85.3759% | 400 |
| Net loans and leases to deposits | 118.3369% | 231 |
| Net loans and leases to core deposits | 192.5228% | 124 |
| Total domestic deposits to total assets | 72.1465% | 7,193 |
| Equity capital to assets | 9.6219% | 4,595 |
| Core capital (leverage) ratio | 9.6219% | 3,757 |
| Tier 1 risk-based capital ratio | 11.5205% | 5,408 |
| Total risk-based capital ratio | 12.7800% | 5,356 |
| Memoranda: | ||
| Average total assets | $174,439,500 | 3,545 |
| Average earning assets | $165,067,000 | 3,461 |
| Average equity | $16,274,000 | 3,858 |
| Average total loans | $149,841,000 | 2,955 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1011% | 6,435 |
| Cost of funding earning assets | 1.7307% | 5,121 |
| Net interest margin | 3.3704% | 5,285 |
| Noninterest income to average assets | 1.0439% | 1,449 |
| Noninterest expense to average assets | 3.2418% | 3,185 |
| Loan and lease loss provision to assets | 0.9637% | 1,753 |
| Net operating income to assets | 0.0155% | 5,793 |
| Return on assets (ROA) | 0.2578% | 5,155 |
| Pretax return on assets | 0.3816% | 4,988 |
| Return on Equity (ROE) | 2.7928% | 4,980 |
| Retained earnings to average equity (ytd only) | 2.7928% | 3,771 |
| Net charge-offs to loans | 0.5240% | 2,752 |
| Credit loss provision to net charge-offs | 215.0895% | 2,135 |
| Earnings coverage of net charge-offs (x) | 2.2072% | 3,962 |
| Efficiency ratio | 76.6251% | 3,577 |
| Assets per employee ($millions) | 4.6900% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9001% | 1,793 |
| Loan loss allowance to noncurrent loans | 76.1816% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 2.4238% | 2,668 |
| Noncurrent loans to loans | 2.4941% | 2,906 |
| Net loans and leases to total assets | 85.3610% | 456 |
| Net loans and leases to deposits | 105.5299% | 796 |
| Net loans and leases to core deposits | 171.8590% | 302 |
| Total domestic deposits to total assets | 80.8880% | 5,116 |
| Equity capital to assets | 9.5350% | 4,564 |
| Core capital (leverage) ratio | 9.5350% | 3,835 |
| Tier 1 risk-based capital ratio | 11.6457% | 5,246 |
| Total risk-based capital ratio | 12.9049% | 5,167 |
| Memoranda: | ||
| Average total assets | $174,531,000 | 3,565 |
| Average earning assets | $165,022,670 | 3,472 |
| Average equity | $16,112,670 | 3,894 |
| Average total loans | $149,247,330 | 2,999 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1095% | 6,616 |
| Cost of funding earning assets | 1.7233% | 5,506 |
| Net interest margin | 3.3862% | 5,187 |
| Noninterest income to average assets | 0.9530% | 1,628 |
| Noninterest expense to average assets | 2.9777% | 3,860 |
| Loan and lease loss provision to assets | 0.9050% | 1,448 |
| Net operating income to assets | 0.1859% | 5,699 |
| Return on assets (ROA) | 0.3199% | 5,384 |
| Pretax return on assets | 0.4616% | 5,202 |
| Return on Equity (ROE) | 3.5229% | 5,158 |
| Retained earnings to average equity (ytd only) | 3.5229% | 3,933 |
| Net charge-offs to loans | 0.4799% | 2,250 |
| Credit loss provision to net charge-offs | 222.4719% | 2,035 |
| Earnings coverage of net charge-offs (x) | 2.8820% | 3,347 |
| Efficiency ratio | 71.7511% | 4,232 |
| Assets per employee ($millions) | 4.5760% | 2,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7805% | 1,898 |
| Loan loss allowance to noncurrent loans | 57.7530% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 3.1721% | 1,759 |
| Noncurrent loans to loans | 3.0829% | 2,101 |
| Net loans and leases to total assets | 83.6568% | 739 |
| Net loans and leases to deposits | 106.9766% | 791 |
| Net loans and leases to core deposits | 175.6205% | 284 |
| Total domestic deposits to total assets | 78.2010% | 5,943 |
| Equity capital to assets | 9.4658% | 4,718 |
| Core capital (leverage) ratio | 9.4658% | 4,025 |
| Tier 1 risk-based capital ratio | 11.6937% | 5,211 |
| Total risk-based capital ratio | 12.9511% | 5,126 |
| Memoranda: | ||
| Average total assets | $175,031,500 | 3,577 |
| Average earning assets | $165,261,000 | 3,487 |
| Average equity | $15,896,000 | 3,963 |
| Average total loans | $148,373,000 | 3,031 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1179% | 4,948 |
| Cost of funding earning assets | 2.2233% | 5,490 |
| Net interest margin | 3.8946% | 3,587 |
| Noninterest income to average assets | 1.0935% | 1,317 |
| Noninterest expense to average assets | 2.8996% | 4,450 |
| Loan and lease loss provision to assets | 0.5063% | 2,783 |
| Net operating income to assets | 0.8886% | 3,044 |
| Return on assets (ROA) | 0.9833% | 2,502 |
| Pretax return on assets | 1.4990% | 1,688 |
| Return on Equity (ROE) | 11.2848% | 1,820 |
| Retained earnings to average equity (ytd only) | 4.4789% | 2,341 |
| Net charge-offs to loans | 0.4897% | 2,402 |
| Credit loss provision to net charge-offs | 127.8107% | 4,175 |
| Earnings coverage of net charge-offs (x) | 4.6997% | 3,897 |
| Efficiency ratio | 60.8985% | 6,180 |
| Assets per employee ($millions) | 4.5173% | 2,587 |
| Cash dividends to net income (ytd only)* | 60.3099% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 2,131 |
| Loan loss allowance to noncurrent loans | 98.4127% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.9186% | 2,558 |
| Noncurrent loans to loans | 1.6530% | 3,293 |
| Net loans and leases to total assets | 82.9981% | 1,048 |
| Net loans and leases to deposits | 109.9472% | 837 |
| Net loans and leases to core deposits | 172.7319% | 362 |
| Total domestic deposits to total assets | 75.4890% | 6,343 |
| Equity capital to assets | 8.7028% | 5,806 |
| Core capital (leverage) ratio | 8.6969% | 5,203 |
| Tier 1 risk-based capital ratio | 10.8016% | 5,915 |
| Total risk-based capital ratio | 12.0573% | 5,809 |
| Memoranda: | ||
| Average total assets | $170,644,200 | 3,545 |
| Average earning assets | $160,708,600 | 3,459 |
| Average equity | $14,869,600 | 4,169 |
| Average total loans | $138,042,400 | 3,129 |