Home > Commercial Bank > Performance and Condition Ratios
Commercial 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 | 4.4714% | 6,847 |
| Cost of funding earning assets | 1.4994% | 3,560 |
| Net interest margin | 2.9720% | 6,893 |
| Noninterest income to average assets | 0.4489% | 4,480 |
| Noninterest expense to average assets | 1.9123% | 7,314 |
| Loan and lease loss provision to assets | -0.3012% | 7,890 |
| Net operating income to assets | 3.0459% | 93 |
| Return on assets (ROA) | 3.0459% | 98 |
| Pretax return on assets | 1.6758% | 1,103 |
| Return on Equity (ROE) | 38.5679% | 40 |
| Retained earnings to average equity (ytd only) | 38.5679% | 31 |
| Net charge-offs to loans | 0.9785% | 1,672 |
| Credit loss provision to net charge-offs | -42.7975% | 6,001 |
| Earnings coverage of net charge-offs (x) | 1.9530% | 3,561 |
| Efficiency ratio | 58.1806% | 6,462 |
| Assets per employee ($millions) | 7.5204% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2442% | 1,671 |
| Loan loss allowance to noncurrent loans | 125.4042% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 1.4401% | 4,346 |
| Noncurrent loans to loans | 1.7896% | 4,062 |
| Net loans and leases to total assets | 71.8871% | 2,475 |
| Net loans and leases to deposits | 86.9075% | 2,421 |
| Net loans and leases to core deposits | 149.3062% | 248 |
| Total domestic deposits to total assets | 82.7168% | 4,750 |
| Equity capital to assets | 8.5795% | 5,900 |
| Core capital (leverage) ratio | 8.0546% | 6,156 |
| Tier 1 risk-based capital ratio | 10.9817% | 6,177 |
| Total risk-based capital ratio | 12.2414% | 6,133 |
| Memoranda: | ||
| Average total assets | $544,468,000 | 1,283 |
| Average earning assets | $519,926,000 | 1,219 |
| Average equity | $42,999,500 | 1,555 |
| Average total loans | $391,623,500 | 1,208 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7250% | 7,098 |
| Cost of funding earning assets | 1.8200% | 3,884 |
| Net interest margin | 2.9050% | 6,859 |
| Noninterest income to average assets | -0.3448% | 7,903 |
| Noninterest expense to average assets | 1.7860% | 7,624 |
| Loan and lease loss provision to assets | 5.5804% | 141 |
| Net operating income to assets | -3.9220% | 7,589 |
| Return on assets (ROA) | -3.9050% | 7,586 |
| Pretax return on assets | -4.9291% | 7,694 |
| Return on Equity (ROE) | -49.1843% | 7,677 |
| Retained earnings to average equity (ytd only) | -49.1843% | 7,670 |
| Net charge-offs to loans | 5.9161% | 177 |
| Credit loss provision to net charge-offs | 115.8118% | 4,697 |
| Earnings coverage of net charge-offs (x) | 0.1307% | 6,030 |
| Efficiency ratio | 73.9313% | 3,911 |
| Assets per employee ($millions) | 8.1522% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5386% | 1,179 |
| Loan loss allowance to noncurrent loans | 119.2600% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 1.5570% | 4,040 |
| Noncurrent loans to loans | 2.1286% | 3,483 |
| Net loans and leases to total assets | 68.6335% | 3,561 |
| Net loans and leases to deposits | 81.2275% | 3,753 |
| Net loans and leases to core deposits | 99.1963% | 4,092 |
| Total domestic deposits to total assets | 84.4954% | 3,797 |
| Equity capital to assets | 7.2593% | 7,229 |
| Core capital (leverage) ratio | 6.9324% | 7,296 |
| Tier 1 risk-based capital ratio | 9.3208% | 7,321 |
| Total risk-based capital ratio | 10.5843% | 7,296 |
| Memoranda: | ||
| Average total assets | $571,340,200 | 1,214 |
| Average earning assets | $542,916,800 | 1,160 |
| Average equity | $45,362,000 | 1,480 |
| Average total loans | $465,337,600 | 1,036 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7902% | 7,138 |
| Cost of funding earning assets | 1.8634% | 4,082 |
| Net interest margin | 2.9269% | 6,786 |
| Noninterest income to average assets | -0.6381% | 8,056 |
| Noninterest expense to average assets | 1.7093% | 7,756 |
| Loan and lease loss provision to assets | 4.2811% | 247 |
| Net operating income to assets | -2.3250% | 7,420 |
| Return on assets (ROA) | -2.3067% | 7,403 |
| Pretax return on assets | -3.8157% | 7,661 |
| Return on Equity (ROE) | -28.4560% | 7,571 |
| Retained earnings to average equity (ytd only) | -28.4560% | 7,560 |
| Net charge-offs to loans | 4.3490% | 302 |
| Credit loss provision to net charge-offs | 116.9790% | 4,348 |
| Earnings coverage of net charge-offs (x) | 0.1194% | 5,916 |
| Efficiency ratio | 79.6469% | 2,908 |
| Assets per employee ($millions) | 8.7985% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6592% | 918 |
| Loan loss allowance to noncurrent loans | 51.1021% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 4.1992% | 1,493 |
| Noncurrent loans to loans | 5.2038% | 1,235 |
| Net loans and leases to total assets | 75.2059% | 2,190 |
| Net loans and leases to deposits | 88.9278% | 2,796 |
| Net loans and leases to core deposits | 111.0770% | 3,119 |
| Total domestic deposits to total assets | 84.5697% | 3,445 |
| Equity capital to assets | 7.5652% | 7,250 |
| Core capital (leverage) ratio | 7.7477% | 6,669 |
| Tier 1 risk-based capital ratio | 9.1970% | 7,540 |
| Total risk-based capital ratio | 10.4620% | 7,529 |
| Memoranda: | ||
| Average total assets | $573,549,000 | 1,219 |
| Average earning assets | $545,595,250 | 1,170 |
| Average equity | $46,494,000 | 1,473 |
| Average total loans | $482,641,250 | 1,018 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9107% | 7,010 |
| Cost of funding earning assets | 1.9091% | 4,217 |
| Net interest margin | 3.0015% | 6,548 |
| Noninterest income to average assets | -0.6391% | 8,137 |
| Noninterest expense to average assets | 1.7270% | 7,808 |
| Loan and lease loss provision to assets | 3.1901% | 462 |
| Net operating income to assets | -1.6235% | 7,300 |
| Return on assets (ROA) | -1.6235% | 7,299 |
| Pretax return on assets | -2.7057% | 7,474 |
| Return on Equity (ROE) | -19.5576% | 7,488 |
| Retained earnings to average equity (ytd only) | -19.5576% | 7,439 |
| Net charge-offs to loans | 3.1254% | 524 |
| Credit loss provision to net charge-offs | 117.8248% | 3,940 |
| Earnings coverage of net charge-offs (x) | 0.1789% | 5,493 |
| Efficiency ratio | 78.0959% | 3,335 |
| Assets per employee ($millions) | 7.7097% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2902% | 1,112 |
| Loan loss allowance to noncurrent loans | 63.7179% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 3.8543% | 1,572 |
| Noncurrent loans to loans | 3.5943% | 1,946 |
| Net loans and leases to total assets | 84.5760% | 548 |
| Net loans and leases to deposits | 99.3884% | 1,345 |
| Net loans and leases to core deposits | 126.1620% | 1,856 |
| Total domestic deposits to total assets | 85.0964% | 3,221 |
| Equity capital to assets | 8.1037% | 6,624 |
| Core capital (leverage) ratio | 8.0727% | 6,211 |
| Tier 1 risk-based capital ratio | 8.9506% | 7,722 |
| Total risk-based capital ratio | 10.2132% | 7,736 |
| Memoranda: | ||
| Average total assets | $562,366,330 | 1,264 |
| Average earning assets | $534,059,670 | 1,211 |
| Average equity | $46,682,670 | 1,478 |
| Average total loans | $487,173,000 | 1,027 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9240% | 7,117 |
| Cost of funding earning assets | 1.9558% | 4,351 |
| Net interest margin | 2.9682% | 6,561 |
| Noninterest income to average assets | -0.2320% | 8,169 |
| Noninterest expense to average assets | 1.5583% | 7,937 |
| Loan and lease loss provision to assets | 4.9297% | 166 |
| Net operating income to assets | -2.3560% | 7,736 |
| Return on assets (ROA) | -2.3560% | 7,737 |
| Pretax return on assets | -3.9036% | 7,890 |
| Return on Equity (ROE) | -28.0474% | 7,885 |
| Retained earnings to average equity (ytd only) | -28.0474% | 7,828 |
| Net charge-offs to loans | 4.9690% | 218 |
| Credit loss provision to net charge-offs | 114.4746% | 3,398 |
| Earnings coverage of net charge-offs (x) | 0.2383% | 4,790 |
| Efficiency ratio | 60.2974% | 6,355 |
| Assets per employee ($millions) | 7.4255% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2444% | 1,026 |
| Loan loss allowance to noncurrent loans | 86.8320% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 3.2944% | 1,667 |
| Noncurrent loans to loans | 2.5848% | 2,552 |
| Net loans and leases to total assets | 84.6224% | 604 |
| Net loans and leases to deposits | 104.1297% | 1,004 |
| Net loans and leases to core deposits | 139.0751% | 1,147 |
| Total domestic deposits to total assets | 81.2663% | 4,857 |
| Equity capital to assets | 8.4412% | 6,161 |
| Core capital (leverage) ratio | 7.9960% | 6,453 |
| Tier 1 risk-based capital ratio | 8.9432% | 7,822 |
| Total risk-based capital ratio | 10.2044% | 7,856 |
| Memoranda: | ||
| Average total assets | $562,147,000 | 1,268 |
| Average earning assets | $533,387,000 | 1,216 |
| Average equity | $47,220,000 | 1,459 |
| Average total loans | $487,182,000 | 1,038 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9677% | 5,711 |
| Cost of funding earning assets | 2.5066% | 4,176 |
| Net interest margin | 3.4611% | 5,435 |
| Noninterest income to average assets | 0.4665% | 4,913 |
| Noninterest expense to average assets | 1.5446% | 8,012 |
| Loan and lease loss provision to assets | 1.9955% | 601 |
| Net operating income to assets | 0.1936% | 5,868 |
| Return on assets (ROA) | 0.1936% | 5,685 |
| Pretax return on assets | 0.2215% | 5,683 |
| Return on Equity (ROE) | 2.2479% | 5,523 |
| Retained earnings to average equity (ytd only) | -5.6831% | 6,619 |
| Net charge-offs to loans | 1.9776% | 546 |
| Credit loss provision to net charge-offs | 116.4251% | 4,632 |
| Earnings coverage of net charge-offs (x) | 1.2935% | 5,482 |
| Efficiency ratio | 41.0616% | 8,104 |
| Assets per employee ($millions) | 7.4650% | 576 |
| Cash dividends to net income (ytd only)* | 352.8163% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9651% | 1,294 |
| Loan loss allowance to noncurrent loans | 85.9498% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 2.8909% | 1,608 |
| Noncurrent loans to loans | 2.2863% | 2,418 |
| Net loans and leases to total assets | 85.0545% | 730 |
| Net loans and leases to deposits | 103.7927% | 1,363 |
| Net loans and leases to core deposits | 137.3037% | 1,423 |
| Total domestic deposits to total assets | 81.9465% | 4,227 |
| Equity capital to assets | 8.3605% | 6,326 |
| Core capital (leverage) ratio | 8.2354% | 6,090 |
| Tier 1 risk-based capital ratio | 8.7967% | 7,910 |
| Total risk-based capital ratio | 10.0544% | 7,958 |
| Memoranda: | ||
| Average total assets | $559,445,600 | 1,211 |
| Average earning assets | $532,602,400 | 1,159 |
| Average equity | $48,178,200 | 1,424 |
| Average total loans | $484,868,800 | 987 |