Home > Community Bank, Austin > Performance and Condition Ratios
Community Bank, Austin, Performance and Condition Ratios
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6270% | 551 |
| Cost of funding earning assets | 0.4861% | 5,718 |
| Net interest margin | 5.1409% | 319 |
| Noninterest income to average assets | 0.7221% | 2,545 |
| Noninterest expense to average assets | 4.1984% | 728 |
| Loan and lease loss provision to assets | 0.2321% | 2,754 |
| Net operating income to assets | 0.4797% | 4,909 |
| Return on assets (ROA) | 0.4797% | 5,158 |
| Pretax return on assets | 0.6550% | 4,958 |
| Return on Equity (ROE) | 4.3273% | 5,121 |
| Retained earnings to average equity (ytd only) | 4.3273% | 3,737 |
| Net charge-offs to loans | 0.3312% | 2,702 |
| Credit loss provision to net charge-offs | 91.8367% | 2,980 |
| Earnings coverage of net charge-offs (x) | 3.5102% | 3,347 |
| Efficiency ratio | 82.5558% | 1,808 |
| Assets per employee ($millions) | 3.0315% | 6,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 4,542 |
| Loan loss allowance to noncurrent loans | 422.0000% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.8196% | 4,762 |
| Noncurrent loans to loans | 0.3264% | 5,900 |
| Net loans and leases to total assets | 76.6779% | 881 |
| Net loans and leases to deposits | 86.4087% | 1,548 |
| Net loans and leases to core deposits | 86.4087% | 2,374 |
| Total domestic deposits to total assets | 88.7386% | 1,679 |
| Equity capital to assets | 11.0533% | 3,059 |
| Core capital (leverage) ratio | 8.3092% | 5,897 |
| Tier 1 risk-based capital ratio | 10.4436% | 6,719 |
| Total risk-based capital ratio | 11.6377% | 6,717 |
| Memoranda: | ||
| Average total assets | $38,776,330 | 6,667 |
| Average earning assets | $32,912,670 | 6,713 |
| Average equity | $4,298,330 | 6,599 |
| Average total loans | $29,590,670 | 6,085 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4637% | 804 |
| Cost of funding earning assets | 0.5023% | 5,803 |
| Net interest margin | 4.9614% | 423 |
| Noninterest income to average assets | 0.7072% | 2,628 |
| Noninterest expense to average assets | 4.3474% | 629 |
| Loan and lease loss provision to assets | 0.2392% | 2,554 |
| Net operating income to assets | 0.2704% | 5,746 |
| Return on assets (ROA) | 0.2704% | 5,910 |
| Pretax return on assets | 0.3328% | 5,902 |
| Return on Equity (ROE) | 2.4359% | 5,927 |
| Retained earnings to average equity (ytd only) | 2.4359% | 5,043 |
| Net charge-offs to loans | 0.2477% | 2,690 |
| Credit loss provision to net charge-offs | 127.7778% | 1,893 |
| Earnings coverage of net charge-offs (x) | 3.0556% | 2,976 |
| Efficiency ratio | 88.3721% | 1,235 |
| Assets per employee ($millions) | 3.2411% | 5,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 4,175 |
| Loan loss allowance to noncurrent loans | 845.0980% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.7045% | 5,141 |
| Noncurrent loans to loans | 0.1771% | 6,329 |
| Net loans and leases to total assets | 72.9514% | 1,233 |
| Net loans and leases to deposits | 82.1763% | 1,915 |
| Net loans and leases to core deposits | 82.9159% | 2,703 |
| Total domestic deposits to total assets | 88.7743% | 1,833 |
| Equity capital to assets | 11.0123% | 2,894 |
| Core capital (leverage) ratio | 8.2128% | 6,008 |
| Tier 1 risk-based capital ratio | 10.5174% | 6,733 |
| Total risk-based capital ratio | 11.7022% | 6,747 |
| Memoranda: | ||
| Average total assets | $38,460,000 | 6,724 |
| Average earning assets | $32,652,000 | 6,776 |
| Average equity | $4,269,500 | 6,642 |
| Average total loans | $29,066,000 | 6,161 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7766% | 671 |
| Cost of funding earning assets | 0.5877% | 6,150 |
| Net interest margin | 5.1889% | 292 |
| Noninterest income to average assets | 0.5256% | 3,677 |
| Noninterest expense to average assets | 4.4477% | 612 |
| Loan and lease loss provision to assets | 0.5032% | 2,091 |
| Net operating income to assets | 3.6789% | 57 |
| Return on assets (ROA) | 3.6789% | 59 |
| Pretax return on assets | -0.0811% | 6,200 |
| Return on Equity (ROE) | 45.3887% | 12 |
| Retained earnings to average equity (ytd only) | 45.3887% | 5 |
| Net charge-offs to loans | 0.6031% | 2,641 |
| Credit loss provision to net charge-offs | 116.1290% | 2,794 |
| Earnings coverage of net charge-offs (x) | 0.9742% | 5,069 |
| Efficiency ratio | 91.3318% | 1,092 |
| Assets per employee ($millions) | 3.1689% | 5,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 4,221 |
| Loan loss allowance to noncurrent loans | 4,733.3333% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.6101% | 5,434 |
| Noncurrent loans to loans | 0.0307% | 6,748 |
| Net loans and leases to total assets | 76.0039% | 951 |
| Net loans and leases to deposits | 89.6464% | 1,197 |
| Net loans and leases to core deposits | 90.5111% | 2,050 |
| Total domestic deposits to total assets | 84.7819% | 3,969 |
| Equity capital to assets | 11.1920% | 2,805 |
| Core capital (leverage) ratio | 8.6110% | 5,375 |
| Tier 1 risk-based capital ratio | 10.2868% | 6,774 |
| Total risk-based capital ratio | 11.4649% | 6,776 |
| Memoranda: | ||
| Average total assets | $35,771,400 | 6,804 |
| Average earning assets | $29,948,400 | 6,873 |
| Average equity | $2,899,400 | 7,030 |
| Average total loans | $25,700,800 | 6,376 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7070% | 840 |
| Cost of funding earning assets | 0.6084% | 6,252 |
| Net interest margin | 5.0986% | 340 |
| Noninterest income to average assets | 0.8937% | 1,675 |
| Noninterest expense to average assets | 4.5444% | 560 |
| Loan and lease loss provision to assets | 0.5983% | 1,647 |
| Net operating income to assets | 0.0038% | 6,151 |
| Return on assets (ROA) | 0.0038% | 6,251 |
| Pretax return on assets | 0.0038% | 6,226 |
| Return on Equity (ROE) | 0.0519% | 6,247 |
| Retained earnings to average equity (ytd only) | 0.0519% | 5,939 |
| Net charge-offs to loans | 0.5861% | 2,498 |
| Credit loss provision to net charge-offs | 144.9541% | 2,184 |
| Earnings coverage of net charge-offs (x) | 1.4587% | 4,538 |
| Efficiency ratio | 88.3002% | 1,320 |
| Assets per employee ($millions) | 3.0357% | 6,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 3,605 |
| Loan loss allowance to noncurrent loans | 55.6931% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 3.6565% | 1,715 |
| Noncurrent loans to loans | 2.8939% | 2,412 |
| Net loans and leases to total assets | 75.4118% | 1,073 |
| Net loans and leases to deposits | 82.5054% | 2,258 |
| Net loans and leases to core deposits | 83.2757% | 3,148 |
| Total domestic deposits to total assets | 91.4022% | 319 |
| Equity capital to assets | 8.0762% | 6,647 |
| Core capital (leverage) ratio | 8.2215% | 6,109 |
| Tier 1 risk-based capital ratio | 10.2875% | 6,862 |
| Total risk-based capital ratio | 11.4616% | 6,879 |
| Memoranda: | ||
| Average total assets | $35,207,500 | 6,888 |
| Average earning assets | $29,366,750 | 6,952 |
| Average equity | $2,560,250 | 7,175 |
| Average total loans | $24,794,000 | 6,491 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5495% | 1,185 |
| Cost of funding earning assets | 0.6275% | 6,329 |
| Net interest margin | 4.9220% | 464 |
| Noninterest income to average assets | 0.8621% | 1,765 |
| Noninterest expense to average assets | 4.6378% | 517 |
| Loan and lease loss provision to assets | 0.7011% | 1,350 |
| Net operating income to assets | -0.4195% | 6,626 |
| Return on assets (ROA) | -0.4195% | 6,653 |
| Pretax return on assets | -0.4195% | 6,602 |
| Return on Equity (ROE) | -6.0008% | 6,776 |
| Retained earnings to average equity (ytd only) | -6.0008% | 6,653 |
| Net charge-offs to loans | 0.6905% | 2,117 |
| Credit loss provision to net charge-offs | 148.7805% | 2,058 |
| Earnings coverage of net charge-offs (x) | 0.5976% | 4,849 |
| Efficiency ratio | 94.2757% | 960 |
| Assets per employee ($millions) | 2.9054% | 6,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8020% | 2,986 |
| Loan loss allowance to noncurrent loans | 51.8214% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 4.2679% | 1,489 |
| Noncurrent loans to loans | 3.4773% | 2,032 |
| Net loans and leases to total assets | 68.9287% | 2,430 |
| Net loans and leases to deposits | 74.4440% | 3,726 |
| Net loans and leases to core deposits | 75.1611% | 4,414 |
| Total domestic deposits to total assets | 92.5914% | 156 |
| Equity capital to assets | 6.9439% | 7,114 |
| Core capital (leverage) ratio | 6.8054% | 7,054 |
| Tier 1 risk-based capital ratio | 9.3501% | 7,132 |
| Total risk-based capital ratio | 10.5189% | 7,141 |
| Memoranda: | ||
| Average total assets | $34,800,670 | 6,967 |
| Average earning assets | $28,687,330 | 7,041 |
| Average equity | $2,433,000 | 7,262 |
| Average total loans | $23,751,670 | 6,606 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5049% | 1,282 |
| Cost of funding earning assets | 0.6224% | 6,509 |
| Net interest margin | 4.8825% | 481 |
| Noninterest income to average assets | 0.9894% | 1,358 |
| Noninterest expense to average assets | 4.9010% | 398 |
| Loan and lease loss provision to assets | 1.0239% | 738 |
| Net operating income to assets | -0.8744% | 6,995 |
| Return on assets (ROA) | -0.8744% | 6,998 |
| Pretax return on assets | -0.8744% | 6,950 |
| Return on Equity (ROE) | -12.4641% | 7,088 |
| Retained earnings to average equity (ytd only) | -12.4641% | 6,958 |
| Net charge-offs to loans | 0.9576% | 1,397 |
| Credit loss provision to net charge-offs | 158.9286% | 1,807 |
| Earnings coverage of net charge-offs (x) | 0.2321% | 4,441 |
| Efficiency ratio | 97.0387% | 873 |
| Assets per employee ($millions) | 2.6897% | 6,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9276% | 2,603 |
| Loan loss allowance to noncurrent loans | 45.8289% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 4.5816% | 1,411 |
| Noncurrent loans to loans | 4.2061% | 1,697 |
| Net loans and leases to total assets | 63.1499% | 3,615 |
| Net loans and leases to deposits | 68.0861% | 4,671 |
| Net loans and leases to core deposits | 68.7796% | 5,193 |
| Total domestic deposits to total assets | 92.7501% | 157 |
| Equity capital to assets | 6.8667% | 7,127 |
| Core capital (leverage) ratio | 6.7759% | 7,087 |
| Tier 1 risk-based capital ratio | 9.8572% | 7,050 |
| Total risk-based capital ratio | 11.0329% | 7,072 |
| Memoranda: | ||
| Average total assets | $34,768,500 | 7,018 |
| Average earning assets | $28,919,500 | 7,085 |
| Average equity | $2,439,000 | 7,307 |
| Average total loans | $23,391,000 | 6,675 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3362% | 2,954 |
| Cost of funding earning assets | 0.9700% | 5,842 |
| Net interest margin | 4.3663% | 1,596 |
| Noninterest income to average assets | 1.0197% | 1,441 |
| Noninterest expense to average assets | 4.7797% | 510 |
| Loan and lease loss provision to assets | 0.6169% | 2,670 |
| Net operating income to assets | -0.6704% | 6,491 |
| Return on assets (ROA) | -0.4945% | 6,414 |
| Pretax return on assets | -0.4945% | 6,318 |
| Return on Equity (ROE) | -7.5811% | 6,592 |
| Retained earnings to average equity (ytd only) | -7.5811% | 6,499 |
| Net charge-offs to loans | 1.5106% | 1,455 |
| Credit loss provision to net charge-offs | 61.8926% | 6,053 |
| Earnings coverage of net charge-offs (x) | -0.0537% | 6,178 |
| Efficiency ratio | 101.1327% | 745 |
| Assets per employee ($millions) | 2.8809% | 6,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6524% | 3,392 |
| Loan loss allowance to noncurrent loans | 29.5941% | 6,314 |
| Noncurrent assets plus other real estate owned to assets | 5.3976% | 1,149 |
| Noncurrent loans to loans | 5.5837% | 1,170 |
| Net loans and leases to total assets | 69.0347% | 2,749 |
| Net loans and leases to deposits | 74.6933% | 4,084 |
| Net loans and leases to core deposits | 75.4656% | 4,792 |
| Total domestic deposits to total assets | 92.4243% | 200 |
| Equity capital to assets | 7.1650% | 7,053 |
| Core capital (leverage) ratio | 6.8380% | 7,093 |
| Tier 1 risk-based capital ratio | 10.0232% | 6,974 |
| Total risk-based capital ratio | 11.2792% | 6,960 |
| Memoranda: | ||
| Average total assets | $39,228,800 | 6,892 |
| Average earning assets | $33,300,600 | 6,971 |
| Average equity | $2,559,000 | 7,383 |
| Average total loans | $25,884,000 | 6,620 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2218% | 3,727 |
| Cost of funding earning assets | 1.0011% | 5,935 |
| Net interest margin | 4.2207% | 2,143 |
| Noninterest income to average assets | 1.0464% | 1,316 |
| Noninterest expense to average assets | 4.5188% | 573 |
| Loan and lease loss provision to assets | 0.4489% | 3,225 |
| Net operating income to assets | -0.3169% | 6,442 |
| Return on assets (ROA) | -0.0891% | 6,264 |
| Pretax return on assets | -0.0891% | 6,212 |
| Return on Equity (ROE) | -1.3956% | 6,325 |
| Retained earnings to average equity (ytd only) | -1.3956% | 6,080 |
| Net charge-offs to loans | 1.2172% | 1,683 |
| Credit loss provision to net charge-offs | 56.6667% | 5,771 |
| Earnings coverage of net charge-offs (x) | 0.1667% | 5,856 |
| Efficiency ratio | 97.1611% | 861 |
| Assets per employee ($millions) | 3.0347% | 6,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7279% | 3,070 |
| Loan loss allowance to noncurrent loans | 26.7707% | 6,531 |
| Noncurrent assets plus other real estate owned to assets | 4.5749% | 1,482 |
| Noncurrent loans to loans | 6.4546% | 927 |
| Net loans and leases to total assets | 69.6534% | 2,816 |
| Net loans and leases to deposits | 76.1346% | 4,158 |
| Net loans and leases to core deposits | 76.8869% | 4,938 |
| Total domestic deposits to total assets | 91.4873% | 310 |
| Equity capital to assets | 7.0326% | 7,333 |
| Core capital (leverage) ratio | 6.7873% | 7,255 |
| Tier 1 risk-based capital ratio | 10.3460% | 6,867 |
| Total risk-based capital ratio | 11.6044% | 6,861 |
| Memoranda: | ||
| Average total assets | $40,393,250 | 6,927 |
| Average earning assets | $34,495,750 | 7,012 |
| Average equity | $2,579,500 | 7,475 |
| Average total loans | $26,288,250 | 6,690 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2807% | 3,558 |
| Cost of funding earning assets | 1.0157% | 6,071 |
| Net interest margin | 4.2650% | 1,905 |
| Noninterest income to average assets | 1.0211% | 1,315 |
| Noninterest expense to average assets | 4.1468% | 866 |
| Loan and lease loss provision to assets | 0.5801% | 2,454 |
| Net operating income to assets | -0.0623% | 6,170 |
| Return on assets (ROA) | -0.0623% | 6,261 |
| Pretax return on assets | -0.0623% | 6,209 |
| Return on Equity (ROE) | -1.0055% | 6,313 |
| Retained earnings to average equity (ytd only) | -1.0055% | 5,970 |
| Net charge-offs to loans | 0.9831% | 1,882 |
| Credit loss provision to net charge-offs | 93.0769% | 4,329 |
| Earnings coverage of net charge-offs (x) | 0.8308% | 4,942 |
| Efficiency ratio | 88.9003% | 1,425 |
| Assets per employee ($millions) | 2.7017% | 6,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2430% | 1,685 |
| Loan loss allowance to noncurrent loans | 60.9921% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 2.3451% | 3,083 |
| Noncurrent loans to loans | 3.6776% | 2,130 |
| Net loans and leases to total assets | 62.3361% | 4,618 |
| Net loans and leases to deposits | 67.8777% | 5,572 |
| Net loans and leases to core deposits | 68.5208% | 6,017 |
| Total domestic deposits to total assets | 91.8359% | 257 |
| Equity capital to assets | 6.9215% | 7,374 |
| Core capital (leverage) ratio | 6.6006% | 7,347 |
| Tier 1 risk-based capital ratio | 11.1757% | 6,066 |
| Total risk-based capital ratio | 12.4439% | 6,030 |
| Memoranda: | ||
| Average total assets | $41,719,000 | 6,940 |
| Average earning assets | $35,639,000 | 7,018 |
| Average equity | $2,585,670 | 7,524 |
| Average total loans | $26,447,330 | 6,720 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1023% | 4,515 |
| Cost of funding earning assets | 1.0759% | 6,016 |
| Net interest margin | 4.0265% | 2,760 |
| Noninterest income to average assets | 1.0443% | 1,174 |
| Noninterest expense to average assets | 3.9756% | 1,065 |
| Loan and lease loss provision to assets | 0.7511% | 1,693 |
| Net operating income to assets | -0.2198% | 6,569 |
| Return on assets (ROA) | -0.2198% | 6,638 |
| Pretax return on assets | -0.2198% | 6,574 |
| Return on Equity (ROE) | -3.7361% | 6,803 |
| Retained earnings to average equity (ytd only) | -3.7361% | 6,466 |
| Net charge-offs to loans | 1.8543% | 932 |
| Credit loss provision to net charge-offs | 64.0625% | 4,226 |
| Earnings coverage of net charge-offs (x) | 0.4531% | 4,619 |
| Efficiency ratio | 88.2114% | 1,567 |
| Assets per employee ($millions) | 2.7704% | 6,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9244% | 2,375 |
| Loan loss allowance to noncurrent loans | 46.4945% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 2.7949% | 2,601 |
| Noncurrent loans to loans | 4.1390% | 1,867 |
| Net loans and leases to total assets | 66.2266% | 3,799 |
| Net loans and leases to deposits | 71.7707% | 5,085 |
| Net loans and leases to core deposits | 72.9447% | 5,615 |
| Total domestic deposits to total assets | 92.2754% | 197 |
| Equity capital to assets | 6.5902% | 7,505 |
| Core capital (leverage) ratio | 5.9351% | 7,588 |
| Tier 1 risk-based capital ratio | 10.3295% | 6,783 |
| Total risk-based capital ratio | 11.5925% | 6,768 |
| Memoranda: | ||
| Average total assets | $43,666,500 | 6,967 |
| Average earning assets | $37,551,500 | 7,034 |
| Average equity | $2,569,500 | 7,609 |
| Average total loans | $27,611,500 | 6,742 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1432% | 5,908 |
| Cost of funding earning assets | 2.1441% | 2,256 |
| Net interest margin | 2.9991% | 6,648 |
| Noninterest income to average assets | 0.3022% | 5,935 |
| Noninterest expense to average assets | 7.5000% | 169 |
| Loan and lease loss provision to assets | 1.3400% | 1,713 |
| Net operating income to assets | -5.4794% | 7,796 |
| Return on assets (ROA) | -5.3047% | 7,774 |
| Pretax return on assets | -5.8521% | 7,790 |
| Return on Equity (ROE) | -74.1695% | 7,834 |
| Retained earnings to average equity (ytd only) | -74.1695% | 7,830 |
| Net charge-offs to loans | 1.8303% | 1,358 |
| Credit loss provision to net charge-offs | 125.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | -4.3883% | 7,093 |
| Efficiency ratio | 192.5221% | 157 |
| Assets per employee ($millions) | 3.7345% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8944% | 2,272 |
| Loan loss allowance to noncurrent loans | 61.4525% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 1.8435% | 3,607 |
| Noncurrent loans to loans | 3.0827% | 2,486 |
| Net loans and leases to total assets | 58.6698% | 5,538 |
| Net loans and leases to deposits | 62.6096% | 6,397 |
| Net loans and leases to core deposits | 68.3127% | 6,862 |
| Total domestic deposits to total assets | 93.7073% | 87 |
| Equity capital to assets | 5.3205% | 7,755 |
| Core capital (leverage) ratio | 5.1153% | 7,755 |
| Tier 1 risk-based capital ratio | 9.1427% | 7,403 |
| Total risk-based capital ratio | 10.4079% | 7,408 |
| Memoranda: | ||
| Average total assets | $52,613,600 | 6,611 |
| Average earning assets | $43,747,000 | 6,769 |
| Average equity | $3,763,000 | 7,368 |
| Average total loans | $30,814,400 | 6,586 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1922% | 5,908 |
| Cost of funding earning assets | 2.2351% | 2,255 |
| Net interest margin | 2.9570% | 6,717 |
| Noninterest income to average assets | 1.1386% | 1,213 |
| Noninterest expense to average assets | 5.2755% | 411 |
| Loan and lease loss provision to assets | 1.3748% | 1,399 |
| Net operating income to assets | -3.0679% | 7,602 |
| Return on assets (ROA) | -2.8168% | 7,547 |
| Pretax return on assets | -2.8168% | 7,454 |
| Return on Equity (ROE) | -37.2260% | 7,725 |
| Retained earnings to average equity (ytd only) | -37.2260% | 7,717 |
| Net charge-offs to loans | 1.6379% | 1,239 |
| Credit loss provision to net charge-offs | 144.0104% | 3,388 |
| Earnings coverage of net charge-offs (x) | -1.7734% | 6,724 |
| Efficiency ratio | 145.9403% | 336 |
| Assets per employee ($millions) | 1.8784% | 7,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9031% | 2,020 |
| Loan loss allowance to noncurrent loans | 68.7277% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 1.5990% | 3,951 |
| Noncurrent loans to loans | 2.7690% | 2,743 |
| Net loans and leases to total assets | 56.6480% | 6,075 |
| Net loans and leases to deposits | 62.0618% | 6,669 |
| Net loans and leases to core deposits | 67.9375% | 7,077 |
| Total domestic deposits to total assets | 91.2767% | 311 |
| Equity capital to assets | 7.3904% | 7,380 |
| Core capital (leverage) ratio | 5.2487% | 7,903 |
| Tier 1 risk-based capital ratio | 9.2387% | 7,521 |
| Total risk-based capital ratio | 10.4964% | 7,508 |
| Memoranda: | ||
| Average total assets | $53,630,000 | 6,614 |
| Average earning assets | $44,322,250 | 6,804 |
| Average equity | $4,058,000 | 7,333 |
| Average total loans | $31,259,750 | 6,613 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2587% | 5,830 |
| Cost of funding earning assets | 2.3058% | 2,339 |
| Net interest margin | 2.9530% | 6,675 |
| Noninterest income to average assets | 1.0894% | 1,346 |
| Noninterest expense to average assets | 5.4358% | 393 |
| Loan and lease loss provision to assets | 1.9639% | 828 |
| Net operating income to assets | -3.8759% | 7,813 |
| Return on assets (ROA) | -3.5794% | 7,774 |
| Pretax return on assets | -3.5794% | 7,690 |
| Return on Equity (ROE) | -46.9502% | 7,897 |
| Retained earnings to average equity (ytd only) | -46.9502% | 7,890 |
| Net charge-offs to loans | 2.2246% | 815 |
| Credit loss provision to net charge-offs | 150.9972% | 3,052 |
| Earnings coverage of net charge-offs (x) | -1.4701% | 6,309 |
| Efficiency ratio | 152.9968% | 357 |
| Assets per employee ($millions) | 1.7939% | 7,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9276% | 1,725 |
| Loan loss allowance to noncurrent loans | 65.9193% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.6575% | 3,713 |
| Noncurrent loans to loans | 2.9242% | 2,460 |
| Net loans and leases to total assets | 55.5884% | 6,257 |
| Net loans and leases to deposits | 60.9051% | 6,824 |
| Net loans and leases to core deposits | 66.1259% | 7,209 |
| Total domestic deposits to total assets | 91.2704% | 383 |
| Equity capital to assets | 7.4735% | 7,292 |
| Core capital (leverage) ratio | 5.5080% | 7,981 |
| Tier 1 risk-based capital ratio | 9.2643% | 7,563 |
| Total risk-based capital ratio | 10.5095% | 7,558 |
| Memoranda: | ||
| Average total assets | $53,975,000 | 6,674 |
| Average earning assets | $44,497,330 | 6,860 |
| Average equity | $4,115,000 | 7,374 |
| Average total loans | $31,555,670 | 6,637 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4672% | 5,081 |
| Cost of funding earning assets | 2.4409% | 2,141 |
| Net interest margin | 3.0263% | 6,412 |
| Noninterest income to average assets | 0.9694% | 1,567 |
| Noninterest expense to average assets | 5.4094% | 379 |
| Loan and lease loss provision to assets | 0.1702% | 4,764 |
| Net operating income to assets | -2.1238% | 7,692 |
| Return on assets (ROA) | -1.5318% | 7,510 |
| Pretax return on assets | -1.5318% | 7,378 |
| Return on Equity (ROE) | -19.8967% | 7,750 |
| Retained earnings to average equity (ytd only) | -19.8967% | 7,641 |
| Net charge-offs to loans | 0.0499% | 4,778 |
| Credit loss provision to net charge-offs | 575.0000% | 981 |
| Earnings coverage of net charge-offs (x) | -66.0000% | 5,704 |
| Efficiency ratio | 155.2463% | 328 |
| Assets per employee ($millions) | 1.8255% | 8,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3602% | 3,732 |
| Loan loss allowance to noncurrent loans | 28.9385% | 6,621 |
| Noncurrent assets plus other real estate owned to assets | 2.7006% | 2,107 |
| Noncurrent loans to loans | 4.7003% | 1,190 |
| Net loans and leases to total assets | 56.6749% | 6,144 |
| Net loans and leases to deposits | 62.4457% | 6,696 |
| Net loans and leases to core deposits | 68.0643% | 7,129 |
| Total domestic deposits to total assets | 90.7587% | 492 |
| Equity capital to assets | 7.6198% | 7,248 |
| Core capital (leverage) ratio | 5.5462% | 8,074 |
| Tier 1 risk-based capital ratio | 9.3535% | 7,545 |
| Total risk-based capital ratio | 10.6033% | 7,507 |
| Memoranda: | ||
| Average total assets | $54,054,000 | 6,704 |
| Average earning assets | $44,410,000 | 6,906 |
| Average equity | $4,161,500 | 7,394 |
| Average total loans | $32,081,500 | 6,639 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3629% | 3,623 |
| Cost of funding earning assets | 2.7694% | 2,838 |
| Net interest margin | 3.5935% | 4,919 |
| Noninterest income to average assets | 1.3692% | 771 |
| Noninterest expense to average assets | 7.4270% | 264 |
| Loan and lease loss provision to assets | 0.1599% | 5,334 |
| Net operating income to assets | -3.2330% | 7,872 |
| Return on assets (ROA) | -3.2330% | 7,853 |
| Pretax return on assets | -3.2574% | 7,774 |
| Return on Equity (ROE) | -32.2212% | 7,993 |
| Retained earnings to average equity (ytd only) | -32.2212% | 7,948 |
| Net charge-offs to loans | 0.2787% | 3,541 |
| Credit loss provision to net charge-offs | 92.3913% | 5,619 |
| Earnings coverage of net charge-offs (x) | -17.9022% | 6,939 |
| Efficiency ratio | 125.2824% | 509 |
| Assets per employee ($millions) | 1.7207% | 8,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 4,128 |
| Loan loss allowance to noncurrent loans | 31.3410% | 6,636 |
| Noncurrent assets plus other real estate owned to assets | 2.4464% | 1,982 |
| Noncurrent loans to loans | 3.9912% | 1,233 |
| Net loans and leases to total assets | 60.5290% | 5,834 |
| Net loans and leases to deposits | 67.1841% | 6,536 |
| Net loans and leases to core deposits | 74.1060% | 6,962 |
| Total domestic deposits to total assets | 90.0943% | 610 |
| Equity capital to assets | 7.7798% | 7,120 |
| Core capital (leverage) ratio | 6.1599% | 8,032 |
| Tier 1 risk-based capital ratio | 8.9219% | 7,831 |
| Total risk-based capital ratio | 10.1270% | 7,893 |
| Memoranda: | ||
| Average total assets | $53,170,600 | 6,650 |
| Average earning assets | $43,800,800 | 6,862 |
| Average equity | $5,335,000 | 7,030 |
| Average total loans | $33,009,400 | 6,546 |