Home > Desert Commercial Bank > Performance and Condition Ratios
Desert Commercial Bank, 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 | 4.9811% | 1,841 |
| Cost of funding earning assets | 0.6952% | 4,055 |
| Net interest margin | 4.2859% | 1,511 |
| Noninterest income to average assets | 0.1798% | 6,281 |
| Noninterest expense to average assets | 4.3680% | 612 |
| Loan and lease loss provision to assets | 0.9343% | 488 |
| Net operating income to assets | -1.0355% | 6,922 |
| Return on assets (ROA) | -1.0355% | 6,937 |
| Pretax return on assets | -1.0340% | 6,906 |
| Return on Equity (ROE) | -10.3810% | 6,911 |
| Retained earnings to average equity (ytd only) | -10.3810% | 6,843 |
| Net charge-offs to loans | 1.4671% | 684 |
| Credit loss provision to net charge-offs | 89.5020% | 3,064 |
| Earnings coverage of net charge-offs (x) | -0.0956% | 5,127 |
| Efficiency ratio | 102.3371% | 485 |
| Assets per employee ($millions) | 4.4890% | 2,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2154% | 1,735 |
| Loan loss allowance to noncurrent loans | 91.9620% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 3.5686% | 1,487 |
| Noncurrent loans to loans | 2.4091% | 2,499 |
| Net loans and leases to total assets | 67.4952% | 2,373 |
| Net loans and leases to deposits | 75.3347% | 3,079 |
| Net loans and leases to core deposits | 79.3929% | 3,306 |
| Total domestic deposits to total assets | 89.5938% | 1,164 |
| Equity capital to assets | 9.9556% | 4,408 |
| Core capital (leverage) ratio | 9.6194% | 3,965 |
| Tier 1 risk-based capital ratio | 12.9667% | 5,205 |
| Total risk-based capital ratio | 14.2258% | 5,174 |
| Memoranda: | ||
| Average total assets | $142,353,000 | 3,962 |
| Average earning assets | $135,793,330 | 3,852 |
| Average equity | $14,199,000 | 4,162 |
| Average total loans | $101,290,670 | 3,540 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0714% | 1,660 |
| Cost of funding earning assets | 0.6941% | 4,332 |
| Net interest margin | 4.3774% | 1,276 |
| Noninterest income to average assets | 0.1917% | 6,235 |
| Noninterest expense to average assets | 4.4015% | 596 |
| Loan and lease loss provision to assets | 1.1115% | 358 |
| Net operating income to assets | -1.1504% | 7,029 |
| Return on assets (ROA) | -1.1504% | 7,043 |
| Pretax return on assets | -1.1504% | 7,013 |
| Return on Equity (ROE) | -11.5228% | 7,019 |
| Retained earnings to average equity (ytd only) | -11.5228% | 6,884 |
| Net charge-offs to loans | 3.2490% | 213 |
| Credit loss provision to net charge-offs | 47.3934% | 3,323 |
| Earnings coverage of net charge-offs (x) | -0.0166% | 4,375 |
| Efficiency ratio | 100.8917% | 524 |
| Assets per employee ($millions) | 4.5936% | 2,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 3,160 |
| Loan loss allowance to noncurrent loans | 53.7687% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 4.0505% | 1,352 |
| Noncurrent loans to loans | 3.2560% | 1,967 |
| Net loans and leases to total assets | 67.2685% | 2,236 |
| Net loans and leases to deposits | 74.7605% | 3,002 |
| Net loans and leases to core deposits | 78.9843% | 3,189 |
| Total domestic deposits to total assets | 89.9786% | 1,099 |
| Equity capital to assets | 9.6370% | 4,602 |
| Core capital (leverage) ratio | 9.9571% | 3,419 |
| Tier 1 risk-based capital ratio | 12.6237% | 5,498 |
| Total risk-based capital ratio | 13.8778% | 5,468 |
| Memoranda: | ||
| Average total assets | $143,950,500 | 3,975 |
| Average earning assets | $137,160,500 | 3,863 |
| Average equity | $14,371,500 | 4,118 |
| Average total loans | $103,909,500 | 3,503 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5487% | 1,061 |
| Cost of funding earning assets | 0.8517% | 4,467 |
| Net interest margin | 4.6970% | 760 |
| Noninterest income to average assets | 0.0782% | 6,723 |
| Noninterest expense to average assets | 4.8161% | 452 |
| Loan and lease loss provision to assets | 1.0323% | 912 |
| Net operating income to assets | -1.3118% | 6,860 |
| Return on assets (ROA) | -1.3016% | 6,878 |
| Pretax return on assets | -1.3009% | 6,843 |
| Return on Equity (ROE) | -12.3578% | 6,810 |
| Retained earnings to average equity (ytd only) | -12.3578% | 6,783 |
| Net charge-offs to loans | 1.3601% | 1,213 |
| Credit loss provision to net charge-offs | 101.2675% | 3,433 |
| Earnings coverage of net charge-offs (x) | -0.2735% | 5,994 |
| Efficiency ratio | 106.1451% | 516 |
| Assets per employee ($millions) | 4.4033% | 3,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0583% | 2,108 |
| Loan loss allowance to noncurrent loans | 42.0511% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 5.5782% | 912 |
| Noncurrent loans to loans | 4.8948% | 1,170 |
| Net loans and leases to total assets | 74.4963% | 1,177 |
| Net loans and leases to deposits | 83.5122% | 1,983 |
| Net loans and leases to core deposits | 89.5113% | 2,197 |
| Total domestic deposits to total assets | 89.2041% | 1,420 |
| Equity capital to assets | 10.3453% | 3,715 |
| Core capital (leverage) ratio | 10.2548% | 3,020 |
| Tier 1 risk-based capital ratio | 12.5017% | 5,448 |
| Total risk-based capital ratio | 13.7599% | 5,427 |
| Memoranda: | ||
| Average total assets | $147,049,000 | 3,856 |
| Average earning assets | $139,601,200 | 3,757 |
| Average equity | $15,488,200 | 3,822 |
| Average total loans | $110,214,000 | 3,377 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5924% | 1,048 |
| Cost of funding earning assets | 0.8746% | 4,596 |
| Net interest margin | 4.7177% | 736 |
| Noninterest income to average assets | 0.0727% | 6,872 |
| Noninterest expense to average assets | 4.5925% | 528 |
| Loan and lease loss provision to assets | 1.1746% | 673 |
| Net operating income to assets | -1.2231% | 6,966 |
| Return on assets (ROA) | -1.2096% | 6,982 |
| Pretax return on assets | -1.2087% | 6,944 |
| Return on Equity (ROE) | -11.4361% | 6,931 |
| Retained earnings to average equity (ytd only) | -11.4361% | 6,898 |
| Net charge-offs to loans | 1.3865% | 1,093 |
| Credit loss provision to net charge-offs | 113.4315% | 2,883 |
| Earnings coverage of net charge-offs (x) | -0.0459% | 5,633 |
| Efficiency ratio | 101.0464% | 632 |
| Assets per employee ($millions) | 4.1731% | 3,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1057% | 2,051 |
| Loan loss allowance to noncurrent loans | 53.6541% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 4.5010% | 1,333 |
| Noncurrent loans to loans | 3.9245% | 1,689 |
| Net loans and leases to total assets | 74.5469% | 1,226 |
| Net loans and leases to deposits | 83.5528% | 2,078 |
| Net loans and leases to core deposits | 90.5222% | 2,187 |
| Total domestic deposits to total assets | 89.2213% | 1,293 |
| Equity capital to assets | 10.3576% | 3,883 |
| Core capital (leverage) ratio | 10.4396% | 2,947 |
| Tier 1 risk-based capital ratio | 12.5155% | 5,471 |
| Total risk-based capital ratio | 13.7741% | 5,459 |
| Memoranda: | ||
| Average total assets | $148,585,000 | 3,848 |
| Average earning assets | $140,855,000 | 3,750 |
| Average equity | $15,716,000 | 3,787 |
| Average total loans | $110,973,750 | 3,391 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7274% | 834 |
| Cost of funding earning assets | 0.8830% | 4,807 |
| Net interest margin | 4.8444% | 562 |
| Noninterest income to average assets | 0.0763% | 6,941 |
| Noninterest expense to average assets | 4.4985% | 595 |
| Loan and lease loss provision to assets | 1.3746% | 535 |
| Net operating income to assets | -1.1939% | 7,003 |
| Return on assets (ROA) | -1.1738% | 7,007 |
| Pretax return on assets | -1.1725% | 6,956 |
| Return on Equity (ROE) | -11.0231% | 6,967 |
| Retained earnings to average equity (ytd only) | -11.0231% | 6,914 |
| Net charge-offs to loans | 1.1218% | 1,403 |
| Credit loss provision to net charge-offs | 165.1125% | 1,838 |
| Earnings coverage of net charge-offs (x) | 0.2186% | 5,144 |
| Efficiency ratio | 96.1110% | 875 |
| Assets per employee ($millions) | 4.2157% | 3,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4182% | 1,558 |
| Loan loss allowance to noncurrent loans | 76.4376% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 3.7954% | 1,708 |
| Noncurrent loans to loans | 3.1637% | 2,270 |
| Net loans and leases to total assets | 70.8881% | 2,028 |
| Net loans and leases to deposits | 79.5543% | 2,877 |
| Net loans and leases to core deposits | 86.2873% | 2,865 |
| Total domestic deposits to total assets | 89.1066% | 1,476 |
| Equity capital to assets | 10.5518% | 3,440 |
| Core capital (leverage) ratio | 10.4337% | 2,781 |
| Tier 1 risk-based capital ratio | 13.1504% | 4,803 |
| Total risk-based capital ratio | 14.4127% | 4,774 |
| Memoranda: | ||
| Average total assets | $149,427,670 | 3,856 |
| Average earning assets | $142,019,000 | 3,757 |
| Average equity | $15,912,000 | 3,747 |
| Average total loans | $110,890,670 | 3,435 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9222% | 567 |
| Cost of funding earning assets | 0.8960% | 4,953 |
| Net interest margin | 5.0262% | 362 |
| Noninterest income to average assets | 0.0745% | 7,015 |
| Noninterest expense to average assets | 4.9878% | 367 |
| Loan and lease loss provision to assets | 0.8566% | 958 |
| Net operating income to assets | -0.9949% | 7,045 |
| Return on assets (ROA) | -0.9949% | 7,046 |
| Pretax return on assets | -0.9949% | 6,996 |
| Return on Equity (ROE) | -9.3015% | 7,004 |
| Retained earnings to average equity (ytd only) | -9.3015% | 6,830 |
| Net charge-offs to loans | 1.4759% | 920 |
| Credit loss provision to net charge-offs | 77.4038% | 3,207 |
| Earnings coverage of net charge-offs (x) | -0.1250% | 4,654 |
| Efficiency ratio | 102.8524% | 650 |
| Assets per employee ($millions) | 4.5027% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9060% | 2,672 |
| Loan loss allowance to noncurrent loans | 83.0226% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 3.0897% | 2,229 |
| Noncurrent loans to loans | 2.2957% | 3,200 |
| Net loans and leases to total assets | 70.3640% | 2,061 |
| Net loans and leases to deposits | 78.8495% | 2,920 |
| Net loans and leases to core deposits | 86.9342% | 2,743 |
| Total domestic deposits to total assets | 89.2384% | 1,626 |
| Equity capital to assets | 10.3925% | 3,293 |
| Core capital (leverage) ratio | 10.7735% | 2,381 |
| Tier 1 risk-based capital ratio | 13.0911% | 4,755 |
| Total risk-based capital ratio | 14.3475% | 4,729 |
| Memoranda: | ||
| Average total assets | $150,367,500 | 3,871 |
| Average earning assets | $142,852,500 | 3,775 |
| Average equity | $16,083,500 | 3,713 |
| Average total loans | $112,743,000 | 3,421 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0128% | 828 |
| Cost of funding earning assets | 1.0117% | 5,635 |
| Net interest margin | 5.0011% | 430 |
| Noninterest income to average assets | 0.3193% | 5,508 |
| Noninterest expense to average assets | 4.4543% | 682 |
| Loan and lease loss provision to assets | 0.6722% | 2,456 |
| Net operating income to assets | -0.0889% | 5,975 |
| Return on assets (ROA) | 0.0744% | 5,784 |
| Pretax return on assets | 0.0751% | 5,748 |
| Return on Equity (ROE) | 0.6510% | 5,800 |
| Retained earnings to average equity (ytd only) | 0.6510% | 5,249 |
| Net charge-offs to loans | 1.5145% | 1,452 |
| Credit loss provision to net charge-offs | 57.9202% | 6,117 |
| Earnings coverage of net charge-offs (x) | 0.5018% | 5,611 |
| Efficiency ratio | 88.4369% | 1,443 |
| Assets per employee ($millions) | 4.3425% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8907% | 2,592 |
| Loan loss allowance to noncurrent loans | 19.8098% | 6,817 |
| Noncurrent assets plus other real estate owned to assets | 8.9736% | 505 |
| Noncurrent loans to loans | 9.5442% | 458 |
| Net loans and leases to total assets | 76.8639% | 1,116 |
| Net loans and leases to deposits | 86.7105% | 1,976 |
| Net loans and leases to core deposits | 96.6504% | 1,928 |
| Total domestic deposits to total assets | 88.6443% | 1,862 |
| Equity capital to assets | 11.0109% | 2,675 |
| Core capital (leverage) ratio | 11.0914% | 2,090 |
| Tier 1 risk-based capital ratio | 13.1350% | 4,496 |
| Total risk-based capital ratio | 14.3919% | 4,451 |
| Memoranda: | ||
| Average total assets | $142,514,600 | 4,013 |
| Average earning assets | $134,430,600 | 3,920 |
| Average equity | $16,281,800 | 3,707 |
| Average total loans | $109,211,200 | 3,561 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0579% | 832 |
| Cost of funding earning assets | 1.0280% | 5,813 |
| Net interest margin | 5.0299% | 404 |
| Noninterest income to average assets | 0.3153% | 5,629 |
| Noninterest expense to average assets | 4.5456% | 565 |
| Loan and lease loss provision to assets | 0.3776% | 3,626 |
| Net operating income to assets | 0.1256% | 5,704 |
| Return on assets (ROA) | 0.3257% | 5,230 |
| Pretax return on assets | 0.3266% | 5,431 |
| Return on Equity (ROE) | 2.8241% | 5,293 |
| Retained earnings to average equity (ytd only) | 2.8241% | 4,450 |
| Net charge-offs to loans | 1.6382% | 1,204 |
| Credit loss provision to net charge-offs | 30.2572% | 6,152 |
| Earnings coverage of net charge-offs (x) | 0.4039% | 5,622 |
| Efficiency ratio | 90.0168% | 1,290 |
| Assets per employee ($millions) | 3.9424% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7365% | 3,032 |
| Loan loss allowance to noncurrent loans | 184.1315% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 2.3068% | 3,072 |
| Noncurrent loans to loans | 0.9431% | 5,347 |
| Net loans and leases to total assets | 78.1854% | 1,011 |
| Net loans and leases to deposits | 88.9287% | 1,864 |
| Net loans and leases to core deposits | 98.2391% | 2,018 |
| Total domestic deposits to total assets | 87.9192% | 2,008 |
| Equity capital to assets | 11.6686% | 2,385 |
| Core capital (leverage) ratio | 11.4803% | 1,950 |
| Tier 1 risk-based capital ratio | 13.6403% | 4,089 |
| Total risk-based capital ratio | 14.8948% | 4,037 |
| Memoranda: | ||
| Average total assets | $141,232,250 | 4,088 |
| Average earning assets | $132,935,500 | 4,006 |
| Average equity | $16,288,000 | 3,753 |
| Average total loans | $107,596,000 | 3,646 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9974% | 955 |
| Cost of funding earning assets | 1.0325% | 5,995 |
| Net interest margin | 4.9649% | 455 |
| Noninterest income to average assets | 0.3518% | 5,333 |
| Noninterest expense to average assets | 4.5617% | 538 |
| Loan and lease loss provision to assets | 0.4312% | 3,161 |
| Net operating income to assets | 0.0298% | 6,039 |
| Return on assets (ROA) | 0.3305% | 5,220 |
| Pretax return on assets | 0.3319% | 5,416 |
| Return on Equity (ROE) | 2.8771% | 5,292 |
| Retained earnings to average equity (ytd only) | 2.8771% | 4,311 |
| Net charge-offs to loans | 2.1414% | 840 |
| Credit loss provision to net charge-offs | 26.8314% | 5,779 |
| Earnings coverage of net charge-offs (x) | 0.2877% | 5,441 |
| Efficiency ratio | 90.7962% | 1,273 |
| Assets per employee ($millions) | 4.1032% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9189% | 2,372 |
| Loan loss allowance to noncurrent loans | 37.7851% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 5.3234% | 1,177 |
| Noncurrent loans to loans | 5.0785% | 1,352 |
| Net loans and leases to total assets | 73.1044% | 2,140 |
| Net loans and leases to deposits | 82.8861% | 3,100 |
| Net loans and leases to core deposits | 91.7750% | 3,019 |
| Total domestic deposits to total assets | 88.1987% | 1,884 |
| Equity capital to assets | 11.3870% | 2,532 |
| Core capital (leverage) ratio | 11.4257% | 1,956 |
| Tier 1 risk-based capital ratio | 13.8600% | 3,832 |
| Total risk-based capital ratio | 15.1168% | 3,787 |
| Memoranda: | ||
| Average total assets | $141,000,330 | 4,119 |
| Average earning assets | $132,690,670 | 4,044 |
| Average equity | $16,197,000 | 3,763 |
| Average total loans | $105,818,670 | 3,723 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0501% | 886 |
| Cost of funding earning assets | 1.0185% | 6,288 |
| Net interest margin | 5.0316% | 394 |
| Noninterest income to average assets | 0.1661% | 6,777 |
| Noninterest expense to average assets | 4.5098% | 574 |
| Loan and lease loss provision to assets | 0.1976% | 4,526 |
| Net operating income to assets | 0.2119% | 5,639 |
| Return on assets (ROA) | 0.2119% | 5,760 |
| Pretax return on assets | 0.2119% | 5,844 |
| Return on Equity (ROE) | 1.8363% | 5,820 |
| Retained earnings to average equity (ytd only) | 1.8363% | 5,012 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6764% | 1,299 |
| Assets per employee ($millions) | 3.9549% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8090% | 976 |
| Loan loss allowance to noncurrent loans | 112.2433% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 3.4958% | 2,012 |
| Noncurrent loans to loans | 2.5026% | 3,175 |
| Net loans and leases to total assets | 73.7867% | 2,017 |
| Net loans and leases to deposits | 84.0233% | 2,940 |
| Net loans and leases to core deposits | 95.1200% | 2,687 |
| Total domestic deposits to total assets | 87.8170% | 2,163 |
| Equity capital to assets | 11.6961% | 2,233 |
| Core capital (leverage) ratio | 11.6116% | 1,851 |
| Tier 1 risk-based capital ratio | 13.9761% | 3,667 |
| Total risk-based capital ratio | 15.2428% | 3,623 |
| Memoranda: | ||
| Average total assets | $139,695,000 | 4,201 |
| Average earning assets | $131,965,000 | 4,117 |
| Average equity | $16,119,000 | 3,813 |
| Average total loans | $105,208,000 | 3,794 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4446% | 745 |
| Cost of funding earning assets | 1.8706% | 3,621 |
| Net interest margin | 4.5740% | 1,029 |
| Noninterest income to average assets | 0.0642% | 7,430 |
| Noninterest expense to average assets | 6.2551% | 281 |
| Loan and lease loss provision to assets | 0.9601% | 2,359 |
| Net operating income to assets | -3.0018% | 7,391 |
| Return on assets (ROA) | -2.7774% | 7,357 |
| Pretax return on assets | -2.7767% | 7,231 |
| Return on Equity (ROE) | -28.8021% | 7,387 |
| Retained earnings to average equity (ytd only) | -28.8021% | 7,366 |
| Net charge-offs to loans | 0.8975% | 2,596 |
| Credit loss provision to net charge-offs | 143.1514% | 3,354 |
| Earnings coverage of net charge-offs (x) | -3.0433% | 7,054 |
| Efficiency ratio | 148.4347% | 322 |
| Assets per employee ($millions) | 4.4053% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7372% | 983 |
| Loan loss allowance to noncurrent loans | 239.4518% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 2.4211% | 2,871 |
| Noncurrent loans to loans | 1.1431% | 5,046 |
| Net loans and leases to total assets | 72.6718% | 2,588 |
| Net loans and leases to deposits | 82.8989% | 3,473 |
| Net loans and leases to core deposits | 128.5257% | 1,363 |
| Total domestic deposits to total assets | 87.6632% | 2,140 |
| Equity capital to assets | 11.3841% | 2,406 |
| Core capital (leverage) ratio | 11.1249% | 2,153 |
| Tier 1 risk-based capital ratio | 13.9323% | 3,546 |
| Total risk-based capital ratio | 15.1988% | 3,486 |
| Memoranda: | ||
| Average total assets | $144,777,600 | 4,032 |
| Average earning assets | $131,349,800 | 4,059 |
| Average equity | $13,960,800 | 4,261 |
| Average total loans | $108,187,200 | 3,736 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4093% | 913 |
| Cost of funding earning assets | 1.9839% | 3,450 |
| Net interest margin | 4.4253% | 1,379 |
| Noninterest income to average assets | 0.0540% | 7,632 |
| Noninterest expense to average assets | 5.1006% | 454 |
| Loan and lease loss provision to assets | 0.6496% | 2,807 |
| Net operating income to assets | -1.7237% | 7,205 |
| Return on assets (ROA) | -1.7246% | 7,205 |
| Pretax return on assets | -1.7237% | 7,057 |
| Return on Equity (ROE) | -18.7013% | 7,330 |
| Retained earnings to average equity (ytd only) | -18.7013% | 7,296 |
| Net charge-offs to loans | 0.4310% | 3,529 |
| Credit loss provision to net charge-offs | 201.7045% | 2,213 |
| Earnings coverage of net charge-offs (x) | -3.3324% | 6,816 |
| Efficiency ratio | 126.6470% | 511 |
| Assets per employee ($millions) | 4.7834% | 2,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6131% | 954 |
| Loan loss allowance to noncurrent loans | 147.1324% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 3.7414% | 1,740 |
| Noncurrent loans to loans | 1.7760% | 3,951 |
| Net loans and leases to total assets | 73.2915% | 2,714 |
| Net loans and leases to deposits | 81.2004% | 4,167 |
| Net loans and leases to core deposits | 131.1969% | 1,364 |
| Total domestic deposits to total assets | 90.2600% | 681 |
| Equity capital to assets | 9.0348% | 5,437 |
| Core capital (leverage) ratio | 8.7740% | 5,013 |
| Tier 1 risk-based capital ratio | 10.2547% | 6,731 |
| Total risk-based capital ratio | 11.5180% | 6,661 |
| Memoranda: | ||
| Average total assets | $145,730,000 | 4,044 |
| Average earning assets | $130,849,000 | 4,087 |
| Average equity | $13,439,000 | 4,429 |
| Average total loans | $108,902,250 | 3,756 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4391% | 923 |
| Cost of funding earning assets | 2.0872% | 3,331 |
| Net interest margin | 4.3519% | 1,515 |
| Noninterest income to average assets | 0.0314% | 7,833 |
| Noninterest expense to average assets | 5.5082% | 379 |
| Loan and lease loss provision to assets | 0.9080% | 1,860 |
| Net operating income to assets | -2.5370% | 7,567 |
| Return on assets (ROA) | -2.5384% | 7,557 |
| Pretax return on assets | -2.5370% | 7,429 |
| Return on Equity (ROE) | -27.3443% | 7,670 |
| Retained earnings to average equity (ytd only) | -27.3443% | 7,643 |
| Net charge-offs to loans | 0.6447% | 2,421 |
| Credit loss provision to net charge-offs | 188.9205% | 2,413 |
| Earnings coverage of net charge-offs (x) | -3.3864% | 6,419 |
| Efficiency ratio | 141.9423% | 416 |
| Assets per employee ($millions) | 4.5053% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5720% | 843 |
| Loan loss allowance to noncurrent loans | 130.8671% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 3.8656% | 1,560 |
| Noncurrent loans to loans | 1.9653% | 3,569 |
| Net loans and leases to total assets | 72.9670% | 2,961 |
| Net loans and leases to deposits | 80.6395% | 4,452 |
| Net loans and leases to core deposits | 126.4804% | 1,824 |
| Total domestic deposits to total assets | 90.4854% | 635 |
| Equity capital to assets | 8.8764% | 5,486 |
| Core capital (leverage) ratio | 8.9213% | 4,756 |
| Tier 1 risk-based capital ratio | 10.2284% | 6,679 |
| Total risk-based capital ratio | 11.4911% | 6,589 |
| Memoranda: | ||
| Average total assets | $146,473,000 | 4,062 |
| Average earning assets | $129,551,670 | 4,144 |
| Average equity | $13,597,000 | 4,398 |
| Average total loans | $109,204,330 | 3,779 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4784% | 905 |
| Cost of funding earning assets | 2.1962% | 3,183 |
| Net interest margin | 4.2822% | 1,641 |
| Noninterest income to average assets | 0.0894% | 7,609 |
| Noninterest expense to average assets | 5.7795% | 317 |
| Loan and lease loss provision to assets | 0.1219% | 5,404 |
| Net operating income to assets | -2.0268% | 7,671 |
| Return on assets (ROA) | -2.0268% | 7,665 |
| Pretax return on assets | -2.0240% | 7,542 |
| Return on Equity (ROE) | -21.3760% | 7,784 |
| Retained earnings to average equity (ytd only) | -21.3760% | 7,687 |
| Net charge-offs to loans | 1.2821% | 1,096 |
| Credit loss provision to net charge-offs | 12.7841% | 5,168 |
| Earnings coverage of net charge-offs (x) | -1.9943% | 5,469 |
| Efficiency ratio | 149.0566% | 357 |
| Assets per employee ($millions) | 4.5886% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0419% | 1,336 |
| Loan loss allowance to noncurrent loans | 101.8895% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 3.1893% | 1,744 |
| Noncurrent loans to loans | 2.0040% | 3,256 |
| Net loans and leases to total assets | 70.4743% | 3,578 |
| Net loans and leases to deposits | 78.3484% | 4,868 |
| Net loans and leases to core deposits | 113.7104% | 3,032 |
| Total domestic deposits to total assets | 89.9499% | 826 |
| Equity capital to assets | 9.1381% | 5,168 |
| Core capital (leverage) ratio | 9.3095% | 4,232 |
| Tier 1 risk-based capital ratio | 10.6524% | 6,231 |
| Total risk-based capital ratio | 11.9084% | 6,140 |
| Memoranda: | ||
| Average total assets | $147,625,500 | 4,053 |
| Average earning assets | $130,587,000 | 4,144 |
| Average equity | $13,997,000 | 4,334 |
| Average total loans | $109,820,500 | 3,792 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0464% | 1,016 |
| Cost of funding earning assets | 2.4043% | 4,706 |
| Net interest margin | 4.6422% | 1,069 |
| Noninterest income to average assets | 0.1094% | 7,586 |
| Noninterest expense to average assets | 4.5575% | 839 |
| Loan and lease loss provision to assets | 2.9224% | 316 |
| Net operating income to assets | -3.0684% | 7,839 |
| Return on assets (ROA) | -3.0684% | 7,808 |
| Pretax return on assets | -3.0684% | 7,723 |
| Return on Equity (ROE) | -26.8562% | 7,902 |
| Retained earnings to average equity (ytd only) | -26.8562% | 7,851 |
| Net charge-offs to loans | 3.8260% | 181 |
| Credit loss provision to net charge-offs | 94.5287% | 5,558 |
| Earnings coverage of net charge-offs (x) | -0.0472% | 6,277 |
| Efficiency ratio | 103.3107% | 886 |
| Assets per employee ($millions) | 4.9472% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1613% | 989 |
| Loan loss allowance to noncurrent loans | 122.7703% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 6.7493% | 400 |
| Noncurrent loans to loans | 1.7605% | 3,123 |
| Net loans and leases to total assets | 75.1529% | 2,845 |
| Net loans and leases to deposits | 83.8538% | 4,441 |
| Net loans and leases to core deposits | 118.6812% | 2,817 |
| Total domestic deposits to total assets | 89.6238% | 795 |
| Equity capital to assets | 9.8210% | 4,260 |
| Core capital (leverage) ratio | 10.2015% | 3,265 |
| Tier 1 risk-based capital ratio | 10.9730% | 5,749 |
| Total risk-based capital ratio | 12.2312% | 5,647 |
| Memoranda: | ||
| Average total assets | $147,208,000 | 3,951 |
| Average earning assets | $136,423,600 | 3,921 |
| Average equity | $16,819,200 | 3,768 |
| Average total loans | $118,949,600 | 3,494 |