Home > First California Bank > Performance and Condition Ratios
First California Bank, Performance and Condition Ratios
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9762% | 4,214 |
| Cost of funding earning assets | 0.4179% | 4,926 |
| Net interest margin | 3.5583% | 3,439 |
| Noninterest income to average assets | 0.8887% | 1,795 |
| Noninterest expense to average assets | 3.7189% | 1,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1649% | 5,996 |
| Return on assets (ROA) | 0.2283% | 5,922 |
| Pretax return on assets | 0.3934% | 5,583 |
| Return on Equity (ROE) | 1.5948% | 6,056 |
| Retained earnings to average equity (ytd only) | 0.0569% | 5,753 |
| Net charge-offs to loans | -0.0346% | 5,964 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6094% | 1,094 |
| Assets per employee ($millions) | 6.6205% | 927 |
| Cash dividends to net income (ytd only)* | 96.4320% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6200% | 3,317 |
| Loan loss allowance to noncurrent loans | 55.4238% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 2.8745% | 1,566 |
| Noncurrent loans to loans | 2.9229% | 1,720 |
| Net loans and leases to total assets | 63.7252% | 2,767 |
| Net loans and leases to deposits | 81.3948% | 1,908 |
| Net loans and leases to core deposits | 99.3905% | 984 |
| Total domestic deposits to total assets | 78.2915% | 6,072 |
| Equity capital to assets | 14.9326% | 771 |
| Core capital (leverage) ratio | 11.0844% | 2,193 |
| Tier 1 risk-based capital ratio | 17.7048% | 2,478 |
| Total risk-based capital ratio | 18.9603% | 2,442 |
| Memoranda: | ||
| Average total assets | $1,817,093,000 | 385 |
| Average earning assets | $1,595,598,000 | 395 |
| Average equity | $260,102,000 | 312 |
| Average total loans | $1,145,736,500 | 389 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6144% | 2,940 |
| Cost of funding earning assets | 0.5239% | 5,036 |
| Net interest margin | 4.0905% | 2,040 |
| Noninterest income to average assets | 0.8410% | 2,078 |
| Noninterest expense to average assets | 3.5298% | 1,758 |
| Loan and lease loss provision to assets | 0.0785% | 4,726 |
| Net operating income to assets | 0.4671% | 4,809 |
| Return on assets (ROA) | 0.6327% | 4,343 |
| Pretax return on assets | 1.0534% | 3,345 |
| Return on Equity (ROE) | 4.7348% | 4,821 |
| Retained earnings to average equity (ytd only) | 4.7348% | 2,893 |
| Net charge-offs to loans | 0.0943% | 4,728 |
| Credit loss provision to net charge-offs | 139.5349% | 1,976 |
| Earnings coverage of net charge-offs (x) | 15.5284% | 1,645 |
| Efficiency ratio | 71.8580% | 3,442 |
| Assets per employee ($millions) | 6.7366% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5617% | 3,465 |
| Loan loss allowance to noncurrent loans | 69.1371% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 2.3814% | 2,059 |
| Noncurrent loans to loans | 2.2588% | 2,395 |
| Net loans and leases to total assets | 60.5101% | 3,513 |
| Net loans and leases to deposits | 75.6094% | 2,868 |
| Net loans and leases to core deposits | 87.5725% | 2,136 |
| Total domestic deposits to total assets | 80.0298% | 5,653 |
| Equity capital to assets | 13.7453% | 1,133 |
| Core capital (leverage) ratio | 10.1806% | 3,165 |
| Tier 1 risk-based capital ratio | 16.9105% | 2,696 |
| Total risk-based capital ratio | 18.1650% | 2,654 |
| Memoranda: | ||
| Average total assets | $1,911,717,800 | 371 |
| Average earning assets | $1,664,706,600 | 376 |
| Average equity | $255,448,600 | 309 |
| Average total loans | $1,140,416,200 | 384 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6344% | 3,083 |
| Cost of funding earning assets | 0.5436% | 5,139 |
| Net interest margin | 4.0908% | 2,120 |
| Noninterest income to average assets | 1.0188% | 1,459 |
| Noninterest expense to average assets | 3.1969% | 2,580 |
| Loan and lease loss provision to assets | 0.1044% | 4,268 |
| Net operating income to assets | 0.7587% | 3,658 |
| Return on assets (ROA) | 0.7866% | 3,761 |
| Pretax return on assets | 1.3110% | 2,552 |
| Return on Equity (ROE) | 5.9287% | 4,362 |
| Retained earnings to average equity (ytd only) | 5.9287% | 2,744 |
| Net charge-offs to loans | 0.1185% | 4,191 |
| Credit loss provision to net charge-offs | 148.8095% | 1,902 |
| Earnings coverage of net charge-offs (x) | 19.5595% | 1,490 |
| Efficiency ratio | 67.4139% | 4,193 |
| Assets per employee ($millions) | 6.9954% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 3,718 |
| Loan loss allowance to noncurrent loans | 72.4230% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 2.2874% | 2,326 |
| Noncurrent loans to loans | 2.1451% | 2,680 |
| Net loans and leases to total assets | 57.9720% | 4,141 |
| Net loans and leases to deposits | 72.0402% | 3,607 |
| Net loans and leases to core deposits | 80.5791% | 3,134 |
| Total domestic deposits to total assets | 80.4718% | 5,527 |
| Equity capital to assets | 13.1412% | 1,522 |
| Core capital (leverage) ratio | 9.9665% | 3,589 |
| Tier 1 risk-based capital ratio | 15.8461% | 3,353 |
| Total risk-based capital ratio | 17.0998% | 3,319 |
| Memoranda: | ||
| Average total assets | $1,916,398,750 | 371 |
| Average earning assets | $1,662,932,500 | 377 |
| Average equity | $254,261,250 | 310 |
| Average total loans | $1,134,614,250 | 386 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7212% | 2,835 |
| Cost of funding earning assets | 0.5680% | 5,162 |
| Net interest margin | 4.1532% | 1,889 |
| Noninterest income to average assets | 1.0252% | 1,390 |
| Noninterest expense to average assets | 3.2766% | 2,368 |
| Loan and lease loss provision to assets | 0.1058% | 4,203 |
| Net operating income to assets | 0.7323% | 3,696 |
| Return on assets (ROA) | 0.7725% | 3,777 |
| Pretax return on assets | 1.2876% | 2,605 |
| Return on Equity (ROE) | 5.8033% | 4,418 |
| Retained earnings to average equity (ytd only) | 5.8033% | 2,825 |
| Net charge-offs to loans | 0.0719% | 4,427 |
| Credit loss provision to net charge-offs | 248.1390% | 1,164 |
| Earnings coverage of net charge-offs (x) | 31.2109% | 1,044 |
| Efficiency ratio | 68.4928% | 4,044 |
| Assets per employee ($millions) | 6.8285% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 3,641 |
| Loan loss allowance to noncurrent loans | 79.8329% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 2.4521% | 2,274 |
| Noncurrent loans to loans | 1.9901% | 2,958 |
| Net loans and leases to total assets | 57.3784% | 4,268 |
| Net loans and leases to deposits | 72.1577% | 3,587 |
| Net loans and leases to core deposits | 81.0886% | 3,071 |
| Total domestic deposits to total assets | 79.5180% | 5,858 |
| Equity capital to assets | 12.9317% | 1,551 |
| Core capital (leverage) ratio | 9.9116% | 3,551 |
| Tier 1 risk-based capital ratio | 15.5549% | 3,403 |
| Total risk-based capital ratio | 16.7959% | 3,371 |
| Memoranda: | ||
| Average total assets | $1,890,633,000 | 376 |
| Average earning assets | $1,630,614,670 | 379 |
| Average equity | $251,683,000 | 311 |
| Average total loans | $1,121,477,330 | 389 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7588% | 2,815 |
| Cost of funding earning assets | 0.5874% | 5,233 |
| Net interest margin | 4.1715% | 1,846 |
| Noninterest income to average assets | 0.9188% | 1,671 |
| Noninterest expense to average assets | 3.1017% | 2,910 |
| Loan and lease loss provision to assets | 0.1084% | 3,998 |
| Net operating income to assets | 0.7625% | 3,562 |
| Return on assets (ROA) | 0.7626% | 3,798 |
| Pretax return on assets | 1.2796% | 2,613 |
| Return on Equity (ROE) | 5.6421% | 4,476 |
| Retained earnings to average equity (ytd only) | 5.6421% | 3,170 |
| Net charge-offs to loans | 0.0337% | 4,216 |
| Credit loss provision to net charge-offs | 537.6344% | 624 |
| Earnings coverage of net charge-offs (x) | 68.8602% | 489 |
| Efficiency ratio | 66.2210% | 4,520 |
| Assets per employee ($millions) | 6.3462% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 3,743 |
| Loan loss allowance to noncurrent loans | 55.4185% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 3.4175% | 1,679 |
| Noncurrent loans to loans | 2.8777% | 2,245 |
| Net loans and leases to total assets | 59.6322% | 3,747 |
| Net loans and leases to deposits | 75.9321% | 2,804 |
| Net loans and leases to core deposits | 85.8614% | 2,306 |
| Total domestic deposits to total assets | 78.5336% | 6,179 |
| Equity capital to assets | 13.4146% | 1,268 |
| Core capital (leverage) ratio | 10.1784% | 3,139 |
| Tier 1 risk-based capital ratio | 15.4771% | 3,462 |
| Total risk-based capital ratio | 16.7309% | 3,430 |
| Memoranda: | ||
| Average total assets | $1,845,817,500 | 377 |
| Average earning assets | $1,579,972,500 | 387 |
| Average equity | $249,483,500 | 308 |
| Average total loans | $1,104,922,500 | 391 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8445% | 3,606 |
| Cost of funding earning assets | 0.7881% | 4,952 |
| Net interest margin | 4.0564% | 2,611 |
| Noninterest income to average assets | 2.6370% | 250 |
| Noninterest expense to average assets | 3.2512% | 2,689 |
| Loan and lease loss provision to assets | 0.3048% | 3,229 |
| Net operating income to assets | 1.4795% | 870 |
| Return on assets (ROA) | 1.4661% | 973 |
| Pretax return on assets | 2.5263% | 198 |
| Return on Equity (ROE) | 10.8457% | 1,751 |
| Retained earnings to average equity (ytd only) | 10.8457% | 426 |
| Net charge-offs to loans | 0.4323% | 3,271 |
| Credit loss provision to net charge-offs | 115.4145% | 2,824 |
| Earnings coverage of net charge-offs (x) | 10.7979% | 1,789 |
| Efficiency ratio | 51.1319% | 6,769 |
| Assets per employee ($millions) | 5.9643% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 3,353 |
| Loan loss allowance to noncurrent loans | 53.9128% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 3.7220% | 1,567 |
| Noncurrent loans to loans | 3.0721% | 2,107 |
| Net loans and leases to total assets | 58.1177% | 4,350 |
| Net loans and leases to deposits | 73.7693% | 3,535 |
| Net loans and leases to core deposits | 83.4135% | 2,970 |
| Total domestic deposits to total assets | 78.7831% | 6,041 |
| Equity capital to assets | 13.6213% | 1,208 |
| Core capital (leverage) ratio | 10.1832% | 3,109 |
| Tier 1 risk-based capital ratio | 15.8432% | 3,135 |
| Total risk-based capital ratio | 17.0974% | 3,093 |
| Memoranda: | ||
| Average total assets | $1,753,730,600 | 380 |
| Average earning assets | $1,498,541,400 | 394 |
| Average equity | $237,071,400 | 307 |
| Average total loans | $1,071,548,800 | 394 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8665% | 3,702 |
| Cost of funding earning assets | 0.8421% | 4,831 |
| Net interest margin | 4.0243% | 2,807 |
| Noninterest income to average assets | 3.1877% | 198 |
| Noninterest expense to average assets | 3.3386% | 2,376 |
| Loan and lease loss provision to assets | 0.3489% | 2,785 |
| Net operating income to assets | 1.7068% | 618 |
| Return on assets (ROA) | 1.6888% | 711 |
| Pretax return on assets | 2.9117% | 147 |
| Return on Equity (ROE) | 12.5177% | 1,406 |
| Retained earnings to average equity (ytd only) | 12.5177% | 430 |
| Net charge-offs to loans | 0.4734% | 2,844 |
| Credit loss provision to net charge-offs | 119.5795% | 2,727 |
| Earnings coverage of net charge-offs (x) | 11.2723% | 1,825 |
| Efficiency ratio | 48.4496% | 6,931 |
| Assets per employee ($millions) | 6.1000% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6659% | 3,392 |
| Loan loss allowance to noncurrent loans | 43.6302% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 3.9607% | 1,546 |
| Noncurrent loans to loans | 3.8181% | 1,761 |
| Net loans and leases to total assets | 58.1200% | 4,493 |
| Net loans and leases to deposits | 73.9852% | 3,657 |
| Net loans and leases to core deposits | 83.5084% | 3,127 |
| Total domestic deposits to total assets | 78.5562% | 6,084 |
| Equity capital to assets | 13.5199% | 1,360 |
| Core capital (leverage) ratio | 10.0119% | 3,425 |
| Tier 1 risk-based capital ratio | 15.9622% | 3,140 |
| Total risk-based capital ratio | 17.2169% | 3,092 |
| Memoranda: | ||
| Average total assets | $1,738,873,000 | 385 |
| Average earning assets | $1,486,186,250 | 395 |
| Average equity | $234,595,000 | 314 |
| Average total loans | $1,071,557,250 | 397 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8297% | 3,954 |
| Cost of funding earning assets | 0.8999% | 4,670 |
| Net interest margin | 3.9298% | 3,170 |
| Noninterest income to average assets | 4.4949% | 151 |
| Noninterest expense to average assets | 3.6675% | 1,589 |
| Loan and lease loss provision to assets | 0.3495% | 2,684 |
| Net operating income to assets | 2.2352% | 249 |
| Return on assets (ROA) | 2.1922% | 274 |
| Pretax return on assets | 3.7796% | 104 |
| Return on Equity (ROE) | 16.2613% | 641 |
| Retained earnings to average equity (ytd only) | 16.2613% | 192 |
| Net charge-offs to loans | 0.3219% | 3,273 |
| Credit loss provision to net charge-offs | 173.7116% | 1,738 |
| Earnings coverage of net charge-offs (x) | 20.8552% | 1,176 |
| Efficiency ratio | 45.0960% | 7,198 |
| Assets per employee ($millions) | 6.1514% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6771% | 3,397 |
| Loan loss allowance to noncurrent loans | 35.3248% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 4.2992% | 1,476 |
| Noncurrent loans to loans | 4.7477% | 1,385 |
| Net loans and leases to total assets | 59.5453% | 4,363 |
| Net loans and leases to deposits | 76.0352% | 3,463 |
| Net loans and leases to core deposits | 85.8484% | 2,935 |
| Total domestic deposits to total assets | 78.3128% | 6,229 |
| Equity capital to assets | 13.3019% | 1,381 |
| Core capital (leverage) ratio | 9.5359% | 3,899 |
| Tier 1 risk-based capital ratio | 15.5227% | 3,226 |
| Total risk-based capital ratio | 16.7606% | 3,182 |
| Memoranda: | ||
| Average total assets | $1,716,628,330 | 393 |
| Average earning assets | $1,471,641,330 | 411 |
| Average equity | $231,421,000 | 319 |
| Average total loans | $1,073,011,000 | 409 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5714% | 5,072 |
| Cost of funding earning assets | 0.9461% | 4,605 |
| Net interest margin | 3.6254% | 4,456 |
| Noninterest income to average assets | 8.6022% | 82 |
| Noninterest expense to average assets | 4.2998% | 727 |
| Loan and lease loss provision to assets | 0.5975% | 1,440 |
| Net operating income to assets | 3.9851% | 77 |
| Return on assets (ROA) | 3.8221% | 83 |
| Pretax return on assets | 6.5794% | 53 |
| Return on Equity (ROE) | 28.1496% | 107 |
| Retained earnings to average equity (ytd only) | 28.1496% | 73 |
| Net charge-offs to loans | 0.3260% | 2,750 |
| Credit loss provision to net charge-offs | 288.3506% | 1,109 |
| Earnings coverage of net charge-offs (x) | 35.8674% | 732 |
| Efficiency ratio | 35.8044% | 7,449 |
| Assets per employee ($millions) | 7.0359% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 3,498 |
| Loan loss allowance to noncurrent loans | 26.6277% | 6,482 |
| Noncurrent assets plus other real estate owned to assets | 5.5786% | 1,073 |
| Noncurrent loans to loans | 6.2262% | 992 |
| Net loans and leases to total assets | 60.5257% | 4,169 |
| Net loans and leases to deposits | 78.1579% | 3,033 |
| Net loans and leases to core deposits | 88.4561% | 2,543 |
| Total domestic deposits to total assets | 77.4403% | 6,461 |
| Equity capital to assets | 12.8784% | 1,436 |
| Core capital (leverage) ratio | 10.2497% | 2,863 |
| Tier 1 risk-based capital ratio | 15.4089% | 3,205 |
| Total risk-based capital ratio | 16.6645% | 3,162 |
| Memoranda: | ||
| Average total assets | $1,673,761,000 | 406 |
| Average earning assets | $1,444,711,000 | 423 |
| Average equity | $227,257,500 | 319 |
| Average total loans | $1,063,752,500 | 411 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5545% | 6,239 |
| Cost of funding earning assets | 0.9955% | 5,722 |
| Net interest margin | 3.5590% | 5,002 |
| Noninterest income to average assets | 0.4614% | 4,434 |
| Noninterest expense to average assets | 2.7774% | 4,685 |
| Loan and lease loss provision to assets | 0.5663% | 2,864 |
| Net operating income to assets | 0.1700% | 5,375 |
| Return on assets (ROA) | 0.2268% | 5,342 |
| Pretax return on assets | 0.3560% | 5,065 |
| Return on Equity (ROE) | 1.5922% | 5,528 |
| Retained earnings to average equity (ytd only) | 1.5922% | 4,726 |
| Net charge-offs to loans | 0.8361% | 2,542 |
| Credit loss provision to net charge-offs | 106.7606% | 4,177 |
| Earnings coverage of net charge-offs (x) | 1.5716% | 4,559 |
| Efficiency ratio | 73.7046% | 3,461 |
| Assets per employee ($millions) | 6.1217% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7006% | 3,215 |
| Loan loss allowance to noncurrent loans | 74.1694% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 3.2903% | 2,146 |
| Noncurrent loans to loans | 2.2928% | 3,228 |
| Net loans and leases to total assets | 64.8529% | 3,698 |
| Net loans and leases to deposits | 84.8217% | 2,319 |
| Net loans and leases to core deposits | 98.9890% | 1,704 |
| Total domestic deposits to total assets | 76.4579% | 6,575 |
| Equity capital to assets | 14.4202% | 924 |
| Core capital (leverage) ratio | 10.6343% | 2,429 |
| Tier 1 risk-based capital ratio | 15.0581% | 3,206 |
| Total risk-based capital ratio | 16.3133% | 3,155 |
| Memoranda: | ||
| Average total assets | $1,472,405,000 | 460 |
| Average earning assets | $1,303,064,600 | 469 |
| Average equity | $209,706,800 | 338 |
| Average total loans | $934,082,600 | 480 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4944% | 6,617 |
| Cost of funding earning assets | 1.0096% | 5,895 |
| Net interest margin | 3.4849% | 5,360 |
| Noninterest income to average assets | 0.3006% | 5,742 |
| Noninterest expense to average assets | 2.6303% | 5,197 |
| Loan and lease loss provision to assets | 0.6514% | 2,343 |
| Net operating income to assets | 0.0686% | 5,843 |
| Return on assets (ROA) | 0.1542% | 5,787 |
| Pretax return on assets | 0.2418% | 5,637 |
| Return on Equity (ROE) | 1.0864% | 5,878 |
| Retained earnings to average equity (ytd only) | 1.0864% | 5,380 |
| Net charge-offs to loans | 1.0384% | 1,947 |
| Credit loss provision to net charge-offs | 99.9300% | 4,367 |
| Earnings coverage of net charge-offs (x) | 1.1649% | 4,900 |
| Efficiency ratio | 74.1243% | 3,309 |
| Assets per employee ($millions) | 6.3689% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7960% | 2,802 |
| Loan loss allowance to noncurrent loans | 73.6706% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 3.3609% | 2,122 |
| Noncurrent loans to loans | 2.4379% | 3,191 |
| Net loans and leases to total assets | 60.2800% | 4,851 |
| Net loans and leases to deposits | 82.4207% | 3,029 |
| Net loans and leases to core deposits | 96.9727% | 2,148 |
| Total domestic deposits to total assets | 73.1369% | 7,018 |
| Equity capital to assets | 14.6010% | 992 |
| Core capital (leverage) ratio | 11.0341% | 2,233 |
| Tier 1 risk-based capital ratio | 15.0851% | 3,211 |
| Total risk-based capital ratio | 16.3400% | 3,198 |
| Memoranda: | ||
| Average total assets | $1,460,962,000 | 458 |
| Average earning assets | $1,295,055,000 | 464 |
| Average equity | $207,402,500 | 337 |
| Average total loans | $917,199,500 | 488 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5030% | 6,706 |
| Cost of funding earning assets | 1.0346% | 5,987 |
| Net interest margin | 3.4684% | 5,372 |
| Noninterest income to average assets | 0.3024% | 5,734 |
| Noninterest expense to average assets | 2.6852% | 4,970 |
| Loan and lease loss provision to assets | 0.4858% | 2,867 |
| Net operating income to assets | 0.1343% | 5,774 |
| Return on assets (ROA) | 0.1575% | 5,817 |
| Pretax return on assets | 0.2486% | 5,659 |
| Return on Equity (ROE) | 1.1203% | 5,913 |
| Retained earnings to average equity (ytd only) | 1.1203% | 5,315 |
| Net charge-offs to loans | 0.7795% | 2,299 |
| Credit loss provision to net charge-offs | 98.5167% | 4,164 |
| Earnings coverage of net charge-offs (x) | 1.4159% | 4,423 |
| Efficiency ratio | 75.8913% | 3,094 |
| Assets per employee ($millions) | 5.9246% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8453% | 2,583 |
| Loan loss allowance to noncurrent loans | 124.7119% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 2.8276% | 2,553 |
| Noncurrent loans to loans | 1.4797% | 4,483 |
| Net loans and leases to total assets | 60.2878% | 5,005 |
| Net loans and leases to deposits | 79.5986% | 3,669 |
| Net loans and leases to core deposits | 91.4796% | 3,061 |
| Total domestic deposits to total assets | 75.7398% | 6,743 |
| Equity capital to assets | 15.0130% | 880 |
| Core capital (leverage) ratio | 11.1012% | 2,166 |
| Tier 1 risk-based capital ratio | 15.4082% | 2,948 |
| Total risk-based capital ratio | 16.6635% | 2,906 |
| Memoranda: | ||
| Average total assets | $1,449,050,670 | 461 |
| Average earning assets | $1,287,220,670 | 465 |
| Average equity | $203,692,330 | 340 |
| Average total loans | $916,696,670 | 490 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5149% | 6,758 |
| Cost of funding earning assets | 1.0820% | 5,980 |
| Net interest margin | 3.4329% | 5,456 |
| Noninterest income to average assets | 0.2959% | 5,778 |
| Noninterest expense to average assets | 2.7462% | 4,701 |
| Loan and lease loss provision to assets | 0.4846% | 2,559 |
| Net operating income to assets | 0.0797% | 6,082 |
| Return on assets (ROA) | 0.1031% | 6,119 |
| Pretax return on assets | 0.1677% | 5,974 |
| Return on Equity (ROE) | 0.7590% | 6,192 |
| Retained earnings to average equity (ytd only) | 0.7590% | 5,520 |
| Net charge-offs to loans | 1.1454% | 1,467 |
| Credit loss provision to net charge-offs | 65.9151% | 4,183 |
| Earnings coverage of net charge-offs (x) | 0.8377% | 4,300 |
| Efficiency ratio | 78.1083% | 2,876 |
| Assets per employee ($millions) | 5.7550% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6967% | 3,072 |
| Loan loss allowance to noncurrent loans | 42.1192% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 2.9908% | 2,401 |
| Noncurrent loans to loans | 4.0284% | 1,940 |
| Net loans and leases to total assets | 62.8114% | 4,583 |
| Net loans and leases to deposits | 83.3974% | 3,044 |
| Net loans and leases to core deposits | 99.0486% | 2,229 |
| Total domestic deposits to total assets | 75.3158% | 6,862 |
| Equity capital to assets | 14.9817% | 886 |
| Core capital (leverage) ratio | 11.0086% | 2,226 |
| Tier 1 risk-based capital ratio | 15.1232% | 3,057 |
| Total risk-based capital ratio | 16.3772% | 3,008 |
| Memoranda: | ||
| Average total assets | $1,447,816,500 | 476 |
| Average earning assets | $1,293,148,500 | 478 |
| Average equity | $196,580,500 | 356 |
| Average total loans | $929,274,500 | 503 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1870% | 5,711 |
| Cost of funding earning assets | 1.4540% | 5,704 |
| Net interest margin | 3.7330% | 3,987 |
| Noninterest income to average assets | 0.3505% | 5,588 |
| Noninterest expense to average assets | 3.1756% | 3,459 |
| Loan and lease loss provision to assets | 1.1878% | 1,938 |
| Net operating income to assets | -0.3819% | 6,057 |
| Return on assets (ROA) | -0.1374% | 5,736 |
| Pretax return on assets | -0.2958% | 5,827 |
| Return on Equity (ROE) | -1.1341% | 5,710 |
| Retained earnings to average equity (ytd only) | -1.1341% | 5,293 |
| Net charge-offs to loans | 0.8961% | 2,599 |
| Credit loss provision to net charge-offs | 203.2727% | 1,909 |
| Earnings coverage of net charge-offs (x) | 0.8726% | 5,232 |
| Efficiency ratio | 83.0161% | 2,474 |
| Assets per employee ($millions) | 5.9954% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7573% | 2,679 |
| Loan loss allowance to noncurrent loans | 41.1863% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 3.0865% | 2,248 |
| Noncurrent loans to loans | 4.2666% | 1,702 |
| Net loans and leases to total assets | 63.3371% | 4,744 |
| Net loans and leases to deposits | 81.6635% | 3,670 |
| Net loans and leases to core deposits | 107.1218% | 3,203 |
| Total domestic deposits to total assets | 77.5586% | 6,334 |
| Equity capital to assets | 12.1912% | 1,919 |
| Core capital (leverage) ratio | 8.0838% | 6,022 |
| Tier 1 risk-based capital ratio | 10.9190% | 5,992 |
| Total risk-based capital ratio | 12.1732% | 5,964 |
| Memoranda: | ||
| Average total assets | $1,401,414,200 | 486 |
| Average earning assets | $1,252,002,200 | 491 |
| Average equity | $169,736,000 | 405 |
| Average total loans | $913,832,200 | 521 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3147% | 5,348 |
| Cost of funding earning assets | 1.5245% | 5,734 |
| Net interest margin | 3.7902% | 3,699 |
| Noninterest income to average assets | 0.3581% | 5,631 |
| Noninterest expense to average assets | 3.1978% | 3,302 |
| Loan and lease loss provision to assets | 0.9893% | 1,937 |
| Net operating income to assets | -0.2269% | 6,108 |
| Return on assets (ROA) | 0.0034% | 5,762 |
| Pretax return on assets | -0.0868% | 5,827 |
| Return on Equity (ROE) | 0.0278% | 5,767 |
| Retained earnings to average equity (ytd only) | 0.0278% | 5,192 |
| Net charge-offs to loans | 0.9120% | 2,143 |
| Credit loss provision to net charge-offs | 165.8772% | 2,839 |
| Earnings coverage of net charge-offs (x) | 0.9099% | 5,147 |
| Efficiency ratio | 82.3824% | 2,531 |
| Assets per employee ($millions) | 5.9138% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2900% | 4,568 |
| Loan loss allowance to noncurrent loans | 28.7736% | 6,548 |
| Noncurrent assets plus other real estate owned to assets | 3.2933% | 2,054 |
| Noncurrent loans to loans | 4.4833% | 1,563 |
| Net loans and leases to total assets | 63.3234% | 5,014 |
| Net loans and leases to deposits | 81.9137% | 4,041 |
| Net loans and leases to core deposits | 109.0821% | 3,339 |
| Total domestic deposits to total assets | 77.3049% | 6,266 |
| Equity capital to assets | 12.1012% | 2,187 |
| Core capital (leverage) ratio | 8.0972% | 6,188 |
| Tier 1 risk-based capital ratio | 10.4799% | 6,490 |
| Total risk-based capital ratio | 11.6158% | 6,546 |
| Memoranda: | ||
| Average total assets | $1,387,549,500 | 506 |
| Average earning assets | $1,238,253,750 | 506 |
| Average equity | $167,767,250 | 417 |
| Average total loans | $907,478,750 | 538 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4614% | 4,837 |
| Cost of funding earning assets | 1.6053% | 5,723 |
| Net interest margin | 3.8561% | 3,313 |
| Noninterest income to average assets | 0.3682% | 5,561 |
| Noninterest expense to average assets | 3.3067% | 2,929 |
| Loan and lease loss provision to assets | 0.9079% | 1,861 |
| Net operating income to assets | -0.2595% | 6,275 |
| Return on assets (ROA) | -0.0614% | 6,005 |
| Pretax return on assets | -0.0999% | 5,993 |
| Return on Equity (ROE) | -0.5081% | 6,000 |
| Retained earnings to average equity (ytd only) | -0.5081% | 5,350 |
| Net charge-offs to loans | 0.5069% | 2,808 |
| Credit loss provision to net charge-offs | 271.9630% | 1,721 |
| Earnings coverage of net charge-offs (x) | 1.4934% | 4,414 |
| Efficiency ratio | 83.8366% | 2,495 |
| Assets per employee ($millions) | 5.3026% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 4,452 |
| Loan loss allowance to noncurrent loans | 44.0884% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 2.3406% | 2,775 |
| Noncurrent loans to loans | 2.8840% | 2,501 |
| Net loans and leases to total assets | 64.1226% | 4,957 |
| Net loans and leases to deposits | 83.7498% | 3,930 |
| Net loans and leases to core deposits | 113.3756% | 2,979 |
| Total domestic deposits to total assets | 76.5645% | 6,423 |
| Equity capital to assets | 12.0799% | 2,160 |
| Core capital (leverage) ratio | 8.0897% | 6,178 |
| Tier 1 risk-based capital ratio | 10.4234% | 6,452 |
| Total risk-based capital ratio | 11.5438% | 6,536 |
| Memoranda: | ||
| Average total assets | $1,361,191,670 | 523 |
| Average earning assets | $1,213,241,330 | 526 |
| Average equity | $164,530,000 | 433 |
| Average total loans | $896,354,330 | 558 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4712% | 5,058 |
| Cost of funding earning assets | 1.6979% | 5,609 |
| Net interest margin | 3.7733% | 3,573 |
| Noninterest income to average assets | 0.3739% | 5,436 |
| Noninterest expense to average assets | 3.1245% | 3,284 |
| Loan and lease loss provision to assets | 1.5384% | 817 |
| Net operating income to assets | -0.5270% | 6,900 |
| Return on assets (ROA) | -0.3967% | 6,855 |
| Pretax return on assets | -0.7199% | 6,981 |
| Return on Equity (ROE) | -3.2806% | 6,809 |
| Retained earnings to average equity (ytd only) | -3.2806% | 6,328 |
| Net charge-offs to loans | 0.8426% | 1,546 |
| Credit loss provision to net charge-offs | 275.1900% | 1,741 |
| Earnings coverage of net charge-offs (x) | 1.0999% | 4,203 |
| Efficiency ratio | 80.4967% | 2,744 |
| Assets per employee ($millions) | 5.3804% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 4,707 |
| Loan loss allowance to noncurrent loans | 133.8120% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.6460% | 5,548 |
| Noncurrent loans to loans | 0.9070% | 5,188 |
| Net loans and leases to total assets | 62.9420% | 5,171 |
| Net loans and leases to deposits | 82.1038% | 4,266 |
| Net loans and leases to core deposits | 108.5194% | 3,615 |
| Total domestic deposits to total assets | 76.6615% | 6,372 |
| Equity capital to assets | 11.7791% | 2,396 |
| Core capital (leverage) ratio | 8.3574% | 5,796 |
| Tier 1 risk-based capital ratio | 10.4678% | 6,430 |
| Total risk-based capital ratio | 11.5558% | 6,514 |
| Memoranda: | ||
| Average total assets | $1,317,976,000 | 536 |
| Average earning assets | $1,175,536,000 | 547 |
| Average equity | $159,359,000 | 445 |
| Average total loans | $874,427,000 | 572 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3245% | 3,829 |
| Cost of funding earning assets | 2.0888% | 6,102 |
| Net interest margin | 4.2357% | 2,178 |
| Noninterest income to average assets | 0.4721% | 4,863 |
| Noninterest expense to average assets | 2.8993% | 4,453 |
| Loan and lease loss provision to assets | 0.1016% | 6,082 |
| Net operating income to assets | 0.7498% | 3,674 |
| Return on assets (ROA) | 0.7485% | 3,518 |
| Pretax return on assets | 1.2121% | 2,600 |
| Return on Equity (ROE) | 5.6094% | 4,113 |
| Retained earnings to average equity (ytd only) | 3.6224% | 2,895 |
| Net charge-offs to loans | 0.1188% | 5,073 |
| Credit loss provision to net charge-offs | 123.6559% | 4,337 |
| Earnings coverage of net charge-offs (x) | 16.0065% | 1,885 |
| Efficiency ratio | 66.2906% | 5,064 |
| Assets per employee ($millions) | 5.6901% | 1,325 |
| Cash dividends to net income (ytd only)* | 35.4233% | 3,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 6,201 |
| Loan loss allowance to noncurrent loans | 90.3863% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 0.7746% | 4,914 |
| Noncurrent loans to loans | 1.0861% | 4,391 |
| Net loans and leases to total assets | 68.9199% | 4,272 |
| Net loans and leases to deposits | 95.0267% | 2,605 |
| Net loans and leases to core deposits | 127.0887% | 2,077 |
| Total domestic deposits to total assets | 72.5269% | 6,912 |
| Equity capital to assets | 12.4775% | 2,027 |
| Core capital (leverage) ratio | 9.2611% | 4,351 |
| Tier 1 risk-based capital ratio | 11.3484% | 5,390 |
| Total risk-based capital ratio | 12.2652% | 5,612 |
| Memoranda: | ||
| Average total assets | $1,131,436,800 | 589 |
| Average earning assets | $999,809,400 | 600 |
| Average equity | $150,979,200 | 462 |
| Average total loans | $782,568,200 | 606 |