Home > First Community Bank Silver Lake > Performance and Condition Ratios
First Community Bank Silver Lake, Performance and Condition Ratios
| 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 | 3.7122% | 6,025 |
| Cost of funding earning assets | 0.6320% | 4,081 |
| Net interest margin | 3.0801% | 5,861 |
| Noninterest income to average assets | 0.1079% | 6,474 |
| Noninterest expense to average assets | 2.1710% | 5,986 |
| Loan and lease loss provision to assets | 0.0800% | 4,707 |
| Net operating income to assets | 0.6237% | 4,120 |
| Return on assets (ROA) | 1.7192% | 669 |
| Pretax return on assets | 1.7192% | 1,093 |
| Return on Equity (ROE) | 16.6705% | 573 |
| Retained earnings to average equity (ytd only) | 8.9168% | 854 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5216% | 2,825 |
| Assets per employee ($millions) | 4.3143% | 3,316 |
| Cash dividends to net income (ytd only)* | 46.5116% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8151% | 2,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5563% | 5,088 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 36.3594% | 6,406 |
| Net loans and leases to deposits | 41.5743% | 6,479 |
| Net loans and leases to core deposits | 41.5743% | 6,562 |
| Total domestic deposits to total assets | 87.4565% | 2,551 |
| Equity capital to assets | 10.1445% | 3,975 |
| Core capital (leverage) ratio | 9.2792% | 4,453 |
| Tier 1 risk-based capital ratio | 19.0005% | 1,959 |
| Total risk-based capital ratio | 20.2559% | 1,927 |
| Memoranda: | ||
| Average total assets | $25,012,000 | 6,874 |
| Average earning assets | $22,466,600 | 6,857 |
| Average equity | $2,579,400 | 6,865 |
| Average total loans | $9,823,400 | 6,856 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8200% | 5,972 |
| Cost of funding earning assets | 0.6699% | 4,021 |
| Net interest margin | 3.1502% | 5,823 |
| Noninterest income to average assets | 0.1129% | 6,570 |
| Noninterest expense to average assets | 2.0489% | 6,275 |
| Loan and lease loss provision to assets | 0.0269% | 5,445 |
| Net operating income to assets | 0.8443% | 3,239 |
| Return on assets (ROA) | 2.3177% | 255 |
| Pretax return on assets | 2.3177% | 395 |
| Return on Equity (ROE) | 22.3795% | 222 |
| Retained earnings to average equity (ytd only) | 11.9945% | 531 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1657% | 3,658 |
| Assets per employee ($millions) | 4.1542% | 3,560 |
| Cash dividends to net income (ytd only)* | 46.4039% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 3,818 |
| Loan loss allowance to noncurrent loans | 113.5714% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.5777% | 5,220 |
| Noncurrent loans to loans | 1.3472% | 3,773 |
| Net loans and leases to total assets | 41.0552% | 6,194 |
| Net loans and leases to deposits | 46.0303% | 6,381 |
| Net loans and leases to core deposits | 46.0303% | 6,516 |
| Total domestic deposits to total assets | 89.1916% | 1,319 |
| Equity capital to assets | 10.6319% | 3,691 |
| Core capital (leverage) ratio | 9.4186% | 4,396 |
| Tier 1 risk-based capital ratio | 18.6660% | 2,113 |
| Total risk-based capital ratio | 19.9147% | 2,082 |
| Memoranda: | ||
| Average total assets | $24,793,500 | 6,964 |
| Average earning assets | $22,093,500 | 6,950 |
| Average equity | $2,567,750 | 6,955 |
| Average total loans | $9,882,750 | 6,944 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8497% | 6,032 |
| Cost of funding earning assets | 0.7133% | 3,911 |
| Net interest margin | 3.1365% | 5,899 |
| Noninterest income to average assets | 0.1212% | 6,576 |
| Noninterest expense to average assets | 2.0121% | 6,405 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8808% | 2,994 |
| Return on assets (ROA) | 2.9253% | 110 |
| Pretax return on assets | 2.9253% | 167 |
| Return on Equity (ROE) | 28.5002% | 90 |
| Retained earnings to average equity (ytd only) | 12.7542% | 467 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5531% | 3,838 |
| Assets per employee ($millions) | 4.1690% | 3,521 |
| Cash dividends to net income (ytd only)* | 55.2486% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5216% | 3,913 |
| Loan loss allowance to noncurrent loans | 110.0000% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.6676% | 5,109 |
| Noncurrent loans to loans | 1.3833% | 3,848 |
| Net loans and leases to total assets | 39.8457% | 6,355 |
| Net loans and leases to deposits | 44.4916% | 6,525 |
| Net loans and leases to core deposits | 44.4916% | 6,638 |
| Total domestic deposits to total assets | 89.5578% | 1,192 |
| Equity capital to assets | 10.2702% | 3,971 |
| Core capital (leverage) ratio | 9.3493% | 4,371 |
| Tier 1 risk-based capital ratio | 18.7828% | 2,034 |
| Total risk-based capital ratio | 20.0360% | 2,006 |
| Memoranda: | ||
| Average total assets | $24,749,670 | 7,021 |
| Average earning assets | $21,871,670 | 7,013 |
| Average equity | $2,540,330 | 7,008 |
| Average total loans | $9,713,000 | 7,007 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0423% | 5,630 |
| Cost of funding earning assets | 0.7860% | 3,577 |
| Net interest margin | 3.2563% | 5,617 |
| Noninterest income to average assets | 0.0975% | 6,757 |
| Noninterest expense to average assets | 2.0798% | 6,309 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8449% | 3,186 |
| Return on assets (ROA) | 3.6884% | 82 |
| Pretax return on assets | 3.6884% | 107 |
| Return on Equity (ROE) | 35.9462% | 62 |
| Retained earnings to average equity (ytd only) | 4.2755% | 4,023 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1111% | 3,604 |
| Assets per employee ($millions) | 4.0565% | 3,892 |
| Cash dividends to net income (ytd only)* | 88.1057% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 3,713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 6,431 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 38.8841% | 6,430 |
| Net loans and leases to deposits | 43.3135% | 6,593 |
| Net loans and leases to core deposits | 43.3135% | 6,688 |
| Total domestic deposits to total assets | 89.7736% | 1,207 |
| Equity capital to assets | 10.0826% | 4,021 |
| Core capital (leverage) ratio | 8.5280% | 5,550 |
| Tier 1 risk-based capital ratio | 17.2062% | 2,602 |
| Total risk-based capital ratio | 18.4341% | 2,570 |
| Memoranda: | ||
| Average total assets | $24,617,500 | 7,084 |
| Average earning assets | $21,374,000 | 7,084 |
| Average equity | $2,526,000 | 7,057 |
| Average total loans | $9,509,000 | 7,085 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4208% | 5,340 |
| Cost of funding earning assets | 0.9770% | 3,527 |
| Net interest margin | 3.4439% | 5,354 |
| Noninterest income to average assets | 0.1259% | 6,521 |
| Noninterest expense to average assets | 2.6887% | 4,784 |
| Loan and lease loss provision to assets | 0.3005% | 3,262 |
| Net operating income to assets | 0.2721% | 5,362 |
| Return on assets (ROA) | 1.0844% | 2,010 |
| Pretax return on assets | 1.0844% | 2,897 |
| Return on Equity (ROE) | 11.8920% | 1,432 |
| Retained earnings to average equity (ytd only) | -3.6968% | 6,343 |
| Net charge-offs to loans | 0.7776% | 2,211 |
| Credit loss provision to net charge-offs | 96.1039% | 3,750 |
| Earnings coverage of net charge-offs (x) | 1.8312% | 4,407 |
| Efficiency ratio | 82.4408% | 1,960 |
| Assets per employee ($millions) | 4.1493% | 3,549 |
| Cash dividends to net income (ytd only)* | 131.0861% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6383% | 3,425 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2410% | 6,364 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 37.1385% | 6,694 |
| Net loans and leases to deposits | 41.5383% | 6,813 |
| Net loans and leases to core deposits | 43.4922% | 6,833 |
| Total domestic deposits to total assets | 89.4079% | 1,312 |
| Equity capital to assets | 10.4354% | 3,606 |
| Core capital (leverage) ratio | 8.4816% | 5,589 |
| Tier 1 risk-based capital ratio | 16.3885% | 2,868 |
| Total risk-based capital ratio | 17.5729% | 2,865 |
| Memoranda: | ||
| Average total assets | $24,621,600 | 7,117 |
| Average earning assets | $22,416,600 | 7,096 |
| Average equity | $2,245,200 | 7,173 |
| Average total loans | $9,902,000 | 7,119 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4428% | 5,453 |
| Cost of funding earning assets | 1.0089% | 3,617 |
| Net interest margin | 3.4339% | 5,447 |
| Noninterest income to average assets | 0.1249% | 6,634 |
| Noninterest expense to average assets | 2.5739% | 5,177 |
| Loan and lease loss provision to assets | 0.1901% | 4,129 |
| Net operating income to assets | 0.5213% | 4,452 |
| Return on assets (ROA) | 1.2978% | 1,475 |
| Pretax return on assets | 1.2978% | 2,293 |
| Return on Equity (ROE) | 14.7733% | 875 |
| Retained earnings to average equity (ytd only) | -6.8614% | 6,694 |
| Net charge-offs to loans | 0.9041% | 1,767 |
| Credit loss provision to net charge-offs | 51.4706% | 5,002 |
| Earnings coverage of net charge-offs (x) | 1.9265% | 4,206 |
| Efficiency ratio | 78.3471% | 2,501 |
| Assets per employee ($millions) | 4.1382% | 3,571 |
| Cash dividends to net income (ytd only)* | 146.4445% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 5,560 |
| Loan loss allowance to noncurrent loans | 45.0909% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 1.3734% | 4,074 |
| Noncurrent loans to loans | 2.6099% | 2,660 |
| Net loans and leases to total assets | 41.9389% | 6,509 |
| Net loans and leases to deposits | 46.7874% | 6,698 |
| Net loans and leases to core deposits | 48.9885% | 6,714 |
| Total domestic deposits to total assets | 89.6371% | 1,075 |
| Equity capital to assets | 10.1414% | 4,166 |
| Core capital (leverage) ratio | 8.5676% | 5,602 |
| Tier 1 risk-based capital ratio | 15.2912% | 3,497 |
| Total risk-based capital ratio | 16.1928% | 3,667 |
| Memoranda: | ||
| Average total assets | $24,553,000 | 7,186 |
| Average earning assets | $22,597,750 | 7,161 |
| Average equity | $2,157,000 | 7,261 |
| Average total loans | $10,027,500 | 7,188 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6135% | 4,912 |
| Cost of funding earning assets | 1.0449% | 3,641 |
| Net interest margin | 3.5686% | 4,844 |
| Noninterest income to average assets | 0.1390% | 6,629 |
| Noninterest expense to average assets | 2.4611% | 5,662 |
| Loan and lease loss provision to assets | 0.1635% | 4,296 |
| Net operating income to assets | 0.8095% | 3,026 |
| Return on assets (ROA) | 1.5290% | 891 |
| Pretax return on assets | 1.5290% | 1,442 |
| Return on Equity (ROE) | 18.3633% | 433 |
| Retained earnings to average equity (ytd only) | -16.0065% | 7,062 |
| Net charge-offs to loans | 0.6290% | 2,261 |
| Credit loss provision to net charge-offs | 64.5161% | 4,222 |
| Earnings coverage of net charge-offs (x) | 3.8387% | 3,037 |
| Efficiency ratio | 71.6667% | 3,807 |
| Assets per employee ($millions) | 4.1367% | 3,475 |
| Cash dividends to net income (ytd only)* | 187.1658% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4180% | 4,485 |
| Loan loss allowance to noncurrent loans | 184.8101% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.3183% | 6,333 |
| Noncurrent loans to loans | 0.7673% | 5,376 |
| Net loans and leases to total assets | 40.8944% | 6,679 |
| Net loans and leases to deposits | 46.5810% | 6,800 |
| Net loans and leases to core deposits | 49.4374% | 6,786 |
| Total domestic deposits to total assets | 87.7921% | 2,289 |
| Equity capital to assets | 8.9807% | 5,607 |
| Core capital (leverage) ratio | 8.2555% | 5,937 |
| Tier 1 risk-based capital ratio | 14.8151% | 3,602 |
| Total risk-based capital ratio | 15.8697% | 3,684 |
| Memoranda: | ||
| Average total assets | $24,461,000 | 7,257 |
| Average earning assets | $22,586,000 | 7,230 |
| Average equity | $2,036,670 | 7,340 |
| Average total loans | $9,857,670 | 7,262 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6332% | 4,808 |
| Cost of funding earning assets | 1.0336% | 3,964 |
| Net interest margin | 3.5997% | 4,570 |
| Noninterest income to average assets | 0.0988% | 6,922 |
| Noninterest expense to average assets | 2.5040% | 5,534 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9225% | 2,471 |
| Return on assets (ROA) | 1.0214% | 2,151 |
| Pretax return on assets | 1.0214% | 3,053 |
| Return on Equity (ROE) | 12.7802% | 1,252 |
| Retained earnings to average equity (ytd only) | -59.3661% | 7,423 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0769% | 3,663 |
| Assets per employee ($millions) | 4.1355% | 3,569 |
| Cash dividends to net income (ytd only)* | 564.5161% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 3,706 |
| Loan loss allowance to noncurrent loans | 191.4634% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.3305% | 6,372 |
| Noncurrent loans to loans | 0.8384% | 5,362 |
| Net loans and leases to total assets | 38.7861% | 6,856 |
| Net loans and leases to deposits | 45.1005% | 6,907 |
| Net loans and leases to core deposits | 47.9307% | 6,879 |
| Total domestic deposits to total assets | 85.9993% | 3,529 |
| Equity capital to assets | 7.7661% | 6,701 |
| Core capital (leverage) ratio | 8.0495% | 6,194 |
| Tier 1 risk-based capital ratio | 14.1576% | 3,965 |
| Total risk-based capital ratio | 15.3117% | 4,010 |
| Memoranda: | ||
| Average total assets | $24,281,500 | 7,308 |
| Average earning assets | $22,446,500 | 7,283 |
| Average equity | $1,940,500 | 7,403 |
| Average total loans | $9,638,500 | 7,328 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0030% | 4,542 |
| Cost of funding earning assets | 1.3215% | 3,743 |
| Net interest margin | 3.6815% | 4,436 |
| Noninterest income to average assets | 0.1366% | 6,707 |
| Noninterest expense to average assets | 3.0486% | 3,662 |
| Loan and lease loss provision to assets | 0.1687% | 5,535 |
| Net operating income to assets | 0.2651% | 5,056 |
| Return on assets (ROA) | 1.8115% | 438 |
| Pretax return on assets | 1.8115% | 739 |
| Return on Equity (ROE) | 21.8338% | 167 |
| Retained earnings to average equity (ytd only) | 12.1514% | 264 |
| Net charge-offs to loans | 1.0669% | 2,075 |
| Credit loss provision to net charge-offs | 36.5217% | 6,432 |
| Earnings coverage of net charge-offs (x) | 0.9391% | 5,172 |
| Efficiency ratio | 87.5433% | 1,516 |
| Assets per employee ($millions) | 3.9583% | 3,867 |
| Cash dividends to net income (ytd only)* | 44.3459% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6533% | 3,386 |
| Loan loss allowance to noncurrent loans | 191.4634% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 1.0526% | 4,902 |
| Noncurrent loans to loans | 0.8635% | 5,337 |
| Net loans and leases to total assets | 39.3221% | 7,005 |
| Net loans and leases to deposits | 45.0289% | 7,078 |
| Net loans and leases to core deposits | 46.7324% | 7,119 |
| Total domestic deposits to total assets | 87.3263% | 2,651 |
| Equity capital to assets | 8.2274% | 6,231 |
| Core capital (leverage) ratio | 9.1742% | 4,223 |
| Tier 1 risk-based capital ratio | 16.8275% | 2,413 |
| Total risk-based capital ratio | 18.0208% | 2,399 |
| Memoranda: | ||
| Average total assets | $24,896,400 | 7,350 |
| Average earning assets | $22,626,600 | 7,332 |
| Average equity | $2,065,600 | 7,493 |
| Average total loans | $10,778,800 | 7,359 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1454% | 4,095 |
| Cost of funding earning assets | 1.3636% | 3,811 |
| Net interest margin | 3.7819% | 4,053 |
| Noninterest income to average assets | 0.1006% | 7,043 |
| Noninterest expense to average assets | 2.7108% | 4,832 |
| Loan and lease loss provision to assets | 0.0318% | 6,754 |
| Net operating income to assets | 0.7942% | 3,025 |
| Return on assets (ROA) | 1.7895% | 567 |
| Pretax return on assets | 1.7895% | 943 |
| Return on Equity (ROE) | 21.5266% | 217 |
| Retained earnings to average equity (ytd only) | 8.7891% | 1,122 |
| Net charge-offs to loans | 1.4415% | 1,412 |
| Credit loss provision to net charge-offs | 5.0000% | 6,356 |
| Earnings coverage of net charge-offs (x) | 1.2999% | 4,778 |
| Efficiency ratio | 76.6467% | 2,823 |
| Assets per employee ($millions) | 4.0350% | 3,761 |
| Cash dividends to net income (ytd only)* | 59.1710% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 6,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7022% | 5,709 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 43.8786% | 6,852 |
| Net loans and leases to deposits | 49.2535% | 7,032 |
| Net loans and leases to core deposits | 53.6190% | 6,976 |
| Total domestic deposits to total assets | 89.0872% | 1,347 |
| Equity capital to assets | 10.6237% | 3,383 |
| Core capital (leverage) ratio | 8.7030% | 5,180 |
| Tier 1 risk-based capital ratio | 15.2158% | 3,144 |
| Total risk-based capital ratio | 16.0559% | 3,320 |
| Memoranda: | ||
| Average total assets | $25,183,000 | 7,433 |
| Average earning assets | $22,880,500 | 7,423 |
| Average equity | $2,093,500 | 7,584 |
| Average total loans | $11,099,500 | 7,440 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1924% | 3,997 |
| Cost of funding earning assets | 1.4006% | 3,873 |
| Net interest margin | 3.7918% | 3,930 |
| Noninterest income to average assets | 0.0862% | 7,148 |
| Noninterest expense to average assets | 2.7443% | 4,723 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8233% | 2,860 |
| Return on assets (ROA) | 1.3330% | 1,310 |
| Pretax return on assets | 1.3330% | 2,000 |
| Return on Equity (ROE) | 17.5801% | 508 |
| Retained earnings to average equity (ytd only) | -3.1024% | 6,314 |
| Net charge-offs to loans | 2.2104% | 809 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 0.8468% | 4,927 |
| Efficiency ratio | 76.9231% | 2,904 |
| Assets per employee ($millions) | 3.9865% | 3,796 |
| Cash dividends to net income (ytd only)* | 117.6471% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 6,525 |
| Loan loss allowance to noncurrent loans | 54.9223% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 1.5176% | 4,180 |
| Noncurrent loans to loans | 1.7645% | 4,040 |
| Net loans and leases to total assets | 45.2862% | 6,823 |
| Net loans and leases to deposits | 49.9148% | 7,071 |
| Net loans and leases to core deposits | 55.6972% | 6,958 |
| Total domestic deposits to total assets | 90.7270% | 590 |
| Equity capital to assets | 8.9887% | 5,465 |
| Core capital (leverage) ratio | 7.6400% | 6,688 |
| Tier 1 risk-based capital ratio | 13.8022% | 3,876 |
| Total risk-based capital ratio | 14.5591% | 4,163 |
| Memoranda: | ||
| Average total assets | $25,507,330 | 7,485 |
| Average earning assets | $23,418,670 | 7,456 |
| Average equity | $1,934,000 | 7,672 |
| Average total loans | $11,219,670 | 7,494 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1912% | 4,072 |
| Cost of funding earning assets | 1.3832% | 4,283 |
| Net interest margin | 3.8080% | 3,767 |
| Noninterest income to average assets | 0.1521% | 6,879 |
| Noninterest expense to average assets | 2.5854% | 5,414 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1254% | 1,752 |
| Return on assets (ROA) | 1.1254% | 1,831 |
| Pretax return on assets | 1.1254% | 2,651 |
| Return on Equity (ROE) | 16.2103% | 689 |
| Retained earnings to average equity (ytd only) | -27.6013% | 7,505 |
| Net charge-offs to loans | 1.6901% | 1,024 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.5417% | 3,806 |
| Efficiency ratio | 69.6721% | 4,373 |
| Assets per employee ($millions) | 4.3833% | 3,155 |
| Cash dividends to net income (ytd only)* | 270.2703% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6238% | 3,351 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7605% | 5,630 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 41.9240% | 7,133 |
| Net loans and leases to deposits | 48.6606% | 7,199 |
| Net loans and leases to core deposits | 56.8175% | 6,947 |
| Total domestic deposits to total assets | 86.1559% | 3,065 |
| Equity capital to assets | 6.9011% | 7,410 |
| Core capital (leverage) ratio | 6.9912% | 7,257 |
| Tier 1 risk-based capital ratio | 12.5026% | 4,748 |
| Total risk-based capital ratio | 13.7344% | 4,717 |
| Memoranda: | ||
| Average total assets | $26,301,500 | 7,553 |
| Average earning assets | $24,580,000 | 7,512 |
| Average equity | $1,826,000 | 7,782 |
| Average total loans | $11,360,500 | 7,576 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4839% | 4,233 |
| Cost of funding earning assets | 1.7930% | 4,025 |
| Net interest margin | 3.6910% | 4,184 |
| Noninterest income to average assets | 0.1672% | 6,884 |
| Noninterest expense to average assets | 2.3781% | 6,530 |
| Loan and lease loss provision to assets | 0.4559% | 4,093 |
| Net operating income to assets | 0.8016% | 2,532 |
| Return on assets (ROA) | 0.8016% | 2,616 |
| Pretax return on assets | 0.8054% | 3,229 |
| Return on Equity (ROE) | 11.2774% | 1,359 |
| Retained earnings to average equity (ytd only) | -2.4051% | 5,598 |
| Net charge-offs to loans | 0.6884% | 3,126 |
| Credit loss provision to net charge-offs | 144.5783% | 3,299 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,107 |
| Efficiency ratio | 65.3445% | 5,528 |
| Assets per employee ($millions) | 4.3838% | 3,144 |
| Cash dividends to net income (ytd only)* | 121.3270% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9977% | 2,032 |
| Loan loss allowance to noncurrent loans | 176.9231% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.4942% | 6,214 |
| Noncurrent loans to loans | 1.1292% | 5,075 |
| Net loans and leases to total assets | 42.8962% | 7,195 |
| Net loans and leases to deposits | 47.2329% | 7,384 |
| Net loans and leases to core deposits | 61.6322% | 7,207 |
| Total domestic deposits to total assets | 90.8185% | 605 |
| Equity capital to assets | 6.9840% | 7,376 |
| Core capital (leverage) ratio | 7.2771% | 7,004 |
| Tier 1 risk-based capital ratio | 12.2100% | 4,759 |
| Total risk-based capital ratio | 13.4602% | 4,724 |
| Memoranda: | ||
| Average total assets | $26,323,600 | 7,601 |
| Average earning assets | $24,763,200 | 7,556 |
| Average equity | $1,871,000 | 7,866 |
| Average total loans | $12,057,200 | 7,598 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4568% | 4,648 |
| Cost of funding earning assets | 1.8709% | 4,041 |
| Net interest margin | 3.5859% | 4,534 |
| Noninterest income to average assets | 0.1671% | 7,016 |
| Noninterest expense to average assets | 2.3953% | 6,429 |
| Loan and lease loss provision to assets | 0.1519% | 5,831 |
| Net operating income to assets | 0.9976% | 2,069 |
| Return on assets (ROA) | 0.9976% | 2,125 |
| Pretax return on assets | 0.9976% | 2,914 |
| Return on Equity (ROE) | 13.9750% | 938 |
| Retained earnings to average equity (ytd only) | -3.7595% | 6,071 |
| Net charge-offs to loans | 0.7435% | 2,506 |
| Credit loss provision to net charge-offs | 44.1176% | 6,383 |
| Earnings coverage of net charge-offs (x) | 3.3384% | 3,571 |
| Efficiency ratio | 67.5714% | 5,063 |
| Assets per employee ($millions) | 4.5218% | 2,831 |
| Cash dividends to net income (ytd only)* | 126.9055% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 4,462 |
| Loan loss allowance to noncurrent loans | 104.7297% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 6,093 |
| Noncurrent loans to loans | 1.2475% | 4,857 |
| Net loans and leases to total assets | 43.1573% | 7,304 |
| Net loans and leases to deposits | 50.5330% | 7,385 |
| Net loans and leases to core deposits | 64.6870% | 7,216 |
| Total domestic deposits to total assets | 85.4042% | 3,023 |
| Equity capital to assets | 7.5596% | 7,253 |
| Core capital (leverage) ratio | 7.3422% | 7,145 |
| Tier 1 risk-based capital ratio | 12.3058% | 4,702 |
| Total risk-based capital ratio | 13.2845% | 4,880 |
| Memoranda: | ||
| Average total assets | $26,328,750 | 7,668 |
| Average earning assets | $24,800,250 | 7,623 |
| Average equity | $1,879,500 | 7,943 |
| Average total loans | $12,193,250 | 7,663 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6467% | 3,834 |
| Cost of funding earning assets | 1.9257% | 4,133 |
| Net interest margin | 3.7209% | 3,872 |
| Noninterest income to average assets | 0.1688% | 7,082 |
| Noninterest expense to average assets | 2.4020% | 6,452 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2662% | 1,311 |
| Return on assets (ROA) | 1.2662% | 1,393 |
| Pretax return on assets | 1.2662% | 2,117 |
| Return on Equity (ROE) | 18.1087% | 488 |
| Retained earnings to average equity (ytd only) | -9.3287% | 6,802 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4812% | 5,632 |
| Assets per employee ($millions) | 4.3798% | 2,966 |
| Cash dividends to net income (ytd only)* | 151.5152% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6055% | 2,712 |
| Loan loss allowance to noncurrent loans | 83.5498% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.8790% | 5,232 |
| Noncurrent loans to loans | 1.9216% | 3,643 |
| Net loans and leases to total assets | 45.0093% | 7,264 |
| Net loans and leases to deposits | 50.4091% | 7,469 |
| Net loans and leases to core deposits | 63.3699% | 7,324 |
| Total domestic deposits to total assets | 89.2880% | 1,129 |
| Equity capital to assets | 6.4310% | 7,834 |
| Core capital (leverage) ratio | 7.4103% | 7,127 |
| Tier 1 risk-based capital ratio | 12.6410% | 4,402 |
| Total risk-based capital ratio | 13.8814% | 4,337 |
| Memoranda: | ||
| Average total assets | $26,061,330 | 7,752 |
| Average earning assets | $24,510,000 | 7,702 |
| Average equity | $1,822,330 | 8,035 |
| Average total loans | $12,303,000 | 7,739 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7061% | 3,775 |
| Cost of funding earning assets | 1.9840% | 4,211 |
| Net interest margin | 3.7221% | 3,795 |
| Noninterest income to average assets | 0.0925% | 7,590 |
| Noninterest expense to average assets | 2.2657% | 6,644 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3255% | 1,323 |
| Return on assets (ROA) | 1.3255% | 1,426 |
| Pretax return on assets | 1.3255% | 2,192 |
| Return on Equity (ROE) | 18.2155% | 575 |
| Retained earnings to average equity (ytd only) | -34.7366% | 7,910 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0901% | 5,857 |
| Assets per employee ($millions) | 4.4058% | 2,870 |
| Cash dividends to net income (ytd only)* | 290.6977% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5442% | 2,739 |
| Loan loss allowance to noncurrent loans | 35.5433% | 6,182 |
| Noncurrent assets plus other real estate owned to assets | 2.0541% | 2,816 |
| Noncurrent loans to loans | 4.3447% | 1,344 |
| Net loans and leases to total assets | 46.5481% | 7,152 |
| Net loans and leases to deposits | 54.6549% | 7,242 |
| Net loans and leases to core deposits | 70.0222% | 7,016 |
| Total domestic deposits to total assets | 85.1674% | 3,124 |
| Equity capital to assets | 6.8621% | 7,740 |
| Core capital (leverage) ratio | 7.1654% | 7,516 |
| Tier 1 risk-based capital ratio | 11.7851% | 5,141 |
| Total risk-based capital ratio | 13.0226% | 5,068 |
| Memoranda: | ||
| Average total assets | $25,952,500 | 7,802 |
| Average earning assets | $24,395,000 | 7,747 |
| Average equity | $1,888,500 | 8,074 |
| Average total loans | $12,444,000 | 7,779 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2936% | 3,994 |
| Cost of funding earning assets | 2.3607% | 4,891 |
| Net interest margin | 3.9330% | 3,431 |
| Noninterest income to average assets | 0.1662% | 7,233 |
| Noninterest expense to average assets | 2.4521% | 6,197 |
| Loan and lease loss provision to assets | 0.3616% | 3,519 |
| Net operating income to assets | 1.0640% | 2,287 |
| Return on assets (ROA) | 1.0640% | 2,195 |
| Pretax return on assets | 1.0640% | 3,164 |
| Return on Equity (ROE) | 13.3042% | 1,256 |
| Retained earnings to average equity (ytd only) | 1.7670% | 4,145 |
| Net charge-offs to loans | 0.4401% | 2,632 |
| Credit loss provision to net charge-offs | 170.5882% | 2,996 |
| Earnings coverage of net charge-offs (x) | 6.7255% | 3,291 |
| Efficiency ratio | 63.2369% | 5,728 |
| Assets per employee ($millions) | 4.2450% | 3,043 |
| Cash dividends to net income (ytd only)* | 86.7188% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5577% | 2,415 |
| Loan loss allowance to noncurrent loans | 35.5433% | 6,373 |
| Noncurrent assets plus other real estate owned to assets | 2.1319% | 2,303 |
| Noncurrent loans to loans | 4.3826% | 1,090 |
| Net loans and leases to total assets | 47.8877% | 7,196 |
| Net loans and leases to deposits | 55.6839% | 7,345 |
| Net loans and leases to core deposits | 67.1419% | 7,320 |
| Total domestic deposits to total assets | 85.9992% | 2,401 |
| Equity capital to assets | 7.7071% | 7,193 |
| Core capital (leverage) ratio | 7.9208% | 6,617 |
| Tier 1 risk-based capital ratio | 13.0313% | 4,090 |
| Total risk-based capital ratio | 14.2839% | 3,999 |
| Memoranda: | ||
| Average total assets | $24,061,000 | 7,867 |
| Average earning assets | $22,705,600 | 7,832 |
| Average equity | $1,924,200 | 8,133 |
| Average total loans | $11,588,200 | 7,858 |