Home > Los Angeles National Bank > Performance and Condition Ratios
Los Angeles National 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 | 3.7802% | 4,892 |
| Cost of funding earning assets | 0.4934% | 4,147 |
| Net interest margin | 3.2867% | 4,567 |
| Noninterest income to average assets | 0.1931% | 6,095 |
| Noninterest expense to average assets | 2.7682% | 3,805 |
| Loan and lease loss provision to assets | 0.1246% | 2,677 |
| Net operating income to assets | 0.3987% | 5,136 |
| Return on assets (ROA) | 0.3987% | 5,279 |
| Pretax return on assets | 0.3987% | 5,563 |
| Return on Equity (ROE) | 2.7018% | 5,709 |
| Retained earnings to average equity (ytd only) | 2.7018% | 4,666 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1009% | 1,753 |
| Assets per employee ($millions) | 5.2106% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6178% | 994 |
| Loan loss allowance to noncurrent loans | 82.2108% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 2.5660% | 1,788 |
| Noncurrent loans to loans | 3.1843% | 1,547 |
| Net loans and leases to total assets | 65.0055% | 2,539 |
| Net loans and leases to deposits | 76.4733% | 2,557 |
| Net loans and leases to core deposits | 101.4572% | 860 |
| Total domestic deposits to total assets | 85.0041% | 4,036 |
| Equity capital to assets | 14.7874% | 808 |
| Core capital (leverage) ratio | 14.2651% | 725 |
| Tier 1 risk-based capital ratio | 23.8489% | 1,035 |
| Total risk-based capital ratio | 25.1200% | 1,013 |
| Memoranda: | ||
| Average total assets | $192,615,500 | 3,188 |
| Average earning assets | $181,580,000 | 3,124 |
| Average equity | $28,425,500 | 2,421 |
| Average total loans | $128,309,500 | 2,919 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5136% | 6,346 |
| Cost of funding earning assets | 0.6002% | 4,354 |
| Net interest margin | 2.9134% | 6,202 |
| Noninterest income to average assets | 0.2533% | 5,652 |
| Noninterest expense to average assets | 2.4067% | 5,387 |
| Loan and lease loss provision to assets | 0.1050% | 4,325 |
| Net operating income to assets | 0.3826% | 5,168 |
| Return on assets (ROA) | 0.4139% | 5,295 |
| Pretax return on assets | 0.5112% | 5,250 |
| Return on Equity (ROE) | 2.8828% | 5,595 |
| Retained earnings to average equity (ytd only) | 2.8828% | 4,211 |
| Net charge-offs to loans | 0.6755% | 1,747 |
| Credit loss provision to net charge-offs | 24.1420% | 5,222 |
| Earnings coverage of net charge-offs (x) | 1.3278% | 4,798 |
| Efficiency ratio | 80.6452% | 2,063 |
| Assets per employee ($millions) | 5.0642% | 2,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5867% | 1,031 |
| Loan loss allowance to noncurrent loans | 51.1754% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 3.9686% | 1,082 |
| Noncurrent loans to loans | 5.0546% | 783 |
| Net loans and leases to total assets | 64.7559% | 2,764 |
| Net loans and leases to deposits | 76.0371% | 2,805 |
| Net loans and leases to core deposits | 101.0870% | 956 |
| Total domestic deposits to total assets | 85.1635% | 3,782 |
| Equity capital to assets | 14.7279% | 813 |
| Core capital (leverage) ratio | 14.0804% | 779 |
| Tier 1 risk-based capital ratio | 23.3675% | 1,055 |
| Total risk-based capital ratio | 24.6460% | 1,032 |
| Memoranda: | ||
| Average total assets | $194,251,800 | 3,121 |
| Average earning assets | $182,092,400 | 3,060 |
| Average equity | $27,889,600 | 2,401 |
| Average total loans | $125,085,600 | 2,983 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5218% | 6,487 |
| Cost of funding earning assets | 0.6172% | 4,478 |
| Net interest margin | 2.9046% | 6,351 |
| Noninterest income to average assets | 0.2554% | 5,738 |
| Noninterest expense to average assets | 2.4426% | 5,261 |
| Loan and lease loss provision to assets | 0.1397% | 3,787 |
| Net operating income to assets | 0.2796% | 5,683 |
| Return on assets (ROA) | 0.2383% | 6,003 |
| Pretax return on assets | 0.3349% | 5,886 |
| Return on Equity (ROE) | 1.6704% | 6,110 |
| Retained earnings to average equity (ytd only) | 1.6704% | 5,498 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0944% | 1,798 |
| Assets per employee ($millions) | 5.2353% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4193% | 499 |
| Loan loss allowance to noncurrent loans | 37.4091% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 6.1877% | 636 |
| Noncurrent loans to loans | 9.1403% | 297 |
| Net loans and leases to total assets | 59.1630% | 3,939 |
| Net loans and leases to deposits | 68.9469% | 4,041 |
| Net loans and leases to core deposits | 92.2696% | 1,756 |
| Total domestic deposits to total assets | 85.8094% | 3,358 |
| Equity capital to assets | 14.0322% | 1,142 |
| Core capital (leverage) ratio | 13.8578% | 883 |
| Tier 1 risk-based capital ratio | 23.1315% | 1,155 |
| Total risk-based capital ratio | 24.4104% | 1,125 |
| Memoranda: | ||
| Average total assets | $194,705,250 | 3,150 |
| Average earning assets | $182,325,500 | 3,087 |
| Average equity | $27,776,500 | 2,434 |
| Average total loans | $124,376,000 | 3,027 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5998% | 6,487 |
| Cost of funding earning assets | 0.6323% | 4,607 |
| Net interest margin | 2.9675% | 6,301 |
| Noninterest income to average assets | 0.2638% | 5,694 |
| Noninterest expense to average assets | 2.4491% | 5,298 |
| Loan and lease loss provision to assets | 0.2028% | 3,052 |
| Net operating income to assets | 0.2271% | 5,838 |
| Return on assets (ROA) | 0.1987% | 6,104 |
| Pretax return on assets | 0.3404% | 5,860 |
| Return on Equity (ROE) | 1.3848% | 6,219 |
| Retained earnings to average equity (ytd only) | 1.3848% | 5,505 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6474% | 2,080 |
| Assets per employee ($millions) | 5.0187% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4344% | 520 |
| Loan loss allowance to noncurrent loans | 36.8654% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 6.3802% | 645 |
| Noncurrent loans to loans | 9.3159% | 309 |
| Net loans and leases to total assets | 59.7747% | 3,866 |
| Net loans and leases to deposits | 69.7856% | 3,933 |
| Net loans and leases to core deposits | 89.9963% | 1,986 |
| Total domestic deposits to total assets | 85.6547% | 3,531 |
| Equity capital to assets | 14.2145% | 1,008 |
| Core capital (leverage) ratio | 13.6286% | 927 |
| Tier 1 risk-based capital ratio | 22.2589% | 1,243 |
| Total risk-based capital ratio | 23.5684% | 1,215 |
| Memoranda: | ||
| Average total assets | $193,293,000 | 3,175 |
| Average earning assets | $180,621,330 | 3,122 |
| Average equity | $27,730,000 | 2,420 |
| Average total loans | $125,212,330 | 3,023 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8167% | 6,210 |
| Cost of funding earning assets | 0.6581% | 4,655 |
| Net interest margin | 3.1585% | 5,884 |
| Noninterest income to average assets | 0.2686% | 5,728 |
| Noninterest expense to average assets | 2.4969% | 5,161 |
| Loan and lease loss provision to assets | 0.0208% | 5,077 |
| Net operating income to assets | 0.4552% | 5,013 |
| Return on assets (ROA) | 0.4332% | 5,298 |
| Pretax return on assets | 0.6560% | 4,924 |
| Return on Equity (ROE) | 3.0053% | 5,716 |
| Retained earnings to average equity (ytd only) | 3.0053% | 4,750 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8571% | 2,518 |
| Assets per employee ($millions) | 5.4603% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4833% | 543 |
| Loan loss allowance to noncurrent loans | 50.1901% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 4.7569% | 1,107 |
| Noncurrent loans to loans | 6.9403% | 650 |
| Net loans and leases to total assets | 57.4141% | 4,141 |
| Net loans and leases to deposits | 67.2951% | 4,181 |
| Net loans and leases to core deposits | 87.6747% | 2,090 |
| Total domestic deposits to total assets | 85.3168% | 3,875 |
| Equity capital to assets | 14.5377% | 853 |
| Core capital (leverage) ratio | 13.7270% | 873 |
| Tier 1 risk-based capital ratio | 22.8412% | 1,153 |
| Total risk-based capital ratio | 24.1193% | 1,133 |
| Memoranda: | ||
| Average total assets | $192,074,500 | 3,212 |
| Average earning assets | $178,690,500 | 3,163 |
| Average equity | $27,684,000 | 2,412 |
| Average total loans | $127,239,500 | 2,995 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6922% | 4,279 |
| Cost of funding earning assets | 0.8723% | 4,307 |
| Net interest margin | 3.8199% | 3,724 |
| Noninterest income to average assets | 0.2626% | 5,657 |
| Noninterest expense to average assets | 2.7025% | 4,737 |
| Loan and lease loss provision to assets | 0.5404% | 1,944 |
| Net operating income to assets | 0.3052% | 5,229 |
| Return on assets (ROA) | 0.3091% | 5,375 |
| Pretax return on assets | 0.5444% | 4,859 |
| Return on Equity (ROE) | 2.2462% | 5,563 |
| Retained earnings to average equity (ytd only) | 2.2462% | 4,612 |
| Net charge-offs to loans | 0.6878% | 2,434 |
| Credit loss provision to net charge-offs | 118.2320% | 2,715 |
| Earnings coverage of net charge-offs (x) | 2.3602% | 4,039 |
| Efficiency ratio | 71.4705% | 3,697 |
| Assets per employee ($millions) | 5.2173% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8055% | 974 |
| Loan loss allowance to noncurrent loans | 49.1844% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 4.7825% | 1,135 |
| Noncurrent loans to loans | 5.7040% | 910 |
| Net loans and leases to total assets | 70.8898% | 1,845 |
| Net loans and leases to deposits | 83.4034% | 2,009 |
| Net loans and leases to core deposits | 108.3689% | 681 |
| Total domestic deposits to total assets | 84.9963% | 3,849 |
| Equity capital to assets | 14.2899% | 972 |
| Core capital (leverage) ratio | 13.6040% | 924 |
| Tier 1 risk-based capital ratio | 22.1413% | 1,222 |
| Total risk-based capital ratio | 23.4181% | 1,187 |
| Memoranda: | ||
| Average total assets | $198,003,600 | 3,075 |
| Average earning assets | $182,388,600 | 3,057 |
| Average equity | $27,246,600 | 2,376 |
| Average total loans | $131,571,600 | 2,961 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8136% | 3,963 |
| Cost of funding earning assets | 0.9208% | 4,269 |
| Net interest margin | 3.8928% | 3,411 |
| Noninterest income to average assets | 0.3031% | 5,442 |
| Noninterest expense to average assets | 2.8039% | 4,329 |
| Loan and lease loss provision to assets | 0.5581% | 1,761 |
| Net operating income to assets | 0.3214% | 5,319 |
| Return on assets (ROA) | 0.3266% | 5,469 |
| Pretax return on assets | 0.5280% | 5,049 |
| Return on Equity (ROE) | 2.3954% | 5,655 |
| Retained earnings to average equity (ytd only) | 2.3954% | 4,925 |
| Net charge-offs to loans | 0.9335% | 1,727 |
| Credit loss provision to net charge-offs | 92.1547% | 3,703 |
| Earnings coverage of net charge-offs (x) | 1.7801% | 4,323 |
| Efficiency ratio | 72.2289% | 3,508 |
| Assets per employee ($millions) | 5.2661% | 1,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2345% | 699 |
| Loan loss allowance to noncurrent loans | 112.9219% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 2.3280% | 2,755 |
| Noncurrent loans to loans | 2.8644% | 2,435 |
| Net loans and leases to total assets | 57.0250% | 4,680 |
| Net loans and leases to deposits | 66.9355% | 4,765 |
| Net loans and leases to core deposits | 87.5966% | 2,547 |
| Total domestic deposits to total assets | 85.1939% | 3,683 |
| Equity capital to assets | 14.1276% | 1,111 |
| Core capital (leverage) ratio | 13.0701% | 1,202 |
| Tier 1 risk-based capital ratio | 21.0103% | 1,452 |
| Total risk-based capital ratio | 22.2826% | 1,428 |
| Memoranda: | ||
| Average total assets | $199,244,750 | 3,085 |
| Average earning assets | $183,172,500 | 3,062 |
| Average equity | $27,162,000 | 2,384 |
| Average total loans | $129,265,750 | 3,022 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0250% | 3,041 |
| Cost of funding earning assets | 0.9650% | 4,213 |
| Net interest margin | 4.0600% | 2,571 |
| Noninterest income to average assets | 0.4504% | 4,280 |
| Noninterest expense to average assets | 2.8499% | 4,232 |
| Loan and lease loss provision to assets | 0.8061% | 1,138 |
| Net operating income to assets | 0.3212% | 5,286 |
| Return on assets (ROA) | 0.3288% | 5,386 |
| Pretax return on assets | 0.5291% | 4,973 |
| Return on Equity (ROE) | 2.4408% | 5,625 |
| Retained earnings to average equity (ytd only) | 2.4408% | 4,731 |
| Net charge-offs to loans | 1.3499% | 1,131 |
| Credit loss provision to net charge-offs | 89.3923% | 3,467 |
| Earnings coverage of net charge-offs (x) | 1.4674% | 4,183 |
| Efficiency ratio | 68.2904% | 4,465 |
| Assets per employee ($millions) | 4.9038% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0350% | 863 |
| Loan loss allowance to noncurrent loans | 109.7590% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 2.3551% | 2,796 |
| Noncurrent loans to loans | 2.7651% | 2,634 |
| Net loans and leases to total assets | 58.6216% | 4,525 |
| Net loans and leases to deposits | 68.3724% | 4,651 |
| Net loans and leases to core deposits | 89.1461% | 2,479 |
| Total domestic deposits to total assets | 85.7387% | 3,476 |
| Equity capital to assets | 13.6247% | 1,236 |
| Core capital (leverage) ratio | 12.9839% | 1,169 |
| Tier 1 risk-based capital ratio | 19.3265% | 1,754 |
| Total risk-based capital ratio | 20.5961% | 1,725 |
| Memoranda: | ||
| Average total assets | $200,711,000 | 3,092 |
| Average earning assets | $184,038,670 | 3,073 |
| Average equity | $27,040,330 | 2,380 |
| Average total loans | $134,079,330 | 2,962 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9847% | 3,167 |
| Cost of funding earning assets | 1.0236% | 4,038 |
| Net interest margin | 3.9611% | 2,864 |
| Noninterest income to average assets | 0.3650% | 4,990 |
| Noninterest expense to average assets | 2.7905% | 4,484 |
| Loan and lease loss provision to assets | 0.6782% | 1,257 |
| Net operating income to assets | 0.3072% | 5,375 |
| Return on assets (ROA) | 0.3072% | 5,447 |
| Pretax return on assets | 0.5086% | 4,998 |
| Return on Equity (ROE) | 2.2930% | 5,689 |
| Retained earnings to average equity (ytd only) | 2.2930% | 4,778 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1605% | 4,225 |
| Assets per employee ($millions) | 4.7383% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0211% | 903 |
| Loan loss allowance to noncurrent loans | 41.9762% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 6.1414% | 924 |
| Noncurrent loans to loans | 7.1973% | 747 |
| Net loans and leases to total assets | 66.5362% | 2,875 |
| Net loans and leases to deposits | 78.1322% | 3,038 |
| Net loans and leases to core deposits | 101.8710% | 1,210 |
| Total domestic deposits to total assets | 85.1585% | 3,969 |
| Equity capital to assets | 13.5627% | 1,160 |
| Core capital (leverage) ratio | 12.4507% | 1,346 |
| Tier 1 risk-based capital ratio | 16.5204% | 2,653 |
| Total risk-based capital ratio | 17.7895% | 2,621 |
| Memoranda: | ||
| Average total assets | $200,539,500 | 3,106 |
| Average earning assets | $182,880,500 | 3,099 |
| Average equity | $26,864,000 | 2,391 |
| Average total loans | $140,344,000 | 2,879 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1904% | 3,656 |
| Cost of funding earning assets | 1.2851% | 3,981 |
| Net interest margin | 3.9053% | 3,460 |
| Noninterest income to average assets | 0.2510% | 6,004 |
| Noninterest expense to average assets | 2.5179% | 5,721 |
| Loan and lease loss provision to assets | 0.7285% | 2,251 |
| Net operating income to assets | 0.3829% | 4,623 |
| Return on assets (ROA) | 0.3829% | 4,767 |
| Pretax return on assets | 0.5962% | 4,339 |
| Return on Equity (ROE) | 3.0390% | 4,937 |
| Retained earnings to average equity (ytd only) | 2.3149% | 4,256 |
| Net charge-offs to loans | 0.6114% | 3,200 |
| Credit loss provision to net charge-offs | 162.8964% | 2,127 |
| Earnings coverage of net charge-offs (x) | 2.9619% | 3,591 |
| Efficiency ratio | 65.5266% | 5,060 |
| Assets per employee ($millions) | 4.8112% | 2,408 |
| Cash dividends to net income (ytd only)* | 23.8272% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6257% | 1,263 |
| Loan loss allowance to noncurrent loans | 32.7734% | 6,134 |
| Noncurrent assets plus other real estate owned to assets | 6.9006% | 797 |
| Noncurrent loans to loans | 8.0118% | 647 |
| Net loans and leases to total assets | 69.4636% | 2,673 |
| Net loans and leases to deposits | 81.3946% | 2,921 |
| Net loans and leases to core deposits | 105.0385% | 1,253 |
| Total domestic deposits to total assets | 85.3417% | 3,698 |
| Equity capital to assets | 13.2316% | 1,283 |
| Core capital (leverage) ratio | 12.8694% | 1,174 |
| Tier 1 risk-based capital ratio | 16.7072% | 2,455 |
| Total risk-based capital ratio | 17.9719% | 2,419 |
| Memoranda: | ||
| Average total assets | $211,523,400 | 2,966 |
| Average earning assets | $194,533,000 | 2,944 |
| Average equity | $26,653,800 | 2,403 |
| Average total loans | $154,724,200 | 2,688 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2498% | 3,576 |
| Cost of funding earning assets | 1.3314% | 4,029 |
| Net interest margin | 3.9184% | 3,454 |
| Noninterest income to average assets | 0.3030% | 5,726 |
| Noninterest expense to average assets | 2.2491% | 6,470 |
| Loan and lease loss provision to assets | 0.7692% | 1,986 |
| Net operating income to assets | 0.4096% | 4,711 |
| Return on assets (ROA) | 0.4096% | 4,887 |
| Pretax return on assets | 0.8989% | 3,558 |
| Return on Equity (ROE) | 3.2891% | 5,098 |
| Retained earnings to average equity (ytd only) | 2.3229% | 4,775 |
| Net charge-offs to loans | 0.8015% | 2,443 |
| Credit loss provision to net charge-offs | 130.4440% | 3,096 |
| Earnings coverage of net charge-offs (x) | 2.8288% | 3,720 |
| Efficiency ratio | 57.4157% | 6,359 |
| Assets per employee ($millions) | 4.9437% | 2,253 |
| Cash dividends to net income (ytd only)* | 29.3762% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3496% | 1,549 |
| Loan loss allowance to noncurrent loans | 41.8381% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 5.2872% | 1,181 |
| Noncurrent loans to loans | 5.6159% | 1,169 |
| Net loans and leases to total assets | 69.6169% | 2,827 |
| Net loans and leases to deposits | 83.5911% | 2,777 |
| Net loans and leases to core deposits | 109.4678% | 1,066 |
| Total domestic deposits to total assets | 83.2827% | 4,466 |
| Equity capital to assets | 12.9289% | 1,615 |
| Core capital (leverage) ratio | 12.3089% | 1,504 |
| Tier 1 risk-based capital ratio | 16.1800% | 2,684 |
| Total risk-based capital ratio | 17.4412% | 2,627 |
| Memoranda: | ||
| Average total assets | $213,886,750 | 2,990 |
| Average earning assets | $197,285,500 | 2,959 |
| Average equity | $26,633,000 | 2,447 |
| Average total loans | $157,367,750 | 2,694 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2265% | 3,819 |
| Cost of funding earning assets | 1.3716% | 4,050 |
| Net interest margin | 3.8549% | 3,656 |
| Noninterest income to average assets | 0.3000% | 5,751 |
| Noninterest expense to average assets | 2.3133% | 6,319 |
| Loan and lease loss provision to assets | 0.3445% | 3,663 |
| Net operating income to assets | 0.7038% | 3,391 |
| Return on assets (ROA) | 0.7038% | 3,545 |
| Pretax return on assets | 1.2131% | 2,369 |
| Return on Equity (ROE) | 5.7224% | 3,929 |
| Retained earnings to average equity (ytd only) | 4.2692% | 3,359 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7608% | 6,086 |
| Assets per employee ($millions) | 5.1713% | 1,962 |
| Cash dividends to net income (ytd only)* | 25.3947% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2595% | 1,651 |
| Loan loss allowance to noncurrent loans | 34.4821% | 6,069 |
| Noncurrent assets plus other real estate owned to assets | 5.8104% | 1,033 |
| Noncurrent loans to loans | 6.5527% | 906 |
| Net loans and leases to total assets | 70.9418% | 2,675 |
| Net loans and leases to deposits | 85.3077% | 2,636 |
| Net loans and leases to core deposits | 111.9749% | 1,033 |
| Total domestic deposits to total assets | 83.1598% | 4,497 |
| Equity capital to assets | 12.3935% | 1,870 |
| Core capital (leverage) ratio | 12.2558% | 1,516 |
| Tier 1 risk-based capital ratio | 15.5306% | 2,874 |
| Total risk-based capital ratio | 16.7918% | 2,841 |
| Memoranda: | ||
| Average total assets | $215,970,670 | 2,984 |
| Average earning assets | $200,055,670 | 2,950 |
| Average equity | $26,562,330 | 2,444 |
| Average total loans | $160,481,330 | 2,689 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1637% | 4,230 |
| Cost of funding earning assets | 1.4275% | 4,009 |
| Net interest margin | 3.7362% | 4,073 |
| Noninterest income to average assets | 0.3139% | 5,640 |
| Noninterest expense to average assets | 2.2028% | 6,681 |
| Loan and lease loss provision to assets | 0.3845% | 3,058 |
| Net operating income to assets | 0.6501% | 3,663 |
| Return on assets (ROA) | 0.6501% | 3,785 |
| Pretax return on assets | 1.2073% | 2,343 |
| Return on Equity (ROE) | 5.3061% | 4,207 |
| Retained earnings to average equity (ytd only) | 2.3802% | 4,716 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0519% | 6,483 |
| Assets per employee ($millions) | 5.4614% | 1,703 |
| Cash dividends to net income (ytd only)* | 55.1429% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1121% | 1,936 |
| Loan loss allowance to noncurrent loans | 40.7021% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 4.8687% | 1,341 |
| Noncurrent loans to loans | 5.1892% | 1,381 |
| Net loans and leases to total assets | 72.0688% | 2,430 |
| Net loans and leases to deposits | 86.8925% | 2,425 |
| Net loans and leases to core deposits | 112.9357% | 1,102 |
| Total domestic deposits to total assets | 82.9402% | 4,656 |
| Equity capital to assets | 12.1123% | 1,979 |
| Core capital (leverage) ratio | 12.1563% | 1,565 |
| Tier 1 risk-based capital ratio | 15.2898% | 2,969 |
| Total risk-based capital ratio | 16.5490% | 2,919 |
| Memoranda: | ||
| Average total assets | $215,358,500 | 3,043 |
| Average earning assets | $200,632,500 | 2,988 |
| Average equity | $26,384,500 | 2,475 |
| Average total loans | $161,900,000 | 2,736 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4172% | 4,609 |
| Cost of funding earning assets | 1.9619% | 3,143 |
| Net interest margin | 3.4554% | 5,149 |
| Noninterest income to average assets | 0.3498% | 5,592 |
| Noninterest expense to average assets | 2.1935% | 7,010 |
| Loan and lease loss provision to assets | 0.6868% | 3,079 |
| Net operating income to assets | 0.4917% | 3,764 |
| Return on assets (ROA) | 0.4917% | 3,863 |
| Pretax return on assets | 0.7283% | 3,479 |
| Return on Equity (ROE) | 3.9957% | 4,093 |
| Retained earnings to average equity (ytd only) | 3.5053% | 2,717 |
| Net charge-offs to loans | 0.1277% | 5,920 |
| Credit loss provision to net charge-offs | 707.2816% | 412 |
| Earnings coverage of net charge-offs (x) | 14.5728% | 1,362 |
| Efficiency ratio | 60.7838% | 6,362 |
| Assets per employee ($millions) | 5.4426% | 1,697 |
| Cash dividends to net income (ytd only)* | 12.2723% | 3,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9575% | 2,119 |
| Loan loss allowance to noncurrent loans | 33.8426% | 6,182 |
| Noncurrent assets plus other real estate owned to assets | 4.9538% | 1,252 |
| Noncurrent loans to loans | 5.7841% | 1,095 |
| Net loans and leases to total assets | 75.2725% | 1,974 |
| Net loans and leases to deposits | 92.9168% | 1,746 |
| Net loans and leases to core deposits | 219.5375% | 67 |
| Total domestic deposits to total assets | 81.0107% | 5,340 |
| Equity capital to assets | 12.3946% | 1,796 |
| Core capital (leverage) ratio | 11.8986% | 1,709 |
| Tier 1 risk-based capital ratio | 14.9391% | 2,972 |
| Total risk-based capital ratio | 16.1970% | 2,917 |
| Memoranda: | ||
| Average total assets | $212,131,400 | 3,039 |
| Average earning assets | $200,065,200 | 2,967 |
| Average equity | $26,103,200 | 2,520 |
| Average total loans | $161,298,000 | 2,741 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4393% | 4,746 |
| Cost of funding earning assets | 2.0490% | 3,127 |
| Net interest margin | 3.3904% | 5,313 |
| Noninterest income to average assets | 0.3571% | 5,636 |
| Noninterest expense to average assets | 2.1065% | 7,179 |
| Loan and lease loss provision to assets | 0.1352% | 6,010 |
| Net operating income to assets | 0.8248% | 2,711 |
| Return on assets (ROA) | 0.8248% | 2,771 |
| Pretax return on assets | 1.3233% | 1,899 |
| Return on Equity (ROE) | 6.7147% | 3,211 |
| Retained earnings to average equity (ytd only) | 6.0596% | 1,920 |
| Net charge-offs to loans | 0.0017% | 6,969 |
| Credit loss provision to net charge-offs | 10,750.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 1,158.5243% | 16 |
| Efficiency ratio | 59.0901% | 6,556 |
| Assets per employee ($millions) | 5.4140% | 1,695 |
| Cash dividends to net income (ytd only)* | 9.7560% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 4,286 |
| Loan loss allowance to noncurrent loans | 67.3974% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.9773% | 3,377 |
| Noncurrent loans to loans | 1.9811% | 3,669 |
| Net loans and leases to total assets | 73.4308% | 2,680 |
| Net loans and leases to deposits | 91.8804% | 2,252 |
| Net loans and leases to core deposits | 221.4006% | 68 |
| Total domestic deposits to total assets | 79.9200% | 5,460 |
| Equity capital to assets | 12.3611% | 2,027 |
| Core capital (leverage) ratio | 12.1622% | 1,727 |
| Tier 1 risk-based capital ratio | 15.4046% | 2,862 |
| Total risk-based capital ratio | 16.6606% | 2,807 |
| Memoranda: | ||
| Average total assets | $212,098,750 | 3,064 |
| Average earning assets | $200,681,250 | 2,976 |
| Average equity | $26,051,750 | 2,552 |
| Average total loans | $160,881,250 | 2,770 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5387% | 4,395 |
| Cost of funding earning assets | 2.1393% | 3,092 |
| Net interest margin | 3.3994% | 5,175 |
| Noninterest income to average assets | 0.3741% | 5,515 |
| Noninterest expense to average assets | 2.0664% | 7,342 |
| Loan and lease loss provision to assets | 0.1719% | 5,348 |
| Net operating income to assets | 0.8376% | 2,710 |
| Return on assets (ROA) | 0.8376% | 2,806 |
| Pretax return on assets | 1.3485% | 1,881 |
| Return on Equity (ROE) | 6.8339% | 3,270 |
| Retained earnings to average equity (ytd only) | 6.8339% | 1,646 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6119% | 6,923 |
| Assets per employee ($millions) | 5.2804% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3376% | 4,053 |
| Loan loss allowance to noncurrent loans | 105.0025% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 1.5092% | 3,964 |
| Noncurrent loans to loans | 1.2739% | 4,652 |
| Net loans and leases to total assets | 75.9328% | 2,197 |
| Net loans and leases to deposits | 99.0336% | 1,386 |
| Net loans and leases to core deposits | 227.3690% | 74 |
| Total domestic deposits to total assets | 76.6738% | 6,401 |
| Equity capital to assets | 12.7020% | 1,831 |
| Core capital (leverage) ratio | 12.5463% | 1,600 |
| Tier 1 risk-based capital ratio | 15.3719% | 2,866 |
| Total risk-based capital ratio | 16.6273% | 2,793 |
| Memoranda: | ||
| Average total assets | $210,612,000 | 3,099 |
| Average earning assets | $199,037,330 | 3,015 |
| Average equity | $25,812,670 | 2,572 |
| Average total loans | $160,784,000 | 2,810 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5824% | 4,459 |
| Cost of funding earning assets | 2.2600% | 2,888 |
| Net interest margin | 3.3224% | 5,427 |
| Noninterest income to average assets | 0.4358% | 4,909 |
| Noninterest expense to average assets | 1.9761% | 7,408 |
| Loan and lease loss provision to assets | 0.1841% | 4,599 |
| Net operating income to assets | 0.8828% | 2,776 |
| Return on assets (ROA) | 0.8828% | 2,921 |
| Pretax return on assets | 1.4125% | 1,929 |
| Return on Equity (ROE) | 7.3323% | 3,456 |
| Retained earnings to average equity (ytd only) | 7.3323% | 2,084 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3102% | 7,070 |
| Assets per employee ($millions) | 5.3910% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 4,361 |
| Loan loss allowance to noncurrent loans | 218.3280% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.9617% | 4,791 |
| Noncurrent loans to loans | 0.5759% | 5,962 |
| Net loans and leases to total assets | 76.0861% | 2,250 |
| Net loans and leases to deposits | 99.7767% | 1,442 |
| Net loans and leases to core deposits | 237.3457% | 78 |
| Total domestic deposits to total assets | 76.2564% | 6,462 |
| Equity capital to assets | 12.3315% | 2,063 |
| Core capital (leverage) ratio | 12.0876% | 1,860 |
| Tier 1 risk-based capital ratio | 14.7877% | 3,162 |
| Total risk-based capital ratio | 15.9606% | 3,131 |
| Memoranda: | ||
| Average total assets | $212,950,000 | 3,082 |
| Average earning assets | $201,060,000 | 3,004 |
| Average equity | $25,640,000 | 2,598 |
| Average total loans | $161,929,500 | 2,812 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2646% | 4,159 |
| Cost of funding earning assets | 2.8067% | 2,678 |
| Net interest margin | 3.4580% | 5,446 |
| Noninterest income to average assets | 0.3109% | 6,231 |
| Noninterest expense to average assets | 2.2661% | 6,800 |
| Loan and lease loss provision to assets | 0.1606% | 5,324 |
| Net operating income to assets | 0.8478% | 3,228 |
| Return on assets (ROA) | -0.5932% | 6,890 |
| Pretax return on assets | -1.0783% | 7,046 |
| Return on Equity (ROE) | -4.7196% | 6,833 |
| Retained earnings to average equity (ytd only) | -6.4580% | 6,717 |
| Net charge-offs to loans | 0.0034% | 6,962 |
| Credit loss provision to net charge-offs | 6,600.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 548.2000% | 103 |
| Efficiency ratio | 62.9494% | 5,789 |
| Assets per employee ($millions) | 5.3913% | 1,544 |
| Cash dividends to net income (ytd only)* | -36.8335% | 8,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 4,546 |
| Loan loss allowance to noncurrent loans | 207.8242% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.9376% | 4,481 |
| Noncurrent loans to loans | 0.5765% | 5,638 |
| Net loans and leases to total assets | 74.1535% | 3,071 |
| Net loans and leases to deposits | 96.7615% | 2,323 |
| Net loans and leases to core deposits | 224.5356% | 102 |
| Total domestic deposits to total assets | 76.6353% | 6,084 |
| Equity capital to assets | 11.7565% | 2,465 |
| Core capital (leverage) ratio | 12.0352% | 1,947 |
| Tier 1 risk-based capital ratio | 14.3987% | 3,339 |
| Total risk-based capital ratio | 15.5062% | 3,340 |
| Memoranda: | ||
| Average total assets | $205,504,000 | 3,061 |
| Average earning assets | $195,462,600 | 2,953 |
| Average equity | $25,828,600 | 2,575 |
| Average total loans | $148,451,200 | 2,957 |