Home > Mizuho Corporate Bank of California > Performance and Condition Ratios
Mizuho Corporate Bank of California, Performance and Condition Ratios
| 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 | 0.3777% | 7,422 |
| Cost of funding earning assets | 0.0146% | 7,415 |
| Net interest margin | 0.3631% | 7,418 |
| Noninterest income to average assets | 0.1400% | 6,546 |
| Noninterest expense to average assets | 6.0122% | 202 |
| Loan and lease loss provision to assets | -0.0246% | 7,311 |
| Net operating income to assets | -5.4937% | 7,387 |
| Return on assets (ROA) | -5.2448% | 7,386 |
| Pretax return on assets | -5.2448% | 7,383 |
| Return on Equity (ROE) | -7.5527% | 6,795 |
| Retained earnings to average equity (ytd only) | -7.5527% | 6,741 |
| Net charge-offs to loans | 24.9870% | 3 |
| Credit loss provision to net charge-offs | -21.1111% | 6,430 |
| Earnings coverage of net charge-offs (x) | -47.2988% | 6,168 |
| Efficiency ratio | 1,217.3228% | 3 |
| Assets per employee ($millions) | 1.7922% | 7,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 100.0000% | 1 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 6,911 |
| Noncurrent loans to loans | 100.0000% | 1 |
| Net loans and leases to total assets | 0.0000% | 7,401 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 7,443 |
| Equity capital to assets | 99.2317% | 2 |
| Core capital (leverage) ratio | 76.4691% | 28 |
| Tier 1 risk-based capital ratio | 25,977.1536% | 2 |
| Total risk-based capital ratio | 25,978.2772% | 2 |
| Memoranda: | ||
| Average total assets | $102,854,250 | 4,846 |
| Average earning assets | $100,243,500 | 4,667 |
| Average equity | $71,424,750 | 949 |
| Average total loans | $480,250 | 7,393 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4023% | 7,494 |
| Cost of funding earning assets | 0.0162% | 7,486 |
| Net interest margin | 0.3861% | 7,488 |
| Noninterest income to average assets | 0.1177% | 6,743 |
| Noninterest expense to average assets | 5.8889% | 209 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -5.3953% | 7,450 |
| Return on assets (ROA) | -5.0580% | 7,441 |
| Pretax return on assets | -5.0580% | 7,436 |
| Return on Equity (ROE) | -7.9847% | 6,867 |
| Retained earnings to average equity (ytd only) | -7.9847% | 6,777 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,192.8826% | 6 |
| Assets per employee ($millions) | 2.7147% | 6,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 25.4325% | 2 |
| Loan loss allowance to noncurrent loans | 229.6875% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 6,957 |
| Noncurrent loans to loans | 11.0727% | 310 |
| Net loans and leases to total assets | 0.3872% | 7,469 |
| Net loans and leases to deposits | 1.0703% | 7,469 |
| Net loans and leases to core deposits | 1.4626% | 7,457 |
| Total domestic deposits to total assets | 36.1803% | 7,457 |
| Equity capital to assets | 63.3651% | 40 |
| Core capital (leverage) ratio | 62.9152% | 37 |
| Tier 1 risk-based capital ratio | 7,315.9751% | 2 |
| Total risk-based capital ratio | 7,317.3237% | 2 |
| Memoranda: | ||
| Average total assets | $113,840,330 | 4,613 |
| Average earning assets | $110,860,000 | 4,417 |
| Average equity | $72,113,330 | 937 |
| Average total loans | $627,670 | 7,467 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4090% | 7,559 |
| Cost of funding earning assets | 0.0179% | 7,549 |
| Net interest margin | 0.3911% | 7,552 |
| Noninterest income to average assets | 0.1216% | 6,809 |
| Noninterest expense to average assets | 4.7051% | 479 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -4.2047% | 7,453 |
| Return on assets (ROA) | -4.2047% | 7,457 |
| Pretax return on assets | -4.2047% | 7,444 |
| Return on Equity (ROE) | -6.6386% | 6,898 |
| Retained earnings to average equity (ytd only) | -6.6386% | 6,644 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 940.2778% | 3 |
| Assets per employee ($millions) | 2.5755% | 6,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 23.4076% | 2 |
| Loan loss allowance to noncurrent loans | 193.4211% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 6,992 |
| Noncurrent loans to loans | 12.1019% | 269 |
| Net loans and leases to total assets | 0.4245% | 7,530 |
| Net loans and leases to deposits | 1.1816% | 7,531 |
| Net loans and leases to core deposits | 1.6082% | 7,517 |
| Total domestic deposits to total assets | 35.9212% | 7,520 |
| Equity capital to assets | 63.8017% | 36 |
| Core capital (leverage) ratio | 64.3357% | 33 |
| Tier 1 risk-based capital ratio | 5,649.0610% | 2 |
| Total risk-based capital ratio | 5,650.3912% | 2 |
| Memoranda: | ||
| Average total assets | $115,110,000 | 4,614 |
| Average earning assets | $111,491,000 | 4,418 |
| Average equity | $72,907,000 | 928 |
| Average total loans | $652,500 | 7,526 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4815% | 7,623 |
| Cost of funding earning assets | 0.0262% | 7,621 |
| Net interest margin | 0.4554% | 7,612 |
| Noninterest income to average assets | 0.4128% | 4,798 |
| Noninterest expense to average assets | 3.0358% | 3,708 |
| Loan and lease loss provision to assets | -0.3253% | 7,637 |
| Net operating income to assets | -1.2827% | 6,824 |
| Return on assets (ROA) | -1.2827% | 6,848 |
| Pretax return on assets | -1.8557% | 6,981 |
| Return on Equity (ROE) | -3.5478% | 6,324 |
| Retained earnings to average equity (ytd only) | -3.5478% | 6,158 |
| Net charge-offs to loans | 0.1021% | 5,841 |
| Credit loss provision to net charge-offs | -6,660.0000% | 7,217 |
| Earnings coverage of net charge-offs (x) | -446.5000% | 6,848 |
| Efficiency ratio | 355.1429% | 21 |
| Assets per employee ($millions) | 2.5977% | 6,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 21.7134% | 2 |
| Loan loss allowance to noncurrent loans | 168.9655% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 7,044 |
| Noncurrent loans to loans | 12.8508% | 240 |
| Net loans and leases to total assets | 0.4534% | 7,610 |
| Net loans and leases to deposits | 1.2320% | 7,611 |
| Net loans and leases to core deposits | 1.8464% | 7,594 |
| Total domestic deposits to total assets | 36.8016% | 7,590 |
| Equity capital to assets | 62.8861% | 41 |
| Core capital (leverage) ratio | 62.3085% | 39 |
| Tier 1 risk-based capital ratio | 5,101.1119% | 2 |
| Total risk-based capital ratio | 5,102.4322% | 2 |
| Memoranda: | ||
| Average total assets | $204,721,400 | 3,045 |
| Average earning assets | $198,741,600 | 2,893 |
| Average equity | $74,018,600 | 900 |
| Average total loans | $9,797,000 | 7,402 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5060% | 7,738 |
| Cost of funding earning assets | 0.0278% | 7,727 |
| Net interest margin | 0.4782% | 7,728 |
| Noninterest income to average assets | 0.4658% | 4,442 |
| Noninterest expense to average assets | 2.8751% | 4,183 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -1.2658% | 7,009 |
| Return on assets (ROA) | -1.2658% | 7,042 |
| Pretax return on assets | -1.9446% | 7,184 |
| Return on Equity (ROE) | -3.8698% | 6,561 |
| Retained earnings to average equity (ytd only) | -3.8698% | 6,446 |
| Net charge-offs to loans | 0.1104% | 5,433 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -330.6744% | 6,669 |
| Efficiency ratio | 308.9760% | 26 |
| Assets per employee ($millions) | 2.5643% | 6,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 83.5560% | 1 |
| Loan loss allowance to noncurrent loans | 2,322.8571% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 7,281 |
| Noncurrent loans to loans | 3.5971% | 2,179 |
| Net loans and leases to total assets | 0.1356% | 7,713 |
| Net loans and leases to deposits | 0.3668% | 7,715 |
| Net loans and leases to core deposits | 0.5459% | 7,696 |
| Total domestic deposits to total assets | 36.9820% | 7,691 |
| Equity capital to assets | 62.7340% | 44 |
| Core capital (leverage) ratio | 51.9087% | 47 |
| Tier 1 risk-based capital ratio | 2,101.2230% | 4 |
| Total risk-based capital ratio | 2,102.7304% | 4 |
| Memoranda: | ||
| Average total assets | $226,677,500 | 2,834 |
| Average earning assets | $220,275,000 | 2,665 |
| Average equity | $74,145,250 | 891 |
| Average total loans | $12,077,000 | 7,399 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5208% | 7,812 |
| Cost of funding earning assets | 0.0313% | 7,796 |
| Net interest margin | 0.4896% | 7,797 |
| Noninterest income to average assets | 0.4884% | 4,207 |
| Noninterest expense to average assets | 2.8481% | 4,271 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -1.2285% | 7,043 |
| Return on assets (ROA) | -1.2285% | 7,059 |
| Pretax return on assets | -1.8835% | 7,204 |
| Return on Equity (ROE) | -4.3535% | 6,642 |
| Retained earnings to average equity (ytd only) | -4.3535% | 6,480 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 295.2681% | 44 |
| Assets per employee ($millions) | 3.6761% | 4,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.6661% | 17 |
| Loan loss allowance to noncurrent loans | 5,143.7500% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 7,389 |
| Noncurrent loans to loans | 0.2074% | 6,838 |
| Net loans and leases to total assets | 4.2616% | 7,774 |
| Net loans and leases to deposits | 7.9483% | 7,773 |
| Net loans and leases to core deposits | 9.8617% | 7,757 |
| Total domestic deposits to total assets | 53.6165% | 7,721 |
| Equity capital to assets | 46.0825% | 52 |
| Core capital (leverage) ratio | 28.5775% | 92 |
| Tier 1 risk-based capital ratio | 693.8555% | 4 |
| Total risk-based capital ratio | 695.1795% | 4 |
| Memoranda: | ||
| Average total assets | $262,916,670 | 2,481 |
| Average earning assets | $255,743,000 | 2,346 |
| Average equity | $74,193,330 | 886 |
| Average total loans | $15,778,330 | 7,272 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4687% | 7,915 |
| Cost of funding earning assets | 0.0339% | 7,898 |
| Net interest margin | 0.4347% | 7,902 |
| Noninterest income to average assets | 0.4619% | 4,369 |
| Noninterest expense to average assets | 2.4638% | 5,862 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.0271% | 7,120 |
| Return on assets (ROA) | -1.0271% | 7,141 |
| Pretax return on assets | -1.5770% | 7,284 |
| Return on Equity (ROE) | -4.3501% | 6,846 |
| Retained earnings to average equity (ytd only) | -4.3501% | 6,537 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 277.8417% | 51 |
| Assets per employee ($millions) | 7.6425% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7484% | 213 |
| Loan loss allowance to noncurrent loans | 5,143.7500% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 7,493 |
| Noncurrent loans to loans | 0.0923% | 7,164 |
| Net loans and leases to total assets | 4.9094% | 7,873 |
| Net loans and leases to deposits | 6.3380% | 7,878 |
| Net loans and leases to core deposits | 6.9181% | 7,862 |
| Total domestic deposits to total assets | 77.4602% | 6,456 |
| Equity capital to assets | 21.8933% | 212 |
| Core capital (leverage) ratio | 20.6895% | 221 |
| Tier 1 risk-based capital ratio | 695.0832% | 4 |
| Total risk-based capital ratio | 696.4070% | 4 |
| Memoranda: | ||
| Average total assets | $313,501,500 | 2,171 |
| Average earning assets | $306,389,000 | 2,038 |
| Average equity | $74,021,500 | 898 |
| Average total loans | $19,809,500 | 7,162 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8644% | 7,979 |
| Cost of funding earning assets | 0.1130% | 7,961 |
| Net interest margin | 0.7514% | 7,949 |
| Noninterest income to average assets | 0.6181% | 3,504 |
| Noninterest expense to average assets | 2.0808% | 7,225 |
| Loan and lease loss provision to assets | -0.1989% | 7,997 |
| Net operating income to assets | -0.3674% | 6,043 |
| Return on assets (ROA) | -0.3674% | 6,035 |
| Pretax return on assets | -0.5384% | 6,045 |
| Return on Equity (ROE) | -1.9043% | 5,843 |
| Retained earnings to average equity (ytd only) | -1.9043% | 5,495 |
| Net charge-offs to loans | -0.1931% | 7,910 |
| Credit loss provision to net charge-offs | 621.6000% | 474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.8885% | 284 |
| Assets per employee ($millions) | 6.6075% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6927% | 450 |
| Loan loss allowance to noncurrent loans | 5,143.7500% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 7,528 |
| Noncurrent loans to loans | 0.0718% | 7,243 |
| Net loans and leases to total assets | 7.3828% | 7,942 |
| Net loans and leases to deposits | 10.4057% | 7,948 |
| Net loans and leases to core deposits | 13.0907% | 7,940 |
| Total domestic deposits to total assets | 70.9491% | 7,345 |
| Equity capital to assets | 25.5982% | 146 |
| Core capital (leverage) ratio | 18.3325% | 380 |
| Tier 1 risk-based capital ratio | 401.6538% | 14 |
| Total risk-based capital ratio | 402.9455% | 12 |
| Memoranda: | ||
| Average total assets | $390,565,600 | 1,761 |
| Average earning assets | $377,026,000 | 1,672 |
| Average equity | $75,356,800 | 852 |
| Average total loans | $64,742,600 | 5,077 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9319% | 8,066 |
| Cost of funding earning assets | 0.1256% | 8,047 |
| Net interest margin | 0.8063% | 8,032 |
| Noninterest income to average assets | 0.6077% | 3,635 |
| Noninterest expense to average assets | 2.0003% | 7,386 |
| Loan and lease loss provision to assets | -0.0751% | 8,062 |
| Net operating income to assets | -0.3504% | 6,266 |
| Return on assets (ROA) | -0.3504% | 6,273 |
| Pretax return on assets | -0.5387% | 6,346 |
| Return on Equity (ROE) | -1.9261% | 6,088 |
| Retained earnings to average equity (ytd only) | -1.9261% | 5,707 |
| Net charge-offs to loans | -0.2070% | 7,973 |
| Credit loss provision to net charge-offs | 200.0000% | 2,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.2722% | 344 |
| Assets per employee ($millions) | 8.2548% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4800% | 105 |
| Loan loss allowance to noncurrent loans | 7,988.2353% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 7,597 |
| Noncurrent loans to loans | 0.0686% | 7,328 |
| Net loans and leases to total assets | 6.3056% | 8,029 |
| Net loans and leases to deposits | 9.0056% | 8,033 |
| Net loans and leases to core deposits | 12.3161% | 8,019 |
| Total domestic deposits to total assets | 70.0187% | 7,414 |
| Equity capital to assets | 20.1303% | 332 |
| Core capital (leverage) ratio | 17.2125% | 522 |
| Tier 1 risk-based capital ratio | 233.6035% | 31 |
| Total risk-based capital ratio | 234.8894% | 30 |
| Memoranda: | ||
| Average total assets | $415,524,250 | 1,678 |
| Average earning assets | $401,317,000 | 1,599 |
| Average equity | $75,590,500 | 866 |
| Average total loans | $75,356,500 | 4,722 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1138% | 8,154 |
| Cost of funding earning assets | 0.1482% | 8,138 |
| Net interest margin | 0.9656% | 8,106 |
| Noninterest income to average assets | 0.5899% | 3,774 |
| Noninterest expense to average assets | 1.9744% | 7,505 |
| Loan and lease loss provision to assets | -0.1088% | 8,163 |
| Net operating income to assets | -0.2097% | 6,207 |
| Return on assets (ROA) | -0.2097% | 6,225 |
| Pretax return on assets | -0.3398% | 6,272 |
| Return on Equity (ROE) | -1.1890% | 6,099 |
| Retained earnings to average equity (ytd only) | -1.1890% | 5,533 |
| Net charge-offs to loans | -0.2538% | 8,051 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.4028% | 527 |
| Assets per employee ($millions) | 9.3734% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7293% | 2,248 |
| Loan loss allowance to noncurrent loans | 7,988.2353% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 7,647 |
| Noncurrent loans to loans | 0.0216% | 7,490 |
| Net loans and leases to total assets | 18.2959% | 8,049 |
| Net loans and leases to deposits | 24.5230% | 8,039 |
| Net loans and leases to core deposits | 32.2134% | 8,019 |
| Total domestic deposits to total assets | 74.6072% | 6,847 |
| Equity capital to assets | 17.8777% | 564 |
| Core capital (leverage) ratio | 17.7735% | 533 |
| Tier 1 risk-based capital ratio | 80.6162% | 81 |
| Total risk-based capital ratio | 81.8688% | 81 |
| Memoranda: | ||
| Average total assets | $430,210,670 | 1,643 |
| Average earning assets | $416,937,000 | 1,555 |
| Average equity | $75,861,670 | 874 |
| Average total loans | $92,215,000 | 4,224 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3939% | 8,206 |
| Cost of funding earning assets | 0.2003% | 8,181 |
| Net interest margin | 1.1935% | 8,130 |
| Noninterest income to average assets | 0.6160% | 3,435 |
| Noninterest expense to average assets | 1.8719% | 7,605 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.0645% | 6,350 |
| Return on assets (ROA) | -0.0645% | 6,474 |
| Pretax return on assets | -0.0985% | 6,476 |
| Return on Equity (ROE) | -0.3680% | 6,453 |
| Retained earnings to average equity (ytd only) | -0.3680% | 5,736 |
| Net charge-offs to loans | -0.4725% | 8,100 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5556% | 935 |
| Assets per employee ($millions) | 9.5567% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8675% | 1,693 |
| Loan loss allowance to noncurrent loans | 15,920.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 7,663 |
| Noncurrent loans to loans | 0.0117% | 7,535 |
| Net loans and leases to total assets | 19.4527% | 8,089 |
| Net loans and leases to deposits | 30.7175% | 8,026 |
| Net loans and leases to core deposits | 46.9442% | 7,849 |
| Total domestic deposits to total assets | 63.3278% | 7,872 |
| Equity capital to assets | 17.6599% | 648 |
| Core capital (leverage) ratio | 17.9564% | 561 |
| Tier 1 risk-based capital ratio | 59.0932% | 143 |
| Total risk-based capital ratio | 60.3362% | 140 |
| Memoranda: | ||
| Average total assets | $434,413,500 | 1,640 |
| Average earning assets | $421,272,000 | 1,547 |
| Average equity | $76,088,000 | 875 |
| Average total loans | $99,057,000 | 4,067 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1469% | 8,166 |
| Cost of funding earning assets | 1.3201% | 7,827 |
| Net interest margin | 1.8269% | 8,124 |
| Noninterest income to average assets | 0.5528% | 4,207 |
| Noninterest expense to average assets | 1.5606% | 7,999 |
| Loan and lease loss provision to assets | 0.0109% | 7,232 |
| Net operating income to assets | 0.3969% | 5,161 |
| Return on assets (ROA) | 0.3969% | 4,974 |
| Pretax return on assets | 0.7453% | 4,260 |
| Return on Equity (ROE) | 2.9092% | 5,268 |
| Retained earnings to average equity (ytd only) | 2.9092% | 3,361 |
| Net charge-offs to loans | -0.1934% | 8,160 |
| Credit loss provision to net charge-offs | -28.5714% | 7,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3602% | 4,842 |
| Assets per employee ($millions) | 9.7505% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 3,731 |
| Loan loss allowance to noncurrent loans | 13,409.0909% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 7,654 |
| Noncurrent loans to loans | 0.0097% | 7,512 |
| Net loans and leases to total assets | 25.3866% | 8,079 |
| Net loans and leases to deposits | 41.1519% | 7,922 |
| Net loans and leases to core deposits | 77.2699% | 6,785 |
| Total domestic deposits to total assets | 61.6901% | 7,900 |
| Equity capital to assets | 17.3732% | 732 |
| Core capital (leverage) ratio | 15.4603% | 928 |
| Tier 1 risk-based capital ratio | 46.5079% | 245 |
| Total risk-based capital ratio | 47.4135% | 247 |
| Memoranda: | ||
| Average total assets | $549,741,600 | 1,238 |
| Average earning assets | $530,804,000 | 1,164 |
| Average equity | $75,002,800 | 883 |
| Average total loans | $108,596,400 | 3,716 |