Home > Mojave Desert Bank > Performance and Condition Ratios
Mojave Desert Bank, 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 | 4.1956% | 4,607 |
| Cost of funding earning assets | 0.0866% | 7,010 |
| Net interest margin | 4.1091% | 1,967 |
| Noninterest income to average assets | 1.1815% | 1,124 |
| Noninterest expense to average assets | 4.7357% | 459 |
| Loan and lease loss provision to assets | 0.0386% | 5,388 |
| Net operating income to assets | 0.0299% | 6,120 |
| Return on assets (ROA) | 0.0299% | 6,262 |
| Pretax return on assets | 0.0299% | 6,249 |
| Return on Equity (ROE) | 0.3564% | 6,251 |
| Retained earnings to average equity (ytd only) | 0.3564% | 5,677 |
| Net charge-offs to loans | 0.1344% | 4,336 |
| Credit loss provision to net charge-offs | 57.9710% | 4,499 |
| Earnings coverage of net charge-offs (x) | 1.0290% | 4,957 |
| Efficiency ratio | 98.5723% | 608 |
| Assets per employee ($millions) | 2.9573% | 6,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8690% | 762 |
| Loan loss allowance to noncurrent loans | 205.0667% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.9169% | 4,203 |
| Noncurrent loans to loans | 1.3990% | 3,506 |
| Net loans and leases to total assets | 50.3072% | 5,122 |
| Net loans and leases to deposits | 55.3177% | 5,513 |
| Net loans and leases to core deposits | 55.7883% | 5,729 |
| Total domestic deposits to total assets | 90.9424% | 520 |
| Equity capital to assets | 8.3717% | 6,142 |
| Core capital (leverage) ratio | 8.3786% | 5,784 |
| Tier 1 risk-based capital ratio | 15.7421% | 3,293 |
| Total risk-based capital ratio | 17.0114% | 3,241 |
| Memoranda: | ||
| Average total assets | $103,512,200 | 4,745 |
| Average earning assets | $91,261,400 | 4,833 |
| Average equity | $8,697,800 | 5,305 |
| Average total loans | $51,352,400 | 5,052 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2199% | 4,747 |
| Cost of funding earning assets | 0.0906% | 7,122 |
| Net interest margin | 4.1294% | 1,982 |
| Noninterest income to average assets | 1.2442% | 966 |
| Noninterest expense to average assets | 4.6382% | 483 |
| Loan and lease loss provision to assets | 0.0515% | 5,111 |
| Net operating income to assets | 0.1958% | 5,929 |
| Return on assets (ROA) | 0.1984% | 6,088 |
| Pretax return on assets | 0.1984% | 6,126 |
| Return on Equity (ROE) | 2.3585% | 5,927 |
| Retained earnings to average equity (ytd only) | 2.3585% | 5,154 |
| Net charge-offs to loans | 0.1155% | 4,225 |
| Credit loss provision to net charge-offs | 90.9091% | 3,267 |
| Earnings coverage of net charge-offs (x) | 4.3632% | 3,323 |
| Efficiency ratio | 94.9380% | 714 |
| Assets per employee ($millions) | 2.9635% | 6,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9362% | 773 |
| Loan loss allowance to noncurrent loans | 251.0433% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.9699% | 4,346 |
| Noncurrent loans to loans | 1.1696% | 4,112 |
| Net loans and leases to total assets | 49.8457% | 5,327 |
| Net loans and leases to deposits | 54.7673% | 5,742 |
| Net loans and leases to core deposits | 55.2319% | 5,945 |
| Total domestic deposits to total assets | 91.0137% | 408 |
| Equity capital to assets | 8.4841% | 6,274 |
| Core capital (leverage) ratio | 8.3286% | 5,966 |
| Tier 1 risk-based capital ratio | 15.5951% | 3,480 |
| Total risk-based capital ratio | 16.8635% | 3,434 |
| Memoranda: | ||
| Average total assets | $103,514,250 | 4,788 |
| Average earning assets | $91,279,250 | 4,877 |
| Average equity | $8,706,000 | 5,349 |
| Average total loans | $50,788,500 | 5,139 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1983% | 4,961 |
| Cost of funding earning assets | 0.0967% | 7,183 |
| Net interest margin | 4.1017% | 2,088 |
| Noninterest income to average assets | 0.9126% | 1,739 |
| Noninterest expense to average assets | 4.2651% | 675 |
| Loan and lease loss provision to assets | 0.0773% | 4,648 |
| Net operating income to assets | 0.1798% | 5,978 |
| Return on assets (ROA) | 0.1798% | 6,150 |
| Pretax return on assets | 0.1798% | 6,175 |
| Return on Equity (ROE) | 2.1442% | 5,996 |
| Retained earnings to average equity (ytd only) | 2.1442% | 5,118 |
| Net charge-offs to loans | 0.2242% | 3,233 |
| Credit loss provision to net charge-offs | 71.4286% | 3,522 |
| Earnings coverage of net charge-offs (x) | 2.3750% | 3,814 |
| Efficiency ratio | 94.3138% | 791 |
| Assets per employee ($millions) | 2.8153% | 6,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0497% | 743 |
| Loan loss allowance to noncurrent loans | 248.7179% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 1.0429% | 4,296 |
| Noncurrent loans to loans | 1.2262% | 4,092 |
| Net loans and leases to total assets | 48.6818% | 5,539 |
| Net loans and leases to deposits | 53.6025% | 5,910 |
| Net loans and leases to core deposits | 54.0684% | 6,092 |
| Total domestic deposits to total assets | 90.8199% | 520 |
| Equity capital to assets | 8.6078% | 6,115 |
| Core capital (leverage) ratio | 8.3220% | 5,880 |
| Tier 1 risk-based capital ratio | 16.0146% | 3,162 |
| Total risk-based capital ratio | 17.2855% | 3,117 |
| Memoranda: | ||
| Average total assets | $103,444,330 | 4,815 |
| Average earning assets | $91,036,000 | 4,897 |
| Average equity | $8,674,670 | 5,362 |
| Average total loans | $49,962,670 | 5,202 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 5,259 |
| Cost of funding earning assets | 0.1043% | 7,243 |
| Net interest margin | 4.0518% | 2,297 |
| Noninterest income to average assets | 0.8651% | 1,892 |
| Noninterest expense to average assets | 4.1917% | 754 |
| Loan and lease loss provision to assets | 0.1531% | 3,460 |
| Net operating income to assets | 0.0880% | 6,260 |
| Return on assets (ROA) | 0.0880% | 6,384 |
| Pretax return on assets | 0.0880% | 6,399 |
| Return on Equity (ROE) | 1.0636% | 6,335 |
| Retained earnings to average equity (ytd only) | 1.0636% | 5,652 |
| Net charge-offs to loans | -0.1051% | 6,807 |
| Credit loss provision to net charge-offs | -307.6923% | 5,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5596% | 792 |
| Assets per employee ($millions) | 3.0539% | 6,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2566% | 644 |
| Loan loss allowance to noncurrent loans | 203.0075% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 1.1846% | 4,152 |
| Noncurrent loans to loans | 1.6042% | 3,713 |
| Net loans and leases to total assets | 46.3480% | 5,743 |
| Net loans and leases to deposits | 50.7964% | 6,085 |
| Net loans and leases to core deposits | 51.3914% | 6,251 |
| Total domestic deposits to total assets | 91.2428% | 461 |
| Equity capital to assets | 8.3402% | 6,232 |
| Core capital (leverage) ratio | 8.1971% | 6,028 |
| Tier 1 risk-based capital ratio | 15.9800% | 3,188 |
| Total risk-based capital ratio | 17.2511% | 3,144 |
| Memoranda: | ||
| Average total assets | $104,491,500 | 4,824 |
| Average earning assets | $92,008,000 | 4,908 |
| Average equity | $8,650,000 | 5,380 |
| Average total loans | $49,498,500 | 5,247 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5289% | 4,961 |
| Cost of funding earning assets | 0.1951% | 7,243 |
| Net interest margin | 4.3338% | 1,593 |
| Noninterest income to average assets | 0.8838% | 1,729 |
| Noninterest expense to average assets | 4.3296% | 702 |
| Loan and lease loss provision to assets | 0.8926% | 1,078 |
| Net operating income to assets | -0.5123% | 6,496 |
| Return on assets (ROA) | -0.4998% | 6,536 |
| Pretax return on assets | -0.5037% | 6,498 |
| Return on Equity (ROE) | -5.8551% | 6,571 |
| Retained earnings to average equity (ytd only) | -5.8551% | 6,496 |
| Net charge-offs to loans | 0.8671% | 1,999 |
| Credit loss provision to net charge-offs | 199.5652% | 1,258 |
| Earnings coverage of net charge-offs (x) | 0.8413% | 5,171 |
| Efficiency ratio | 92.0041% | 1,047 |
| Assets per employee ($millions) | 2.8419% | 6,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1816% | 693 |
| Loan loss allowance to noncurrent loans | 291.8063% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.9206% | 4,772 |
| Noncurrent loans to loans | 1.0903% | 4,530 |
| Net loans and leases to total assets | 45.3499% | 6,072 |
| Net loans and leases to deposits | 49.6615% | 6,384 |
| Net loans and leases to core deposits | 50.2349% | 6,518 |
| Total domestic deposits to total assets | 91.3180% | 392 |
| Equity capital to assets | 8.2169% | 6,424 |
| Core capital (leverage) ratio | 8.1546% | 6,065 |
| Tier 1 risk-based capital ratio | 15.7566% | 3,183 |
| Total risk-based capital ratio | 17.0262% | 3,132 |
| Memoranda: | ||
| Average total assets | $102,849,200 | 4,825 |
| Average earning assets | $90,705,600 | 4,907 |
| Average equity | $8,778,600 | 5,343 |
| Average total loans | $53,049,200 | 5,156 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6159% | 4,803 |
| Cost of funding earning assets | 0.2158% | 7,316 |
| Net interest margin | 4.4001% | 1,407 |
| Noninterest income to average assets | 0.8904% | 1,684 |
| Noninterest expense to average assets | 4.3751% | 655 |
| Loan and lease loss provision to assets | 1.0273% | 828 |
| Net operating income to assets | -0.6297% | 6,715 |
| Return on assets (ROA) | -0.6127% | 6,744 |
| Pretax return on assets | -0.6140% | 6,685 |
| Return on Equity (ROE) | -7.1103% | 6,775 |
| Retained earnings to average equity (ytd only) | -7.1103% | 6,714 |
| Net charge-offs to loans | 0.9679% | 1,658 |
| Credit loss provision to net charge-offs | 201.0204% | 1,451 |
| Earnings coverage of net charge-offs (x) | 0.7755% | 5,032 |
| Efficiency ratio | 91.6940% | 1,052 |
| Assets per employee ($millions) | 2.9270% | 6,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9527% | 899 |
| Loan loss allowance to noncurrent loans | 191.4758% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.7258% | 5,345 |
| Noncurrent loans to loans | 1.5421% | 3,968 |
| Net loans and leases to total assets | 45.6758% | 6,171 |
| Net loans and leases to deposits | 49.9132% | 6,505 |
| Net loans and leases to core deposits | 51.9295% | 6,569 |
| Total domestic deposits to total assets | 91.5105% | 296 |
| Equity capital to assets | 8.0389% | 6,672 |
| Core capital (leverage) ratio | 8.1346% | 6,239 |
| Tier 1 risk-based capital ratio | 15.4212% | 3,426 |
| Total risk-based capital ratio | 16.6896% | 3,392 |
| Memoranda: | ||
| Average total assets | $102,274,250 | 4,858 |
| Average earning assets | $90,208,500 | 4,951 |
| Average equity | $8,813,250 | 5,357 |
| Average total loans | $53,998,500 | 5,159 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8006% | 4,096 |
| Cost of funding earning assets | 0.2377% | 7,372 |
| Net interest margin | 4.5629% | 985 |
| Noninterest income to average assets | 0.8836% | 1,700 |
| Noninterest expense to average assets | 4.3843% | 678 |
| Loan and lease loss provision to assets | 1.1809% | 667 |
| Net operating income to assets | -0.6563% | 6,794 |
| Return on assets (ROA) | -0.6563% | 6,798 |
| Pretax return on assets | -0.6602% | 6,744 |
| Return on Equity (ROE) | -7.4359% | 6,839 |
| Retained earnings to average equity (ytd only) | -7.4359% | 6,738 |
| Net charge-offs to loans | 1.3634% | 1,115 |
| Credit loss provision to net charge-offs | 157.8667% | 1,933 |
| Earnings coverage of net charge-offs (x) | 0.6960% | 4,773 |
| Efficiency ratio | 89.3859% | 1,288 |
| Assets per employee ($millions) | 2.6901% | 6,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5169% | 1,422 |
| Loan loss allowance to noncurrent loans | 101.1442% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 1.2825% | 4,333 |
| Noncurrent loans to loans | 2.4885% | 2,897 |
| Net loans and leases to total assets | 50.2392% | 5,794 |
| Net loans and leases to deposits | 55.2380% | 6,205 |
| Net loans and leases to core deposits | 60.8387% | 6,019 |
| Total domestic deposits to total assets | 90.9504% | 517 |
| Equity capital to assets | 8.5703% | 6,101 |
| Core capital (leverage) ratio | 8.4748% | 5,594 |
| Tier 1 risk-based capital ratio | 14.1523% | 4,057 |
| Total risk-based capital ratio | 15.4137% | 4,017 |
| Memoranda: | ||
| Average total assets | $100,266,330 | 4,955 |
| Average earning assets | $88,364,000 | 5,045 |
| Average equity | $8,849,000 | 5,364 |
| Average total loans | $55,007,670 | 5,171 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8184% | 3,971 |
| Cost of funding earning assets | 0.2473% | 7,441 |
| Net interest margin | 4.5711% | 916 |
| Noninterest income to average assets | 0.8742% | 1,750 |
| Noninterest expense to average assets | 4.6048% | 535 |
| Loan and lease loss provision to assets | 1.6034% | 383 |
| Net operating income to assets | -1.3134% | 7,138 |
| Return on assets (ROA) | -1.3134% | 7,143 |
| Pretax return on assets | -1.3134% | 7,101 |
| Return on Equity (ROE) | -14.6632% | 7,142 |
| Retained earnings to average equity (ytd only) | -14.6632% | 7,032 |
| Net charge-offs to loans | 2.4853% | 467 |
| Credit loss provision to net charge-offs | 114.0401% | 2,354 |
| Earnings coverage of net charge-offs (x) | 0.2063% | 4,458 |
| Efficiency ratio | 94.0741% | 1,034 |
| Assets per employee ($millions) | 2.6576% | 6,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1060% | 2,176 |
| Loan loss allowance to noncurrent loans | 74.1357% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.5467% | 3,929 |
| Noncurrent loans to loans | 2.8408% | 2,660 |
| Net loans and leases to total assets | 53.2993% | 5,412 |
| Net loans and leases to deposits | 58.6824% | 5,862 |
| Net loans and leases to core deposits | 64.7122% | 5,651 |
| Total domestic deposits to total assets | 90.8268% | 705 |
| Equity capital to assets | 8.6474% | 5,719 |
| Core capital (leverage) ratio | 8.7305% | 5,035 |
| Tier 1 risk-based capital ratio | 14.4211% | 3,793 |
| Total risk-based capital ratio | 15.6795% | 3,743 |
| Memoranda: | ||
| Average total assets | $99,287,000 | 5,022 |
| Average earning assets | $87,332,000 | 5,117 |
| Average equity | $8,893,000 | 5,360 |
| Average total loans | $56,170,000 | 5,167 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5582% | 2,054 |
| Cost of funding earning assets | 0.3696% | 7,455 |
| Net interest margin | 5.1886% | 290 |
| Noninterest income to average assets | 1.0113% | 1,470 |
| Noninterest expense to average assets | 4.5304% | 632 |
| Loan and lease loss provision to assets | 0.6424% | 2,566 |
| Net operating income to assets | 0.2222% | 5,209 |
| Return on assets (ROA) | 0.2222% | 5,358 |
| Pretax return on assets | 0.3699% | 5,031 |
| Return on Equity (ROE) | 2.3426% | 5,242 |
| Retained earnings to average equity (ytd only) | 2.3426% | 4,237 |
| Net charge-offs to loans | 0.7492% | 2,767 |
| Credit loss provision to net charge-offs | 137.1365% | 2,788 |
| Earnings coverage of net charge-offs (x) | 2.1611% | 4,095 |
| Efficiency ratio | 81.7357% | 2,197 |
| Assets per employee ($millions) | 2.5680% | 6,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9336% | 2,463 |
| Loan loss allowance to noncurrent loans | 122.4062% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.9284% | 5,152 |
| Noncurrent loans to loans | 1.5796% | 4,133 |
| Net loans and leases to total assets | 57.6385% | 5,076 |
| Net loans and leases to deposits | 63.9275% | 5,636 |
| Net loans and leases to core deposits | 71.2624% | 5,299 |
| Total domestic deposits to total assets | 90.1623% | 1,011 |
| Equity capital to assets | 9.2771% | 4,712 |
| Core capital (leverage) ratio | 8.9213% | 4,656 |
| Tier 1 risk-based capital ratio | 15.1385% | 3,177 |
| Total risk-based capital ratio | 16.3954% | 3,120 |
| Memoranda: | ||
| Average total assets | $95,422,600 | 5,117 |
| Average earning assets | $83,336,000 | 5,238 |
| Average equity | $9,049,800 | 5,405 |
| Average total loans | $59,666,200 | 5,083 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6582% | 1,858 |
| Cost of funding earning assets | 0.3947% | 7,575 |
| Net interest margin | 5.2635% | 259 |
| Noninterest income to average assets | 1.0089% | 1,442 |
| Noninterest expense to average assets | 4.4812% | 614 |
| Loan and lease loss provision to assets | 0.4216% | 3,378 |
| Net operating income to assets | 0.4188% | 4,666 |
| Return on assets (ROA) | 0.4188% | 4,843 |
| Pretax return on assets | 0.6970% | 4,237 |
| Return on Equity (ROE) | 4.3908% | 4,600 |
| Retained earnings to average equity (ytd only) | 4.3908% | 3,403 |
| Net charge-offs to loans | 0.2102% | 4,682 |
| Credit loss provision to net charge-offs | 315.7895% | 995 |
| Earnings coverage of net charge-offs (x) | 8.3792% | 2,174 |
| Efficiency ratio | 80.0251% | 2,329 |
| Assets per employee ($millions) | 2.7286% | 6,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9457% | 2,363 |
| Loan loss allowance to noncurrent loans | 124.3770% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.9142% | 5,280 |
| Noncurrent loans to loans | 1.5644% | 4,294 |
| Net loans and leases to total assets | 57.3035% | 5,363 |
| Net loans and leases to deposits | 63.4054% | 5,982 |
| Net loans and leases to core deposits | 70.8176% | 5,666 |
| Total domestic deposits to total assets | 90.3763% | 688 |
| Equity capital to assets | 9.0809% | 5,474 |
| Core capital (leverage) ratio | 9.2293% | 4,317 |
| Tier 1 risk-based capital ratio | 14.1580% | 3,717 |
| Total risk-based capital ratio | 15.4141% | 3,683 |
| Memoranda: | ||
| Average total assets | $94,882,250 | 5,195 |
| Average earning assets | $82,757,000 | 5,316 |
| Average equity | $9,049,000 | 5,480 |
| Average total loans | $60,244,000 | 5,137 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8406% | 1,318 |
| Cost of funding earning assets | 0.4380% | 7,624 |
| Net interest margin | 5.4026% | 198 |
| Noninterest income to average assets | 1.0080% | 1,360 |
| Noninterest expense to average assets | 4.5231% | 558 |
| Loan and lease loss provision to assets | 0.3231% | 3,808 |
| Net operating income to assets | 0.5191% | 4,245 |
| Return on assets (ROA) | 0.5191% | 4,400 |
| Pretax return on assets | 0.8637% | 3,645 |
| Return on Equity (ROE) | 5.3500% | 4,110 |
| Retained earnings to average equity (ytd only) | 5.3500% | 2,698 |
| Net charge-offs to loans | 0.1780% | 4,542 |
| Credit loss provision to net charge-offs | 277.7778% | 1,339 |
| Earnings coverage of net charge-offs (x) | 10.2037% | 1,922 |
| Efficiency ratio | 79.2154% | 2,540 |
| Assets per employee ($millions) | 2.5654% | 7,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7547% | 2,884 |
| Loan loss allowance to noncurrent loans | 157.4242% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.6953% | 5,754 |
| Noncurrent loans to loans | 1.1147% | 5,094 |
| Net loans and leases to total assets | 61.2846% | 4,825 |
| Net loans and leases to deposits | 68.2426% | 5,534 |
| Net loans and leases to core deposits | 77.3615% | 5,044 |
| Total domestic deposits to total assets | 89.8042% | 1,021 |
| Equity capital to assets | 9.6048% | 4,541 |
| Core capital (leverage) ratio | 9.5550% | 3,735 |
| Tier 1 risk-based capital ratio | 14.3200% | 3,528 |
| Total risk-based capital ratio | 15.5749% | 3,499 |
| Memoranda: | ||
| Average total assets | $92,856,670 | 5,285 |
| Average earning assets | $80,813,670 | 5,407 |
| Average equity | $9,009,330 | 5,498 |
| Average total loans | $60,658,330 | 5,153 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9586% | 1,057 |
| Cost of funding earning assets | 0.4695% | 7,711 |
| Net interest margin | 5.4891% | 181 |
| Noninterest income to average assets | 1.0280% | 1,215 |
| Noninterest expense to average assets | 4.5304% | 566 |
| Loan and lease loss provision to assets | 0.6534% | 1,942 |
| Net operating income to assets | 0.3790% | 4,933 |
| Return on assets (ROA) | 0.3790% | 5,064 |
| Pretax return on assets | 0.6316% | 4,483 |
| Return on Equity (ROE) | 3.8859% | 4,944 |
| Retained earnings to average equity (ytd only) | 3.8859% | 3,810 |
| Net charge-offs to loans | 0.0261% | 5,203 |
| Credit loss provision to net charge-offs | 3,750.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 73.7500% | 422 |
| Efficiency ratio | 77.9026% | 2,916 |
| Assets per employee ($millions) | 2.5159% | 7,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7766% | 2,800 |
| Loan loss allowance to noncurrent loans | 84.6812% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 1.3815% | 4,435 |
| Noncurrent loans to loans | 2.0980% | 3,659 |
| Net loans and leases to total assets | 64.6779% | 4,178 |
| Net loans and leases to deposits | 71.9770% | 5,053 |
| Net loans and leases to core deposits | 81.7732% | 4,526 |
| Total domestic deposits to total assets | 89.8592% | 1,064 |
| Equity capital to assets | 9.6478% | 4,310 |
| Core capital (leverage) ratio | 9.6242% | 3,613 |
| Tier 1 risk-based capital ratio | 13.5093% | 3,976 |
| Total risk-based capital ratio | 14.7640% | 3,938 |
| Memoranda: | ||
| Average total assets | $91,824,500 | 5,392 |
| Average earning assets | $80,085,500 | 5,501 |
| Average equity | $8,955,500 | 5,555 |
| Average total loans | $61,382,000 | 5,196 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0678% | 1,607 |
| Cost of funding earning assets | 0.6783% | 7,710 |
| Net interest margin | 5.3895% | 212 |
| Noninterest income to average assets | 1.0022% | 1,567 |
| Noninterest expense to average assets | 4.6417% | 689 |
| Loan and lease loss provision to assets | 0.7460% | 2,873 |
| Net operating income to assets | 0.2115% | 4,866 |
| Return on assets (ROA) | 0.2928% | 4,644 |
| Pretax return on assets | 0.4887% | 4,214 |
| Return on Equity (ROE) | 3.0676% | 4,468 |
| Retained earnings to average equity (ytd only) | 3.0676% | 3,010 |
| Net charge-offs to loans | 1.0071% | 2,401 |
| Credit loss provision to net charge-offs | 113.0506% | 4,850 |
| Earnings coverage of net charge-offs (x) | 1.6786% | 4,478 |
| Efficiency ratio | 80.7339% | 2,782 |
| Assets per employee ($millions) | 2.5156% | 7,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5342% | 3,556 |
| Loan loss allowance to noncurrent loans | 138.2698% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.7531% | 5,600 |
| Noncurrent loans to loans | 1.1095% | 5,107 |
| Net loans and leases to total assets | 66.8330% | 3,966 |
| Net loans and leases to deposits | 74.6721% | 4,928 |
| Net loans and leases to core deposits | 88.9915% | 5,222 |
| Total domestic deposits to total assets | 89.5020% | 1,207 |
| Equity capital to assets | 9.8609% | 3,929 |
| Core capital (leverage) ratio | 9.3202% | 3,944 |
| Tier 1 risk-based capital ratio | 12.7161% | 4,350 |
| Total risk-based capital ratio | 13.9681% | 4,286 |
| Memoranda: | ||
| Average total assets | $92,896,600 | 5,306 |
| Average earning assets | $81,825,400 | 5,401 |
| Average equity | $8,867,000 | 5,646 |
| Average total loans | $60,870,200 | 5,214 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0014% | 2,037 |
| Cost of funding earning assets | 0.7112% | 7,800 |
| Net interest margin | 5.2903% | 256 |
| Noninterest income to average assets | 0.9741% | 1,691 |
| Noninterest expense to average assets | 4.5441% | 706 |
| Loan and lease loss provision to assets | 0.6418% | 2,831 |
| Net operating income to assets | 0.2688% | 4,910 |
| Return on assets (ROA) | 0.3765% | 4,594 |
| Pretax return on assets | 0.6247% | 4,112 |
| Return on Equity (ROE) | 3.9767% | 4,383 |
| Retained earnings to average equity (ytd only) | 3.9767% | 3,056 |
| Net charge-offs to loans | 0.7422% | 2,507 |
| Credit loss provision to net charge-offs | 133.1361% | 3,750 |
| Earnings coverage of net charge-offs (x) | 2.2781% | 4,114 |
| Efficiency ratio | 80.5359% | 2,768 |
| Assets per employee ($millions) | 2.5326% | 7,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5659% | 3,139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 65.4046% | 4,560 |
| Net loans and leases to deposits | 73.5547% | 5,436 |
| Net loans and leases to core deposits | 88.4412% | 5,601 |
| Total domestic deposits to total assets | 88.9196% | 1,233 |
| Equity capital to assets | 9.5426% | 4,690 |
| Core capital (leverage) ratio | 9.0935% | 4,503 |
| Tier 1 risk-based capital ratio | 12.6264% | 4,456 |
| Total risk-based capital ratio | 13.8779% | 4,401 |
| Memoranda: | ||
| Average total assets | $93,480,750 | 5,316 |
| Average earning assets | $82,489,250 | 5,412 |
| Average equity | $8,851,250 | 5,703 |
| Average total loans | $60,721,000 | 5,251 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1050% | 1,777 |
| Cost of funding earning assets | 0.7399% | 7,882 |
| Net interest margin | 5.3652% | 223 |
| Noninterest income to average assets | 0.9186% | 1,905 |
| Noninterest expense to average assets | 4.5008% | 778 |
| Loan and lease loss provision to assets | 0.6424% | 2,505 |
| Net operating income to assets | 0.3072% | 4,861 |
| Return on assets (ROA) | 0.4689% | 4,336 |
| Pretax return on assets | 0.7794% | 3,747 |
| Return on Equity (ROE) | 4.9654% | 4,092 |
| Retained earnings to average equity (ytd only) | 4.9654% | 2,533 |
| Net charge-offs to loans | 0.5747% | 2,605 |
| Credit loss provision to net charge-offs | 173.4104% | 2,651 |
| Earnings coverage of net charge-offs (x) | 3.1561% | 3,541 |
| Efficiency ratio | 79.3807% | 3,137 |
| Assets per employee ($millions) | 2.5299% | 7,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6246% | 2,637 |
| Loan loss allowance to noncurrent loans | 206.6806% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.7604% | 5,502 |
| Noncurrent loans to loans | 0.7861% | 5,661 |
| Net loans and leases to total assets | 62.3552% | 5,294 |
| Net loans and leases to deposits | 69.1486% | 6,077 |
| Net loans and leases to core deposits | 82.9429% | 6,165 |
| Total domestic deposits to total assets | 90.1756% | 759 |
| Equity capital to assets | 9.2357% | 4,956 |
| Core capital (leverage) ratio | 9.1947% | 4,314 |
| Tier 1 risk-based capital ratio | 12.0528% | 4,876 |
| Total risk-based capital ratio | 13.3048% | 4,789 |
| Memoranda: | ||
| Average total assets | $93,405,670 | 5,364 |
| Average earning assets | $82,718,670 | 5,447 |
| Average equity | $8,821,000 | 5,744 |
| Average total loans | $60,207,000 | 5,319 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2817% | 1,355 |
| Cost of funding earning assets | 0.7877% | 7,923 |
| Net interest margin | 5.4941% | 179 |
| Noninterest income to average assets | 0.9605% | 1,605 |
| Noninterest expense to average assets | 4.4894% | 715 |
| Loan and lease loss provision to assets | 0.6519% | 1,936 |
| Net operating income to assets | 0.4174% | 4,786 |
| Return on assets (ROA) | 0.7345% | 3,602 |
| Pretax return on assets | 1.1951% | 2,648 |
| Return on Equity (ROE) | 7.6888% | 3,292 |
| Retained earnings to average equity (ytd only) | 7.6888% | 1,938 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8601% | 3,351 |
| Assets per employee ($millions) | 2.5211% | 7,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6574% | 2,280 |
| Loan loss allowance to noncurrent loans | 138.7671% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.9112% | 4,913 |
| Noncurrent loans to loans | 1.1944% | 4,585 |
| Net loans and leases to total assets | 64.4347% | 4,912 |
| Net loans and leases to deposits | 71.6477% | 5,788 |
| Net loans and leases to core deposits | 83.2989% | 6,121 |
| Total domestic deposits to total assets | 89.9327% | 831 |
| Equity capital to assets | 9.4949% | 4,670 |
| Core capital (leverage) ratio | 9.5049% | 3,980 |
| Tier 1 risk-based capital ratio | 12.0577% | 4,916 |
| Total risk-based capital ratio | 13.3090% | 4,806 |
| Memoranda: | ||
| Average total assets | $92,039,500 | 5,420 |
| Average earning assets | $81,761,000 | 5,492 |
| Average equity | $8,792,000 | 5,777 |
| Average total loans | $59,842,000 | 5,367 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6387% | 2,297 |
| Cost of funding earning assets | 0.9820% | 8,062 |
| Net interest margin | 5.6567% | 162 |
| Noninterest income to average assets | 1.0305% | 1,483 |
| Noninterest expense to average assets | 4.5384% | 860 |
| Loan and lease loss provision to assets | 0.7205% | 2,051 |
| Net operating income to assets | 0.5130% | 4,670 |
| Return on assets (ROA) | 0.5181% | 4,507 |
| Pretax return on assets | 0.8628% | 3,843 |
| Return on Equity (ROE) | 5.3487% | 4,217 |
| Retained earnings to average equity (ytd only) | 5.3487% | 1,837 |
| Net charge-offs to loans | 0.6311% | 1,949 |
| Credit loss provision to net charge-offs | 188.2175% | 2,630 |
| Earnings coverage of net charge-offs (x) | 4.1148% | 4,102 |
| Efficiency ratio | 74.2338% | 3,533 |
| Assets per employee ($millions) | 2.3281% | 7,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4736% | 2,811 |
| Loan loss allowance to noncurrent loans | 345.2000% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.4075% | 5,993 |
| Noncurrent loans to loans | 0.4269% | 6,060 |
| Net loans and leases to total assets | 63.5506% | 5,364 |
| Net loans and leases to deposits | 70.7193% | 6,198 |
| Net loans and leases to core deposits | 81.4574% | 6,496 |
| Total domestic deposits to total assets | 89.8631% | 709 |
| Equity capital to assets | 9.6116% | 4,527 |
| Core capital (leverage) ratio | 8.8886% | 4,912 |
| Tier 1 risk-based capital ratio | 12.1771% | 4,683 |
| Total risk-based capital ratio | 13.4218% | 4,579 |
| Memoranda: | ||
| Average total assets | $86,462,000 | 5,464 |
| Average earning assets | $77,695,400 | 5,516 |
| Average equity | $8,375,800 | 5,955 |
| Average total loans | $52,444,000 | 5,602 |