Home > New West Bank > Performance and Condition Ratios
New West 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 | 3.7334% | 5,046 |
| Cost of funding earning assets | 0.4330% | 4,771 |
| Net interest margin | 3.3004% | 4,516 |
| Noninterest income to average assets | 0.2167% | 5,923 |
| Noninterest expense to average assets | 2.6972% | 4,072 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6681% | 3,859 |
| Return on assets (ROA) | 3.8980% | 69 |
| Pretax return on assets | 3.8980% | 87 |
| Return on Equity (ROE) | 44.0308% | 35 |
| Retained earnings to average equity (ytd only) | 32.2009% | 36 |
| Net charge-offs to loans | 0.1721% | 2,367 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 1,991 |
| Efficiency ratio | 80.1476% | 2,319 |
| Assets per employee ($millions) | 6.2564% | 1,102 |
| Cash dividends to net income (ytd only)* | 26.8674% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 4,857 |
| Loan loss allowance to noncurrent loans | 1,914.0351% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 5,873 |
| Noncurrent loans to loans | 0.0662% | 6,281 |
| Net loans and leases to total assets | 48.5075% | 5,172 |
| Net loans and leases to deposits | 53.3555% | 5,490 |
| Net loans and leases to core deposits | 58.4037% | 5,300 |
| Total domestic deposits to total assets | 90.9139% | 562 |
| Equity capital to assets | 8.9092% | 5,605 |
| Core capital (leverage) ratio | 8.9487% | 4,974 |
| Tier 1 risk-based capital ratio | 14.9222% | 3,898 |
| Total risk-based capital ratio | 15.9572% | 4,000 |
| Memoranda: | ||
| Average total assets | $177,219,000 | 3,386 |
| Average earning assets | $169,070,500 | 3,292 |
| Average equity | $15,689,000 | 3,877 |
| Average total loans | $86,016,500 | 3,839 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6846% | 2,658 |
| Cost of funding earning assets | 0.5918% | 4,421 |
| Net interest margin | 4.0929% | 2,030 |
| Noninterest income to average assets | 0.1548% | 6,260 |
| Noninterest expense to average assets | 2.9918% | 3,309 |
| Loan and lease loss provision to assets | 0.2084% | 3,059 |
| Net operating income to assets | 0.8301% | 3,139 |
| Return on assets (ROA) | 0.9909% | 2,598 |
| Pretax return on assets | 0.9909% | 3,575 |
| Return on Equity (ROE) | 10.9334% | 1,824 |
| Retained earnings to average equity (ytd only) | 7.1816% | 1,481 |
| Net charge-offs to loans | 0.4715% | 2,349 |
| Credit loss provision to net charge-offs | 89.5141% | 3,498 |
| Earnings coverage of net charge-offs (x) | 4.4604% | 3,360 |
| Efficiency ratio | 74.2317% | 3,032 |
| Assets per employee ($millions) | 6.4021% | 1,050 |
| Cash dividends to net income (ytd only)* | 34.3149% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 4,570 |
| Loan loss allowance to noncurrent loans | 861.0687% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 5,561 |
| Noncurrent loans to loans | 0.1524% | 6,100 |
| Net loans and leases to total assets | 47.3276% | 5,475 |
| Net loans and leases to deposits | 52.0775% | 5,800 |
| Net loans and leases to core deposits | 56.7269% | 5,658 |
| Total domestic deposits to total assets | 90.8791% | 537 |
| Equity capital to assets | 8.7979% | 5,749 |
| Core capital (leverage) ratio | 8.3276% | 5,856 |
| Tier 1 risk-based capital ratio | 14.1351% | 4,290 |
| Total risk-based capital ratio | 15.2373% | 4,355 |
| Memoranda: | ||
| Average total assets | $167,927,000 | 3,486 |
| Average earning assets | $159,008,800 | 3,392 |
| Average equity | $15,219,400 | 3,910 |
| Average total loans | $82,928,400 | 3,948 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7435% | 2,609 |
| Cost of funding earning assets | 0.6119% | 4,523 |
| Net interest margin | 4.1315% | 1,971 |
| Noninterest income to average assets | 0.1599% | 6,338 |
| Noninterest expense to average assets | 3.0019% | 3,223 |
| Loan and lease loss provision to assets | 0.2665% | 2,444 |
| Net operating income to assets | 0.8011% | 3,447 |
| Return on assets (ROA) | 1.0192% | 2,644 |
| Pretax return on assets | 1.0192% | 3,640 |
| Return on Equity (ROE) | 11.1568% | 1,903 |
| Retained earnings to average equity (ytd only) | 6.1089% | 2,627 |
| Net charge-offs to loans | 0.6215% | 1,771 |
| Credit loss provision to net charge-offs | 86.1619% | 3,429 |
| Earnings coverage of net charge-offs (x) | 3.4517% | 3,641 |
| Efficiency ratio | 73.7646% | 3,026 |
| Assets per employee ($millions) | 6.0929% | 1,189 |
| Cash dividends to net income (ytd only)* | 45.2455% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 4,559 |
| Loan loss allowance to noncurrent loans | 790.7801% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 5,633 |
| Noncurrent loans to loans | 0.1712% | 6,183 |
| Net loans and leases to total assets | 47.6208% | 5,594 |
| Net loans and leases to deposits | 52.7063% | 5,916 |
| Net loans and leases to core deposits | 60.3711% | 5,517 |
| Total domestic deposits to total assets | 90.3512% | 653 |
| Equity capital to assets | 9.0966% | 5,716 |
| Core capital (leverage) ratio | 8.3355% | 5,960 |
| Tier 1 risk-based capital ratio | 14.1413% | 4,426 |
| Total risk-based capital ratio | 15.2626% | 4,467 |
| Memoranda: | ||
| Average total assets | $165,094,000 | 3,565 |
| Average earning assets | $156,225,500 | 3,486 |
| Average equity | $15,081,500 | 3,982 |
| Average total loans | $82,168,750 | 4,016 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7753% | 2,605 |
| Cost of funding earning assets | 0.6393% | 4,536 |
| Net interest margin | 4.1360% | 1,952 |
| Noninterest income to average assets | 0.1164% | 6,606 |
| Noninterest expense to average assets | 2.9095% | 3,580 |
| Loan and lease loss provision to assets | 0.3308% | 1,984 |
| Net operating income to assets | 0.7914% | 3,425 |
| Return on assets (ROA) | 1.0119% | 2,632 |
| Pretax return on assets | 1.0119% | 3,658 |
| Return on Equity (ROE) | 11.0608% | 1,972 |
| Retained earnings to average equity (ytd only) | 3.4146% | 4,326 |
| Net charge-offs to loans | -0.0317% | 6,540 |
| Credit loss provision to net charge-offs | -2,076.9231% | 6,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1665% | 3,408 |
| Assets per employee ($millions) | 5.7986% | 1,373 |
| Cash dividends to net income (ytd only)* | 69.1283% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7686% | 2,957 |
| Loan loss allowance to noncurrent loans | 307.6271% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.6750% | 5,088 |
| Noncurrent loans to loans | 0.5749% | 5,363 |
| Net loans and leases to total assets | 49.6717% | 5,396 |
| Net loans and leases to deposits | 54.9583% | 5,773 |
| Net loans and leases to core deposits | 64.2619% | 5,183 |
| Total domestic deposits to total assets | 90.3808% | 724 |
| Equity capital to assets | 9.3076% | 5,307 |
| Core capital (leverage) ratio | 8.4649% | 5,694 |
| Tier 1 risk-based capital ratio | 14.1700% | 4,325 |
| Total risk-based capital ratio | 15.4229% | 4,286 |
| Memoranda: | ||
| Average total assets | $163,258,000 | 3,611 |
| Average earning assets | $154,545,670 | 3,526 |
| Average equity | $14,935,670 | 4,004 |
| Average total loans | $82,106,000 | 4,036 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7640% | 2,790 |
| Cost of funding earning assets | 0.6595% | 4,641 |
| Net interest margin | 4.1044% | 2,071 |
| Noninterest income to average assets | 0.0024% | 7,084 |
| Noninterest expense to average assets | 2.8539% | 3,807 |
| Loan and lease loss provision to assets | 0.1222% | 3,816 |
| Net operating income to assets | 0.9041% | 2,897 |
| Return on assets (ROA) | 1.0800% | 2,352 |
| Pretax return on assets | 1.0800% | 3,396 |
| Return on Equity (ROE) | 11.9077% | 1,698 |
| Retained earnings to average equity (ytd only) | -3.4753% | 6,443 |
| Net charge-offs to loans | -0.0292% | 6,334 |
| Credit loss provision to net charge-offs | -833.3333% | 5,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5516% | 3,167 |
| Assets per employee ($millions) | 5.8304% | 1,398 |
| Cash dividends to net income (ytd only)* | 129.1855% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5142% | 4,086 |
| Loan loss allowance to noncurrent loans | 200.1634% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 1.3329% | 3,891 |
| Noncurrent loans to loans | 0.7565% | 5,150 |
| Net loans and leases to total assets | 48.8064% | 5,453 |
| Net loans and leases to deposits | 53.8904% | 5,819 |
| Net loans and leases to core deposits | 65.0775% | 5,010 |
| Total domestic deposits to total assets | 90.5661% | 768 |
| Equity capital to assets | 9.1050% | 5,354 |
| Core capital (leverage) ratio | 8.2107% | 6,012 |
| Tier 1 risk-based capital ratio | 13.8569% | 4,564 |
| Total risk-based capital ratio | 15.1072% | 4,542 |
| Memoranda: | ||
| Average total assets | $163,706,000 | 3,628 |
| Average earning assets | $154,661,500 | 3,540 |
| Average equity | $14,847,500 | 4,026 |
| Average total loans | $82,109,000 | 4,061 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0057% | 2,854 |
| Cost of funding earning assets | 0.9217% | 3,948 |
| Net interest margin | 4.0840% | 2,507 |
| Noninterest income to average assets | -0.0045% | 7,005 |
| Noninterest expense to average assets | 2.8439% | 4,187 |
| Loan and lease loss provision to assets | 0.2106% | 4,080 |
| Net operating income to assets | 0.7927% | 3,069 |
| Return on assets (ROA) | 0.8935% | 2,763 |
| Pretax return on assets | 0.8935% | 3,625 |
| Return on Equity (ROE) | 10.1888% | 1,996 |
| Retained earnings to average equity (ytd only) | 7.2049% | 1,404 |
| Net charge-offs to loans | 0.4775% | 3,080 |
| Credit loss provision to net charge-offs | 85.0515% | 4,240 |
| Earnings coverage of net charge-offs (x) | 4.0515% | 3,285 |
| Efficiency ratio | 73.9217% | 3,249 |
| Assets per employee ($millions) | 6.0800% | 1,174 |
| Cash dividends to net income (ytd only)* | 29.2857% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4031% | 4,442 |
| Loan loss allowance to noncurrent loans | 1,646.4789% | 277 |
| Noncurrent assets plus other real estate owned to assets | 1.6240% | 3,521 |
| Noncurrent loans to loans | 0.0852% | 6,594 |
| Net loans and leases to total assets | 50.0405% | 5,574 |
| Net loans and leases to deposits | 55.9970% | 5,897 |
| Net loans and leases to core deposits | 64.6623% | 5,401 |
| Total domestic deposits to total assets | 89.3629% | 1,327 |
| Equity capital to assets | 9.0344% | 5,512 |
| Core capital (leverage) ratio | 8.1336% | 6,095 |
| Tier 1 risk-based capital ratio | 13.5082% | 4,689 |
| Total risk-based capital ratio | 14.6880% | 4,708 |
| Memoranda: | ||
| Average total assets | $156,687,600 | 3,683 |
| Average earning assets | $147,772,600 | 3,610 |
| Average equity | $13,740,600 | 4,178 |
| Average total loans | $81,250,600 | 4,105 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0986% | 2,612 |
| Cost of funding earning assets | 0.9489% | 4,059 |
| Net interest margin | 4.1497% | 2,280 |
| Noninterest income to average assets | 0.1740% | 6,344 |
| Noninterest expense to average assets | 2.7808% | 4,414 |
| Loan and lease loss provision to assets | 0.3962% | 2,479 |
| Net operating income to assets | 0.9103% | 2,699 |
| Return on assets (ROA) | 0.9645% | 2,629 |
| Pretax return on assets | 0.9645% | 3,541 |
| Return on Equity (ROE) | 11.0878% | 1,839 |
| Retained earnings to average equity (ytd only) | 7.0288% | 1,952 |
| Net charge-offs to loans | 0.6523% | 2,295 |
| Credit loss provision to net charge-offs | 116.4557% | 2,805 |
| Earnings coverage of net charge-offs (x) | 3.8405% | 3,279 |
| Efficiency ratio | 68.0362% | 4,303 |
| Assets per employee ($millions) | 6.0354% | 1,180 |
| Cash dividends to net income (ytd only)* | 36.6068% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5816% | 3,748 |
| Loan loss allowance to noncurrent loans | 119.3161% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 1.8506% | 3,330 |
| Noncurrent loans to loans | 1.3255% | 4,320 |
| Net loans and leases to total assets | 51.1958% | 5,554 |
| Net loans and leases to deposits | 57.4492% | 5,896 |
| Net loans and leases to core deposits | 71.2359% | 4,814 |
| Total domestic deposits to total assets | 89.1149% | 1,360 |
| Equity capital to assets | 9.4073% | 5,232 |
| Core capital (leverage) ratio | 8.3407% | 5,928 |
| Tier 1 risk-based capital ratio | 13.5720% | 4,684 |
| Total risk-based capital ratio | 14.8231% | 4,652 |
| Memoranda: | ||
| Average total assets | $154,819,250 | 3,745 |
| Average earning assets | $145,997,250 | 3,662 |
| Average equity | $13,468,000 | 4,252 |
| Average total loans | $80,734,250 | 4,154 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0289% | 3,020 |
| Cost of funding earning assets | 0.9852% | 4,051 |
| Net interest margin | 4.0437% | 2,636 |
| Noninterest income to average assets | 0.1778% | 6,382 |
| Noninterest expense to average assets | 2.6720% | 4,932 |
| Loan and lease loss provision to assets | 0.4801% | 2,058 |
| Net operating income to assets | 0.8448% | 2,883 |
| Return on assets (ROA) | 0.8811% | 2,831 |
| Pretax return on assets | 0.8811% | 3,704 |
| Return on Equity (ROE) | 10.4168% | 1,978 |
| Retained earnings to average equity (ytd only) | 4.1268% | 3,572 |
| Net charge-offs to loans | 0.9821% | 1,602 |
| Credit loss provision to net charge-offs | 93.6709% | 3,356 |
| Earnings coverage of net charge-offs (x) | 2.5848% | 3,534 |
| Efficiency ratio | 66.8506% | 4,717 |
| Assets per employee ($millions) | 6.4426% | 953 |
| Cash dividends to net income (ytd only)* | 60.3829% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 4,276 |
| Loan loss allowance to noncurrent loans | 110.9880% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 1.8316% | 3,465 |
| Noncurrent loans to loans | 1.3209% | 4,441 |
| Net loans and leases to total assets | 50.1568% | 5,800 |
| Net loans and leases to deposits | 56.3433% | 6,104 |
| Net loans and leases to core deposits | 69.8699% | 5,090 |
| Total domestic deposits to total assets | 89.0200% | 1,519 |
| Equity capital to assets | 8.7157% | 5,923 |
| Core capital (leverage) ratio | 8.3027% | 5,868 |
| Tier 1 risk-based capital ratio | 12.8688% | 5,027 |
| Total risk-based capital ratio | 14.0914% | 5,034 |
| Memoranda: | ||
| Average total assets | $154,118,670 | 3,776 |
| Average earning assets | $145,559,000 | 3,700 |
| Average equity | $13,036,670 | 4,335 |
| Average total loans | $80,436,330 | 4,198 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9620% | 3,283 |
| Cost of funding earning assets | 1.0605% | 3,780 |
| Net interest margin | 3.9015% | 3,130 |
| Noninterest income to average assets | 0.2655% | 5,771 |
| Noninterest expense to average assets | 2.7561% | 4,623 |
| Loan and lease loss provision to assets | 0.4514% | 1,956 |
| Net operating income to assets | 0.7408% | 3,319 |
| Return on assets (ROA) | 0.7913% | 3,145 |
| Pretax return on assets | 0.7913% | 3,931 |
| Return on Equity (ROE) | 9.5086% | 2,278 |
| Retained earnings to average equity (ytd only) | -3.5737% | 6,371 |
| Net charge-offs to loans | 0.9942% | 1,363 |
| Credit loss provision to net charge-offs | 85.8586% | 3,022 |
| Earnings coverage of net charge-offs (x) | 2.2677% | 3,180 |
| Efficiency ratio | 69.8050% | 4,318 |
| Assets per employee ($millions) | 5.9716% | 1,214 |
| Cash dividends to net income (ytd only)* | 137.5839% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5043% | 4,186 |
| Loan loss allowance to noncurrent loans | 64.8459% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 2.7878% | 2,472 |
| Noncurrent loans to loans | 2.3198% | 3,167 |
| Net loans and leases to total assets | 52.5859% | 5,508 |
| Net loans and leases to deposits | 59.0164% | 5,822 |
| Net loans and leases to core deposits | 74.2900% | 4,507 |
| Total domestic deposits to total assets | 89.1038% | 1,713 |
| Equity capital to assets | 8.4895% | 5,923 |
| Core capital (leverage) ratio | 8.1535% | 6,045 |
| Tier 1 risk-based capital ratio | 12.7458% | 5,019 |
| Total risk-based capital ratio | 13.9912% | 5,001 |
| Memoranda: | ||
| Average total assets | $150,645,500 | 3,868 |
| Average earning assets | $142,200,000 | 3,787 |
| Average equity | $12,536,000 | 4,433 |
| Average total loans | $79,661,000 | 4,264 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1316% | 3,951 |
| Cost of funding earning assets | 1.4052% | 3,232 |
| Net interest margin | 3.7263% | 4,241 |
| Noninterest income to average assets | 0.2277% | 6,177 |
| Noninterest expense to average assets | 2.8239% | 4,502 |
| Loan and lease loss provision to assets | 0.2635% | 4,688 |
| Net operating income to assets | 0.6749% | 3,322 |
| Return on assets (ROA) | 0.7485% | 3,129 |
| Pretax return on assets | 0.7485% | 3,804 |
| Return on Equity (ROE) | 9.3117% | 2,174 |
| Retained earnings to average equity (ytd only) | 7.5132% | 1,144 |
| Net charge-offs to loans | 0.7903% | 2,667 |
| Credit loss provision to net charge-offs | 60.8424% | 6,067 |
| Earnings coverage of net charge-offs (x) | 2.1669% | 4,093 |
| Efficiency ratio | 75.0584% | 3,200 |
| Assets per employee ($millions) | 6.0800% | 1,164 |
| Cash dividends to net income (ytd only)* | 19.3141% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5411% | 3,817 |
| Loan loss allowance to noncurrent loans | 57.6869% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 2.7461% | 2,543 |
| Noncurrent loans to loans | 2.6715% | 2,846 |
| Net loans and leases to total assets | 51.5724% | 5,979 |
| Net loans and leases to deposits | 57.6448% | 6,289 |
| Net loans and leases to core deposits | 74.8510% | 4,869 |
| Total domestic deposits to total assets | 89.4658% | 1,402 |
| Equity capital to assets | 8.1566% | 6,312 |
| Core capital (leverage) ratio | 8.3376% | 5,629 |
| Tier 1 risk-based capital ratio | 12.7172% | 4,847 |
| Total risk-based capital ratio | 13.9671% | 4,822 |
| Memoranda: | ||
| Average total assets | $148,023,600 | 3,910 |
| Average earning assets | $140,405,600 | 3,805 |
| Average equity | $11,899,000 | 4,638 |
| Average total loans | $81,107,600 | 4,307 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1337% | 4,153 |
| Cost of funding earning assets | 1.5050% | 2,945 |
| Net interest margin | 3.6287% | 4,735 |
| Noninterest income to average assets | 0.3056% | 5,710 |
| Noninterest expense to average assets | 2.5981% | 5,333 |
| Loan and lease loss provision to assets | 0.2720% | 4,410 |
| Net operating income to assets | 0.8814% | 2,691 |
| Return on assets (ROA) | 0.7046% | 3,547 |
| Pretax return on assets | 0.7046% | 4,215 |
| Return on Equity (ROE) | 8.7986% | 2,566 |
| Retained earnings to average equity (ytd only) | 6.3754% | 2,156 |
| Net charge-offs to loans | 0.7511% | 2,546 |
| Credit loss provision to net charge-offs | 65.3595% | 5,551 |
| Earnings coverage of net charge-offs (x) | 2.7713% | 3,759 |
| Efficiency ratio | 69.2531% | 4,212 |
| Assets per employee ($millions) | 5.7280% | 1,439 |
| Cash dividends to net income (ytd only)* | 27.5423% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6618% | 3,289 |
| Loan loss allowance to noncurrent loans | 60.7834% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 2.4818% | 2,890 |
| Noncurrent loans to loans | 2.7339% | 2,905 |
| Net loans and leases to total assets | 54.5070% | 5,772 |
| Net loans and leases to deposits | 61.5573% | 6,165 |
| Net loans and leases to core deposits | 84.9891% | 3,801 |
| Total domestic deposits to total assets | 88.5468% | 1,650 |
| Equity capital to assets | 8.8610% | 5,756 |
| Core capital (leverage) ratio | 8.4594% | 5,580 |
| Tier 1 risk-based capital ratio | 12.6862% | 4,825 |
| Total risk-based capital ratio | 13.9356% | 4,808 |
| Memoranda: | ||
| Average total assets | $147,029,500 | 3,982 |
| Average earning assets | $139,623,250 | 3,881 |
| Average equity | $11,774,250 | 4,748 |
| Average total loans | $81,480,250 | 4,369 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0408% | 4,745 |
| Cost of funding earning assets | 1.5924% | 2,700 |
| Net interest margin | 3.4484% | 5,445 |
| Noninterest income to average assets | 0.3250% | 5,552 |
| Noninterest expense to average assets | 2.5542% | 5,509 |
| Loan and lease loss provision to assets | 0.2832% | 4,132 |
| Net operating income to assets | 0.7673% | 3,114 |
| Return on assets (ROA) | 0.8550% | 2,860 |
| Pretax return on assets | 0.8550% | 3,680 |
| Return on Equity (ROE) | 11.0556% | 1,738 |
| Retained earnings to average equity (ytd only) | 7.3239% | 1,708 |
| Net charge-offs to loans | 0.7082% | 2,443 |
| Credit loss provision to net charge-offs | 72.1649% | 4,913 |
| Earnings coverage of net charge-offs (x) | 2.6770% | 3,657 |
| Efficiency ratio | 70.8567% | 4,011 |
| Assets per employee ($millions) | 5.8026% | 1,370 |
| Cash dividends to net income (ytd only)* | 33.7539% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7154% | 3,020 |
| Loan loss allowance to noncurrent loans | 108.1269% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 1.2167% | 4,701 |
| Noncurrent loans to loans | 1.5865% | 4,329 |
| Net loans and leases to total assets | 55.1763% | 5,820 |
| Net loans and leases to deposits | 61.9309% | 6,242 |
| Net loans and leases to core deposits | 86.2642% | 3,792 |
| Total domestic deposits to total assets | 89.0932% | 1,381 |
| Equity capital to assets | 8.3776% | 6,323 |
| Core capital (leverage) ratio | 8.3629% | 5,644 |
| Tier 1 risk-based capital ratio | 12.1966% | 5,134 |
| Total risk-based capital ratio | 13.4491% | 5,102 |
| Memoranda: | ||
| Average total assets | $148,306,000 | 3,988 |
| Average earning assets | $141,049,000 | 3,883 |
| Average equity | $11,469,330 | 4,810 |
| Average total loans | $82,182,670 | 4,378 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1196% | 4,441 |
| Cost of funding earning assets | 1.7309% | 2,226 |
| Net interest margin | 3.3887% | 5,629 |
| Noninterest income to average assets | 0.3415% | 5,410 |
| Noninterest expense to average assets | 2.4679% | 5,844 |
| Loan and lease loss provision to assets | 0.2401% | 4,122 |
| Net operating income to assets | 0.8511% | 2,747 |
| Return on assets (ROA) | 0.7951% | 3,097 |
| Pretax return on assets | 0.7951% | 3,887 |
| Return on Equity (ROE) | 10.7122% | 1,867 |
| Retained earnings to average equity (ytd only) | 3.0195% | 4,323 |
| Net charge-offs to loans | 0.9158% | 1,752 |
| Credit loss provision to net charge-offs | 47.6190% | 4,523 |
| Earnings coverage of net charge-offs (x) | 2.1640% | 3,453 |
| Efficiency ratio | 69.3403% | 4,436 |
| Assets per employee ($millions) | 5.8922% | 1,344 |
| Cash dividends to net income (ytd only)* | 71.8121% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7101% | 3,027 |
| Loan loss allowance to noncurrent loans | 72.3270% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.4616% | 4,311 |
| Noncurrent loans to loans | 2.3643% | 3,312 |
| Net loans and leases to total assets | 53.8464% | 6,040 |
| Net loans and leases to deposits | 60.0070% | 6,470 |
| Net loans and leases to core deposits | 82.4333% | 4,426 |
| Total domestic deposits to total assets | 89.7336% | 1,127 |
| Equity capital to assets | 7.7852% | 6,855 |
| Core capital (leverage) ratio | 7.8000% | 6,504 |
| Tier 1 risk-based capital ratio | 11.7344% | 5,461 |
| Total risk-based capital ratio | 12.9875% | 5,404 |
| Memoranda: | ||
| Average total assets | $149,926,000 | 4,006 |
| Average earning assets | $142,356,000 | 3,907 |
| Average equity | $11,127,500 | 4,941 |
| Average total loans | $82,554,500 | 4,425 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0661% | 1,617 |
| Cost of funding earning assets | 2.3087% | 1,615 |
| Net interest margin | 3.7574% | 3,882 |
| Noninterest income to average assets | 0.2511% | 6,309 |
| Noninterest expense to average assets | 2.5548% | 5,938 |
| Loan and lease loss provision to assets | 0.6757% | 3,118 |
| Net operating income to assets | 0.5662% | 3,463 |
| Return on assets (ROA) | 0.3770% | 4,324 |
| Pretax return on assets | 0.3770% | 4,561 |
| Return on Equity (ROE) | 6.2122% | 3,121 |
| Retained earnings to average equity (ytd only) | 3.7508% | 2,569 |
| Net charge-offs to loans | 0.7942% | 2,836 |
| Credit loss provision to net charge-offs | 155.9934% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.8670% | 3,653 |
| Efficiency ratio | 67.2911% | 5,129 |
| Assets per employee ($millions) | 6.3561% | 1,047 |
| Cash dividends to net income (ytd only)* | 39.6226% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7510% | 2,706 |
| Loan loss allowance to noncurrent loans | 256.1525% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.8417% | 5,417 |
| Noncurrent loans to loans | 0.6836% | 5,871 |
| Net loans and leases to total assets | 54.3652% | 6,160 |
| Net loans and leases to deposits | 60.0382% | 6,631 |
| Net loans and leases to core deposits | 94.1168% | 4,660 |
| Total domestic deposits to total assets | 90.5510% | 718 |
| Equity capital to assets | 7.0713% | 7,342 |
| Core capital (leverage) ratio | 7.6288% | 6,645 |
| Tier 1 risk-based capital ratio | 10.9028% | 6,006 |
| Total risk-based capital ratio | 12.1544% | 5,985 |
| Memoranda: | ||
| Average total assets | $140,597,200 | 4,112 |
| Average earning assets | $132,670,800 | 4,039 |
| Average equity | $8,531,600 | 5,756 |
| Average total loans | $76,683,200 | 4,633 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9801% | 2,116 |
| Cost of funding earning assets | 2.4405% | 1,489 |
| Net interest margin | 3.5396% | 4,700 |
| Noninterest income to average assets | 0.2538% | 6,415 |
| Noninterest expense to average assets | 2.5995% | 5,712 |
| Loan and lease loss provision to assets | 0.4844% | 3,480 |
| Net operating income to assets | 0.5087% | 3,947 |
| Return on assets (ROA) | 0.5087% | 4,031 |
| Pretax return on assets | 0.5087% | 4,498 |
| Return on Equity (ROE) | 8.7852% | 2,346 |
| Retained earnings to average equity (ytd only) | 5.2711% | 2,330 |
| Net charge-offs to loans | 0.8276% | 2,311 |
| Credit loss provision to net charge-offs | 107.7586% | 4,717 |
| Earnings coverage of net charge-offs (x) | 2.2091% | 4,163 |
| Efficiency ratio | 72.3571% | 4,179 |
| Assets per employee ($millions) | 6.1943% | 1,121 |
| Cash dividends to net income (ytd only)* | 39.9997% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4283% | 3,794 |
| Loan loss allowance to noncurrent loans | 173.1563% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.7958% | 5,525 |
| Noncurrent loans to loans | 0.8248% | 5,648 |
| Net loans and leases to total assets | 54.5014% | 6,324 |
| Net loans and leases to deposits | 60.2974% | 6,811 |
| Net loans and leases to core deposits | 97.9130% | 4,611 |
| Total domestic deposits to total assets | 90.3877% | 624 |
| Equity capital to assets | 7.0488% | 7,571 |
| Core capital (leverage) ratio | 7.8954% | 6,509 |
| Tier 1 risk-based capital ratio | 11.0957% | 5,856 |
| Total risk-based capital ratio | 12.2298% | 5,941 |
| Memoranda: | ||
| Average total assets | $137,610,000 | 4,197 |
| Average earning assets | $129,804,250 | 4,105 |
| Average equity | $7,967,750 | 5,989 |
| Average total loans | $74,751,500 | 4,744 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9134% | 2,526 |
| Cost of funding earning assets | 2.5526% | 1,442 |
| Net interest margin | 3.3608% | 5,317 |
| Noninterest income to average assets | 0.2061% | 6,817 |
| Noninterest expense to average assets | 2.3267% | 6,685 |
| Loan and lease loss provision to assets | 0.4480% | 3,293 |
| Net operating income to assets | 0.6048% | 3,655 |
| Return on assets (ROA) | 0.6048% | 3,766 |
| Pretax return on assets | 0.6048% | 4,309 |
| Return on Equity (ROE) | 11.3594% | 1,597 |
| Retained earnings to average equity (ytd only) | 5.4693% | 2,259 |
| Net charge-offs to loans | 0.5978% | 2,546 |
| Credit loss provision to net charge-offs | 138.8889% | 3,360 |
| Earnings coverage of net charge-offs (x) | 3.2639% | 3,512 |
| Efficiency ratio | 68.8467% | 5,005 |
| Assets per employee ($millions) | 6.1185% | 1,143 |
| Cash dividends to net income (ytd only)* | 51.8519% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6203% | 2,659 |
| Loan loss allowance to noncurrent loans | 670.8791% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.7872% | 5,428 |
| Noncurrent loans to loans | 0.2415% | 6,911 |
| Net loans and leases to total assets | 50.4866% | 6,830 |
| Net loans and leases to deposits | 53.5951% | 7,301 |
| Net loans and leases to core deposits | 90.9990% | 5,451 |
| Total domestic deposits to total assets | 94.1999% | 55 |
| Equity capital to assets | 5.3125% | 8,017 |
| Core capital (leverage) ratio | 7.3138% | 7,227 |
| Tier 1 risk-based capital ratio | 10.9039% | 5,979 |
| Total risk-based capital ratio | 12.1537% | 5,919 |
| Memoranda: | ||
| Average total assets | $133,925,330 | 4,304 |
| Average earning assets | $126,458,330 | 4,215 |
| Average equity | $7,130,670 | 6,328 |
| Average total loans | $72,269,330 | 4,874 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8934% | 2,830 |
| Cost of funding earning assets | 2.6466% | 1,427 |
| Net interest margin | 3.2468% | 5,697 |
| Noninterest income to average assets | 0.1851% | 6,971 |
| Noninterest expense to average assets | 2.3473% | 6,379 |
| Loan and lease loss provision to assets | 0.4707% | 2,595 |
| Net operating income to assets | 0.4393% | 4,699 |
| Return on assets (ROA) | 0.4393% | 4,871 |
| Pretax return on assets | 0.4393% | 5,274 |
| Return on Equity (ROE) | 8.2407% | 3,043 |
| Retained earnings to average equity (ytd only) | -4.1204% | 6,439 |
| Net charge-offs to loans | 0.8540% | 1,531 |
| Credit loss provision to net charge-offs | 99.3377% | 3,814 |
| Earnings coverage of net charge-offs (x) | 1.9205% | 3,757 |
| Efficiency ratio | 72.0617% | 4,183 |
| Assets per employee ($millions) | 6.0126% | 1,189 |
| Cash dividends to net income (ytd only)* | 150.0000% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6288% | 2,407 |
| Loan loss allowance to noncurrent loans | 167.6991% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 1.1226% | 4,436 |
| Noncurrent loans to loans | 0.9713% | 5,054 |
| Net loans and leases to total assets | 51.9119% | 6,693 |
| Net loans and leases to deposits | 55.3145% | 7,202 |
| Net loans and leases to core deposits | 99.6242% | 4,578 |
| Total domestic deposits to total assets | 93.8486% | 45 |
| Equity capital to assets | 5.6404% | 8,050 |
| Core capital (leverage) ratio | 8.3700% | 5,772 |
| Tier 1 risk-based capital ratio | 12.2157% | 4,778 |
| Total risk-based capital ratio | 13.4668% | 4,684 |
| Memoranda: | ||
| Average total assets | $127,466,500 | 4,456 |
| Average earning assets | $120,609,500 | 4,367 |
| Average equity | $6,795,500 | 6,485 |
| Average total loans | $70,725,500 | 4,958 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6327% | 2,327 |
| Cost of funding earning assets | 3.2957% | 942 |
| Net interest margin | 3.3370% | 5,912 |
| Noninterest income to average assets | 0.2206% | 6,864 |
| Noninterest expense to average assets | 2.4423% | 6,247 |
| Loan and lease loss provision to assets | 0.7904% | 1,886 |
| Net operating income to assets | 0.1433% | 5,996 |
| Return on assets (ROA) | 0.1754% | 5,756 |
| Pretax return on assets | 0.1754% | 5,781 |
| Return on Equity (ROE) | 2.6751% | 5,350 |
| Retained earnings to average equity (ytd only) | -1.9732% | 5,859 |
| Net charge-offs to loans | 0.7179% | 1,721 |
| Credit loss provision to net charge-offs | 184.2105% | 2,694 |
| Earnings coverage of net charge-offs (x) | 2.1761% | 4,986 |
| Efficiency ratio | 72.3437% | 3,871 |
| Assets per employee ($millions) | 6.1328% | 1,067 |
| Cash dividends to net income (ytd only)* | 173.7624% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5884% | 2,298 |
| Loan loss allowance to noncurrent loans | 166.1314% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.8895% | 4,633 |
| Noncurrent loans to loans | 0.9561% | 4,692 |
| Net loans and leases to total assets | 57.4848% | 6,273 |
| Net loans and leases to deposits | 60.8678% | 7,023 |
| Net loans and leases to core deposits | 113.2349% | 3,422 |
| Total domestic deposits to total assets | 94.4421% | 18 |
| Equity capital to assets | 4.9978% | 8,189 |
| Core capital (leverage) ratio | 7.6283% | 7,036 |
| Tier 1 risk-based capital ratio | 11.4648% | 5,271 |
| Total risk-based capital ratio | 12.7160% | 5,166 |
| Memoranda: | ||
| Average total assets | $115,138,200 | 4,635 |
| Average earning assets | $108,869,400 | 4,537 |
| Average equity | $7,551,000 | 6,257 |
| Average total loans | $68,807,400 | 4,917 |