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Nuestro Banco, Performance and Condition Ratios
| 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 | 6.0033% | 1,851 |
| Cost of funding earning assets | 1.0441% | 7,113 |
| Net interest margin | 4.9593% | 488 |
| Noninterest income to average assets | 0.6835% | 3,066 |
| Noninterest expense to average assets | 11.7997% | 80 |
| Loan and lease loss provision to assets | 4.4249% | 270 |
| Net operating income to assets | -11.2121% | 7,983 |
| Return on assets (ROA) | -10.7564% | 7,979 |
| Pretax return on assets | -10.7564% | 7,975 |
| Return on Equity (ROE) | -21.5480% | 7,191 |
| Retained earnings to average equity (ytd only) | -21.5480% | 7,160 |
| Net charge-offs to loans | 5.7570% | 187 |
| Credit loss provision to net charge-offs | 138.9831% | 3,524 |
| Earnings coverage of net charge-offs (x) | -2.1318% | 7,007 |
| Efficiency ratio | 235.4067% | 95 |
| Assets per employee ($millions) | 2.2087% | 7,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.9925% | 24 |
| Loan loss allowance to noncurrent loans | 8,040.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 7,336 |
| Noncurrent loans to loans | 0.1243% | 7,113 |
| Net loans and leases to total assets | 46.8404% | 6,907 |
| Net loans and leases to deposits | 87.5484% | 2,637 |
| Net loans and leases to core deposits | 211.7544% | 76 |
| Total domestic deposits to total assets | 53.5024% | 7,884 |
| Equity capital to assets | 46.1613% | 55 |
| Core capital (leverage) ratio | 42.8417% | 60 |
| Tier 1 risk-based capital ratio | 89.6158% | 63 |
| Total risk-based capital ratio | 90.9593% | 62 |
| Memoranda: | ||
| Average total assets | $16,678,400 | 7,862 |
| Average earning assets | $14,558,600 | 7,858 |
| Average equity | $8,325,600 | 5,827 |
| Average total loans | $9,223,600 | 7,731 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1412% | 1,518 |
| Cost of funding earning assets | 1.1359% | 7,080 |
| Net interest margin | 5.0053% | 434 |
| Noninterest income to average assets | 0.7223% | 2,869 |
| Noninterest expense to average assets | 12.1768% | 82 |
| Loan and lease loss provision to assets | 1.4917% | 1,287 |
| Net operating income to assets | -8.5182% | 8,021 |
| Return on assets (ROA) | -8.5182% | 8,021 |
| Pretax return on assets | -8.5182% | 8,009 |
| Return on Equity (ROE) | -16.7769% | 7,265 |
| Retained earnings to average equity (ytd only) | -16.7769% | 7,225 |
| Net charge-offs to loans | 2.6335% | 689 |
| Credit loss provision to net charge-offs | 101.0638% | 5,029 |
| Earnings coverage of net charge-offs (x) | -4.7606% | 6,850 |
| Efficiency ratio | 236.4329% | 100 |
| Assets per employee ($millions) | 1.1877% | 8,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3548% | 68 |
| 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 | 53.0852% | 6,486 |
| Net loans and leases to deposits | 105.1209% | 702 |
| Net loans and leases to core deposits | 199.6156% | 102 |
| Total domestic deposits to total assets | 50.4992% | 7,976 |
| Equity capital to assets | 49.2302% | 54 |
| Core capital (leverage) ratio | 46.1490% | 60 |
| Tier 1 risk-based capital ratio | 84.3806% | 71 |
| Total risk-based capital ratio | 85.6874% | 71 |
| Memoranda: | ||
| Average total assets | $16,982,750 | 7,936 |
| Average earning assets | $15,023,750 | 7,923 |
| Average equity | $8,622,750 | 5,782 |
| Average total loans | $9,518,000 | 7,801 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8191% | 2,960 |
| Cost of funding earning assets | 1.2844% | 6,859 |
| Net interest margin | 4.5347% | 1,090 |
| Noninterest income to average assets | 0.6900% | 3,055 |
| Noninterest expense to average assets | 12.5958% | 87 |
| Loan and lease loss provision to assets | 2.2104% | 726 |
| Net operating income to assets | -10.0696% | 8,125 |
| Return on assets (ROA) | -10.0696% | 8,122 |
| Pretax return on assets | -10.0696% | 8,106 |
| Return on Equity (ROE) | -19.6389% | 7,492 |
| Retained earnings to average equity (ytd only) | -19.6389% | 7,443 |
| Net charge-offs to loans | 3.9168% | 363 |
| Credit loss provision to net charge-offs | 101.0695% | 4,520 |
| Earnings coverage of net charge-offs (x) | -3.5936% | 6,426 |
| Efficiency ratio | 265.9259% | 101 |
| Assets per employee ($millions) | 1.2458% | 8,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9703% | 81 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 54.0909% | 6,440 |
| Net loans and leases to deposits | 104.5319% | 873 |
| Net loans and leases to core deposits | 249.4447% | 60 |
| Total domestic deposits to total assets | 51.7459% | 8,047 |
| Equity capital to assets | 48.0248% | 64 |
| Core capital (leverage) ratio | 47.7685% | 66 |
| Tier 1 risk-based capital ratio | 81.6357% | 80 |
| Total risk-based capital ratio | 82.9446% | 80 |
| Memoranda: | ||
| Average total assets | $17,101,000 | 8,011 |
| Average earning assets | $15,260,000 | 8,002 |
| Average equity | $8,768,330 | 5,757 |
| Average total loans | $9,548,670 | 7,880 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0661% | 2,087 |
| Cost of funding earning assets | 1.4019% | 6,727 |
| Net interest margin | 4.6642% | 836 |
| Noninterest income to average assets | 0.5198% | 4,134 |
| Noninterest expense to average assets | 12.8522% | 82 |
| Loan and lease loss provision to assets | 4.3471% | 207 |
| Net operating income to assets | -12.5923% | 8,190 |
| Return on assets (ROA) | -12.5923% | 8,182 |
| Pretax return on assets | -12.5923% | 8,181 |
| Return on Equity (ROE) | -23.7827% | 7,822 |
| Retained earnings to average equity (ytd only) | -23.7827% | 7,738 |
| Net charge-offs to loans | 5.7594% | 170 |
| Credit loss provision to net charge-offs | 137.3134% | 2,953 |
| Earnings coverage of net charge-offs (x) | -2.6045% | 5,499 |
| Efficiency ratio | 278.9744% | 101 |
| Assets per employee ($millions) | 1.1346% | 8,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4982% | 53 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 54.7858% | 6,386 |
| Net loans and leases to deposits | 112.8540% | 482 |
| Net loans and leases to core deposits | 285.0504% | 39 |
| Total domestic deposits to total assets | 48.5457% | 8,109 |
| Equity capital to assets | 51.2486% | 65 |
| Core capital (leverage) ratio | 51.1387% | 73 |
| Tier 1 risk-based capital ratio | 84.9640% | 78 |
| Total risk-based capital ratio | 86.2647% | 77 |
| Memoranda: | ||
| Average total assets | $16,931,000 | 8,064 |
| Average earning assets | $14,836,500 | 8,057 |
| Average equity | $8,964,500 | 5,710 |
| Average total loans | $9,306,500 | 7,938 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6076% | 7,038 |
| Cost of funding earning assets | 1.3150% | 7,835 |
| Net interest margin | 4.2925% | 2,004 |
| Noninterest income to average assets | 0.3978% | 5,489 |
| Noninterest expense to average assets | 17.3810% | 61 |
| Loan and lease loss provision to assets | 6.7559% | 45 |
| Net operating income to assets | -19.9424% | 8,300 |
| Return on assets (ROA) | -19.9424% | 8,300 |
| Pretax return on assets | -19.9424% | 8,299 |
| Return on Equity (ROE) | -30.5676% | 7,972 |
| Retained earnings to average equity (ytd only) | -30.5676% | 7,924 |
| Net charge-offs to loans | 8.4078% | 21 |
| Credit loss provision to net charge-offs | 206.0662% | 2,353 |
| Earnings coverage of net charge-offs (x) | -4.0221% | 6,806 |
| Efficiency ratio | 414.3678% | 64 |
| Assets per employee ($millions) | 0.9908% | 8,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9089% | 33 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 47.7587% | 7,207 |
| Net loans and leases to deposits | 105.8421% | 1,136 |
| Net loans and leases to core deposits | 171.3312% | 382 |
| Total domestic deposits to total assets | 45.1226% | 8,163 |
| Equity capital to assets | 54.6637% | 69 |
| Core capital (leverage) ratio | 51.9961% | 74 |
| Tier 1 risk-based capital ratio | 98.2168% | 82 |
| Total risk-based capital ratio | 99.2695% | 81 |
| Memoranda: | ||
| Average total assets | $16,592,800 | 8,117 |
| Average earning assets | $14,676,600 | 8,114 |
| Average equity | $10,825,200 | 5,177 |
| Average total loans | $6,470,200 | 8,106 |