Home > Oceanic Bank > Performance and Condition Ratios
Oceanic Bank, Performance and Condition Ratios
| 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 | 4.1096% | 5,289 |
| Cost of funding earning assets | 0.6609% | 4,354 |
| Net interest margin | 3.4487% | 4,888 |
| Noninterest income to average assets | 0.1806% | 6,272 |
| Noninterest expense to average assets | 2.1334% | 6,170 |
| Loan and lease loss provision to assets | 0.0667% | 4,798 |
| Net operating income to assets | 0.8146% | 3,333 |
| Return on assets (ROA) | 0.8146% | 3,587 |
| Pretax return on assets | 1.3140% | 2,507 |
| Return on Equity (ROE) | 4.1452% | 5,201 |
| Retained earnings to average equity (ytd only) | 4.1452% | 3,852 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7106% | 5,466 |
| Assets per employee ($millions) | 5.6458% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6734% | 3,343 |
| Loan loss allowance to noncurrent loans | 35.9629% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 3.3438% | 1,610 |
| Noncurrent loans to loans | 4.6530% | 1,115 |
| Net loans and leases to total assets | 70.6608% | 1,794 |
| Net loans and leases to deposits | 97.3463% | 558 |
| Net loans and leases to core deposits | 184.6161% | 61 |
| Total domestic deposits to total assets | 60.2289% | 7,128 |
| Equity capital to assets | 20.7222% | 210 |
| Core capital (leverage) ratio | 19.1252% | 237 |
| Tier 1 risk-based capital ratio | 25.8275% | 822 |
| Total risk-based capital ratio | 27.0811% | 803 |
| Memoranda: | ||
| Average total assets | $164,996,670 | 3,586 |
| Average earning assets | $159,481,000 | 3,437 |
| Average equity | $32,423,330 | 2,126 |
| Average total loans | $117,007,670 | 3,199 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1259% | 5,361 |
| Cost of funding earning assets | 0.6893% | 4,374 |
| Net interest margin | 3.4366% | 4,974 |
| Noninterest income to average assets | 0.1876% | 6,255 |
| Noninterest expense to average assets | 2.1656% | 6,124 |
| Loan and lease loss provision to assets | 0.0712% | 4,510 |
| Net operating income to assets | 0.8073% | 3,339 |
| Return on assets (ROA) | 0.8073% | 3,580 |
| Pretax return on assets | 1.2894% | 2,577 |
| Return on Equity (ROE) | 4.2163% | 5,190 |
| Retained earnings to average equity (ytd only) | 4.2163% | 4,062 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4141% | 5,380 |
| Assets per employee ($millions) | 5.7752% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5881% | 3,770 |
| Loan loss allowance to noncurrent loans | 49.6954% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 2.2540% | 2,645 |
| Noncurrent loans to loans | 3.1956% | 2,012 |
| Net loans and leases to total assets | 69.4138% | 1,856 |
| Net loans and leases to deposits | 97.0393% | 478 |
| Net loans and leases to core deposits | 194.3901% | 55 |
| Total domestic deposits to total assets | 60.0253% | 7,197 |
| Equity capital to assets | 19.3610% | 255 |
| Core capital (leverage) ratio | 19.4491% | 223 |
| Tier 1 risk-based capital ratio | 24.1103% | 993 |
| Total risk-based capital ratio | 25.3625% | 980 |
| Memoranda: | ||
| Average total assets | $168,454,000 | 3,544 |
| Average earning assets | $163,650,000 | 3,378 |
| Average equity | $32,256,000 | 2,134 |
| Average total loans | $118,710,000 | 3,181 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1477% | 6,186 |
| Cost of funding earning assets | 0.8355% | 4,581 |
| Net interest margin | 3.3122% | 5,772 |
| Noninterest income to average assets | 0.1650% | 6,311 |
| Noninterest expense to average assets | 2.1020% | 6,490 |
| Loan and lease loss provision to assets | 0.0775% | 5,643 |
| Net operating income to assets | 0.7285% | 3,339 |
| Return on assets (ROA) | 0.7285% | 3,516 |
| Pretax return on assets | 1.1675% | 2,586 |
| Return on Equity (ROE) | 4.0950% | 4,807 |
| Retained earnings to average equity (ytd only) | 3.1927% | 3,946 |
| Net charge-offs to loans | 0.2079% | 4,499 |
| Credit loss provision to net charge-offs | 54.7619% | 5,305 |
| Earnings coverage of net charge-offs (x) | 8.8016% | 2,086 |
| Efficiency ratio | 62.8040% | 5,330 |
| Assets per employee ($millions) | 5.6476% | 1,483 |
| Cash dividends to net income (ytd only)* | 22.0339% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5475% | 3,804 |
| Loan loss allowance to noncurrent loans | 36.8463% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 2.9570% | 2,031 |
| Noncurrent loans to loans | 4.1999% | 1,465 |
| Net loans and leases to total assets | 69.3178% | 2,155 |
| Net loans and leases to deposits | 97.8667% | 567 |
| Net loans and leases to core deposits | 236.1755% | 51 |
| Total domestic deposits to total assets | 56.4939% | 7,263 |
| Equity capital to assets | 18.9379% | 283 |
| Core capital (leverage) ratio | 18.3196% | 282 |
| Tier 1 risk-based capital ratio | 23.4466% | 1,039 |
| Total risk-based capital ratio | 24.6984% | 1,019 |
| Memoranda: | ||
| Average total assets | $178,166,000 | 3,362 |
| Average earning assets | $171,155,200 | 3,219 |
| Average equity | $31,697,400 | 2,096 |
| Average total loans | $121,209,400 | 3,153 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1544% | 6,304 |
| Cost of funding earning assets | 0.8526% | 4,753 |
| Net interest margin | 3.3017% | 5,852 |
| Noninterest income to average assets | 0.1641% | 6,424 |
| Noninterest expense to average assets | 1.9938% | 6,705 |
| Loan and lease loss provision to assets | 0.0798% | 5,444 |
| Net operating income to assets | 0.7799% | 3,252 |
| Return on assets (ROA) | 0.7799% | 3,420 |
| Pretax return on assets | 1.2538% | 2,449 |
| Return on Equity (ROE) | 4.4513% | 4,797 |
| Retained earnings to average equity (ytd only) | 4.4513% | 3,554 |
| Net charge-offs to loans | 0.1665% | 4,457 |
| Credit loss provision to net charge-offs | 71.0526% | 4,450 |
| Earnings coverage of net charge-offs (x) | 11.8685% | 1,770 |
| Efficiency ratio | 59.9200% | 5,735 |
| Assets per employee ($millions) | 5.9311% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 3,800 |
| Loan loss allowance to noncurrent loans | 49.9087% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 2.1542% | 2,968 |
| Noncurrent loans to loans | 3.1473% | 2,208 |
| Net loans and leases to total assets | 67.3696% | 2,598 |
| Net loans and leases to deposits | 97.0184% | 638 |
| Net loans and leases to core deposits | 247.3781% | 51 |
| Total domestic deposits to total assets | 56.1417% | 7,333 |
| Equity capital to assets | 18.0569% | 381 |
| Core capital (leverage) ratio | 18.6277% | 280 |
| Tier 1 risk-based capital ratio | 22.9670% | 1,153 |
| Total risk-based capital ratio | 24.2194% | 1,131 |
| Memoranda: | ||
| Average total assets | $180,350,750 | 3,341 |
| Average earning assets | $172,793,500 | 3,203 |
| Average equity | $31,600,250 | 2,099 |
| Average total loans | $121,689,500 | 3,169 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1584% | 6,372 |
| Cost of funding earning assets | 0.8898% | 4,759 |
| Net interest margin | 3.2686% | 5,942 |
| Noninterest income to average assets | 0.1546% | 6,546 |
| Noninterest expense to average assets | 1.9961% | 6,804 |
| Loan and lease loss provision to assets | 0.0585% | 5,583 |
| Net operating income to assets | 0.7695% | 3,203 |
| Return on assets (ROA) | 0.7695% | 3,337 |
| Pretax return on assets | 1.2310% | 2,367 |
| Return on Equity (ROE) | 4.4361% | 4,726 |
| Retained earnings to average equity (ytd only) | 4.4361% | 3,369 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7527% | 5,768 |
| Assets per employee ($millions) | 5.5715% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 3,414 |
| Loan loss allowance to noncurrent loans | 51.6585% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 2.2517% | 2,913 |
| Noncurrent loans to loans | 3.2362% | 2,207 |
| Net loans and leases to total assets | 68.4136% | 2,535 |
| Net loans and leases to deposits | 100.7563% | 458 |
| Net loans and leases to core deposits | 267.4922% | 51 |
| Total domestic deposits to total assets | 53.2582% | 7,413 |
| Equity capital to assets | 18.3948% | 352 |
| Core capital (leverage) ratio | 17.9925% | 330 |
| Tier 1 risk-based capital ratio | 23.4142% | 1,072 |
| Total risk-based capital ratio | 24.6678% | 1,055 |
| Memoranda: | ||
| Average total assets | $181,157,000 | 3,350 |
| Average earning assets | $173,529,670 | 3,211 |
| Average equity | $31,424,000 | 2,098 |
| Average total loans | $121,657,670 | 3,198 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1212% | 6,460 |
| Cost of funding earning assets | 0.9081% | 4,861 |
| Net interest margin | 3.2131% | 6,031 |
| Noninterest income to average assets | 0.1554% | 6,606 |
| Noninterest expense to average assets | 1.9204% | 6,956 |
| Loan and lease loss provision to assets | 0.1144% | 4,580 |
| Net operating income to assets | 0.7617% | 3,210 |
| Return on assets (ROA) | 0.7617% | 3,278 |
| Pretax return on assets | 1.2127% | 2,327 |
| Return on Equity (ROE) | 4.5183% | 4,642 |
| Retained earnings to average equity (ytd only) | 4.5183% | 3,461 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1362% | 6,111 |
| Assets per employee ($millions) | 5.8261% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6707% | 3,445 |
| Loan loss allowance to noncurrent loans | 72.3703% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.5370% | 3,943 |
| Noncurrent loans to loans | 2.3085% | 3,183 |
| Net loans and leases to total assets | 65.4674% | 3,136 |
| Net loans and leases to deposits | 100.5391% | 441 |
| Net loans and leases to core deposits | 272.6874% | 52 |
| Total domestic deposits to total assets | 51.0678% | 7,481 |
| Equity capital to assets | 17.4006% | 408 |
| Core capital (leverage) ratio | 17.0266% | 395 |
| Tier 1 risk-based capital ratio | 22.0697% | 1,217 |
| Total risk-based capital ratio | 23.3225% | 1,194 |
| Memoranda: | ||
| Average total assets | $185,377,000 | 3,312 |
| Average earning assets | $178,392,500 | 3,182 |
| Average equity | $31,250,500 | 2,096 |
| Average total loans | $122,401,000 | 3,207 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4116% | 6,594 |
| Cost of funding earning assets | 1.1486% | 4,857 |
| Net interest margin | 3.2631% | 6,095 |
| Noninterest income to average assets | 0.1538% | 6,621 |
| Noninterest expense to average assets | 1.9471% | 7,098 |
| Loan and lease loss provision to assets | 0.1185% | 5,973 |
| Net operating income to assets | 0.7279% | 3,111 |
| Return on assets (ROA) | 0.4034% | 4,661 |
| Pretax return on assets | 0.8580% | 3,447 |
| Return on Equity (ROE) | 2.4931% | 5,188 |
| Retained earnings to average equity (ytd only) | 2.4931% | 4,130 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9481% | 6,059 |
| Assets per employee ($millions) | 6.1337% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5720% | 3,690 |
| Loan loss allowance to noncurrent loans | 84.6886% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 1.2159% | 4,596 |
| Noncurrent loans to loans | 1.8562% | 3,744 |
| Net loans and leases to total assets | 64.4745% | 3,763 |
| Net loans and leases to deposits | 96.7471% | 798 |
| Net loans and leases to core deposits | 246.4717% | 61 |
| Total domestic deposits to total assets | 52.5010% | 7,557 |
| Equity capital to assets | 16.3423% | 534 |
| Core capital (leverage) ratio | 16.5672% | 442 |
| Tier 1 risk-based capital ratio | 21.4386% | 1,256 |
| Total risk-based capital ratio | 22.6901% | 1,232 |
| Memoranda: | ||
| Average total assets | $189,869,600 | 3,231 |
| Average earning assets | $180,046,200 | 3,122 |
| Average equity | $30,724,600 | 2,133 |
| Average total loans | $128,695,600 | 3,149 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4593% | 6,695 |
| Cost of funding earning assets | 1.2120% | 4,789 |
| Net interest margin | 3.2474% | 6,182 |
| Noninterest income to average assets | 0.1517% | 6,775 |
| Noninterest expense to average assets | 1.8039% | 7,320 |
| Loan and lease loss provision to assets | 0.1370% | 5,658 |
| Net operating income to assets | 0.7819% | 3,080 |
| Return on assets (ROA) | 0.4426% | 4,761 |
| Pretax return on assets | 0.9357% | 3,428 |
| Return on Equity (ROE) | 2.7417% | 5,326 |
| Retained earnings to average equity (ytd only) | 2.7417% | 4,511 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0944% | 6,542 |
| Assets per employee ($millions) | 6.3281% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 3,975 |
| Loan loss allowance to noncurrent loans | 82.5566% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 2.1286% | 3,293 |
| Noncurrent loans to loans | 1.8142% | 3,927 |
| Net loans and leases to total assets | 66.8944% | 3,487 |
| Net loans and leases to deposits | 103.3833% | 462 |
| Net loans and leases to core deposits | 274.2340% | 53 |
| Total domestic deposits to total assets | 50.6242% | 7,663 |
| Equity capital to assets | 16.2965% | 618 |
| Core capital (leverage) ratio | 16.6045% | 481 |
| Tier 1 risk-based capital ratio | 21.0257% | 1,353 |
| Total risk-based capital ratio | 22.2768% | 1,328 |
| Memoranda: | ||
| Average total assets | $189,800,750 | 3,276 |
| Average earning assets | $179,095,000 | 3,170 |
| Average equity | $30,637,250 | 2,153 |
| Average total loans | $129,731,250 | 3,171 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5165% | 6,668 |
| Cost of funding earning assets | 1.2811% | 4,644 |
| Net interest margin | 3.2354% | 6,207 |
| Noninterest income to average assets | 0.1507% | 6,808 |
| Noninterest expense to average assets | 1.8031% | 7,384 |
| Loan and lease loss provision to assets | 0.1791% | 5,078 |
| Net operating income to assets | 0.8062% | 2,942 |
| Return on assets (ROA) | 0.2972% | 5,340 |
| Pretax return on assets | 0.6987% | 4,244 |
| Return on Equity (ROE) | 1.8469% | 5,678 |
| Retained earnings to average equity (ytd only) | 1.8469% | 4,946 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5246% | 6,571 |
| Assets per employee ($millions) | 6.2169% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 4,127 |
| Loan loss allowance to noncurrent loans | 100.7439% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 1.9217% | 3,596 |
| Noncurrent loans to loans | 1.4488% | 4,537 |
| Net loans and leases to total assets | 68.6332% | 3,211 |
| Net loans and leases to deposits | 107.7130% | 330 |
| Net loans and leases to core deposits | 383.1223% | 40 |
| Total domestic deposits to total assets | 49.8643% | 7,734 |
| Equity capital to assets | 16.4016% | 610 |
| Core capital (leverage) ratio | 16.3705% | 521 |
| Tier 1 risk-based capital ratio | 20.7540% | 1,383 |
| Total risk-based capital ratio | 22.0085% | 1,356 |
| Memoranda: | ||
| Average total assets | $189,786,330 | 3,307 |
| Average earning assets | $178,279,330 | 3,215 |
| Average equity | $30,537,000 | 2,158 |
| Average total loans | $129,999,670 | 3,203 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 6,813 |
| Cost of funding earning assets | 1.3273% | 4,637 |
| Net interest margin | 3.1602% | 6,418 |
| Noninterest income to average assets | 0.1463% | 6,928 |
| Noninterest expense to average assets | 1.7135% | 7,563 |
| Loan and lease loss provision to assets | 0.2090% | 4,414 |
| Net operating income to assets | 0.8463% | 2,767 |
| Return on assets (ROA) | 0.8463% | 2,860 |
| Pretax return on assets | 1.1890% | 2,397 |
| Return on Equity (ROE) | 5.3096% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.3096% | 2,980 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0705% | 6,879 |
| Assets per employee ($millions) | 6.1888% | 1,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3984% | 4,428 |
| Loan loss allowance to noncurrent loans | 95.6408% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 2.3065% | 3,143 |
| Noncurrent loans to loans | 1.4621% | 4,550 |
| Net loans and leases to total assets | 66.9271% | 3,649 |
| Net loans and leases to deposits | 103.0539% | 586 |
| Net loans and leases to core deposits | 283.3521% | 58 |
| Total domestic deposits to total assets | 49.5523% | 7,839 |
| Equity capital to assets | 16.0087% | 666 |
| Core capital (leverage) ratio | 16.0598% | 571 |
| Tier 1 risk-based capital ratio | 20.8695% | 1,362 |
| Total risk-based capital ratio | 22.1069% | 1,335 |
| Memoranda: | ||
| Average total assets | $191,426,500 | 3,346 |
| Average earning assets | $179,609,500 | 3,256 |
| Average equity | $30,510,500 | 2,189 |
| Average total loans | $130,049,000 | 3,258 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7014% | 7,137 |
| Cost of funding earning assets | 1.9179% | 3,363 |
| Net interest margin | 2.7835% | 7,087 |
| Noninterest income to average assets | 0.1527% | 6,969 |
| Noninterest expense to average assets | 1.8928% | 7,516 |
| Loan and lease loss provision to assets | 0.5249% | 3,749 |
| Net operating income to assets | 0.2884% | 4,577 |
| Return on assets (ROA) | 0.2884% | 4,663 |
| Pretax return on assets | 0.4067% | 4,482 |
| Return on Equity (ROE) | 1.8112% | 4,977 |
| Retained earnings to average equity (ytd only) | 1.8112% | 3,826 |
| Net charge-offs to loans | 0.4219% | 4,109 |
| Credit loss provision to net charge-offs | 186.7925% | 2,167 |
| Earnings coverage of net charge-offs (x) | 3.3151% | 3,401 |
| Efficiency ratio | 67.0171% | 5,178 |
| Assets per employee ($millions) | 6.3667% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 4,663 |
| Loan loss allowance to noncurrent loans | 87.7886% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 2.3403% | 2,958 |
| Noncurrent loans to loans | 1.5007% | 4,412 |
| Net loans and leases to total assets | 67.1017% | 3,901 |
| Net loans and leases to deposits | 104.1814% | 637 |
| Net loans and leases to core deposits | 376.4797% | 25 |
| Total domestic deposits to total assets | 48.0725% | 7,918 |
| Equity capital to assets | 15.8680% | 718 |
| Core capital (leverage) ratio | 15.9807% | 619 |
| Tier 1 risk-based capital ratio | 20.6380% | 1,353 |
| Total risk-based capital ratio | 21.8025% | 1,335 |
| Memoranda: | ||
| Average total assets | $188,608,000 | 3,303 |
| Average earning assets | $181,029,400 | 3,206 |
| Average equity | $30,035,600 | 2,224 |
| Average total loans | $125,635,600 | 3,360 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6425% | 7,360 |
| Cost of funding earning assets | 2.0304% | 3,215 |
| Net interest margin | 2.6121% | 7,340 |
| Noninterest income to average assets | 0.1518% | 7,099 |
| Noninterest expense to average assets | 1.8091% | 7,656 |
| Loan and lease loss provision to assets | 0.4468% | 3,673 |
| Net operating income to assets | 0.2801% | 4,863 |
| Return on assets (ROA) | 0.2801% | 4,974 |
| Pretax return on assets | 0.4184% | 4,749 |
| Return on Equity (ROE) | 1.7574% | 5,247 |
| Retained earnings to average equity (ytd only) | 1.7574% | 4,329 |
| Net charge-offs to loans | 0.5672% | 2,985 |
| Credit loss provision to net charge-offs | 118.8679% | 4,263 |
| Earnings coverage of net charge-offs (x) | 2.3019% | 4,101 |
| Efficiency ratio | 67.6478% | 5,050 |
| Assets per employee ($millions) | 6.3553% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 6,000 |
| Loan loss allowance to noncurrent loans | 29.3849% | 6,507 |
| Noncurrent assets plus other real estate owned to assets | 2.4132% | 2,852 |
| Noncurrent loans to loans | 3.5778% | 2,089 |
| Net loans and leases to total assets | 66.7404% | 4,251 |
| Net loans and leases to deposits | 105.5896% | 669 |
| Net loans and leases to core deposits | 390.6247% | 27 |
| Total domestic deposits to total assets | 47.4551% | 7,994 |
| Equity capital to assets | 15.8184% | 818 |
| Core capital (leverage) ratio | 15.6745% | 731 |
| Tier 1 risk-based capital ratio | 22.0229% | 1,223 |
| Total risk-based capital ratio | 23.0101% | 1,232 |
| Memoranda: | ||
| Average total assets | $188,009,750 | 3,333 |
| Average earning assets | $181,564,250 | 3,220 |
| Average equity | $29,967,500 | 2,257 |
| Average total loans | $124,575,500 | 3,415 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6624% | 7,444 |
| Cost of funding earning assets | 2.1400% | 3,086 |
| Net interest margin | 2.5224% | 7,460 |
| Noninterest income to average assets | 0.1486% | 7,204 |
| Noninterest expense to average assets | 1.6833% | 7,849 |
| Loan and lease loss provision to assets | 0.6092% | 2,614 |
| Net operating income to assets | 0.1967% | 5,276 |
| Return on assets (ROA) | 0.1967% | 5,356 |
| Pretax return on assets | 0.2886% | 5,232 |
| Return on Equity (ROE) | 1.2306% | 5,561 |
| Retained earnings to average equity (ytd only) | 1.2306% | 4,661 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2174% | 5,668 |
| Assets per employee ($millions) | 6.3636% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 3,601 |
| Loan loss allowance to noncurrent loans | 35.2612% | 6,089 |
| Noncurrent assets plus other real estate owned to assets | 2.7170% | 2,365 |
| Noncurrent loans to loans | 4.0401% | 1,669 |
| Net loans and leases to total assets | 66.2923% | 4,513 |
| Net loans and leases to deposits | 106.4085% | 744 |
| Net loans and leases to core deposits | 420.9199% | 27 |
| Total domestic deposits to total assets | 45.5479% | 8,080 |
| Equity capital to assets | 15.6871% | 887 |
| Core capital (leverage) ratio | 15.6880% | 791 |
| Tier 1 risk-based capital ratio | 20.5895% | 1,465 |
| Total risk-based capital ratio | 21.8469% | 1,425 |
| Memoranda: | ||
| Average total assets | $187,127,000 | 3,374 |
| Average earning assets | $180,464,670 | 3,254 |
| Average equity | $29,903,670 | 2,268 |
| Average total loans | $123,234,670 | 3,467 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6605% | 7,561 |
| Cost of funding earning assets | 2.2185% | 3,067 |
| Net interest margin | 2.4421% | 7,569 |
| Noninterest income to average assets | 0.1555% | 7,197 |
| Noninterest expense to average assets | 1.6671% | 7,854 |
| Loan and lease loss provision to assets | 0.0324% | 6,528 |
| Net operating income to assets | 0.5075% | 4,387 |
| Return on assets (ROA) | 0.5075% | 4,572 |
| Pretax return on assets | 0.8141% | 4,024 |
| Return on Equity (ROE) | 3.1458% | 5,308 |
| Retained earnings to average equity (ytd only) | 3.1458% | 4,124 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3230% | 5,264 |
| Assets per employee ($millions) | 6.2675% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 5,784 |
| Loan loss allowance to noncurrent loans | 24.4949% | 6,940 |
| Noncurrent assets plus other real estate owned to assets | 2.7640% | 2,049 |
| Noncurrent loans to loans | 4.3065% | 1,363 |
| Net loans and leases to total assets | 63.5043% | 5,071 |
| Net loans and leases to deposits | 101.5530% | 1,222 |
| Net loans and leases to core deposits | 485.9945% | 24 |
| Total domestic deposits to total assets | 41.0568% | 8,138 |
| Equity capital to assets | 15.9548% | 878 |
| Core capital (leverage) ratio | 16.1404% | 761 |
| Tier 1 risk-based capital ratio | 21.7726% | 1,324 |
| Total risk-based capital ratio | 22.6966% | 1,343 |
| Memoranda: | ||
| Average total assets | $185,236,000 | 3,424 |
| Average earning assets | $178,863,500 | 3,296 |
| Average equity | $29,881,500 | 2,288 |
| Average total loans | $120,658,500 | 3,539 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7378% | 6,653 |
| Cost of funding earning assets | 2.9467% | 2,071 |
| Net interest margin | 2.7911% | 7,347 |
| Noninterest income to average assets | 0.1636% | 7,253 |
| Noninterest expense to average assets | 1.8088% | 7,745 |
| Loan and lease loss provision to assets | 0.0793% | 6,405 |
| Net operating income to assets | 0.7632% | 3,604 |
| Return on assets (ROA) | 0.7632% | 3,448 |
| Pretax return on assets | 0.9766% | 3,463 |
| Return on Equity (ROE) | 4.6262% | 4,547 |
| Retained earnings to average equity (ytd only) | 4.6262% | 2,247 |
| Net charge-offs to loans | 0.3316% | 3,182 |
| Credit loss provision to net charge-offs | 36.7454% | 6,475 |
| Earnings coverage of net charge-offs (x) | 4.8950% | 3,822 |
| Efficiency ratio | 63.1423% | 5,751 |
| Assets per employee ($millions) | 6.0816% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 5,805 |
| Loan loss allowance to noncurrent loans | 23.6260% | 7,068 |
| Noncurrent assets plus other real estate owned to assets | 2.8721% | 1,625 |
| Noncurrent loans to loans | 4.3435% | 1,103 |
| Net loans and leases to total assets | 65.4448% | 4,960 |
| Net loans and leases to deposits | 107.0275% | 1,043 |
| Net loans and leases to core deposits | 480.6844% | 25 |
| Total domestic deposits to total assets | 39.7650% | 8,190 |
| Equity capital to assets | 16.3138% | 881 |
| Core capital (leverage) ratio | 16.9298% | 707 |
| Tier 1 risk-based capital ratio | 21.8554% | 1,330 |
| Total risk-based capital ratio | 22.7645% | 1,354 |
| Memoranda: | ||
| Average total assets | $176,633,400 | 3,450 |
| Average earning assets | $170,935,400 | 3,323 |
| Average equity | $29,138,600 | 2,323 |
| Average total loans | $114,903,800 | 3,564 |