Home > Pacific International Bank > Performance and Condition Ratios
Pacific International 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 | 4.8763% | 1,923 |
| Cost of funding earning assets | 0.9908% | 1,404 |
| Net interest margin | 3.8855% | 2,891 |
| Noninterest income to average assets | 0.5645% | 3,484 |
| Noninterest expense to average assets | 4.2888% | 688 |
| Loan and lease loss provision to assets | 2.5178% | 61 |
| Net operating income to assets | -2.5846% | 6,985 |
| Return on assets (ROA) | -2.5260% | 6,983 |
| Pretax return on assets | -2.5027% | 6,981 |
| Return on Equity (ROE) | -20.5296% | 6,887 |
| Retained earnings to average equity (ytd only) | -20.5296% | 6,858 |
| Net charge-offs to loans | 3.6184% | 98 |
| Credit loss provision to net charge-offs | 85.9553% | 3,630 |
| Earnings coverage of net charge-offs (x) | -0.0149% | 5,490 |
| Efficiency ratio | 101.0273% | 522 |
| Assets per employee ($millions) | 3.9615% | 4,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3093% | 501 |
| Loan loss allowance to noncurrent loans | 28.0040% | 6,140 |
| Noncurrent assets plus other real estate owned to assets | 11.1360% | 178 |
| Noncurrent loans to loans | 11.8174% | 157 |
| Net loans and leases to total assets | 76.3029% | 876 |
| Net loans and leases to deposits | 97.9480% | 510 |
| Net loans and leases to core deposits | 111.1328% | 500 |
| Total domestic deposits to total assets | 77.9014% | 6,099 |
| Equity capital to assets | 12.8799% | 1,502 |
| Core capital (leverage) ratio | 12.2563% | 1,426 |
| Tier 1 risk-based capital ratio | 15.3977% | 3,487 |
| Total risk-based capital ratio | 16.6712% | 3,436 |
| Memoranda: | ||
| Average total assets | $206,373,600 | 2,969 |
| Average earning assets | $195,497,200 | 2,892 |
| Average equity | $25,392,600 | 2,620 |
| Average total loans | $167,064,600 | 2,339 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9239% | 1,926 |
| Cost of funding earning assets | 1.0079% | 1,509 |
| Net interest margin | 3.9160% | 2,853 |
| Noninterest income to average assets | 0.6151% | 3,187 |
| Noninterest expense to average assets | 4.2671% | 675 |
| Loan and lease loss provision to assets | 2.9477% | 41 |
| Net operating income to assets | -2.8925% | 7,109 |
| Return on assets (ROA) | -2.8165% | 7,108 |
| Pretax return on assets | -2.8165% | 7,102 |
| Return on Equity (ROE) | -23.1226% | 7,021 |
| Retained earnings to average equity (ytd only) | -23.1226% | 7,008 |
| Net charge-offs to loans | 4.0258% | 85 |
| Credit loss provision to net charge-offs | 89.9617% | 3,296 |
| Earnings coverage of net charge-offs (x) | 0.0169% | 5,325 |
| Efficiency ratio | 98.7220% | 575 |
| Assets per employee ($millions) | 3.9488% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2149% | 591 |
| Loan loss allowance to noncurrent loans | 27.6771% | 6,231 |
| Noncurrent assets plus other real estate owned to assets | 11.3529% | 180 |
| Noncurrent loans to loans | 11.6158% | 182 |
| Net loans and leases to total assets | 77.5200% | 786 |
| Net loans and leases to deposits | 102.5515% | 329 |
| Net loans and leases to core deposits | 116.8342% | 370 |
| Total domestic deposits to total assets | 75.5913% | 6,441 |
| Equity capital to assets | 12.2752% | 2,060 |
| Core capital (leverage) ratio | 11.7472% | 1,812 |
| Tier 1 risk-based capital ratio | 14.2459% | 4,353 |
| Total risk-based capital ratio | 15.5179% | 4,309 |
| Memoranda: | ||
| Average total assets | $212,409,750 | 2,933 |
| Average earning assets | $201,082,750 | 2,853 |
| Average equity | $25,873,000 | 2,603 |
| Average total loans | $172,879,500 | 2,314 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9884% | 1,816 |
| Cost of funding earning assets | 1.0173% | 1,667 |
| Net interest margin | 3.9712% | 2,630 |
| Noninterest income to average assets | 0.6127% | 3,182 |
| Noninterest expense to average assets | 4.2631% | 679 |
| Loan and lease loss provision to assets | 3.8362% | 30 |
| Net operating income to assets | -3.7157% | 7,186 |
| Return on assets (ROA) | -3.6044% | 7,181 |
| Pretax return on assets | -3.6044% | 7,175 |
| Return on Equity (ROE) | -29.6608% | 7,100 |
| Retained earnings to average equity (ytd only) | -29.6608% | 7,088 |
| Net charge-offs to loans | 4.8584% | 72 |
| Credit loss provision to net charge-offs | 96.5501% | 2,867 |
| Earnings coverage of net charge-offs (x) | 0.0303% | 5,065 |
| Efficiency ratio | 97.2508% | 645 |
| Assets per employee ($millions) | 4.1727% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2818% | 602 |
| Loan loss allowance to noncurrent loans | 25.3671% | 6,344 |
| Noncurrent assets plus other real estate owned to assets | 11.4870% | 197 |
| Noncurrent loans to loans | 12.9373% | 143 |
| Net loans and leases to total assets | 77.1113% | 830 |
| Net loans and leases to deposits | 100.5626% | 400 |
| Net loans and leases to core deposits | 115.7524% | 402 |
| Total domestic deposits to total assets | 76.6800% | 6,379 |
| Equity capital to assets | 11.8561% | 2,263 |
| Core capital (leverage) ratio | 11.6210% | 1,824 |
| Tier 1 risk-based capital ratio | 14.0471% | 4,417 |
| Total risk-based capital ratio | 15.3205% | 4,359 |
| Memoranda: | ||
| Average total assets | $217,400,330 | 2,898 |
| Average earning assets | $206,437,000 | 2,805 |
| Average equity | $26,418,670 | 2,541 |
| Average total loans | $177,793,330 | 2,260 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0884% | 1,609 |
| Cost of funding earning assets | 1.0348% | 1,774 |
| Net interest margin | 4.0536% | 2,280 |
| Noninterest income to average assets | 0.6204% | 3,103 |
| Noninterest expense to average assets | 3.8524% | 1,126 |
| Loan and lease loss provision to assets | 5.7173% | 16 |
| Net operating income to assets | -5.0987% | 7,273 |
| Return on assets (ROA) | -5.0987% | 7,274 |
| Pretax return on assets | -5.0987% | 7,273 |
| Return on Equity (ROE) | -41.4820% | 7,206 |
| Retained earnings to average equity (ytd only) | -41.4820% | 7,192 |
| Net charge-offs to loans | 6.5846% | 51 |
| Credit loss provision to net charge-offs | 104.9321% | 2,205 |
| Earnings coverage of net charge-offs (x) | 0.1135% | 4,310 |
| Efficiency ratio | 86.1638% | 1,468 |
| Assets per employee ($millions) | 4.1959% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1531% | 714 |
| Loan loss allowance to noncurrent loans | 30.8141% | 6,131 |
| Noncurrent assets plus other real estate owned to assets | 9.9164% | 306 |
| Noncurrent loans to loans | 10.2327% | 292 |
| Net loans and leases to total assets | 82.6328% | 242 |
| Net loans and leases to deposits | 107.7879% | 169 |
| Net loans and leases to core deposits | 125.5102% | 238 |
| Total domestic deposits to total assets | 76.6624% | 6,462 |
| Equity capital to assets | 12.0838% | 1,984 |
| Core capital (leverage) ratio | 11.5878% | 1,843 |
| Tier 1 risk-based capital ratio | 13.3472% | 4,938 |
| Total risk-based capital ratio | 14.6191% | 4,915 |
| Memoranda: | ||
| Average total assets | $221,782,500 | 2,868 |
| Average earning assets | $210,675,000 | 2,766 |
| Average equity | $27,260,000 | 2,455 |
| Average total loans | $183,519,500 | 2,190 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 4,135 |
| Cost of funding earning assets | 1.3564% | 1,213 |
| Net interest margin | 3.3706% | 5,576 |
| Noninterest income to average assets | 2.0486% | 361 |
| Noninterest expense to average assets | 3.1808% | 2,935 |
| Loan and lease loss provision to assets | 3.2118% | 105 |
| Net operating income to assets | -1.3735% | 6,880 |
| Return on assets (ROA) | -1.3852% | 6,900 |
| Pretax return on assets | -1.1405% | 6,791 |
| Return on Equity (ROE) | -11.6449% | 6,784 |
| Retained earnings to average equity (ytd only) | -11.6449% | 6,753 |
| Net charge-offs to loans | 5.1790% | 72 |
| Credit loss provision to net charge-offs | 78.2011% | 4,543 |
| Earnings coverage of net charge-offs (x) | 0.5072% | 5,448 |
| Efficiency ratio | 60.4261% | 5,680 |
| Assets per employee ($millions) | 4.3316% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0403% | 782 |
| Loan loss allowance to noncurrent loans | 22.9667% | 6,513 |
| Noncurrent assets plus other real estate owned to assets | 11.5343% | 241 |
| Noncurrent loans to loans | 13.2378% | 168 |
| Net loans and leases to total assets | 77.9040% | 721 |
| Net loans and leases to deposits | 99.4036% | 486 |
| Net loans and leases to core deposits | 117.5973% | 406 |
| Total domestic deposits to total assets | 78.3714% | 6,121 |
| Equity capital to assets | 12.4848% | 1,806 |
| Core capital (leverage) ratio | 11.7828% | 1,718 |
| Tier 1 risk-based capital ratio | 14.6636% | 3,860 |
| Total risk-based capital ratio | 15.9338% | 3,828 |
| Memoranda: | ||
| Average total assets | $263,930,200 | 2,393 |
| Average earning assets | $251,767,200 | 2,290 |
| Average equity | $31,395,600 | 2,108 |
| Average total loans | $209,308,600 | 1,960 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7780% | 4,109 |
| Cost of funding earning assets | 1.4317% | 1,098 |
| Net interest margin | 3.3463% | 5,731 |
| Noninterest income to average assets | 2.3567% | 292 |
| Noninterest expense to average assets | 2.9052% | 3,909 |
| Loan and lease loss provision to assets | 2.3186% | 206 |
| Net operating income to assets | 0.1548% | 5,824 |
| Return on assets (ROA) | 0.1448% | 5,972 |
| Pretax return on assets | 0.3112% | 5,680 |
| Return on Equity (ROE) | 1.2303% | 6,021 |
| Retained earnings to average equity (ytd only) | 1.2303% | 5,520 |
| Net charge-offs to loans | 4.5476% | 120 |
| Credit loss provision to net charge-offs | 64.4674% | 4,654 |
| Earnings coverage of net charge-offs (x) | 0.7355% | 5,060 |
| Efficiency ratio | 52.3402% | 6,647 |
| Assets per employee ($millions) | 4.6979% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7955% | 1,035 |
| Loan loss allowance to noncurrent loans | 18.4424% | 6,726 |
| Noncurrent assets plus other real estate owned to assets | 12.6814% | 200 |
| Noncurrent loans to loans | 15.1577% | 132 |
| Net loans and leases to total assets | 74.8413% | 1,177 |
| Net loans and leases to deposits | 98.0841% | 574 |
| Net loans and leases to core deposits | 113.6791% | 561 |
| Total domestic deposits to total assets | 76.3032% | 6,489 |
| Equity capital to assets | 13.1059% | 1,558 |
| Core capital (leverage) ratio | 11.8510% | 1,790 |
| Tier 1 risk-based capital ratio | 15.4524% | 3,410 |
| Total risk-based capital ratio | 16.7195% | 3,377 |
| Memoranda: | ||
| Average total assets | $272,518,750 | 2,337 |
| Average earning assets | $260,104,750 | 2,244 |
| Average equity | $32,079,000 | 2,069 |
| Average total loans | $215,521,500 | 1,925 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8129% | 4,043 |
| Cost of funding earning assets | 1.4521% | 1,189 |
| Net interest margin | 3.3607% | 5,681 |
| Noninterest income to average assets | 2.0773% | 343 |
| Noninterest expense to average assets | 2.7793% | 4,509 |
| Loan and lease loss provision to assets | 2.5781% | 200 |
| Net operating income to assets | -0.1184% | 6,372 |
| Return on assets (ROA) | -0.1412% | 6,450 |
| Pretax return on assets | -0.0885% | 6,355 |
| Return on Equity (ROE) | -1.2416% | 6,435 |
| Retained earnings to average equity (ytd only) | -1.2416% | 6,101 |
| Net charge-offs to loans | 5.1875% | 111 |
| Credit loss provision to net charge-offs | 62.3533% | 4,291 |
| Earnings coverage of net charge-offs (x) | 0.6077% | 4,841 |
| Efficiency ratio | 52.5209% | 6,754 |
| Assets per employee ($millions) | 4.7838% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6325% | 1,265 |
| Loan loss allowance to noncurrent loans | 22.1216% | 6,643 |
| Noncurrent assets plus other real estate owned to assets | 9.6448% | 419 |
| Noncurrent loans to loans | 11.9004% | 259 |
| Net loans and leases to total assets | 78.5225% | 704 |
| Net loans and leases to deposits | 108.2839% | 212 |
| Net loans and leases to core deposits | 123.5449% | 350 |
| Total domestic deposits to total assets | 72.5154% | 6,976 |
| Equity capital to assets | 11.6842% | 2,339 |
| Core capital (leverage) ratio | 11.2351% | 2,084 |
| Tier 1 risk-based capital ratio | 13.3452% | 4,653 |
| Total risk-based capital ratio | 14.6051% | 4,625 |
| Memoranda: | ||
| Average total assets | $280,362,670 | 2,290 |
| Average earning assets | $268,156,000 | 2,195 |
| Average equity | $31,894,670 | 2,072 |
| Average total loans | $223,460,670 | 1,881 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7740% | 4,184 |
| Cost of funding earning assets | 1.4658% | 1,311 |
| Net interest margin | 3.3083% | 5,747 |
| Noninterest income to average assets | 1.9282% | 375 |
| Noninterest expense to average assets | 2.8120% | 4,394 |
| Loan and lease loss provision to assets | 2.5334% | 199 |
| Net operating income to assets | -0.1603% | 6,520 |
| Return on assets (ROA) | -0.1675% | 6,543 |
| Pretax return on assets | -0.2646% | 6,593 |
| Return on Equity (ROE) | -1.4916% | 6,539 |
| Retained earnings to average equity (ytd only) | -1.4916% | 6,071 |
| Net charge-offs to loans | 5.2637% | 140 |
| Credit loss provision to net charge-offs | 60.7287% | 3,533 |
| Earnings coverage of net charge-offs (x) | 0.5466% | 4,211 |
| Efficiency ratio | 55.2239% | 6,589 |
| Assets per employee ($millions) | 5.2674% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0441% | 875 |
| Loan loss allowance to noncurrent loans | 33.2730% | 6,080 |
| Noncurrent assets plus other real estate owned to assets | 7.4909% | 674 |
| Noncurrent loans to loans | 9.1489% | 477 |
| Net loans and leases to total assets | 76.2213% | 1,004 |
| Net loans and leases to deposits | 106.4659% | 239 |
| Net loans and leases to core deposits | 121.3392% | 391 |
| Total domestic deposits to total assets | 71.5923% | 7,104 |
| Equity capital to assets | 11.1602% | 2,532 |
| Core capital (leverage) ratio | 11.1659% | 2,058 |
| Tier 1 risk-based capital ratio | 13.3980% | 4,504 |
| Total risk-based capital ratio | 14.6679% | 4,468 |
| Memoranda: | ||
| Average total assets | $284,206,000 | 2,273 |
| Average earning assets | $271,803,500 | 2,189 |
| Average equity | $31,912,000 | 2,055 |
| Average total loans | $225,240,500 | 1,895 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3332% | 2,966 |
| Cost of funding earning assets | 1.8148% | 1,114 |
| Net interest margin | 3.5184% | 5,172 |
| Noninterest income to average assets | 0.7557% | 2,513 |
| Noninterest expense to average assets | 2.2778% | 6,419 |
| Loan and lease loss provision to assets | 1.6908% | 839 |
| Net operating income to assets | 0.0796% | 5,639 |
| Return on assets (ROA) | 0.0796% | 5,773 |
| Pretax return on assets | 0.1202% | 5,664 |
| Return on Equity (ROE) | 0.7425% | 5,770 |
| Retained earnings to average equity (ytd only) | 0.7425% | 5,189 |
| Net charge-offs to loans | 1.5668% | 1,394 |
| Credit loss provision to net charge-offs | 135.0825% | 2,885 |
| Earnings coverage of net charge-offs (x) | 1.4468% | 4,669 |
| Efficiency ratio | 55.7092% | 6,629 |
| Assets per employee ($millions) | 4.8961% | 2,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5135% | 594 |
| Loan loss allowance to noncurrent loans | 52.7113% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 5.6266% | 1,091 |
| Noncurrent loans to loans | 6.6655% | 877 |
| Net loans and leases to total assets | 77.0847% | 1,076 |
| Net loans and leases to deposits | 107.8878% | 273 |
| Net loans and leases to core deposits | 121.4129% | 489 |
| Total domestic deposits to total assets | 71.4489% | 7,137 |
| Equity capital to assets | 11.2969% | 2,412 |
| Core capital (leverage) ratio | 10.8736% | 2,252 |
| Tier 1 risk-based capital ratio | 13.4909% | 4,212 |
| Total risk-based capital ratio | 14.7672% | 4,157 |
| Memoranda: | ||
| Average total assets | $295,369,600 | 2,177 |
| Average earning assets | $279,812,600 | 2,111 |
| Average equity | $31,648,200 | 2,075 |
| Average total loans | $235,956,200 | 1,851 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4358% | 2,714 |
| Cost of funding earning assets | 1.8749% | 1,116 |
| Net interest margin | 3.5609% | 5,059 |
| Noninterest income to average assets | 0.6845% | 2,912 |
| Noninterest expense to average assets | 2.1237% | 6,801 |
| Loan and lease loss provision to assets | 1.3305% | 1,036 |
| Net operating income to assets | 0.3912% | 4,788 |
| Return on assets (ROA) | 0.3912% | 4,966 |
| Pretax return on assets | 0.5928% | 4,620 |
| Return on Equity (ROE) | 3.6989% | 4,915 |
| Retained earnings to average equity (ytd only) | 3.6989% | 3,857 |
| Net charge-offs to loans | 1.2867% | 1,587 |
| Credit loss provision to net charge-offs | 129.4476% | 3,128 |
| Earnings coverage of net charge-offs (x) | 1.8712% | 4,305 |
| Efficiency ratio | 52.4746% | 6,937 |
| Assets per employee ($millions) | 5.6822% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1606% | 725 |
| Loan loss allowance to noncurrent loans | 85.3279% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 4.0236% | 1,736 |
| Noncurrent loans to loans | 3.7040% | 2,100 |
| Net loans and leases to total assets | 73.4038% | 1,930 |
| Net loans and leases to deposits | 103.6130% | 452 |
| Net loans and leases to core deposits | 118.7631% | 660 |
| Total domestic deposits to total assets | 70.8442% | 7,226 |
| Equity capital to assets | 10.7844% | 3,189 |
| Core capital (leverage) ratio | 10.8167% | 2,402 |
| Tier 1 risk-based capital ratio | 13.2531% | 4,388 |
| Total risk-based capital ratio | 14.5245% | 4,337 |
| Memoranda: | ||
| Average total assets | $298,219,000 | 2,196 |
| Average earning assets | $281,608,750 | 2,135 |
| Average equity | $31,540,250 | 2,095 |
| Average total loans | $238,227,750 | 1,860 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5281% | 2,409 |
| Cost of funding earning assets | 1.9411% | 1,076 |
| Net interest margin | 3.5870% | 4,873 |
| Noninterest income to average assets | 0.3135% | 5,655 |
| Noninterest expense to average assets | 2.0850% | 6,952 |
| Loan and lease loss provision to assets | 1.0686% | 1,351 |
| Net operating income to assets | 0.3765% | 4,867 |
| Return on assets (ROA) | 0.3765% | 5,030 |
| Pretax return on assets | 0.5424% | 4,767 |
| Return on Equity (ROE) | 3.5844% | 4,968 |
| Retained earnings to average equity (ytd only) | 3.5844% | 3,813 |
| Net charge-offs to loans | 1.8350% | 1,012 |
| Credit loss provision to net charge-offs | 71.6296% | 4,922 |
| Earnings coverage of net charge-offs (x) | 1.0799% | 4,717 |
| Efficiency ratio | 56.4126% | 6,585 |
| Assets per employee ($millions) | 5.7291% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5488% | 1,241 |
| Loan loss allowance to noncurrent loans | 142.9686% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 3.5994% | 1,951 |
| Noncurrent loans to loans | 1.7828% | 4,021 |
| Net loans and leases to total assets | 79.1539% | 927 |
| Net loans and leases to deposits | 116.2729% | 171 |
| Net loans and leases to core deposits | 131.5992% | 396 |
| Total domestic deposits to total assets | 68.0759% | 7,426 |
| Equity capital to assets | 11.1084% | 2,765 |
| Core capital (leverage) ratio | 10.9795% | 2,259 |
| Tier 1 risk-based capital ratio | 12.7810% | 4,624 |
| Total risk-based capital ratio | 14.0452% | 4,579 |
| Memoranda: | ||
| Average total assets | $295,345,000 | 2,231 |
| Average earning assets | $278,503,670 | 2,168 |
| Average equity | $31,023,330 | 2,124 |
| Average total loans | $240,109,000 | 1,874 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5490% | 2,367 |
| Cost of funding earning assets | 2.0544% | 932 |
| Net interest margin | 3.4947% | 5,182 |
| Noninterest income to average assets | 0.3772% | 5,121 |
| Noninterest expense to average assets | 2.0759% | 6,998 |
| Loan and lease loss provision to assets | 1.0036% | 1,243 |
| Net operating income to assets | 0.3988% | 4,846 |
| Return on assets (ROA) | 0.3988% | 4,988 |
| Pretax return on assets | 0.6022% | 4,594 |
| Return on Equity (ROE) | 3.9068% | 4,933 |
| Retained earnings to average equity (ytd only) | 3.9068% | 3,795 |
| Net charge-offs to loans | 2.3818% | 704 |
| Credit loss provision to net charge-offs | 51.8081% | 4,451 |
| Earnings coverage of net charge-offs (x) | 0.8289% | 4,304 |
| Efficiency ratio | 56.3849% | 6,715 |
| Assets per employee ($millions) | 5.4403% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4532% | 1,358 |
| Loan loss allowance to noncurrent loans | 189.3920% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 2.5480% | 2,851 |
| Noncurrent loans to loans | 1.2953% | 4,814 |
| Net loans and leases to total assets | 79.4802% | 913 |
| Net loans and leases to deposits | 115.5482% | 188 |
| Net loans and leases to core deposits | 129.6971% | 503 |
| Total domestic deposits to total assets | 68.7853% | 7,479 |
| Equity capital to assets | 10.2267% | 3,568 |
| Core capital (leverage) ratio | 10.0779% | 3,067 |
| Tier 1 risk-based capital ratio | 11.4410% | 5,727 |
| Total risk-based capital ratio | 12.7035% | 5,698 |
| Memoranda: | ||
| Average total assets | $296,925,500 | 2,263 |
| Average earning assets | $280,770,000 | 2,203 |
| Average equity | $30,306,500 | 2,201 |
| Average total loans | $241,501,500 | 1,911 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8111% | 2,609 |
| Cost of funding earning assets | 2.6159% | 744 |
| Net interest margin | 3.1953% | 6,114 |
| Noninterest income to average assets | 1.2323% | 996 |
| Noninterest expense to average assets | 2.4170% | 6,415 |
| Loan and lease loss provision to assets | 2.4905% | 797 |
| Net operating income to assets | -0.3960% | 6,075 |
| Return on assets (ROA) | -0.3960% | 6,062 |
| Pretax return on assets | -0.6081% | 6,106 |
| Return on Equity (ROE) | -3.5432% | 6,062 |
| Retained earnings to average equity (ytd only) | -9.0263% | 6,432 |
| Net charge-offs to loans | 1.5116% | 1,661 |
| Credit loss provision to net charge-offs | 191.9359% | 2,073 |
| Earnings coverage of net charge-offs (x) | 1.4507% | 4,675 |
| Efficiency ratio | 56.2177% | 6,991 |
| Assets per employee ($millions) | 5.5591% | 1,597 |
| Cash dividends to net income (ytd only)* | -154.7511% | 7,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7901% | 940 |
| Loan loss allowance to noncurrent loans | 221.1398% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 2.5401% | 2,756 |
| Noncurrent loans to loans | 1.2617% | 4,829 |
| Net loans and leases to total assets | 78.9216% | 1,200 |
| Net loans and leases to deposits | 110.6843% | 363 |
| Net loans and leases to core deposits | 146.0811% | 608 |
| Total domestic deposits to total assets | 71.3033% | 7,302 |
| Equity capital to assets | 10.1866% | 3,528 |
| Core capital (leverage) ratio | 10.3854% | 2,701 |
| Tier 1 risk-based capital ratio | 11.4001% | 5,510 |
| Total risk-based capital ratio | 12.6662% | 5,451 |
| Memoranda: | ||
| Average total assets | $279,066,000 | 2,355 |
| Average earning assets | $267,864,400 | 2,256 |
| Average equity | $31,186,600 | 2,152 |
| Average total loans | $239,540,400 | 1,954 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7939% | 2,924 |
| Cost of funding earning assets | 2.7355% | 714 |
| Net interest margin | 3.0584% | 6,438 |
| Noninterest income to average assets | 0.6638% | 3,264 |
| Noninterest expense to average assets | 2.2884% | 6,736 |
| Loan and lease loss provision to assets | 1.1740% | 1,651 |
| Net operating income to assets | 0.1018% | 5,459 |
| Return on assets (ROA) | 0.1018% | 5,506 |
| Pretax return on assets | 0.1478% | 5,424 |
| Return on Equity (ROE) | 0.8894% | 5,534 |
| Retained earnings to average equity (ytd only) | -6.3531% | 6,428 |
| Net charge-offs to loans | 0.5598% | 3,002 |
| Credit loss provision to net charge-offs | 240.8549% | 1,810 |
| Earnings coverage of net charge-offs (x) | 2.7117% | 3,870 |
| Efficiency ratio | 63.3875% | 5,860 |
| Assets per employee ($millions) | 5.3541% | 1,745 |
| Cash dividends to net income (ytd only)* | 814.2934% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9274% | 1,962 |
| Loan loss allowance to noncurrent loans | 44.8780% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 4.4001% | 1,397 |
| Noncurrent loans to loans | 4.2948% | 1,673 |
| Net loans and leases to total assets | 85.3884% | 397 |
| Net loans and leases to deposits | 122.0133% | 171 |
| Net loans and leases to core deposits | 176.8095% | 207 |
| Total domestic deposits to total assets | 69.9829% | 7,415 |
| Equity capital to assets | 10.8864% | 3,131 |
| Core capital (leverage) ratio | 10.9602% | 2,432 |
| Tier 1 risk-based capital ratio | 12.2992% | 4,710 |
| Total risk-based capital ratio | 13.5571% | 4,642 |
| Memoranda: | ||
| Average total assets | $275,174,250 | 2,391 |
| Average earning assets | $265,102,000 | 2,294 |
| Average equity | $31,480,000 | 2,144 |
| Average total loans | $239,624,750 | 1,979 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7467% | 3,312 |
| Cost of funding earning assets | 2.8244% | 733 |
| Net interest margin | 2.9223% | 6,751 |
| Noninterest income to average assets | 0.4230% | 5,096 |
| Noninterest expense to average assets | 2.2496% | 6,922 |
| Loan and lease loss provision to assets | 0.9350% | 1,804 |
| Net operating income to assets | 0.0492% | 5,707 |
| Return on assets (ROA) | 0.0492% | 5,797 |
| Pretax return on assets | 0.0683% | 5,743 |
| Return on Equity (ROE) | 0.4230% | 5,807 |
| Retained earnings to average equity (ytd only) | -10.3738% | 6,908 |
| Net charge-offs to loans | 0.3019% | 3,678 |
| Credit loss provision to net charge-offs | 355.5866% | 1,305 |
| Earnings coverage of net charge-offs (x) | 3.8156% | 3,302 |
| Efficiency ratio | 69.1578% | 4,951 |
| Assets per employee ($millions) | 5.2406% | 1,824 |
| Cash dividends to net income (ytd only)* | 2,552.2388% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7585% | 2,152 |
| Loan loss allowance to noncurrent loans | 44.0720% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 3.6968% | 1,666 |
| Noncurrent loans to loans | 3.9900% | 1,705 |
| Net loans and leases to total assets | 85.6868% | 407 |
| Net loans and leases to deposits | 123.6184% | 184 |
| Net loans and leases to core deposits | 203.1523% | 113 |
| Total domestic deposits to total assets | 69.3156% | 7,527 |
| Equity capital to assets | 11.0502% | 2,868 |
| Core capital (leverage) ratio | 11.1593% | 2,282 |
| Tier 1 risk-based capital ratio | 12.6546% | 4,391 |
| Total risk-based capital ratio | 13.9118% | 4,307 |
| Memoranda: | ||
| Average total assets | $272,309,670 | 2,428 |
| Average earning assets | $263,699,670 | 2,315 |
| Average equity | $31,676,000 | 2,136 |
| Average total loans | $237,144,000 | 2,027 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7966% | 3,324 |
| Cost of funding earning assets | 2.8760% | 816 |
| Net interest margin | 2.9206% | 6,700 |
| Noninterest income to average assets | 0.4110% | 5,122 |
| Noninterest expense to average assets | 2.3710% | 6,289 |
| Loan and lease loss provision to assets | 0.7508% | 1,716 |
| Net operating income to assets | 0.0786% | 6,041 |
| Return on assets (ROA) | 0.0786% | 6,210 |
| Pretax return on assets | 0.1098% | 6,144 |
| Return on Equity (ROE) | 0.6590% | 6,239 |
| Retained earnings to average equity (ytd only) | -7.1375% | 6,809 |
| Net charge-offs to loans | 0.4416% | 2,343 |
| Credit loss provision to net charge-offs | 195.3668% | 2,262 |
| Earnings coverage of net charge-offs (x) | 2.2394% | 3,618 |
| Efficiency ratio | 73.3701% | 3,935 |
| Assets per employee ($millions) | 5.0423% | 2,026 |
| Cash dividends to net income (ytd only)* | 1,183.0189% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 2,810 |
| Loan loss allowance to noncurrent loans | 66.9400% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 2.2332% | 2,563 |
| Noncurrent loans to loans | 2.2863% | 2,873 |
| Net loans and leases to total assets | 86.4792% | 386 |
| Net loans and leases to deposits | 127.1803% | 174 |
| Net loans and leases to core deposits | 207.4141% | 124 |
| Total domestic deposits to total assets | 67.9973% | 7,595 |
| Equity capital to assets | 11.9267% | 2,307 |
| Core capital (leverage) ratio | 11.8081% | 1,996 |
| Tier 1 risk-based capital ratio | 13.4415% | 3,903 |
| Total risk-based capital ratio | 14.6949% | 3,819 |
| Memoranda: | ||
| Average total assets | $269,589,500 | 2,466 |
| Average earning assets | $260,361,500 | 2,361 |
| Average equity | $32,168,000 | 2,103 |
| Average total loans | $234,588,500 | 2,060 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0757% | 957 |
| Cost of funding earning assets | 3.3752% | 748 |
| Net interest margin | 3.7005% | 4,471 |
| Noninterest income to average assets | 1.0014% | 1,576 |
| Noninterest expense to average assets | 2.6334% | 5,517 |
| Loan and lease loss provision to assets | 0.5665% | 2,555 |
| Net operating income to assets | 0.8950% | 3,018 |
| Return on assets (ROA) | 0.9016% | 2,837 |
| Pretax return on assets | 1.3959% | 1,983 |
| Return on Equity (ROE) | 8.3225% | 2,932 |
| Retained earnings to average equity (ytd only) | -2.2375% | 5,934 |
| Net charge-offs to loans | 0.1670% | 4,531 |
| Credit loss provision to net charge-offs | 396.1538% | 1,113 |
| Earnings coverage of net charge-offs (x) | 13.6511% | 2,115 |
| Efficiency ratio | 57.4280% | 6,793 |
| Assets per employee ($millions) | 4.9443% | 2,001 |
| Cash dividends to net income (ytd only)* | 126.8845% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 3,049 |
| Loan loss allowance to noncurrent loans | 83.3749% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.4753% | 3,269 |
| Noncurrent loans to loans | 1.7110% | 3,201 |
| Net loans and leases to total assets | 84.9944% | 738 |
| Net loans and leases to deposits | 124.6881% | 291 |
| Net loans and leases to core deposits | 256.6376% | 66 |
| Total domestic deposits to total assets | 68.1657% | 7,456 |
| Equity capital to assets | 11.9376% | 2,333 |
| Core capital (leverage) ratio | 12.3483% | 1,806 |
| Tier 1 risk-based capital ratio | 13.6197% | 3,748 |
| Total risk-based capital ratio | 14.8719% | 3,655 |
| Memoranda: | ||
| Average total assets | $254,539,000 | 2,514 |
| Average earning assets | $246,534,200 | 2,397 |
| Average equity | $27,576,000 | 2,428 |
| Average total loans | $217,910,800 | 2,150 |