Home > Palm Desert National Bank > Performance and Condition Ratios
Palm Desert National Bank, Performance and Condition Ratios
| 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 | 3.9318% | 5,944 |
| Cost of funding earning assets | 0.8293% | 3,239 |
| Net interest margin | 3.1025% | 6,031 |
| Noninterest income to average assets | -0.3231% | 7,228 |
| Noninterest expense to average assets | 8.1880% | 111 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -6.1990% | 7,282 |
| Return on assets (ROA) | -6.1990% | 7,284 |
| Pretax return on assets | -6.1990% | 7,283 |
| Return on Equity (ROE) | -738.0019% | 7,306 |
| Retained earnings to average equity (ytd only) | -738.0019% | 7,306 |
| Net charge-offs to loans | 1.2683% | 802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -8.0325% | 4,684 |
| Efficiency ratio | 411.6719% | 9 |
| Assets per employee ($millions) | 3.9168% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0790% | 168 |
| Loan loss allowance to noncurrent loans | 24.7193% | 6,392 |
| Noncurrent assets plus other real estate owned to assets | 28.6608% | 7 |
| Noncurrent loans to loans | 20.5468% | 44 |
| Net loans and leases to total assets | 56.0289% | 4,382 |
| Net loans and leases to deposits | 56.1288% | 5,584 |
| Net loans and leases to core deposits | 62.9703% | 5,223 |
| Total domestic deposits to total assets | 99.8221% | 2 |
| Equity capital to assets | 0.0642% | 7,305 |
| Core capital (leverage) ratio | 0.0652% | 7,306 |
| Tier 1 risk-based capital ratio | 0.1033% | 7,306 |
| Total risk-based capital ratio | 0.2067% | 7,306 |
| Memoranda: | ||
| Average total assets | $127,503,500 | 4,293 |
| Average earning assets | $95,020,500 | 4,817 |
| Average equity | $1,071,000 | 7,272 |
| Average total loans | $77,582,000 | 4,195 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3703% | 7,067 |
| Cost of funding earning assets | 0.7518% | 5,201 |
| Net interest margin | 2.6186% | 6,993 |
| Noninterest income to average assets | 3.9508% | 157 |
| Noninterest expense to average assets | 8.4059% | 96 |
| Loan and lease loss provision to assets | 0.0762% | 5,660 |
| Net operating income to assets | -2.4710% | 7,110 |
| Return on assets (ROA) | -2.5952% | 7,134 |
| Pretax return on assets | -2.5946% | 7,135 |
| Return on Equity (ROE) | -94.4241% | 7,306 |
| Retained earnings to average equity (ytd only) | -94.4241% | 7,306 |
| Net charge-offs to loans | 2.2614% | 558 |
| Credit loss provision to net charge-offs | 6.0918% | 6,035 |
| Earnings coverage of net charge-offs (x) | -1.9152% | 6,272 |
| Efficiency ratio | 139.8265% | 175 |
| Assets per employee ($millions) | 3.6986% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2251% | 152 |
| Loan loss allowance to noncurrent loans | 27.0230% | 6,345 |
| Noncurrent assets plus other real estate owned to assets | 33.8987% | 3 |
| Noncurrent loans to loans | 19.3356% | 55 |
| Net loans and leases to total assets | 59.4407% | 4,100 |
| Net loans and leases to deposits | 60.8626% | 5,386 |
| Net loans and leases to core deposits | 68.7923% | 4,936 |
| Total domestic deposits to total assets | 97.6637% | 12 |
| Equity capital to assets | 1.6373% | 7,335 |
| Core capital (leverage) ratio | 1.5972% | 7,334 |
| Tier 1 risk-based capital ratio | 2.3147% | 7,333 |
| Total risk-based capital ratio | 3.6063% | 7,336 |
| Memoranda: | ||
| Average total assets | $170,700,600 | 3,479 |
| Average earning assets | $134,348,600 | 3,846 |
| Average equity | $4,691,600 | 6,534 |
| Average total loans | $94,364,600 | 3,760 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2209% | 7,202 |
| Cost of funding earning assets | 0.7337% | 5,569 |
| Net interest margin | 2.4872% | 7,136 |
| Noninterest income to average assets | 4.7261% | 134 |
| Noninterest expense to average assets | 8.1975% | 100 |
| Loan and lease loss provision to assets | 0.0953% | 5,272 |
| Net operating income to assets | -1.5800% | 7,061 |
| Return on assets (ROA) | -1.7354% | 7,100 |
| Pretax return on assets | -1.7346% | 7,067 |
| Return on Equity (ROE) | -59.0168% | 7,319 |
| Retained earnings to average equity (ytd only) | -59.0168% | 7,316 |
| Net charge-offs to loans | 2.0643% | 603 |
| Credit loss provision to net charge-offs | 8.5470% | 5,671 |
| Earnings coverage of net charge-offs (x) | -1.3314% | 5,968 |
| Efficiency ratio | 122.1046% | 287 |
| Assets per employee ($millions) | 3.7129% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3553% | 146 |
| Loan loss allowance to noncurrent loans | 23.2720% | 6,566 |
| Noncurrent assets plus other real estate owned to assets | 36.2376% | 2 |
| Noncurrent loans to loans | 23.0116% | 37 |
| Net loans and leases to total assets | 66.2751% | 2,835 |
| Net loans and leases to deposits | 68.9463% | 4,456 |
| Net loans and leases to core deposits | 84.6812% | 2,959 |
| Total domestic deposits to total assets | 96.1256% | 30 |
| Equity capital to assets | 3.2644% | 7,353 |
| Core capital (leverage) ratio | 3.1610% | 7,345 |
| Tier 1 risk-based capital ratio | 4.3611% | 7,355 |
| Total risk-based capital ratio | 5.6575% | 7,356 |
| Memoranda: | ||
| Average total assets | $181,937,250 | 3,321 |
| Average earning assets | $145,378,000 | 3,675 |
| Average equity | $5,349,750 | 6,389 |
| Average total loans | $98,238,250 | 3,692 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0733% | 7,318 |
| Cost of funding earning assets | 0.7018% | 5,950 |
| Net interest margin | 2.3715% | 7,248 |
| Noninterest income to average assets | 6.2573% | 110 |
| Noninterest expense to average assets | 8.1046% | 110 |
| Loan and lease loss provision to assets | 0.1297% | 4,668 |
| Net operating income to assets | -0.0499% | 6,297 |
| Return on assets (ROA) | -0.2613% | 6,558 |
| Pretax return on assets | -0.2603% | 6,503 |
| Return on Equity (ROE) | -9.0983% | 6,906 |
| Retained earnings to average equity (ytd only) | -9.0983% | 6,832 |
| Net charge-offs to loans | 1.8263% | 760 |
| Credit loss provision to net charge-offs | 14.0237% | 5,204 |
| Earnings coverage of net charge-offs (x) | 0.0874% | 5,224 |
| Efficiency ratio | 99.0129% | 750 |
| Assets per employee ($millions) | 4.1177% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7466% | 114 |
| Loan loss allowance to noncurrent loans | 24.0574% | 6,574 |
| Noncurrent assets plus other real estate owned to assets | 33.0484% | 8 |
| Noncurrent loans to loans | 23.8872% | 36 |
| Net loans and leases to total assets | 60.6353% | 4,161 |
| Net loans and leases to deposits | 63.7852% | 5,301 |
| Net loans and leases to core deposits | 76.3872% | 4,260 |
| Total domestic deposits to total assets | 95.0617% | 50 |
| Equity capital to assets | 4.3207% | 7,366 |
| Core capital (leverage) ratio | 4.1093% | 7,367 |
| Tier 1 risk-based capital ratio | 6.3339% | 7,347 |
| Total risk-based capital ratio | 7.6358% | 7,349 |
| Memoranda: | ||
| Average total assets | $200,503,330 | 3,096 |
| Average earning assets | $163,016,000 | 3,386 |
| Average equity | $5,759,330 | 6,301 |
| Average total loans | $101,518,000 | 3,641 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4343% | 7,486 |
| Cost of funding earning assets | 0.6206% | 6,523 |
| Net interest margin | 1.8137% | 7,450 |
| Noninterest income to average assets | 2.1741% | 326 |
| Noninterest expense to average assets | 6.2266% | 181 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -2.5361% | 7,345 |
| Return on assets (ROA) | -2.9069% | 7,390 |
| Pretax return on assets | -2.9052% | 7,369 |
| Return on Equity (ROE) | -120.3149% | 7,507 |
| Retained earnings to average equity (ytd only) | -120.3149% | 7,502 |
| Net charge-offs to loans | 3.7613% | 258 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -1.4548% | 4,934 |
| Efficiency ratio | 168.6405% | 98 |
| Assets per employee ($millions) | 3.4251% | 5,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9526% | 201 |
| Loan loss allowance to noncurrent loans | 18.0841% | 6,831 |
| Noncurrent assets plus other real estate owned to assets | 21.5212% | 48 |
| Noncurrent loans to loans | 27.3865% | 23 |
| Net loans and leases to total assets | 42.2622% | 6,596 |
| Net loans and leases to deposits | 43.2393% | 6,978 |
| Net loans and leases to core deposits | 48.5597% | 6,854 |
| Total domestic deposits to total assets | 97.7403% | 8 |
| Equity capital to assets | 2.0725% | 7,529 |
| Core capital (leverage) ratio | 2.0521% | 7,530 |
| Tier 1 risk-based capital ratio | 4.4413% | 7,477 |
| Total risk-based capital ratio | 5.7340% | 7,477 |
| Memoranda: | ||
| Average total assets | $228,695,500 | 2,781 |
| Average earning assets | $191,431,500 | 2,988 |
| Average equity | $5,525,500 | 6,384 |
| Average total loans | $105,919,500 | 3,582 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1507% | 6,988 |
| Cost of funding earning assets | 0.9227% | 6,065 |
| Net interest margin | 3.2280% | 6,198 |
| Noninterest income to average assets | 2.7326% | 256 |
| Noninterest expense to average assets | 6.9314% | 161 |
| Loan and lease loss provision to assets | 1.1547% | 1,371 |
| Net operating income to assets | -2.8524% | 7,263 |
| Return on assets (ROA) | -2.6978% | 7,242 |
| Pretax return on assets | -2.4539% | 7,149 |
| Return on Equity (ROE) | -75.8950% | 7,536 |
| Retained earnings to average equity (ytd only) | -75.8950% | 7,535 |
| Net charge-offs to loans | 3.6340% | 380 |
| Credit loss provision to net charge-offs | 49.8231% | 6,261 |
| Earnings coverage of net charge-offs (x) | -0.6273% | 6,509 |
| Efficiency ratio | 126.5393% | 348 |
| Assets per employee ($millions) | 3.3505% | 5,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6568% | 127 |
| Loan loss allowance to noncurrent loans | 21.2666% | 6,761 |
| Noncurrent assets plus other real estate owned to assets | 22.0740% | 50 |
| Noncurrent loans to loans | 26.5994% | 28 |
| Net loans and leases to total assets | 45.5059% | 6,600 |
| Net loans and leases to deposits | 46.9775% | 6,999 |
| Net loans and leases to core deposits | 52.8428% | 6,864 |
| Total domestic deposits to total assets | 96.8674% | 22 |
| Equity capital to assets | 2.7726% | 7,576 |
| Core capital (leverage) ratio | 2.5194% | 7,585 |
| Tier 1 risk-based capital ratio | 5.6595% | 7,497 |
| Total risk-based capital ratio | 6.9599% | 7,499 |
| Memoranda: | ||
| Average total assets | $256,167,600 | 2,490 |
| Average earning assets | $217,841,000 | 2,657 |
| Average equity | $9,106,000 | 5,392 |
| Average total loans | $163,375,200 | 2,570 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2024% | 7,087 |
| Cost of funding earning assets | 0.9531% | 6,159 |
| Net interest margin | 3.2492% | 6,175 |
| Noninterest income to average assets | 1.8256% | 439 |
| Noninterest expense to average assets | 6.9667% | 154 |
| Loan and lease loss provision to assets | 0.7326% | 2,088 |
| Net operating income to assets | -3.4114% | 7,505 |
| Return on assets (ROA) | -3.2453% | 7,497 |
| Pretax return on assets | -2.9297% | 7,403 |
| Return on Equity (ROE) | -87.2177% | 7,673 |
| Retained earnings to average equity (ytd only) | -87.2177% | 7,673 |
| Net charge-offs to loans | 1.6867% | 1,167 |
| Credit loss provision to net charge-offs | 64.7479% | 5,571 |
| Earnings coverage of net charge-offs (x) | -2.0888% | 6,539 |
| Efficiency ratio | 151.3380% | 201 |
| Assets per employee ($millions) | 3.4245% | 5,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0106% | 169 |
| Loan loss allowance to noncurrent loans | 27.7596% | 6,467 |
| Noncurrent assets plus other real estate owned to assets | 18.6305% | 82 |
| Noncurrent loans to loans | 18.0499% | 105 |
| Net loans and leases to total assets | 60.5601% | 4,806 |
| Net loans and leases to deposits | 62.3470% | 6,082 |
| Net loans and leases to core deposits | 71.4360% | 5,580 |
| Total domestic deposits to total assets | 97.1340% | 12 |
| Equity capital to assets | 2.7015% | 7,704 |
| Core capital (leverage) ratio | 2.5126% | 7,699 |
| Tier 1 risk-based capital ratio | 4.2967% | 7,678 |
| Total risk-based capital ratio | 5.5950% | 7,679 |
| Memoranda: | ||
| Average total assets | $264,089,250 | 2,452 |
| Average earning assets | $225,772,500 | 2,598 |
| Average equity | $9,826,500 | 5,248 |
| Average total loans | $177,149,750 | 2,417 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3127% | 7,027 |
| Cost of funding earning assets | 0.9937% | 6,171 |
| Net interest margin | 3.3190% | 5,945 |
| Noninterest income to average assets | 1.9128% | 376 |
| Noninterest expense to average assets | 7.1275% | 148 |
| Loan and lease loss provision to assets | 0.8675% | 1,675 |
| Net operating income to assets | -3.7337% | 7,596 |
| Return on assets (ROA) | -3.7337% | 7,604 |
| Pretax return on assets | -3.2627% | 7,508 |
| Return on Equity (ROE) | -92.0961% | 7,724 |
| Retained earnings to average equity (ytd only) | -92.0961% | 7,723 |
| Net charge-offs to loans | 1.8044% | 1,036 |
| Credit loss provision to net charge-offs | 70.5270% | 4,957 |
| Earnings coverage of net charge-offs (x) | -1.9473% | 6,205 |
| Efficiency ratio | 150.6132% | 202 |
| Assets per employee ($millions) | 3.0058% | 6,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1203% | 162 |
| Loan loss allowance to noncurrent loans | 27.2182% | 6,534 |
| Noncurrent assets plus other real estate owned to assets | 20.9471% | 46 |
| Noncurrent loans to loans | 18.8119% | 98 |
| Net loans and leases to total assets | 67.2911% | 3,557 |
| Net loans and leases to deposits | 69.9592% | 5,283 |
| Net loans and leases to core deposits | 85.6100% | 3,888 |
| Total domestic deposits to total assets | 96.1862% | 20 |
| Equity capital to assets | 3.5670% | 7,722 |
| Core capital (leverage) ratio | 3.2436% | 7,726 |
| Tier 1 risk-based capital ratio | 5.0891% | 7,695 |
| Total risk-based capital ratio | 6.3882% | 7,693 |
| Memoranda: | ||
| Average total assets | $265,365,000 | 2,461 |
| Average earning assets | $225,427,000 | 2,619 |
| Average equity | $10,758,330 | 4,987 |
| Average total loans | $180,890,000 | 2,414 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2785% | 7,164 |
| Cost of funding earning assets | 1.0395% | 6,174 |
| Net interest margin | 3.2390% | 6,169 |
| Noninterest income to average assets | 1.8746% | 372 |
| Noninterest expense to average assets | 8.2758% | 111 |
| Loan and lease loss provision to assets | 0.6387% | 1,984 |
| Net operating income to assets | -4.3047% | 7,736 |
| Return on assets (ROA) | -4.3047% | 7,744 |
| Pretax return on assets | -4.3047% | 7,713 |
| Return on Equity (ROE) | -101.0208% | 7,831 |
| Retained earnings to average equity (ytd only) | -101.0208% | 7,827 |
| Net charge-offs to loans | 2.4860% | 661 |
| Credit loss provision to net charge-offs | 38.3491% | 4,669 |
| Earnings coverage of net charge-offs (x) | -2.2012% | 5,484 |
| Efficiency ratio | 179.5278% | 124 |
| Assets per employee ($millions) | 3.1903% | 5,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6567% | 232 |
| Loan loss allowance to noncurrent loans | 27.3674% | 6,574 |
| Noncurrent assets plus other real estate owned to assets | 18.7325% | 74 |
| Noncurrent loans to loans | 17.0155% | 130 |
| Net loans and leases to total assets | 64.8508% | 4,129 |
| Net loans and leases to deposits | 67.6770% | 5,631 |
| Net loans and leases to core deposits | 82.3280% | 4,436 |
| Total domestic deposits to total assets | 95.8239% | 33 |
| Equity capital to assets | 3.9310% | 7,799 |
| Core capital (leverage) ratio | 3.6913% | 7,802 |
| Tier 1 risk-based capital ratio | 5.6854% | 7,763 |
| Total risk-based capital ratio | 6.9768% | 7,764 |
| Memoranda: | ||
| Average total assets | $279,320,000 | 2,398 |
| Average earning assets | $235,878,500 | 2,579 |
| Average equity | $11,902,500 | 4,741 |
| Average total loans | $187,130,500 | 2,409 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2329% | 5,498 |
| Cost of funding earning assets | 1.1934% | 6,679 |
| Net interest margin | 4.0395% | 2,696 |
| Noninterest income to average assets | 1.9162% | 402 |
| Noninterest expense to average assets | 5.4805% | 397 |
| Loan and lease loss provision to assets | 6.9057% | 67 |
| Net operating income to assets | -6.8362% | 7,885 |
| Return on assets (ROA) | -6.8178% | 7,879 |
| Pretax return on assets | -6.9287% | 7,865 |
| Return on Equity (ROE) | -80.8691% | 7,869 |
| Retained earnings to average equity (ytd only) | -91.6519% | 7,906 |
| Net charge-offs to loans | 7.4066% | 100 |
| Credit loss provision to net charge-offs | 111.9604% | 4,898 |
| Earnings coverage of net charge-offs (x) | -0.0068% | 6,211 |
| Efficiency ratio | 100.7700% | 1,069 |
| Assets per employee ($millions) | 3.5403% | 4,918 |
| Cash dividends to net income (ytd only)* | -13.3337% | 7,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6890% | 210 |
| Loan loss allowance to noncurrent loans | 28.0244% | 6,607 |
| Noncurrent assets plus other real estate owned to assets | 17.6604% | 89 |
| Noncurrent loans to loans | 16.7320% | 120 |
| Net loans and leases to total assets | 62.9749% | 4,821 |
| Net loans and leases to deposits | 66.2949% | 6,013 |
| Net loans and leases to core deposits | 90.0386% | 5,123 |
| Total domestic deposits to total assets | 94.9920% | 54 |
| Equity capital to assets | 4.5588% | 7,817 |
| Core capital (leverage) ratio | 4.6087% | 7,796 |
| Tier 1 risk-based capital ratio | 6.3735% | 7,798 |
| Total risk-based capital ratio | 7.6663% | 7,798 |
| Memoranda: | ||
| Average total assets | $286,559,800 | 2,296 |
| Average earning assets | $249,881,200 | 2,403 |
| Average equity | $24,158,800 | 2,699 |
| Average total loans | $238,638,000 | 1,966 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4199% | 4,847 |
| Cost of funding earning assets | 1.2010% | 6,882 |
| Net interest margin | 4.2189% | 1,976 |
| Noninterest income to average assets | 2.0154% | 360 |
| Noninterest expense to average assets | 5.4613% | 379 |
| Loan and lease loss provision to assets | 5.8307% | 114 |
| Net operating income to assets | -5.4826% | 7,882 |
| Return on assets (ROA) | -5.4575% | 7,881 |
| Pretax return on assets | -5.5175% | 7,869 |
| Return on Equity (ROE) | -57.8767% | 7,886 |
| Retained earnings to average equity (ytd only) | -70.8127% | 7,933 |
| Net charge-offs to loans | 5.8540% | 157 |
| Credit loss provision to net charge-offs | 113.5510% | 4,477 |
| Earnings coverage of net charge-offs (x) | 0.0561% | 5,988 |
| Efficiency ratio | 94.9910% | 1,332 |
| Assets per employee ($millions) | 3.0612% | 6,006 |
| Cash dividends to net income (ytd only)* | -22.3509% | 7,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7428% | 349 |
| Loan loss allowance to noncurrent loans | 17.5909% | 7,214 |
| Noncurrent assets plus other real estate owned to assets | 23.5706% | 25 |
| Noncurrent loans to loans | 21.2770% | 56 |
| Net loans and leases to total assets | 81.8479% | 836 |
| Net loans and leases to deposits | 89.6773% | 2,633 |
| Net loans and leases to core deposits | 127.9054% | 1,587 |
| Total domestic deposits to total assets | 91.2694% | 315 |
| Equity capital to assets | 7.9916% | 6,855 |
| Core capital (leverage) ratio | 7.6138% | 6,842 |
| Tier 1 risk-based capital ratio | 9.3172% | 7,485 |
| Total risk-based capital ratio | 10.5977% | 7,448 |
| Memoranda: | ||
| Average total assets | $284,737,500 | 2,327 |
| Average earning assets | $252,001,750 | 2,405 |
| Average equity | $26,849,500 | 2,483 |
| Average total loans | $249,758,750 | 1,919 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4642% | 4,823 |
| Cost of funding earning assets | 1.2503% | 6,958 |
| Net interest margin | 4.2139% | 1,946 |
| Noninterest income to average assets | 1.6715% | 523 |
| Noninterest expense to average assets | 5.4793% | 384 |
| Loan and lease loss provision to assets | 5.3191% | 175 |
| Net operating income to assets | -5.3291% | 7,963 |
| Return on assets (ROA) | -5.2923% | 7,951 |
| Pretax return on assets | -5.3288% | 7,901 |
| Return on Equity (ROE) | -53.6289% | 7,939 |
| Retained earnings to average equity (ytd only) | -71.7793% | 8,020 |
| Net charge-offs to loans | 6.2215% | 163 |
| Credit loss provision to net charge-offs | 96.5672% | 4,723 |
| Earnings coverage of net charge-offs (x) | -0.0085% | 5,697 |
| Efficiency ratio | 100.8607% | 1,135 |
| Assets per employee ($millions) | 3.0934% | 5,888 |
| Cash dividends to net income (ytd only)* | -33.8444% | 7,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7054% | 745 |
| Loan loss allowance to noncurrent loans | 14.5823% | 7,372 |
| Noncurrent assets plus other real estate owned to assets | 21.2870% | 36 |
| Noncurrent loans to loans | 18.5524% | 67 |
| Net loans and leases to total assets | 86.7408% | 321 |
| Net loans and leases to deposits | 96.2431% | 1,759 |
| Net loans and leases to core deposits | 126.0189% | 1,871 |
| Total domestic deposits to total assets | 90.1268% | 776 |
| Equity capital to assets | 9.0758% | 5,208 |
| Core capital (leverage) ratio | 8.6925% | 5,101 |
| Tier 1 risk-based capital ratio | 10.1777% | 6,737 |
| Total risk-based capital ratio | 11.4459% | 6,647 |
| Memoranda: | ||
| Average total assets | $290,874,000 | 2,311 |
| Average earning assets | $259,616,670 | 2,355 |
| Average equity | $28,704,670 | 2,357 |
| Average total loans | $257,525,000 | 1,902 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7986% | 3,312 |
| Cost of funding earning assets | 1.4406% | 6,611 |
| Net interest margin | 4.3580% | 1,448 |
| Noninterest income to average assets | 1.6842% | 482 |
| Noninterest expense to average assets | 5.2951% | 402 |
| Loan and lease loss provision to assets | 8.5061% | 61 |
| Net operating income to assets | -8.1749% | 8,151 |
| Return on assets (ROA) | -8.1749% | 8,140 |
| Pretax return on assets | -8.2314% | 8,122 |
| Return on Equity (ROE) | -79.8343% | 8,120 |
| Retained earnings to average equity (ytd only) | -114.0847% | 8,159 |
| Net charge-offs to loans | 6.7968% | 128 |
| Credit loss provision to net charge-offs | 141.8182% | 2,885 |
| Earnings coverage of net charge-offs (x) | 0.0458% | 4,938 |
| Efficiency ratio | 95.0689% | 1,378 |
| Assets per employee ($millions) | 3.1216% | 5,835 |
| Cash dividends to net income (ytd only)* | -42.9018% | 8,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4774% | 328 |
| Loan loss allowance to noncurrent loans | 24.2881% | 6,952 |
| Noncurrent assets plus other real estate owned to assets | 17.2294% | 54 |
| Noncurrent loans to loans | 14.3173% | 111 |
| Net loans and leases to total assets | 83.7459% | 730 |
| Net loans and leases to deposits | 92.2709% | 2,552 |
| Net loans and leases to core deposits | 109.3784% | 3,512 |
| Total domestic deposits to total assets | 90.7609% | 491 |
| Equity capital to assets | 8.8935% | 5,488 |
| Core capital (leverage) ratio | 8.4273% | 5,666 |
| Tier 1 risk-based capital ratio | 10.2262% | 6,684 |
| Total risk-based capital ratio | 11.5077% | 6,561 |
| Memoranda: | ||
| Average total assets | $297,106,000 | 2,291 |
| Average earning assets | $264,890,500 | 2,325 |
| Average equity | $30,423,000 | 2,239 |
| Average total loans | $262,182,500 | 1,890 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9264% | 1,325 |
| Cost of funding earning assets | 2.7230% | 3,046 |
| Net interest margin | 4.2035% | 2,299 |
| Noninterest income to average assets | 9.8461% | 77 |
| Noninterest expense to average assets | 6.8421% | 295 |
| Loan and lease loss provision to assets | 3.6845% | 199 |
| Net operating income to assets | 1.3900% | 1,253 |
| Return on assets (ROA) | 1.3900% | 1,201 |
| Pretax return on assets | 2.2945% | 318 |
| Return on Equity (ROE) | 15.5481% | 843 |
| Retained earnings to average equity (ytd only) | 11.0829% | 316 |
| Net charge-offs to loans | 4.0384% | 159 |
| Credit loss provision to net charge-offs | 129.7130% | 4,103 |
| Earnings coverage of net charge-offs (x) | 2.1049% | 5,018 |
| Efficiency ratio | 53.3662% | 7,342 |
| Assets per employee ($millions) | 3.1332% | 5,673 |
| Cash dividends to net income (ytd only)* | 28.7184% | 4,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5910% | 616 |
| Loan loss allowance to noncurrent loans | 23.4210% | 7,074 |
| Noncurrent assets plus other real estate owned to assets | 13.4625% | 76 |
| Noncurrent loans to loans | 11.0628% | 168 |
| Net loans and leases to total assets | 87.3677% | 430 |
| Net loans and leases to deposits | 102.7322% | 1,502 |
| Net loans and leases to core deposits | 115.0591% | 3,232 |
| Total domestic deposits to total assets | 85.0441% | 2,821 |
| Equity capital to assets | 11.5531% | 2,602 |
| Core capital (leverage) ratio | 10.7072% | 2,814 |
| Tier 1 risk-based capital ratio | 12.4780% | 4,455 |
| Total risk-based capital ratio | 13.7474% | 4,340 |
| Memoranda: | ||
| Average total assets | $370,501,600 | 1,816 |
| Average earning assets | $262,212,400 | 2,276 |
| Average equity | $33,123,000 | 2,044 |
| Average total loans | $260,598,200 | 1,830 |