Home > Professional Business Bank > Performance and Condition Ratios
Professional Business 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 | 4.8611% | 2,393 |
| Cost of funding earning assets | 0.2311% | 7,051 |
| Net interest margin | 4.6300% | 778 |
| Noninterest income to average assets | 0.6513% | 2,922 |
| Noninterest expense to average assets | 7.4302% | 128 |
| Loan and lease loss provision to assets | -0.7076% | 7,276 |
| Net operating income to assets | -1.8362% | 7,138 |
| Return on assets (ROA) | -0.9360% | 7,003 |
| Pretax return on assets | -0.9360% | 6,962 |
| Return on Equity (ROE) | -6.4111% | 6,902 |
| Retained earnings to average equity (ytd only) | -6.4111% | 6,685 |
| Net charge-offs to loans | 0.0667% | 3,822 |
| Credit loss provision to net charge-offs | -1,482.1429% | 5,988 |
| Earnings coverage of net charge-offs (x) | -53.2857% | 4,715 |
| Efficiency ratio | 149.3371% | 108 |
| Assets per employee ($millions) | 4.7958% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 5,735 |
| Loan loss allowance to noncurrent loans | 22.4545% | 6,473 |
| Noncurrent assets plus other real estate owned to assets | 5.2546% | 969 |
| Noncurrent loans to loans | 5.0926% | 1,093 |
| Net loans and leases to total assets | 71.8031% | 1,437 |
| Net loans and leases to deposits | 85.7620% | 1,446 |
| Net loans and leases to core deposits | 98.3477% | 1,106 |
| Total domestic deposits to total assets | 83.7236% | 4,624 |
| Equity capital to assets | 14.7090% | 805 |
| Core capital (leverage) ratio | 13.9141% | 825 |
| Tier 1 risk-based capital ratio | 17.7310% | 2,389 |
| Total risk-based capital ratio | 18.9817% | 2,365 |
| Memoranda: | ||
| Average total assets | $234,609,500 | 2,721 |
| Average earning assets | $214,602,000 | 2,715 |
| Average equity | $34,253,000 | 2,020 |
| Average total loans | $167,969,000 | 2,385 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4245% | 201 |
| Cost of funding earning assets | 0.3231% | 7,068 |
| Net interest margin | 6.1015% | 84 |
| Noninterest income to average assets | 0.8345% | 1,909 |
| Noninterest expense to average assets | 5.4207% | 273 |
| Loan and lease loss provision to assets | 1.0046% | 941 |
| Net operating income to assets | -0.0795% | 6,144 |
| Return on assets (ROA) | -0.0795% | 6,222 |
| Pretax return on assets | -0.0048% | 6,134 |
| Return on Equity (ROE) | -0.6230% | 6,214 |
| Retained earnings to average equity (ytd only) | -0.6230% | 5,950 |
| Net charge-offs to loans | 0.8635% | 2,008 |
| Credit loss provision to net charge-offs | 176.4286% | 1,490 |
| Earnings coverage of net charge-offs (x) | 1.7558% | 4,463 |
| Efficiency ratio | 81.7046% | 2,060 |
| Assets per employee ($millions) | 4.7804% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3957% | 4,482 |
| Loan loss allowance to noncurrent loans | 34.4298% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 4.3599% | 1,274 |
| Noncurrent loans to loans | 4.0537% | 1,539 |
| Net loans and leases to total assets | 69.6097% | 2,111 |
| Net loans and leases to deposits | 82.7141% | 2,104 |
| Net loans and leases to core deposits | 94.2749% | 1,666 |
| Total domestic deposits to total assets | 84.1570% | 4,256 |
| Equity capital to assets | 14.4950% | 900 |
| Core capital (leverage) ratio | 13.3378% | 1,025 |
| Tier 1 risk-based capital ratio | 17.9648% | 2,199 |
| Total risk-based capital ratio | 19.2183% | 2,176 |
| Memoranda: | ||
| Average total assets | $270,460,800 | 2,337 |
| Average earning assets | $247,612,800 | 2,325 |
| Average equity | $34,508,400 | 1,943 |
| Average total loans | $178,349,600 | 2,273 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4693% | 203 |
| Cost of funding earning assets | 0.3447% | 7,135 |
| Net interest margin | 6.1246% | 82 |
| Noninterest income to average assets | 0.4024% | 4,650 |
| Noninterest expense to average assets | 5.5220% | 256 |
| Loan and lease loss provision to assets | 0.7291% | 1,314 |
| Net operating income to assets | -0.2367% | 6,428 |
| Return on assets (ROA) | -0.2367% | 6,501 |
| Pretax return on assets | -0.2400% | 6,445 |
| Return on Equity (ROE) | -1.9106% | 6,473 |
| Retained earnings to average equity (ytd only) | -1.9106% | 6,285 |
| Net charge-offs to loans | 0.1011% | 4,980 |
| Credit loss provision to net charge-offs | 1,110.9489% | 241 |
| Earnings coverage of net charge-offs (x) | 7.4526% | 2,361 |
| Efficiency ratio | 88.7074% | 1,271 |
| Assets per employee ($millions) | 4.9881% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5969% | 3,685 |
| Loan loss allowance to noncurrent loans | 23.1967% | 6,569 |
| Noncurrent assets plus other real estate owned to assets | 4.6434% | 1,281 |
| Noncurrent loans to loans | 6.8841% | 732 |
| Net loans and leases to total assets | 63.3253% | 3,449 |
| Net loans and leases to deposits | 74.4666% | 3,592 |
| Net loans and leases to core deposits | 84.5650% | 2,972 |
| Total domestic deposits to total assets | 85.0385% | 3,753 |
| Equity capital to assets | 13.7499% | 1,266 |
| Core capital (leverage) ratio | 12.7101% | 1,342 |
| Tier 1 risk-based capital ratio | 18.0666% | 2,227 |
| Total risk-based capital ratio | 19.3230% | 2,187 |
| Memoranda: | ||
| Average total assets | $278,321,000 | 2,288 |
| Average earning assets | $254,878,750 | 2,283 |
| Average equity | $34,474,000 | 1,949 |
| Average total loans | $180,753,000 | 2,255 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7091% | 163 |
| Cost of funding earning assets | 0.3755% | 7,184 |
| Net interest margin | 6.3336% | 74 |
| Noninterest income to average assets | 0.3577% | 5,028 |
| Noninterest expense to average assets | 5.7842% | 223 |
| Loan and lease loss provision to assets | 0.0396% | 5,815 |
| Net operating income to assets | 0.3285% | 5,258 |
| Return on assets (ROA) | 0.3285% | 5,391 |
| Pretax return on assets | 0.3098% | 5,650 |
| Return on Equity (ROE) | 2.7393% | 5,508 |
| Retained earnings to average equity (ytd only) | 2.7393% | 4,544 |
| Net charge-offs to loans | -0.1792% | 7,276 |
| Credit loss provision to net charge-offs | -33.9286% | 6,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7032% | 1,194 |
| Assets per employee ($millions) | 5.0613% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7929% | 6,883 |
| Loan loss allowance to noncurrent loans | 10.6554% | 6,934 |
| Noncurrent assets plus other real estate owned to assets | 5.3071% | 1,138 |
| Noncurrent loans to loans | 7.4410% | 646 |
| Net loans and leases to total assets | 68.0099% | 2,611 |
| Net loans and leases to deposits | 79.9590% | 2,808 |
| Net loans and leases to core deposits | 90.7784% | 2,284 |
| Total domestic deposits to total assets | 85.0560% | 3,853 |
| Equity capital to assets | 13.6198% | 1,237 |
| Core capital (leverage) ratio | 11.7291% | 1,764 |
| Tier 1 risk-based capital ratio | 16.8270% | 2,599 |
| Total risk-based capital ratio | 17.9010% | 2,628 |
| Memoranda: | ||
| Average total assets | $287,959,330 | 2,228 |
| Average earning assets | $262,597,670 | 2,233 |
| Average equity | $34,534,330 | 1,929 |
| Average total loans | $187,504,000 | 2,199 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8807% | 3,688 |
| Cost of funding earning assets | 0.3796% | 7,269 |
| Net interest margin | 4.5012% | 1,071 |
| Noninterest income to average assets | 0.3685% | 4,964 |
| Noninterest expense to average assets | 4.9155% | 395 |
| Loan and lease loss provision to assets | 0.3064% | 2,717 |
| Net operating income to assets | -0.7501% | 6,938 |
| Return on assets (ROA) | -0.7501% | 6,944 |
| Pretax return on assets | -0.7501% | 6,891 |
| Return on Equity (ROE) | -6.6387% | 6,899 |
| Retained earnings to average equity (ytd only) | -6.6387% | 6,645 |
| Net charge-offs to loans | 0.0083% | 4,995 |
| Credit loss provision to net charge-offs | 5,800.0000% | 61 |
| Earnings coverage of net charge-offs (x) | -84.0000% | 5,099 |
| Efficiency ratio | 107.4719% | 549 |
| Assets per employee ($millions) | 5.0535% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7497% | 7,003 |
| Loan loss allowance to noncurrent loans | 10.6733% | 7,002 |
| Noncurrent assets plus other real estate owned to assets | 4.6758% | 1,371 |
| Noncurrent loans to loans | 7.0237% | 784 |
| Net loans and leases to total assets | 63.5081% | 3,539 |
| Net loans and leases to deposits | 73.0392% | 3,915 |
| Net loans and leases to core deposits | 83.1635% | 3,287 |
| Total domestic deposits to total assets | 86.9507% | 2,970 |
| Equity capital to assets | 11.5942% | 2,199 |
| Core capital (leverage) ratio | 10.7137% | 2,427 |
| Tier 1 risk-based capital ratio | 15.4614% | 3,175 |
| Total risk-based capital ratio | 16.2631% | 3,377 |
| Memoranda: | ||
| Average total assets | $302,877,000 | 2,143 |
| Average earning assets | $276,107,000 | 2,147 |
| Average equity | $34,223,500 | 1,936 |
| Average total loans | $192,779,500 | 2,176 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1255% | 7,557 |
| Cost of funding earning assets | 0.6310% | 7,061 |
| Net interest margin | 1.4945% | 7,547 |
| Noninterest income to average assets | 3.4715% | 200 |
| Noninterest expense to average assets | 3.9810% | 1,186 |
| Loan and lease loss provision to assets | 0.8360% | 1,968 |
| Net operating income to assets | 0.0092% | 5,814 |
| Return on assets (ROA) | 0.0092% | 5,945 |
| Pretax return on assets | 0.0102% | 5,880 |
| Return on Equity (ROE) | 0.0549% | 5,954 |
| Retained earnings to average equity (ytd only) | 0.0549% | 5,557 |
| Net charge-offs to loans | -0.0338% | 7,411 |
| Credit loss provision to net charge-offs | -4,520.0000% | 7,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4713% | 2,103 |
| Assets per employee ($millions) | 5.5831% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5949% | 7,270 |
| Loan loss allowance to noncurrent loans | 11.9461% | 7,065 |
| Noncurrent assets plus other real estate owned to assets | 3.1540% | 2,241 |
| Noncurrent loans to loans | 4.9801% | 1,354 |
| Net loans and leases to total assets | 62.9555% | 4,080 |
| Net loans and leases to deposits | 71.5533% | 4,597 |
| Net loans and leases to core deposits | 80.8182% | 4,092 |
| Total domestic deposits to total assets | 87.9840% | 2,258 |
| Equity capital to assets | 11.0232% | 2,660 |
| Core capital (leverage) ratio | 49.5373% | 47 |
| Tier 1 risk-based capital ratio | 14.9639% | 3,273 |
| Total risk-based capital ratio | 15.6223% | 3,586 |
| Memoranda: | ||
| Average total assets | $108,138,800 | 4,767 |
| Average earning assets | $98,095,400 | 4,769 |
| Average equity | $18,222,400 | 3,394 |
| Average total loans | $59,225,600 | 5,105 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7376% | 7,432 |
| Cost of funding earning assets | 1.2195% | 4,746 |
| Net interest margin | 2.5180% | 7,365 |
| Noninterest income to average assets | 0.0468% | 7,289 |
| Noninterest expense to average assets | 6.6419% | 169 |
| Loan and lease loss provision to assets | 2.1071% | 547 |
| Net operating income to assets | -6.3916% | 7,703 |
| Return on assets (ROA) | -6.3916% | 7,705 |
| Pretax return on assets | -6.3893% | 7,698 |
| Return on Equity (ROE) | -25.7302% | 7,325 |
| Retained earnings to average equity (ytd only) | -25.7302% | 7,316 |
| Net charge-offs to loans | -0.1087% | 7,565 |
| Credit loss provision to net charge-offs | -4,505.0000% | 7,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 281.4668% | 34 |
| Assets per employee ($millions) | 4.9080% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6404% | 486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 48.7462% | 6,455 |
| Net loans and leases to deposits | 62.4388% | 6,068 |
| Net loans and leases to core deposits | 65.3362% | 6,176 |
| Total domestic deposits to total assets | 78.0703% | 6,242 |
| Equity capital to assets | 20.5473% | 257 |
| Core capital (leverage) ratio | 20.5446% | 228 |
| Tier 1 risk-based capital ratio | 31.3508% | 458 |
| Total risk-based capital ratio | 32.6224% | 450 |
| Memoranda: | ||
| Average total assets | $57,010,750 | 6,386 |
| Average earning assets | $52,367,750 | 6,355 |
| Average equity | $14,162,000 | 4,171 |
| Average total loans | $24,529,750 | 6,790 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4350% | 7,628 |
| Cost of funding earning assets | 1.2578% | 4,778 |
| Net interest margin | 2.1772% | 7,593 |
| Noninterest income to average assets | 0.0475% | 7,343 |
| Noninterest expense to average assets | 7.5074% | 134 |
| Loan and lease loss provision to assets | 3.1929% | 298 |
| Net operating income to assets | -8.6581% | 7,797 |
| Return on assets (ROA) | -8.6581% | 7,795 |
| Pretax return on assets | -8.6545% | 7,795 |
| Return on Equity (ROE) | -32.6611% | 7,463 |
| Retained earnings to average equity (ytd only) | -32.6611% | 7,453 |
| Net charge-offs to loans | -0.1823% | 7,634 |
| Credit loss provision to net charge-offs | -4,370.0000% | 7,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 366.9643% | 26 |
| Assets per employee ($millions) | 3.5104% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0045% | 375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 46.1149% | 6,773 |
| Net loans and leases to deposits | 60.6943% | 6,339 |
| Net loans and leases to core deposits | 63.7849% | 6,417 |
| Total domestic deposits to total assets | 75.9790% | 6,700 |
| Equity capital to assets | 22.5598% | 180 |
| Core capital (leverage) ratio | 22.9433% | 156 |
| Tier 1 risk-based capital ratio | 35.0149% | 348 |
| Total risk-based capital ratio | 36.2884% | 342 |
| Memoranda: | ||
| Average total assets | $54,746,330 | 6,499 |
| Average earning assets | $50,247,000 | 6,469 |
| Average equity | $14,512,670 | 4,084 |
| Average total loans | $21,947,330 | 6,964 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3642% | 7,743 |
| Cost of funding earning assets | 1.3139% | 4,730 |
| Net interest margin | 2.0503% | 7,709 |
| Noninterest income to average assets | 0.0536% | 7,447 |
| Noninterest expense to average assets | 7.5821% | 134 |
| Loan and lease loss provision to assets | 5.9065% | 120 |
| Net operating income to assets | -11.5606% | 7,910 |
| Return on assets (ROA) | -11.5606% | 7,911 |
| Pretax return on assets | -11.5606% | 7,907 |
| Return on Equity (ROE) | -40.1929% | 7,651 |
| Retained earnings to average equity (ytd only) | -40.1929% | 7,634 |
| Net charge-offs to loans | -0.4304% | 7,784 |
| Credit loss provision to net charge-offs | -3,860.0000% | 6,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 393.2540% | 24 |
| Assets per employee ($millions) | 2.9342% | 6,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1522% | 159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 32.8136% | 7,541 |
| Net loans and leases to deposits | 44.0752% | 7,400 |
| Net loans and leases to core deposits | 46.4045% | 7,419 |
| Total domestic deposits to total assets | 74.4492% | 6,984 |
| Equity capital to assets | 24.3512% | 157 |
| Core capital (leverage) ratio | 25.9129% | 123 |
| Tier 1 risk-based capital ratio | 49.1112% | 162 |
| Total risk-based capital ratio | 50.3893% | 160 |
| Memoranda: | ||
| Average total assets | $52,281,000 | 6,655 |
| Average earning assets | $47,797,000 | 6,636 |
| Average equity | $15,037,500 | 4,006 |
| Average total loans | $18,587,000 | 7,234 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9109% | 7,929 |
| Cost of funding earning assets | 0.6613% | 7,729 |
| Net interest margin | 1.2496% | 7,902 |
| Noninterest income to average assets | 0.0444% | 7,524 |
| Noninterest expense to average assets | 15.5397% | 59 |
| Loan and lease loss provision to assets | 0.8686% | 2,574 |
| Net operating income to assets | -15.2893% | 7,998 |
| Return on assets (ROA) | -15.2512% | 7,998 |
| Pretax return on assets | -15.2417% | 7,999 |
| Return on Equity (ROE) | -28.6514% | 7,381 |
| Retained earnings to average equity (ytd only) | -28.6514% | 7,362 |
| Net charge-offs to loans | 0.2704% | 4,929 |
| Credit loss provision to net charge-offs | 1,370.0000% | 218 |
| Earnings coverage of net charge-offs (x) | -227.3000% | 7,233 |
| Efficiency ratio | 1,376.9663% | 9 |
| Assets per employee ($millions) | 2.6988% | 6,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5055% | 3,694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 36.2214% | 7,511 |
| Net loans and leases to deposits | 56.2674% | 6,902 |
| Net loans and leases to core deposits | 79.7562% | 6,126 |
| Total domestic deposits to total assets | 64.3737% | 7,700 |
| Equity capital to assets | 34.4057% | 82 |
| Core capital (leverage) ratio | 43.3980% | 58 |
| Tier 1 risk-based capital ratio | 62.3121% | 107 |
| Total risk-based capital ratio | 63.4634% | 106 |
| Memoranda: | ||
| Average total assets | $31,545,000 | 7,424 |
| Average earning assets | $27,369,000 | 7,448 |
| Average equity | $16,791,500 | 3,714 |
| Average total loans | $7,396,000 | 7,809 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4837% | 8,048 |
| Cost of funding earning assets | 0.6367% | 7,867 |
| Net interest margin | 0.8470% | 8,031 |
| Noninterest income to average assets | 0.0399% | 7,692 |
| Noninterest expense to average assets | 20.7613% | 51 |
| Loan and lease loss provision to assets | 0.7621% | 2,464 |
| Net operating income to assets | -20.7763% | 8,087 |
| Return on assets (ROA) | -20.7165% | 8,086 |
| Pretax return on assets | -20.7016% | 8,087 |
| Return on Equity (ROE) | -32.3769% | 7,653 |
| Retained earnings to average equity (ytd only) | -32.3769% | 7,640 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,724.1830% | 5 |
| Assets per employee ($millions) | 2.1756% | 7,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 3,379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 30.5571% | 7,791 |
| Net loans and leases to deposits | 63.4270% | 6,546 |
| Net loans and leases to core deposits | 81.9190% | 6,198 |
| Total domestic deposits to total assets | 48.1767% | 7,987 |
| Equity capital to assets | 50.3401% | 51 |
| Core capital (leverage) ratio | 54.3831% | 47 |
| Tier 1 risk-based capital ratio | 105.0795% | 60 |
| Total risk-based capital ratio | 106.1378% | 60 |
| Memoranda: | ||
| Average total assets | $26,767,000 | 7,658 |
| Average earning assets | $22,825,670 | 7,697 |
| Average equity | $17,127,000 | 3,673 |
| Average total loans | $4,237,330 | 7,988 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9213% | 8,160 |
| Cost of funding earning assets | 0.6439% | 7,963 |
| Net interest margin | 0.2774% | 8,157 |
| Noninterest income to average assets | 0.0923% | 7,514 |
| Noninterest expense to average assets | 28.7578% | 45 |
| Loan and lease loss provision to assets | 0.3273% | 3,978 |
| Net operating income to assets | -28.7830% | 8,184 |
| Return on assets (ROA) | -28.6823% | 8,183 |
| Pretax return on assets | -28.6571% | 8,183 |
| Return on Equity (ROE) | -39.1154% | 7,837 |
| Retained earnings to average equity (ytd only) | -39.1154% | 7,820 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8,787.1795% | 2 |
| Assets per employee ($millions) | 1.7558% | 7,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 3,145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 9.0702% | 8,108 |
| Net loans and leases to deposits | 24.2021% | 8,047 |
| Net loans and leases to core deposits | 31.4258% | 8,024 |
| Total domestic deposits to total assets | 37.4769% | 8,107 |
| Equity capital to assets | 60.9960% | 46 |
| Core capital (leverage) ratio | 75.5966% | 32 |
| Tier 1 risk-based capital ratio | 201.5078% | 36 |
| Total risk-based capital ratio | 201.9673% | 36 |
| Memoranda: | ||
| Average total assets | $23,833,500 | 7,823 |
| Average earning assets | $20,188,500 | 7,853 |
| Average equity | $17,476,500 | 3,622 |
| Average total loans | $1,293,500 | 8,129 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0974% | 8,215 |
| Cost of funding earning assets | 0.9602% | 7,734 |
| Net interest margin | 0.1372% | 8,228 |
| Noninterest income to average assets | 0.0409% | 7,880 |
| Noninterest expense to average assets | 55.3155% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -55.1928% | 8,244 |
| Return on assets (ROA) | -54.9476% | 8,244 |
| Pretax return on assets | -54.9068% | 8,244 |
| Return on Equity (ROE) | -60.3659% | 8,088 |
| Retained earnings to average equity (ytd only) | -60.3659% | 8,072 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33,837.5000% | 1 |
| Assets per employee ($millions) | 1.7795% | 8,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 7.5453% | 8,217 |
| Equity capital to assets | 91.0243% | 9 |
| Core capital (leverage) ratio | 90.9913% | 11 |
| Tier 1 risk-based capital ratio | 384.4013% | 14 |
| Total risk-based capital ratio | 384.4013% | 14 |
| Memoranda: | ||
| Average total assets | $19,575,000 | 7,991 |
| Average earning assets | $17,496,000 | 7,978 |
| Average equity | $17,818,000 | 3,590 |
| Average total loans | NA | NA |