Home > RomAsia Bank > Performance and Condition Ratios
RomAsia Bank, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8527% | 4,659 |
| Cost of funding earning assets | 0.9818% | 543 |
| Net interest margin | 2.8709% | 5,876 |
| Noninterest income to average assets | 0.2956% | 5,332 |
| Noninterest expense to average assets | 2.7120% | 3,976 |
| Loan and lease loss provision to assets | 0.1621% | 2,232 |
| Net operating income to assets | 0.0751% | 6,181 |
| Return on assets (ROA) | 0.0751% | 6,237 |
| Pretax return on assets | 0.1686% | 6,099 |
| Return on Equity (ROE) | 0.6652% | 6,234 |
| Retained earnings to average equity (ytd only) | 0.6652% | 5,700 |
| Net charge-offs to loans | 0.2942% | 2,065 |
| Credit loss provision to net charge-offs | 112.9032% | 2,080 |
| Earnings coverage of net charge-offs (x) | 2.3033% | 4,073 |
| Efficiency ratio | 88.6419% | 1,115 |
| Assets per employee ($millions) | 7.4086% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 4,990 |
| Loan loss allowance to noncurrent loans | 75.1640% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 0.8001% | 4,103 |
| Noncurrent loans to loans | 1.5629% | 2,816 |
| Net loans and leases to total assets | 50.5920% | 5,062 |
| Net loans and leases to deposits | 65.4003% | 4,368 |
| Net loans and leases to core deposits | 68.5181% | 4,482 |
| Total domestic deposits to total assets | 77.3574% | 5,996 |
| Equity capital to assets | 12.0610% | 1,879 |
| Core capital (leverage) ratio | 11.5179% | 2,028 |
| Tier 1 risk-based capital ratio | 21.4049% | 1,418 |
| Total risk-based capital ratio | 22.5407% | 1,402 |
| Memoranda: | ||
| Average total assets | $143,901,250 | 3,842 |
| Average earning assets | $137,700,000 | 3,740 |
| Average equity | $16,235,000 | 3,705 |
| Average total loans | $70,256,250 | 4,294 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8609% | 4,615 |
| Cost of funding earning assets | 0.9900% | 566 |
| Net interest margin | 2.8709% | 5,848 |
| Noninterest income to average assets | 0.3894% | 4,598 |
| Noninterest expense to average assets | 2.8165% | 3,620 |
| Loan and lease loss provision to assets | 0.0882% | 3,316 |
| Net operating income to assets | 0.1334% | 6,057 |
| Return on assets (ROA) | 0.1343% | 6,161 |
| Pretax return on assets | 0.2361% | 6,022 |
| Return on Equity (ROE) | 1.2158% | 6,166 |
| Retained earnings to average equity (ytd only) | 1.2158% | 5,415 |
| Net charge-offs to loans | 0.0508% | 3,960 |
| Credit loss provision to net charge-offs | 361.1111% | 722 |
| Earnings coverage of net charge-offs (x) | 13.2222% | 1,916 |
| Efficiency ratio | 89.2394% | 1,109 |
| Assets per employee ($millions) | 6.4191% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 5,066 |
| Loan loss allowance to noncurrent loans | 68.8538% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 0.8526% | 4,112 |
| Noncurrent loans to loans | 1.7222% | 2,731 |
| Net loans and leases to total assets | 48.9177% | 5,231 |
| Net loans and leases to deposits | 62.4510% | 4,681 |
| Net loans and leases to core deposits | 65.8501% | 4,705 |
| Total domestic deposits to total assets | 78.3297% | 5,917 |
| Equity capital to assets | 11.4183% | 2,363 |
| Core capital (leverage) ratio | 10.8787% | 2,471 |
| Tier 1 risk-based capital ratio | 20.3827% | 1,635 |
| Total risk-based capital ratio | 21.4996% | 1,641 |
| Memoranda: | ||
| Average total assets | $147,416,670 | 3,814 |
| Average earning assets | $141,209,670 | 3,710 |
| Average equity | $16,285,330 | 3,721 |
| Average total loans | $70,918,670 | 4,281 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8669% | 4,595 |
| Cost of funding earning assets | 1.0138% | 571 |
| Net interest margin | 2.8531% | 5,905 |
| Noninterest income to average assets | 0.3853% | 4,575 |
| Noninterest expense to average assets | 2.6496% | 4,243 |
| Loan and lease loss provision to assets | 0.0106% | 4,317 |
| Net operating income to assets | 0.2641% | 5,685 |
| Return on assets (ROA) | 0.2658% | 5,800 |
| Pretax return on assets | 0.4651% | 5,379 |
| Return on Equity (ROE) | 2.4442% | 5,797 |
| Retained earnings to average equity (ytd only) | 2.4442% | 4,802 |
| Net charge-offs to loans | 0.1008% | 2,846 |
| Credit loss provision to net charge-offs | 22.2222% | 3,005 |
| Earnings coverage of net charge-offs (x) | 9.8889% | 1,794 |
| Efficiency ratio | 84.4255% | 1,711 |
| Assets per employee ($millions) | 5.0231% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 5,707 |
| Loan loss allowance to noncurrent loans | 63.7874% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 0.8265% | 4,310 |
| Noncurrent loans to loans | 1.6797% | 3,026 |
| Net loans and leases to total assets | 48.6789% | 5,157 |
| Net loans and leases to deposits | 61.8561% | 4,566 |
| Net loans and leases to core deposits | 65.2556% | 4,624 |
| Total domestic deposits to total assets | 78.6969% | 6,014 |
| Equity capital to assets | 11.2584% | 2,669 |
| Core capital (leverage) ratio | 10.6730% | 2,572 |
| Tier 1 risk-based capital ratio | 20.0679% | 1,748 |
| Total risk-based capital ratio | 21.0762% | 1,783 |
| Memoranda: | ||
| Average total assets | $150,514,500 | 3,795 |
| Average earning assets | $144,405,000 | 3,689 |
| Average equity | $16,365,500 | 3,758 |
| Average total loans | $71,422,500 | 4,296 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0086% | 5,271 |
| Cost of funding earning assets | 1.1450% | 753 |
| Net interest margin | 2.8636% | 6,290 |
| Noninterest income to average assets | 0.6825% | 2,819 |
| Noninterest expense to average assets | 2.8766% | 3,733 |
| Loan and lease loss provision to assets | 0.1705% | 3,488 |
| Net operating income to assets | 0.2062% | 5,770 |
| Return on assets (ROA) | 0.2832% | 5,742 |
| Pretax return on assets | 0.5011% | 5,276 |
| Return on Equity (ROE) | 2.5683% | 5,728 |
| Retained earnings to average equity (ytd only) | 2.5683% | 4,419 |
| Net charge-offs to loans | 0.0677% | 5,002 |
| Credit loss provision to net charge-offs | 576.7442% | 426 |
| Earnings coverage of net charge-offs (x) | 18.6512% | 1,428 |
| Efficiency ratio | 83.9182% | 1,642 |
| Assets per employee ($millions) | 5.0116% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 5,554 |
| Loan loss allowance to noncurrent loans | 94.6796% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.5323% | 5,149 |
| Noncurrent loans to loans | 1.1621% | 3,908 |
| Net loans and leases to total assets | 45.3038% | 5,690 |
| Net loans and leases to deposits | 58.2157% | 5,215 |
| Net loans and leases to core deposits | 61.7593% | 5,179 |
| Total domestic deposits to total assets | 77.8205% | 6,110 |
| Equity capital to assets | 10.5117% | 3,517 |
| Core capital (leverage) ratio | 9.9543% | 3,460 |
| Tier 1 risk-based capital ratio | 19.2109% | 1,892 |
| Total risk-based capital ratio | 20.1982% | 1,941 |
| Memoranda: | ||
| Average total assets | $145,485,400 | 3,852 |
| Average earning assets | $139,475,200 | 3,734 |
| Average equity | $16,042,000 | 3,767 |
| Average total loans | $63,498,400 | 4,583 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0187% | 5,466 |
| Cost of funding earning assets | 1.1611% | 828 |
| Net interest margin | 2.8576% | 6,424 |
| Noninterest income to average assets | 0.6442% | 3,020 |
| Noninterest expense to average assets | 2.8527% | 3,784 |
| Loan and lease loss provision to assets | 0.2172% | 2,892 |
| Net operating income to assets | 0.1686% | 5,990 |
| Return on assets (ROA) | 0.2480% | 5,982 |
| Pretax return on assets | 0.4354% | 5,634 |
| Return on Equity (ROE) | 2.2208% | 5,968 |
| Retained earnings to average equity (ytd only) | 2.2208% | 5,227 |
| Net charge-offs to loans | 0.0931% | 4,446 |
| Credit loss provision to net charge-offs | 541.8605% | 493 |
| Earnings coverage of net charge-offs (x) | 13.1865% | 1,934 |
| Efficiency ratio | 84.3672% | 1,548 |
| Assets per employee ($millions) | 4.7696% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 5,778 |
| Loan loss allowance to noncurrent loans | 92.7449% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 5,323 |
| Noncurrent loans to loans | 1.1712% | 4,107 |
| Net loans and leases to total assets | 45.7625% | 5,788 |
| Net loans and leases to deposits | 59.1374% | 5,302 |
| Net loans and leases to core deposits | 63.5536% | 5,202 |
| Total domestic deposits to total assets | 77.3834% | 6,180 |
| Equity capital to assets | 10.6285% | 3,696 |
| Core capital (leverage) ratio | 9.9959% | 3,550 |
| Tier 1 risk-based capital ratio | 19.1347% | 1,969 |
| Total risk-based capital ratio | 20.1068% | 2,023 |
| Memoranda: | ||
| Average total assets | $143,016,750 | 3,941 |
| Average earning assets | $136,988,250 | 3,812 |
| Average equity | $15,969,750 | 3,820 |
| Average total loans | $61,581,250 | 4,704 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1172% | 5,254 |
| Cost of funding earning assets | 1.1733% | 923 |
| Net interest margin | 2.9438% | 6,352 |
| Noninterest income to average assets | 0.6351% | 3,033 |
| Noninterest expense to average assets | 2.8781% | 3,711 |
| Loan and lease loss provision to assets | 0.2031% | 3,046 |
| Net operating income to assets | 0.2046% | 5,899 |
| Return on assets (ROA) | 0.2174% | 6,053 |
| Pretax return on assets | 0.3877% | 5,734 |
| Return on Equity (ROE) | 1.9137% | 6,068 |
| Retained earnings to average equity (ytd only) | 1.9137% | 5,243 |
| Net charge-offs to loans | 0.1468% | 3,735 |
| Credit loss provision to net charge-offs | 330.2326% | 900 |
| Earnings coverage of net charge-offs (x) | 9.2791% | 2,186 |
| Efficiency ratio | 83.4094% | 1,693 |
| Assets per employee ($millions) | 4.1319% | 3,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 5,773 |
| Loan loss allowance to noncurrent loans | 43.3419% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 1.0801% | 4,220 |
| Noncurrent loans to loans | 2.5373% | 2,374 |
| Net loans and leases to total assets | 42.1005% | 6,178 |
| Net loans and leases to deposits | 54.4721% | 5,820 |
| Net loans and leases to core deposits | 57.9489% | 5,778 |
| Total domestic deposits to total assets | 77.2881% | 6,284 |
| Equity capital to assets | 11.0956% | 3,017 |
| Core capital (leverage) ratio | 10.4684% | 2,837 |
| Tier 1 risk-based capital ratio | 20.5105% | 1,572 |
| Total risk-based capital ratio | 21.4342% | 1,632 |
| Memoranda: | ||
| Average total assets | $139,813,330 | 4,015 |
| Average earning assets | $133,635,670 | 3,894 |
| Average equity | $15,885,670 | 3,826 |
| Average total loans | $58,570,670 | 4,849 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 5,054 |
| Cost of funding earning assets | 1.2219% | 886 |
| Net interest margin | 2.9934% | 6,303 |
| Noninterest income to average assets | 0.5793% | 3,354 |
| Noninterest expense to average assets | 2.8324% | 3,889 |
| Loan and lease loss provision to assets | 0.1164% | 3,896 |
| Net operating income to assets | 0.2678% | 5,755 |
| Return on assets (ROA) | 0.2678% | 5,920 |
| Pretax return on assets | 0.4687% | 5,527 |
| Return on Equity (ROE) | 2.3283% | 5,970 |
| Retained earnings to average equity (ytd only) | 2.3283% | 5,099 |
| Net charge-offs to loans | 0.3014% | 2,457 |
| Credit loss provision to net charge-offs | 93.0233% | 2,494 |
| Earnings coverage of net charge-offs (x) | 4.6744% | 2,522 |
| Efficiency ratio | 82.8790% | 1,817 |
| Assets per employee ($millions) | 5.3093% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 6,166 |
| Loan loss allowance to noncurrent loans | 36.6539% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 1.1344% | 4,236 |
| Noncurrent loans to loans | 2.7944% | 2,319 |
| Net loans and leases to total assets | 40.1815% | 6,336 |
| Net loans and leases to deposits | 50.2250% | 6,121 |
| Net loans and leases to core deposits | 53.0703% | 6,122 |
| Total domestic deposits to total assets | 80.0030% | 5,854 |
| Equity capital to assets | 11.5009% | 2,442 |
| Core capital (leverage) ratio | 10.8459% | 2,393 |
| Tier 1 risk-based capital ratio | 21.0740% | 1,477 |
| Total risk-based capital ratio | 21.8860% | 1,530 |
| Memoranda: | ||
| Average total assets | $137,412,000 | 4,082 |
| Average earning assets | $130,288,500 | 3,983 |
| Average equity | $15,805,500 | 3,843 |
| Average total loans | $57,075,500 | 4,941 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3622% | 5,562 |
| Cost of funding earning assets | 1.3916% | 1,078 |
| Net interest margin | 2.9707% | 6,575 |
| Noninterest income to average assets | 0.0407% | 6,872 |
| Noninterest expense to average assets | 2.7614% | 4,502 |
| Loan and lease loss provision to assets | 0.0181% | 6,344 |
| Net operating income to assets | 0.0597% | 5,947 |
| Return on assets (ROA) | 0.1123% | 5,963 |
| Pretax return on assets | 0.1960% | 5,797 |
| Return on Equity (ROE) | 1.1174% | 5,938 |
| Retained earnings to average equity (ytd only) | 1.1174% | 5,333 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4415% | 848 |
| Assets per employee ($millions) | 5.6993% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 6,267 |
| Loan loss allowance to noncurrent loans | 30.2362% | 6,185 |
| Noncurrent assets plus other real estate owned to assets | 1.3927% | 3,908 |
| Noncurrent loans to loans | 3.2783% | 1,974 |
| Net loans and leases to total assets | 42.0622% | 6,381 |
| Net loans and leases to deposits | 52.3336% | 6,181 |
| Net loans and leases to core deposits | 55.1388% | 6,219 |
| Total domestic deposits to total assets | 80.3733% | 5,634 |
| Equity capital to assets | 11.5036% | 2,501 |
| Core capital (leverage) ratio | 10.9385% | 2,314 |
| Tier 1 risk-based capital ratio | 21.6989% | 1,283 |
| Total risk-based capital ratio | 22.5396% | 1,339 |
| Memoranda: | ||
| Average total assets | $132,685,800 | 4,112 |
| Average earning assets | $127,411,600 | 3,987 |
| Average equity | $13,335,000 | 4,273 |
| Average total loans | $52,917,400 | 5,158 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4176% | 5,551 |
| Cost of funding earning assets | 1.4420% | 1,052 |
| Net interest margin | 2.9756% | 6,625 |
| Noninterest income to average assets | 0.0152% | 7,061 |
| Noninterest expense to average assets | 2.7940% | 4,365 |
| Loan and lease loss provision to assets | 0.0172% | 6,223 |
| Net operating income to assets | 0.0345% | 6,101 |
| Return on assets (ROA) | 0.0851% | 6,113 |
| Pretax return on assets | 0.1478% | 6,005 |
| Return on Equity (ROE) | 0.8795% | 6,089 |
| Retained earnings to average equity (ytd only) | 0.8795% | 5,653 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0113% | 773 |
| Assets per employee ($millions) | 5.7814% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 6,071 |
| Loan loss allowance to noncurrent loans | 48.4255% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 0.8836% | 4,972 |
| Noncurrent loans to loans | 2.1573% | 3,168 |
| Net loans and leases to total assets | 40.5315% | 6,595 |
| Net loans and leases to deposits | 49.5595% | 6,525 |
| Net loans and leases to core deposits | 51.5125% | 6,593 |
| Total domestic deposits to total assets | 81.7835% | 5,166 |
| Equity capital to assets | 9.8569% | 4,536 |
| Core capital (leverage) ratio | 9.2756% | 4,492 |
| Tier 1 risk-based capital ratio | 17.8441% | 2,311 |
| Total risk-based capital ratio | 18.6726% | 2,446 |
| Memoranda: | ||
| Average total assets | $131,661,500 | 4,162 |
| Average earning assets | $126,762,750 | 4,020 |
| Average equity | $12,735,000 | 4,400 |
| Average total loans | $51,619,250 | 5,248 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4487% | 5,531 |
| Cost of funding earning assets | 1.4712% | 1,111 |
| Net interest margin | 2.9775% | 6,647 |
| Noninterest income to average assets | 0.0122% | 7,161 |
| Noninterest expense to average assets | 2.7922% | 4,456 |
| Loan and lease loss provision to assets | 0.0640% | 5,502 |
| Net operating income to assets | -0.0015% | 6,228 |
| Return on assets (ROA) | 0.0366% | 6,232 |
| Pretax return on assets | 0.0655% | 6,160 |
| Return on Equity (ROE) | 0.3806% | 6,218 |
| Retained earnings to average equity (ytd only) | 0.3806% | 5,691 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5506% | 810 |
| Assets per employee ($millions) | 5.6687% | 1,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 5,907 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 38.7363% | 6,822 |
| Net loans and leases to deposits | 47.0032% | 6,780 |
| Net loans and leases to core deposits | 49.3173% | 6,795 |
| Total domestic deposits to total assets | 82.4121% | 5,019 |
| Equity capital to assets | 9.4320% | 4,923 |
| Core capital (leverage) ratio | 8.8983% | 4,881 |
| Tier 1 risk-based capital ratio | 17.1039% | 2,479 |
| Total risk-based capital ratio | 17.9467% | 2,610 |
| Memoranda: | ||
| Average total assets | $131,224,330 | 4,200 |
| Average earning assets | $125,609,330 | 4,081 |
| Average equity | $12,611,000 | 4,414 |
| Average total loans | $50,670,670 | 5,330 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4393% | 5,555 |
| Cost of funding earning assets | 1.4722% | 1,285 |
| Net interest margin | 2.9671% | 6,646 |
| Noninterest income to average assets | 0.0093% | 7,273 |
| Noninterest expense to average assets | 2.7171% | 4,768 |
| Loan and lease loss provision to assets | 0.1397% | 4,263 |
| Net operating income to assets | -0.0078% | 6,363 |
| Return on assets (ROA) | 0.0279% | 6,319 |
| Pretax return on assets | 0.0435% | 6,277 |
| Return on Equity (ROE) | 0.2880% | 6,314 |
| Retained earnings to average equity (ytd only) | 0.2880% | 5,693 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5240% | 949 |
| Assets per employee ($millions) | 6.0204% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1296% | 5,928 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 39.3860% | 6,821 |
| Net loans and leases to deposits | 48.8203% | 6,702 |
| Net loans and leases to core deposits | 51.0785% | 6,726 |
| Total domestic deposits to total assets | 80.6754% | 5,760 |
| Equity capital to assets | 9.4399% | 4,516 |
| Core capital (leverage) ratio | 8.9441% | 4,701 |
| Tier 1 risk-based capital ratio | 16.9127% | 2,512 |
| Total risk-based capital ratio | 17.7669% | 2,630 |
| Memoranda: | ||
| Average total assets | $128,812,500 | 4,285 |
| Average earning assets | $123,082,500 | 4,161 |
| Average equity | $12,500,500 | 4,448 |
| Average total loans | $49,359,500 | 5,425 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4591% | 6,499 |
| Cost of funding earning assets | 1.6986% | 1,609 |
| Net interest margin | 2.7605% | 7,074 |
| Noninterest income to average assets | 0.0090% | 7,251 |
| Noninterest expense to average assets | 2.8077% | 4,576 |
| Loan and lease loss provision to assets | 0.2192% | 5,074 |
| Net operating income to assets | -0.2182% | 6,133 |
| Return on assets (ROA) | -0.1091% | 6,061 |
| Pretax return on assets | -0.1885% | 6,078 |
| Return on Equity (ROE) | -0.9483% | 6,062 |
| Retained earnings to average equity (ytd only) | -1.4577% | 5,880 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2400% | 641 |
| Assets per employee ($millions) | 5.6899% | 1,434 |
| Cash dividends to net income (ytd only)* | -53.7190% | 7,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 5,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 36.2734% | 7,148 |
| Net loans and leases to deposits | 45.8563% | 7,050 |
| Net loans and leases to core deposits | 47.2394% | 7,108 |
| Total domestic deposits to total assets | 79.1024% | 6,057 |
| Equity capital to assets | 9.9843% | 3,757 |
| Core capital (leverage) ratio | 9.4412% | 3,781 |
| Tier 1 risk-based capital ratio | 18.6107% | 1,813 |
| Total risk-based capital ratio | 19.4822% | 1,892 |
| Memoranda: | ||
| Average total assets | $110,872,400 | 4,690 |
| Average earning assets | $106,793,800 | 4,538 |
| Average equity | $12,760,200 | 4,406 |
| Average total loans | $36,184,000 | 6,108 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4538% | 6,716 |
| Cost of funding earning assets | 1.7473% | 1,638 |
| Net interest margin | 2.7065% | 7,226 |
| Noninterest income to average assets | 0.0087% | 7,416 |
| Noninterest expense to average assets | 2.8046% | 4,472 |
| Loan and lease loss provision to assets | 0.1765% | 5,273 |
| Net operating income to assets | -0.2166% | 6,343 |
| Return on assets (ROA) | -0.1354% | 6,310 |
| Pretax return on assets | -0.2336% | 6,347 |
| Return on Equity (ROE) | -1.1331% | 6,294 |
| Retained earnings to average equity (ytd only) | -1.8088% | 6,164 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0175% | 579 |
| Assets per employee ($millions) | 5.7411% | 1,432 |
| Cash dividends to net income (ytd only)* | -59.6298% | 7,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 6,074 |
| 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 | 34.4415% | 7,331 |
| Net loans and leases to deposits | 41.7751% | 7,312 |
| Net loans and leases to core deposits | 43.5815% | 7,336 |
| Total domestic deposits to total assets | 82.4450% | 4,820 |
| Equity capital to assets | 10.7486% | 3,228 |
| Core capital (leverage) ratio | 10.1487% | 3,100 |
| Tier 1 risk-based capital ratio | 19.3094% | 1,684 |
| Total risk-based capital ratio | 20.0239% | 1,768 |
| Memoranda: | ||
| Average total assets | $107,296,250 | 4,855 |
| Average earning assets | $103,549,250 | 4,684 |
| Average equity | $12,825,750 | 4,473 |
| Average total loans | $33,740,750 | 6,303 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4197% | 6,856 |
| Cost of funding earning assets | 1.7622% | 1,804 |
| Net interest margin | 2.6575% | 7,295 |
| Noninterest income to average assets | 0.0058% | 7,507 |
| Noninterest expense to average assets | 2.7723% | 4,609 |
| Loan and lease loss provision to assets | 0.1808% | 5,059 |
| Net operating income to assets | -0.2307% | 6,392 |
| Return on assets (ROA) | -0.1672% | 6,373 |
| Pretax return on assets | -0.2858% | 6,413 |
| Return on Equity (ROE) | -1.3457% | 6,360 |
| Retained earnings to average equity (ytd only) | -2.3628% | 6,201 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.9485% | 590 |
| Assets per employee ($millions) | 5.5176% | 1,605 |
| Cash dividends to net income (ytd only)* | -75.5814% | 7,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 5,768 |
| 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 | 30.1450% | 7,531 |
| Net loans and leases to deposits | 37.2862% | 7,509 |
| Net loans and leases to core deposits | 38.8001% | 7,514 |
| Total domestic deposits to total assets | 80.8475% | 5,456 |
| Equity capital to assets | 11.1504% | 2,727 |
| Core capital (leverage) ratio | 10.5570% | 2,580 |
| Tier 1 risk-based capital ratio | 19.6225% | 1,577 |
| Total risk-based capital ratio | 20.2711% | 1,677 |
| Memoranda: | ||
| Average total assets | $102,873,670 | 4,995 |
| Average earning assets | $99,192,330 | 4,834 |
| Average equity | $12,781,330 | 4,487 |
| Average total loans | $30,996,670 | 6,478 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4273% | 6,946 |
| Cost of funding earning assets | 1.8217% | 1,790 |
| Net interest margin | 2.6055% | 7,386 |
| Noninterest income to average assets | 0.0042% | 7,644 |
| Noninterest expense to average assets | 2.7600% | 4,651 |
| Loan and lease loss provision to assets | 0.1245% | 5,333 |
| Net operating income to assets | -0.2230% | 6,574 |
| Return on assets (ROA) | -0.1619% | 6,573 |
| Pretax return on assets | -0.2739% | 6,611 |
| Return on Equity (ROE) | -1.2272% | 6,550 |
| Retained earnings to average equity (ytd only) | -2.2341% | 6,246 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7360% | 606 |
| Assets per employee ($millions) | 7.8263% | 553 |
| Cash dividends to net income (ytd only)* | -82.0513% | 7,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1113% | 5,954 |
| 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 | 29.5620% | 7,636 |
| Net loans and leases to deposits | 39.1439% | 7,544 |
| Net loans and leases to core deposits | 46.1934% | 7,423 |
| Total domestic deposits to total assets | 75.5214% | 6,829 |
| Equity capital to assets | 12.5042% | 1,759 |
| Core capital (leverage) ratio | 11.9105% | 1,688 |
| Tier 1 risk-based capital ratio | 22.0699% | 1,193 |
| Total risk-based capital ratio | 22.6894% | 1,254 |
| Memoranda: | ||
| Average total assets | $96,375,500 | 5,247 |
| Average earning assets | $92,879,000 | 5,083 |
| Average equity | $12,712,000 | 4,540 |
| Average total loans | $28,830,000 | 6,667 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7017% | 7,136 |
| Cost of funding earning assets | 2.5433% | 911 |
| Net interest margin | 2.1583% | 7,669 |
| Noninterest income to average assets | 0.0067% | 7,671 |
| Noninterest expense to average assets | 3.3219% | 2,942 |
| Loan and lease loss provision to assets | 0.2252% | 5,564 |
| Net operating income to assets | -0.8903% | 6,506 |
| Return on assets (ROA) | -0.7547% | 6,402 |
| Pretax return on assets | -1.2467% | 6,570 |
| Return on Equity (ROE) | -4.2696% | 6,139 |
| Retained earnings to average equity (ytd only) | -5.2934% | 6,060 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.0501% | 256 |
| Assets per employee ($millions) | 7.0007% | 791 |
| Cash dividends to net income (ytd only)* | -23.9787% | 7,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 5,748 |
| 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 | 29.5982% | 7,722 |
| Net loans and leases to deposits | 37.4427% | 7,694 |
| Net loans and leases to core deposits | 68.4932% | 6,851 |
| Total domestic deposits to total assets | 79.0493% | 5,966 |
| Equity capital to assets | 13.9569% | 1,182 |
| Core capital (leverage) ratio | 13.3433% | 1,140 |
| Tier 1 risk-based capital ratio | 25.3379% | 814 |
| Total risk-based capital ratio | 25.9843% | 851 |
| Memoranda: | ||
| Average total assets | $74,595,400 | 5,878 |
| Average earning assets | $71,953,400 | 5,754 |
| Average equity | $13,186,200 | 4,460 |
| Average total loans | $20,230,000 | 7,176 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7038% | 7,280 |
| Cost of funding earning assets | 2.6509% | 907 |
| Net interest margin | 2.0529% | 7,792 |
| Noninterest income to average assets | 0.0076% | 7,814 |
| Noninterest expense to average assets | 3.4197% | 2,511 |
| Loan and lease loss provision to assets | 0.2875% | 4,675 |
| Net operating income to assets | -1.0123% | 6,843 |
| Return on assets (ROA) | -0.8852% | 6,756 |
| Pretax return on assets | -1.5207% | 6,974 |
| Return on Equity (ROE) | -4.6890% | 6,413 |
| Retained earnings to average equity (ytd only) | -5.7010% | 6,350 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 172.0266% | 225 |
| Assets per employee ($millions) | 7.0737% | 766 |
| Cash dividends to net income (ytd only)* | -21.5808% | 7,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 5,488 |
| 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 | 29.9915% | 7,807 |
| Net loans and leases to deposits | 38.9850% | 7,761 |
| Net loans and leases to core deposits | 77.8818% | 6,499 |
| Total domestic deposits to total assets | 76.9309% | 6,355 |
| Equity capital to assets | 15.4552% | 897 |
| Core capital (leverage) ratio | 14.4427% | 970 |
| Tier 1 risk-based capital ratio | 27.8051% | 693 |
| Total risk-based capital ratio | 28.4782% | 711 |
| Memoranda: | ||
| Average total assets | $70,492,000 | 6,025 |
| Average earning assets | $68,000,500 | 5,907 |
| Average equity | $13,307,250 | 4,459 |
| Average total loans | $18,476,250 | 7,356 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7455% | 7,327 |
| Cost of funding earning assets | 2.7566% | 890 |
| Net interest margin | 1.9889% | 7,872 |
| Noninterest income to average assets | 0.0061% | 7,925 |
| Noninterest expense to average assets | 3.7081% | 1,826 |
| Loan and lease loss provision to assets | 0.3531% | 3,808 |
| Net operating income to assets | -1.2583% | 7,141 |
| Return on assets (ROA) | -1.1843% | 7,113 |
| Pretax return on assets | -2.0306% | 7,297 |
| Return on Equity (ROE) | -5.8190% | 6,692 |
| Retained earnings to average equity (ytd only) | -6.8212% | 6,539 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 193.6407% | 213 |
| Assets per employee ($millions) | 6.0296% | 1,198 |
| Cash dividends to net income (ytd only)* | -17.2237% | 7,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 5,293 |
| 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 | 28.2796% | 7,925 |
| Net loans and leases to deposits | 37.7433% | 7,866 |
| Net loans and leases to core deposits | 43.8916% | 7,873 |
| Total domestic deposits to total assets | 74.9263% | 6,777 |
| Equity capital to assets | 16.7341% | 704 |
| Core capital (leverage) ratio | 15.7332% | 781 |
| Tier 1 risk-based capital ratio | 30.8754% | 546 |
| Total risk-based capital ratio | 31.5264% | 575 |
| Memoranda: | ||
| Average total assets | $65,694,670 | 6,242 |
| Average earning assets | $63,049,000 | 6,112 |
| Average equity | $13,370,000 | 4,452 |
| Average total loans | $16,051,330 | 7,532 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7080% | 7,498 |
| Cost of funding earning assets | 2.8022% | 977 |
| Net interest margin | 1.9058% | 7,943 |
| Noninterest income to average assets | 0.0067% | 8,028 |
| Noninterest expense to average assets | 3.7271% | 1,600 |
| Loan and lease loss provision to assets | 0.2696% | 3,806 |
| Net operating income to assets | -1.3253% | 7,428 |
| Return on assets (ROA) | -1.3210% | 7,437 |
| Pretax return on assets | -2.1635% | 7,579 |
| Return on Equity (ROE) | -5.8089% | 7,043 |
| Retained earnings to average equity (ytd only) | -6.7869% | 6,773 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 204.0590% | 177 |
| Assets per employee ($millions) | 5.5889% | 1,483 |
| Cash dividends to net income (ytd only)* | -16.8367% | 8,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3862% | 3,571 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 19.1987% | 8,094 |
| Net loans and leases to deposits | 26.6750% | 8,079 |
| Net loans and leases to core deposits | 32.5061% | 8,065 |
| Total domestic deposits to total assets | 71.9728% | 7,209 |
| Equity capital to assets | 19.9770% | 420 |
| Core capital (leverage) ratio | 19.0392% | 446 |
| Tier 1 risk-based capital ratio | 39.8830% | 332 |
| Total risk-based capital ratio | 40.4553% | 330 |
| Memoranda: | ||
| Average total assets | $59,349,500 | 6,492 |
| Average earning assets | $56,670,000 | 6,390 |
| Average equity | $13,496,500 | 4,446 |
| Average total loans | $12,865,000 | 7,758 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1040% | 8,213 |
| Cost of funding earning assets | 1.3059% | 7,846 |
| Net interest margin | 0.7981% | 8,244 |
| Noninterest income to average assets | 0.0052% | 8,089 |
| Noninterest expense to average assets | 3.4169% | 2,623 |
| Loan and lease loss provision to assets | 0.3649% | 3,502 |
| Net operating income to assets | -1.6057% | 7,503 |
| Return on assets (ROA) | -1.6107% | 7,456 |
| Pretax return on assets | -3.0390% | 7,715 |
| Return on Equity (ROE) | -4.4378% | 6,801 |
| Retained earnings to average equity (ytd only) | -4.9692% | 6,509 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 455.2083% | 57 |
| Assets per employee ($millions) | 3.9717% | 3,581 |
| Cash dividends to net income (ytd only)* | -11.9741% | 7,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 5,239 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 24.2737% | 8,104 |
| Net loans and leases to deposits | 33.3369% | 8,073 |
| Net loans and leases to core deposits | 42.8010% | 8,012 |
| Total domestic deposits to total assets | 72.8134% | 6,863 |
| Equity capital to assets | 26.3306% | 237 |
| Core capital (leverage) ratio | 25.3958% | 256 |
| Tier 1 risk-based capital ratio | 50.2036% | 217 |
| Total risk-based capital ratio | 50.7465% | 218 |
| Memoranda: | ||
| Average total assets | $38,367,670 | 7,289 |
| Average earning assets | $35,836,000 | 7,246 |
| Average equity | $13,925,670 | 4,355 |
| Average total loans | $5,488,000 | 8,142 |