Home > San Diego Private Bank > Performance and Condition Ratios
San Diego Private Bank, Performance and Condition Ratios
| 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 | 4.0293% | 3,999 |
| Cost of funding earning assets | 0.3954% | 5,153 |
| Net interest margin | 3.6340% | 3,125 |
| Noninterest income to average assets | 0.4808% | 3,916 |
| Noninterest expense to average assets | 5.2578% | 308 |
| Loan and lease loss provision to assets | -1.0818% | 6,995 |
| Net operating income to assets | -0.2959% | 6,575 |
| Return on assets (ROA) | -0.2959% | 6,609 |
| Pretax return on assets | -0.2959% | 6,599 |
| Return on Equity (ROE) | -2.9755% | 6,611 |
| Retained earnings to average equity (ytd only) | -2.9755% | 6,187 |
| Net charge-offs to loans | 1.0041% | 604 |
| Credit loss provision to net charge-offs | -201.7241% | 5,265 |
| Earnings coverage of net charge-offs (x) | -2.5690% | 4,041 |
| Efficiency ratio | 135.5044% | 123 |
| Assets per employee ($millions) | 4.0079% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0189% | 1,994 |
| Loan loss allowance to noncurrent loans | 146.4435% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.7485% | 4,500 |
| Noncurrent loans to loans | 1.3787% | 3,496 |
| Net loans and leases to total assets | 51.3700% | 4,785 |
| Net loans and leases to deposits | 59.1282% | 4,896 |
| Net loans and leases to core deposits | 65.0670% | 4,645 |
| Total domestic deposits to total assets | 86.8791% | 3,034 |
| Equity capital to assets | 9.7012% | 4,565 |
| Core capital (leverage) ratio | 10.4499% | 2,847 |
| Tier 1 risk-based capital ratio | 19.4673% | 1,917 |
| Total risk-based capital ratio | 20.7330% | 1,884 |
| Memoranda: | ||
| Average total assets | $129,787,500 | 4,186 |
| Average earning assets | $121,409,500 | 4,128 |
| Average equity | $12,905,500 | 4,399 |
| Average total loans | $69,315,500 | 4,363 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3719% | 3,935 |
| Cost of funding earning assets | 0.5778% | 4,560 |
| Net interest margin | 3.7941% | 3,249 |
| Noninterest income to average assets | 0.6402% | 3,049 |
| Noninterest expense to average assets | 4.0793% | 889 |
| Loan and lease loss provision to assets | -0.1934% | 6,975 |
| Net operating income to assets | 0.2823% | 5,532 |
| Return on assets (ROA) | 0.3670% | 5,457 |
| Pretax return on assets | 0.3679% | 5,661 |
| Return on Equity (ROE) | 3.4758% | 5,358 |
| Retained earnings to average equity (ytd only) | 3.4758% | 3,769 |
| Net charge-offs to loans | -0.3810% | 6,993 |
| Credit loss provision to net charge-offs | 82.1678% | 3,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8484% | 634 |
| Assets per employee ($millions) | 4.5469% | 2,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7783% | 841 |
| Loan loss allowance to noncurrent loans | 132.8502% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 1.1648% | 3,714 |
| Noncurrent loans to loans | 2.0913% | 2,587 |
| Net loans and leases to total assets | 52.9113% | 4,774 |
| Net loans and leases to deposits | 63.9294% | 4,542 |
| Net loans and leases to core deposits | 70.3031% | 4,265 |
| Total domestic deposits to total assets | 82.7653% | 4,816 |
| Equity capital to assets | 10.1953% | 3,895 |
| Core capital (leverage) ratio | 10.3136% | 2,996 |
| Tier 1 risk-based capital ratio | 19.4462% | 1,829 |
| Total risk-based capital ratio | 20.7201% | 1,792 |
| Memoranda: | ||
| Average total assets | $121,515,800 | 4,330 |
| Average earning assets | $113,017,600 | 4,274 |
| Average equity | $12,831,600 | 4,395 |
| Average total loans | $75,058,200 | 4,174 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3496% | 4,258 |
| Cost of funding earning assets | 0.5983% | 4,669 |
| Net interest margin | 3.7513% | 3,548 |
| Noninterest income to average assets | 0.7751% | 2,352 |
| Noninterest expense to average assets | 4.0854% | 844 |
| Loan and lease loss provision to assets | -0.2610% | 7,106 |
| Net operating income to assets | 0.4375% | 5,089 |
| Return on assets (ROA) | 0.4375% | 5,325 |
| Pretax return on assets | 0.4386% | 5,629 |
| Return on Equity (ROE) | 4.1058% | 5,250 |
| Retained earnings to average equity (ytd only) | 4.1058% | 4,012 |
| Net charge-offs to loans | -0.4845% | 7,094 |
| Credit loss provision to net charge-offs | 84.5324% | 3,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8322% | 684 |
| Assets per employee ($millions) | 4.7851% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1833% | 1,738 |
| Loan loss allowance to noncurrent loans | 588.0368% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 6,005 |
| Noncurrent loans to loans | 0.3713% | 5,736 |
| Net loans and leases to total assets | 66.4747% | 2,567 |
| Net loans and leases to deposits | 80.9730% | 2,255 |
| Net loans and leases to core deposits | 87.8492% | 2,233 |
| Total domestic deposits to total assets | 82.0949% | 4,984 |
| Equity capital to assets | 10.1457% | 4,283 |
| Core capital (leverage) ratio | 10.3854% | 3,054 |
| Tier 1 risk-based capital ratio | 15.4695% | 3,557 |
| Total risk-based capital ratio | 16.7352% | 3,505 |
| Memoranda: | ||
| Average total assets | $120,066,500 | 4,400 |
| Average earning assets | $111,639,500 | 4,345 |
| Average equity | $12,794,500 | 4,447 |
| Average total loans | $76,500,750 | 4,187 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4337% | 4,048 |
| Cost of funding earning assets | 0.6203% | 4,716 |
| Net interest margin | 3.8134% | 3,299 |
| Noninterest income to average assets | 0.7041% | 2,642 |
| Noninterest expense to average assets | 4.2214% | 710 |
| Loan and lease loss provision to assets | -0.2393% | 7,168 |
| Net operating income to assets | 0.2717% | 5,698 |
| Return on assets (ROA) | 0.2717% | 5,895 |
| Pretax return on assets | 0.2735% | 6,014 |
| Return on Equity (ROE) | 2.5059% | 5,879 |
| Retained earnings to average equity (ytd only) | 2.5059% | 4,936 |
| Net charge-offs to loans | -0.7534% | 7,170 |
| Credit loss provision to net charge-offs | 51.0949% | 4,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1968% | 590 |
| Assets per employee ($millions) | 4.4701% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7802% | 964 |
| Loan loss allowance to noncurrent loans | 594.0828% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 5,992 |
| Noncurrent loans to loans | 0.4680% | 5,598 |
| Net loans and leases to total assets | 58.1790% | 4,129 |
| Net loans and leases to deposits | 71.8027% | 3,643 |
| Net loans and leases to core deposits | 78.2565% | 3,474 |
| Total domestic deposits to total assets | 81.0262% | 5,462 |
| Equity capital to assets | 10.6319% | 3,537 |
| Core capital (leverage) ratio | 11.1223% | 2,186 |
| Tier 1 risk-based capital ratio | 19.0762% | 1,945 |
| Total risk-based capital ratio | 20.3522% | 1,921 |
| Memoranda: | ||
| Average total assets | $117,022,670 | 4,480 |
| Average earning assets | $108,983,000 | 4,435 |
| Average equity | $12,690,000 | 4,461 |
| Average total loans | $72,734,000 | 4,320 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5220% | 3,832 |
| Cost of funding earning assets | 0.6615% | 4,624 |
| Net interest margin | 3.8605% | 3,093 |
| Noninterest income to average assets | 0.4792% | 4,070 |
| Noninterest expense to average assets | 4.0352% | 898 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0313% | 6,363 |
| Return on assets (ROA) | 0.0313% | 6,479 |
| Pretax return on assets | 0.0313% | 6,481 |
| Return on Equity (ROE) | 0.2853% | 6,478 |
| Retained earnings to average equity (ytd only) | 0.2853% | 5,892 |
| Net charge-offs to loans | -0.3617% | 7,101 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2314% | 581 |
| Assets per employee ($millions) | 5.0677% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6300% | 1,191 |
| Loan loss allowance to noncurrent loans | 463.0072% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 5,898 |
| Noncurrent loans to loans | 0.5680% | 5,529 |
| Net loans and leases to total assets | 61.6210% | 3,334 |
| Net loans and leases to deposits | 76.4823% | 2,733 |
| Net loans and leases to core deposits | 83.2306% | 2,650 |
| Total domestic deposits to total assets | 80.5690% | 5,709 |
| Equity capital to assets | 10.8703% | 3,063 |
| Core capital (leverage) ratio | 10.3388% | 2,942 |
| Tier 1 risk-based capital ratio | 18.1808% | 2,224 |
| Total risk-based capital ratio | 19.4535% | 2,197 |
| Memoranda: | ||
| Average total assets | $115,187,500 | 4,555 |
| Average earning assets | $107,032,000 | 4,513 |
| Average equity | $12,619,000 | 4,479 |
| Average total loans | $72,988,000 | 4,348 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 5,188 |
| Cost of funding earning assets | 0.6985% | 5,554 |
| Net interest margin | 3.7692% | 3,987 |
| Noninterest income to average assets | 0.2030% | 6,050 |
| Noninterest expense to average assets | 3.9999% | 1,038 |
| Loan and lease loss provision to assets | 1.2248% | 706 |
| Net operating income to assets | -1.4463% | 6,894 |
| Return on assets (ROA) | -1.3884% | 6,901 |
| Pretax return on assets | -1.3875% | 6,865 |
| Return on Equity (ROE) | -14.5058% | 6,879 |
| Retained earnings to average equity (ytd only) | -14.5058% | 6,857 |
| Net charge-offs to loans | 2.7373% | 391 |
| Credit loss provision to net charge-offs | 71.9921% | 4,776 |
| Earnings coverage of net charge-offs (x) | -0.1297% | 5,911 |
| Efficiency ratio | 105.8380% | 522 |
| Assets per employee ($millions) | 4.9487% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5951% | 1,201 |
| Loan loss allowance to noncurrent loans | 431.7972% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.4112% | 5,945 |
| Noncurrent loans to loans | 0.6010% | 5,517 |
| Net loans and leases to total assets | 61.7990% | 3,641 |
| Net loans and leases to deposits | 77.2099% | 2,968 |
| Net loans and leases to core deposits | 85.2057% | 2,728 |
| Total domestic deposits to total assets | 80.0402% | 5,732 |
| Equity capital to assets | 11.0421% | 2,941 |
| Core capital (leverage) ratio | 10.1458% | 3,174 |
| Tier 1 risk-based capital ratio | 18.9260% | 1,919 |
| Total risk-based capital ratio | 20.1989% | 1,871 |
| Memoranda: | ||
| Average total assets | $119,204,000 | 4,419 |
| Average earning assets | $113,101,200 | 4,308 |
| Average equity | $11,409,200 | 4,681 |
| Average total loans | $74,087,400 | 4,344 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5373% | 5,136 |
| Cost of funding earning assets | 0.7050% | 5,732 |
| Net interest margin | 3.8323% | 3,705 |
| Noninterest income to average assets | 0.1681% | 6,384 |
| Noninterest expense to average assets | 3.9009% | 1,156 |
| Loan and lease loss provision to assets | -0.1106% | 7,361 |
| Net operating income to assets | 0.0207% | 6,128 |
| Return on assets (ROA) | 0.0962% | 6,085 |
| Pretax return on assets | 0.0973% | 6,102 |
| Return on Equity (ROE) | 1.0432% | 6,059 |
| Retained earnings to average equity (ytd only) | 1.0432% | 5,597 |
| Net charge-offs to loans | 0.0286% | 5,750 |
| Credit loss provision to net charge-offs | -625.0000% | 6,700 |
| Earnings coverage of net charge-offs (x) | -5.0633% | 6,100 |
| Efficiency ratio | 102.3506% | 597 |
| Assets per employee ($millions) | 5.4043% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4979% | 566 |
| Loan loss allowance to noncurrent loans | 154.7572% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 1.3041% | 4,203 |
| Noncurrent loans to loans | 2.2603% | 3,041 |
| Net loans and leases to total assets | 51.6259% | 5,489 |
| Net loans and leases to deposits | 63.8594% | 5,185 |
| Net loans and leases to core deposits | 73.7810% | 4,486 |
| Total domestic deposits to total assets | 80.8431% | 5,484 |
| Equity capital to assets | 10.9533% | 3,194 |
| Core capital (leverage) ratio | 10.8946% | 2,480 |
| Tier 1 risk-based capital ratio | 22.4180% | 1,224 |
| Total risk-based capital ratio | 23.7202% | 1,196 |
| Memoranda: | ||
| Average total assets | $120,550,250 | 4,405 |
| Average earning assets | $114,602,750 | 4,291 |
| Average equity | $11,119,500 | 4,776 |
| Average total loans | $74,556,000 | 4,364 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6526% | 4,746 |
| Cost of funding earning assets | 0.7246% | 5,805 |
| Net interest margin | 3.9280% | 3,179 |
| Noninterest income to average assets | 0.1459% | 6,596 |
| Noninterest expense to average assets | 4.0184% | 1,022 |
| Loan and lease loss provision to assets | -0.1676% | 7,445 |
| Net operating income to assets | 0.0285% | 6,174 |
| Return on assets (ROA) | 0.0285% | 6,252 |
| Pretax return on assets | 0.0302% | 6,222 |
| Return on Equity (ROE) | 0.3305% | 6,238 |
| Retained earnings to average equity (ytd only) | 0.3305% | 5,715 |
| Net charge-offs to loans | -0.1346% | 7,229 |
| Credit loss provision to net charge-offs | 192.3077% | 1,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5421% | 624 |
| Assets per employee ($millions) | 6.1475% | 1,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3344% | 680 |
| Loan loss allowance to noncurrent loans | 63.4340% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 3.3347% | 1,984 |
| Noncurrent loans to loans | 5.2565% | 1,223 |
| Net loans and leases to total assets | 59.4194% | 4,396 |
| Net loans and leases to deposits | 72.3174% | 4,065 |
| Net loans and leases to core deposits | 82.5312% | 3,426 |
| Total domestic deposits to total assets | 82.1647% | 5,110 |
| Equity capital to assets | 8.9819% | 5,604 |
| Core capital (leverage) ratio | 9.0108% | 4,704 |
| Tier 1 risk-based capital ratio | 16.2767% | 2,847 |
| Total risk-based capital ratio | 17.5720% | 2,790 |
| Memoranda: | ||
| Average total assets | $119,300,330 | 4,479 |
| Average earning assets | $113,441,000 | 4,349 |
| Average equity | $10,287,670 | 4,974 |
| Average total loans | $77,242,330 | 4,306 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6683% | 4,653 |
| Cost of funding earning assets | 0.7519% | 5,841 |
| Net interest margin | 3.9164% | 3,065 |
| Noninterest income to average assets | 0.0564% | 7,109 |
| Noninterest expense to average assets | 4.0315% | 1,001 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2422% | 6,603 |
| Return on assets (ROA) | -0.2422% | 6,616 |
| Pretax return on assets | -0.2422% | 6,571 |
| Return on Equity (ROE) | -2.8667% | 6,652 |
| Retained earnings to average equity (ytd only) | -2.8667% | 6,272 |
| Net charge-offs to loans | -0.1301% | 7,158 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3923% | 565 |
| Assets per employee ($millions) | 5.8237% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0488% | 872 |
| Loan loss allowance to noncurrent loans | 134.9371% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 1.8639% | 3,478 |
| Noncurrent loans to loans | 2.2594% | 3,240 |
| Net loans and leases to total assets | 67.3807% | 2,681 |
| Net loans and leases to deposits | 81.8030% | 2,397 |
| Net loans and leases to core deposits | 93.2034% | 1,987 |
| Total domestic deposits to total assets | 82.3695% | 5,161 |
| Equity capital to assets | 8.7470% | 5,580 |
| Core capital (leverage) ratio | 8.3277% | 5,755 |
| Tier 1 risk-based capital ratio | 14.1251% | 3,987 |
| Total risk-based capital ratio | 15.4040% | 3,941 |
| Memoranda: | ||
| Average total assets | $120,549,500 | 4,464 |
| Average earning assets | $114,901,500 | 4,327 |
| Average equity | $10,186,000 | 4,991 |
| Average total loans | $79,965,000 | 4,255 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7369% | 5,664 |
| Cost of funding earning assets | 0.9083% | 6,144 |
| Net interest margin | 3.8286% | 3,825 |
| Noninterest income to average assets | -0.3382% | 7,521 |
| Noninterest expense to average assets | 3.2049% | 3,074 |
| Loan and lease loss provision to assets | 2.9215% | 337 |
| Net operating income to assets | -2.8850% | 7,270 |
| Return on assets (ROA) | -2.8103% | 7,271 |
| Pretax return on assets | -2.8103% | 7,250 |
| Return on Equity (ROE) | -36.5796% | 7,307 |
| Retained earnings to average equity (ytd only) | -36.5796% | 7,298 |
| Net charge-offs to loans | 3.8007% | 351 |
| Credit loss provision to net charge-offs | 126.4338% | 3,205 |
| Earnings coverage of net charge-offs (x) | 0.0158% | 6,109 |
| Efficiency ratio | 98.8722% | 828 |
| Assets per employee ($millions) | 6.5592% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0919% | 807 |
| Loan loss allowance to noncurrent loans | 124.4014% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 1.8648% | 3,530 |
| Noncurrent loans to loans | 2.4854% | 3,040 |
| Net loans and leases to total assets | 61.4154% | 4,415 |
| Net loans and leases to deposits | 76.0175% | 3,838 |
| Net loans and leases to core deposits | 87.4432% | 3,125 |
| Total domestic deposits to total assets | 80.7912% | 5,593 |
| Equity capital to assets | 8.1717% | 6,293 |
| Core capital (leverage) ratio | 7.5350% | 6,674 |
| Tier 1 risk-based capital ratio | 14.0346% | 3,849 |
| Total risk-based capital ratio | 15.3122% | 3,798 |
| Memoranda: | ||
| Average total assets | $131,300,800 | 4,230 |
| Average earning assets | $122,759,400 | 4,169 |
| Average equity | $10,087,600 | 5,106 |
| Average total loans | $79,826,800 | 4,349 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6999% | 6,018 |
| Cost of funding earning assets | 0.9273% | 6,280 |
| Net interest margin | 3.7726% | 4,084 |
| Noninterest income to average assets | -0.4522% | 7,670 |
| Noninterest expense to average assets | 3.0934% | 3,366 |
| Loan and lease loss provision to assets | 1.7959% | 697 |
| Net operating income to assets | -1.8289% | 7,193 |
| Return on assets (ROA) | -1.7728% | 7,190 |
| Pretax return on assets | -1.7728% | 7,123 |
| Return on Equity (ROE) | -23.4240% | 7,284 |
| Retained earnings to average equity (ytd only) | -23.4240% | 7,273 |
| Net charge-offs to loans | 2.6603% | 614 |
| Credit loss provision to net charge-offs | 112.1478% | 3,769 |
| Earnings coverage of net charge-offs (x) | -0.0207% | 6,049 |
| Efficiency ratio | 101.0813% | 710 |
| Assets per employee ($millions) | 7.3024% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2074% | 1,792 |
| Loan loss allowance to noncurrent loans | 212.0231% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.8836% | 5,328 |
| Noncurrent loans to loans | 1.0411% | 5,166 |
| Net loans and leases to total assets | 58.5610% | 5,174 |
| Net loans and leases to deposits | 71.0559% | 4,986 |
| Net loans and leases to core deposits | 80.5542% | 4,435 |
| Total domestic deposits to total assets | 82.4153% | 4,833 |
| Equity capital to assets | 7.2975% | 7,228 |
| Core capital (leverage) ratio | 7.6645% | 6,711 |
| Tier 1 risk-based capital ratio | 12.5935% | 4,897 |
| Total risk-based capital ratio | 13.8557% | 4,865 |
| Memoranda: | ||
| Average total assets | $132,969,750 | 4,251 |
| Average earning assets | $123,800,250 | 4,205 |
| Average equity | $10,063,500 | 5,175 |
| Average total loans | $80,038,250 | 4,406 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7551% | 5,952 |
| Cost of funding earning assets | 0.9602% | 6,334 |
| Net interest margin | 3.7949% | 3,917 |
| Noninterest income to average assets | -0.5830% | 7,757 |
| Noninterest expense to average assets | 3.4584% | 2,127 |
| Loan and lease loss provision to assets | 2.1825% | 553 |
| Net operating income to assets | -2.7014% | 7,461 |
| Return on assets (ROA) | -2.6678% | 7,464 |
| Pretax return on assets | -2.6678% | 7,409 |
| Return on Equity (ROE) | -34.8103% | 7,488 |
| Retained earnings to average equity (ytd only) | -34.8103% | 7,478 |
| Net charge-offs to loans | 3.7913% | 363 |
| Credit loss provision to net charge-offs | 95.4606% | 4,251 |
| Earnings coverage of net charge-offs (x) | -0.2270% | 5,885 |
| Efficiency ratio | 117.6532% | 443 |
| Assets per employee ($millions) | 6.5759% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0196% | 2,130 |
| Loan loss allowance to noncurrent loans | 341.7391% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.9421% | 5,249 |
| Noncurrent loans to loans | 0.5910% | 6,063 |
| Net loans and leases to total assets | 57.9887% | 5,419 |
| Net loans and leases to deposits | 71.6117% | 5,057 |
| Net loans and leases to core deposits | 89.8229% | 3,299 |
| Total domestic deposits to total assets | 80.9766% | 5,404 |
| Equity capital to assets | 7.7671% | 6,952 |
| Core capital (leverage) ratio | 7.7971% | 6,502 |
| Tier 1 risk-based capital ratio | 12.7262% | 4,664 |
| Total risk-based capital ratio | 13.9673% | 4,645 |
| Memoranda: | ||
| Average total assets | $131,044,330 | 4,324 |
| Average earning assets | $121,636,670 | 4,278 |
| Average equity | $10,043,000 | 5,185 |
| Average total loans | $79,022,670 | 4,472 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8863% | 5,533 |
| Cost of funding earning assets | 0.9686% | 6,511 |
| Net interest margin | 3.9176% | 3,247 |
| Noninterest income to average assets | 0.1498% | 6,898 |
| Noninterest expense to average assets | 3.3821% | 2,286 |
| Loan and lease loss provision to assets | 1.2446% | 973 |
| Net operating income to assets | -0.8654% | 7,048 |
| Return on assets (ROA) | -0.7981% | 7,027 |
| Pretax return on assets | -0.7981% | 6,946 |
| Return on Equity (ROE) | -10.4851% | 7,156 |
| Retained earnings to average equity (ytd only) | -10.4851% | 6,990 |
| Net charge-offs to loans | 1.0149% | 1,622 |
| Credit loss provision to net charge-offs | 201.4851% | 1,839 |
| Earnings coverage of net charge-offs (x) | 0.6139% | 4,479 |
| Efficiency ratio | 89.9187% | 1,444 |
| Assets per employee ($millions) | 7.3327% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3864% | 1,435 |
| Loan loss allowance to noncurrent loans | 309.5638% | 970 |
| Noncurrent assets plus other real estate owned to assets | 1.3759% | 4,446 |
| Noncurrent loans to loans | 0.7709% | 5,784 |
| Net loans and leases to total assets | 57.1787% | 5,576 |
| Net loans and leases to deposits | 70.3379% | 5,295 |
| Net loans and leases to core deposits | 86.8278% | 3,781 |
| Total domestic deposits to total assets | 81.2915% | 5,350 |
| Equity capital to assets | 7.4257% | 7,122 |
| Core capital (leverage) ratio | 7.5602% | 6,783 |
| Tier 1 risk-based capital ratio | 11.9891% | 5,205 |
| Total risk-based capital ratio | 13.2510% | 5,156 |
| Memoranda: | ||
| Average total assets | $130,808,000 | 4,392 |
| Average earning assets | $120,583,000 | 4,358 |
| Average equity | $9,957,000 | 5,248 |
| Average total loans | $79,615,500 | 4,524 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0405% | 6,303 |
| Cost of funding earning assets | 1.3519% | 6,136 |
| Net interest margin | 3.6887% | 4,188 |
| Noninterest income to average assets | 0.1376% | 7,063 |
| Noninterest expense to average assets | 4.3856% | 889 |
| Loan and lease loss provision to assets | 1.9439% | 1,132 |
| Net operating income to assets | -2.7575% | 7,340 |
| Return on assets (ROA) | -2.6255% | 7,308 |
| Pretax return on assets | -2.6247% | 7,183 |
| Return on Equity (ROE) | -30.0289% | 7,404 |
| Retained earnings to average equity (ytd only) | -30.0289% | 7,385 |
| Net charge-offs to loans | 2.1259% | 1,140 |
| Credit loss provision to net charge-offs | 150.5329% | 3,076 |
| Earnings coverage of net charge-offs (x) | -0.6295% | 6,767 |
| Efficiency ratio | 122.7510% | 565 |
| Assets per employee ($millions) | 6.4814% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0020% | 2,022 |
| Loan loss allowance to noncurrent loans | 1,146.8531% | 331 |
| Noncurrent assets plus other real estate owned to assets | 1.0522% | 4,995 |
| Noncurrent loans to loans | 0.1746% | 6,984 |
| Net loans and leases to total assets | 61.9287% | 5,002 |
| Net loans and leases to deposits | 76.9718% | 4,572 |
| Net loans and leases to core deposits | 94.5570% | 4,617 |
| Total domestic deposits to total assets | 80.4564% | 5,532 |
| Equity capital to assets | 7.8016% | 6,764 |
| Core capital (leverage) ratio | 7.3638% | 6,921 |
| Tier 1 risk-based capital ratio | 11.9276% | 5,008 |
| Total risk-based capital ratio | 13.1861% | 4,949 |
| Memoranda: | ||
| Average total assets | $123,517,600 | 4,485 |
| Average earning assets | $115,027,200 | 4,418 |
| Average equity | $10,799,600 | 5,081 |
| Average total loans | $75,027,800 | 4,685 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9377% | 6,799 |
| Cost of funding earning assets | 1.4103% | 6,188 |
| Net interest margin | 3.5274% | 4,754 |
| Noninterest income to average assets | 0.1191% | 7,295 |
| Noninterest expense to average assets | 3.9368% | 1,374 |
| Loan and lease loss provision to assets | 2.6133% | 622 |
| Net operating income to assets | -3.1433% | 7,623 |
| Return on assets (ROA) | -3.0035% | 7,594 |
| Pretax return on assets | -3.0024% | 7,500 |
| Return on Equity (ROE) | -33.3956% | 7,669 |
| Retained earnings to average equity (ytd only) | -33.3956% | 7,662 |
| Net charge-offs to loans | 2.9010% | 593 |
| Credit loss provision to net charge-offs | 149.9060% | 3,209 |
| Earnings coverage of net charge-offs (x) | -0.3035% | 6,359 |
| Efficiency ratio | 115.5228% | 661 |
| Assets per employee ($millions) | 8.1354% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9878% | 1,831 |
| Loan loss allowance to noncurrent loans | 1,093.9597% | 333 |
| Noncurrent assets plus other real estate owned to assets | 1.0448% | 4,991 |
| Noncurrent loans to loans | 0.1817% | 7,041 |
| Net loans and leases to total assets | 54.8844% | 6,286 |
| Net loans and leases to deposits | 66.6542% | 6,246 |
| Net loans and leases to core deposits | 77.1241% | 6,551 |
| Total domestic deposits to total assets | 82.3419% | 4,526 |
| Equity capital to assets | 7.2550% | 7,457 |
| Core capital (leverage) ratio | 7.6515% | 6,796 |
| Tier 1 risk-based capital ratio | 11.8611% | 5,096 |
| Total risk-based capital ratio | 13.6688% | 4,560 |
| Memoranda: | ||
| Average total assets | $121,990,000 | 4,541 |
| Average earning assets | $113,734,750 | 4,490 |
| Average equity | $10,971,250 | 5,080 |
| Average total loans | $73,305,500 | 4,799 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1117% | 6,384 |
| Cost of funding earning assets | 1.5727% | 5,831 |
| Net interest margin | 3.5390% | 4,618 |
| Noninterest income to average assets | 0.1318% | 7,302 |
| Noninterest expense to average assets | 4.1778% | 1,094 |
| Loan and lease loss provision to assets | 0.5112% | 2,977 |
| Net operating income to assets | -1.2579% | 7,139 |
| Return on assets (ROA) | -1.0330% | 7,007 |
| Pretax return on assets | -1.0313% | 6,836 |
| Return on Equity (ROE) | -10.6070% | 7,082 |
| Retained earnings to average equity (ytd only) | -10.6070% | 6,935 |
| Net charge-offs to loans | 0.0284% | 6,078 |
| Credit loss provision to net charge-offs | 2,910.0000% | 178 |
| Earnings coverage of net charge-offs (x) | -42.4000% | 6,591 |
| Efficiency ratio | 121.6991% | 635 |
| Assets per employee ($millions) | 7.9937% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 3,440 |
| Loan loss allowance to noncurrent loans | 55.8617% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 1.9664% | 3,239 |
| Noncurrent loans to loans | 2.6043% | 2,784 |
| Net loans and leases to total assets | 59.0528% | 5,832 |
| Net loans and leases to deposits | 74.5205% | 5,374 |
| Net loans and leases to core deposits | 90.9395% | 5,456 |
| Total domestic deposits to total assets | 79.2438% | 5,736 |
| Equity capital to assets | 9.8875% | 4,096 |
| Core capital (leverage) ratio | 10.1711% | 3,125 |
| Tier 1 risk-based capital ratio | 15.1539% | 2,956 |
| Total risk-based capital ratio | 16.4048% | 2,893 |
| Memoranda: | ||
| Average total assets | $113,841,000 | 4,777 |
| Average earning assets | $106,188,000 | 4,720 |
| Average equity | $11,087,000 | 5,062 |
| Average total loans | $70,407,000 | 4,944 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0909% | 6,675 |
| Cost of funding earning assets | 1.6167% | 5,959 |
| Net interest margin | 3.4742% | 4,832 |
| Noninterest income to average assets | 0.1423% | 7,280 |
| Noninterest expense to average assets | 3.1345% | 3,247 |
| Loan and lease loss provision to assets | 0.3782% | 3,053 |
| Net operating income to assets | -0.0829% | 6,387 |
| Return on assets (ROA) | 0.0412% | 6,301 |
| Pretax return on assets | 0.0637% | 6,247 |
| Return on Equity (ROE) | 0.4269% | 6,299 |
| Retained earnings to average equity (ytd only) | 0.4269% | 5,490 |
| Net charge-offs to loans | 0.0594% | 4,636 |
| Credit loss provision to net charge-offs | 1,010.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 6.7000% | 2,450 |
| Efficiency ratio | 92.5885% | 1,533 |
| Assets per employee ($millions) | 7.4839% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 4,066 |
| Loan loss allowance to noncurrent loans | 36.8379% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 2.0970% | 2,756 |
| Noncurrent loans to loans | 3.5324% | 1,795 |
| Net loans and leases to total assets | 58.5918% | 5,857 |
| Net loans and leases to deposits | 73.3083% | 5,569 |
| Net loans and leases to core deposits | 96.2203% | 4,943 |
| Total domestic deposits to total assets | 79.9252% | 5,399 |
| Equity capital to assets | 8.7663% | 5,672 |
| Core capital (leverage) ratio | 10.3234% | 3,088 |
| Tier 1 risk-based capital ratio | 13.3770% | 3,937 |
| Total risk-based capital ratio | 14.5870% | 3,886 |
| Memoranda: | ||
| Average total assets | $106,812,000 | 4,989 |
| Average earning assets | $99,707,500 | 4,926 |
| Average equity | $10,307,500 | 5,294 |
| Average total loans | $67,289,000 | 5,082 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7504% | 6,597 |
| Cost of funding earning assets | 2.0310% | 6,317 |
| Net interest margin | 3.7194% | 4,389 |
| Noninterest income to average assets | 0.2875% | 6,408 |
| Noninterest expense to average assets | 3.9547% | 1,477 |
| Loan and lease loss provision to assets | 0.4682% | 2,957 |
| Net operating income to assets | -0.5551% | 6,961 |
| Return on assets (ROA) | -0.4530% | 6,764 |
| Pretax return on assets | -0.4530% | 6,611 |
| Return on Equity (ROE) | -3.7700% | 6,715 |
| Retained earnings to average equity (ytd only) | -3.7700% | 6,279 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2451% | 907 |
| Assets per employee ($millions) | 6.2588% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 3,685 |
| Loan loss allowance to noncurrent loans | 41.8885% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 2.1207% | 2,318 |
| Noncurrent loans to loans | 3.1357% | 1,683 |
| Net loans and leases to total assets | 66.7434% | 4,696 |
| Net loans and leases to deposits | 86.8914% | 3,976 |
| Net loans and leases to core deposits | 104.4490% | 4,352 |
| Total domestic deposits to total assets | 76.8124% | 6,034 |
| Equity capital to assets | 10.7774% | 3,227 |
| Core capital (leverage) ratio | 10.6818% | 2,838 |
| Tier 1 risk-based capital ratio | 14.8912% | 3,100 |
| Total risk-based capital ratio | 16.1173% | 3,030 |
| Memoranda: | ||
| Average total assets | $85,214,000 | 5,509 |
| Average earning assets | $82,028,400 | 5,373 |
| Average equity | $10,238,800 | 5,332 |
| Average total loans | $50,601,000 | 5,680 |