Home > San Diego Trust Bank > Performance and Condition Ratios
San Diego Trust 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 | 2.9806% | 6,531 |
| Cost of funding earning assets | 0.2031% | 6,560 |
| Net interest margin | 2.7775% | 6,078 |
| Noninterest income to average assets | 0.1996% | 6,047 |
| Noninterest expense to average assets | 2.2414% | 5,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5122% | 4,598 |
| Return on assets (ROA) | 0.5122% | 4,744 |
| Pretax return on assets | 0.5670% | 5,060 |
| Return on Equity (ROE) | 4.5272% | 4,829 |
| Retained earnings to average equity (ytd only) | 4.5272% | 3,519 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8113% | 2,363 |
| Assets per employee ($millions) | 8.7874% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6669% | 950 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 5,519 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 17.5303% | 6,890 |
| Net loans and leases to deposits | 20.2791% | 6,903 |
| Net loans and leases to core deposits | 20.5037% | 6,903 |
| Total domestic deposits to total assets | 86.4451% | 3,276 |
| Equity capital to assets | 12.0968% | 1,977 |
| Core capital (leverage) ratio | 9.8708% | 3,569 |
| Tier 1 risk-based capital ratio | 29.6441% | 552 |
| Total risk-based capital ratio | 30.8965% | 546 |
| Memoranda: | ||
| Average total assets | $226,465,000 | 2,811 |
| Average earning assets | $212,707,500 | 2,739 |
| Average equity | $25,623,000 | 2,647 |
| Average total loans | $37,604,500 | 5,561 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3667% | 6,520 |
| Cost of funding earning assets | 0.2482% | 6,681 |
| Net interest margin | 3.1185% | 5,772 |
| Noninterest income to average assets | 0.2223% | 5,849 |
| Noninterest expense to average assets | 2.4678% | 5,199 |
| Loan and lease loss provision to assets | -0.2021% | 6,981 |
| Net operating income to assets | 0.6688% | 3,894 |
| Return on assets (ROA) | 0.8151% | 3,462 |
| Pretax return on assets | 1.0635% | 3,299 |
| Return on Equity (ROE) | 7.4171% | 3,400 |
| Retained earnings to average equity (ytd only) | 7.4171% | 1,368 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6123% | 2,341 |
| Assets per employee ($millions) | 9.6813% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7213% | 900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 5,738 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 14.9617% | 6,982 |
| Net loans and leases to deposits | 19.2717% | 6,978 |
| Net loans and leases to core deposits | 19.4783% | 6,977 |
| Total domestic deposits to total assets | 77.6352% | 6,136 |
| Equity capital to assets | 10.6325% | 3,362 |
| Core capital (leverage) ratio | 9.6897% | 3,821 |
| Tier 1 risk-based capital ratio | 28.4157% | 597 |
| Total risk-based capital ratio | 29.6668% | 581 |
| Memoranda: | ||
| Average total assets | $222,665,600 | 2,816 |
| Average earning assets | $208,275,800 | 2,762 |
| Average equity | $24,470,600 | 2,713 |
| Average total loans | $37,073,000 | 5,631 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5118% | 6,503 |
| Cost of funding earning assets | 0.2671% | 6,742 |
| Net interest margin | 3.2447% | 5,567 |
| Noninterest income to average assets | 0.2283% | 5,917 |
| Noninterest expense to average assets | 2.4857% | 5,127 |
| Loan and lease loss provision to assets | -0.1530% | 7,072 |
| Net operating income to assets | 0.7089% | 3,881 |
| Return on assets (ROA) | 0.8282% | 3,554 |
| Pretax return on assets | 1.0773% | 3,432 |
| Return on Equity (ROE) | 7.4683% | 3,547 |
| Retained earnings to average equity (ytd only) | 7.4683% | 1,869 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3633% | 2,619 |
| Assets per employee ($millions) | 8.4477% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5190% | 464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 5,827 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 15.1417% | 7,078 |
| Net loans and leases to deposits | 18.4804% | 7,086 |
| Net loans and leases to core deposits | 18.7092% | 7,085 |
| Total domestic deposits to total assets | 81.9335% | 5,052 |
| Equity capital to assets | 11.6814% | 2,554 |
| Core capital (leverage) ratio | 9.7006% | 3,957 |
| Tier 1 risk-based capital ratio | 28.1460% | 648 |
| Total risk-based capital ratio | 29.4013% | 626 |
| Memoranda: | ||
| Average total assets | $217,824,000 | 2,881 |
| Average earning assets | $203,195,500 | 2,838 |
| Average equity | $24,154,750 | 2,765 |
| Average total loans | $37,035,000 | 5,702 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6025% | 6,479 |
| Cost of funding earning assets | 0.2795% | 6,800 |
| Net interest margin | 3.3230% | 5,380 |
| Noninterest income to average assets | 0.2403% | 5,848 |
| Noninterest expense to average assets | 2.4722% | 5,228 |
| Loan and lease loss provision to assets | -0.1151% | 7,113 |
| Net operating income to assets | 0.7548% | 3,580 |
| Return on assets (ROA) | 0.8434% | 3,445 |
| Pretax return on assets | 1.0966% | 3,312 |
| Return on Equity (ROE) | 7.7450% | 3,375 |
| Retained earnings to average equity (ytd only) | 7.7450% | 1,745 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0485% | 3,067 |
| Assets per employee ($millions) | 8.7381% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8136% | 391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 5,904 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 15.4482% | 7,138 |
| Net loans and leases to deposits | 18.6994% | 7,145 |
| Net loans and leases to core deposits | 18.9298% | 7,145 |
| Total domestic deposits to total assets | 82.6136% | 4,901 |
| Equity capital to assets | 11.3032% | 2,783 |
| Core capital (leverage) ratio | 9.2408% | 4,536 |
| Tier 1 risk-based capital ratio | 25.9523% | 808 |
| Total risk-based capital ratio | 27.2091% | 793 |
| Memoranda: | ||
| Average total assets | $217,219,000 | 2,901 |
| Average earning assets | $202,526,330 | 2,849 |
| Average equity | $23,654,000 | 2,794 |
| Average total loans | $37,890,000 | 5,691 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6399% | 6,526 |
| Cost of funding earning assets | 0.2808% | 6,902 |
| Net interest margin | 3.3592% | 5,267 |
| Noninterest income to average assets | 0.2678% | 5,735 |
| Noninterest expense to average assets | 2.4598% | 5,290 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7184% | 3,790 |
| Return on assets (ROA) | 0.8938% | 3,166 |
| Pretax return on assets | 1.1763% | 3,004 |
| Return on Equity (ROE) | 8.3683% | 3,114 |
| Retained earnings to average equity (ytd only) | 8.3683% | 1,830 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2343% | 3,394 |
| Assets per employee ($millions) | 8.4512% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7589% | 445 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 6,026 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 17.0472% | 7,178 |
| Net loans and leases to deposits | 21.5878% | 7,174 |
| Net loans and leases to core deposits | 22.5946% | 7,173 |
| Total domestic deposits to total assets | 78.9670% | 6,082 |
| Equity capital to assets | 10.7081% | 3,260 |
| Core capital (leverage) ratio | 9.4449% | 4,126 |
| Tier 1 risk-based capital ratio | 25.0256% | 905 |
| Total risk-based capital ratio | 26.2841% | 889 |
| Memoranda: | ||
| Average total assets | $216,602,500 | 2,929 |
| Average earning assets | $202,312,500 | 2,869 |
| Average equity | $23,135,000 | 2,837 |
| Average total loans | $39,292,500 | 5,670 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7277% | 6,815 |
| Cost of funding earning assets | 0.3556% | 6,997 |
| Net interest margin | 3.3721% | 5,572 |
| Noninterest income to average assets | 0.2108% | 6,009 |
| Noninterest expense to average assets | 2.6948% | 4,761 |
| Loan and lease loss provision to assets | -0.1320% | 7,289 |
| Net operating income to assets | 0.6840% | 3,560 |
| Return on assets (ROA) | 0.7784% | 3,303 |
| Pretax return on assets | 0.9026% | 3,601 |
| Return on Equity (ROE) | 8.1276% | 2,846 |
| Retained earnings to average equity (ytd only) | 8.1276% | 1,039 |
| Net charge-offs to loans | -0.6382% | 7,290 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3054% | 2,264 |
| Assets per employee ($millions) | 8.2105% | 439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6885% | 471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 6,094 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 17.8949% | 7,233 |
| Net loans and leases to deposits | 22.6705% | 7,228 |
| Net loans and leases to core deposits | 23.7560% | 7,218 |
| Total domestic deposits to total assets | 78.9347% | 6,010 |
| Equity capital to assets | 10.6528% | 3,358 |
| Core capital (leverage) ratio | 9.2416% | 4,404 |
| Tier 1 risk-based capital ratio | 25.5917% | 810 |
| Total risk-based capital ratio | 26.8502% | 792 |
| Memoranda: | ||
| Average total assets | $206,840,200 | 2,982 |
| Average earning assets | $192,908,800 | 2,934 |
| Average equity | $19,809,000 | 3,179 |
| Average total loans | $42,778,600 | 5,569 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8096% | 6,829 |
| Cost of funding earning assets | 0.3784% | 7,064 |
| Net interest margin | 3.4311% | 5,459 |
| Noninterest income to average assets | 0.2086% | 6,122 |
| Noninterest expense to average assets | 2.8917% | 3,967 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4651% | 4,698 |
| Return on assets (ROA) | 0.5978% | 4,276 |
| Pretax return on assets | 0.6635% | 4,599 |
| Return on Equity (ROE) | 6.4303% | 3,806 |
| Retained earnings to average equity (ytd only) | 6.4303% | 2,271 |
| Net charge-offs to loans | -0.8357% | 7,376 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8589% | 1,645 |
| Assets per employee ($millions) | 8.5312% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2457% | 327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3596% | 6,179 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 18.3572% | 7,304 |
| Net loans and leases to deposits | 21.7891% | 7,308 |
| Net loans and leases to core deposits | 22.8865% | 7,306 |
| Total domestic deposits to total assets | 84.2493% | 4,120 |
| Equity capital to assets | 10.0460% | 4,276 |
| Core capital (leverage) ratio | 8.7572% | 5,326 |
| Tier 1 risk-based capital ratio | 24.7987% | 935 |
| Total risk-based capital ratio | 26.0620% | 914 |
| Memoranda: | ||
| Average total assets | $205,181,750 | 3,017 |
| Average earning assets | $191,302,250 | 2,961 |
| Average equity | $19,076,000 | 3,275 |
| Average total loans | $43,557,250 | 5,583 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9120% | 6,789 |
| Cost of funding earning assets | 0.4088% | 7,105 |
| Net interest margin | 3.5033% | 5,154 |
| Noninterest income to average assets | 0.2143% | 6,138 |
| Noninterest expense to average assets | 2.8575% | 4,201 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5620% | 4,257 |
| Return on assets (ROA) | 0.5620% | 4,381 |
| Pretax return on assets | 0.6243% | 4,662 |
| Return on Equity (ROE) | 6.2211% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.2211% | 2,282 |
| Net charge-offs to loans | -1.2284% | 7,449 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0709% | 2,092 |
| Assets per employee ($millions) | 8.0760% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3752% | 312 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 6,162 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 18.7925% | 7,384 |
| Net loans and leases to deposits | 22.1401% | 7,392 |
| Net loans and leases to core deposits | 23.5666% | 7,382 |
| Total domestic deposits to total assets | 84.8796% | 3,929 |
| Equity capital to assets | 9.6325% | 4,622 |
| Core capital (leverage) ratio | 9.5875% | 3,830 |
| Tier 1 risk-based capital ratio | 25.1422% | 894 |
| Total risk-based capital ratio | 26.4067% | 879 |
| Memoranda: | ||
| Average total assets | $202,482,670 | 3,069 |
| Average earning assets | $188,853,000 | 3,013 |
| Average equity | $18,292,670 | 3,373 |
| Average total loans | $44,447,000 | 5,595 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0297% | 6,636 |
| Cost of funding earning assets | 0.4370% | 7,143 |
| Net interest margin | 3.5928% | 4,600 |
| Noninterest income to average assets | 0.2288% | 6,086 |
| Noninterest expense to average assets | 2.9235% | 3,974 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5957% | 4,056 |
| Return on assets (ROA) | 0.5957% | 4,125 |
| Pretax return on assets | 0.6628% | 4,445 |
| Return on Equity (ROE) | 6.8191% | 3,480 |
| Retained earnings to average equity (ytd only) | 6.8191% | 2,229 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5182% | 2,298 |
| Assets per employee ($millions) | 7.7775% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3420% | 691 |
| Loan loss allowance to noncurrent loans | 128.7852% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.9554% | 4,988 |
| Noncurrent loans to loans | 2.5950% | 2,901 |
| Net loans and leases to total assets | 20.9249% | 7,418 |
| Net loans and leases to deposits | 25.8586% | 7,411 |
| Net loans and leases to core deposits | 27.9471% | 7,403 |
| Total domestic deposits to total assets | 80.9202% | 5,685 |
| Equity capital to assets | 8.8846% | 5,372 |
| Core capital (leverage) ratio | 9.2256% | 4,249 |
| Tier 1 risk-based capital ratio | 23.2620% | 1,055 |
| Total risk-based capital ratio | 24.5196% | 1,039 |
| Memoranda: | ||
| Average total assets | $202,774,000 | 3,082 |
| Average earning assets | $189,492,000 | 3,019 |
| Average equity | $17,715,000 | 3,446 |
| Average total loans | $46,831,500 | 5,531 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2837% | 6,813 |
| Cost of funding earning assets | 0.5805% | 7,162 |
| Net interest margin | 3.7032% | 4,328 |
| Noninterest income to average assets | 0.2728% | 5,834 |
| Noninterest expense to average assets | 3.0908% | 3,501 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5381% | 3,936 |
| Return on assets (ROA) | 0.5450% | 4,058 |
| Pretax return on assets | 0.6336% | 4,217 |
| Return on Equity (ROE) | 5.3844% | 3,911 |
| Retained earnings to average equity (ytd only) | 5.3844% | 2,191 |
| Net charge-offs to loans | 0.1711% | 5,298 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 12.6552% | 1,480 |
| Efficiency ratio | 83.1651% | 2,034 |
| Assets per employee ($millions) | 8.1334% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9326% | 923 |
| Loan loss allowance to noncurrent loans | 127.4390% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.9639% | 5,080 |
| Noncurrent loans to loans | 2.3012% | 3,221 |
| Net loans and leases to total assets | 23.8150% | 7,472 |
| Net loans and leases to deposits | 28.2938% | 7,482 |
| Net loans and leases to core deposits | 30.2291% | 7,469 |
| Total domestic deposits to total assets | 84.1704% | 4,288 |
| Equity capital to assets | 8.5888% | 5,737 |
| Core capital (leverage) ratio | 8.7180% | 4,986 |
| Tier 1 risk-based capital ratio | 21.2541% | 1,281 |
| Total risk-based capital ratio | 22.5102% | 1,256 |
| Memoranda: | ||
| Average total assets | $175,971,200 | 3,439 |
| Average earning assets | $163,642,400 | 3,384 |
| Average equity | $17,810,600 | 3,456 |
| Average total loans | $50,840,000 | 5,450 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3745% | 6,853 |
| Cost of funding earning assets | 0.6090% | 7,268 |
| Net interest margin | 3.7655% | 4,114 |
| Noninterest income to average assets | 0.2956% | 5,772 |
| Noninterest expense to average assets | 3.2148% | 2,874 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4842% | 4,385 |
| Return on assets (ROA) | 0.4935% | 4,542 |
| Pretax return on assets | 0.5865% | 4,643 |
| Return on Equity (ROE) | 4.6636% | 4,470 |
| Retained earnings to average equity (ytd only) | 4.6636% | 3,220 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8170% | 1,750 |
| Assets per employee ($millions) | 7.4272% | 639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1366% | 739 |
| Loan loss allowance to noncurrent loans | 124.1987% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 1.0782% | 4,956 |
| Noncurrent loans to loans | 2.5254% | 3,095 |
| Net loans and leases to total assets | 24.7878% | 7,556 |
| Net loans and leases to deposits | 29.6885% | 7,563 |
| Net loans and leases to core deposits | 32.1315% | 7,556 |
| Total domestic deposits to total assets | 83.4931% | 4,380 |
| Equity capital to assets | 10.2052% | 3,876 |
| Core capital (leverage) ratio | 9.2194% | 4,339 |
| Tier 1 risk-based capital ratio | 21.2351% | 1,322 |
| Total risk-based capital ratio | 22.4936% | 1,298 |
| Memoranda: | ||
| Average total assets | $169,130,500 | 3,602 |
| Average earning assets | $156,966,500 | 3,551 |
| Average equity | $17,897,250 | 3,483 |
| Average total loans | $51,078,250 | 5,527 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5097% | 6,690 |
| Cost of funding earning assets | 0.6418% | 7,317 |
| Net interest margin | 3.8679% | 3,600 |
| Noninterest income to average assets | 0.3426% | 5,410 |
| Noninterest expense to average assets | 3.3201% | 2,502 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4923% | 4,365 |
| Return on assets (ROA) | 0.5064% | 4,444 |
| Pretax return on assets | 0.6231% | 4,495 |
| Return on Equity (ROE) | 4.7184% | 4,428 |
| Retained earnings to average equity (ytd only) | 4.7184% | 3,073 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5716% | 1,857 |
| Assets per employee ($millions) | 7.2062% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0867% | 770 |
| Loan loss allowance to noncurrent loans | 123.0159% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 1.2194% | 4,699 |
| Noncurrent loans to loans | 2.5092% | 3,142 |
| Net loans and leases to total assets | 28.1384% | 7,577 |
| Net loans and leases to deposits | 33.9171% | 7,578 |
| Net loans and leases to core deposits | 37.2022% | 7,545 |
| Total domestic deposits to total assets | 82.9620% | 4,594 |
| Equity capital to assets | 10.5794% | 3,306 |
| Core capital (leverage) ratio | 9.9471% | 3,227 |
| Tier 1 risk-based capital ratio | 21.0987% | 1,323 |
| Total risk-based capital ratio | 22.3579% | 1,299 |
| Memoranda: | ||
| Average total assets | $161,138,330 | 3,765 |
| Average earning assets | $149,278,330 | 3,716 |
| Average equity | $17,294,000 | 3,585 |
| Average total loans | $51,632,000 | 5,534 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6547% | 6,393 |
| Cost of funding earning assets | 0.6415% | 7,466 |
| Net interest margin | 4.0133% | 2,818 |
| Noninterest income to average assets | 0.2628% | 6,051 |
| Noninterest expense to average assets | 3.4503% | 2,109 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4387% | 4,671 |
| Return on assets (ROA) | 0.4690% | 4,667 |
| Pretax return on assets | 0.5566% | 4,763 |
| Return on Equity (ROE) | 4.3353% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.3353% | 3,552 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8916% | 1,698 |
| Assets per employee ($millions) | 6.8837% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1129% | 752 |
| Loan loss allowance to noncurrent loans | 123.0159% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 1.3321% | 4,523 |
| Noncurrent loans to loans | 2.5305% | 3,141 |
| Net loans and leases to total assets | 30.4702% | 7,608 |
| Net loans and leases to deposits | 36.9838% | 7,601 |
| Net loans and leases to core deposits | 41.7607% | 7,532 |
| Total domestic deposits to total assets | 82.3881% | 4,892 |
| Equity capital to assets | 10.8549% | 2,888 |
| Core capital (leverage) ratio | 10.8829% | 2,304 |
| Tier 1 risk-based capital ratio | 21.0612% | 1,332 |
| Total risk-based capital ratio | 22.3204% | 1,305 |
| Memoranda: | ||
| Average total assets | $155,233,000 | 3,925 |
| Average earning assets | $143,424,000 | 3,878 |
| Average equity | $16,792,500 | 3,698 |
| Average total loans | $52,340,500 | 5,567 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2830% | 5,272 |
| Cost of funding earning assets | 0.7968% | 7,554 |
| Net interest margin | 4.4862% | 1,206 |
| Noninterest income to average assets | 0.3579% | 5,532 |
| Noninterest expense to average assets | 4.1173% | 1,202 |
| Loan and lease loss provision to assets | 0.7697% | 2,801 |
| Net operating income to assets | -0.2862% | 5,954 |
| Return on assets (ROA) | 0.5015% | 3,817 |
| Pretax return on assets | 0.8070% | 3,222 |
| Return on Equity (ROE) | 3.9085% | 4,131 |
| Retained earnings to average equity (ytd only) | 3.9085% | 2,478 |
| Net charge-offs to loans | 0.5237% | 3,688 |
| Credit loss provision to net charge-offs | 323.3333% | 1,006 |
| Earnings coverage of net charge-offs (x) | 1.4533% | 4,673 |
| Efficiency ratio | 92.2489% | 1,548 |
| Assets per employee ($millions) | 6.0856% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8239% | 912 |
| Loan loss allowance to noncurrent loans | 123.0159% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 1.3895% | 4,336 |
| Noncurrent loans to loans | 2.2955% | 3,294 |
| Net loans and leases to total assets | 35.0589% | 7,560 |
| Net loans and leases to deposits | 45.6142% | 7,460 |
| Net loans and leases to core deposits | 53.2639% | 7,495 |
| Total domestic deposits to total assets | 76.8596% | 6,518 |
| Equity capital to assets | 10.7788% | 2,890 |
| Core capital (leverage) ratio | 11.4414% | 1,946 |
| Tier 1 risk-based capital ratio | 18.8704% | 1,680 |
| Total risk-based capital ratio | 20.1271% | 1,646 |
| Memoranda: | ||
| Average total assets | $126,029,400 | 4,429 |
| Average earning assets | $115,331,200 | 4,410 |
| Average equity | $16,170,000 | 3,839 |
| Average total loans | $57,285,200 | 5,373 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4682% | 4,584 |
| Cost of funding earning assets | 0.8321% | 7,653 |
| Net interest margin | 4.6361% | 934 |
| Noninterest income to average assets | 0.3883% | 5,403 |
| Noninterest expense to average assets | 4.5867% | 668 |
| Loan and lease loss provision to assets | 0.9707% | 1,981 |
| Net operating income to assets | -0.6204% | 6,540 |
| Return on assets (ROA) | 0.4842% | 4,151 |
| Pretax return on assets | 0.7899% | 3,574 |
| Return on Equity (ROE) | 3.5913% | 4,542 |
| Retained earnings to average equity (ytd only) | 3.5913% | 3,279 |
| Net charge-offs to loans | 0.6910% | 2,623 |
| Credit loss provision to net charge-offs | 290.0000% | 1,433 |
| Earnings coverage of net charge-offs (x) | 0.1033% | 5,935 |
| Efficiency ratio | 99.2516% | 1,096 |
| Assets per employee ($millions) | 5.4507% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7658% | 820 |
| Loan loss allowance to noncurrent loans | 88.9571% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 1.9103% | 3,480 |
| Noncurrent loans to loans | 3.1091% | 2,428 |
| Net loans and leases to total assets | 38.9674% | 7,506 |
| Net loans and leases to deposits | 46.7147% | 7,546 |
| Net loans and leases to core deposits | 54.0659% | 7,591 |
| Total domestic deposits to total assets | 83.4158% | 4,010 |
| Equity capital to assets | 12.6138% | 1,875 |
| Core capital (leverage) ratio | 12.7359% | 1,483 |
| Tier 1 risk-based capital ratio | 20.1527% | 1,528 |
| Total risk-based capital ratio | 21.4098% | 1,478 |
| Memoranda: | ||
| Average total assets | $119,501,500 | 4,608 |
| Average earning assets | $109,112,750 | 4,619 |
| Average equity | $16,112,750 | 3,888 |
| Average total loans | $57,884,250 | 5,387 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7926% | 3,087 |
| Cost of funding earning assets | 0.8717% | 7,729 |
| Net interest margin | 4.9209% | 514 |
| Noninterest income to average assets | 0.3767% | 5,493 |
| Noninterest expense to average assets | 4.7801% | 600 |
| Loan and lease loss provision to assets | 0.7258% | 2,258 |
| Net operating income to assets | -0.4300% | 6,472 |
| Return on assets (ROA) | 0.4614% | 4,360 |
| Pretax return on assets | 0.7414% | 3,863 |
| Return on Equity (ROE) | 3.3410% | 4,772 |
| Retained earnings to average equity (ytd only) | 3.3410% | 3,470 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4692% | 1,252 |
| Assets per employee ($millions) | 4.9221% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2163% | 1,214 |
| Loan loss allowance to noncurrent loans | 337.6623% | 935 |
| Noncurrent assets plus other real estate owned to assets | 1.0742% | 4,814 |
| Noncurrent loans to loans | 0.6564% | 5,945 |
| Net loans and leases to total assets | 48.5541% | 6,987 |
| Net loans and leases to deposits | 56.8398% | 7,103 |
| Net loans and leases to core deposits | 66.1298% | 7,208 |
| Total domestic deposits to total assets | 85.4228% | 3,052 |
| Equity capital to assets | 13.7374% | 1,407 |
| Core capital (leverage) ratio | 13.5026% | 1,272 |
| Tier 1 risk-based capital ratio | 16.6775% | 2,401 |
| Total risk-based capital ratio | 17.9292% | 2,346 |
| Memoranda: | ||
| Average total assets | $115,729,670 | 4,736 |
| Average earning assets | $105,306,330 | 4,747 |
| Average equity | $15,983,330 | 3,924 |
| Average total loans | $59,703,670 | 5,347 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7462% | 3,550 |
| Cost of funding earning assets | 0.9577% | 7,741 |
| Net interest margin | 4.7885% | 629 |
| Noninterest income to average assets | 0.3982% | 5,220 |
| Noninterest expense to average assets | 4.6730% | 605 |
| Loan and lease loss provision to assets | 1.1176% | 1,171 |
| Net operating income to assets | -0.6708% | 7,029 |
| Return on assets (ROA) | 0.4401% | 4,870 |
| Pretax return on assets | 0.6915% | 4,461 |
| Return on Equity (ROE) | 3.1776% | 5,290 |
| Retained earnings to average equity (ytd only) | 3.1776% | 4,106 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4547% | 1,195 |
| Assets per employee ($millions) | 5.3046% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0096% | 1,394 |
| Loan loss allowance to noncurrent loans | 290.5569% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 1.1414% | 4,391 |
| Noncurrent loans to loans | 0.6916% | 5,678 |
| Net loans and leases to total assets | 50.1392% | 6,850 |
| Net loans and leases to deposits | 61.3949% | 6,777 |
| Net loans and leases to core deposits | 71.1586% | 6,954 |
| Total domestic deposits to total assets | 81.6668% | 4,692 |
| Equity capital to assets | 13.5097% | 1,528 |
| Core capital (leverage) ratio | 13.8891% | 1,211 |
| Tier 1 risk-based capital ratio | 16.2212% | 2,604 |
| Total risk-based capital ratio | 17.4709% | 2,551 |
| Memoranda: | ||
| Average total assets | $114,529,500 | 4,789 |
| Average earning assets | $103,999,500 | 4,804 |
| Average equity | $15,861,000 | 3,974 |
| Average total loans | $60,227,000 | 5,354 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1862% | 4,587 |
| Cost of funding earning assets | 1.2829% | 7,863 |
| Net interest margin | 4.9033% | 628 |
| Noninterest income to average assets | 0.3133% | 6,212 |
| Noninterest expense to average assets | 3.9396% | 1,502 |
| Loan and lease loss provision to assets | -0.0046% | 8,196 |
| Net operating income to assets | 0.4938% | 4,768 |
| Return on assets (ROA) | 0.4814% | 4,643 |
| Pretax return on assets | 0.7800% | 4,143 |
| Return on Equity (ROE) | 3.4535% | 5,058 |
| Retained earnings to average equity (ytd only) | 3.4535% | 2,991 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2137% | 2,148 |
| Assets per employee ($millions) | 5.1072% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 2,932 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8437% | 4,742 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 53.2770% | 6,724 |
| Net loans and leases to deposits | 67.9081% | 6,472 |
| Net loans and leases to core deposits | 80.1331% | 6,603 |
| Total domestic deposits to total assets | 78.4546% | 5,563 |
| Equity capital to assets | 14.2010% | 1,373 |
| Core capital (leverage) ratio | 14.6004% | 1,122 |
| Tier 1 risk-based capital ratio | 17.2585% | 2,241 |
| Total risk-based capital ratio | 18.2621% | 2,260 |
| Memoranda: | ||
| Average total assets | $108,842,600 | 4,812 |
| Average earning assets | $98,138,000 | 4,861 |
| Average equity | $15,172,800 | 4,106 |
| Average total loans | $66,811,600 | 4,988 |