Home > Security Business Bank of San Diego > Performance and Condition Ratios
Security Business Bank of San Diego, Performance and Condition Ratios
| 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 | 4.5373% | 3,617 |
| Cost of funding earning assets | 0.1920% | 7,044 |
| Net interest margin | 4.3453% | 1,351 |
| Noninterest income to average assets | 0.3985% | 4,661 |
| Noninterest expense to average assets | 3.5985% | 1,580 |
| Loan and lease loss provision to assets | 0.0647% | 4,836 |
| Net operating income to assets | 0.4985% | 4,825 |
| Return on assets (ROA) | 0.4985% | 5,081 |
| Pretax return on assets | 0.8142% | 4,428 |
| Return on Equity (ROE) | 4.0754% | 5,228 |
| Retained earnings to average equity (ytd only) | 4.0754% | 3,892 |
| Net charge-offs to loans | 0.0473% | 4,731 |
| Credit loss provision to net charge-offs | 174.4186% | 1,615 |
| Earnings coverage of net charge-offs (x) | 23.6977% | 1,246 |
| Efficiency ratio | 80.3699% | 2,114 |
| Assets per employee ($millions) | 6.0928% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 3,752 |
| Loan loss allowance to noncurrent loans | 135.3987% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 1.0710% | 4,242 |
| Noncurrent loans to loans | 1.1509% | 4,229 |
| Net loans and leases to total assets | 74.9442% | 1,110 |
| Net loans and leases to deposits | 88.0086% | 1,364 |
| Net loans and leases to core deposits | 88.8012% | 2,122 |
| Total domestic deposits to total assets | 85.1556% | 3,792 |
| Equity capital to assets | 12.0849% | 2,084 |
| Core capital (leverage) ratio | 12.7009% | 1,260 |
| Tier 1 risk-based capital ratio | 15.0491% | 3,740 |
| Total risk-based capital ratio | 16.3024% | 3,693 |
| Memoranda: | ||
| Average total assets | $231,877,000 | 2,734 |
| Average earning assets | $217,661,330 | 2,674 |
| Average equity | $28,365,000 | 2,364 |
| Average total loans | $181,639,330 | 2,200 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6567% | 3,229 |
| Cost of funding earning assets | 0.2069% | 7,094 |
| Net interest margin | 4.4498% | 1,110 |
| Noninterest income to average assets | 0.3895% | 4,747 |
| Noninterest expense to average assets | 3.5283% | 1,698 |
| Loan and lease loss provision to assets | 0.1310% | 3,709 |
| Net operating income to assets | 0.5485% | 4,606 |
| Return on assets (ROA) | 0.5485% | 4,818 |
| Pretax return on assets | 0.8995% | 4,035 |
| Return on Equity (ROE) | 4.4556% | 5,064 |
| Retained earnings to average equity (ytd only) | 4.4556% | 3,918 |
| Net charge-offs to loans | 0.1011% | 3,530 |
| Credit loss provision to net charge-offs | 163.0435% | 1,560 |
| Earnings coverage of net charge-offs (x) | 12.8261% | 1,572 |
| Efficiency ratio | 77.3946% | 2,585 |
| Assets per employee ($millions) | 5.3482% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5469% | 3,957 |
| Loan loss allowance to noncurrent loans | 128.8787% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 1.1789% | 4,160 |
| Noncurrent loans to loans | 1.2003% | 4,330 |
| Net loans and leases to total assets | 79.7875% | 427 |
| Net loans and leases to deposits | 97.9462% | 446 |
| Net loans and leases to core deposits | 98.9220% | 1,056 |
| Total domestic deposits to total assets | 81.4605% | 5,476 |
| Equity capital to assets | 12.6363% | 1,637 |
| Core capital (leverage) ratio | 12.2377% | 1,468 |
| Tier 1 risk-based capital ratio | 14.6905% | 3,959 |
| Total risk-based capital ratio | 15.9434% | 3,920 |
| Memoranda: | ||
| Average total assets | $229,006,500 | 2,776 |
| Average earning assets | $214,573,000 | 2,716 |
| Average equity | $28,189,500 | 2,377 |
| Average total loans | $182,009,000 | 2,210 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6586% | 4,427 |
| Cost of funding earning assets | 0.2680% | 7,154 |
| Net interest margin | 4.3906% | 1,414 |
| Noninterest income to average assets | 0.4082% | 4,554 |
| Noninterest expense to average assets | 3.7375% | 1,462 |
| Loan and lease loss provision to assets | 0.8475% | 1,145 |
| Net operating income to assets | -0.0551% | 6,115 |
| Return on assets (ROA) | 0.0869% | 6,011 |
| Pretax return on assets | 0.1189% | 5,937 |
| Return on Equity (ROE) | 0.7588% | 6,012 |
| Retained earnings to average equity (ytd only) | 0.7588% | 5,497 |
| Net charge-offs to loans | 1.4576% | 1,110 |
| Credit loss provision to net charge-offs | 77.5930% | 4,575 |
| Earnings coverage of net charge-offs (x) | 0.7067% | 5,281 |
| Efficiency ratio | 82.8843% | 1,901 |
| Assets per employee ($millions) | 5.3043% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 3,876 |
| Loan loss allowance to noncurrent loans | 128.4332% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.9298% | 4,748 |
| Noncurrent loans to loans | 1.1924% | 4,384 |
| Net loans and leases to total assets | 76.7788% | 855 |
| Net loans and leases to deposits | 98.9257% | 507 |
| Net loans and leases to core deposits | 101.0472% | 1,090 |
| Total domestic deposits to total assets | 77.6126% | 6,254 |
| Equity capital to assets | 11.9949% | 2,132 |
| Core capital (leverage) ratio | 11.8045% | 1,707 |
| Tier 1 risk-based capital ratio | 14.3949% | 4,047 |
| Total risk-based capital ratio | 15.6473% | 4,017 |
| Memoranda: | ||
| Average total assets | $231,277,400 | 2,709 |
| Average earning assets | $216,031,200 | 2,659 |
| Average equity | $26,489,000 | 2,436 |
| Average total loans | $173,296,600 | 2,340 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6658% | 4,609 |
| Cost of funding earning assets | 0.2802% | 7,241 |
| Net interest margin | 4.3857% | 1,447 |
| Noninterest income to average assets | 0.4120% | 4,570 |
| Noninterest expense to average assets | 3.7737% | 1,350 |
| Loan and lease loss provision to assets | 0.9592% | 917 |
| Net operating income to assets | -0.2265% | 6,411 |
| Return on assets (ROA) | 0.0335% | 6,200 |
| Pretax return on assets | 0.0272% | 6,199 |
| Return on Equity (ROE) | 0.2961% | 6,198 |
| Retained earnings to average equity (ytd only) | 0.2961% | 5,862 |
| Net charge-offs to loans | 1.7203% | 803 |
| Credit loss provision to net charge-offs | 75.1812% | 4,306 |
| Earnings coverage of net charge-offs (x) | 0.5693% | 5,195 |
| Efficiency ratio | 83.8598% | 1,744 |
| Assets per employee ($millions) | 5.0860% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5744% | 3,780 |
| Loan loss allowance to noncurrent loans | 138.3818% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 1.2472% | 4,305 |
| Noncurrent loans to loans | 1.1377% | 4,644 |
| Net loans and leases to total assets | 74.9526% | 1,150 |
| Net loans and leases to deposits | 91.3393% | 1,068 |
| Net loans and leases to core deposits | 92.2043% | 1,980 |
| Total domestic deposits to total assets | 82.0594% | 5,073 |
| Equity capital to assets | 11.9065% | 2,325 |
| Core capital (leverage) ratio | 11.0387% | 2,356 |
| Tier 1 risk-based capital ratio | 14.7596% | 3,800 |
| Total risk-based capital ratio | 16.0125% | 3,774 |
| Memoranda: | ||
| Average total assets | $230,749,250 | 2,723 |
| Average earning assets | $215,089,750 | 2,682 |
| Average equity | $26,112,500 | 2,466 |
| Average total loans | $171,125,500 | 2,377 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6578% | 4,716 |
| Cost of funding earning assets | 0.2883% | 7,325 |
| Net interest margin | 4.3696% | 1,464 |
| Noninterest income to average assets | 0.4197% | 4,513 |
| Noninterest expense to average assets | 3.7722% | 1,393 |
| Loan and lease loss provision to assets | 0.4006% | 2,419 |
| Net operating income to assets | 0.1951% | 5,757 |
| Return on assets (ROA) | 0.3483% | 5,312 |
| Pretax return on assets | 0.5651% | 4,859 |
| Return on Equity (ROE) | 3.1334% | 5,342 |
| Retained earnings to average equity (ytd only) | 3.1334% | 4,281 |
| Net charge-offs to loans | 0.8461% | 1,812 |
| Credit loss provision to net charge-offs | 64.4258% | 4,225 |
| Earnings coverage of net charge-offs (x) | 1.1681% | 4,404 |
| Efficiency ratio | 83.8560% | 1,833 |
| Assets per employee ($millions) | 4.9675% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8254% | 2,905 |
| Loan loss allowance to noncurrent loans | 87.8401% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.9159% | 3,356 |
| Noncurrent loans to loans | 2.0781% | 3,377 |
| Net loans and leases to total assets | 71.3900% | 1,909 |
| Net loans and leases to deposits | 86.0751% | 1,784 |
| Net loans and leases to core deposits | 87.5665% | 2,693 |
| Total domestic deposits to total assets | 82.9392% | 4,782 |
| Equity capital to assets | 11.0078% | 2,940 |
| Core capital (leverage) ratio | 10.8728% | 2,356 |
| Tier 1 risk-based capital ratio | 13.8113% | 4,298 |
| Total risk-based capital ratio | 15.0665% | 4,268 |
| Memoranda: | ||
| Average total assets | $229,680,330 | 2,758 |
| Average earning assets | $214,391,000 | 2,709 |
| Average equity | $25,531,330 | 2,508 |
| Average total loans | $168,780,330 | 2,426 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7047% | 4,504 |
| Cost of funding earning assets | 0.2990% | 7,389 |
| Net interest margin | 4.4057% | 1,261 |
| Noninterest income to average assets | 0.4162% | 4,577 |
| Noninterest expense to average assets | 3.7070% | 1,521 |
| Loan and lease loss provision to assets | 0.2195% | 3,460 |
| Net operating income to assets | 0.3670% | 5,090 |
| Return on assets (ROA) | 0.3670% | 5,174 |
| Pretax return on assets | 0.6041% | 4,669 |
| Return on Equity (ROE) | 3.2853% | 5,246 |
| Retained earnings to average equity (ytd only) | 3.2853% | 4,216 |
| Net charge-offs to loans | 1.6971% | 778 |
| Credit loss provision to net charge-offs | 17.5070% | 4,285 |
| Earnings coverage of net charge-offs (x) | 0.6569% | 4,134 |
| Efficiency ratio | 81.8217% | 2,252 |
| Assets per employee ($millions) | 5.4988% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6915% | 3,366 |
| Loan loss allowance to noncurrent loans | 117.4671% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 1.4492% | 4,097 |
| Noncurrent loans to loans | 1.4399% | 4,312 |
| Net loans and leases to total assets | 69.5589% | 2,209 |
| Net loans and leases to deposits | 83.9965% | 2,029 |
| Net loans and leases to core deposits | 85.5154% | 2,954 |
| Total domestic deposits to total assets | 82.8117% | 4,989 |
| Equity capital to assets | 11.0371% | 2,648 |
| Core capital (leverage) ratio | 10.8746% | 2,292 |
| Tier 1 risk-based capital ratio | 14.2924% | 3,876 |
| Total risk-based capital ratio | 15.5467% | 3,832 |
| Memoranda: | ||
| Average total assets | $227,785,000 | 2,794 |
| Average earning assets | $212,725,500 | 2,747 |
| Average equity | $25,447,000 | 2,500 |
| Average total loans | $168,283,500 | 2,458 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8020% | 5,402 |
| Cost of funding earning assets | 0.4073% | 7,420 |
| Net interest margin | 4.3947% | 1,489 |
| Noninterest income to average assets | 0.4439% | 4,569 |
| Noninterest expense to average assets | 3.5987% | 1,929 |
| Loan and lease loss provision to assets | 1.2972% | 1,188 |
| Net operating income to assets | -0.2104% | 6,124 |
| Return on assets (ROA) | -0.2061% | 6,174 |
| Pretax return on assets | -0.3689% | 6,222 |
| Return on Equity (ROE) | -1.6617% | 6,136 |
| Retained earnings to average equity (ytd only) | -4.6658% | 6,266 |
| Net charge-offs to loans | 1.1530% | 1,935 |
| Credit loss provision to net charge-offs | 145.0422% | 2,553 |
| Earnings coverage of net charge-offs (x) | 1.0306% | 5,083 |
| Efficiency ratio | 79.6097% | 2,465 |
| Assets per employee ($millions) | 5.2238% | 1,829 |
| Cash dividends to net income (ytd only)* | -180.7780% | 7,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9364% | 2,453 |
| Loan loss allowance to noncurrent loans | 44.8202% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 3.3305% | 2,121 |
| Noncurrent loans to loans | 4.3203% | 1,669 |
| Net loans and leases to total assets | 75.5959% | 1,351 |
| Net loans and leases to deposits | 91.7166% | 1,293 |
| Net loans and leases to core deposits | 93.4273% | 2,331 |
| Total domestic deposits to total assets | 82.4234% | 5,052 |
| Equity capital to assets | 11.3097% | 2,403 |
| Core capital (leverage) ratio | 10.7533% | 2,348 |
| Tier 1 risk-based capital ratio | 13.5606% | 4,159 |
| Total risk-based capital ratio | 14.8177% | 4,125 |
| Memoranda: | ||
| Average total assets | $211,990,400 | 2,962 |
| Average earning assets | $196,646,400 | 2,922 |
| Average equity | $26,297,600 | 2,430 |
| Average total loans | $164,446,200 | 2,557 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7803% | 5,737 |
| Cost of funding earning assets | 0.4293% | 7,540 |
| Net interest margin | 4.3510% | 1,675 |
| Noninterest income to average assets | 0.4373% | 4,654 |
| Noninterest expense to average assets | 3.5977% | 1,799 |
| Loan and lease loss provision to assets | 0.8076% | 1,879 |
| Net operating income to assets | 0.0419% | 5,901 |
| Return on assets (ROA) | 0.0485% | 6,020 |
| Pretax return on assets | 0.0658% | 5,977 |
| Return on Equity (ROE) | 0.3821% | 6,033 |
| Retained earnings to average equity (ytd only) | -1.3775% | 6,076 |
| Net charge-offs to loans | 0.5998% | 2,941 |
| Credit loss provision to net charge-offs | 173.2877% | 2,123 |
| Earnings coverage of net charge-offs (x) | 1.8548% | 4,317 |
| Efficiency ratio | 80.6267% | 2,263 |
| Assets per employee ($millions) | 5.2640% | 1,858 |
| Cash dividends to net income (ytd only)* | 460.5349% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8809% | 2,542 |
| Loan loss allowance to noncurrent loans | 27.5868% | 6,479 |
| Noncurrent assets plus other real estate owned to assets | 4.8588% | 1,343 |
| Noncurrent loans to loans | 6.8180% | 845 |
| Net loans and leases to total assets | 69.9245% | 2,747 |
| Net loans and leases to deposits | 85.2792% | 2,469 |
| Net loans and leases to core deposits | 86.8626% | 3,535 |
| Total domestic deposits to total assets | 81.9947% | 4,993 |
| Equity capital to assets | 11.6377% | 2,422 |
| Core capital (leverage) ratio | 11.6459% | 1,849 |
| Tier 1 risk-based capital ratio | 14.4916% | 3,514 |
| Total risk-based capital ratio | 15.7471% | 3,485 |
| Memoranda: | ||
| Average total assets | $208,832,500 | 3,036 |
| Average earning assets | $193,176,500 | 2,996 |
| Average equity | $26,521,000 | 2,458 |
| Average total loans | $162,268,250 | 2,623 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0840% | 4,541 |
| Cost of funding earning assets | 0.4678% | 7,584 |
| Net interest margin | 4.6162% | 961 |
| Noninterest income to average assets | 0.4414% | 4,596 |
| Noninterest expense to average assets | 3.7124% | 1,536 |
| Loan and lease loss provision to assets | 0.4335% | 3,146 |
| Net operating income to assets | 0.3400% | 5,026 |
| Return on assets (ROA) | 0.3488% | 5,144 |
| Pretax return on assets | 0.5774% | 4,638 |
| Return on Equity (ROE) | 2.6636% | 5,393 |
| Retained earnings to average equity (ytd only) | 0.0301% | 5,723 |
| Net charge-offs to loans | 0.4945% | 3,058 |
| Credit loss provision to net charge-offs | 109.4527% | 3,727 |
| Earnings coverage of net charge-offs (x) | 2.5174% | 3,743 |
| Efficiency ratio | 78.8285% | 2,600 |
| Assets per employee ($millions) | 5.5398% | 1,580 |
| Cash dividends to net income (ytd only)* | 98.8701% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 3,636 |
| Loan loss allowance to noncurrent loans | 45.6131% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 2.6421% | 2,733 |
| Noncurrent loans to loans | 3.4147% | 2,329 |
| Net loans and leases to total assets | 76.1702% | 1,464 |
| Net loans and leases to deposits | 94.5370% | 1,206 |
| Net loans and leases to core deposits | 96.7111% | 2,357 |
| Total domestic deposits to total assets | 80.5718% | 5,542 |
| Equity capital to assets | 12.6343% | 1,723 |
| Core capital (leverage) ratio | 12.8007% | 1,281 |
| Tier 1 risk-based capital ratio | 13.8827% | 3,815 |
| Total risk-based capital ratio | 15.1342% | 3,776 |
| Memoranda: | ||
| Average total assets | $202,993,330 | 3,123 |
| Average earning assets | $187,686,000 | 3,096 |
| Average equity | $26,580,670 | 2,440 |
| Average total loans | $162,588,330 | 2,657 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0894% | 4,579 |
| Cost of funding earning assets | 0.4868% | 7,690 |
| Net interest margin | 4.6026% | 948 |
| Noninterest income to average assets | 0.4357% | 4,599 |
| Noninterest expense to average assets | 3.6902% | 1,538 |
| Loan and lease loss provision to assets | 0.4015% | 2,963 |
| Net operating income to assets | 0.3594% | 5,028 |
| Return on assets (ROA) | 0.3594% | 5,156 |
| Pretax return on assets | 0.5963% | 4,618 |
| Return on Equity (ROE) | 2.6945% | 5,484 |
| Retained earnings to average equity (ytd only) | 1.5053% | 5,191 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7152% | 2,774 |
| Assets per employee ($millions) | 5.1754% | 1,994 |
| Cash dividends to net income (ytd only)* | 44.1341% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6822% | 3,129 |
| Loan loss allowance to noncurrent loans | 57.3280% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 2.7645% | 2,630 |
| Noncurrent loans to loans | 2.9343% | 2,744 |
| Net loans and leases to total assets | 78.1552% | 1,123 |
| Net loans and leases to deposits | 98.9096% | 828 |
| Net loans and leases to core deposits | 103.3654% | 1,790 |
| Total domestic deposits to total assets | 79.0168% | 6,074 |
| Equity capital to assets | 13.1875% | 1,448 |
| Core capital (leverage) ratio | 13.1918% | 1,160 |
| Tier 1 risk-based capital ratio | 14.2722% | 3,503 |
| Total risk-based capital ratio | 15.5251% | 3,467 |
| Memoranda: | ||
| Average total assets | $199,233,000 | 3,227 |
| Average earning assets | $184,068,000 | 3,204 |
| Average equity | $26,572,500 | 2,461 |
| Average total loans | $162,439,500 | 2,732 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2184% | 5,565 |
| Cost of funding earning assets | 0.8383% | 7,498 |
| Net interest margin | 4.3801% | 1,490 |
| Noninterest income to average assets | 0.4153% | 5,082 |
| Noninterest expense to average assets | 3.6424% | 2,052 |
| Loan and lease loss provision to assets | 0.4906% | 3,921 |
| Net operating income to assets | 0.2078% | 4,876 |
| Return on assets (ROA) | 0.2016% | 4,963 |
| Pretax return on assets | 0.3362% | 4,672 |
| Return on Equity (ROE) | 1.6359% | 5,042 |
| Retained earnings to average equity (ytd only) | -0.6465% | 5,155 |
| Net charge-offs to loans | 0.6454% | 3,257 |
| Credit loss provision to net charge-offs | 93.8662% | 5,858 |
| Earnings coverage of net charge-offs (x) | 1.6004% | 4,544 |
| Efficiency ratio | 81.3232% | 2,696 |
| Assets per employee ($millions) | 5.1743% | 1,975 |
| Cash dividends to net income (ytd only)* | 139.5181% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5198% | 3,623 |
| Loan loss allowance to noncurrent loans | 52.9113% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 2.8455% | 2,466 |
| Noncurrent loans to loans | 2.8723% | 2,684 |
| Net loans and leases to total assets | 82.3557% | 634 |
| Net loans and leases to deposits | 104.3753% | 632 |
| Net loans and leases to core deposits | 111.1919% | 2,775 |
| Total domestic deposits to total assets | 78.9034% | 6,004 |
| Equity capital to assets | 13.4912% | 1,324 |
| Core capital (leverage) ratio | 12.5450% | 1,430 |
| Tier 1 risk-based capital ratio | 14.3400% | 3,294 |
| Total risk-based capital ratio | 15.5918% | 3,244 |
| Memoranda: | ||
| Average total assets | $205,855,000 | 3,109 |
| Average earning assets | $190,979,400 | 3,084 |
| Average equity | $25,368,200 | 2,572 |
| Average total loans | $166,714,400 | 2,669 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2446% | 5,708 |
| Cost of funding earning assets | 0.8672% | 7,607 |
| Net interest margin | 4.3774% | 1,502 |
| Noninterest income to average assets | 0.4106% | 5,209 |
| Noninterest expense to average assets | 3.5824% | 2,067 |
| Loan and lease loss provision to assets | 0.2946% | 4,616 |
| Net operating income to assets | 0.3630% | 4,539 |
| Return on assets (ROA) | 0.3548% | 4,671 |
| Pretax return on assets | 0.5848% | 4,232 |
| Return on Equity (ROE) | 2.9454% | 4,820 |
| Retained earnings to average equity (ytd only) | 1.7172% | 4,350 |
| Net charge-offs to loans | 0.3682% | 3,812 |
| Credit loss provision to net charge-offs | 99.5671% | 5,136 |
| Earnings coverage of net charge-offs (x) | 3.0152% | 3,726 |
| Efficiency ratio | 80.0601% | 2,829 |
| Assets per employee ($millions) | 5.4650% | 1,645 |
| Cash dividends to net income (ytd only)* | 41.6963% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6127% | 2,941 |
| Loan loss allowance to noncurrent loans | 93.0984% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 1.7455% | 3,740 |
| Noncurrent loans to loans | 1.7323% | 4,038 |
| Net loans and leases to total assets | 75.2917% | 2,158 |
| Net loans and leases to deposits | 94.3103% | 1,831 |
| Net loans and leases to core deposits | 102.9640% | 4,056 |
| Total domestic deposits to total assets | 79.8340% | 5,506 |
| Equity capital to assets | 12.9219% | 1,728 |
| Core capital (leverage) ratio | 12.7554% | 1,468 |
| Tier 1 risk-based capital ratio | 14.6132% | 3,218 |
| Total risk-based capital ratio | 15.7881% | 3,204 |
| Memoranda: | ||
| Average total assets | $208,162,750 | 3,104 |
| Average earning assets | $193,259,500 | 3,076 |
| Average equity | $25,078,500 | 2,629 |
| Average total loans | $167,285,500 | 2,681 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2971% | 5,673 |
| Cost of funding earning assets | 0.9092% | 7,684 |
| Net interest margin | 4.3879% | 1,434 |
| Noninterest income to average assets | 0.4147% | 5,165 |
| Noninterest expense to average assets | 3.6443% | 1,963 |
| Loan and lease loss provision to assets | 0.1536% | 5,536 |
| Net operating income to assets | 0.4184% | 4,432 |
| Return on assets (ROA) | 0.4061% | 4,597 |
| Pretax return on assets | 0.6749% | 4,083 |
| Return on Equity (ROE) | 3.4540% | 4,730 |
| Retained earnings to average equity (ytd only) | 2.2292% | 4,097 |
| Net charge-offs to loans | 0.3704% | 3,335 |
| Credit loss provision to net charge-offs | 50.7937% | 5,754 |
| Earnings coverage of net charge-offs (x) | 2.8032% | 3,687 |
| Efficiency ratio | 81.1284% | 2,865 |
| Assets per employee ($millions) | 5.4000% | 1,667 |
| Cash dividends to net income (ytd only)* | 35.4610% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 3,541 |
| Loan loss allowance to noncurrent loans | 163.8341% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 1.0847% | 4,793 |
| Noncurrent loans to loans | 0.8764% | 5,460 |
| Net loans and leases to total assets | 76.5887% | 2,038 |
| Net loans and leases to deposits | 94.7648% | 1,981 |
| Net loans and leases to core deposits | 108.2763% | 3,577 |
| Total domestic deposits to total assets | 80.8197% | 5,142 |
| Equity capital to assets | 12.3330% | 2,011 |
| Core capital (leverage) ratio | 12.4877% | 1,629 |
| Tier 1 risk-based capital ratio | 13.9307% | 3,560 |
| Total risk-based capital ratio | 15.1812% | 3,497 |
| Memoranda: | ||
| Average total assets | $208,326,670 | 3,127 |
| Average earning assets | $193,578,330 | 3,095 |
| Average equity | $24,493,000 | 2,687 |
| Average total loans | $170,073,330 | 2,683 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3134% | 5,839 |
| Cost of funding earning assets | 0.9831% | 7,698 |
| Net interest margin | 4.3303% | 1,515 |
| Noninterest income to average assets | 0.4186% | 5,070 |
| Noninterest expense to average assets | 3.7596% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4049% | 4,836 |
| Return on assets (ROA) | 0.4049% | 5,018 |
| Pretax return on assets | 0.6827% | 4,492 |
| Return on Equity (ROE) | 3.5354% | 5,153 |
| Retained earnings to average equity (ytd only) | 2.3399% | 4,575 |
| Net charge-offs to loans | 0.3435% | 2,712 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 2.3741% | 3,543 |
| Efficiency ratio | 84.6323% | 2,236 |
| Assets per employee ($millions) | 5.1257% | 1,924 |
| Cash dividends to net income (ytd only)* | 33.8164% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4429% | 3,268 |
| Loan loss allowance to noncurrent loans | 135.2349% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 1.2974% | 4,086 |
| Noncurrent loans to loans | 1.0669% | 4,849 |
| Net loans and leases to total assets | 80.5574% | 1,280 |
| Net loans and leases to deposits | 100.6330% | 1,323 |
| Net loans and leases to core deposits | 120.9104% | 2,343 |
| Total domestic deposits to total assets | 80.0506% | 5,351 |
| Equity capital to assets | 12.8733% | 1,798 |
| Core capital (leverage) ratio | 12.8086% | 1,556 |
| Tier 1 risk-based capital ratio | 13.8418% | 3,671 |
| Total risk-based capital ratio | 15.0921% | 3,597 |
| Memoranda: | ||
| Average total assets | $204,491,000 | 3,190 |
| Average earning assets | $190,009,000 | 3,155 |
| Average equity | $23,420,000 | 2,827 |
| Average total loans | $171,190,000 | 2,689 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2329% | 4,338 |
| Cost of funding earning assets | 1.5169% | 7,581 |
| Net interest margin | 4.7160% | 940 |
| Noninterest income to average assets | 0.4542% | 5,007 |
| Noninterest expense to average assets | 3.4813% | 2,449 |
| Loan and lease loss provision to assets | 0.7635% | 1,959 |
| Net operating income to assets | 0.3606% | 5,311 |
| Return on assets (ROA) | -0.2946% | 6,584 |
| Pretax return on assets | -0.4277% | 6,574 |
| Return on Equity (ROE) | -2.8938% | 6,607 |
| Retained earnings to average equity (ytd only) | -2.8938% | 6,082 |
| Net charge-offs to loans | 0.4321% | 2,662 |
| Credit loss provision to net charge-offs | 218.7060% | 2,198 |
| Earnings coverage of net charge-offs (x) | 3.6821% | 4,255 |
| Efficiency ratio | 73.0326% | 3,744 |
| Assets per employee ($millions) | 4.7431% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4674% | 2,844 |
| Loan loss allowance to noncurrent loans | 74.8031% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 1.6813% | 2,890 |
| Noncurrent loans to loans | 1.9617% | 2,809 |
| Net loans and leases to total assets | 84.4464% | 817 |
| Net loans and leases to deposits | 112.2992% | 691 |
| Net loans and leases to core deposits | 127.0402% | 2,080 |
| Total domestic deposits to total assets | 75.1977% | 6,405 |
| Equity capital to assets | 10.0249% | 4,010 |
| Core capital (leverage) ratio | 9.9099% | 3,539 |
| Tier 1 risk-based capital ratio | 10.3707% | 6,343 |
| Total risk-based capital ratio | 11.6216% | 6,219 |
| Memoranda: | ||
| Average total assets | $203,659,200 | 3,094 |
| Average earning assets | $186,237,400 | 3,100 |
| Average equity | $20,734,000 | 3,130 |
| Average total loans | $164,545,400 | 2,705 |