Home > Texas Coastal Bank > Performance and Condition Ratios
Texas Coastal Bank, 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 | 5.2326% | 1,177 |
| Cost of funding earning assets | 0.6783% | 4,191 |
| Net interest margin | 4.5543% | 903 |
| Noninterest income to average assets | 0.5483% | 3,590 |
| Noninterest expense to average assets | 7.3100% | 136 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -2.8326% | 7,149 |
| Return on assets (ROA) | -2.8326% | 7,155 |
| Pretax return on assets | -2.7975% | 7,138 |
| Return on Equity (ROE) | -39.9669% | 7,144 |
| Retained earnings to average equity (ytd only) | -39.9669% | 7,138 |
| Net charge-offs to loans | 0.3883% | 2,467 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -11.3714% | 5,470 |
| Efficiency ratio | 161.9938% | 80 |
| Assets per employee ($millions) | 1.9330% | 7,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2028% | 1,758 |
| Loan loss allowance to noncurrent loans | 31.8064% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 6.3816% | 644 |
| Noncurrent loans to loans | 6.9257% | 567 |
| Net loans and leases to total assets | 60.3725% | 3,754 |
| Net loans and leases to deposits | 65.3886% | 4,588 |
| Net loans and leases to core deposits | 68.0552% | 4,777 |
| Total domestic deposits to total assets | 92.3287% | 182 |
| Equity capital to assets | 6.6699% | 6,960 |
| Core capital (leverage) ratio | 5.5785% | 7,023 |
| Tier 1 risk-based capital ratio | 8.5525% | 7,010 |
| Total risk-based capital ratio | 9.8098% | 7,011 |
| Memoranda: | ||
| Average total assets | $28,454,000 | 6,939 |
| Average earning assets | $24,767,670 | 6,941 |
| Average equity | $2,016,670 | 7,088 |
| Average total loans | $18,026,000 | 6,648 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4020% | 905 |
| Cost of funding earning assets | 0.6772% | 4,489 |
| Net interest margin | 4.7248% | 657 |
| Noninterest income to average assets | 0.5352% | 3,665 |
| Noninterest expense to average assets | 6.6964% | 157 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -2.0720% | 7,162 |
| Return on assets (ROA) | -2.0720% | 7,165 |
| Pretax return on assets | -2.0446% | 7,143 |
| Return on Equity (ROE) | -28.4570% | 7,158 |
| Retained earnings to average equity (ytd only) | -28.4570% | 7,119 |
| Net charge-offs to loans | 0.3853% | 2,150 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -8.2778% | 4,686 |
| Efficiency ratio | 143.9528% | 121 |
| Assets per employee ($millions) | 1.9360% | 7,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1058% | 2,090 |
| Loan loss allowance to noncurrent loans | 70.0000% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 3.8567% | 1,448 |
| Noncurrent loans to loans | 3.0083% | 2,147 |
| Net loans and leases to total assets | 61.6322% | 3,330 |
| Net loans and leases to deposits | 66.9710% | 4,238 |
| Net loans and leases to core deposits | 71.9981% | 4,152 |
| Total domestic deposits to total assets | 92.0282% | 249 |
| Equity capital to assets | 7.0592% | 6,925 |
| Core capital (leverage) ratio | 6.3539% | 6,989 |
| Tier 1 risk-based capital ratio | 9.2119% | 7,008 |
| Total risk-based capital ratio | 10.4708% | 7,008 |
| Memoranda: | ||
| Average total assets | $29,150,000 | 6,970 |
| Average earning assets | $25,398,000 | 6,970 |
| Average equity | $2,122,500 | 7,131 |
| Average total loans | $18,686,000 | 6,677 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3541% | 1,554 |
| Cost of funding earning assets | 0.7679% | 5,075 |
| Net interest margin | 4.5862% | 948 |
| Noninterest income to average assets | 0.5629% | 3,406 |
| Noninterest expense to average assets | 5.9792% | 210 |
| Loan and lease loss provision to assets | 0.2544% | 3,663 |
| Net operating income to assets | -2.2072% | 7,061 |
| Return on assets (ROA) | -2.2072% | 7,078 |
| Pretax return on assets | -1.6061% | 6,921 |
| Return on Equity (ROE) | -30.6944% | 7,101 |
| Retained earnings to average equity (ytd only) | -30.6944% | 7,094 |
| Net charge-offs to loans | 0.9677% | 1,781 |
| Credit loss provision to net charge-offs | 42.3280% | 5,589 |
| Earnings coverage of net charge-offs (x) | -2.2487% | 6,290 |
| Efficiency ratio | 129.2096% | 238 |
| Assets per employee ($millions) | 1.7212% | 7,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1112% | 1,976 |
| Loan loss allowance to noncurrent loans | 101.5113% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 3.3049% | 1,800 |
| Noncurrent loans to loans | 2.0797% | 3,095 |
| Net loans and leases to total assets | 63.8619% | 3,220 |
| Net loans and leases to deposits | 69.6693% | 4,162 |
| Net loans and leases to core deposits | 74.1243% | 4,225 |
| Total domestic deposits to total assets | 91.6644% | 290 |
| Equity capital to assets | 7.5017% | 6,809 |
| Core capital (leverage) ratio | 6.6559% | 6,950 |
| Tier 1 risk-based capital ratio | 9.7232% | 6,916 |
| Total risk-based capital ratio | 10.9823% | 6,907 |
| Memoranda: | ||
| Average total assets | $31,442,400 | 6,932 |
| Average earning assets | $27,866,400 | 6,930 |
| Average equity | $2,261,000 | 7,168 |
| Average total loans | $19,531,600 | 6,678 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1081% | 2,570 |
| Cost of funding earning assets | 0.7927% | 5,191 |
| Net interest margin | 4.3154% | 1,661 |
| Noninterest income to average assets | 0.5752% | 3,333 |
| Noninterest expense to average assets | 5.9062% | 209 |
| Loan and lease loss provision to assets | 0.3334% | 2,877 |
| Net operating income to assets | -1.1754% | 6,947 |
| Return on assets (ROA) | -1.1754% | 6,969 |
| Pretax return on assets | -1.8298% | 7,088 |
| Return on Equity (ROE) | -16.5089% | 7,045 |
| Retained earnings to average equity (ytd only) | -16.5089% | 7,023 |
| Net charge-offs to loans | 1.2829% | 1,209 |
| Credit loss provision to net charge-offs | 42.3280% | 5,193 |
| Earnings coverage of net charge-offs (x) | -1.8995% | 6,013 |
| Efficiency ratio | 133.9319% | 206 |
| Assets per employee ($millions) | 1.7762% | 7,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0818% | 2,110 |
| Loan loss allowance to noncurrent loans | 64.7436% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 3.9543% | 1,552 |
| Noncurrent loans to loans | 3.2155% | 2,162 |
| Net loans and leases to total assets | 62.9309% | 3,523 |
| Net loans and leases to deposits | 69.5178% | 4,377 |
| Net loans and leases to core deposits | 76.0841% | 4,187 |
| Total domestic deposits to total assets | 90.5249% | 627 |
| Equity capital to assets | 8.6372% | 6,161 |
| Core capital (leverage) ratio | 7.1986% | 6,900 |
| Tier 1 risk-based capital ratio | 10.0466% | 6,940 |
| Total risk-based capital ratio | 11.3105% | 6,927 |
| Memoranda: | ||
| Average total assets | $31,988,000 | 6,987 |
| Average earning assets | $28,424,750 | 6,982 |
| Average equity | $2,277,500 | 7,241 |
| Average total loans | $19,642,250 | 6,746 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0312% | 3,005 |
| Cost of funding earning assets | 0.8146% | 5,277 |
| Net interest margin | 4.2166% | 1,969 |
| Noninterest income to average assets | 0.6199% | 3,006 |
| Noninterest expense to average assets | 5.6098% | 252 |
| Loan and lease loss provision to assets | 0.3928% | 2,454 |
| Net operating income to assets | -1.0066% | 6,945 |
| Return on assets (ROA) | -1.0066% | 6,951 |
| Pretax return on assets | -1.6019% | 7,098 |
| Return on Equity (ROE) | -15.1338% | 7,070 |
| Retained earnings to average equity (ytd only) | -15.1338% | 7,043 |
| Net charge-offs to loans | 1.9674% | 685 |
| Credit loss provision to net charge-offs | 32.9897% | 4,945 |
| Earnings coverage of net charge-offs (x) | -1.0155% | 5,632 |
| Efficiency ratio | 127.4756% | 278 |
| Assets per employee ($millions) | 1.8742% | 7,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9259% | 2,587 |
| Loan loss allowance to noncurrent loans | 61.6747% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 3.7725% | 1,727 |
| Noncurrent loans to loans | 3.1226% | 2,307 |
| Net loans and leases to total assets | 61.2140% | 4,042 |
| Net loans and leases to deposits | 66.1646% | 4,981 |
| Net loans and leases to core deposits | 72.6136% | 4,745 |
| Total domestic deposits to total assets | 92.5177% | 158 |
| Equity capital to assets | 6.5752% | 7,172 |
| Core capital (leverage) ratio | 6.4481% | 7,133 |
| Tier 1 risk-based capital ratio | 9.0791% | 7,167 |
| Total risk-based capital ratio | 10.3257% | 7,170 |
| Memoranda: | ||
| Average total assets | $32,585,670 | 7,029 |
| Average earning assets | $29,217,670 | 7,021 |
| Average equity | $2,167,330 | 7,324 |
| Average total loans | $19,721,000 | 6,808 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9993% | 3,106 |
| Cost of funding earning assets | 0.8601% | 5,207 |
| Net interest margin | 4.1392% | 2,122 |
| Noninterest income to average assets | 0.6313% | 2,956 |
| Noninterest expense to average assets | 5.4997% | 260 |
| Loan and lease loss provision to assets | 0.0728% | 5,089 |
| Net operating income to assets | -0.7163% | 6,922 |
| Return on assets (ROA) | -0.7163% | 6,929 |
| Pretax return on assets | -1.2019% | 7,059 |
| Return on Equity (ROE) | -10.7102% | 7,045 |
| Retained earnings to average equity (ytd only) | -10.7102% | 6,896 |
| Net charge-offs to loans | 2.5053% | 459 |
| Credit loss provision to net charge-offs | 4.8780% | 4,431 |
| Earnings coverage of net charge-offs (x) | -0.7561% | 4,859 |
| Efficiency ratio | 125.8333% | 293 |
| Assets per employee ($millions) | 2.6821% | 6,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0114% | 2,388 |
| Loan loss allowance to noncurrent loans | 71.6094% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 3.3152% | 2,057 |
| Noncurrent loans to loans | 2.8088% | 2,690 |
| Net loans and leases to total assets | 59.9410% | 4,276 |
| Net loans and leases to deposits | 64.5217% | 5,183 |
| Net loans and leases to core deposits | 69.7318% | 5,081 |
| Total domestic deposits to total assets | 92.9004% | 144 |
| Equity capital to assets | 6.7827% | 7,145 |
| Core capital (leverage) ratio | 6.5081% | 7,167 |
| Tier 1 risk-based capital ratio | 9.7075% | 7,090 |
| Total risk-based capital ratio | 11.0066% | 7,084 |
| Memoranda: | ||
| Average total assets | $32,947,500 | 7,074 |
| Average earning assets | $29,764,000 | 7,059 |
| Average equity | $2,203,500 | 7,370 |
| Average total loans | $19,638,000 | 6,861 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7476% | 5,629 |
| Cost of funding earning assets | 1.0750% | 5,286 |
| Net interest margin | 3.6726% | 4,482 |
| Noninterest income to average assets | 0.7280% | 2,660 |
| Noninterest expense to average assets | 4.6063% | 587 |
| Loan and lease loss provision to assets | 1.6056% | 898 |
| Net operating income to assets | -1.3370% | 6,849 |
| Return on assets (ROA) | -1.3370% | 6,871 |
| Pretax return on assets | -2.1454% | 7,076 |
| Return on Equity (ROE) | -18.1948% | 7,002 |
| Retained earnings to average equity (ytd only) | -18.1948% | 6,973 |
| Net charge-offs to loans | 2.5423% | 737 |
| Credit loss provision to net charge-offs | 109.2279% | 4,038 |
| Earnings coverage of net charge-offs (x) | -0.3672% | 6,396 |
| Efficiency ratio | 113.2743% | 485 |
| Assets per employee ($millions) | 2.5931% | 6,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6190% | 1,271 |
| Loan loss allowance to noncurrent loans | 87.2449% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 3.2691% | 2,165 |
| Noncurrent loans to loans | 3.0018% | 2,549 |
| Net loans and leases to total assets | 56.5856% | 5,247 |
| Net loans and leases to deposits | 60.7194% | 5,978 |
| Net loans and leases to core deposits | 64.7972% | 5,993 |
| Total domestic deposits to total assets | 93.1919% | 130 |
| Equity capital to assets | 6.5974% | 7,236 |
| Core capital (leverage) ratio | 6.4206% | 7,210 |
| Tier 1 risk-based capital ratio | 10.0096% | 6,980 |
| Total risk-based capital ratio | 11.0219% | 7,060 |
| Memoranda: | ||
| Average total assets | $36,124,600 | 7,001 |
| Average earning assets | $32,837,600 | 6,988 |
| Average equity | $2,654,600 | 7,362 |
| Average total loans | $20,886,200 | 6,875 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5673% | 6,420 |
| Cost of funding earning assets | 1.1159% | 5,342 |
| Net interest margin | 3.4514% | 5,490 |
| Noninterest income to average assets | 0.7260% | 2,670 |
| Noninterest expense to average assets | 3.7536% | 1,471 |
| Loan and lease loss provision to assets | 0.0653% | 6,410 |
| Net operating income to assets | 0.0508% | 5,879 |
| Return on assets (ROA) | 0.0508% | 6,014 |
| Pretax return on assets | 0.0508% | 6,003 |
| Return on Equity (ROE) | 0.6759% | 5,973 |
| Retained earnings to average equity (ytd only) | 0.6759% | 5,532 |
| Net charge-offs to loans | 0.6914% | 2,690 |
| Credit loss provision to net charge-offs | 16.3636% | 6,278 |
| Earnings coverage of net charge-offs (x) | 0.2909% | 5,737 |
| Efficiency ratio | 96.9981% | 871 |
| Assets per employee ($millions) | 2.8938% | 6,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8369% | 2,669 |
| Loan loss allowance to noncurrent loans | 27.3932% | 6,491 |
| Noncurrent assets plus other real estate owned to assets | 5.1980% | 1,209 |
| Noncurrent loans to loans | 6.7055% | 874 |
| Net loans and leases to total assets | 57.2498% | 5,368 |
| Net loans and leases to deposits | 62.5570% | 6,061 |
| Net loans and leases to core deposits | 66.2490% | 6,102 |
| Total domestic deposits to total assets | 91.5162% | 300 |
| Equity capital to assets | 7.9136% | 6,861 |
| Core capital (leverage) ratio | 7.8220% | 6,552 |
| Tier 1 risk-based capital ratio | 12.0851% | 5,374 |
| Total risk-based capital ratio | 13.3830% | 5,296 |
| Memoranda: | ||
| Average total assets | $36,728,250 | 7,070 |
| Average earning assets | $33,454,250 | 7,047 |
| Average equity | $2,762,250 | 7,434 |
| Average total loans | $21,210,750 | 6,952 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9547% | 5,160 |
| Cost of funding earning assets | 1.1844% | 5,211 |
| Net interest margin | 3.7702% | 4,047 |
| Noninterest income to average assets | 1.1873% | 915 |
| Noninterest expense to average assets | 3.9683% | 1,085 |
| Loan and lease loss provision to assets | 0.0642% | 6,309 |
| Net operating income to assets | 0.4332% | 4,610 |
| Return on assets (ROA) | 0.4332% | 4,765 |
| Pretax return on assets | 0.5936% | 4,585 |
| Return on Equity (ROE) | 5.8547% | 3,872 |
| Retained earnings to average equity (ytd only) | 5.8547% | 2,416 |
| Net charge-offs to loans | 0.0836% | 5,304 |
| Credit loss provision to net charge-offs | 133.3333% | 3,012 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 1,573 |
| Efficiency ratio | 85.7803% | 1,740 |
| Assets per employee ($millions) | 2.6236% | 6,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2813% | 1,621 |
| Loan loss allowance to noncurrent loans | 36.8297% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 4.6691% | 1,392 |
| Noncurrent loans to loans | 6.1941% | 1,012 |
| Net loans and leases to total assets | 54.4608% | 5,923 |
| Net loans and leases to deposits | 59.4278% | 6,464 |
| Net loans and leases to core deposits | 62.3411% | 6,526 |
| Total domestic deposits to total assets | 91.6419% | 305 |
| Equity capital to assets | 7.6012% | 7,050 |
| Core capital (leverage) ratio | 7.3393% | 6,966 |
| Tier 1 risk-based capital ratio | 10.9018% | 6,340 |
| Total risk-based capital ratio | 12.7464% | 5,741 |
| Memoranda: | ||
| Average total assets | $37,396,000 | 7,095 |
| Average earning assets | $34,109,330 | 7,080 |
| Average equity | $2,767,000 | 7,486 |
| Average total loans | $21,530,330 | 6,990 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9172% | 5,377 |
| Cost of funding earning assets | 1.2584% | 5,070 |
| Net interest margin | 3.6588% | 4,443 |
| Noninterest income to average assets | 1.5161% | 526 |
| Noninterest expense to average assets | 3.7531% | 1,409 |
| Loan and lease loss provision to assets | 0.0636% | 6,008 |
| Net operating income to assets | 0.8164% | 2,896 |
| Return on assets (ROA) | 0.8164% | 2,992 |
| Pretax return on assets | 1.0284% | 2,976 |
| Return on Equity (ROE) | 11.1817% | 1,726 |
| Retained earnings to average equity (ytd only) | 11.1817% | 882 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4617% | 2,981 |
| Assets per employee ($millions) | 2.6841% | 6,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1860% | 1,782 |
| Loan loss allowance to noncurrent loans | 31.2916% | 6,327 |
| Noncurrent assets plus other real estate owned to assets | 5.1867% | 1,221 |
| Noncurrent loans to loans | 6.9860% | 852 |
| Net loans and leases to total assets | 55.9651% | 5,750 |
| Net loans and leases to deposits | 61.0184% | 6,360 |
| Net loans and leases to core deposits | 64.7994% | 6,393 |
| Total domestic deposits to total assets | 91.7183% | 318 |
| Equity capital to assets | 7.4381% | 7,116 |
| Core capital (leverage) ratio | 7.1765% | 7,123 |
| Tier 1 risk-based capital ratio | 10.9722% | 6,183 |
| Total risk-based capital ratio | 12.8434% | 5,555 |
| Memoranda: | ||
| Average total assets | $37,728,500 | 7,177 |
| Average earning assets | $34,328,500 | 7,152 |
| Average equity | $2,754,500 | 7,567 |
| Average total loans | $22,060,000 | 7,046 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4811% | 4,248 |
| Cost of funding earning assets | 1.4597% | 5,681 |
| Net interest margin | 4.0214% | 2,776 |
| Noninterest income to average assets | 1.1999% | 1,072 |
| Noninterest expense to average assets | 5.5487% | 383 |
| Loan and lease loss provision to assets | 1.1138% | 2,056 |
| Net operating income to assets | -1.2028% | 6,712 |
| Return on assets (ROA) | -1.2028% | 6,709 |
| Pretax return on assets | -1.8486% | 6,880 |
| Return on Equity (ROE) | -13.8111% | 6,867 |
| Retained earnings to average equity (ytd only) | -16.5139% | 6,961 |
| Net charge-offs to loans | 0.1759% | 5,543 |
| Credit loss provision to net charge-offs | 970.0000% | 302 |
| Earnings coverage of net charge-offs (x) | -6.4000% | 7,129 |
| Efficiency ratio | 115.2654% | 681 |
| Assets per employee ($millions) | 3.1567% | 5,840 |
| Cash dividends to net income (ytd only)* | -19.5704% | 7,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0513% | 1,911 |
| Loan loss allowance to noncurrent loans | 23.0045% | 6,914 |
| Noncurrent assets plus other real estate owned to assets | 6.5048% | 839 |
| Noncurrent loans to loans | 8.9169% | 514 |
| Net loans and leases to total assets | 58.4900% | 5,583 |
| Net loans and leases to deposits | 63.5206% | 6,324 |
| Net loans and leases to core deposits | 90.0541% | 5,120 |
| Total domestic deposits to total assets | 92.0803% | 250 |
| Equity capital to assets | 7.1647% | 7,285 |
| Core capital (leverage) ratio | 7.1652% | 7,097 |
| Tier 1 risk-based capital ratio | 10.6869% | 6,219 |
| Total risk-based capital ratio | 12.5379% | 5,581 |
| Memoranda: | ||
| Average total assets | $34,836,800 | 7,289 |
| Average earning assets | $31,307,800 | 7,298 |
| Average equity | $3,033,800 | 7,578 |
| Average total loans | $22,742,000 | 7,042 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6186% | 3,753 |
| Cost of funding earning assets | 1.4866% | 5,877 |
| Net interest margin | 4.1320% | 2,281 |
| Noninterest income to average assets | 1.3734% | 800 |
| Noninterest expense to average assets | 6.1665% | 291 |
| Loan and lease loss provision to assets | 0.5321% | 3,254 |
| Net operating income to assets | -1.0682% | 6,870 |
| Return on assets (ROA) | -1.0682% | 6,881 |
| Pretax return on assets | -1.6277% | 7,022 |
| Return on Equity (ROE) | -11.6898% | 7,001 |
| Retained earnings to average equity (ytd only) | -14.0878% | 7,079 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.6049% | 568 |
| Assets per employee ($millions) | 3.1525% | 5,776 |
| Cash dividends to net income (ytd only)* | -20.5116% | 7,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 5,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 61.0732% | 5,412 |
| Net loans and leases to deposits | 66.3889% | 6,274 |
| Net loans and leases to core deposits | 95.6450% | 4,850 |
| Total domestic deposits to total assets | 91.9931% | 178 |
| Equity capital to assets | 7.5628% | 7,251 |
| Core capital (leverage) ratio | 7.6789% | 6,758 |
| Tier 1 risk-based capital ratio | 11.0081% | 5,945 |
| Total risk-based capital ratio | 11.9777% | 6,190 |
| Memoranda: | ||
| Average total assets | $34,076,000 | 7,380 |
| Average earning assets | $30,493,250 | 7,398 |
| Average equity | $3,113,750 | 7,630 |
| Average total loans | $22,772,500 | 7,107 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7347% | 3,367 |
| Cost of funding earning assets | 1.4990% | 6,146 |
| Net interest margin | 4.2357% | 1,861 |
| Noninterest income to average assets | 1.4867% | 670 |
| Noninterest expense to average assets | 4.2346% | 1,029 |
| Loan and lease loss provision to assets | 0.0487% | 6,745 |
| Net operating income to assets | 0.7312% | 3,132 |
| Return on assets (ROA) | 0.7312% | 3,237 |
| Pretax return on assets | 0.9566% | 3,158 |
| Return on Equity (ROE) | 7.5047% | 2,976 |
| Retained earnings to average equity (ytd only) | 4.0025% | 3,058 |
| Net charge-offs to loans | 0.0266% | 6,104 |
| Credit loss provision to net charge-offs | 266.6667% | 1,749 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 643 |
| Efficiency ratio | 80.8140% | 2,916 |
| Assets per employee ($millions) | 2.9271% | 6,319 |
| Cash dividends to net income (ytd only)* | 46.6667% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5273% | 7,757 |
| Loan loss allowance to noncurrent loans | 95.2756% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3616% | 6,548 |
| Noncurrent loans to loans | 0.5535% | 6,161 |
| Net loans and leases to total assets | 64.9822% | 4,767 |
| Net loans and leases to deposits | 71.9782% | 5,741 |
| Net loans and leases to core deposits | 95.6061% | 4,947 |
| Total domestic deposits to total assets | 90.2804% | 715 |
| Equity capital to assets | 9.1843% | 5,041 |
| Core capital (leverage) ratio | 9.3794% | 4,055 |
| Tier 1 risk-based capital ratio | 12.6256% | 4,422 |
| Total risk-based capital ratio | 13.0985% | 4,969 |
| Memoranda: | ||
| Average total assets | $32,824,670 | 7,493 |
| Average earning assets | $29,086,000 | 7,528 |
| Average equity | $3,198,000 | 7,662 |
| Average total loans | $22,578,000 | 7,176 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2201% | 1,535 |
| Cost of funding earning assets | 1.5260% | 6,324 |
| Net interest margin | 4.6942% | 772 |
| Noninterest income to average assets | 1.5280% | 596 |
| Noninterest expense to average assets | 4.5462% | 680 |
| Loan and lease loss provision to assets | 0.0253% | 6,598 |
| Net operating income to assets | 0.7830% | 3,201 |
| Return on assets (ROA) | 0.7830% | 3,368 |
| Pretax return on assets | 1.0355% | 3,224 |
| Return on Equity (ROE) | 7.7889% | 3,247 |
| Retained earnings to average equity (ytd only) | 4.2714% | 3,531 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0811% | 2,665 |
| Assets per employee ($millions) | 2.7167% | 6,846 |
| Cash dividends to net income (ytd only)* | 45.1613% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5192% | 7,795 |
| Loan loss allowance to noncurrent loans | 101.7241% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3650% | 6,413 |
| Noncurrent loans to loans | 0.5104% | 6,151 |
| Net loans and leases to total assets | 69.3497% | 3,834 |
| Net loans and leases to deposits | 77.3796% | 5,030 |
| Net loans and leases to core deposits | 100.6634% | 4,479 |
| Total domestic deposits to total assets | 89.6227% | 961 |
| Equity capital to assets | 9.8221% | 4,217 |
| Core capital (leverage) ratio | 10.0871% | 3,308 |
| Tier 1 risk-based capital ratio | 13.3897% | 3,933 |
| Total risk-based capital ratio | 13.8838% | 4,365 |
| Memoranda: | ||
| Average total assets | $31,674,500 | 7,584 |
| Average earning assets | $27,523,500 | 7,627 |
| Average equity | $3,184,000 | 7,722 |
| Average total loans | $22,394,000 | 7,227 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6374% | 2,302 |
| Cost of funding earning assets | 2.2429% | 5,406 |
| Net interest margin | 4.3945% | 1,699 |
| Noninterest income to average assets | 1.4487% | 676 |
| Noninterest expense to average assets | 4.3397% | 1,002 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6250% | 4,206 |
| Return on assets (ROA) | 0.6951% | 3,747 |
| Pretax return on assets | 0.9615% | 3,517 |
| Return on Equity (ROE) | 6.7363% | 3,657 |
| Retained earnings to average equity (ytd only) | 0.6296% | 4,860 |
| Net charge-offs to loans | 0.3398% | 3,133 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 3.9118% | 4,185 |
| Efficiency ratio | 83.3958% | 2,125 |
| Assets per employee ($millions) | 2.5624% | 7,081 |
| Cash dividends to net income (ytd only)* | 90.6542% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5258% | 7,808 |
| Loan loss allowance to noncurrent loans | 57.1429% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 0.6699% | 5,210 |
| Noncurrent loans to loans | 0.9201% | 4,783 |
| Net loans and leases to total assets | 71.3714% | 3,716 |
| Net loans and leases to deposits | 80.1680% | 5,019 |
| Net loans and leases to core deposits | 100.4256% | 4,784 |
| Total domestic deposits to total assets | 89.0273% | 1,030 |
| Equity capital to assets | 10.2963% | 3,716 |
| Core capital (leverage) ratio | 10.1034% | 3,353 |
| Tier 1 risk-based capital ratio | 13.7240% | 3,681 |
| Total risk-based capital ratio | 14.2269% | 4,042 |
| Memoranda: | ||
| Average total assets | $30,785,200 | 7,609 |
| Average earning assets | $26,305,600 | 7,681 |
| Average equity | $3,176,800 | 7,777 |
| Average total loans | $20,009,200 | 7,336 |