Home > The First State Bank of Burlingame > Performance and Condition Ratios
The First State Bank of Burlingame, 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 | 5.1732% | 1,330 |
| Cost of funding earning assets | 1.3867% | 368 |
| Net interest margin | 3.7865% | 3,427 |
| Noninterest income to average assets | 0.4966% | 3,945 |
| Noninterest expense to average assets | 4.8931% | 406 |
| Loan and lease loss provision to assets | 3.0612% | 58 |
| Net operating income to assets | -4.3232% | 7,199 |
| Return on assets (ROA) | -4.3232% | 7,202 |
| Pretax return on assets | -4.3232% | 7,201 |
| Return on Equity (ROE) | -235.3045% | 7,233 |
| Retained earnings to average equity (ytd only) | -235.3045% | 7,233 |
| Net charge-offs to loans | 6.8210% | 25 |
| Credit loss provision to net charge-offs | 70.9434% | 3,535 |
| Earnings coverage of net charge-offs (x) | -0.2925% | 5,188 |
| Efficiency ratio | 134.7534% | 145 |
| Assets per employee ($millions) | 3.0174% | 6,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1609% | 1,861 |
| Loan loss allowance to noncurrent loans | 89.2966% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 1.4665% | 3,507 |
| Noncurrent loans to loans | 2.4199% | 2,482 |
| Net loans and leases to total assets | 54.7703% | 4,665 |
| Net loans and leases to deposits | 55.9264% | 5,654 |
| Net loans and leases to core deposits | 58.4276% | 5,742 |
| Total domestic deposits to total assets | 97.9328% | 6 |
| Equity capital to assets | 0.5385% | 7,237 |
| Core capital (leverage) ratio | 0.5243% | 7,237 |
| Tier 1 risk-based capital ratio | 1.0159% | 7,237 |
| Total risk-based capital ratio | 2.0319% | 7,237 |
| Memoranda: | ||
| Average total assets | $24,565,330 | 7,025 |
| Average earning assets | $20,335,670 | 7,043 |
| Average equity | $451,330 | 7,241 |
| Average total loans | $15,540,330 | 6,763 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6836% | 3,115 |
| Cost of funding earning assets | 1.2478% | 782 |
| Net interest margin | 3.4358% | 4,978 |
| Noninterest income to average assets | 0.5166% | 3,802 |
| Noninterest expense to average assets | 3.9712% | 964 |
| Loan and lease loss provision to assets | 1.5013% | 226 |
| Net operating income to assets | -1.7112% | 7,128 |
| Return on assets (ROA) | -1.7112% | 7,132 |
| Pretax return on assets | -1.7112% | 7,108 |
| Return on Equity (ROE) | -69.2810% | 7,252 |
| Retained earnings to average equity (ytd only) | -69.2810% | 7,245 |
| Net charge-offs to loans | 3.3345% | 201 |
| Credit loss provision to net charge-offs | 67.3913% | 2,970 |
| Earnings coverage of net charge-offs (x) | -0.0942% | 4,404 |
| Efficiency ratio | 105.5794% | 419 |
| Assets per employee ($millions) | 3.1384% | 5,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5801% | 1,250 |
| Loan loss allowance to noncurrent loans | 117.2515% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 1.5215% | 3,573 |
| Noncurrent loans to loans | 2.2005% | 2,915 |
| Net loans and leases to total assets | 60.3059% | 3,597 |
| Net loans and leases to deposits | 62.6101% | 4,823 |
| Net loans and leases to core deposits | 65.3164% | 4,985 |
| Total domestic deposits to total assets | 96.3198% | 32 |
| Equity capital to assets | 2.2424% | 7,270 |
| Core capital (leverage) ratio | 2.2264% | 7,268 |
| Tier 1 risk-based capital ratio | 4.3396% | 7,235 |
| Total risk-based capital ratio | 5.6188% | 7,235 |
| Memoranda: | ||
| Average total assets | $24,778,500 | 7,077 |
| Average earning assets | $23,401,000 | 7,037 |
| Average equity | $612,000 | 7,299 |
| Average total loans | $16,554,000 | 6,768 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5963% | 965 |
| Cost of funding earning assets | 1.5405% | 613 |
| Net interest margin | 4.0558% | 2,612 |
| Noninterest income to average assets | 0.4494% | 4,216 |
| Noninterest expense to average assets | 4.2483% | 761 |
| Loan and lease loss provision to assets | 1.3104% | 623 |
| Net operating income to assets | -1.2915% | 6,852 |
| Return on assets (ROA) | -1.2008% | 6,845 |
| Pretax return on assets | -1.2008% | 6,813 |
| Return on Equity (ROE) | -39.9297% | 7,161 |
| Retained earnings to average equity (ytd only) | -39.9297% | 7,157 |
| Net charge-offs to loans | 2.3080% | 541 |
| Credit loss provision to net charge-offs | 78.3296% | 4,533 |
| Earnings coverage of net charge-offs (x) | 0.0113% | 5,812 |
| Efficiency ratio | 99.5575% | 690 |
| Assets per employee ($millions) | 2.7167% | 6,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5390% | 1,263 |
| Loan loss allowance to noncurrent loans | 173.5409% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 1.5419% | 3,636 |
| Noncurrent loans to loans | 1.4631% | 3,964 |
| Net loans and leases to total assets | 70.0204% | 2,024 |
| Net loans and leases to deposits | 73.3662% | 3,608 |
| Net loans and leases to core deposits | 76.6270% | 3,884 |
| Total domestic deposits to total assets | 95.4397% | 48 |
| Equity capital to assets | 2.7035% | 7,288 |
| Core capital (leverage) ratio | 2.5611% | 7,289 |
| Tier 1 risk-based capital ratio | 4.4567% | 7,264 |
| Total risk-based capital ratio | 5.7262% | 7,263 |
| Memoranda: | ||
| Average total assets | $26,481,400 | 7,061 |
| Average earning assets | $24,927,000 | 7,013 |
| Average equity | $796,400 | 7,344 |
| Average total loans | $19,194,400 | 6,701 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6107% | 1,012 |
| Cost of funding earning assets | 1.6008% | 580 |
| Net interest margin | 4.0099% | 2,875 |
| Noninterest income to average assets | 0.3804% | 4,809 |
| Noninterest expense to average assets | 4.1200% | 872 |
| Loan and lease loss provision to assets | 1.7043% | 362 |
| Net operating income to assets | -1.6698% | 7,079 |
| Return on assets (ROA) | -1.6698% | 7,088 |
| Pretax return on assets | -1.6698% | 7,055 |
| Return on Equity (ROE) | -54.2800% | 7,305 |
| Retained earnings to average equity (ytd only) | -54.2800% | 7,301 |
| Net charge-offs to loans | 3.0201% | 314 |
| Credit loss provision to net charge-offs | 77.7027% | 4,223 |
| Earnings coverage of net charge-offs (x) | 0.0158% | 5,587 |
| Efficiency ratio | 99.1677% | 688 |
| Assets per employee ($millions) | 2.8120% | 6,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3599% | 1,605 |
| Loan loss allowance to noncurrent loans | 133.8369% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 1.3079% | 4,194 |
| Noncurrent loans to loans | 1.7633% | 3,688 |
| Net loans and leases to total assets | 72.4237% | 1,622 |
| Net loans and leases to deposits | 76.0161% | 3,330 |
| Net loans and leases to core deposits | 79.2503% | 3,743 |
| Total domestic deposits to total assets | 95.2742% | 49 |
| Equity capital to assets | 2.6988% | 7,372 |
| Core capital (leverage) ratio | 2.4607% | 7,375 |
| Tier 1 risk-based capital ratio | 3.7425% | 7,369 |
| Total risk-based capital ratio | 5.0114% | 7,369 |
| Memoranda: | ||
| Average total assets | $26,989,250 | 7,121 |
| Average earning assets | $25,403,250 | 7,072 |
| Average equity | $830,250 | 7,419 |
| Average total loans | $19,601,500 | 6,748 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5905% | 1,088 |
| Cost of funding earning assets | 1.6524% | 564 |
| Net interest margin | 3.9381% | 3,136 |
| Noninterest income to average assets | 0.4574% | 4,226 |
| Noninterest expense to average assets | 4.0944% | 920 |
| Loan and lease loss provision to assets | 0.9075% | 985 |
| Net operating income to assets | -0.8421% | 6,888 |
| Return on assets (ROA) | -0.8421% | 6,890 |
| Pretax return on assets | -0.8421% | 6,840 |
| Return on Equity (ROE) | -26.3837% | 7,209 |
| Retained earnings to average equity (ytd only) | -26.3837% | 7,200 |
| Net charge-offs to loans | 2.5053% | 474 |
| Credit loss provision to net charge-offs | 50.2008% | 4,579 |
| Earnings coverage of net charge-offs (x) | 0.0361% | 5,258 |
| Efficiency ratio | 98.4293% | 779 |
| Assets per employee ($millions) | 2.9382% | 6,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2136% | 1,892 |
| Loan loss allowance to noncurrent loans | 75.3153% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 3.2030% | 2,098 |
| Noncurrent loans to loans | 2.9392% | 2,476 |
| Net loans and leases to total assets | 69.8268% | 2,253 |
| Net loans and leases to deposits | 75.2353% | 3,610 |
| Net loans and leases to core deposits | 78.3378% | 4,016 |
| Total domestic deposits to total assets | 92.8112% | 136 |
| Equity capital to assets | 3.3127% | 7,422 |
| Core capital (leverage) ratio | 3.2028% | 7,415 |
| Tier 1 risk-based capital ratio | 4.9099% | 7,402 |
| Total risk-based capital ratio | 6.1930% | 7,403 |
| Memoranda: | ||
| Average total assets | $27,549,670 | 7,172 |
| Average earning assets | $25,901,000 | 7,126 |
| Average equity | $879,330 | 7,489 |
| Average total loans | $19,878,000 | 6,799 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6445% | 983 |
| Cost of funding earning assets | 1.7356% | 481 |
| Net interest margin | 3.9089% | 3,098 |
| Noninterest income to average assets | 0.4412% | 4,350 |
| Noninterest expense to average assets | 4.1704% | 844 |
| Loan and lease loss provision to assets | 1.2099% | 579 |
| Net operating income to assets | -1.2526% | 7,119 |
| Return on assets (ROA) | -1.2526% | 7,126 |
| Pretax return on assets | -1.2526% | 7,081 |
| Return on Equity (ROE) | -39.9546% | 7,375 |
| Retained earnings to average equity (ytd only) | -39.9546% | 7,357 |
| Net charge-offs to loans | 2.7091% | 407 |
| Credit loss provision to net charge-offs | 61.5942% | 3,521 |
| Earnings coverage of net charge-offs (x) | -0.0217% | 4,592 |
| Efficiency ratio | 101.0345% | 706 |
| Assets per employee ($millions) | 3.0206% | 6,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5041% | 1,452 |
| Loan loss allowance to noncurrent loans | 122.5564% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 2.5897% | 2,644 |
| Noncurrent loans to loans | 2.0432% | 3,519 |
| Net loans and leases to total assets | 70.0349% | 2,118 |
| Net loans and leases to deposits | 75.2143% | 3,551 |
| Net loans and leases to core deposits | 79.1379% | 3,860 |
| Total domestic deposits to total assets | 93.1138% | 129 |
| Equity capital to assets | 3.0863% | 7,483 |
| Core capital (leverage) ratio | 3.0203% | 7,483 |
| Tier 1 risk-based capital ratio | 4.8807% | 7,463 |
| Total risk-based capital ratio | 6.1640% | 7,461 |
| Memoranda: | ||
| Average total assets | $28,102,500 | 7,210 |
| Average earning assets | $26,503,500 | 7,160 |
| Average equity | $881,000 | 7,545 |
| Average total loans | $20,375,500 | 6,819 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6950% | 1,587 |
| Cost of funding earning assets | 2.0203% | 565 |
| Net interest margin | 3.6747% | 4,472 |
| Noninterest income to average assets | 0.4482% | 4,523 |
| Noninterest expense to average assets | 3.8931% | 1,326 |
| Loan and lease loss provision to assets | 1.7334% | 810 |
| Net operating income to assets | -1.0282% | 6,699 |
| Return on assets (ROA) | -0.8056% | 6,607 |
| Pretax return on assets | -1.3353% | 6,793 |
| Return on Equity (ROE) | -23.6126% | 7,102 |
| Retained earnings to average equity (ytd only) | -23.6126% | 7,080 |
| Net charge-offs to loans | 2.4460% | 769 |
| Credit loss provision to net charge-offs | 98.2238% | 4,710 |
| Earnings coverage of net charge-offs (x) | 0.0284% | 6,093 |
| Efficiency ratio | 98.7281% | 838 |
| Assets per employee ($millions) | 3.2244% | 5,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5538% | 1,339 |
| Loan loss allowance to noncurrent loans | 150.5556% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 1.2405% | 4,539 |
| Noncurrent loans to loans | 1.6963% | 3,962 |
| Net loans and leases to total assets | 71.2646% | 2,244 |
| Net loans and leases to deposits | 76.7014% | 3,730 |
| Net loans and leases to core deposits | 84.7131% | 3,491 |
| Total domestic deposits to total assets | 92.9118% | 147 |
| Equity capital to assets | 3.1806% | 7,552 |
| Core capital (leverage) ratio | 3.2354% | 7,541 |
| Tier 1 risk-based capital ratio | 5.0064% | 7,523 |
| Total risk-based capital ratio | 6.2913% | 7,525 |
| Memoranda: | ||
| Average total assets | $31,902,800 | 7,151 |
| Average earning assets | $30,342,600 | 7,076 |
| Average equity | $1,088,400 | 7,628 |
| Average total loans | $23,017,400 | 6,778 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7249% | 1,629 |
| Cost of funding earning assets | 2.0888% | 562 |
| Net interest margin | 3.6361% | 4,696 |
| Noninterest income to average assets | 0.4414% | 4,629 |
| Noninterest expense to average assets | 3.8703% | 1,244 |
| Loan and lease loss provision to assets | 2.2274% | 500 |
| Net operating income to assets | -1.3448% | 7,053 |
| Return on assets (ROA) | -1.0544% | 6,967 |
| Pretax return on assets | -1.7451% | 7,119 |
| Return on Equity (ROE) | -30.4483% | 7,393 |
| Retained earnings to average equity (ytd only) | -30.4483% | 7,384 |
| Net charge-offs to loans | 1.9659% | 970 |
| Credit loss provision to net charge-offs | 157.5145% | 2,427 |
| Earnings coverage of net charge-offs (x) | 0.0202% | 6,010 |
| Efficiency ratio | 99.2662% | 764 |
| Assets per employee ($millions) | 3.2700% | 5,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4284% | 572 |
| Loan loss allowance to noncurrent loans | 193.5567% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 1.5358% | 4,146 |
| Noncurrent loans to loans | 1.7713% | 3,988 |
| Net loans and leases to total assets | 71.8790% | 2,277 |
| Net loans and leases to deposits | 77.6607% | 3,892 |
| Net loans and leases to core deposits | 85.6195% | 3,713 |
| Total domestic deposits to total assets | 92.5552% | 126 |
| Equity capital to assets | 3.3197% | 7,680 |
| Core capital (leverage) ratio | 3.2061% | 7,664 |
| Tier 1 risk-based capital ratio | 4.8794% | 7,645 |
| Total risk-based capital ratio | 6.1579% | 7,647 |
| Memoranda: | ||
| Average total assets | $32,623,500 | 7,213 |
| Average earning assets | $31,021,750 | 7,135 |
| Average equity | $1,129,750 | 7,720 |
| Average total loans | $23,466,000 | 6,844 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7328% | 1,633 |
| Cost of funding earning assets | 2.1584% | 534 |
| Net interest margin | 3.5744% | 4,929 |
| Noninterest income to average assets | 0.4096% | 4,829 |
| Noninterest expense to average assets | 3.8768% | 1,221 |
| Loan and lease loss provision to assets | 2.2085% | 541 |
| Net operating income to assets | -1.2705% | 7,059 |
| Return on assets (ROA) | -1.2705% | 7,072 |
| Pretax return on assets | -2.2738% | 7,315 |
| Return on Equity (ROE) | -36.2506% | 7,501 |
| Retained earnings to average equity (ytd only) | -36.2506% | 7,491 |
| Net charge-offs to loans | 0.3669% | 3,526 |
| Credit loss provision to net charge-offs | 845.4545% | 440 |
| Earnings coverage of net charge-offs (x) | -0.2500% | 5,903 |
| Efficiency ratio | 101.7134% | 744 |
| Assets per employee ($millions) | 3.2272% | 5,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8888% | 403 |
| Loan loss allowance to noncurrent loans | 120.2186% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 2.2682% | 3,170 |
| Noncurrent loans to loans | 3.2348% | 2,475 |
| Net loans and leases to total assets | 67.3928% | 3,523 |
| Net loans and leases to deposits | 72.5886% | 4,897 |
| Net loans and leases to core deposits | 82.2953% | 4,377 |
| Total domestic deposits to total assets | 92.8421% | 121 |
| Equity capital to assets | 3.2474% | 7,741 |
| Core capital (leverage) ratio | 3.0778% | 7,738 |
| Tier 1 risk-based capital ratio | 4.7764% | 7,717 |
| Total risk-based capital ratio | 6.0616% | 7,716 |
| Memoranda: | ||
| Average total assets | $33,688,000 | 7,226 |
| Average earning assets | $32,061,000 | 7,154 |
| Average equity | $1,180,670 | 7,783 |
| Average total loans | $23,986,330 | 6,864 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8257% | 1,386 |
| Cost of funding earning assets | 2.1984% | 596 |
| Net interest margin | 3.6273% | 4,589 |
| Noninterest income to average assets | 0.4652% | 4,337 |
| Noninterest expense to average assets | 3.8842% | 1,199 |
| Loan and lease loss provision to assets | 0.6164% | 2,067 |
| Net operating income to assets | 1.3839% | 1,113 |
| Return on assets (ROA) | 1.3839% | 1,189 |
| Pretax return on assets | -0.5815% | 6,837 |
| Return on Equity (ROE) | 38.1716% | 41 |
| Retained earnings to average equity (ytd only) | 38.1716% | 32 |
| Net charge-offs to loans | 0.4379% | 2,735 |
| Credit loss provision to net charge-offs | 196.2963% | 1,888 |
| Earnings coverage of net charge-offs (x) | 0.1111% | 4,934 |
| Efficiency ratio | 99.1098% | 876 |
| Assets per employee ($millions) | 3.3520% | 5,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4779% | 1,328 |
| Loan loss allowance to noncurrent loans | 82.8080% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 2.2942% | 3,155 |
| Noncurrent loans to loans | 2.9924% | 2,683 |
| Net loans and leases to total assets | 67.8640% | 3,420 |
| Net loans and leases to deposits | 73.5848% | 4,809 |
| Net loans and leases to core deposits | 82.2475% | 4,451 |
| Total domestic deposits to total assets | 92.2255% | 202 |
| Equity capital to assets | 3.9946% | 7,793 |
| Core capital (leverage) ratio | 3.8693% | 7,788 |
| Tier 1 risk-based capital ratio | 6.0031% | 7,749 |
| Total risk-based capital ratio | 7.2711% | 7,752 |
| Memoranda: | ||
| Average total assets | $34,396,000 | 7,286 |
| Average earning assets | $32,751,500 | 7,210 |
| Average equity | $1,247,000 | 7,860 |
| Average total loans | $24,665,000 | 6,903 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2748% | 1,070 |
| Cost of funding earning assets | 2.4538% | 1,138 |
| Net interest margin | 3.8210% | 3,617 |
| Noninterest income to average assets | 2.1176% | 348 |
| Noninterest expense to average assets | 3.7205% | 1,862 |
| Loan and lease loss provision to assets | 5.9397% | 115 |
| Net operating income to assets | -3.9417% | 7,595 |
| Return on assets (ROA) | -3.6302% | 7,543 |
| Pretax return on assets | -3.6347% | 7,450 |
| Return on Equity (ROE) | -129.1151% | 7,975 |
| Retained earnings to average equity (ytd only) | -129.1151% | 7,975 |
| Net charge-offs to loans | 10.2083% | 34 |
| Credit loss provision to net charge-offs | 78.3036% | 6,329 |
| Earnings coverage of net charge-offs (x) | 0.2628% | 5,854 |
| Efficiency ratio | 65.1126% | 5,567 |
| Assets per employee ($millions) | 3.5272% | 4,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1228% | 1,784 |
| Loan loss allowance to noncurrent loans | 79.4245% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 2.1490% | 3,205 |
| Noncurrent loans to loans | 2.6727% | 2,868 |
| Net loans and leases to total assets | 72.1592% | 2,714 |
| Net loans and leases to deposits | 77.7564% | 4,427 |
| Net loans and leases to core deposits | 119.4930% | 1,990 |
| Total domestic deposits to total assets | 92.8017% | 152 |
| Equity capital to assets | 3.2746% | 7,902 |
| Core capital (leverage) ratio | 3.3866% | 7,887 |
| Tier 1 risk-based capital ratio | 4.8361% | 7,883 |
| Total risk-based capital ratio | 6.0970% | 7,886 |
| Memoranda: | ||
| Average total assets | $44,295,200 | 6,935 |
| Average earning assets | $41,690,600 | 6,873 |
| Average equity | $1,245,400 | 7,956 |
| Average total loans | $32,914,400 | 6,473 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3816% | 958 |
| Cost of funding earning assets | 2.4861% | 1,350 |
| Net interest margin | 3.8954% | 3,248 |
| Noninterest income to average assets | 2.2340% | 314 |
| Noninterest expense to average assets | 3.7521% | 1,702 |
| Loan and lease loss provision to assets | 7.2693% | 60 |
| Net operating income to assets | -5.1240% | 7,857 |
| Return on assets (ROA) | -5.0753% | 7,852 |
| Pretax return on assets | -5.0811% | 7,822 |
| Return on Equity (ROE) | -186.3257% | 8,068 |
| Retained earnings to average equity (ytd only) | -186.3257% | 8,067 |
| Net charge-offs to loans | 12.7626% | 27 |
| Credit loss provision to net charge-offs | 76.5380% | 5,852 |
| Earnings coverage of net charge-offs (x) | 0.2253% | 5,793 |
| Efficiency ratio | 63.6850% | 5,811 |
| Assets per employee ($millions) | 3.7429% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8004% | 2,272 |
| Loan loss allowance to noncurrent loans | 67.4263% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 2.5221% | 2,746 |
| Noncurrent loans to loans | 2.6702% | 2,838 |
| Net loans and leases to total assets | 73.2988% | 2,711 |
| Net loans and leases to deposits | 80.2615% | 4,341 |
| Net loans and leases to core deposits | 125.7563% | 1,757 |
| Total domestic deposits to total assets | 91.3249% | 296 |
| Equity capital to assets | 3.4011% | 8,024 |
| Core capital (leverage) ratio | 2.8480% | 8,029 |
| Tier 1 risk-based capital ratio | 3.8910% | 8,030 |
| Total risk-based capital ratio | 5.1480% | 8,031 |
| Memoranda: | ||
| Average total assets | $46,551,000 | 6,896 |
| Average earning assets | $43,708,000 | 6,830 |
| Average equity | $1,268,000 | 8,035 |
| Average total loans | $34,642,000 | 6,417 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3022% | 1,202 |
| Cost of funding earning assets | 2.4667% | 1,724 |
| Net interest margin | 3.8356% | 3,389 |
| Noninterest income to average assets | 0.3589% | 5,639 |
| Noninterest expense to average assets | 3.5167% | 2,287 |
| Loan and lease loss provision to assets | 9.8121% | 38 |
| Net operating income to assets | -9.3685% | 8,103 |
| Return on assets (ROA) | -9.3685% | 8,097 |
| Pretax return on assets | -9.3766% | 8,085 |
| Return on Equity (ROE) | -366.8870% | 8,173 |
| Retained earnings to average equity (ytd only) | -366.8870% | 8,172 |
| Net charge-offs to loans | 17.7348% | 15 |
| Credit loss provision to net charge-offs | 74.4037% | 5,331 |
| Earnings coverage of net charge-offs (x) | 0.0330% | 5,643 |
| Efficiency ratio | 88.9796% | 1,908 |
| Assets per employee ($millions) | 3.3985% | 5,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 4,393 |
| Loan loss allowance to noncurrent loans | 123.0556% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 1.1749% | 4,593 |
| Noncurrent loans to loans | 1.0403% | 5,136 |
| Net loans and leases to total assets | 71.8027% | 3,278 |
| Net loans and leases to deposits | 76.0158% | 5,173 |
| Net loans and leases to core deposits | 107.2588% | 3,698 |
| Total domestic deposits to total assets | 94.4576% | 50 |
| Equity capital to assets | 1.2779% | 8,155 |
| Core capital (leverage) ratio | 1.0593% | 8,161 |
| Tier 1 risk-based capital ratio | 1.4759% | 8,160 |
| Total risk-based capital ratio | 2.7248% | 8,161 |
| Memoranda: | ||
| Average total assets | $49,591,670 | 6,847 |
| Average earning assets | $46,459,670 | 6,774 |
| Average equity | $1,266,330 | 8,124 |
| Average total loans | $36,876,670 | 6,349 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3898% | 1,084 |
| Cost of funding earning assets | 2.5136% | 1,868 |
| Net interest margin | 3.8762% | 3,155 |
| Noninterest income to average assets | 0.2214% | 6,701 |
| Noninterest expense to average assets | 3.1938% | 3,009 |
| Loan and lease loss provision to assets | 17.0204% | 14 |
| Net operating income to assets | -15.6686% | 8,211 |
| Return on assets (ROA) | -15.6686% | 8,203 |
| Pretax return on assets | -16.3722% | 8,204 |
| Return on Equity (ROE) | -496.8975% | 8,237 |
| Retained earnings to average equity (ytd only) | -496.8975% | 8,237 |
| Net charge-offs to loans | 29.2013% | 5 |
| Credit loss provision to net charge-offs | 77.5856% | 4,228 |
| Earnings coverage of net charge-offs (x) | 0.0295% | 4,955 |
| Efficiency ratio | 83.1276% | 2,397 |
| Assets per employee ($millions) | 3.0619% | 5,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8275% | 1,789 |
| Loan loss allowance to noncurrent loans | 71.1663% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 2.3025% | 2,496 |
| Noncurrent loans to loans | 2.5679% | 2,569 |
| Net loans and leases to total assets | 72.2637% | 3,188 |
| Net loans and leases to deposits | 76.4176% | 5,163 |
| Net loans and leases to core deposits | 106.0385% | 3,906 |
| Total domestic deposits to total assets | 94.5642% | 28 |
| Equity capital to assets | 1.3146% | 8,226 |
| Core capital (leverage) ratio | 1.0948% | 8,234 |
| Tier 1 risk-based capital ratio | 1.5100% | 8,230 |
| Total risk-based capital ratio | 2.7674% | 8,233 |
| Memoranda: | ||
| Average total assets | $50,598,000 | 6,840 |
| Average earning assets | $47,263,000 | 6,778 |
| Average equity | $1,595,500 | 8,134 |
| Average total loans | $38,012,000 | 6,333 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6713% | 2,146 |
| Cost of funding earning assets | 3.2195% | 1,131 |
| Net interest margin | 3.4518% | 5,461 |
| Noninterest income to average assets | 0.4305% | 5,211 |
| Noninterest expense to average assets | 2.9950% | 4,097 |
| Loan and lease loss provision to assets | 3.8559% | 178 |
| Net operating income to assets | -3.2366% | 7,875 |
| Return on assets (ROA) | -3.2311% | 7,850 |
| Pretax return on assets | -3.2311% | 7,769 |
| Return on Equity (ROE) | -50.3937% | 8,156 |
| Retained earnings to average equity (ytd only) | -51.6685% | 8,147 |
| Net charge-offs to loans | 3.2489% | 258 |
| Credit loss provision to net charge-offs | 165.8594% | 3,101 |
| Earnings coverage of net charge-offs (x) | 0.2664% | 6,069 |
| Efficiency ratio | 82.8643% | 2,197 |
| Assets per employee ($millions) | 3.2629% | 5,308 |
| Cash dividends to net income (ytd only)* | -2.5295% | 7,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2055% | 366 |
| Loan loss allowance to noncurrent loans | 30.4348% | 6,690 |
| Noncurrent assets plus other real estate owned to assets | 8.1389% | 279 |
| Noncurrent loans to loans | 10.5322% | 189 |
| Net loans and leases to total assets | 74.0949% | 3,079 |
| Net loans and leases to deposits | 81.8182% | 4,755 |
| Net loans and leases to core deposits | 114.2815% | 3,305 |
| Total domestic deposits to total assets | 90.5605% | 465 |
| Equity capital to assets | 4.8787% | 8,203 |
| Core capital (leverage) ratio | 4.7782% | 8,226 |
| Tier 1 risk-based capital ratio | 6.1789% | 8,221 |
| Total risk-based capital ratio | 7.4522% | 8,223 |
| Memoranda: | ||
| Average total assets | $55,058,200 | 6,572 |
| Average earning assets | $50,784,400 | 6,564 |
| Average equity | $3,530,200 | 7,671 |
| Average total loans | $39,397,400 | 6,201 |