Home > The Private Bank of California > Performance and Condition Ratios
The Private Bank of California, Performance and Condition Ratios
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0023% | 6,449 |
| Cost of funding earning assets | 0.2355% | 6,267 |
| Net interest margin | 2.7668% | 6,068 |
| Noninterest income to average assets | 0.0931% | 6,550 |
| Noninterest expense to average assets | 2.7455% | 3,872 |
| Loan and lease loss provision to assets | 0.2326% | 1,606 |
| Net operating income to assets | -0.2111% | 6,493 |
| Return on assets (ROA) | 0.3433% | 5,601 |
| Pretax return on assets | 0.4528% | 5,511 |
| Return on Equity (ROE) | 4.5169% | 4,989 |
| Retained earnings to average equity (ytd only) | 4.3237% | 3,525 |
| Net charge-offs to loans | -0.0293% | 6,094 |
| Credit loss provision to net charge-offs | -1,414.2857% | 6,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6304% | 441 |
| Assets per employee ($millions) | 8.1064% | 442 |
| Cash dividends to net income (ytd only)* | 4.2772% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8631% | 2,217 |
| Loan loss allowance to noncurrent loans | 117.7221% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.9547% | 3,871 |
| Noncurrent loans to loans | 1.5826% | 2,936 |
| Net loans and leases to total assets | 59.2016% | 3,798 |
| Net loans and leases to deposits | 69.2317% | 3,826 |
| Net loans and leases to core deposits | 81.0963% | 2,902 |
| Total domestic deposits to total assets | 85.5124% | 3,636 |
| Equity capital to assets | 7.7055% | 6,362 |
| Core capital (leverage) ratio | 7.5570% | 6,433 |
| Tier 1 risk-based capital ratio | 12.6929% | 5,360 |
| Total risk-based capital ratio | 13.9509% | 5,293 |
| Memoranda: | ||
| Average total assets | $681,117,670 | 980 |
| Average earning assets | $642,113,670 | 952 |
| Average equity | $51,760,670 | 1,387 |
| Average total loans | $382,108,670 | 1,119 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9502% | 6,566 |
| Cost of funding earning assets | 0.2345% | 6,382 |
| Net interest margin | 2.7157% | 6,194 |
| Noninterest income to average assets | 0.0854% | 6,633 |
| Noninterest expense to average assets | 2.4789% | 4,831 |
| Loan and lease loss provision to assets | 0.1846% | 1,999 |
| Net operating income to assets | -0.0092% | 6,356 |
| Return on assets (ROA) | 0.2579% | 5,823 |
| Pretax return on assets | 0.3744% | 5,634 |
| Return on Equity (ROE) | 3.4159% | 5,384 |
| Retained earnings to average equity (ytd only) | 3.2249% | 4,316 |
| Net charge-offs to loans | -0.0053% | 5,284 |
| Credit loss provision to net charge-offs | -6,400.0000% | 5,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5147% | 871 |
| Assets per employee ($millions) | 8.0276% | 482 |
| Cash dividends to net income (ytd only)* | 5.5928% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8223% | 2,544 |
| Loan loss allowance to noncurrent loans | 107.7128% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.9441% | 4,042 |
| Noncurrent loans to loans | 1.6918% | 3,006 |
| Net loans and leases to total assets | 54.7844% | 4,277 |
| Net loans and leases to deposits | 63.6136% | 4,364 |
| Net loans and leases to core deposits | 74.4341% | 3,526 |
| Total domestic deposits to total assets | 86.1207% | 3,466 |
| Equity capital to assets | 7.7468% | 6,503 |
| Core capital (leverage) ratio | 7.2020% | 6,582 |
| Tier 1 risk-based capital ratio | 12.6934% | 5,435 |
| Total risk-based capital ratio | 13.9502% | 5,383 |
| Memoranda: | ||
| Average total assets | $693,365,500 | 968 |
| Average earning assets | $655,001,500 | 927 |
| Average equity | $52,343,000 | 1,390 |
| Average total loans | $375,107,500 | 1,136 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1560% | 6,684 |
| Cost of funding earning assets | 0.2798% | 6,553 |
| Net interest margin | 2.8762% | 6,269 |
| Noninterest income to average assets | 0.0611% | 6,652 |
| Noninterest expense to average assets | 2.4859% | 5,147 |
| Loan and lease loss provision to assets | 0.2088% | 3,057 |
| Net operating income to assets | 0.0741% | 6,052 |
| Return on assets (ROA) | 0.3420% | 5,544 |
| Pretax return on assets | 0.3687% | 5,658 |
| Return on Equity (ROE) | 4.4023% | 4,974 |
| Retained earnings to average equity (ytd only) | 4.2057% | 3,268 |
| Net charge-offs to loans | 0.0477% | 5,249 |
| Credit loss provision to net charge-offs | 870.7006% | 288 |
| Earnings coverage of net charge-offs (x) | 12.0701% | 1,966 |
| Efficiency ratio | 89.5719% | 1,103 |
| Assets per employee ($millions) | 8.5833% | 391 |
| Cash dividends to net income (ytd only)* | 4.4663% | 4,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7468% | 2,767 |
| Loan loss allowance to noncurrent loans | 101.1302% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.9066% | 4,229 |
| Noncurrent loans to loans | 1.7273% | 3,022 |
| Net loans and leases to total assets | 51.5718% | 4,972 |
| Net loans and leases to deposits | 63.1166% | 4,649 |
| Net loans and leases to core deposits | 74.0329% | 3,777 |
| Total domestic deposits to total assets | 81.7088% | 5,192 |
| Equity capital to assets | 7.3621% | 6,682 |
| Core capital (leverage) ratio | 7.0599% | 6,683 |
| Tier 1 risk-based capital ratio | 12.8268% | 5,234 |
| Total risk-based capital ratio | 14.0830% | 5,166 |
| Memoranda: | ||
| Average total assets | $654,770,600 | 1,007 |
| Average earning assets | $617,895,800 | 973 |
| Average equity | $50,859,600 | 1,397 |
| Average total loans | $329,068,200 | 1,280 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2332% | 6,774 |
| Cost of funding earning assets | 0.2975% | 6,629 |
| Net interest margin | 2.9357% | 6,300 |
| Noninterest income to average assets | 0.0558% | 6,782 |
| Noninterest expense to average assets | 2.4773% | 5,158 |
| Loan and lease loss provision to assets | 0.1657% | 3,454 |
| Net operating income to assets | 0.1322% | 6,064 |
| Return on assets (ROA) | 0.3265% | 5,723 |
| Pretax return on assets | 0.4597% | 5,564 |
| Return on Equity (ROE) | 4.1429% | 5,238 |
| Retained earnings to average equity (ytd only) | 3.9448% | 4,107 |
| Net charge-offs to loans | 0.0797% | 4,598 |
| Credit loss provision to net charge-offs | 418.9474% | 639 |
| Earnings coverage of net charge-offs (x) | 8.8946% | 2,383 |
| Efficiency ratio | 87.5626% | 1,246 |
| Assets per employee ($millions) | 8.4577% | 404 |
| Cash dividends to net income (ytd only)* | 4.7833% | 3,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7864% | 2,836 |
| Loan loss allowance to noncurrent loans | 145.8661% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.5932% | 5,188 |
| Noncurrent loans to loans | 1.2247% | 4,007 |
| Net loans and leases to total assets | 47.5741% | 5,600 |
| Net loans and leases to deposits | 56.1451% | 5,621 |
| Net loans and leases to core deposits | 63.7690% | 5,179 |
| Total domestic deposits to total assets | 84.7342% | 3,869 |
| Equity capital to assets | 7.6506% | 6,727 |
| Core capital (leverage) ratio | 7.3285% | 6,706 |
| Tier 1 risk-based capital ratio | 13.4878% | 4,886 |
| Total risk-based capital ratio | 14.7436% | 4,838 |
| Memoranda: | ||
| Average total assets | $640,360,750 | 1,037 |
| Average earning assets | $604,949,250 | 997 |
| Average equity | $50,462,500 | 1,418 |
| Average total loans | $317,851,500 | 1,334 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2870% | 6,819 |
| Cost of funding earning assets | 0.3278% | 6,607 |
| Net interest margin | 2.9592% | 6,320 |
| Noninterest income to average assets | 0.0470% | 6,863 |
| Noninterest expense to average assets | 2.4993% | 5,139 |
| Loan and lease loss provision to assets | 0.1525% | 3,616 |
| Net operating income to assets | 0.1344% | 6,081 |
| Return on assets (ROA) | 0.3383% | 5,690 |
| Pretax return on assets | 0.4806% | 5,492 |
| Return on Equity (ROE) | 4.2479% | 5,153 |
| Retained earnings to average equity (ytd only) | 4.0472% | 3,913 |
| Net charge-offs to loans | -0.0409% | 6,614 |
| Credit loss provision to net charge-offs | -745.3125% | 6,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9685% | 1,237 |
| Assets per employee ($millions) | 7.9843% | 475 |
| Cash dividends to net income (ytd only)* | 4.7259% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8434% | 2,722 |
| Loan loss allowance to noncurrent loans | 215.3931% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.4261% | 5,716 |
| Noncurrent loans to loans | 0.8558% | 4,801 |
| Net loans and leases to total assets | 48.8748% | 5,506 |
| Net loans and leases to deposits | 56.4846% | 5,598 |
| Net loans and leases to core deposits | 64.5836% | 5,147 |
| Total domestic deposits to total assets | 86.5277% | 3,054 |
| Equity capital to assets | 7.9258% | 6,616 |
| Core capital (leverage) ratio | 7.3377% | 6,693 |
| Tier 1 risk-based capital ratio | 13.5849% | 4,760 |
| Total risk-based capital ratio | 14.8409% | 4,721 |
| Memoranda: | ||
| Average total assets | $625,456,670 | 1,062 |
| Average earning assets | $590,569,330 | 1,022 |
| Average equity | $49,812,670 | 1,428 |
| Average total loans | $313,187,000 | 1,351 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2541% | 6,922 |
| Cost of funding earning assets | 0.3202% | 6,776 |
| Net interest margin | 2.9339% | 6,428 |
| Noninterest income to average assets | 0.0459% | 6,948 |
| Noninterest expense to average assets | 2.4473% | 5,322 |
| Loan and lease loss provision to assets | 0.2831% | 2,203 |
| Net operating income to assets | 0.0680% | 6,297 |
| Return on assets (ROA) | 0.3057% | 5,806 |
| Pretax return on assets | 0.4286% | 5,646 |
| Return on Equity (ROE) | 3.8295% | 5,368 |
| Retained earnings to average equity (ytd only) | 3.6271% | 4,403 |
| Net charge-offs to loans | -0.0360% | 6,409 |
| Credit loss provision to net charge-offs | -1,564.2857% | 6,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6560% | 1,419 |
| Assets per employee ($millions) | 8.4332% | 404 |
| Cash dividends to net income (ytd only)* | 5.2854% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8104% | 2,961 |
| Loan loss allowance to noncurrent loans | 210.5493% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.4289% | 5,789 |
| Noncurrent loans to loans | 0.8599% | 4,953 |
| Net loans and leases to total assets | 48.9785% | 5,435 |
| Net loans and leases to deposits | 55.1404% | 5,688 |
| Net loans and leases to core deposits | 64.4230% | 5,064 |
| Total domestic deposits to total assets | 88.8250% | 1,802 |
| Equity capital to assets | 7.7435% | 6,665 |
| Core capital (leverage) ratio | 7.5867% | 6,576 |
| Tier 1 risk-based capital ratio | 13.9636% | 4,494 |
| Total risk-based capital ratio | 15.2208% | 4,455 |
| Memoranda: | ||
| Average total assets | $618,812,000 | 1,074 |
| Average earning assets | $585,972,000 | 1,026 |
| Average equity | $49,406,000 | 1,432 |
| Average total loans | $310,756,000 | 1,370 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4947% | 6,998 |
| Cost of funding earning assets | 0.3442% | 7,024 |
| Net interest margin | 3.1505% | 6,215 |
| Noninterest income to average assets | 0.0319% | 6,894 |
| Noninterest expense to average assets | 2.5108% | 5,434 |
| Loan and lease loss provision to assets | 0.3036% | 3,238 |
| Net operating income to assets | 0.1929% | 5,610 |
| Return on assets (ROA) | 0.3843% | 5,100 |
| Pretax return on assets | 0.3844% | 5,336 |
| Return on Equity (ROE) | 4.4358% | 4,655 |
| Retained earnings to average equity (ytd only) | 3.8299% | 3,488 |
| Net charge-offs to loans | 0.0386% | 5,924 |
| Credit loss provision to net charge-offs | 1,550.0000% | 142 |
| Earnings coverage of net charge-offs (x) | 25.3600% | 975 |
| Efficiency ratio | 83.4853% | 1,820 |
| Assets per employee ($millions) | 8.7750% | 356 |
| Cash dividends to net income (ytd only)* | 13.6595% | 3,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7634% | 2,983 |
| Loan loss allowance to noncurrent loans | 191.2325% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.4664% | 5,799 |
| Noncurrent loans to loans | 0.9221% | 4,849 |
| Net loans and leases to total assets | 49.6878% | 5,628 |
| Net loans and leases to deposits | 59.6846% | 5,529 |
| Net loans and leases to core deposits | 69.1922% | 4,884 |
| Total domestic deposits to total assets | 83.2505% | 4,646 |
| Equity capital to assets | 8.2423% | 6,393 |
| Core capital (leverage) ratio | 8.0056% | 6,258 |
| Tier 1 risk-based capital ratio | 14.5394% | 3,944 |
| Total risk-based capital ratio | 15.7952% | 3,910 |
| Memoranda: | ||
| Average total assets | $510,603,400 | 1,309 |
| Average earning assets | $482,245,400 | 1,269 |
| Average equity | $44,231,000 | 1,532 |
| Average total loans | $258,942,400 | 1,629 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5710% | 7,051 |
| Cost of funding earning assets | 0.3521% | 7,120 |
| Net interest margin | 3.2189% | 6,116 |
| Noninterest income to average assets | 0.0322% | 7,011 |
| Noninterest expense to average assets | 2.5271% | 5,366 |
| Loan and lease loss provision to assets | 0.2148% | 3,871 |
| Net operating income to assets | 0.3258% | 5,305 |
| Return on assets (ROA) | 0.4245% | 5,077 |
| Pretax return on assets | 0.4247% | 5,387 |
| Return on Equity (ROE) | 4.8285% | 4,599 |
| Retained earnings to average equity (ytd only) | 4.0718% | 3,829 |
| Net charge-offs to loans | 0.0623% | 5,345 |
| Credit loss provision to net charge-offs | 679.3103% | 398 |
| Earnings coverage of net charge-offs (x) | 17.1038% | 1,365 |
| Efficiency ratio | 82.3707% | 1,916 |
| Assets per employee ($millions) | 9.1440% | 317 |
| Cash dividends to net income (ytd only)* | 15.6714% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 3,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 47.2439% | 6,030 |
| Net loans and leases to deposits | 55.4117% | 6,080 |
| Net loans and leases to core deposits | 64.3056% | 5,585 |
| Total domestic deposits to total assets | 85.2599% | 3,642 |
| Equity capital to assets | 8.6076% | 6,189 |
| Core capital (leverage) ratio | 8.5266% | 5,675 |
| Tier 1 risk-based capital ratio | 15.4335% | 3,422 |
| Total risk-based capital ratio | 16.6876% | 3,393 |
| Memoranda: | ||
| Average total assets | $489,079,250 | 1,370 |
| Average earning assets | $461,260,000 | 1,332 |
| Average equity | $42,993,250 | 1,572 |
| Average total loans | $248,225,750 | 1,701 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6515% | 7,059 |
| Cost of funding earning assets | 0.3562% | 7,214 |
| Net interest margin | 3.2954% | 5,872 |
| Noninterest income to average assets | 0.0276% | 7,124 |
| Noninterest expense to average assets | 2.7392% | 4,659 |
| Loan and lease loss provision to assets | 0.2708% | 3,228 |
| Net operating income to assets | 0.1416% | 5,908 |
| Return on assets (ROA) | 0.2911% | 5,541 |
| Pretax return on assets | 0.2915% | 5,691 |
| Return on Equity (ROE) | 3.2832% | 5,265 |
| Retained earnings to average equity (ytd only) | 2.5671% | 4,659 |
| Net charge-offs to loans | -0.0333% | 6,946 |
| Credit loss provision to net charge-offs | -1,567.5000% | 6,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9023% | 1,520 |
| Assets per employee ($millions) | 8.0580% | 450 |
| Cash dividends to net income (ytd only)* | 21.8101% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6784% | 3,394 |
| Loan loss allowance to noncurrent loans | 3,026.0000% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 7,024 |
| Noncurrent loans to loans | 0.0555% | 6,845 |
| Net loans and leases to total assets | 54.0940% | 5,284 |
| Net loans and leases to deposits | 65.3439% | 5,095 |
| Net loans and leases to core deposits | 77.4188% | 4,134 |
| Total domestic deposits to total assets | 82.7835% | 4,857 |
| Equity capital to assets | 8.7712% | 5,855 |
| Core capital (leverage) ratio | 8.5202% | 5,519 |
| Tier 1 risk-based capital ratio | 14.2712% | 3,964 |
| Total risk-based capital ratio | 15.5260% | 3,934 |
| Memoranda: | ||
| Average total assets | $463,129,000 | 1,443 |
| Average earning assets | $439,102,670 | 1,397 |
| Average equity | $41,058,000 | 1,632 |
| Average total loans | $240,173,000 | 1,774 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5424% | 7,182 |
| Cost of funding earning assets | 0.3442% | 7,323 |
| Net interest margin | 3.1982% | 6,072 |
| Noninterest income to average assets | 0.0437% | 7,165 |
| Noninterest expense to average assets | 2.8192% | 4,375 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2620% | 5,575 |
| Return on assets (ROA) | 0.2967% | 5,494 |
| Pretax return on assets | 0.2976% | 5,660 |
| Return on Equity (ROE) | 3.3275% | 5,227 |
| Retained earnings to average equity (ytd only) | 2.5881% | 4,612 |
| Net charge-offs to loans | -0.0320% | 6,731 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4715% | 1,204 |
| Assets per employee ($millions) | 7.5786% | 566 |
| Cash dividends to net income (ytd only)* | 22.2222% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6558% | 3,503 |
| Loan loss allowance to noncurrent loans | 2,559.2105% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 7,085 |
| Noncurrent loans to loans | 0.0647% | 6,882 |
| Net loans and leases to total assets | 49.9779% | 5,853 |
| Net loans and leases to deposits | 60.0104% | 5,727 |
| Net loans and leases to core deposits | 68.3888% | 5,243 |
| Total domestic deposits to total assets | 83.2821% | 4,800 |
| Equity capital to assets | 8.7286% | 5,608 |
| Core capital (leverage) ratio | 8.9183% | 4,742 |
| Tier 1 risk-based capital ratio | 15.9346% | 2,932 |
| Total risk-based capital ratio | 17.1889% | 2,901 |
| Memoranda: | ||
| Average total assets | $448,923,000 | 1,496 |
| Average earning assets | $426,495,500 | 1,443 |
| Average equity | $40,030,000 | 1,669 |
| Average total loans | $225,043,000 | 1,896 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6239% | 7,337 |
| Cost of funding earning assets | 0.4376% | 7,389 |
| Net interest margin | 3.1863% | 6,301 |
| Noninterest income to average assets | 0.0448% | 7,132 |
| Noninterest expense to average assets | 2.9852% | 3,907 |
| Loan and lease loss provision to assets | 0.3264% | 4,200 |
| Net operating income to assets | -0.2513% | 6,166 |
| Return on assets (ROA) | 0.0294% | 5,888 |
| Pretax return on assets | 0.0297% | 5,838 |
| Return on Equity (ROE) | 0.2536% | 5,892 |
| Retained earnings to average equity (ytd only) | -0.4637% | 5,702 |
| Net charge-offs to loans | 0.6480% | 3,074 |
| Credit loss provision to net charge-offs | 95.5701% | 4,870 |
| Earnings coverage of net charge-offs (x) | 0.2125% | 5,893 |
| Efficiency ratio | 97.6269% | 886 |
| Assets per employee ($millions) | 7.2592% | 659 |
| Cash dividends to net income (ytd only)* | 282.8571% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7997% | 2,865 |
| Loan loss allowance to noncurrent loans | 286.3905% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3104% | 6,470 |
| Noncurrent loans to loans | 0.6284% | 5,793 |
| Net loans and leases to total assets | 48.5083% | 6,336 |
| Net loans and leases to deposits | 55.2072% | 6,503 |
| Net loans and leases to core deposits | 61.3522% | 6,289 |
| Total domestic deposits to total assets | 87.8659% | 2,332 |
| Equity capital to assets | 9.1167% | 4,969 |
| Core capital (leverage) ratio | 9.4982% | 3,709 |
| Tier 1 risk-based capital ratio | 17.5008% | 2,175 |
| Total risk-based capital ratio | 18.7570% | 2,137 |
| Memoranda: | ||
| Average total assets | $356,933,200 | 1,832 |
| Average earning assets | $337,505,000 | 1,767 |
| Average equity | $41,407,000 | 1,604 |
| Average total loans | $188,109,400 | 2,264 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7011% | 7,445 |
| Cost of funding earning assets | 0.4676% | 7,492 |
| Net interest margin | 3.2335% | 6,238 |
| Noninterest income to average assets | 0.0439% | 7,302 |
| Noninterest expense to average assets | 2.9850% | 3,801 |
| Loan and lease loss provision to assets | 0.2471% | 4,618 |
| Net operating income to assets | -0.1352% | 6,227 |
| Return on assets (ROA) | 0.1348% | 5,839 |
| Pretax return on assets | 0.1352% | 5,861 |
| Return on Equity (ROE) | 1.0869% | 5,877 |
| Retained earnings to average equity (ytd only) | 0.3793% | 5,641 |
| Net charge-offs to loans | 0.8984% | 2,204 |
| Credit loss provision to net charge-offs | 51.1457% | 5,863 |
| Earnings coverage of net charge-offs (x) | 0.2324% | 5,782 |
| Efficiency ratio | 96.3752% | 891 |
| Assets per employee ($millions) | 7.1724% | 716 |
| Cash dividends to net income (ytd only)* | 65.1014% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7729% | 2,883 |
| Loan loss allowance to noncurrent loans | 229.2700% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 6,484 |
| Noncurrent loans to loans | 0.7733% | 5,669 |
| Net loans and leases to total assets | 46.7560% | 6,636 |
| Net loans and leases to deposits | 55.5931% | 6,642 |
| Net loans and leases to core deposits | 61.7964% | 6,483 |
| Total domestic deposits to total assets | 84.1039% | 4,056 |
| Equity capital to assets | 10.8439% | 3,124 |
| Core capital (leverage) ratio | 10.9098% | 2,327 |
| Tier 1 risk-based capital ratio | 20.2649% | 1,492 |
| Total risk-based capital ratio | 21.5209% | 1,466 |
| Memoranda: | ||
| Average total assets | $337,279,000 | 1,961 |
| Average earning assets | $318,495,750 | 1,895 |
| Average equity | $41,831,750 | 1,582 |
| Average total loans | $181,349,250 | 2,382 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7756% | 7,499 |
| Cost of funding earning assets | 0.4806% | 7,567 |
| Net interest margin | 3.2950% | 6,032 |
| Noninterest income to average assets | 0.0465% | 7,351 |
| Noninterest expense to average assets | 2.9018% | 4,071 |
| Loan and lease loss provision to assets | 0.3520% | 3,611 |
| Net operating income to assets | -0.0880% | 6,209 |
| Return on assets (ROA) | 0.1760% | 5,772 |
| Pretax return on assets | 0.1766% | 5,828 |
| Return on Equity (ROE) | 1.3489% | 5,852 |
| Retained earnings to average equity (ytd only) | 0.6311% | 5,512 |
| Net charge-offs to loans | 1.0468% | 1,790 |
| Credit loss provision to net charge-offs | 59.7015% | 5,208 |
| Earnings coverage of net charge-offs (x) | 0.4488% | 5,269 |
| Efficiency ratio | 91.6435% | 1,209 |
| Assets per employee ($millions) | 8.1388% | 479 |
| Cash dividends to net income (ytd only)* | 53.2143% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0100% | 2,148 |
| Loan loss allowance to noncurrent loans | 70.0909% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.4464% | 4,289 |
| Noncurrent loans to loans | 2.8678% | 2,785 |
| Net loans and leases to total assets | 49.4232% | 6,499 |
| Net loans and leases to deposits | 57.6830% | 6,595 |
| Net loans and leases to core deposits | 64.1587% | 6,389 |
| Total domestic deposits to total assets | 85.6807% | 3,273 |
| Equity capital to assets | 12.2054% | 1,972 |
| Core capital (leverage) ratio | 12.1245% | 1,580 |
| Tier 1 risk-based capital ratio | 21.0456% | 1,330 |
| Total risk-based capital ratio | 22.3037% | 1,305 |
| Memoranda: | ||
| Average total assets | $318,212,000 | 2,087 |
| Average earning assets | $301,303,000 | 2,018 |
| Average equity | $41,516,670 | 1,587 |
| Average total loans | $179,208,330 | 2,431 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9267% | 7,509 |
| Cost of funding earning assets | 0.4872% | 7,689 |
| Net interest margin | 3.4395% | 5,431 |
| Noninterest income to average assets | 0.0423% | 7,500 |
| Noninterest expense to average assets | 3.0430% | 3,507 |
| Loan and lease loss provision to assets | 0.3308% | 3,412 |
| Net operating income to assets | -0.0427% | 6,365 |
| Return on assets (ROA) | 0.1826% | 5,871 |
| Pretax return on assets | 0.1839% | 5,927 |
| Return on Equity (ROE) | 1.3491% | 6,015 |
| Retained earnings to average equity (ytd only) | 0.6256% | 5,572 |
| Net charge-offs to loans | 0.7156% | 2,070 |
| Credit loss provision to net charge-offs | 77.3994% | 3,946 |
| Earnings coverage of net charge-offs (x) | 0.6718% | 4,426 |
| Efficiency ratio | 91.3786% | 1,323 |
| Assets per employee ($millions) | 8.2603% | 456 |
| Cash dividends to net income (ytd only)* | 53.6232% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1687% | 1,818 |
| Loan loss allowance to noncurrent loans | 150.0389% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.7971% | 5,562 |
| Noncurrent loans to loans | 1.4454% | 4,573 |
| Net loans and leases to total assets | 53.9522% | 6,028 |
| Net loans and leases to deposits | 65.1108% | 5,924 |
| Net loans and leases to core deposits | 73.4967% | 5,550 |
| Total domestic deposits to total assets | 82.8621% | 4,694 |
| Equity capital to assets | 12.7666% | 1,618 |
| Core capital (leverage) ratio | 12.9877% | 1,215 |
| Tier 1 risk-based capital ratio | 21.8211% | 1,221 |
| Total risk-based capital ratio | 23.0820% | 1,211 |
| Memoranda: | ||
| Average total assets | $302,333,500 | 2,235 |
| Average earning assets | $288,998,500 | 2,152 |
| Average equity | $40,917,500 | 1,633 |
| Average total loans | $180,555,500 | 2,482 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4068% | 7,472 |
| Cost of funding earning assets | 0.6546% | 7,732 |
| Net interest margin | 3.7522% | 3,904 |
| Noninterest income to average assets | 0.0459% | 7,520 |
| Noninterest expense to average assets | 3.1211% | 3,645 |
| Loan and lease loss provision to assets | 0.5695% | 3,533 |
| Net operating income to assets | -0.0086% | 5,500 |
| Return on assets (ROA) | 0.0776% | 5,314 |
| Pretax return on assets | 0.0780% | 5,261 |
| Return on Equity (ROE) | 0.5216% | 5,385 |
| Retained earnings to average equity (ytd only) | -0.0276% | 4,935 |
| Net charge-offs to loans | 0.2374% | 5,141 |
| Credit loss provision to net charge-offs | 358.4507% | 892 |
| Earnings coverage of net charge-offs (x) | 3.5329% | 3,305 |
| Efficiency ratio | 84.7564% | 2,264 |
| Assets per employee ($millions) | 7.2440% | 728 |
| Cash dividends to net income (ytd only)* | 105.2885% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1401% | 1,750 |
| Loan loss allowance to noncurrent loans | 81.9967% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.6948% | 3,822 |
| Noncurrent loans to loans | 2.6100% | 2,946 |
| Net loans and leases to total assets | 63.5449% | 4,694 |
| Net loans and leases to deposits | 74.9606% | 4,878 |
| Net loans and leases to core deposits | 89.5659% | 5,177 |
| Total domestic deposits to total assets | 84.7711% | 3,671 |
| Equity capital to assets | 14.4088% | 1,049 |
| Core capital (leverage) ratio | 12.5236% | 1,447 |
| Tier 1 risk-based capital ratio | 20.4107% | 1,385 |
| Total risk-based capital ratio | 21.6706% | 1,353 |
| Memoranda: | ||
| Average total assets | $268,112,600 | 2,440 |
| Average earning assets | $259,845,600 | 2,330 |
| Average equity | $39,875,600 | 1,680 |
| Average total loans | $179,425,400 | 2,521 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3902% | 7,620 |
| Cost of funding earning assets | 0.6547% | 7,855 |
| Net interest margin | 3.7355% | 3,931 |
| Noninterest income to average assets | 0.0423% | 7,675 |
| Noninterest expense to average assets | 3.1615% | 3,430 |
| Loan and lease loss provision to assets | 0.5585% | 3,154 |
| Net operating income to assets | -0.0514% | 5,806 |
| Return on assets (ROA) | -0.0504% | 5,852 |
| Pretax return on assets | -0.0499% | 5,780 |
| Return on Equity (ROE) | -0.3361% | 5,833 |
| Retained earnings to average equity (ytd only) | -1.0722% | 5,507 |
| Net charge-offs to loans | 0.1823% | 4,931 |
| Credit loss provision to net charge-offs | 454.0984% | 870 |
| Earnings coverage of net charge-offs (x) | 4.1270% | 3,250 |
| Efficiency ratio | 86.1657% | 2,043 |
| Assets per employee ($millions) | 7.5359% | 623 |
| Cash dividends to net income (ytd only)* | -218.9980% | 8,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0226% | 1,744 |
| Loan loss allowance to noncurrent loans | 426.9676% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 6,752 |
| Noncurrent loans to loans | 0.4737% | 6,373 |
| Net loans and leases to total assets | 60.8022% | 5,456 |
| Net loans and leases to deposits | 71.0946% | 5,787 |
| Net loans and leases to core deposits | 85.4760% | 5,919 |
| Total domestic deposits to total assets | 85.5229% | 2,957 |
| Equity capital to assets | 13.9939% | 1,306 |
| Core capital (leverage) ratio | 13.5048% | 1,231 |
| Tier 1 risk-based capital ratio | 19.9913% | 1,560 |
| Total risk-based capital ratio | 21.2495% | 1,508 |
| Memoranda: | ||
| Average total assets | $264,512,000 | 2,484 |
| Average earning assets | $256,807,750 | 2,368 |
| Average equity | $39,667,750 | 1,715 |
| Average total loans | $178,419,250 | 2,561 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4673% | 7,650 |
| Cost of funding earning assets | 0.6117% | 7,982 |
| Net interest margin | 3.8555% | 3,316 |
| Noninterest income to average assets | 0.0353% | 7,811 |
| Noninterest expense to average assets | 3.2899% | 2,996 |
| Loan and lease loss provision to assets | 0.6368% | 2,521 |
| Net operating income to assets | -0.1311% | 6,069 |
| Return on assets (ROA) | -0.1311% | 6,100 |
| Pretax return on assets | -0.1303% | 6,037 |
| Return on Equity (ROE) | -0.8525% | 6,054 |
| Retained earnings to average equity (ytd only) | -1.4037% | 5,593 |
| Net charge-offs to loans | 0.5297% | 2,742 |
| Credit loss provision to net charge-offs | 172.9211% | 2,658 |
| Earnings coverage of net charge-offs (x) | 1.3753% | 4,497 |
| Efficiency ratio | 86.6598% | 2,161 |
| Assets per employee ($millions) | 6.8758% | 819 |
| Cash dividends to net income (ytd only)* | -64.6707% | 8,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7865% | 2,084 |
| Loan loss allowance to noncurrent loans | 126.7814% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.9561% | 5,068 |
| Noncurrent loans to loans | 1.4091% | 4,394 |
| Net loans and leases to total assets | 66.6366% | 4,431 |
| Net loans and leases to deposits | 79.4774% | 4,626 |
| Net loans and leases to core deposits | 95.6212% | 4,945 |
| Total domestic deposits to total assets | 83.8434% | 3,849 |
| Equity capital to assets | 15.5741% | 910 |
| Core capital (leverage) ratio | 14.6072% | 998 |
| Tier 1 risk-based capital ratio | 20.9856% | 1,398 |
| Total risk-based capital ratio | 22.2415% | 1,370 |
| Memoranda: | ||
| Average total assets | $254,716,330 | 2,583 |
| Average earning assets | $248,475,000 | 2,452 |
| Average equity | $39,181,000 | 1,741 |
| Average total loans | $177,097,000 | 2,615 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4329% | 7,773 |
| Cost of funding earning assets | 0.6186% | 8,044 |
| Net interest margin | 3.8143% | 3,388 |
| Noninterest income to average assets | 0.0414% | 7,878 |
| Noninterest expense to average assets | 3.2295% | 2,858 |
| Loan and lease loss provision to assets | 0.4820% | 2,556 |
| Net operating income to assets | 0.0461% | 6,140 |
| Return on assets (ROA) | 0.0461% | 6,291 |
| Pretax return on assets | 0.0477% | 6,283 |
| Return on Equity (ROE) | 0.3019% | 6,335 |
| Retained earnings to average equity (ytd only) | -0.0520% | 5,661 |
| Net charge-offs to loans | -0.0181% | 7,415 |
| Credit loss provision to net charge-offs | -3,787.5000% | 6,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9077% | 2,075 |
| Assets per employee ($millions) | 6.8775% | 823 |
| Cash dividends to net income (ytd only)* | 117.2414% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7624% | 1,952 |
| Loan loss allowance to noncurrent loans | 627.2000% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.1913% | 6,961 |
| Noncurrent loans to loans | 0.2810% | 6,735 |
| Net loans and leases to total assets | 66.8868% | 4,368 |
| Net loans and leases to deposits | 88.5690% | 3,184 |
| Net loans and leases to core deposits | 107.9723% | 3,683 |
| Total domestic deposits to total assets | 75.5194% | 6,599 |
| Equity capital to assets | 15.7810% | 914 |
| Core capital (leverage) ratio | 15.7178% | 823 |
| Tier 1 risk-based capital ratio | 20.7066% | 1,492 |
| Total risk-based capital ratio | 21.9622% | 1,463 |
| Memoranda: | ||
| Average total assets | $251,434,500 | 2,627 |
| Average earning assets | $245,077,500 | 2,493 |
| Average equity | $38,425,500 | 1,766 |
| Average total loans | $177,008,000 | 2,630 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2115% | 7,680 |
| Cost of funding earning assets | 1.2814% | 7,864 |
| Net interest margin | 3.9301% | 3,447 |
| Noninterest income to average assets | 0.0951% | 7,658 |
| Noninterest expense to average assets | 3.4039% | 2,666 |
| Loan and lease loss provision to assets | 0.4715% | 2,944 |
| Net operating income to assets | 0.0625% | 6,202 |
| Return on assets (ROA) | 0.0482% | 6,095 |
| Pretax return on assets | 0.0487% | 6,050 |
| Return on Equity (ROE) | 0.3097% | 6,131 |
| Retained earnings to average equity (ytd only) | 0.3097% | 5,055 |
| Net charge-offs to loans | 0.0158% | 6,660 |
| Credit loss provision to net charge-offs | 4,547.8261% | 110 |
| Earnings coverage of net charge-offs (x) | 51.5652% | 746 |
| Efficiency ratio | 86.4255% | 1,812 |
| Assets per employee ($millions) | 6.5276% | 876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6044% | 2,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 71.7319% | 3,644 |
| Net loans and leases to deposits | 93.7753% | 2,805 |
| Net loans and leases to core deposits | 113.4356% | 3,403 |
| Total domestic deposits to total assets | 76.4933% | 6,124 |
| Equity capital to assets | 14.7431% | 1,233 |
| Core capital (leverage) ratio | 14.2639% | 1,201 |
| Tier 1 risk-based capital ratio | 18.1424% | 2,007 |
| Total risk-based capital ratio | 19.3962% | 1,955 |
| Memoranda: | ||
| Average total assets | $221,833,000 | 2,855 |
| Average earning assets | $216,943,400 | 2,689 |
| Average equity | $34,553,800 | 1,970 |
| Average total loans | $145,133,200 | 3,007 |