Home > West Coast Bank > Performance and Condition Ratios
West Coast Bank, Performance and Condition Ratios
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7809% | 4,887 |
| Cost of funding earning assets | 0.1175% | 6,868 |
| Net interest margin | 3.6634% | 3,015 |
| Noninterest income to average assets | 1.1425% | 1,144 |
| Noninterest expense to average assets | 4.4897% | 545 |
| Loan and lease loss provision to assets | -0.0278% | 6,762 |
| Net operating income to assets | 0.0544% | 6,240 |
| Return on assets (ROA) | 0.0544% | 6,327 |
| Pretax return on assets | 0.0881% | 6,272 |
| Return on Equity (ROE) | 0.3545% | 6,359 |
| Retained earnings to average equity (ytd only) | 0.3545% | 5,675 |
| Net charge-offs to loans | 0.5126% | 1,176 |
| Credit loss provision to net charge-offs | -8.8773% | 4,960 |
| Earnings coverage of net charge-offs (x) | 0.1927% | 3,752 |
| Efficiency ratio | 98.6750% | 602 |
| Assets per employee ($millions) | 4.1918% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8319% | 2,511 |
| Loan loss allowance to noncurrent loans | 112.8790% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.7126% | 2,724 |
| Noncurrent loans to loans | 1.6229% | 3,103 |
| Net loans and leases to total assets | 60.7307% | 3,303 |
| Net loans and leases to deposits | 77.5045% | 2,419 |
| Net loans and leases to core deposits | 78.0501% | 3,056 |
| Total domestic deposits to total assets | 78.3576% | 6,063 |
| Equity capital to assets | 15.5138% | 632 |
| Core capital (leverage) ratio | 15.2816% | 551 |
| Tier 1 risk-based capital ratio | 20.0668% | 1,749 |
| Total risk-based capital ratio | 21.3204% | 1,722 |
| Memoranda: | ||
| Average total assets | $2,448,371,500 | 304 |
| Average earning assets | $2,277,340,500 | 297 |
| Average equity | $375,703,500 | 240 |
| Average total loans | $1,494,316,000 | 310 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1035% | 4,938 |
| Cost of funding earning assets | 0.1371% | 6,946 |
| Net interest margin | 3.9665% | 2,545 |
| Noninterest income to average assets | 1.1508% | 1,180 |
| Noninterest expense to average assets | 3.3378% | 2,228 |
| Loan and lease loss provision to assets | -0.0444% | 6,863 |
| Net operating income to assets | 1.0000% | 2,332 |
| Return on assets (ROA) | 1.0088% | 2,514 |
| Pretax return on assets | 1.5397% | 1,560 |
| Return on Equity (ROE) | 6.7241% | 3,801 |
| Retained earnings to average equity (ytd only) | 6.1771% | 1,983 |
| Net charge-offs to loans | 0.3139% | 3,073 |
| Credit loss provision to net charge-offs | -23.0835% | 6,239 |
| Earnings coverage of net charge-offs (x) | 7.7115% | 2,543 |
| Efficiency ratio | 69.2527% | 3,933 |
| Assets per employee ($millions) | 4.1029% | 3,730 |
| Cash dividends to net income (ytd only)* | 8.1354% | 4,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9699% | 2,104 |
| Loan loss allowance to noncurrent loans | 117.3975% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 1.7752% | 2,745 |
| Noncurrent loans to loans | 1.6779% | 3,104 |
| Net loans and leases to total assets | 59.0385% | 3,787 |
| Net loans and leases to deposits | 75.2965% | 2,905 |
| Net loans and leases to core deposits | 75.7123% | 3,571 |
| Total domestic deposits to total assets | 78.4081% | 6,015 |
| Equity capital to assets | 15.1808% | 701 |
| Core capital (leverage) ratio | 15.0712% | 559 |
| Tier 1 risk-based capital ratio | 19.9484% | 1,692 |
| Total risk-based capital ratio | 21.2033% | 1,664 |
| Memoranda: | ||
| Average total assets | $2,436,839,000 | 297 |
| Average earning assets | $2,254,127,600 | 290 |
| Average equity | $365,607,600 | 240 |
| Average total loans | $1,491,645,000 | 310 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1525% | 4,978 |
| Cost of funding earning assets | 0.1424% | 7,052 |
| Net interest margin | 4.0101% | 2,462 |
| Noninterest income to average assets | 1.1896% | 1,070 |
| Noninterest expense to average assets | 3.3948% | 2,016 |
| Loan and lease loss provision to assets | -0.0580% | 7,006 |
| Net operating income to assets | 1.0110% | 2,446 |
| Return on assets (ROA) | 1.0226% | 2,623 |
| Pretax return on assets | 1.5779% | 1,648 |
| Return on Equity (ROE) | 6.8366% | 3,894 |
| Retained earnings to average equity (ytd only) | 6.8366% | 2,215 |
| Net charge-offs to loans | 0.2414% | 3,272 |
| Credit loss provision to net charge-offs | -39.1256% | 6,156 |
| Earnings coverage of net charge-offs (x) | 10.1234% | 2,224 |
| Efficiency ratio | 69.3276% | 3,806 |
| Assets per employee ($millions) | 4.0765% | 3,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1101% | 1,881 |
| Loan loss allowance to noncurrent loans | 97.0685% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 2.3112% | 2,299 |
| Noncurrent loans to loans | 2.1738% | 2,652 |
| Net loans and leases to total assets | 59.0735% | 3,952 |
| Net loans and leases to deposits | 75.2748% | 3,098 |
| Net loans and leases to core deposits | 75.6848% | 3,765 |
| Total domestic deposits to total assets | 78.4771% | 5,973 |
| Equity capital to assets | 15.1708% | 786 |
| Core capital (leverage) ratio | 14.9985% | 606 |
| Tier 1 risk-based capital ratio | 19.8038% | 1,810 |
| Total risk-based capital ratio | 21.0601% | 1,781 |
| Memoranda: | ||
| Average total assets | $2,425,487,250 | 296 |
| Average earning assets | $2,242,221,250 | 290 |
| Average equity | $362,803,000 | 243 |
| Average total loans | $1,490,824,000 | 311 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2119% | 4,905 |
| Cost of funding earning assets | 0.1490% | 7,120 |
| Net interest margin | 4.0629% | 2,237 |
| Noninterest income to average assets | 1.1826% | 1,021 |
| Noninterest expense to average assets | 3.4075% | 2,014 |
| Loan and lease loss provision to assets | -0.0332% | 7,055 |
| Net operating income to assets | 1.0089% | 2,430 |
| Return on assets (ROA) | 1.0265% | 2,575 |
| Pretax return on assets | 1.5839% | 1,589 |
| Return on Equity (ROE) | 6.8960% | 3,837 |
| Retained earnings to average equity (ytd only) | 6.8960% | 2,163 |
| Net charge-offs to loans | 0.2254% | 3,228 |
| Credit loss provision to net charge-offs | -23.8095% | 5,952 |
| Earnings coverage of net charge-offs (x) | 10.9310% | 2,008 |
| Efficiency ratio | 69.1013% | 3,918 |
| Assets per employee ($millions) | 3.6188% | 4,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2150% | 1,737 |
| Loan loss allowance to noncurrent loans | 98.7482% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 2.5701% | 2,170 |
| Noncurrent loans to loans | 2.2431% | 2,679 |
| Net loans and leases to total assets | 60.8719% | 3,647 |
| Net loans and leases to deposits | 77.5432% | 2,743 |
| Net loans and leases to core deposits | 78.0422% | 3,510 |
| Total domestic deposits to total assets | 78.5007% | 6,054 |
| Equity capital to assets | 15.2235% | 731 |
| Core capital (leverage) ratio | 15.0159% | 594 |
| Tier 1 risk-based capital ratio | 19.6200% | 1,811 |
| Total risk-based capital ratio | 20.8775% | 1,776 |
| Memoranda: | ||
| Average total assets | $2,410,539,330 | 297 |
| Average earning assets | $2,223,980,000 | 292 |
| Average equity | $358,814,330 | 242 |
| Average total loans | $1,490,843,000 | 309 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2522% | 4,916 |
| Cost of funding earning assets | 0.1603% | 7,168 |
| Net interest margin | 4.0919% | 2,124 |
| Noninterest income to average assets | 1.1506% | 1,070 |
| Noninterest expense to average assets | 3.3716% | 2,083 |
| Loan and lease loss provision to assets | 0.0133% | 5,145 |
| Net operating income to assets | 0.9941% | 2,502 |
| Return on assets (ROA) | 1.0046% | 2,655 |
| Pretax return on assets | 1.5502% | 1,737 |
| Return on Equity (ROE) | 6.8265% | 3,876 |
| Retained earnings to average equity (ytd only) | 6.8265% | 2,514 |
| Net charge-offs to loans | 0.3865% | 2,146 |
| Credit loss provision to net charge-offs | 5.5633% | 3,950 |
| Earnings coverage of net charge-offs (x) | 6.4944% | 2,199 |
| Efficiency ratio | 68.5450% | 4,062 |
| Assets per employee ($millions) | 3.5933% | 4,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2996% | 1,675 |
| Loan loss allowance to noncurrent loans | 80.3484% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 3.0032% | 1,927 |
| Noncurrent loans to loans | 2.8621% | 2,256 |
| Net loans and leases to total assets | 59.8310% | 3,707 |
| Net loans and leases to deposits | 75.5256% | 2,883 |
| Net loans and leases to core deposits | 76.1194% | 3,603 |
| Total domestic deposits to total assets | 79.2195% | 6,030 |
| Equity capital to assets | 14.9113% | 767 |
| Core capital (leverage) ratio | 14.8500% | 626 |
| Tier 1 risk-based capital ratio | 19.6183% | 1,805 |
| Total risk-based capital ratio | 20.8767% | 1,774 |
| Memoranda: | ||
| Average total assets | $2,414,381,000 | 295 |
| Average earning assets | $2,223,422,000 | 288 |
| Average equity | $355,322,500 | 239 |
| Average total loans | $1,488,366,000 | 307 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 5,478 |
| Cost of funding earning assets | 0.7350% | 5,314 |
| Net interest margin | 3.6507% | 4,515 |
| Noninterest income to average assets | 1.1248% | 1,043 |
| Noninterest expense to average assets | 3.5731% | 1,795 |
| Loan and lease loss provision to assets | 0.3338% | 3,022 |
| Net operating income to assets | 1.3928% | 1,041 |
| Return on assets (ROA) | 1.4145% | 1,080 |
| Pretax return on assets | 0.6198% | 4,630 |
| Return on Equity (ROE) | 10.6393% | 1,824 |
| Retained earnings to average equity (ytd only) | 10.6393% | 458 |
| Net charge-offs to loans | 0.8686% | 1,997 |
| Credit loss provision to net charge-offs | 62.1321% | 5,114 |
| Earnings coverage of net charge-offs (x) | 1.7347% | 4,472 |
| Efficiency ratio | 78.9923% | 2,449 |
| Assets per employee ($millions) | 3.4840% | 5,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3403% | 1,559 |
| Loan loss allowance to noncurrent loans | 86.7355% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 3.0562% | 1,963 |
| Noncurrent loans to loans | 2.6982% | 2,407 |
| Net loans and leases to total assets | 60.5968% | 3,875 |
| Net loans and leases to deposits | 76.3084% | 3,130 |
| Net loans and leases to core deposits | 77.2347% | 3,790 |
| Total domestic deposits to total assets | 79.4103% | 5,890 |
| Equity capital to assets | 14.5242% | 888 |
| Core capital (leverage) ratio | 14.0946% | 803 |
| Tier 1 risk-based capital ratio | 18.6577% | 2,001 |
| Total risk-based capital ratio | 19.9165% | 1,967 |
| Memoranda: | ||
| Average total assets | $2,460,512,800 | 283 |
| Average earning assets | $2,278,119,000 | 276 |
| Average equity | $327,136,600 | 248 |
| Average total loans | $1,521,718,000 | 299 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4084% | 5,581 |
| Cost of funding earning assets | 0.6429% | 6,070 |
| Net interest margin | 3.7655% | 4,034 |
| Noninterest income to average assets | 1.1894% | 932 |
| Noninterest expense to average assets | 3.5493% | 1,813 |
| Loan and lease loss provision to assets | 0.3662% | 2,660 |
| Net operating income to assets | 0.8782% | 2,829 |
| Return on assets (ROA) | 0.9063% | 2,851 |
| Pretax return on assets | 0.7944% | 4,151 |
| Return on Equity (ROE) | 6.9749% | 3,539 |
| Retained earnings to average equity (ytd only) | 6.9749% | 1,981 |
| Net charge-offs to loans | 0.9336% | 1,726 |
| Credit loss provision to net charge-offs | 63.4722% | 4,688 |
| Earnings coverage of net charge-offs (x) | 1.9629% | 4,185 |
| Efficiency ratio | 75.3987% | 2,942 |
| Assets per employee ($millions) | 3.5342% | 4,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4119% | 1,518 |
| Loan loss allowance to noncurrent loans | 68.6920% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 3.3497% | 1,900 |
| Noncurrent loans to loans | 3.5112% | 1,962 |
| Net loans and leases to total assets | 58.3909% | 4,440 |
| Net loans and leases to deposits | 73.4465% | 3,731 |
| Net loans and leases to core deposits | 74.3367% | 4,404 |
| Total domestic deposits to total assets | 79.5013% | 5,866 |
| Equity capital to assets | 13.3029% | 1,462 |
| Core capital (leverage) ratio | 13.2028% | 1,151 |
| Tier 1 risk-based capital ratio | 17.7375% | 2,353 |
| Total risk-based capital ratio | 18.9968% | 2,320 |
| Memoranda: | ||
| Average total assets | $2,469,433,000 | 282 |
| Average earning assets | $2,290,278,250 | 274 |
| Average equity | $320,874,000 | 249 |
| Average total loans | $1,526,002,000 | 300 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4597% | 5,489 |
| Cost of funding earning assets | 0.5226% | 6,771 |
| Net interest margin | 3.9371% | 3,139 |
| Noninterest income to average assets | 1.2034% | 886 |
| Noninterest expense to average assets | 3.5931% | 1,755 |
| Loan and lease loss provision to assets | 0.4519% | 2,159 |
| Net operating income to assets | 0.8033% | 3,059 |
| Return on assets (ROA) | 0.8357% | 3,031 |
| Pretax return on assets | 0.8386% | 3,874 |
| Return on Equity (ROE) | 6.4841% | 3,714 |
| Retained earnings to average equity (ytd only) | 6.4841% | 2,151 |
| Net charge-offs to loans | 0.9576% | 1,635 |
| Credit loss provision to net charge-offs | 75.5416% | 3,898 |
| Earnings coverage of net charge-offs (x) | 2.1033% | 3,796 |
| Efficiency ratio | 73.8659% | 3,383 |
| Assets per employee ($millions) | 3.3675% | 5,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5246% | 1,408 |
| Loan loss allowance to noncurrent loans | 75.8998% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 3.5527% | 1,843 |
| Noncurrent loans to loans | 3.3262% | 2,148 |
| Net loans and leases to total assets | 60.3463% | 4,208 |
| Net loans and leases to deposits | 76.4143% | 3,393 |
| Net loans and leases to core deposits | 77.5132% | 4,114 |
| Total domestic deposits to total assets | 78.9726% | 6,093 |
| Equity capital to assets | 13.1650% | 1,440 |
| Core capital (leverage) ratio | 13.0393% | 1,145 |
| Tier 1 risk-based capital ratio | 17.3015% | 2,412 |
| Total risk-based capital ratio | 18.5623% | 2,380 |
| Memoranda: | ||
| Average total assets | $2,453,799,000 | 287 |
| Average earning assets | $2,273,525,330 | 280 |
| Average equity | $316,250,000 | 251 |
| Average total loans | $1,532,794,330 | 301 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 5,532 |
| Cost of funding earning assets | 0.5512% | 6,800 |
| Net interest margin | 3.8941% | 3,171 |
| Noninterest income to average assets | 1.2679% | 793 |
| Noninterest expense to average assets | 3.5509% | 1,874 |
| Loan and lease loss provision to assets | 0.3572% | 2,414 |
| Net operating income to assets | 0.8351% | 2,855 |
| Return on assets (ROA) | 0.8726% | 2,748 |
| Pretax return on assets | 1.0111% | 3,091 |
| Return on Equity (ROE) | 6.8441% | 3,467 |
| Retained earnings to average equity (ytd only) | 6.8441% | 2,215 |
| Net charge-offs to loans | 0.7057% | 1,805 |
| Credit loss provision to net charge-offs | 80.6559% | 3,145 |
| Earnings coverage of net charge-offs (x) | 2.9915% | 2,889 |
| Efficiency ratio | 72.6290% | 3,745 |
| Assets per employee ($millions) | 3.4757% | 5,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5822% | 1,339 |
| Loan loss allowance to noncurrent loans | 73.5814% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 3.8118% | 1,769 |
| Noncurrent loans to loans | 3.5094% | 2,124 |
| Net loans and leases to total assets | 61.1965% | 4,039 |
| Net loans and leases to deposits | 77.1486% | 3,229 |
| Net loans and leases to core deposits | 78.3840% | 3,971 |
| Total domestic deposits to total assets | 79.3229% | 6,112 |
| Equity capital to assets | 12.8584% | 1,446 |
| Core capital (leverage) ratio | 12.8672% | 1,169 |
| Tier 1 risk-based capital ratio | 17.0174% | 2,465 |
| Total risk-based capital ratio | 18.2790% | 2,437 |
| Memoranda: | ||
| Average total assets | $2,451,564,500 | 291 |
| Average earning assets | $2,271,223,500 | 280 |
| Average equity | $312,559,500 | 250 |
| Average total loans | $1,538,243,000 | 301 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 6,355 |
| Cost of funding earning assets | 0.8919% | 6,198 |
| Net interest margin | 3.6237% | 4,709 |
| Noninterest income to average assets | 1.0816% | 1,277 |
| Noninterest expense to average assets | 3.4180% | 2,389 |
| Loan and lease loss provision to assets | 0.7296% | 2,249 |
| Net operating income to assets | 0.1263% | 5,521 |
| Return on assets (ROA) | 0.1652% | 5,550 |
| Pretax return on assets | 0.3381% | 5,115 |
| Return on Equity (ROE) | 1.3975% | 5,586 |
| Retained earnings to average equity (ytd only) | 1.3975% | 4,837 |
| Net charge-offs to loans | 1.0476% | 2,107 |
| Credit loss provision to net charge-offs | 110.1570% | 3,995 |
| Earnings coverage of net charge-offs (x) | 1.5202% | 4,611 |
| Efficiency ratio | 76.9997% | 2,874 |
| Assets per employee ($millions) | 3.4595% | 5,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6126% | 1,281 |
| Loan loss allowance to noncurrent loans | 65.6808% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 4.0994% | 1,650 |
| Noncurrent loans to loans | 3.9777% | 1,828 |
| Net loans and leases to total assets | 61.0350% | 4,482 |
| Net loans and leases to deposits | 76.7703% | 3,723 |
| Net loans and leases to core deposits | 78.8639% | 4,364 |
| Total domestic deposits to total assets | 79.5034% | 5,967 |
| Equity capital to assets | 12.6408% | 1,556 |
| Core capital (leverage) ratio | 12.5113% | 1,314 |
| Tier 1 risk-based capital ratio | 16.7872% | 2,432 |
| Total risk-based capital ratio | 18.0493% | 2,391 |
| Memoranda: | ||
| Average total assets | $2,567,137,000 | 277 |
| Average earning assets | $2,368,530,400 | 270 |
| Average equity | $303,479,800 | 254 |
| Average total loans | $1,622,982,200 | 292 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5250% | 6,545 |
| Cost of funding earning assets | 0.9919% | 5,971 |
| Net interest margin | 3.5331% | 5,171 |
| Noninterest income to average assets | 1.0432% | 1,328 |
| Noninterest expense to average assets | 3.3305% | 2,484 |
| Loan and lease loss provision to assets | 0.8746% | 1,736 |
| Net operating income to assets | 0.0695% | 5,839 |
| Return on assets (ROA) | 0.1054% | 5,908 |
| Pretax return on assets | 0.1421% | 5,846 |
| Return on Equity (ROE) | 0.9068% | 5,916 |
| Retained earnings to average equity (ytd only) | 0.9068% | 5,441 |
| Net charge-offs to loans | 1.1159% | 1,826 |
| Credit loss provision to net charge-offs | 123.7154% | 3,311 |
| Earnings coverage of net charge-offs (x) | 1.3695% | 4,709 |
| Efficiency ratio | 77.2152% | 2,738 |
| Assets per employee ($millions) | 3.4810% | 5,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6471% | 1,145 |
| Loan loss allowance to noncurrent loans | 60.9124% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 4.2047% | 1,628 |
| Noncurrent loans to loans | 4.3458% | 1,672 |
| Net loans and leases to total assets | 61.8687% | 4,559 |
| Net loans and leases to deposits | 77.2858% | 3,960 |
| Net loans and leases to core deposits | 79.3940% | 4,602 |
| Total domestic deposits to total assets | 80.0519% | 5,688 |
| Equity capital to assets | 12.6023% | 1,811 |
| Core capital (leverage) ratio | 12.3386% | 1,486 |
| Tier 1 risk-based capital ratio | 16.2961% | 2,636 |
| Total risk-based capital ratio | 17.5585% | 2,588 |
| Memoranda: | ||
| Average total assets | $2,594,865,500 | 274 |
| Average earning assets | $2,390,945,500 | 267 |
| Average equity | $301,728,000 | 251 |
| Average total loans | $1,643,884,750 | 288 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5145% | 6,676 |
| Cost of funding earning assets | 1.1486% | 5,416 |
| Net interest margin | 3.3659% | 5,772 |
| Noninterest income to average assets | 0.9988% | 1,382 |
| Noninterest expense to average assets | 3.2390% | 2,766 |
| Loan and lease loss provision to assets | 1.1625% | 1,225 |
| Net operating income to assets | -0.3959% | 6,561 |
| Return on assets (ROA) | -0.3241% | 6,540 |
| Pretax return on assets | -0.2315% | 6,362 |
| Return on Equity (ROE) | -2.8627% | 6,504 |
| Retained earnings to average equity (ytd only) | -2.8627% | 6,274 |
| Net charge-offs to loans | 1.2560% | 1,519 |
| Credit loss provision to net charge-offs | 146.2487% | 2,705 |
| Earnings coverage of net charge-offs (x) | 1.0810% | 4,715 |
| Efficiency ratio | 78.7387% | 2,617 |
| Assets per employee ($millions) | 3.4787% | 4,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7002% | 1,092 |
| Loan loss allowance to noncurrent loans | 55.0958% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 4.6467% | 1,405 |
| Noncurrent loans to loans | 4.9009% | 1,421 |
| Net loans and leases to total assets | 62.4243% | 4,596 |
| Net loans and leases to deposits | 77.4475% | 4,090 |
| Net loans and leases to core deposits | 80.7559% | 4,584 |
| Total domestic deposits to total assets | 80.6021% | 5,534 |
| Equity capital to assets | 12.2205% | 1,966 |
| Core capital (leverage) ratio | 11.4311% | 1,950 |
| Tier 1 risk-based capital ratio | 15.8408% | 2,744 |
| Total risk-based capital ratio | 17.1045% | 2,701 |
| Memoranda: | ||
| Average total assets | $2,632,502,330 | 270 |
| Average earning assets | $2,424,068,000 | 261 |
| Average equity | $298,043,000 | 254 |
| Average total loans | $1,666,077,670 | 286 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4505% | 6,899 |
| Cost of funding earning assets | 1.0188% | 6,283 |
| Net interest margin | 3.4317% | 5,459 |
| Noninterest income to average assets | 0.7461% | 2,320 |
| Noninterest expense to average assets | 3.0117% | 3,637 |
| Loan and lease loss provision to assets | 1.1428% | 1,074 |
| Net operating income to assets | -0.1425% | 6,468 |
| Return on assets (ROA) | -0.0992% | 6,508 |
| Pretax return on assets | -0.1970% | 6,554 |
| Return on Equity (ROE) | -0.9095% | 6,513 |
| Retained earnings to average equity (ytd only) | -0.9095% | 6,027 |
| Net charge-offs to loans | 1.3562% | 1,267 |
| Credit loss provision to net charge-offs | 133.9997% | 2,629 |
| Earnings coverage of net charge-offs (x) | 1.0295% | 4,154 |
| Efficiency ratio | 77.1210% | 3,042 |
| Assets per employee ($millions) | 3.7562% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4255% | 1,394 |
| Loan loss allowance to noncurrent loans | 47.3224% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 4.9011% | 1,325 |
| Noncurrent loans to loans | 5.1254% | 1,403 |
| Net loans and leases to total assets | 61.0113% | 4,938 |
| Net loans and leases to deposits | 78.0358% | 4,031 |
| Net loans and leases to core deposits | 81.9593% | 4,492 |
| Total domestic deposits to total assets | 78.1837% | 6,275 |
| Equity capital to assets | 11.2490% | 2,539 |
| Core capital (leverage) ratio | 11.1553% | 2,128 |
| Tier 1 risk-based capital ratio | 15.2350% | 2,988 |
| Total risk-based capital ratio | 16.4956% | 2,947 |
| Memoranda: | ||
| Average total assets | $2,698,169,000 | 273 |
| Average earning assets | $2,471,649,500 | 266 |
| Average equity | $294,236,500 | 257 |
| Average total loans | $1,696,783,000 | 291 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8435% | 6,858 |
| Cost of funding earning assets | 1.3624% | 6,081 |
| Net interest margin | 3.4810% | 5,034 |
| Noninterest income to average assets | 0.1798% | 6,803 |
| Noninterest expense to average assets | 4.0644% | 1,281 |
| Loan and lease loss provision to assets | 3.4693% | 451 |
| Net operating income to assets | -3.4936% | 7,505 |
| Return on assets (ROA) | -3.4670% | 7,506 |
| Pretax return on assets | -4.1811% | 7,569 |
| Return on Equity (ROE) | -38.5780% | 7,548 |
| Retained earnings to average equity (ytd only) | -38.5780% | 7,534 |
| Net charge-offs to loans | 4.2226% | 367 |
| Credit loss provision to net charge-offs | 111.8774% | 4,903 |
| Earnings coverage of net charge-offs (x) | -0.2399% | 6,495 |
| Efficiency ratio | 106.8523% | 880 |
| Assets per employee ($millions) | 3.7596% | 4,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2300% | 1,593 |
| Loan loss allowance to noncurrent loans | 38.7438% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 5.6033% | 1,040 |
| Noncurrent loans to loans | 5.7557% | 1,108 |
| Net loans and leases to total assets | 61.8266% | 5,028 |
| Net loans and leases to deposits | 78.1501% | 4,336 |
| Net loans and leases to core deposits | 86.6163% | 5,460 |
| Total domestic deposits to total assets | 79.1126% | 5,947 |
| Equity capital to assets | 10.5690% | 3,109 |
| Core capital (leverage) ratio | 10.5701% | 2,529 |
| Tier 1 risk-based capital ratio | 14.1117% | 3,433 |
| Total risk-based capital ratio | 15.3701% | 3,386 |
| Memoranda: | ||
| Average total assets | $2,598,339,000 | 283 |
| Average earning assets | $2,344,310,000 | 283 |
| Average equity | $233,511,600 | 307 |
| Average total loans | $1,908,157,800 | 275 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9924% | 6,623 |
| Cost of funding earning assets | 1.4182% | 6,157 |
| Net interest margin | 3.5742% | 4,576 |
| Noninterest income to average assets | 0.6051% | 3,657 |
| Noninterest expense to average assets | 4.2621% | 960 |
| Loan and lease loss provision to assets | 2.8519% | 539 |
| Net operating income to assets | -2.1808% | 7,376 |
| Return on assets (ROA) | -2.1523% | 7,363 |
| Pretax return on assets | -3.2552% | 7,559 |
| Return on Equity (ROE) | -25.1250% | 7,507 |
| Retained earnings to average equity (ytd only) | -25.1250% | 7,487 |
| Net charge-offs to loans | 3.0521% | 533 |
| Credit loss provision to net charge-offs | 122.7069% | 4,125 |
| Earnings coverage of net charge-offs (x) | -0.1921% | 6,284 |
| Efficiency ratio | 93.5372% | 1,430 |
| Assets per employee ($millions) | 3.6795% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1435% | 1,515 |
| Loan loss allowance to noncurrent loans | 29.6007% | 6,485 |
| Noncurrent assets plus other real estate owned to assets | 7.8731% | 552 |
| Noncurrent loans to loans | 7.2414% | 727 |
| Net loans and leases to total assets | 67.3362% | 4,108 |
| Net loans and leases to deposits | 82.5744% | 3,909 |
| Net loans and leases to core deposits | 93.3247% | 5,093 |
| Total domestic deposits to total assets | 81.5460% | 4,858 |
| Equity capital to assets | 7.7781% | 7,057 |
| Core capital (leverage) ratio | 7.6441% | 6,805 |
| Tier 1 risk-based capital ratio | 9.4892% | 7,383 |
| Total risk-based capital ratio | 10.7468% | 7,338 |
| Memoranda: | ||
| Average total assets | $2,565,561,000 | 300 |
| Average earning assets | $2,304,480,750 | 305 |
| Average equity | $219,770,500 | 338 |
| Average total loans | $1,953,692,750 | 282 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1205% | 6,352 |
| Cost of funding earning assets | 1.4298% | 6,378 |
| Net interest margin | 3.6907% | 3,991 |
| Noninterest income to average assets | 0.6177% | 3,550 |
| Noninterest expense to average assets | 4.6683% | 659 |
| Loan and lease loss provision to assets | 2.7323% | 562 |
| Net operating income to assets | -2.3455% | 7,525 |
| Return on assets (ROA) | -2.3016% | 7,507 |
| Pretax return on assets | -3.4115% | 7,665 |
| Return on Equity (ROE) | -26.0344% | 7,646 |
| Retained earnings to average equity (ytd only) | -26.0344% | 7,611 |
| Net charge-offs to loans | 2.5924% | 652 |
| Credit loss provision to net charge-offs | 133.9140% | 3,481 |
| Earnings coverage of net charge-offs (x) | -0.3651% | 6,003 |
| Efficiency ratio | 92.3527% | 1,614 |
| Assets per employee ($millions) | 3.6296% | 4,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9631% | 1,647 |
| Loan loss allowance to noncurrent loans | 29.6944% | 6,510 |
| Noncurrent assets plus other real estate owned to assets | 8.0772% | 465 |
| Noncurrent loans to loans | 6.6111% | 785 |
| Net loans and leases to total assets | 72.1431% | 3,182 |
| Net loans and leases to deposits | 89.0486% | 2,981 |
| Net loans and leases to core deposits | 102.3683% | 4,250 |
| Total domestic deposits to total assets | 81.0155% | 5,077 |
| Equity capital to assets | 8.1562% | 6,550 |
| Core capital (leverage) ratio | 8.3931% | 5,629 |
| Tier 1 risk-based capital ratio | 9.5558% | 7,344 |
| Total risk-based capital ratio | 10.8114% | 7,294 |
| Memoranda: | ||
| Average total assets | $2,537,673,670 | 309 |
| Average earning assets | $2,272,938,670 | 316 |
| Average equity | $224,341,330 | 329 |
| Average total loans | $1,997,270,330 | 282 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1781% | 6,385 |
| Cost of funding earning assets | 1.4303% | 6,634 |
| Net interest margin | 3.7478% | 3,663 |
| Noninterest income to average assets | 0.5428% | 3,979 |
| Noninterest expense to average assets | 5.5435% | 355 |
| Loan and lease loss provision to assets | 3.7118% | 269 |
| Net operating income to assets | -3.7302% | 7,955 |
| Return on assets (ROA) | -3.7081% | 7,945 |
| Pretax return on assets | -5.3337% | 8,010 |
| Return on Equity (ROE) | -40.3171% | 7,990 |
| Retained earnings to average equity (ytd only) | -40.3171% | 7,969 |
| Net charge-offs to loans | 2.8692% | 452 |
| Credit loss provision to net charge-offs | 158.9782% | 2,661 |
| Earnings coverage of net charge-offs (x) | -0.7083% | 5,305 |
| Efficiency ratio | 88.4249% | 1,857 |
| Assets per employee ($millions) | 3.4235% | 5,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8731% | 1,685 |
| Loan loss allowance to noncurrent loans | 29.2579% | 6,603 |
| Noncurrent assets plus other real estate owned to assets | 8.6453% | 308 |
| Noncurrent loans to loans | 6.4020% | 708 |
| Net loans and leases to total assets | 78.8907% | 1,607 |
| Net loans and leases to deposits | 95.5780% | 2,016 |
| Net loans and leases to core deposits | 110.8751% | 3,324 |
| Total domestic deposits to total assets | 82.5406% | 4,360 |
| Equity capital to assets | 8.7657% | 5,673 |
| Core capital (leverage) ratio | 8.9229% | 4,834 |
| Tier 1 risk-based capital ratio | 9.4255% | 7,491 |
| Total risk-based capital ratio | 10.6803% | 7,438 |
| Memoranda: | ||
| Average total assets | $2,501,667,000 | 315 |
| Average earning assets | $2,234,172,000 | 320 |
| Average equity | $230,086,000 | 324 |
| Average total loans | $2,035,701,000 | 277 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0350% | 5,392 |
| Cost of funding earning assets | 1.9563% | 6,549 |
| Net interest margin | 4.0786% | 2,800 |
| Noninterest income to average assets | 1.0652% | 1,386 |
| Noninterest expense to average assets | 3.1217% | 3,609 |
| Loan and lease loss provision to assets | 1.8202% | 694 |
| Net operating income to assets | -0.0092% | 6,384 |
| Return on assets (ROA) | -0.1467% | 6,402 |
| Pretax return on assets | -0.3790% | 6,529 |
| Return on Equity (ROE) | -1.5713% | 6,444 |
| Retained earnings to average equity (ytd only) | -4.0562% | 6,335 |
| Net charge-offs to loans | 2.9179% | 307 |
| Credit loss provision to net charge-offs | 75.3610% | 5,986 |
| Earnings coverage of net charge-offs (x) | 0.6857% | 5,815 |
| Efficiency ratio | 64.9830% | 5,330 |
| Assets per employee ($millions) | 3.2358% | 5,380 |
| Cash dividends to net income (ytd only)* | -158.1444% | 8,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 3,206 |
| Loan loss allowance to noncurrent loans | 22.6422% | 7,117 |
| Noncurrent assets plus other real estate owned to assets | 7.8788% | 302 |
| Noncurrent loans to loans | 6.1773% | 556 |
| Net loans and leases to total assets | 81.1920% | 1,390 |
| Net loans and leases to deposits | 100.5344% | 1,784 |
| Net loans and leases to core deposits | 117.3109% | 2,971 |
| Total domestic deposits to total assets | 80.7604% | 4,743 |
| Equity capital to assets | 9.6257% | 4,512 |
| Core capital (leverage) ratio | 9.1732% | 4,481 |
| Tier 1 risk-based capital ratio | 9.6581% | 7,135 |
| Total risk-based capital ratio | 10.9083% | 7,029 |
| Memoranda: | ||
| Average total assets | $2,586,617,800 | 290 |
| Average earning assets | $2,354,465,800 | 286 |
| Average equity | $241,458,000 | 315 |
| Average total loans | $2,141,045,800 | 260 |