Home > Westside Community Bank > Performance and Condition Ratios
Westside Community Bank, Performance and Condition Ratios
| 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 | 4.9489% | 1,693 |
| Cost of funding earning assets | 0.9762% | 1,488 |
| Net interest margin | 3.9727% | 2,508 |
| Noninterest income to average assets | -1.1407% | 7,061 |
| Noninterest expense to average assets | 4.6820% | 485 |
| Loan and lease loss provision to assets | 3.4383% | 27 |
| Net operating income to assets | -6.0898% | 7,068 |
| Return on assets (ROA) | -6.0898% | 7,069 |
| Pretax return on assets | -6.0898% | 7,069 |
| Return on Equity (ROE) | -204.6868% | 7,081 |
| Retained earnings to average equity (ytd only) | -204.6868% | 7,081 |
| Net charge-offs to loans | 6.2408% | 13 |
| Credit loss provision to net charge-offs | 73.1980% | 4,063 |
| Earnings coverage of net charge-offs (x) | -0.5645% | 5,685 |
| Efficiency ratio | 230.5777% | 26 |
| Assets per employee ($millions) | 5.4079% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1811% | 562 |
| Loan loss allowance to noncurrent loans | 13.9029% | 6,508 |
| Noncurrent assets plus other real estate owned to assets | 34.0404% | 2 |
| Noncurrent loans to loans | 22.8806% | 16 |
| Net loans and leases to total assets | 70.9458% | 1,660 |
| Net loans and leases to deposits | 70.9890% | 3,563 |
| Net loans and leases to core deposits | 72.1928% | 4,020 |
| Total domestic deposits to total assets | 99.9391% | 1 |
| Equity capital to assets | 0.0370% | 7,082 |
| Core capital (leverage) ratio | 0.0357% | 7,083 |
| Tier 1 risk-based capital ratio | 0.0405% | 7,083 |
| Total risk-based capital ratio | 0.0810% | 7,083 |
| Memoranda: | ||
| Average total assets | $104,847,600 | 4,711 |
| Average earning assets | $83,695,800 | 5,024 |
| Average equity | $3,119,400 | 6,758 |
| Average total loans | $78,916,400 | 4,072 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0550% | 1,546 |
| Cost of funding earning assets | 0.9885% | 1,634 |
| Net interest margin | 4.0665% | 2,222 |
| Noninterest income to average assets | -1.6186% | 7,169 |
| Noninterest expense to average assets | 4.0020% | 928 |
| Loan and lease loss provision to assets | 4.2623% | 15 |
| Net operating income to assets | -6.6297% | 7,174 |
| Return on assets (ROA) | -6.6297% | 7,174 |
| Pretax return on assets | -6.6297% | 7,174 |
| Return on Equity (ROE) | -184.1586% | 7,175 |
| Retained earnings to average equity (ytd only) | -184.1586% | 7,175 |
| Net charge-offs to loans | 7.2578% | 12 |
| Credit loss provision to net charge-offs | 77.5881% | 3,690 |
| Earnings coverage of net charge-offs (x) | -0.4309% | 5,478 |
| Efficiency ratio | 244.8302% | 22 |
| Assets per employee ($millions) | 6.1034% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4697% | 479 |
| Loan loss allowance to noncurrent loans | 14.7059% | 6,598 |
| Noncurrent assets plus other real estate owned to assets | 34.5977% | 3 |
| Noncurrent loans to loans | 23.5938% | 22 |
| Net loans and leases to total assets | 70.2265% | 1,869 |
| Net loans and leases to deposits | 71.0766% | 3,736 |
| Net loans and leases to core deposits | 72.2211% | 4,222 |
| Total domestic deposits to total assets | 98.8039% | 2 |
| Equity capital to assets | 1.0701% | 7,176 |
| Core capital (leverage) ratio | 1.0231% | 7,177 |
| Tier 1 risk-based capital ratio | 1.1856% | 7,178 |
| Total risk-based capital ratio | 2.3712% | 7,178 |
| Memoranda: | ||
| Average total assets | $108,075,750 | 4,684 |
| Average earning assets | $86,460,000 | 5,002 |
| Average equity | $3,890,750 | 6,672 |
| Average total loans | $81,803,750 | 4,028 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2423% | 1,157 |
| Cost of funding earning assets | 0.9882% | 1,840 |
| Net interest margin | 4.2541% | 1,592 |
| Noninterest income to average assets | -1.6961% | 7,234 |
| Noninterest expense to average assets | 3.9695% | 984 |
| Loan and lease loss provision to assets | 4.0430% | 23 |
| Net operating income to assets | -6.2896% | 7,223 |
| Return on assets (ROA) | -6.2896% | 7,225 |
| Pretax return on assets | -6.2896% | 7,224 |
| Return on Equity (ROE) | -144.9787% | 7,223 |
| Retained earnings to average equity (ytd only) | -144.9787% | 7,221 |
| Net charge-offs to loans | 7.2210% | 20 |
| Credit loss provision to net charge-offs | 73.1430% | 3,495 |
| Earnings coverage of net charge-offs (x) | -0.4064% | 5,213 |
| Efficiency ratio | 230.3850% | 30 |
| Assets per employee ($millions) | 5.2350% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4102% | 536 |
| Loan loss allowance to noncurrent loans | 19.1289% | 6,542 |
| Noncurrent assets plus other real estate owned to assets | 30.7641% | 5 |
| Noncurrent loans to loans | 17.8276% | 60 |
| Net loans and leases to total assets | 71.2827% | 1,685 |
| Net loans and leases to deposits | 73.3797% | 3,399 |
| Net loans and leases to core deposits | 75.1917% | 3,856 |
| Total domestic deposits to total assets | 97.1423% | 18 |
| Equity capital to assets | 2.7803% | 7,190 |
| Core capital (leverage) ratio | 2.6600% | 7,194 |
| Tier 1 risk-based capital ratio | 3.0656% | 7,211 |
| Total risk-based capital ratio | 4.3346% | 7,212 |
| Memoranda: | ||
| Average total assets | $111,549,670 | 4,629 |
| Average earning assets | $89,655,330 | 4,949 |
| Average equity | $4,839,330 | 6,436 |
| Average total loans | $85,390,330 | 3,931 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2224% | 1,269 |
| Cost of funding earning assets | 0.9854% | 2,069 |
| Net interest margin | 4.2370% | 1,648 |
| Noninterest income to average assets | 0.5184% | 3,790 |
| Noninterest expense to average assets | 5.0863% | 345 |
| Loan and lease loss provision to assets | 3.2877% | 57 |
| Net operating income to assets | -4.4149% | 7,265 |
| Return on assets (ROA) | -4.4149% | 7,264 |
| Pretax return on assets | -4.4149% | 7,262 |
| Return on Equity (ROE) | -87.4645% | 7,263 |
| Retained earnings to average equity (ytd only) | -87.4645% | 7,259 |
| Net charge-offs to loans | 7.2084% | 42 |
| Credit loss provision to net charge-offs | 58.6228% | 3,141 |
| Earnings coverage of net charge-offs (x) | -0.2010% | 4,437 |
| Efficiency ratio | 128.4710% | 170 |
| Assets per employee ($millions) | 4.5230% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2598% | 642 |
| Loan loss allowance to noncurrent loans | 17.0957% | 6,641 |
| Noncurrent assets plus other real estate owned to assets | 30.6092% | 6 |
| Noncurrent loans to loans | 19.0678% | 58 |
| Net loans and leases to total assets | 73.3829% | 1,156 |
| Net loans and leases to deposits | 76.9374% | 2,683 |
| Net loans and leases to core deposits | 78.7213% | 3,231 |
| Total domestic deposits to total assets | 95.3800% | 49 |
| Equity capital to assets | 4.5545% | 7,157 |
| Core capital (leverage) ratio | 4.5151% | 7,148 |
| Tier 1 risk-based capital ratio | 5.0056% | 7,212 |
| Total risk-based capital ratio | 6.2740% | 7,216 |
| Memoranda: | ||
| Average total assets | $114,974,500 | 4,565 |
| Average earning assets | $93,367,500 | 4,866 |
| Average equity | $5,803,500 | 6,198 |
| Average total loans | $89,451,500 | 3,842 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8019% | 3,802 |
| Cost of funding earning assets | 1.1359% | 2,437 |
| Net interest margin | 3.6661% | 4,448 |
| Noninterest income to average assets | 0.3766% | 4,814 |
| Noninterest expense to average assets | 3.9180% | 1,158 |
| Loan and lease loss provision to assets | 2.9641% | 127 |
| Net operating income to assets | -3.0707% | 7,184 |
| Return on assets (ROA) | -2.9104% | 7,177 |
| Pretax return on assets | -3.1597% | 7,200 |
| Return on Equity (ROE) | -44.5719% | 7,180 |
| Retained earnings to average equity (ytd only) | -44.5719% | 7,177 |
| Net charge-offs to loans | 3.9314% | 161 |
| Credit loss provision to net charge-offs | 98.8230% | 3,629 |
| Earnings coverage of net charge-offs (x) | -0.1233% | 5,905 |
| Efficiency ratio | 110.4270% | 430 |
| Assets per employee ($millions) | 4.8698% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7185% | 459 |
| Loan loss allowance to noncurrent loans | 19.5275% | 6,633 |
| Noncurrent assets plus other real estate owned to assets | 28.7341% | 11 |
| Noncurrent loans to loans | 19.0422% | 61 |
| Net loans and leases to total assets | 76.7204% | 862 |
| Net loans and leases to deposits | 81.2694% | 2,313 |
| Net loans and leases to core deposits | 83.3004% | 2,983 |
| Total domestic deposits to total assets | 94.4026% | 79 |
| Equity capital to assets | 5.5247% | 7,129 |
| Core capital (leverage) ratio | 4.8482% | 7,161 |
| Tier 1 risk-based capital ratio | 6.0393% | 7,201 |
| Total risk-based capital ratio | 7.3141% | 7,201 |
| Memoranda: | ||
| Average total assets | $135,961,600 | 4,057 |
| Average earning assets | $117,619,400 | 4,190 |
| Average equity | $8,877,800 | 5,312 |
| Average total loans | $103,728,400 | 3,526 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6821% | 4,541 |
| Cost of funding earning assets | 1.1084% | 2,919 |
| Net interest margin | 3.5737% | 4,875 |
| Noninterest income to average assets | 0.3477% | 5,078 |
| Noninterest expense to average assets | 3.7109% | 1,475 |
| Loan and lease loss provision to assets | 1.9943% | 279 |
| Net operating income to assets | -2.2359% | 7,184 |
| Return on assets (ROA) | -2.2359% | 7,190 |
| Pretax return on assets | -2.2359% | 7,170 |
| Return on Equity (ROE) | -33.1814% | 7,220 |
| Retained earnings to average equity (ytd only) | -33.1814% | 7,213 |
| Net charge-offs to loans | 3.3364% | 250 |
| Credit loss provision to net charge-offs | 79.0759% | 4,163 |
| Earnings coverage of net charge-offs (x) | -0.0958% | 5,659 |
| Efficiency ratio | 106.9634% | 486 |
| Assets per employee ($millions) | 5.3832% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0511% | 831 |
| Loan loss allowance to noncurrent loans | 15.9848% | 6,789 |
| Noncurrent assets plus other real estate owned to assets | 24.7303% | 22 |
| Noncurrent loans to loans | 19.0876% | 66 |
| Net loans and leases to total assets | 69.7451% | 2,126 |
| Net loans and leases to deposits | 74.6835% | 3,559 |
| Net loans and leases to core deposits | 76.3120% | 4,161 |
| Total domestic deposits to total assets | 93.3876% | 111 |
| Equity capital to assets | 6.0811% | 7,178 |
| Core capital (leverage) ratio | 5.8162% | 7,155 |
| Tier 1 risk-based capital ratio | 7.2392% | 7,229 |
| Total risk-based capital ratio | 8.5071% | 7,229 |
| Memoranda: | ||
| Average total assets | $140,733,250 | 3,981 |
| Average earning assets | $122,932,000 | 4,100 |
| Average equity | $9,483,000 | 5,182 |
| Average total loans | $106,378,000 | 3,496 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6302% | 4,846 |
| Cost of funding earning assets | 1.1249% | 3,070 |
| Net interest margin | 3.5053% | 5,141 |
| Noninterest income to average assets | 0.4160% | 4,548 |
| Noninterest expense to average assets | 3.3785% | 2,323 |
| Loan and lease loss provision to assets | 2.1291% | 278 |
| Net operating income to assets | -2.0058% | 7,190 |
| Return on assets (ROA) | -2.0058% | 7,193 |
| Pretax return on assets | -2.0058% | 7,163 |
| Return on Equity (ROE) | -28.8826% | 7,230 |
| Retained earnings to average equity (ytd only) | -28.8826% | 7,222 |
| Net charge-offs to loans | 3.4299% | 264 |
| Credit loss provision to net charge-offs | 80.8941% | 3,744 |
| Earnings coverage of net charge-offs (x) | 0.0468% | 5,254 |
| Efficiency ratio | 96.4800% | 856 |
| Assets per employee ($millions) | 4.9506% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0924% | 822 |
| Loan loss allowance to noncurrent loans | 16.5938% | 6,823 |
| Noncurrent assets plus other real estate owned to assets | 23.8021% | 33 |
| Noncurrent loans to loans | 18.6359% | 81 |
| Net loans and leases to total assets | 71.2570% | 1,949 |
| Net loans and leases to deposits | 77.0650% | 3,286 |
| Net loans and leases to core deposits | 79.1498% | 3,908 |
| Total domestic deposits to total assets | 92.4635% | 165 |
| Equity capital to assets | 6.4523% | 7,192 |
| Core capital (leverage) ratio | 6.3837% | 7,144 |
| Tier 1 risk-based capital ratio | 7.8367% | 7,257 |
| Total risk-based capital ratio | 9.1054% | 7,259 |
| Memoranda: | ||
| Average total assets | $142,784,330 | 3,981 |
| Average earning assets | $125,695,670 | 4,077 |
| Average equity | $9,916,000 | 5,069 |
| Average total loans | $109,565,000 | 3,465 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5370% | 5,217 |
| Cost of funding earning assets | 1.1567% | 3,109 |
| Net interest margin | 3.3803% | 5,502 |
| Noninterest income to average assets | 0.4694% | 4,121 |
| Noninterest expense to average assets | 3.0124% | 3,592 |
| Loan and lease loss provision to assets | 0.3313% | 2,572 |
| Net operating income to assets | 0.1436% | 5,961 |
| Return on assets (ROA) | 0.1436% | 6,017 |
| Pretax return on assets | 0.1436% | 6,066 |
| Return on Equity (ROE) | 1.9996% | 5,787 |
| Retained earnings to average equity (ytd only) | 1.9996% | 4,930 |
| Net charge-offs to loans | 0.3704% | 2,585 |
| Credit loss provision to net charge-offs | 114.2857% | 2,350 |
| Earnings coverage of net charge-offs (x) | 1.6381% | 3,492 |
| Efficiency ratio | 86.3816% | 1,673 |
| Assets per employee ($millions) | 5.4629% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2287% | 756 |
| Loan loss allowance to noncurrent loans | 15.0677% | 6,919 |
| Noncurrent assets plus other real estate owned to assets | 23.1753% | 39 |
| Noncurrent loans to loans | 21.4277% | 56 |
| Net loans and leases to total assets | 74.4063% | 1,284 |
| Net loans and leases to deposits | 80.8976% | 2,544 |
| Net loans and leases to core deposits | 83.2123% | 3,278 |
| Total domestic deposits to total assets | 91.9759% | 295 |
| Equity capital to assets | 7.3419% | 6,955 |
| Core capital (leverage) ratio | 7.1839% | 6,923 |
| Tier 1 risk-based capital ratio | 8.7020% | 7,246 |
| Total risk-based capital ratio | 9.9729% | 7,250 |
| Memoranda: | ||
| Average total assets | $144,867,500 | 3,979 |
| Average earning assets | $129,337,000 | 4,039 |
| Average equity | $10,402,000 | 4,938 |
| Average total loans | $113,384,000 | 3,404 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8791% | 5,120 |
| Cost of funding earning assets | 1.5899% | 2,126 |
| Net interest margin | 3.2893% | 6,015 |
| Noninterest income to average assets | 0.2248% | 6,196 |
| Noninterest expense to average assets | 3.0290% | 3,738 |
| Loan and lease loss provision to assets | 1.3386% | 1,138 |
| Net operating income to assets | -1.2046% | 6,791 |
| Return on assets (ROA) | -1.2046% | 6,810 |
| Pretax return on assets | -1.1254% | 6,707 |
| Return on Equity (ROE) | -15.8919% | 6,948 |
| Retained earnings to average equity (ytd only) | -15.8919% | 6,915 |
| Net charge-offs to loans | 2.0502% | 980 |
| Credit loss provision to net charge-offs | 78.5336% | 5,612 |
| Earnings coverage of net charge-offs (x) | 0.1251% | 5,997 |
| Efficiency ratio | 93.4234% | 1,093 |
| Assets per employee ($millions) | 5.9080% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9866% | 882 |
| Loan loss allowance to noncurrent loans | 14.2712% | 7,009 |
| Noncurrent assets plus other real estate owned to assets | 21.5037% | 53 |
| Noncurrent loans to loans | 20.9274% | 64 |
| Net loans and leases to total assets | 77.2160% | 1,059 |
| Net loans and leases to deposits | 83.5168% | 2,528 |
| Net loans and leases to core deposits | 86.0253% | 3,314 |
| Total domestic deposits to total assets | 92.4557% | 192 |
| Equity capital to assets | 7.0251% | 7,107 |
| Core capital (leverage) ratio | 7.0160% | 7,018 |
| Tier 1 risk-based capital ratio | 8.2521% | 7,333 |
| Total risk-based capital ratio | 9.5215% | 7,339 |
| Memoranda: | ||
| Average total assets | $155,234,600 | 3,790 |
| Average earning assets | $142,402,600 | 3,771 |
| Average equity | $11,767,000 | 4,677 |
| Average total loans | $129,062,600 | 3,138 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9965% | 4,832 |
| Cost of funding earning assets | 1.6830% | 1,951 |
| Net interest margin | 3.3135% | 5,966 |
| Noninterest income to average assets | 0.2096% | 6,411 |
| Noninterest expense to average assets | 2.5619% | 5,463 |
| Loan and lease loss provision to assets | 0.9165% | 1,650 |
| Net operating income to assets | -0.2130% | 6,337 |
| Return on assets (ROA) | -0.2130% | 6,395 |
| Pretax return on assets | -0.2130% | 6,330 |
| Return on Equity (ROE) | -2.7624% | 6,473 |
| Retained earnings to average equity (ytd only) | -2.7624% | 6,321 |
| Net charge-offs to loans | 0.4507% | 3,498 |
| Credit loss provision to net charge-offs | 242.1525% | 1,395 |
| Earnings coverage of net charge-offs (x) | 1.8588% | 4,312 |
| Efficiency ratio | 78.4563% | 2,560 |
| Assets per employee ($millions) | 5.5635% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7565% | 447 |
| Loan loss allowance to noncurrent loans | 20.1583% | 6,902 |
| Noncurrent assets plus other real estate owned to assets | 18.3943% | 84 |
| Noncurrent loans to loans | 18.6348% | 96 |
| Net loans and leases to total assets | 80.3854% | 681 |
| Net loans and leases to deposits | 87.6175% | 2,061 |
| Net loans and leases to core deposits | 90.5533% | 3,015 |
| Total domestic deposits to total assets | 91.7458% | 247 |
| Equity capital to assets | 7.8854% | 6,878 |
| Core capital (leverage) ratio | 7.7562% | 6,619 |
| Tier 1 risk-based capital ratio | 9.0135% | 7,361 |
| Total risk-based capital ratio | 10.2927% | 7,372 |
| Memoranda: | ||
| Average total assets | $157,118,250 | 3,813 |
| Average earning assets | $144,898,750 | 3,768 |
| Average equity | $12,114,750 | 4,644 |
| Average total loans | $131,938,500 | 3,144 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0242% | 4,828 |
| Cost of funding earning assets | 1.7770% | 1,738 |
| Net interest margin | 3.2472% | 6,175 |
| Noninterest income to average assets | 0.2359% | 6,218 |
| Noninterest expense to average assets | 2.5204% | 5,645 |
| Loan and lease loss provision to assets | 0.5206% | 2,708 |
| Net operating income to assets | 0.1468% | 5,732 |
| Return on assets (ROA) | 0.1468% | 5,846 |
| Pretax return on assets | 0.1957% | 5,779 |
| Return on Equity (ROE) | 1.9173% | 5,660 |
| Retained earnings to average equity (ytd only) | 1.9173% | 4,912 |
| Net charge-offs to loans | 0.1327% | 4,883 |
| Credit loss provision to net charge-offs | 466.2921% | 791 |
| Earnings coverage of net charge-offs (x) | 6.4157% | 2,459 |
| Efficiency ratio | 77.8682% | 2,750 |
| Assets per employee ($millions) | 5.6082% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3632% | 610 |
| Loan loss allowance to noncurrent loans | 23.2847% | 6,774 |
| Noncurrent assets plus other real estate owned to assets | 14.7724% | 154 |
| Noncurrent loans to loans | 14.4436% | 187 |
| Net loans and leases to total assets | 80.6049% | 713 |
| Net loans and leases to deposits | 87.7206% | 2,219 |
| Net loans and leases to core deposits | 90.6709% | 3,167 |
| Total domestic deposits to total assets | 91.8881% | 241 |
| Equity capital to assets | 7.7782% | 6,948 |
| Core capital (leverage) ratio | 7.6845% | 6,629 |
| Tier 1 risk-based capital ratio | 8.8805% | 7,437 |
| Total risk-based capital ratio | 10.1543% | 7,446 |
| Memoranda: | ||
| Average total assets | $159,419,330 | 3,800 |
| Average earning assets | $147,326,000 | 3,756 |
| Average equity | $12,204,670 | 4,626 |
| Average total loans | $134,096,670 | 3,120 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7525% | 1,615 |
| Cost of funding earning assets | 1.8609% | 1,611 |
| Net interest margin | 3.8915% | 3,368 |
| Noninterest income to average assets | 0.1370% | 6,994 |
| Noninterest expense to average assets | 2.4381% | 5,953 |
| Loan and lease loss provision to assets | 0.7845% | 1,610 |
| Net operating income to assets | 0.5130% | 4,330 |
| Return on assets (ROA) | 0.5130% | 4,469 |
| Pretax return on assets | 0.5130% | 4,916 |
| Return on Equity (ROE) | 6.7541% | 3,476 |
| Retained earnings to average equity (ytd only) | 6.7541% | 2,239 |
| Net charge-offs to loans | 0.0147% | 5,378 |
| Credit loss provision to net charge-offs | 6,300.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 104.2000% | 310 |
| Efficiency ratio | 65.2667% | 5,259 |
| Assets per employee ($millions) | 5.6989% | 1,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2743% | 652 |
| Loan loss allowance to noncurrent loans | 39.4730% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 9.2393% | 466 |
| Noncurrent loans to loans | 8.2950% | 635 |
| Net loans and leases to total assets | 81.2539% | 679 |
| Net loans and leases to deposits | 88.3227% | 2,173 |
| Net loans and leases to core deposits | 90.4251% | 3,306 |
| Total domestic deposits to total assets | 91.9966% | 238 |
| Equity capital to assets | 7.7101% | 6,923 |
| Core capital (leverage) ratio | 7.5488% | 6,799 |
| Tier 1 risk-based capital ratio | 8.7901% | 7,516 |
| Total risk-based capital ratio | 10.0633% | 7,536 |
| Memoranda: | ||
| Average total assets | $160,614,500 | 3,831 |
| Average earning assets | $148,527,000 | 3,786 |
| Average equity | $12,200,000 | 4,664 |
| Average total loans | $135,656,000 | 3,150 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6699% | 3,253 |
| Cost of funding earning assets | 2.4865% | 1,052 |
| Net interest margin | 3.1834% | 6,148 |
| Noninterest income to average assets | 0.1776% | 6,814 |
| Noninterest expense to average assets | 2.2324% | 6,913 |
| Loan and lease loss provision to assets | 4.0211% | 335 |
| Net operating income to assets | -1.9884% | 7,086 |
| Return on assets (ROA) | -1.9884% | 7,089 |
| Pretax return on assets | -3.0671% | 7,312 |
| Return on Equity (ROE) | -22.8355% | 7,227 |
| Retained earnings to average equity (ytd only) | -24.0930% | 7,241 |
| Net charge-offs to loans | 4.1082% | 389 |
| Credit loss provision to net charge-offs | 112.2054% | 4,888 |
| Earnings coverage of net charge-offs (x) | 0.2662% | 5,848 |
| Efficiency ratio | 70.0603% | 4,614 |
| Assets per employee ($millions) | 5.7736% | 1,402 |
| Cash dividends to net income (ytd only)* | -5.5067% | 7,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9716% | 787 |
| Loan loss allowance to noncurrent loans | 30.3836% | 6,443 |
| Noncurrent assets plus other real estate owned to assets | 9.6387% | 398 |
| Noncurrent loans to loans | 9.7802% | 429 |
| Net loans and leases to total assets | 82.3877% | 632 |
| Net loans and leases to deposits | 89.3172% | 2,334 |
| Net loans and leases to core deposits | 115.9477% | 2,327 |
| Total domestic deposits to total assets | 92.2417% | 223 |
| Equity capital to assets | 7.4830% | 7,047 |
| Core capital (leverage) ratio | 7.1373% | 7,121 |
| Tier 1 risk-based capital ratio | 8.4424% | 7,595 |
| Total risk-based capital ratio | 9.7119% | 7,619 |
| Memoranda: | ||
| Average total assets | $171,694,800 | 3,580 |
| Average earning assets | $162,278,200 | 3,477 |
| Average equity | $14,950,400 | 4,069 |
| Average total loans | $149,772,600 | 2,914 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8500% | 2,665 |
| Cost of funding earning assets | 2.5833% | 1,069 |
| Net interest margin | 3.2667% | 5,766 |
| Noninterest income to average assets | 0.2227% | 6,634 |
| Noninterest expense to average assets | 2.2318% | 6,892 |
| Loan and lease loss provision to assets | 0.6911% | 2,665 |
| Net operating income to assets | 0.2564% | 4,964 |
| Return on assets (ROA) | 0.2564% | 5,050 |
| Pretax return on assets | 0.3988% | 4,804 |
| Return on Equity (ROE) | 2.8516% | 4,855 |
| Retained earnings to average equity (ytd only) | 2.0004% | 4,201 |
| Net charge-offs to loans | 1.1737% | 1,728 |
| Credit loss provision to net charge-offs | 67.0877% | 6,042 |
| Earnings coverage of net charge-offs (x) | 1.0580% | 4,998 |
| Efficiency ratio | 67.1889% | 5,142 |
| Assets per employee ($millions) | 5.8586% | 1,316 |
| Cash dividends to net income (ytd only)* | 29.8504% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0242% | 1,738 |
| Loan loss allowance to noncurrent loans | 30.9815% | 6,388 |
| Noncurrent assets plus other real estate owned to assets | 7.5392% | 591 |
| Noncurrent loans to loans | 6.5336% | 881 |
| Net loans and leases to total assets | 82.1900% | 775 |
| Net loans and leases to deposits | 91.0063% | 2,391 |
| Net loans and leases to core deposits | 118.9640% | 2,338 |
| Total domestic deposits to total assets | 90.3125% | 661 |
| Equity capital to assets | 9.3785% | 4,915 |
| Core capital (leverage) ratio | 9.3515% | 4,109 |
| Tier 1 risk-based capital ratio | 10.7525% | 6,207 |
| Total risk-based capital ratio | 12.0110% | 6,161 |
| Memoranda: | ||
| Average total assets | $174,203,500 | 3,549 |
| Average earning assets | $165,259,750 | 3,460 |
| Average equity | $15,663,750 | 3,973 |
| Average total loans | $152,899,000 | 2,902 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9335% | 2,442 |
| Cost of funding earning assets | 2.6648% | 1,125 |
| Net interest margin | 3.2688% | 5,668 |
| Noninterest income to average assets | 0.2289% | 6,646 |
| Noninterest expense to average assets | 2.2672% | 6,858 |
| Loan and lease loss provision to assets | 0.6866% | 2,369 |
| Net operating income to assets | 0.2050% | 5,247 |
| Return on assets (ROA) | 0.2050% | 5,322 |
| Pretax return on assets | 0.3872% | 4,968 |
| Return on Equity (ROE) | 2.3116% | 5,177 |
| Retained earnings to average equity (ytd only) | 1.9905% | 4,233 |
| Net charge-offs to loans | 0.1522% | 4,673 |
| Credit loss provision to net charge-offs | 506.7227% | 908 |
| Earnings coverage of net charge-offs (x) | 7.9244% | 2,358 |
| Efficiency ratio | 67.8596% | 5,177 |
| Assets per employee ($millions) | 5.7693% | 1,368 |
| Cash dividends to net income (ytd only)* | 13.8889% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4895% | 911 |
| Loan loss allowance to noncurrent loans | 53.1660% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 4.9931% | 1,066 |
| Noncurrent loans to loans | 4.6824% | 1,353 |
| Net loans and leases to total assets | 86.2698% | 355 |
| Net loans and leases to deposits | 97.2799% | 1,629 |
| Net loans and leases to core deposits | 130.0078% | 1,559 |
| Total domestic deposits to total assets | 88.6820% | 1,444 |
| Equity capital to assets | 9.1600% | 5,078 |
| Core capital (leverage) ratio | 9.1230% | 4,424 |
| Tier 1 risk-based capital ratio | 10.1663% | 6,754 |
| Total risk-based capital ratio | 11.4308% | 6,665 |
| Memoranda: | ||
| Average total assets | $175,638,330 | 3,546 |
| Average earning assets | $167,219,670 | 3,440 |
| Average equity | $15,573,670 | 4,004 |
| Average total loans | $156,357,000 | 2,882 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8036% | 3,281 |
| Cost of funding earning assets | 2.7664% | 1,066 |
| Net interest margin | 3.0371% | 6,383 |
| Noninterest income to average assets | 0.1877% | 6,949 |
| Noninterest expense to average assets | 2.1230% | 7,067 |
| Loan and lease loss provision to assets | 0.6783% | 1,864 |
| Net operating income to assets | 0.1809% | 5,714 |
| Return on assets (ROA) | 0.1809% | 5,889 |
| Pretax return on assets | 0.2781% | 5,738 |
| Return on Equity (ROE) | 2.0734% | 5,749 |
| Retained earnings to average equity (ytd only) | 1.4255% | 5,060 |
| Net charge-offs to loans | 0.0405% | 4,923 |
| Credit loss provision to net charge-offs | 1,875.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 26.4375% | 1,179 |
| Efficiency ratio | 68.9427% | 4,786 |
| Assets per employee ($millions) | 6.3054% | 1,044 |
| Cash dividends to net income (ytd only)* | 31.2500% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3082% | 936 |
| Loan loss allowance to noncurrent loans | 68.3762% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 3.8952% | 1,342 |
| Noncurrent loans to loans | 3.3757% | 1,899 |
| Net loans and leases to total assets | 86.6141% | 376 |
| Net loans and leases to deposits | 99.1095% | 1,522 |
| Net loans and leases to core deposits | 132.0635% | 1,537 |
| Total domestic deposits to total assets | 87.3924% | 2,020 |
| Equity capital to assets | 8.7561% | 5,685 |
| Core capital (leverage) ratio | 8.7690% | 5,035 |
| Tier 1 risk-based capital ratio | 9.5884% | 7,354 |
| Total risk-based capital ratio | 10.8506% | 7,277 |
| Memoranda: | ||
| Average total assets | $176,918,500 | 3,555 |
| Average earning assets | $168,447,500 | 3,446 |
| Average equity | $15,433,500 | 4,051 |
| Average total loans | $157,972,500 | 2,878 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6143% | 2,418 |
| Cost of funding earning assets | 3.5037% | 511 |
| Net interest margin | 3.1106% | 6,623 |
| Noninterest income to average assets | 0.1128% | 7,561 |
| Noninterest expense to average assets | 2.0142% | 7,414 |
| Loan and lease loss provision to assets | 1.0228% | 1,436 |
| Net operating income to assets | 0.0172% | 6,321 |
| Return on assets (ROA) | 0.0172% | 6,180 |
| Pretax return on assets | 0.0395% | 6,074 |
| Return on Equity (ROE) | 0.1974% | 6,165 |
| Retained earnings to average equity (ytd only) | -1.6125% | 5,768 |
| Net charge-offs to loans | 0.1673% | 4,525 |
| Credit loss provision to net charge-offs | 676.5152% | 628 |
| Earnings coverage of net charge-offs (x) | 7.0265% | 3,210 |
| Efficiency ratio | 65.4691% | 5,228 |
| Assets per employee ($millions) | 6.1133% | 1,076 |
| Cash dividends to net income (ytd only)* | 916.6667% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0877% | 1,090 |
| Loan loss allowance to noncurrent loans | 53.7555% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 4.4589% | 852 |
| Noncurrent loans to loans | 3.8836% | 1,272 |
| Net loans and leases to total assets | 88.0419% | 365 |
| Net loans and leases to deposits | 101.8074% | 1,602 |
| Net loans and leases to core deposits | 147.5716% | 956 |
| Total domestic deposits to total assets | 86.4788% | 2,178 |
| Equity capital to assets | 8.6911% | 5,819 |
| Core capital (leverage) ratio | 8.8049% | 5,027 |
| Tier 1 risk-based capital ratio | 9.2854% | 7,537 |
| Total risk-based capital ratio | 10.5449% | 7,452 |
| Memoranda: | ||
| Average total assets | $174,611,000 | 3,483 |
| Average earning assets | $166,367,600 | 3,379 |
| Average equity | $15,194,000 | 4,102 |
| Average total loans | $157,805,000 | 2,804 |