Home > Bank of the San Juans > Performance and Condition Ratios
Bank of the San Juans, Performance and Condition Ratios
| 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 | 4.4157% | 4,264 |
| Cost of funding earning assets | 0.4702% | 6,014 |
| Net interest margin | 3.9455% | 2,743 |
| Noninterest income to average assets | 0.7088% | 2,619 |
| Noninterest expense to average assets | 2.5050% | 5,137 |
| Loan and lease loss provision to assets | 0.0417% | 4,871 |
| Net operating income to assets | 1.2025% | 1,724 |
| Return on assets (ROA) | 1.2025% | 1,909 |
| Pretax return on assets | 1.7729% | 1,140 |
| Return on Equity (ROE) | 10.4705% | 2,242 |
| Retained earnings to average equity (ytd only) | 4.6616% | 3,771 |
| Net charge-offs to loans | -0.3552% | 7,096 |
| Credit loss provision to net charge-offs | -20.8333% | 5,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7529% | 6,150 |
| Assets per employee ($millions) | 5.3787% | 1,805 |
| Cash dividends to net income (ytd only)* | 55.4785% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2176% | 673 |
| Loan loss allowance to noncurrent loans | 501.1561% | 682 |
| Noncurrent assets plus other real estate owned to assets | 1.5089% | 3,593 |
| Noncurrent loans to loans | 0.6420% | 5,356 |
| Net loans and leases to total assets | 55.0969% | 4,540 |
| Net loans and leases to deposits | 69.7481% | 3,760 |
| Net loans and leases to core deposits | 97.9831% | 1,127 |
| Total domestic deposits to total assets | 78.9942% | 6,073 |
| Equity capital to assets | 11.7441% | 2,226 |
| Core capital (leverage) ratio | 8.6144% | 5,425 |
| Tier 1 risk-based capital ratio | 12.2286% | 5,802 |
| Total risk-based capital ratio | 13.4967% | 5,768 |
| Memoranda: | ||
| Average total assets | $239,838,000 | 2,672 |
| Average earning assets | $219,491,500 | 2,656 |
| Average equity | $27,544,000 | 2,427 |
| Average total loans | $135,122,500 | 2,850 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4460% | 5,263 |
| Cost of funding earning assets | 0.5700% | 6,241 |
| Net interest margin | 3.8760% | 3,443 |
| Noninterest income to average assets | 0.1785% | 6,212 |
| Noninterest expense to average assets | 2.6873% | 4,793 |
| Loan and lease loss provision to assets | 0.3424% | 2,956 |
| Net operating income to assets | 0.5102% | 4,372 |
| Return on assets (ROA) | 0.5102% | 4,588 |
| Pretax return on assets | 0.6702% | 4,439 |
| Return on Equity (ROE) | 4.5278% | 4,612 |
| Retained earnings to average equity (ytd only) | 1.2991% | 5,249 |
| Net charge-offs to loans | 0.8455% | 2,046 |
| Credit loss provision to net charge-offs | 68.3177% | 4,918 |
| Earnings coverage of net charge-offs (x) | 2.0205% | 4,260 |
| Efficiency ratio | 69.9364% | 3,974 |
| Assets per employee ($millions) | 5.5230% | 1,617 |
| Cash dividends to net income (ytd only)* | 71.3087% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0911% | 748 |
| Loan loss allowance to noncurrent loans | 1,586.7424% | 288 |
| Noncurrent assets plus other real estate owned to assets | 1.1683% | 4,284 |
| Noncurrent loans to loans | 0.1948% | 6,357 |
| Net loans and leases to total assets | 54.0411% | 5,031 |
| Net loans and leases to deposits | 67.3237% | 4,535 |
| Net loans and leases to core deposits | 93.4412% | 1,756 |
| Total domestic deposits to total assets | 80.2706% | 5,670 |
| Equity capital to assets | 11.2315% | 2,758 |
| Core capital (leverage) ratio | 8.4761% | 5,607 |
| Tier 1 risk-based capital ratio | 12.3599% | 5,571 |
| Total risk-based capital ratio | 13.6281% | 5,527 |
| Memoranda: | ||
| Average total assets | $233,653,000 | 2,691 |
| Average earning assets | $212,282,600 | 2,706 |
| Average equity | $26,326,200 | 2,451 |
| Average total loans | $138,495,800 | 2,822 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 5,447 |
| Cost of funding earning assets | 0.5943% | 6,304 |
| Net interest margin | 3.8509% | 3,608 |
| Noninterest income to average assets | 0.1435% | 6,532 |
| Noninterest expense to average assets | 2.5033% | 5,450 |
| Loan and lease loss provision to assets | 0.4611% | 2,150 |
| Net operating income to assets | 0.5078% | 4,519 |
| Return on assets (ROA) | 0.5078% | 4,699 |
| Pretax return on assets | 0.6750% | 4,563 |
| Return on Equity (ROE) | 4.5033% | 4,766 |
| Retained earnings to average equity (ytd only) | 0.1584% | 5,912 |
| Net charge-offs to loans | 0.9853% | 1,637 |
| Credit loss provision to net charge-offs | 77.7454% | 4,221 |
| Earnings coverage of net charge-offs (x) | 1.9154% | 4,223 |
| Efficiency ratio | 66.0120% | 4,716 |
| Assets per employee ($millions) | 5.2230% | 1,900 |
| Cash dividends to net income (ytd only)* | 96.4815% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2179% | 709 |
| Loan loss allowance to noncurrent loans | 1,285.1632% | 293 |
| Noncurrent assets plus other real estate owned to assets | 1.9363% | 3,220 |
| Noncurrent loans to loans | 0.2504% | 6,371 |
| Net loans and leases to total assets | 55.4222% | 4,933 |
| Net loans and leases to deposits | 67.6424% | 4,672 |
| Net loans and leases to core deposits | 93.5938% | 1,828 |
| Total domestic deposits to total assets | 81.9341% | 5,118 |
| Equity capital to assets | 11.4937% | 2,690 |
| Core capital (leverage) ratio | 8.6348% | 5,497 |
| Tier 1 risk-based capital ratio | 12.1019% | 5,817 |
| Total risk-based capital ratio | 13.3710% | 5,793 |
| Memoranda: | ||
| Average total assets | $231,313,000 | 2,719 |
| Average earning assets | $209,988,250 | 2,734 |
| Average equity | $26,084,250 | 2,472 |
| Average total loans | $139,240,750 | 2,826 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4330% | 5,583 |
| Cost of funding earning assets | 0.6069% | 6,421 |
| Net interest margin | 3.8261% | 3,663 |
| Noninterest income to average assets | 0.1347% | 6,650 |
| Noninterest expense to average assets | 2.5357% | 5,419 |
| Loan and lease loss provision to assets | 0.1739% | 4,191 |
| Net operating income to assets | 0.6276% | 3,919 |
| Return on assets (ROA) | 0.6276% | 4,042 |
| Pretax return on assets | 0.8997% | 3,614 |
| Return on Equity (ROE) | 5.6025% | 4,153 |
| Retained earnings to average equity (ytd only) | -0.9932% | 6,050 |
| Net charge-offs to loans | 0.6378% | 2,242 |
| Credit loss provision to net charge-offs | 44.5434% | 4,716 |
| Earnings coverage of net charge-offs (x) | 2.7506% | 3,468 |
| Efficiency ratio | 67.4374% | 4,620 |
| Assets per employee ($millions) | 4.9065% | 2,249 |
| Cash dividends to net income (ytd only)* | 117.7285% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1304% | 803 |
| Loan loss allowance to noncurrent loans | 121.2377% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 2.6358% | 2,531 |
| Noncurrent loans to loans | 2.5820% | 2,797 |
| Net loans and leases to total assets | 59.0935% | 4,446 |
| Net loans and leases to deposits | 74.4221% | 3,727 |
| Net loans and leases to core deposits | 101.9157% | 1,181 |
| Total domestic deposits to total assets | 79.4032% | 5,977 |
| Equity capital to assets | 11.5219% | 2,486 |
| Core capital (leverage) ratio | 8.6366% | 5,332 |
| Tier 1 risk-based capital ratio | 12.0055% | 5,782 |
| Total risk-based capital ratio | 13.2742% | 5,734 |
| Memoranda: | ||
| Average total assets | $230,072,670 | 2,752 |
| Average earning assets | $208,932,330 | 2,772 |
| Average equity | $25,774,330 | 2,486 |
| Average total loans | $140,790,330 | 2,831 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3772% | 5,769 |
| Cost of funding earning assets | 0.6202% | 6,525 |
| Net interest margin | 3.7570% | 3,810 |
| Noninterest income to average assets | 0.6148% | 3,071 |
| Noninterest expense to average assets | 2.4989% | 5,559 |
| Loan and lease loss provision to assets | 0.3444% | 2,500 |
| Net operating income to assets | 0.7974% | 3,050 |
| Return on assets (ROA) | 0.7974% | 3,119 |
| Pretax return on assets | 1.1935% | 2,390 |
| Return on Equity (ROE) | 7.2177% | 3,286 |
| Retained earnings to average equity (ytd only) | 0.5768% | 5,601 |
| Net charge-offs to loans | 0.7615% | 1,697 |
| Credit loss provision to net charge-offs | 73.8007% | 3,285 |
| Earnings coverage of net charge-offs (x) | 3.2952% | 2,785 |
| Efficiency ratio | 59.4283% | 6,062 |
| Assets per employee ($millions) | 5.0903% | 2,034 |
| Cash dividends to net income (ytd only)* | 92.0086% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1804% | 778 |
| Loan loss allowance to noncurrent loans | 153.4884% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 2.1136% | 3,172 |
| Noncurrent loans to loans | 2.0721% | 3,484 |
| Net loans and leases to total assets | 58.3481% | 4,583 |
| Net loans and leases to deposits | 75.2950% | 3,541 |
| Net loans and leases to core deposits | 103.3597% | 1,103 |
| Total domestic deposits to total assets | 77.4927% | 6,453 |
| Equity capital to assets | 10.9850% | 2,702 |
| Core capital (leverage) ratio | 8.9472% | 4,697 |
| Tier 1 risk-based capital ratio | 11.9076% | 5,771 |
| Total risk-based capital ratio | 13.1774% | 5,746 |
| Memoranda: | ||
| Average total assets | $232,259,000 | 2,755 |
| Average earning assets | $211,549,000 | 2,758 |
| Average equity | $25,659,000 | 2,479 |
| Average total loans | $142,343,500 | 2,837 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1590% | 3,808 |
| Cost of funding earning assets | 0.9142% | 6,115 |
| Net interest margin | 4.2448% | 2,018 |
| Noninterest income to average assets | 0.7048% | 2,816 |
| Noninterest expense to average assets | 2.7990% | 4,611 |
| Loan and lease loss provision to assets | 0.3717% | 3,893 |
| Net operating income to assets | 0.8729% | 2,493 |
| Return on assets (ROA) | 0.9125% | 2,472 |
| Pretax return on assets | 1.4305% | 1,564 |
| Return on Equity (ROE) | 7.1913% | 3,029 |
| Retained earnings to average equity (ytd only) | 2.2109% | 4,340 |
| Net charge-offs to loans | 0.2305% | 4,900 |
| Credit loss provision to net charge-offs | 221.8935% | 1,347 |
| Earnings coverage of net charge-offs (x) | 10.3876% | 1,713 |
| Efficiency ratio | 59.1177% | 6,176 |
| Assets per employee ($millions) | 5.0079% | 2,145 |
| Cash dividends to net income (ytd only)* | 69.2558% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1761% | 746 |
| Loan loss allowance to noncurrent loans | 140.2214% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 2.1288% | 3,177 |
| Noncurrent loans to loans | 2.2650% | 3,256 |
| Net loans and leases to total assets | 60.3456% | 4,622 |
| Net loans and leases to deposits | 75.4621% | 3,925 |
| Net loans and leases to core deposits | 98.8769% | 1,715 |
| Total domestic deposits to total assets | 79.9681% | 5,843 |
| Equity capital to assets | 11.1112% | 2,586 |
| Core capital (leverage) ratio | 8.8267% | 4,814 |
| Tier 1 risk-based capital ratio | 11.7572% | 5,685 |
| Total risk-based capital ratio | 13.0273% | 5,672 |
| Memoranda: | ||
| Average total assets | $201,751,800 | 3,078 |
| Average earning assets | $182,245,800 | 3,100 |
| Average equity | $25,600,400 | 2,488 |
| Average total loans | $146,625,400 | 2,827 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4208% | 2,789 |
| Cost of funding earning assets | 0.9830% | 6,021 |
| Net interest margin | 4.4378% | 1,403 |
| Noninterest income to average assets | 0.6475% | 3,141 |
| Noninterest expense to average assets | 2.8283% | 4,359 |
| Loan and lease loss provision to assets | 0.5139% | 2,889 |
| Net operating income to assets | 0.8256% | 2,891 |
| Return on assets (ROA) | 0.8804% | 2,831 |
| Pretax return on assets | 1.3902% | 1,904 |
| Return on Equity (ROE) | 6.6921% | 3,484 |
| Retained earnings to average equity (ytd only) | 2.2655% | 4,807 |
| Net charge-offs to loans | 0.2352% | 4,532 |
| Credit loss provision to net charge-offs | 288.4615% | 1,116 |
| Earnings coverage of net charge-offs (x) | 10.2076% | 1,910 |
| Efficiency ratio | 58.2866% | 6,223 |
| Assets per employee ($millions) | 4.8240% | 2,416 |
| Cash dividends to net income (ytd only)* | 66.1482% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2287% | 681 |
| Loan loss allowance to noncurrent loans | 231.0414% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 1.7239% | 3,858 |
| Noncurrent loans to loans | 1.3975% | 4,520 |
| Net loans and leases to total assets | 65.4771% | 3,806 |
| Net loans and leases to deposits | 81.2881% | 3,220 |
| Net loans and leases to core deposits | 109.7468% | 1,048 |
| Total domestic deposits to total assets | 80.5494% | 5,525 |
| Equity capital to assets | 12.1514% | 2,058 |
| Core capital (leverage) ratio | 9.6448% | 3,687 |
| Tier 1 risk-based capital ratio | 11.8601% | 5,584 |
| Total risk-based capital ratio | 13.1316% | 5,542 |
| Memoranda: | ||
| Average total assets | $194,599,000 | 3,212 |
| Average earning assets | $175,368,750 | 3,225 |
| Average equity | $25,601,500 | 2,531 |
| Average total loans | $147,388,250 | 2,854 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6009% | 2,134 |
| Cost of funding earning assets | 1.0345% | 5,989 |
| Net interest margin | 4.5664% | 1,073 |
| Noninterest income to average assets | 0.6263% | 3,154 |
| Noninterest expense to average assets | 2.8784% | 4,155 |
| Loan and lease loss provision to assets | 0.6359% | 2,256 |
| Net operating income to assets | 0.7991% | 2,981 |
| Return on assets (ROA) | 0.7991% | 3,122 |
| Pretax return on assets | 1.2241% | 2,337 |
| Return on Equity (ROE) | 5.9049% | 3,848 |
| Retained earnings to average equity (ytd only) | 2.5766% | 4,508 |
| Net charge-offs to loans | 0.0161% | 6,113 |
| Credit loss provision to net charge-offs | 5,000.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 146.2500% | 235 |
| Efficiency ratio | 58.1302% | 6,360 |
| Assets per employee ($millions) | 5.1209% | 2,020 |
| Cash dividends to net income (ytd only)* | 56.3660% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2060% | 698 |
| Loan loss allowance to noncurrent loans | 263.1111% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 1.0721% | 4,986 |
| Noncurrent loans to loans | 1.2185% | 4,929 |
| Net loans and leases to total assets | 69.8050% | 2,950 |
| Net loans and leases to deposits | 84.7801% | 2,741 |
| Net loans and leases to core deposits | 114.7690% | 887 |
| Total domestic deposits to total assets | 82.3365% | 4,853 |
| Equity capital to assets | 12.5359% | 1,774 |
| Core capital (leverage) ratio | 9.7725% | 3,444 |
| Tier 1 risk-based capital ratio | 11.5625% | 5,709 |
| Total risk-based capital ratio | 12.8337% | 5,651 |
| Memoranda: | ||
| Average total assets | $188,713,330 | 3,326 |
| Average earning assets | $169,936,330 | 3,344 |
| Average equity | $25,538,000 | 2,536 |
| Average total loans | $148,645,670 | 2,861 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8553% | 1,314 |
| Cost of funding earning assets | 1.0713% | 6,034 |
| Net interest margin | 4.7840% | 669 |
| Noninterest income to average assets | 0.5868% | 3,362 |
| Noninterest expense to average assets | 3.0534% | 3,463 |
| Loan and lease loss provision to assets | 1.2732% | 953 |
| Net operating income to assets | 0.3919% | 4,872 |
| Return on assets (ROA) | 0.3919% | 5,016 |
| Pretax return on assets | 0.5513% | 4,782 |
| Return on Equity (ROE) | 2.7800% | 5,439 |
| Retained earnings to average equity (ytd only) | 2.7800% | 4,466 |
| Net charge-offs to loans | 0.1583% | 3,977 |
| Credit loss provision to net charge-offs | 974.5763% | 478 |
| Earnings coverage of net charge-offs (x) | 13.9661% | 1,464 |
| Efficiency ratio | 59.9637% | 6,182 |
| Assets per employee ($millions) | 3.9250% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1291% | 739 |
| Loan loss allowance to noncurrent loans | 221.1475% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 1.2144% | 4,744 |
| Noncurrent loans to loans | 1.4149% | 4,614 |
| Net loans and leases to total assets | 81.7485% | 624 |
| Net loans and leases to deposits | 99.0995% | 816 |
| Net loans and leases to core deposits | 121.6110% | 724 |
| Total domestic deposits to total assets | 82.4914% | 4,857 |
| Equity capital to assets | 14.4519% | 1,020 |
| Core capital (leverage) ratio | 10.5673% | 2,559 |
| Tier 1 risk-based capital ratio | 11.7403% | 5,453 |
| Total risk-based capital ratio | 13.0065% | 5,383 |
| Memoranda: | ||
| Average total assets | $180,652,500 | 3,491 |
| Average earning assets | $162,041,500 | 3,529 |
| Average equity | $25,468,000 | 2,569 |
| Average total loans | $149,108,000 | 2,916 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1553% | 1,361 |
| Cost of funding earning assets | 0.9676% | 7,268 |
| Net interest margin | 5.1878% | 302 |
| Noninterest income to average assets | 0.6727% | 3,133 |
| Noninterest expense to average assets | 3.1963% | 3,391 |
| Loan and lease loss provision to assets | 1.0226% | 2,228 |
| Net operating income to assets | 0.7562% | 2,692 |
| Return on assets (ROA) | 0.7562% | 2,787 |
| Pretax return on assets | 1.0686% | 2,348 |
| Return on Equity (ROE) | 5.6831% | 3,341 |
| Retained earnings to average equity (ytd only) | 5.6831% | 1,480 |
| Net charge-offs to loans | 0.2204% | 5,243 |
| Credit loss provision to net charge-offs | 547.1125% | 552 |
| Earnings coverage of net charge-offs (x) | 11.1884% | 1,615 |
| Efficiency ratio | 57.9456% | 6,766 |
| Assets per employee ($millions) | 4.5043% | 2,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7809% | 949 |
| Loan loss allowance to noncurrent loans | 158.5021% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 1.4171% | 4,287 |
| Noncurrent loans to loans | 1.7545% | 4,006 |
| Net loans and leases to total assets | 78.5226% | 1,278 |
| Net loans and leases to deposits | 97.6703% | 1,136 |
| Net loans and leases to core deposits | 138.8544% | 846 |
| Total domestic deposits to total assets | 80.3956% | 5,551 |
| Equity capital to assets | 13.7591% | 1,232 |
| Core capital (leverage) ratio | 10.3291% | 2,764 |
| Tier 1 risk-based capital ratio | 11.1062% | 5,821 |
| Total risk-based capital ratio | 12.3727% | 5,755 |
| Memoranda: | ||
| Average total assets | $176,017,000 | 3,506 |
| Average earning assets | $156,579,400 | 3,584 |
| Average equity | $23,420,400 | 2,789 |
| Average total loans | $149,255,600 | 2,922 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3364% | 1,056 |
| Cost of funding earning assets | 0.9036% | 7,556 |
| Net interest margin | 5.4328% | 200 |
| Noninterest income to average assets | 0.5284% | 4,250 |
| Noninterest expense to average assets | 3.2180% | 3,241 |
| Loan and lease loss provision to assets | 0.7439% | 2,514 |
| Net operating income to assets | 0.9517% | 2,229 |
| Return on assets (ROA) | 0.9517% | 2,289 |
| Pretax return on assets | 1.3897% | 1,725 |
| Return on Equity (ROE) | 7.2182% | 2,978 |
| Retained earnings to average equity (ytd only) | 7.2182% | 1,428 |
| Net charge-offs to loans | 0.2912% | 4,210 |
| Credit loss provision to net charge-offs | 297.5460% | 1,391 |
| Earnings coverage of net charge-offs (x) | 8.5337% | 2,229 |
| Efficiency ratio | 57.6240% | 6,772 |
| Assets per employee ($millions) | 4.3865% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2010% | 1,420 |
| Loan loss allowance to noncurrent loans | 418.7894% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.4409% | 6,351 |
| Noncurrent loans to loans | 0.5256% | 6,255 |
| Net loans and leases to total assets | 82.0520% | 805 |
| Net loans and leases to deposits | 103.8626% | 786 |
| Net loans and leases to core deposits | 141.1904% | 865 |
| Total domestic deposits to total assets | 79.0005% | 5,803 |
| Equity capital to assets | 14.3933% | 1,174 |
| Core capital (leverage) ratio | 10.3861% | 2,894 |
| Tier 1 risk-based capital ratio | 11.2715% | 5,659 |
| Total risk-based capital ratio | 12.5324% | 5,594 |
| Memoranda: | ||
| Average total assets | $173,851,750 | 3,553 |
| Average earning assets | $154,342,500 | 3,649 |
| Average equity | $22,923,000 | 2,865 |
| Average total loans | $149,279,000 | 2,965 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2249% | 1,392 |
| Cost of funding earning assets | 0.7735% | 7,851 |
| Net interest margin | 5.4513% | 192 |
| Noninterest income to average assets | 0.5028% | 4,421 |
| Noninterest expense to average assets | 3.2574% | 3,127 |
| Loan and lease loss provision to assets | 0.4888% | 3,090 |
| Net operating income to assets | 1.0067% | 2,081 |
| Return on assets (ROA) | 1.0067% | 2,177 |
| Pretax return on assets | 1.5874% | 1,234 |
| Return on Equity (ROE) | 7.8868% | 2,820 |
| Retained earnings to average equity (ytd only) | 7.8868% | 1,248 |
| Net charge-offs to loans | 0.1882% | 4,381 |
| Credit loss provision to net charge-offs | 300.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 12.7429% | 1,792 |
| Efficiency ratio | 58.5206% | 6,766 |
| Assets per employee ($millions) | 4.3364% | 3,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9415% | 1,692 |
| Loan loss allowance to noncurrent loans | 258.7052% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.6429% | 5,809 |
| Noncurrent loans to loans | 0.7505% | 5,738 |
| Net loans and leases to total assets | 84.0023% | 639 |
| Net loans and leases to deposits | 102.9198% | 999 |
| Net loans and leases to core deposits | 126.3310% | 1,835 |
| Total domestic deposits to total assets | 81.6192% | 4,850 |
| Equity capital to assets | 12.6900% | 1,841 |
| Core capital (leverage) ratio | 9.2363% | 4,259 |
| Tier 1 risk-based capital ratio | 9.8314% | 7,101 |
| Total risk-based capital ratio | 11.0895% | 7,029 |
| Memoranda: | ||
| Average total assets | $171,853,330 | 3,607 |
| Average earning assets | $152,292,670 | 3,700 |
| Average equity | $21,935,330 | 2,978 |
| Average total loans | $148,742,330 | 3,005 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2265% | 1,510 |
| Cost of funding earning assets | 0.7625% | 7,945 |
| Net interest margin | 5.4639% | 186 |
| Noninterest income to average assets | 0.4950% | 4,366 |
| Noninterest expense to average assets | 3.2330% | 2,848 |
| Loan and lease loss provision to assets | 0.4974% | 2,483 |
| Net operating income to assets | 0.9829% | 2,385 |
| Return on assets (ROA) | 0.9829% | 2,514 |
| Pretax return on assets | 1.5845% | 1,445 |
| Return on Equity (ROE) | 7.6774% | 3,298 |
| Retained earnings to average equity (ytd only) | 7.6774% | 1,943 |
| Net charge-offs to loans | 0.0517% | 4,747 |
| Credit loss provision to net charge-offs | 1,105.2632% | 570 |
| Earnings coverage of net charge-offs (x) | 46.2632% | 769 |
| Efficiency ratio | 58.2442% | 6,664 |
| Assets per employee ($millions) | 4.2907% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9232% | 1,572 |
| Loan loss allowance to noncurrent loans | 1,175.4098% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 7,148 |
| Noncurrent loans to loans | 0.1636% | 7,062 |
| Net loans and leases to total assets | 85.2202% | 526 |
| Net loans and leases to deposits | 104.7220% | 965 |
| Net loans and leases to core deposits | 128.8396% | 1,726 |
| Total domestic deposits to total assets | 81.3775% | 4,799 |
| Equity capital to assets | 12.8401% | 1,811 |
| Core capital (leverage) ratio | 9.3531% | 4,171 |
| Tier 1 risk-based capital ratio | 9.8377% | 7,100 |
| Total risk-based capital ratio | 11.0954% | 6,997 |
| Memoranda: | ||
| Average total assets | $168,883,000 | 3,671 |
| Average earning assets | $148,976,500 | 3,773 |
| Average equity | $21,622,000 | 3,027 |
| Average total loans | $146,959,500 | 3,061 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5741% | 8,280 |
| Cost of funding earning assets | 0.1310% | 8,257 |
| Net interest margin | 0.4431% | 8,271 |
| Noninterest income to average assets | 0.0463% | 7,909 |
| Noninterest expense to average assets | 0.2835% | 8,278 |
| Loan and lease loss provision to assets | 0.0361% | 6,954 |
| Net operating income to assets | 0.0791% | 6,160 |
| Return on assets (ROA) | 0.0791% | 6,003 |
| Pretax return on assets | 0.1302% | 5,882 |
| Return on Equity (ROE) | 0.7360% | 5,998 |
| Retained earnings to average equity (ytd only) | 0.7360% | 4,789 |
| Net charge-offs to loans | 0.0372% | 6,279 |
| Credit loss provision to net charge-offs | 110.4167% | 4,883 |
| Earnings coverage of net charge-offs (x) | 5.0833% | 3,757 |
| Efficiency ratio | 60.1515% | 6,307 |
| Assets per employee ($millions) | 4.0522% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8489% | 1,533 |
| Loan loss allowance to noncurrent loans | 1,872.0280% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 7,233 |
| Noncurrent loans to loans | 0.0988% | 7,118 |
| Net loans and leases to total assets | 85.5387% | 659 |
| Net loans and leases to deposits | 99.0514% | 1,980 |
| Net loans and leases to core deposits | 119.9801% | 2,691 |
| Total domestic deposits to total assets | 86.3579% | 2,237 |
| Equity capital to assets | 12.7645% | 1,885 |
| Core capital (leverage) ratio | 9.6606% | 3,814 |
| Tier 1 risk-based capital ratio | 9.2559% | 7,562 |
| Total risk-based capital ratio | 10.5129% | 7,492 |
| Memoranda: | ||
| Average total assets | $146,720,600 | 3,958 |
| Average earning assets | $133,608,800 | 3,979 |
| Average equity | $15,761,800 | 3,981 |
| Average total loans | $128,859,400 | 3,289 |