Home > Stellar Business Bank > Performance and Condition Ratios
Stellar Business Bank, Performance and Condition Ratios
| 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 | 4.9716% | 3,014 |
| Cost of funding earning assets | 0.5847% | 6,163 |
| Net interest margin | 4.3869% | 1,425 |
| Noninterest income to average assets | 0.7377% | 2,403 |
| Noninterest expense to average assets | 5.0952% | 359 |
| Loan and lease loss provision to assets | 0.3440% | 2,944 |
| Net operating income to assets | -0.5121% | 6,495 |
| Return on assets (ROA) | -0.5087% | 6,538 |
| Pretax return on assets | -0.5087% | 6,500 |
| Return on Equity (ROE) | -2.5999% | 6,376 |
| Retained earnings to average equity (ytd only) | -2.5999% | 6,224 |
| Net charge-offs to loans | 0.2044% | 4,521 |
| Credit loss provision to net charge-offs | 265.2174% | 909 |
| Earnings coverage of net charge-offs (x) | -1.2957% | 6,230 |
| Efficiency ratio | 103.4112% | 586 |
| Assets per employee ($millions) | 4.5651% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8811% | 2,628 |
| Loan loss allowance to noncurrent loans | 100.8507% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 1.5046% | 3,694 |
| Noncurrent loans to loans | 1.8652% | 3,394 |
| Net loans and leases to total assets | 64.1660% | 3,151 |
| Net loans and leases to deposits | 80.2581% | 2,475 |
| Net loans and leases to core deposits | 84.8904% | 2,759 |
| Total domestic deposits to total assets | 79.9495% | 5,754 |
| Equity capital to assets | 19.6435% | 247 |
| Core capital (leverage) ratio | 19.4070% | 224 |
| Tier 1 risk-based capital ratio | 27.6007% | 654 |
| Total risk-based capital ratio | 28.8730% | 640 |
| Memoranda: | ||
| Average total assets | $88,652,400 | 5,217 |
| Average earning assets | $84,660,600 | 5,099 |
| Average equity | $17,346,800 | 3,523 |
| Average total loans | $56,271,600 | 5,018 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9498% | 3,327 |
| Cost of funding earning assets | 0.5876% | 6,340 |
| Net interest margin | 4.3622% | 1,521 |
| Noninterest income to average assets | 0.6073% | 3,125 |
| Noninterest expense to average assets | 4.7898% | 444 |
| Loan and lease loss provision to assets | 0.4562% | 2,177 |
| Net operating income to assets | -0.4757% | 6,625 |
| Return on assets (ROA) | -0.4712% | 6,670 |
| Pretax return on assets | -0.4697% | 6,603 |
| Return on Equity (ROE) | -2.4104% | 6,520 |
| Retained earnings to average equity (ytd only) | -2.4104% | 6,353 |
| Net charge-offs to loans | 0.2754% | 3,707 |
| Credit loss provision to net charge-offs | 262.9310% | 1,086 |
| Earnings coverage of net charge-offs (x) | -0.1035% | 5,667 |
| Efficiency ratio | 100.3762% | 648 |
| Assets per employee ($millions) | 4.4325% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8199% | 2,867 |
| Loan loss allowance to noncurrent loans | 98.7963% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 1.9041% | 3,261 |
| Noncurrent loans to loans | 1.8420% | 3,577 |
| Net loans and leases to total assets | 64.9347% | 3,122 |
| Net loans and leases to deposits | 81.1023% | 2,512 |
| Net loans and leases to core deposits | 84.5162% | 2,983 |
| Total domestic deposits to total assets | 80.0652% | 5,714 |
| Equity capital to assets | 19.5817% | 274 |
| Core capital (leverage) ratio | 19.6021% | 232 |
| Tier 1 risk-based capital ratio | 27.7917% | 674 |
| Total risk-based capital ratio | 29.0631% | 656 |
| Memoranda: | ||
| Average total assets | $89,131,500 | 5,245 |
| Average earning assets | $85,092,750 | 5,118 |
| Average equity | $17,424,000 | 3,521 |
| Average total loans | $56,159,000 | 5,069 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9609% | 3,349 |
| Cost of funding earning assets | 0.6037% | 6,445 |
| Net interest margin | 4.3572% | 1,491 |
| Noninterest income to average assets | 0.6831% | 2,637 |
| Noninterest expense to average assets | 4.8246% | 428 |
| Loan and lease loss provision to assets | 0.6406% | 1,498 |
| Net operating income to assets | -0.6294% | 6,776 |
| Return on assets (ROA) | -0.6227% | 6,783 |
| Pretax return on assets | -0.6204% | 6,718 |
| Return on Equity (ROE) | -3.1870% | 6,606 |
| Retained earnings to average equity (ytd only) | -3.1870% | 6,397 |
| Net charge-offs to loans | 0.4193% | 2,884 |
| Credit loss provision to net charge-offs | 246.5517% | 1,231 |
| Earnings coverage of net charge-offs (x) | 0.0517% | 5,251 |
| Efficiency ratio | 99.7222% | 732 |
| Assets per employee ($millions) | 3.5276% | 4,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9028% | 2,662 |
| Loan loss allowance to noncurrent loans | 65.7663% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 2.5985% | 2,559 |
| Noncurrent loans to loans | 2.8932% | 2,524 |
| Net loans and leases to total assets | 63.7563% | 3,517 |
| Net loans and leases to deposits | 80.6484% | 2,675 |
| Net loans and leases to core deposits | 83.0418% | 3,357 |
| Total domestic deposits to total assets | 79.0546% | 6,073 |
| Equity capital to assets | 20.5155% | 236 |
| Core capital (leverage) ratio | 20.3256% | 208 |
| Tier 1 risk-based capital ratio | 30.0923% | 523 |
| Total risk-based capital ratio | 31.3675% | 516 |
| Memoranda: | ||
| Average total assets | $89,292,330 | 5,282 |
| Average earning assets | $85,146,670 | 5,156 |
| Average equity | $17,445,670 | 3,505 |
| Average total loans | $55,335,000 | 5,156 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0074% | 3,077 |
| Cost of funding earning assets | 0.6362% | 6,443 |
| Net interest margin | 4.3712% | 1,365 |
| Noninterest income to average assets | 0.9432% | 1,496 |
| Noninterest expense to average assets | 4.7333% | 463 |
| Loan and lease loss provision to assets | 1.2968% | 528 |
| Net operating income to assets | -0.9170% | 7,016 |
| Return on assets (ROA) | -0.8951% | 7,010 |
| Pretax return on assets | -0.8951% | 6,961 |
| Return on Equity (ROE) | -4.6900% | 6,792 |
| Retained earnings to average equity (ytd only) | -4.6900% | 6,490 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5705% | 1,129 |
| Assets per employee ($millions) | 3.5478% | 4,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0789% | 2,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7141% | 5,512 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 64.9430% | 3,252 |
| Net loans and leases to deposits | 81.8742% | 2,384 |
| Net loans and leases to core deposits | 84.3083% | 3,129 |
| Total domestic deposits to total assets | 79.3205% | 6,113 |
| Equity capital to assets | 20.3601% | 237 |
| Core capital (leverage) ratio | 18.4146% | 307 |
| Tier 1 risk-based capital ratio | 29.4168% | 549 |
| Total risk-based capital ratio | 30.6923% | 536 |
| Memoranda: | ||
| Average total assets | $91,607,000 | 5,251 |
| Average earning assets | $87,391,000 | 5,114 |
| Average equity | $17,484,000 | 3,493 |
| Average total loans | $55,490,000 | 5,198 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6516% | 5,949 |
| Cost of funding earning assets | 0.7399% | 6,761 |
| Net interest margin | 3.9117% | 3,430 |
| Noninterest income to average assets | 0.3426% | 5,342 |
| Noninterest expense to average assets | 4.5297% | 633 |
| Loan and lease loss provision to assets | 0.5793% | 2,817 |
| Net operating income to assets | -1.0351% | 6,703 |
| Return on assets (ROA) | -0.5087% | 6,422 |
| Pretax return on assets | -0.5077% | 6,328 |
| Return on Equity (ROE) | -2.7819% | 6,259 |
| Retained earnings to average equity (ytd only) | -2.7819% | 6,079 |
| Net charge-offs to loans | 0.9013% | 2,392 |
| Credit loss provision to net charge-offs | 129.1667% | 3,087 |
| Earnings coverage of net charge-offs (x) | -1.0139% | 6,609 |
| Efficiency ratio | 111.1592% | 517 |
| Assets per employee ($millions) | 4.2638% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 3,577 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 54.6953% | 5,541 |
| Net loans and leases to deposits | 79.7046% | 3,225 |
| Net loans and leases to core deposits | 82.0768% | 3,899 |
| Total domestic deposits to total assets | 68.6225% | 7,301 |
| Equity capital to assets | 17.9795% | 373 |
| Core capital (leverage) ratio | 17.6686% | 349 |
| Tier 1 risk-based capital ratio | 29.6501% | 522 |
| Total risk-based capital ratio | 30.9196% | 510 |
| Memoranda: | ||
| Average total assets | $96,318,800 | 5,097 |
| Average earning assets | $91,904,400 | 4,947 |
| Average equity | $17,613,800 | 3,490 |
| Average total loans | $47,931,400 | 5,563 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5750% | 6,408 |
| Cost of funding earning assets | 0.7735% | 6,834 |
| Net interest margin | 3.8016% | 3,968 |
| Noninterest income to average assets | 0.3449% | 5,411 |
| Noninterest expense to average assets | 4.5917% | 540 |
| Loan and lease loss provision to assets | 0.5646% | 2,684 |
| Net operating income to assets | -1.1903% | 6,984 |
| Return on assets (ROA) | -0.7996% | 6,827 |
| Pretax return on assets | -0.7982% | 6,735 |
| Return on Equity (ROE) | -4.3537% | 6,597 |
| Retained earnings to average equity (ytd only) | -4.3537% | 6,502 |
| Net charge-offs to loans | 0.0691% | 5,822 |
| Credit loss provision to net charge-offs | 1,691.6667% | 185 |
| Earnings coverage of net charge-offs (x) | -18.7078% | 6,643 |
| Efficiency ratio | 115.7378% | 438 |
| Assets per employee ($millions) | 4.3202% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1540% | 1,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 49.2882% | 6,397 |
| Net loans and leases to deposits | 70.4513% | 5,080 |
| Net loans and leases to core deposits | 72.3914% | 5,467 |
| Total domestic deposits to total assets | 69.9606% | 7,275 |
| Equity capital to assets | 17.2138% | 497 |
| Core capital (leverage) ratio | 18.0495% | 348 |
| Tier 1 risk-based capital ratio | 31.1195% | 468 |
| Total risk-based capital ratio | 32.3962% | 458 |
| Memoranda: | ||
| Average total assets | $95,881,750 | 5,159 |
| Average earning assets | $91,363,250 | 5,028 |
| Average equity | $17,609,250 | 3,533 |
| Average total loans | $46,287,000 | 5,716 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5700% | 6,535 |
| Cost of funding earning assets | 0.7940% | 6,932 |
| Net interest margin | 3.7760% | 4,015 |
| Noninterest income to average assets | 0.1351% | 6,911 |
| Noninterest expense to average assets | 4.8070% | 433 |
| Loan and lease loss provision to assets | 0.8726% | 1,669 |
| Net operating income to assets | -1.9146% | 7,282 |
| Return on assets (ROA) | -1.3765% | 7,123 |
| Pretax return on assets | -1.3765% | 7,042 |
| Return on Equity (ROE) | -7.3247% | 6,857 |
| Retained earnings to average equity (ytd only) | -7.3247% | 6,766 |
| Net charge-offs to loans | 0.1083% | 5,078 |
| Credit loss provision to net charge-offs | 1,695.8333% | 237 |
| Earnings coverage of net charge-offs (x) | -20.2500% | 6,341 |
| Efficiency ratio | 127.6765% | 332 |
| Assets per employee ($millions) | 3.5167% | 4,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3584% | 1,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 50.7147% | 6,351 |
| Net loans and leases to deposits | 63.8248% | 6,056 |
| Net loans and leases to core deposits | 65.5721% | 6,278 |
| Total domestic deposits to total assets | 79.4593% | 5,902 |
| Equity capital to assets | 18.9942% | 344 |
| Core capital (leverage) ratio | 18.9302% | 295 |
| Tier 1 risk-based capital ratio | 31.2270% | 447 |
| Total risk-based capital ratio | 32.5044% | 440 |
| Memoranda: | ||
| Average total assets | $93,281,000 | 5,273 |
| Average earning assets | $89,671,670 | 5,106 |
| Average equity | $17,529,670 | 3,542 |
| Average total loans | $44,306,330 | 5,853 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4531% | 6,889 |
| Cost of funding earning assets | 0.8225% | 7,024 |
| Net interest margin | 3.6306% | 4,573 |
| Noninterest income to average assets | 0.1444% | 6,942 |
| Noninterest expense to average assets | 4.8023% | 433 |
| Loan and lease loss provision to assets | 1.5031% | 775 |
| Net operating income to assets | -2.6750% | 7,594 |
| Return on assets (ROA) | -1.7918% | 7,409 |
| Pretax return on assets | -1.7918% | 7,346 |
| Return on Equity (ROE) | -9.5849% | 7,122 |
| Retained earnings to average equity (ytd only) | -9.5849% | 6,938 |
| Net charge-offs to loans | 0.2247% | 3,583 |
| Credit loss provision to net charge-offs | 1,475.0000% | 344 |
| Earnings coverage of net charge-offs (x) | -11.5000% | 5,564 |
| Efficiency ratio | 132.2807% | 317 |
| Assets per employee ($millions) | 3.5745% | 4,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3407% | 1,516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 47.9454% | 6,682 |
| Net loans and leases to deposits | 59.2974% | 6,532 |
| Net loans and leases to core deposits | 60.8804% | 6,677 |
| Total domestic deposits to total assets | 80.8558% | 5,508 |
| Equity capital to assets | 18.7826% | 353 |
| Core capital (leverage) ratio | 18.3761% | 352 |
| Tier 1 risk-based capital ratio | 33.2470% | 402 |
| Total risk-based capital ratio | 34.4790% | 395 |
| Memoranda: | ||
| Average total assets | $94,205,000 | 5,311 |
| Average earning assets | $90,453,000 | 5,153 |
| Average equity | $17,611,000 | 3,549 |
| Average total loans | $42,714,500 | 5,996 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9243% | 7,725 |
| Cost of funding earning assets | 1.6768% | 4,632 |
| Net interest margin | 2.2474% | 7,622 |
| Noninterest income to average assets | 0.4233% | 5,024 |
| Noninterest expense to average assets | 4.4325% | 850 |
| Loan and lease loss provision to assets | 0.4349% | 4,217 |
| Net operating income to assets | -2.2781% | 7,190 |
| Return on assets (ROA) | -1.2169% | 6,716 |
| Pretax return on assets | -1.2169% | 6,550 |
| Return on Equity (ROE) | -6.7757% | 6,368 |
| Retained earnings to average equity (ytd only) | -6.7757% | 6,217 |
| Net charge-offs to loans | 0.2862% | 4,841 |
| Credit loss provision to net charge-offs | 463.9175% | 670 |
| Earnings coverage of net charge-offs (x) | -19.6598% | 7,191 |
| Efficiency ratio | 171.1833% | 218 |
| Assets per employee ($millions) | 3.8189% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8567% | 2,389 |
| Loan loss allowance to noncurrent loans | 2,548.2759% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 7,447 |
| Noncurrent loans to loans | 0.0729% | 7,240 |
| Net loans and leases to total assets | 40.9152% | 7,309 |
| Net loans and leases to deposits | 50.5023% | 7,233 |
| Net loans and leases to core deposits | 54.2240% | 7,463 |
| Total domestic deposits to total assets | 81.0166% | 5,339 |
| Equity capital to assets | 18.6084% | 400 |
| Core capital (leverage) ratio | 17.3979% | 445 |
| Tier 1 risk-based capital ratio | 34.0629% | 369 |
| Total risk-based capital ratio | 35.3334% | 360 |
| Memoranda: | ||
| Average total assets | $103,462,000 | 4,998 |
| Average earning assets | $99,713,200 | 4,850 |
| Average equity | $18,581,200 | 3,411 |
| Average total loans | $33,897,000 | 6,401 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6644% | 7,904 |
| Cost of funding earning assets | 1.8880% | 3,940 |
| Net interest margin | 1.7764% | 7,891 |
| Noninterest income to average assets | 0.2819% | 6,221 |
| Noninterest expense to average assets | 4.1721% | 1,063 |
| Loan and lease loss provision to assets | 0.5108% | 3,340 |
| Net operating income to assets | -2.6891% | 7,511 |
| Return on assets (ROA) | -1.4514% | 7,085 |
| Pretax return on assets | -1.4514% | 6,936 |
| Return on Equity (ROE) | -8.1482% | 6,748 |
| Retained earnings to average equity (ytd only) | -8.1482% | 6,622 |
| Net charge-offs to loans | 0.3989% | 3,669 |
| Credit loss provision to net charge-offs | 416.4948% | 956 |
| Earnings coverage of net charge-offs (x) | -17.7629% | 6,934 |
| Efficiency ratio | 209.2581% | 133 |
| Assets per employee ($millions) | 3.9210% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9950% | 1,813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 32.1576% | 7,744 |
| Net loans and leases to deposits | 41.3909% | 7,687 |
| Net loans and leases to core deposits | 44.3622% | 7,793 |
| Total domestic deposits to total assets | 77.6926% | 6,173 |
| Equity capital to assets | 17.2133% | 602 |
| Core capital (leverage) ratio | 17.9514% | 456 |
| Tier 1 risk-based capital ratio | 31.3632% | 501 |
| Total risk-based capital ratio | 32.6299% | 488 |
| Memoranda: | ||
| Average total assets | $105,459,250 | 4,974 |
| Average earning assets | $101,624,000 | 4,830 |
| Average equity | $18,785,000 | 3,405 |
| Average total loans | $32,420,750 | 6,542 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6510% | 8,004 |
| Cost of funding earning assets | 2.1353% | 3,108 |
| Net interest margin | 1.5157% | 8,014 |
| Noninterest income to average assets | 0.0361% | 7,808 |
| Noninterest expense to average assets | 3.9744% | 1,359 |
| Loan and lease loss provision to assets | 0.5051% | 3,013 |
| Net operating income to assets | -2.9851% | 7,668 |
| Return on assets (ROA) | -1.3482% | 7,186 |
| Pretax return on assets | -1.3482% | 7,011 |
| Return on Equity (ROE) | -7.4846% | 6,853 |
| Retained earnings to average equity (ytd only) | -7.4846% | 6,619 |
| Net charge-offs to loans | 0.6130% | 2,511 |
| Credit loss provision to net charge-offs | 274.2268% | 1,709 |
| Earnings coverage of net charge-offs (x) | -13.4639% | 6,543 |
| Efficiency ratio | 265.9466% | 100 |
| Assets per employee ($millions) | 3.8432% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6856% | 2,395 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 32.3369% | 7,827 |
| Net loans and leases to deposits | 39.8879% | 7,820 |
| Net loans and leases to core deposits | 48.1830% | 7,797 |
| Total domestic deposits to total assets | 81.0694% | 5,058 |
| Equity capital to assets | 18.1220% | 536 |
| Core capital (leverage) ratio | 17.4923% | 560 |
| Tier 1 risk-based capital ratio | 37.9054% | 350 |
| Total risk-based capital ratio | 39.1561% | 342 |
| Memoranda: | ||
| Average total assets | $105,323,670 | 5,005 |
| Average earning assets | $101,342,000 | 4,864 |
| Average equity | $18,972,330 | 3,396 |
| Average total loans | $31,648,670 | 6,633 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8460% | 8,025 |
| Cost of funding earning assets | 2.1328% | 3,504 |
| Net interest margin | 1.7132% | 8,002 |
| Noninterest income to average assets | 0.0259% | 7,949 |
| Noninterest expense to average assets | 3.6103% | 1,846 |
| Loan and lease loss provision to assets | 0.4147% | 2,845 |
| Net operating income to assets | -2.3513% | 7,734 |
| Return on assets (ROA) | 0.6813% | 3,840 |
| Pretax return on assets | 0.6813% | 4,494 |
| Return on Equity (ROE) | 3.7929% | 5,030 |
| Retained earnings to average equity (ytd only) | 3.7929% | 3,779 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 215.7080% | 162 |
| Assets per employee ($millions) | 5.0390% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6079% | 2,484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 27.4344% | 7,974 |
| Net loans and leases to deposits | 38.4240% | 7,888 |
| Net loans and leases to core deposits | 48.1310% | 7,831 |
| Total domestic deposits to total assets | 71.3992% | 7,287 |
| Equity capital to assets | 17.0625% | 717 |
| Core capital (leverage) ratio | 17.6244% | 593 |
| Tier 1 risk-based capital ratio | 36.4382% | 394 |
| Total risk-based capital ratio | 37.5214% | 391 |
| Memoranda: | ||
| Average total assets | $108,024,000 | 4,951 |
| Average earning assets | $103,900,000 | 4,808 |
| Average equity | $19,404,500 | 3,365 |
| Average total loans | $31,040,000 | 6,696 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2002% | 7,688 |
| Cost of funding earning assets | 2.4479% | 4,484 |
| Net interest margin | 2.7523% | 7,406 |
| Noninterest income to average assets | 0.0374% | 7,947 |
| Noninterest expense to average assets | 4.8362% | 693 |
| Loan and lease loss provision to assets | 1.1023% | 1,318 |
| Net operating income to assets | -3.2667% | 7,881 |
| Return on assets (ROA) | -3.2112% | 7,845 |
| Pretax return on assets | -3.2126% | 7,762 |
| Return on Equity (ROE) | -11.3844% | 7,377 |
| Retained earnings to average equity (ytd only) | -11.3844% | 7,195 |
| Net charge-offs to loans | 2.5256% | 374 |
| Credit loss provision to net charge-offs | 144.8087% | 3,650 |
| Earnings coverage of net charge-offs (x) | -2.8452% | 6,757 |
| Efficiency ratio | 181.1007% | 244 |
| Assets per employee ($millions) | 5.5364% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 4,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 29.2658% | 8,009 |
| Net loans and leases to deposits | 42.3598% | 7,888 |
| Net loans and leases to core deposits | 53.8887% | 7,806 |
| Total domestic deposits to total assets | 69.0886% | 7,374 |
| Equity capital to assets | 18.9123% | 555 |
| Core capital (leverage) ratio | 20.8975% | 381 |
| Tier 1 risk-based capital ratio | 43.1282% | 284 |
| Total risk-based capital ratio | 44.0918% | 283 |
| Memoranda: | ||
| Average total assets | $72,122,400 | 5,961 |
| Average earning assets | $68,997,800 | 5,859 |
| Average equity | $20,343,600 | 3,173 |
| Average total loans | $21,737,400 | 7,210 |