Home > Alabama Trust Bank > Performance and Condition Ratios
Alabama Trust Bank, 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 | 5.7772% | 444 |
| Cost of funding earning assets | 1.2731% | 708 |
| Net interest margin | 4.5041% | 1,006 |
| Noninterest income to average assets | 0.5334% | 3,678 |
| Noninterest expense to average assets | 4.5305% | 541 |
| Loan and lease loss provision to assets | 3.5087% | 47 |
| Net operating income to assets | -3.6514% | 7,246 |
| Return on assets (ROA) | -3.6514% | 7,247 |
| Pretax return on assets | -3.6514% | 7,235 |
| Return on Equity (ROE) | -595.4058% | 7,304 |
| Retained earnings to average equity (ytd only) | -595.4058% | 7,304 |
| Net charge-offs to loans | 8.3116% | 31 |
| Credit loss provision to net charge-offs | 60.0257% | 3,111 |
| Earnings coverage of net charge-offs (x) | -0.0244% | 4,378 |
| Efficiency ratio | 103.2534% | 464 |
| Assets per employee ($millions) | 2.8641% | 6,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6424% | 227 |
| Loan loss allowance to noncurrent loans | 60.5088% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 9.6115% | 330 |
| Noncurrent loans to loans | 7.6723% | 530 |
| Net loans and leases to total assets | 65.3832% | 2,583 |
| Net loans and leases to deposits | 74.6572% | 3,021 |
| Net loans and leases to core deposits | 77.5783% | 3,388 |
| Total domestic deposits to total assets | 87.5778% | 2,605 |
| Equity capital to assets | 0.2153% | 7,303 |
| Core capital (leverage) ratio | 0.1500% | 7,304 |
| Tier 1 risk-based capital ratio | 0.2498% | 7,304 |
| Total risk-based capital ratio | 0.4996% | 7,304 |
| Memoranda: | ||
| Average total assets | $53,239,500 | 6,256 |
| Average earning assets | $45,558,500 | 6,346 |
| Average equity | $326,500 | 7,307 |
| Average total loans | $37,441,500 | 5,757 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5252% | 1,109 |
| Cost of funding earning assets | 1.4013% | 1,036 |
| Net interest margin | 4.1238% | 2,336 |
| Noninterest income to average assets | 0.6121% | 3,103 |
| Noninterest expense to average assets | 5.4575% | 270 |
| Loan and lease loss provision to assets | 3.4420% | 84 |
| Net operating income to assets | -4.7335% | 7,293 |
| Return on assets (ROA) | -4.4785% | 7,286 |
| Pretax return on assets | -4.4785% | 7,292 |
| Return on Equity (ROE) | -113.7484% | 7,321 |
| Retained earnings to average equity (ytd only) | -113.7484% | 7,321 |
| Net charge-offs to loans | 4.2577% | 128 |
| Credit loss provision to net charge-offs | 109.9317% | 3,051 |
| Earnings coverage of net charge-offs (x) | -0.4125% | 6,049 |
| Efficiency ratio | 131.0032% | 225 |
| Assets per employee ($millions) | 2.8908% | 6,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9374% | 184 |
| Loan loss allowance to noncurrent loans | 55.3131% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 10.9657% | 268 |
| Noncurrent loans to loans | 8.9263% | 399 |
| Net loans and leases to total assets | 68.4248% | 2,317 |
| Net loans and leases to deposits | 78.1563% | 2,815 |
| Net loans and leases to core deposits | 83.1262% | 3,003 |
| Total domestic deposits to total assets | 87.5487% | 2,445 |
| Equity capital to assets | 0.9868% | 7,342 |
| Core capital (leverage) ratio | 0.9855% | 7,344 |
| Tier 1 risk-based capital ratio | 1.5754% | 7,342 |
| Total risk-based capital ratio | 2.8830% | 7,342 |
| Memoranda: | ||
| Average total assets | $60,779,200 | 6,013 |
| Average earning assets | $52,378,600 | 6,114 |
| Average equity | $2,393,000 | 7,144 |
| Average total loans | $44,696,000 | 5,480 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6467% | 942 |
| Cost of funding earning assets | 1.4309% | 1,103 |
| Net interest margin | 4.2158% | 2,039 |
| Noninterest income to average assets | 0.5891% | 3,239 |
| Noninterest expense to average assets | 5.1346% | 329 |
| Loan and lease loss provision to assets | 1.3452% | 550 |
| Net operating income to assets | -2.2556% | 7,187 |
| Return on assets (ROA) | -2.2556% | 7,194 |
| Pretax return on assets | -2.2556% | 7,174 |
| Return on Equity (ROE) | -49.1626% | 7,286 |
| Retained earnings to average equity (ytd only) | -49.1626% | 7,280 |
| Net charge-offs to loans | 3.2879% | 258 |
| Credit loss provision to net charge-offs | 55.3792% | 4,913 |
| Earnings coverage of net charge-offs (x) | -0.3748% | 5,790 |
| Efficiency ratio | 121.5517% | 293 |
| Assets per employee ($millions) | 2.7025% | 6,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9618% | 893 |
| Loan loss allowance to noncurrent loans | 56.4944% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 7.2273% | 669 |
| Noncurrent loans to loans | 5.2427% | 1,162 |
| Net loans and leases to total assets | 69.2675% | 2,227 |
| Net loans and leases to deposits | 80.7779% | 2,559 |
| Net loans and leases to core deposits | 91.3594% | 2,075 |
| Total domestic deposits to total assets | 85.7506% | 3,353 |
| Equity capital to assets | 4.0013% | 7,324 |
| Core capital (leverage) ratio | 3.6870% | 7,318 |
| Tier 1 risk-based capital ratio | 5.5448% | 7,310 |
| Total risk-based capital ratio | 6.8274% | 7,311 |
| Memoranda: | ||
| Average total assets | $62,242,500 | 6,027 |
| Average earning assets | $53,670,000 | 6,108 |
| Average equity | $2,855,750 | 7,107 |
| Average total loans | $45,986,250 | 5,466 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7482% | 799 |
| Cost of funding earning assets | 1.4554% | 1,177 |
| Net interest margin | 4.2928% | 1,691 |
| Noninterest income to average assets | 0.5730% | 3,309 |
| Noninterest expense to average assets | 5.2587% | 304 |
| Loan and lease loss provision to assets | 0.4432% | 2,222 |
| Net operating income to assets | -1.4310% | 7,075 |
| Return on assets (ROA) | -1.4310% | 7,089 |
| Pretax return on assets | -1.4310% | 7,041 |
| Return on Equity (ROE) | -29.9867% | 7,243 |
| Retained earnings to average equity (ytd only) | -29.9867% | 7,236 |
| Net charge-offs to loans | 2.0565% | 644 |
| Credit loss provision to net charge-offs | 28.8660% | 5,011 |
| Earnings coverage of net charge-offs (x) | -0.6433% | 5,566 |
| Efficiency ratio | 123.1282% | 310 |
| Assets per employee ($millions) | 2.5238% | 6,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1664% | 785 |
| Loan loss allowance to noncurrent loans | 59.7556% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 7.1851% | 694 |
| Noncurrent loans to loans | 5.2989% | 1,214 |
| Net loans and leases to total assets | 71.5948% | 1,861 |
| Net loans and leases to deposits | 84.0863% | 2,095 |
| Net loans and leases to core deposits | 93.3926% | 1,974 |
| Total domestic deposits to total assets | 85.1445% | 3,815 |
| Equity capital to assets | 4.8060% | 7,333 |
| Core capital (leverage) ratio | 4.5702% | 7,332 |
| Tier 1 risk-based capital ratio | 6.7505% | 7,327 |
| Total risk-based capital ratio | 8.0263% | 7,331 |
| Memoranda: | ||
| Average total assets | $63,171,670 | 6,044 |
| Average earning assets | $54,417,330 | 6,132 |
| Average equity | $3,014,670 | 7,122 |
| Average total loans | $47,168,330 | 5,473 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8147% | 722 |
| Cost of funding earning assets | 1.5010% | 1,159 |
| Net interest margin | 4.3137% | 1,522 |
| Noninterest income to average assets | 0.4901% | 3,968 |
| Noninterest expense to average assets | 5.2736% | 295 |
| Loan and lease loss provision to assets | 0.8748% | 931 |
| Net operating income to assets | -1.9853% | 7,278 |
| Return on assets (ROA) | -1.9853% | 7,277 |
| Pretax return on assets | -1.9853% | 7,250 |
| Return on Equity (ROE) | -41.7414% | 7,381 |
| Retained earnings to average equity (ytd only) | -41.7414% | 7,363 |
| Net charge-offs to loans | 2.1836% | 567 |
| Credit loss provision to net charge-offs | 53.4091% | 3,683 |
| Earnings coverage of net charge-offs (x) | -0.6780% | 4,842 |
| Efficiency ratio | 126.6766% | 286 |
| Assets per employee ($millions) | 2.5904% | 6,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4722% | 622 |
| Loan loss allowance to noncurrent loans | 75.6458% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 6.0995% | 935 |
| Noncurrent loans to loans | 4.5901% | 1,511 |
| Net loans and leases to total assets | 70.4026% | 2,053 |
| Net loans and leases to deposits | 81.8175% | 2,393 |
| Net loans and leases to core deposits | 93.9363% | 1,891 |
| Total domestic deposits to total assets | 86.0483% | 3,502 |
| Equity capital to assets | 4.5106% | 7,409 |
| Core capital (leverage) ratio | 4.6389% | 7,383 |
| Tier 1 risk-based capital ratio | 6.4736% | 7,403 |
| Total risk-based capital ratio | 7.7517% | 7,405 |
| Memoranda: | ||
| Average total assets | $64,472,500 | 6,045 |
| Average earning assets | $54,895,500 | 6,169 |
| Average equity | $3,066,500 | 7,150 |
| Average total loans | $48,361,000 | 5,468 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8002% | 1,276 |
| Cost of funding earning assets | 1.5751% | 2,214 |
| Net interest margin | 4.2250% | 2,079 |
| Noninterest income to average assets | 0.4626% | 4,424 |
| Noninterest expense to average assets | 5.0972% | 390 |
| Loan and lease loss provision to assets | 2.0544% | 632 |
| Net operating income to assets | -2.8445% | 7,259 |
| Return on assets (ROA) | -2.5743% | 7,218 |
| Pretax return on assets | -2.5743% | 7,188 |
| Return on Equity (ROE) | -37.9651% | 7,324 |
| Retained earnings to average equity (ytd only) | -37.9651% | 7,315 |
| Net charge-offs to loans | 2.6061% | 708 |
| Credit loss provision to net charge-offs | 98.6601% | 4,689 |
| Earnings coverage of net charge-offs (x) | -0.3794% | 6,401 |
| Efficiency ratio | 118.3430% | 424 |
| Assets per employee ($millions) | 2.5674% | 6,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5623% | 572 |
| Loan loss allowance to noncurrent loans | 147.9027% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 4.4153% | 1,510 |
| Noncurrent loans to loans | 2.4086% | 3,106 |
| Net loans and leases to total assets | 74.3573% | 1,586 |
| Net loans and leases to deposits | 86.9804% | 1,940 |
| Net loans and leases to core deposits | 99.5557% | 1,653 |
| Total domestic deposits to total assets | 85.4875% | 3,606 |
| Equity capital to assets | 5.0042% | 7,431 |
| Core capital (leverage) ratio | 5.0477% | 7,416 |
| Tier 1 risk-based capital ratio | 7.1811% | 7,406 |
| Total risk-based capital ratio | 8.4653% | 7,410 |
| Memoranda: | ||
| Average total assets | $68,096,600 | 5,934 |
| Average earning assets | $61,963,800 | 5,923 |
| Average equity | $4,617,400 | 6,781 |
| Average total loans | $54,410,200 | 5,299 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8002% | 1,397 |
| Cost of funding earning assets | 1.6056% | 2,361 |
| Net interest margin | 4.1946% | 2,236 |
| Noninterest income to average assets | 0.4536% | 4,528 |
| Noninterest expense to average assets | 3.8721% | 1,241 |
| Loan and lease loss provision to assets | 1.2566% | 1,121 |
| Net operating income to assets | -0.8223% | 6,800 |
| Return on assets (ROA) | -0.4671% | 6,612 |
| Pretax return on assets | -0.4671% | 6,526 |
| Return on Equity (ROE) | -6.4938% | 6,758 |
| Retained earnings to average equity (ytd only) | -6.4938% | 6,678 |
| Net charge-offs to loans | 2.3172% | 764 |
| Credit loss provision to net charge-offs | 67.3216% | 5,491 |
| Earnings coverage of net charge-offs (x) | 0.2327% | 5,779 |
| Efficiency ratio | 89.9148% | 1,300 |
| Assets per employee ($millions) | 2.6467% | 6,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8550% | 953 |
| Loan loss allowance to noncurrent loans | 182.8964% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 4.9510% | 1,308 |
| Noncurrent loans to loans | 1.5610% | 4,300 |
| Net loans and leases to total assets | 75.3355% | 1,524 |
| Net loans and leases to deposits | 90.4584% | 1,657 |
| Net loans and leases to core deposits | 104.2365% | 1,458 |
| Total domestic deposits to total assets | 83.2819% | 4,467 |
| Equity capital to assets | 7.3857% | 7,187 |
| Core capital (leverage) ratio | 7.2777% | 7,022 |
| Tier 1 risk-based capital ratio | 9.8856% | 7,123 |
| Total risk-based capital ratio | 11.1556% | 7,104 |
| Memoranda: | ||
| Average total assets | $69,074,250 | 5,970 |
| Average earning assets | $63,444,750 | 5,936 |
| Average equity | $4,968,750 | 6,759 |
| Average total loans | $55,640,250 | 5,325 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7435% | 1,583 |
| Cost of funding earning assets | 1.6002% | 2,653 |
| Net interest margin | 4.1433% | 2,361 |
| Noninterest income to average assets | 0.4683% | 4,372 |
| Noninterest expense to average assets | 3.7120% | 1,538 |
| Loan and lease loss provision to assets | 1.6561% | 775 |
| Net operating income to assets | -1.0479% | 6,966 |
| Return on assets (ROA) | -1.0479% | 6,980 |
| Pretax return on assets | -1.0479% | 6,910 |
| Return on Equity (ROE) | -14.6918% | 7,134 |
| Retained earnings to average equity (ytd only) | -14.6918% | 7,096 |
| Net charge-offs to loans | 2.5822% | 652 |
| Credit loss provision to net charge-offs | 78.6974% | 4,741 |
| Earnings coverage of net charge-offs (x) | 0.2890% | 5,438 |
| Efficiency ratio | 85.9220% | 1,715 |
| Assets per employee ($millions) | 2.6354% | 6,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9713% | 841 |
| Loan loss allowance to noncurrent loans | 46.7626% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 5.5618% | 1,102 |
| Noncurrent loans to loans | 6.3541% | 963 |
| Net loans and leases to total assets | 77.4420% | 1,208 |
| Net loans and leases to deposits | 92.3816% | 1,469 |
| Net loans and leases to core deposits | 104.8468% | 1,552 |
| Total domestic deposits to total assets | 83.8283% | 4,186 |
| Equity capital to assets | 7.2839% | 7,234 |
| Core capital (leverage) ratio | 7.0274% | 7,175 |
| Tier 1 risk-based capital ratio | 9.4084% | 7,301 |
| Total risk-based capital ratio | 10.6877% | 7,295 |
| Memoranda: | ||
| Average total assets | $70,043,000 | 5,977 |
| Average earning assets | $65,117,000 | 5,921 |
| Average equity | $4,996,000 | 6,781 |
| Average total loans | $57,082,670 | 5,300 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7721% | 1,549 |
| Cost of funding earning assets | 1.6196% | 2,841 |
| Net interest margin | 4.1525% | 2,218 |
| Noninterest income to average assets | 0.4350% | 4,607 |
| Noninterest expense to average assets | 3.7343% | 1,448 |
| Loan and lease loss provision to assets | 3.2767% | 292 |
| Net operating income to assets | -2.7230% | 7,597 |
| Return on assets (ROA) | -2.7230% | 7,599 |
| Pretax return on assets | -2.7230% | 7,554 |
| Return on Equity (ROE) | -38.5716% | 7,644 |
| Retained earnings to average equity (ytd only) | -38.5716% | 7,628 |
| Net charge-offs to loans | 3.1503% | 476 |
| Credit loss provision to net charge-offs | 126.3617% | 2,785 |
| Earnings coverage of net charge-offs (x) | 0.2135% | 4,849 |
| Efficiency ratio | 87.0883% | 1,679 |
| Assets per employee ($millions) | 2.5909% | 7,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3652% | 599 |
| Loan loss allowance to noncurrent loans | 54.0318% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 5.4521% | 1,135 |
| Noncurrent loans to loans | 6.2281% | 1,032 |
| Net loans and leases to total assets | 78.1174% | 1,129 |
| Net loans and leases to deposits | 92.5107% | 1,542 |
| Net loans and leases to core deposits | 106.9769% | 1,496 |
| Total domestic deposits to total assets | 84.4414% | 3,921 |
| Equity capital to assets | 6.8187% | 7,443 |
| Core capital (leverage) ratio | 6.6882% | 7,395 |
| Tier 1 risk-based capital ratio | 8.8497% | 7,507 |
| Total risk-based capital ratio | 10.1276% | 7,519 |
| Memoranda: | ||
| Average total assets | $70,804,000 | 6,024 |
| Average earning assets | $65,695,000 | 5,975 |
| Average equity | $4,998,500 | 6,847 |
| Average total loans | $58,279,500 | 5,325 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2311% | 1,160 |
| Cost of funding earning assets | 1.9816% | 3,046 |
| Net interest margin | 4.2496% | 1,897 |
| Noninterest income to average assets | 0.5156% | 4,285 |
| Noninterest expense to average assets | 3.4688% | 2,459 |
| Loan and lease loss provision to assets | 2.9060% | 617 |
| Net operating income to assets | -1.7719% | 7,003 |
| Return on assets (ROA) | -1.6604% | 6,944 |
| Pretax return on assets | -1.7816% | 6,851 |
| Return on Equity (ROE) | -21.7181% | 7,197 |
| Retained earnings to average equity (ytd only) | -21.7181% | 7,167 |
| Net charge-offs to loans | 2.0717% | 1,185 |
| Credit loss provision to net charge-offs | 169.6721% | 2,518 |
| Earnings coverage of net charge-offs (x) | 0.5864% | 5,515 |
| Efficiency ratio | 74.8645% | 3,733 |
| Assets per employee ($millions) | 3.1153% | 5,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9696% | 789 |
| Loan loss allowance to noncurrent loans | 41.0127% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 6.2314% | 890 |
| Noncurrent loans to loans | 7.2406% | 746 |
| Net loans and leases to total assets | 81.2625% | 799 |
| Net loans and leases to deposits | 96.5238% | 1,267 |
| Net loans and leases to core deposits | 121.8801% | 1,788 |
| Total domestic deposits to total assets | 84.1891% | 3,943 |
| Equity capital to assets | 7.2949% | 7,205 |
| Core capital (leverage) ratio | 6.8437% | 7,344 |
| Tier 1 risk-based capital ratio | 9.1498% | 7,398 |
| Total risk-based capital ratio | 10.4224% | 7,398 |
| Memoranda: | ||
| Average total assets | $78,356,400 | 5,774 |
| Average earning assets | $72,972,200 | 5,722 |
| Average equity | $5,990,400 | 6,605 |
| Average total loans | $64,778,200 | 5,076 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3067% | 1,123 |
| Cost of funding earning assets | 2.0372% | 3,174 |
| Net interest margin | 4.2694% | 1,809 |
| Noninterest income to average assets | 0.5364% | 4,179 |
| Noninterest expense to average assets | 3.5318% | 2,191 |
| Loan and lease loss provision to assets | 1.4094% | 1,366 |
| Net operating income to assets | -0.4715% | 6,398 |
| Return on assets (ROA) | -0.3149% | 6,232 |
| Pretax return on assets | -0.2715% | 6,067 |
| Return on Equity (ROE) | -4.0767% | 6,348 |
| Retained earnings to average equity (ytd only) | -4.0767% | 6,120 |
| Net charge-offs to loans | 0.9944% | 1,983 |
| Credit loss provision to net charge-offs | 171.9512% | 2,700 |
| Earnings coverage of net charge-offs (x) | 1.1972% | 4,867 |
| Efficiency ratio | 74.7877% | 3,727 |
| Assets per employee ($millions) | 3.1815% | 5,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8849% | 2,070 |
| Loan loss allowance to noncurrent loans | 80.9299% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 2.0548% | 3,273 |
| Noncurrent loans to loans | 2.3290% | 3,229 |
| Net loans and leases to total assets | 81.8744% | 834 |
| Net loans and leases to deposits | 97.6172% | 1,369 |
| Net loans and leases to core deposits | 128.2827% | 1,560 |
| Total domestic deposits to total assets | 83.8729% | 3,785 |
| Equity capital to assets | 7.9548% | 6,892 |
| Core capital (leverage) ratio | 7.6681% | 6,773 |
| Tier 1 risk-based capital ratio | 9.7418% | 7,200 |
| Total risk-based capital ratio | 11.0012% | 7,154 |
| Memoranda: | ||
| Average total assets | $80,032,250 | 5,763 |
| Average earning assets | $74,543,500 | 5,694 |
| Average equity | $6,181,250 | 6,598 |
| Average total loans | $65,970,500 | 5,066 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2239% | 1,395 |
| Cost of funding earning assets | 2.0958% | 3,292 |
| Net interest margin | 4.1281% | 2,229 |
| Noninterest income to average assets | 0.5513% | 4,029 |
| Noninterest expense to average assets | 3.4901% | 2,365 |
| Loan and lease loss provision to assets | 1.3636% | 1,267 |
| Net operating income to assets | -0.5095% | 6,557 |
| Return on assets (ROA) | -0.2732% | 6,310 |
| Pretax return on assets | -0.2215% | 6,146 |
| Return on Equity (ROE) | -3.5709% | 6,430 |
| Retained earnings to average equity (ytd only) | -3.5709% | 6,059 |
| Net charge-offs to loans | 0.8363% | 2,017 |
| Credit loss provision to net charge-offs | 198.5663% | 2,304 |
| Earnings coverage of net charge-offs (x) | 1.3190% | 4,535 |
| Efficiency ratio | 74.1321% | 4,014 |
| Assets per employee ($millions) | 3.6092% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8399% | 1,945 |
| Loan loss allowance to noncurrent loans | 109.5111% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 1.5050% | 3,976 |
| Noncurrent loans to loans | 1.6801% | 3,981 |
| Net loans and leases to total assets | 82.7800% | 812 |
| Net loans and leases to deposits | 97.7935% | 1,553 |
| Net loans and leases to core deposits | 129.0043% | 1,653 |
| Total domestic deposits to total assets | 84.6477% | 3,424 |
| Equity capital to assets | 7.5338% | 7,234 |
| Core capital (leverage) ratio | 7.5074% | 7,001 |
| Tier 1 risk-based capital ratio | 9.4336% | 7,448 |
| Total risk-based capital ratio | 10.6919% | 7,397 |
| Memoranda: | ||
| Average total assets | $81,257,670 | 5,750 |
| Average earning assets | $75,676,330 | 5,684 |
| Average equity | $6,217,000 | 6,633 |
| Average total loans | $66,721,670 | 5,080 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2276% | 1,508 |
| Cost of funding earning assets | 2.2301% | 3,011 |
| Net interest margin | 3.9974% | 2,654 |
| Noninterest income to average assets | 0.5743% | 3,728 |
| Noninterest expense to average assets | 2.8472% | 4,347 |
| Loan and lease loss provision to assets | 0.2434% | 4,033 |
| Net operating income to assets | 1.1175% | 1,903 |
| Return on assets (ROA) | 0.9929% | 2,476 |
| Pretax return on assets | 1.0610% | 3,143 |
| Return on Equity (ROE) | 12.8818% | 1,421 |
| Retained earnings to average equity (ytd only) | 12.8818% | 656 |
| Net charge-offs to loans | 0.0721% | 4,468 |
| Credit loss provision to net charge-offs | 416.6667% | 1,264 |
| Earnings coverage of net charge-offs (x) | 24.4167% | 1,241 |
| Efficiency ratio | 66.6287% | 5,211 |
| Assets per employee ($millions) | 3.4529% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 3,974 |
| Loan loss allowance to noncurrent loans | 74.1206% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.8113% | 3,199 |
| Noncurrent loans to loans | 1.7781% | 3,595 |
| Net loans and leases to total assets | 79.9614% | 1,395 |
| Net loans and leases to deposits | 96.9410% | 1,810 |
| Net loans and leases to core deposits | 126.2701% | 1,899 |
| Total domestic deposits to total assets | 82.4846% | 4,378 |
| Equity capital to assets | 7.8074% | 7,059 |
| Core capital (leverage) ratio | 7.8489% | 6,693 |
| Tier 1 risk-based capital ratio | 9.5009% | 7,423 |
| Total risk-based capital ratio | 10.7517% | 7,372 |
| Memoranda: | ||
| Average total assets | $82,185,500 | 5,738 |
| Average earning assets | $76,049,000 | 5,699 |
| Average equity | $6,334,500 | 6,647 |
| Average total loans | $66,602,000 | 5,115 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9842% | 1,176 |
| Cost of funding earning assets | 2.7725% | 2,818 |
| Net interest margin | 4.2117% | 2,272 |
| Noninterest income to average assets | 0.6245% | 3,679 |
| Noninterest expense to average assets | 3.1535% | 3,502 |
| Loan and lease loss provision to assets | 0.1518% | 5,424 |
| Net operating income to assets | 0.7148% | 3,828 |
| Return on assets (ROA) | 0.6546% | 3,936 |
| Pretax return on assets | 1.2469% | 2,491 |
| Return on Equity (ROE) | 7.3885% | 3,328 |
| Retained earnings to average equity (ytd only) | -45.9539% | 8,103 |
| Net charge-offs to loans | 0.2195% | 4,033 |
| Credit loss provision to net charge-offs | 84.8315% | 5,789 |
| Earnings coverage of net charge-offs (x) | 7.9831% | 2,971 |
| Efficiency ratio | 68.8172% | 4,574 |
| Assets per employee ($millions) | 3.3959% | 4,956 |
| Cash dividends to net income (ytd only)* | 721.9662% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 3,912 |
| Loan loss allowance to noncurrent loans | 107.6239% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 1.3423% | 3,529 |
| Noncurrent loans to loans | 1.1914% | 4,123 |
| Net loans and leases to total assets | 80.0088% | 1,658 |
| Net loans and leases to deposits | 97.4840% | 2,199 |
| Net loans and leases to core deposits | 127.9090% | 2,005 |
| Total domestic deposits to total assets | 82.0738% | 4,170 |
| Equity capital to assets | 7.6060% | 7,297 |
| Core capital (leverage) ratio | 7.3819% | 7,325 |
| Tier 1 risk-based capital ratio | 9.1052% | 7,712 |
| Total risk-based capital ratio | 10.3521% | 7,676 |
| Memoranda: | ||
| Average total assets | $99,445,800 | 5,066 |
| Average earning assets | $93,453,200 | 4,986 |
| Average equity | $8,811,000 | 5,805 |
| Average total loans | $81,082,400 | 4,489 |