Home > Alaska Pacific Bank > Performance and Condition Ratios
Alaska Pacific Bank, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9163% | 848 |
| Cost of funding earning assets | 0.2181% | 5,861 |
| Net interest margin | 4.6982% | 472 |
| Noninterest income to average assets | 1.7048% | 432 |
| Noninterest expense to average assets | 9.2356% | 85 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.8518% | 6,653 |
| Return on assets (ROA) | -1.8518% | 6,649 |
| Pretax return on assets | -3.1088% | 6,691 |
| Return on Equity (ROE) | -18.0984% | 6,620 |
| Retained earnings to average equity (ytd only) | -129.5153% | 6,719 |
| Net charge-offs to loans | 0.0139% | 3,319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -266.6000% | 3,655 |
| Efficiency ratio | 150.7423% | 63 |
| Assets per employee ($millions) | 3.0873% | 5,711 |
| Cash dividends to net income (ytd only)* | -615.6171% | 6,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 3,860 |
| Loan loss allowance to noncurrent loans | 43.6126% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 3.6811% | 688 |
| Noncurrent loans to loans | 3.0912% | 1,015 |
| Net loans and leases to total assets | 83.6164% | 253 |
| Net loans and leases to deposits | 92.7485% | 897 |
| Net loans and leases to core deposits | 95.2355% | 1,452 |
| Total domestic deposits to total assets | 90.1539% | 993 |
| Equity capital to assets | 8.8312% | 5,295 |
| Core capital (leverage) ratio | 8.7271% | 5,348 |
| Tier 1 risk-based capital ratio | 10.8786% | 6,206 |
| Total risk-based capital ratio | 12.1305% | 6,154 |
| Memoranda: | ||
| Average total assets | $171,511,000 | 3,383 |
| Average earning assets | $161,423,500 | 3,331 |
| Average equity | $17,548,500 | 3,474 |
| Average total loans | $143,891,000 | 2,681 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9587% | 997 |
| Cost of funding earning assets | 0.2496% | 5,966 |
| Net interest margin | 4.7092% | 504 |
| Noninterest income to average assets | 1.2486% | 895 |
| Noninterest expense to average assets | 4.7487% | 424 |
| Loan and lease loss provision to assets | 0.1011% | 3,112 |
| Net operating income to assets | 0.5203% | 4,647 |
| Return on assets (ROA) | 0.5203% | 4,777 |
| Pretax return on assets | 0.8305% | 4,029 |
| Return on Equity (ROE) | 4.4817% | 4,903 |
| Retained earnings to average equity (ytd only) | -1.2680% | 6,095 |
| Net charge-offs to loans | 0.0975% | 3,867 |
| Credit loss provision to net charge-offs | 123.2877% | 1,929 |
| Earnings coverage of net charge-offs (x) | 11.3562% | 2,251 |
| Efficiency ratio | 83.5988% | 1,677 |
| Assets per employee ($millions) | 3.3265% | 5,231 |
| Cash dividends to net income (ytd only)* | 128.2937% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 4,127 |
| Loan loss allowance to noncurrent loans | 33.0450% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 3.4769% | 841 |
| Noncurrent loans to loans | 3.9460% | 738 |
| Net loans and leases to total assets | 81.9967% | 417 |
| Net loans and leases to deposits | 92.9344% | 967 |
| Net loans and leases to core deposits | 95.3394% | 1,501 |
| Total domestic deposits to total assets | 88.2308% | 2,039 |
| Equity capital to assets | 11.5560% | 2,125 |
| Core capital (leverage) ratio | 11.4751% | 1,984 |
| Tier 1 risk-based capital ratio | 14.6404% | 3,876 |
| Total risk-based capital ratio | 15.8918% | 3,822 |
| Memoranda: | ||
| Average total assets | $177,966,200 | 3,293 |
| Average earning assets | $167,482,000 | 3,250 |
| Average equity | $20,662,000 | 3,084 |
| Average total loans | $149,795,000 | 2,560 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9619% | 1,010 |
| Cost of funding earning assets | 0.2601% | 6,016 |
| Net interest margin | 4.7017% | 514 |
| Noninterest income to average assets | 1.2639% | 918 |
| Noninterest expense to average assets | 4.7657% | 415 |
| Loan and lease loss provision to assets | 0.1345% | 2,597 |
| Net operating income to assets | 0.3924% | 5,270 |
| Return on assets (ROA) | 0.3924% | 5,409 |
| Pretax return on assets | 0.7818% | 4,363 |
| Return on Equity (ROE) | 3.3760% | 5,479 |
| Retained earnings to average equity (ytd only) | 0.9388% | 5,607 |
| Net charge-offs to loans | 0.1009% | 3,535 |
| Credit loss provision to net charge-offs | 157.8947% | 1,497 |
| Earnings coverage of net charge-offs (x) | 10.7541% | 2,323 |
| Efficiency ratio | 83.8727% | 1,616 |
| Assets per employee ($millions) | 3.0937% | 5,688 |
| Cash dividends to net income (ytd only)* | 72.1906% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 4,439 |
| Loan loss allowance to noncurrent loans | 32.9823% | 5,874 |
| Noncurrent assets plus other real estate owned to assets | 3.4176% | 1,002 |
| Noncurrent loans to loans | 3.9150% | 906 |
| Net loans and leases to total assets | 81.3326% | 421 |
| Net loans and leases to deposits | 92.0149% | 979 |
| Net loans and leases to core deposits | 94.0964% | 1,566 |
| Total domestic deposits to total assets | 88.3908% | 1,899 |
| Equity capital to assets | 11.4038% | 2,377 |
| Core capital (leverage) ratio | 11.3138% | 2,185 |
| Tier 1 risk-based capital ratio | 14.4769% | 4,085 |
| Total risk-based capital ratio | 15.7284% | 4,038 |
| Memoranda: | ||
| Average total assets | $178,381,000 | 3,318 |
| Average earning assets | $167,621,500 | 3,281 |
| Average equity | $20,734,000 | 3,108 |
| Average total loans | $150,624,750 | 2,558 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9661% | 962 |
| Cost of funding earning assets | 0.2794% | 5,987 |
| Net interest margin | 4.6867% | 519 |
| Noninterest income to average assets | 1.2090% | 1,047 |
| Noninterest expense to average assets | 4.9074% | 384 |
| Loan and lease loss provision to assets | 0.1356% | 2,632 |
| Net operating income to assets | 0.3898% | 5,249 |
| Return on assets (ROA) | 0.3898% | 5,413 |
| Pretax return on assets | 0.5638% | 5,154 |
| Return on Equity (ROE) | 3.3322% | 5,491 |
| Retained earnings to average equity (ytd only) | 0.2511% | 5,781 |
| Net charge-offs to loans | -0.0040% | 5,598 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5252% | 1,274 |
| Assets per employee ($millions) | 2.7546% | 6,214 |
| Cash dividends to net income (ytd only)* | 92.4638% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 4,395 |
| Loan loss allowance to noncurrent loans | 33.0195% | 5,909 |
| Noncurrent assets plus other real estate owned to assets | 3.6394% | 1,027 |
| Noncurrent loans to loans | 4.0011% | 973 |
| Net loans and leases to total assets | 84.6943% | 199 |
| Net loans and leases to deposits | 96.0990% | 663 |
| Net loans and leases to core deposits | 98.5206% | 1,170 |
| Total domestic deposits to total assets | 88.1323% | 2,149 |
| Equity capital to assets | 11.7435% | 2,093 |
| Core capital (leverage) ratio | 11.6515% | 1,830 |
| Tier 1 risk-based capital ratio | 14.7034% | 3,967 |
| Total risk-based capital ratio | 15.9554% | 3,930 |
| Memoranda: | ||
| Average total assets | $176,999,000 | 3,350 |
| Average earning assets | $166,087,000 | 3,313 |
| Average equity | $20,707,000 | 3,128 |
| Average total loans | $150,701,000 | 2,562 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9011% | 1,081 |
| Cost of funding earning assets | 0.3149% | 5,849 |
| Net interest margin | 4.5862% | 572 |
| Noninterest income to average assets | 1.3262% | 875 |
| Noninterest expense to average assets | 4.9100% | 392 |
| Loan and lease loss provision to assets | 0.1353% | 2,553 |
| Net operating income to assets | 0.3834% | 5,194 |
| Return on assets (ROA) | 0.3834% | 5,339 |
| Pretax return on assets | 0.5842% | 5,010 |
| Return on Equity (ROE) | 3.2836% | 5,441 |
| Retained earnings to average equity (ytd only) | -1.7384% | 6,048 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2196% | 1,395 |
| Assets per employee ($millions) | 2.7191% | 6,377 |
| Cash dividends to net income (ytd only)* | 152.9412% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 4,710 |
| Loan loss allowance to noncurrent loans | 45.9094% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 2.6313% | 1,728 |
| Noncurrent loans to loans | 2.8269% | 1,792 |
| Net loans and leases to total assets | 84.6105% | 169 |
| Net loans and leases to deposits | 96.2605% | 530 |
| Net loans and leases to core deposits | 98.8659% | 1,015 |
| Total domestic deposits to total assets | 87.8974% | 2,385 |
| Equity capital to assets | 11.8716% | 2,127 |
| Core capital (leverage) ratio | 11.7375% | 1,718 |
| Tier 1 risk-based capital ratio | 14.5876% | 4,116 |
| Total risk-based capital ratio | 15.8389% | 4,079 |
| Memoranda: | ||
| Average total assets | $177,351,500 | 3,384 |
| Average earning assets | $166,413,000 | 3,337 |
| Average equity | $20,709,000 | 3,178 |
| Average total loans | $150,396,500 | 2,576 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1926% | 1,130 |
| Cost of funding earning assets | 0.3454% | 6,242 |
| Net interest margin | 4.8472% | 501 |
| Noninterest income to average assets | 0.9989% | 1,536 |
| Noninterest expense to average assets | 4.9108% | 403 |
| Loan and lease loss provision to assets | 0.1716% | 3,474 |
| Net operating income to assets | 0.3831% | 5,165 |
| Return on assets (ROA) | 0.3902% | 5,376 |
| Pretax return on assets | 0.4771% | 5,347 |
| Return on Equity (ROE) | 3.3289% | 5,416 |
| Retained earnings to average equity (ytd only) | 1.3814% | 5,187 |
| Net charge-offs to loans | 0.1917% | 3,840 |
| Credit loss provision to net charge-offs | 103.8062% | 2,882 |
| Earnings coverage of net charge-offs (x) | 3.8720% | 3,564 |
| Efficiency ratio | 88.4675% | 1,196 |
| Assets per employee ($millions) | 2.7376% | 6,382 |
| Cash dividends to net income (ytd only)* | 58.5044% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 4,947 |
| Loan loss allowance to noncurrent loans | 24.9501% | 6,252 |
| Noncurrent assets plus other real estate owned to assets | 4.3518% | 960 |
| Noncurrent loans to loans | 4.9592% | 812 |
| Net loans and leases to total assets | 82.8754% | 279 |
| Net loans and leases to deposits | 95.5853% | 648 |
| Net loans and leases to core deposits | 97.4699% | 1,184 |
| Total domestic deposits to total assets | 86.7032% | 2,991 |
| Equity capital to assets | 11.4892% | 2,460 |
| Core capital (leverage) ratio | 11.3554% | 1,972 |
| Tier 1 risk-based capital ratio | 14.9211% | 3,766 |
| Total risk-based capital ratio | 16.1727% | 3,713 |
| Memoranda: | ||
| Average total assets | $174,799,800 | 3,379 |
| Average earning assets | $164,156,600 | 3,318 |
| Average equity | $20,487,200 | 3,145 |
| Average total loans | $150,719,800 | 2,565 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2268% | 1,140 |
| Cost of funding earning assets | 0.3533% | 6,359 |
| Net interest margin | 4.8735% | 499 |
| Noninterest income to average assets | 0.8554% | 2,001 |
| Noninterest expense to average assets | 4.9500% | 375 |
| Loan and lease loss provision to assets | 0.1846% | 3,277 |
| Net operating income to assets | 0.2176% | 5,870 |
| Return on assets (ROA) | 0.2262% | 6,028 |
| Pretax return on assets | 0.3062% | 5,942 |
| Return on Equity (ROE) | 1.9197% | 6,046 |
| Retained earnings to average equity (ytd only) | -0.3004% | 6,140 |
| Net charge-offs to loans | 0.2215% | 3,395 |
| Credit loss provision to net charge-offs | 96.0000% | 3,107 |
| Earnings coverage of net charge-offs (x) | 2.4920% | 4,043 |
| Efficiency ratio | 91.1731% | 950 |
| Assets per employee ($millions) | 2.7132% | 6,472 |
| Cash dividends to net income (ytd only)* | 115.6458% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 5,148 |
| Loan loss allowance to noncurrent loans | 32.9309% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 3.3635% | 1,504 |
| Noncurrent loans to loans | 3.7322% | 1,428 |
| Net loans and leases to total assets | 83.2475% | 264 |
| Net loans and leases to deposits | 96.2140% | 643 |
| Net loans and leases to core deposits | 98.1034% | 1,257 |
| Total domestic deposits to total assets | 86.5233% | 2,969 |
| Equity capital to assets | 11.4172% | 2,830 |
| Core capital (leverage) ratio | 11.2761% | 2,158 |
| Tier 1 risk-based capital ratio | 14.6314% | 4,096 |
| Total risk-based capital ratio | 15.8828% | 4,060 |
| Memoranda: | ||
| Average total assets | $173,329,250 | 3,436 |
| Average earning assets | $162,670,000 | 3,379 |
| Average equity | $20,419,250 | 3,184 |
| Average total loans | $150,495,500 | 2,598 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2286% | 1,186 |
| Cost of funding earning assets | 0.3648% | 6,450 |
| Net interest margin | 4.8638% | 502 |
| Noninterest income to average assets | 0.7806% | 2,287 |
| Noninterest expense to average assets | 4.9622% | 391 |
| Loan and lease loss provision to assets | 0.2100% | 2,981 |
| Net operating income to assets | 0.1388% | 6,068 |
| Return on assets (ROA) | 0.1388% | 6,233 |
| Pretax return on assets | 0.1668% | 6,199 |
| Return on Equity (ROE) | 1.1661% | 6,269 |
| Retained earnings to average equity (ytd only) | -1.5678% | 6,301 |
| Net charge-offs to loans | 0.2674% | 2,979 |
| Credit loss provision to net charge-offs | 89.5522% | 3,062 |
| Earnings coverage of net charge-offs (x) | 1.6070% | 4,188 |
| Efficiency ratio | 92.9414% | 870 |
| Assets per employee ($millions) | 2.5230% | 6,743 |
| Cash dividends to net income (ytd only)* | 234.4538% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 5,324 |
| Loan loss allowance to noncurrent loans | 32.0528% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 3.4030% | 1,578 |
| Noncurrent loans to loans | 3.7668% | 1,496 |
| Net loans and leases to total assets | 85.4344% | 160 |
| Net loans and leases to deposits | 98.5609% | 494 |
| Net loans and leases to core deposits | 100.5397% | 1,060 |
| Total domestic deposits to total assets | 86.6818% | 2,964 |
| Equity capital to assets | 11.5091% | 2,588 |
| Core capital (leverage) ratio | 11.3652% | 1,995 |
| Tier 1 risk-based capital ratio | 14.7015% | 3,965 |
| Total risk-based capital ratio | 15.9525% | 3,924 |
| Memoranda: | ||
| Average total assets | $171,415,000 | 3,479 |
| Average earning assets | $160,656,330 | 3,411 |
| Average equity | $20,410,670 | 3,176 |
| Average total loans | $150,351,330 | 2,612 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3322% | 1,039 |
| Cost of funding earning assets | 0.3737% | 6,533 |
| Net interest margin | 4.9586% | 426 |
| Noninterest income to average assets | 0.9288% | 1,631 |
| Noninterest expense to average assets | 4.6346% | 486 |
| Loan and lease loss provision to assets | 0.2132% | 2,819 |
| Net operating income to assets | 0.4668% | 4,973 |
| Return on assets (ROA) | 0.4668% | 5,166 |
| Pretax return on assets | 0.7345% | 4,674 |
| Return on Equity (ROE) | 3.8527% | 5,354 |
| Retained earnings to average equity (ytd only) | -0.4303% | 6,070 |
| Net charge-offs to loans | 0.0965% | 3,562 |
| Credit loss provision to net charge-offs | 250.0000% | 1,138 |
| Earnings coverage of net charge-offs (x) | 11.1111% | 1,696 |
| Efficiency ratio | 83.0221% | 1,797 |
| Assets per employee ($millions) | 2.6813% | 6,656 |
| Cash dividends to net income (ytd only)* | 111.1675% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 5,098 |
| Loan loss allowance to noncurrent loans | 73.6095% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 2.0217% | 2,865 |
| Noncurrent loans to loans | 1.7426% | 3,498 |
| Net loans and leases to total assets | 88.8362% | 58 |
| Net loans and leases to deposits | 104.2399% | 246 |
| Net loans and leases to core deposits | 106.4735% | 658 |
| Total domestic deposits to total assets | 85.2228% | 3,922 |
| Equity capital to assets | 12.2995% | 1,853 |
| Core capital (leverage) ratio | 12.1540% | 1,502 |
| Tier 1 risk-based capital ratio | 15.2996% | 3,559 |
| Total risk-based capital ratio | 16.5521% | 3,511 |
| Memoranda: | ||
| Average total assets | $168,818,500 | 3,537 |
| Average earning assets | $158,433,000 | 3,464 |
| Average equity | $20,453,000 | 3,168 |
| Average total loans | $149,163,000 | 2,648 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3816% | 1,461 |
| Cost of funding earning assets | 0.4281% | 6,808 |
| Net interest margin | 4.9535% | 454 |
| Noninterest income to average assets | 0.8582% | 1,810 |
| Noninterest expense to average assets | 4.6183% | 518 |
| Loan and lease loss provision to assets | 0.2167% | 4,023 |
| Net operating income to assets | 0.6554% | 3,720 |
| Return on assets (ROA) | 0.6554% | 3,910 |
| Pretax return on assets | 0.6554% | 4,498 |
| Return on Equity (ROE) | 5.6463% | 4,057 |
| Retained earnings to average equity (ytd only) | 3.8543% | 3,469 |
| Net charge-offs to loans | -0.1494% | 7,184 |
| Credit loss provision to net charge-offs | -170.3196% | 6,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1147% | 1,752 |
| Assets per employee ($millions) | 2.9050% | 6,277 |
| Cash dividends to net income (ytd only)* | 31.7376% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 5,143 |
| Loan loss allowance to noncurrent loans | 70.5104% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 2.0567% | 2,894 |
| Noncurrent loans to loans | 1.7785% | 3,496 |
| Net loans and leases to total assets | 85.6844% | 140 |
| Net loans and leases to deposits | 99.6546% | 478 |
| Net loans and leases to core deposits | 102.5108% | 994 |
| Total domestic deposits to total assets | 85.9814% | 3,334 |
| Equity capital to assets | 11.9368% | 2,176 |
| Core capital (leverage) ratio | 11.8082% | 1,703 |
| Tier 1 risk-based capital ratio | 15.4596% | 3,356 |
| Total risk-based capital ratio | 16.7096% | 3,312 |
| Memoranda: | ||
| Average total assets | $172,096,200 | 3,454 |
| Average earning assets | $160,937,600 | 3,385 |
| Average equity | $19,977,600 | 3,152 |
| Average total loans | $146,607,800 | 2,687 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3945% | 1,526 |
| Cost of funding earning assets | 0.4411% | 6,908 |
| Net interest margin | 4.9535% | 457 |
| Noninterest income to average assets | 0.9992% | 1,344 |
| Noninterest expense to average assets | 4.7180% | 475 |
| Loan and lease loss provision to assets | 0.2422% | 3,583 |
| Net operating income to assets | 0.6633% | 3,803 |
| Return on assets (ROA) | 0.6633% | 3,977 |
| Pretax return on assets | 0.6633% | 4,600 |
| Return on Equity (ROE) | 5.7543% | 4,140 |
| Retained earnings to average equity (ytd only) | 4.1562% | 3,771 |
| Net charge-offs to loans | -0.4144% | 7,332 |
| Credit loss provision to net charge-offs | -68.9427% | 6,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8976% | 1,739 |
| Assets per employee ($millions) | 2.8861% | 6,338 |
| Cash dividends to net income (ytd only)* | 27.7717% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 4,579 |
| Loan loss allowance to noncurrent loans | 111.9035% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 1.5689% | 3,738 |
| Noncurrent loans to loans | 1.2480% | 4,456 |
| Net loans and leases to total assets | 81.8160% | 372 |
| Net loans and leases to deposits | 94.7250% | 780 |
| Net loans and leases to core deposits | 97.3795% | 1,485 |
| Total domestic deposits to total assets | 86.3721% | 2,999 |
| Equity capital to assets | 11.5325% | 2,649 |
| Core capital (leverage) ratio | 11.4631% | 2,052 |
| Tier 1 risk-based capital ratio | 15.5457% | 3,361 |
| Total risk-based capital ratio | 16.7954% | 3,323 |
| Memoranda: | ||
| Average total assets | $172,271,750 | 3,479 |
| Average earning assets | $160,825,000 | 3,410 |
| Average equity | $19,857,250 | 3,171 |
| Average total loans | $146,079,000 | 2,715 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4289% | 1,479 |
| Cost of funding earning assets | 0.4617% | 6,976 |
| Net interest margin | 4.9671% | 417 |
| Noninterest income to average assets | 0.9929% | 1,341 |
| Noninterest expense to average assets | 4.7634% | 451 |
| Loan and lease loss provision to assets | 0.2959% | 3,037 |
| Net operating income to assets | 0.5637% | 4,246 |
| Return on assets (ROA) | 0.5637% | 4,371 |
| Pretax return on assets | 0.5637% | 4,870 |
| Return on Equity (ROE) | 4.8912% | 4,504 |
| Retained earnings to average equity (ytd only) | 2.4761% | 4,709 |
| Net charge-offs to loans | 0.1629% | 4,195 |
| Credit loss provision to net charge-offs | 212.6050% | 1,416 |
| Earnings coverage of net charge-offs (x) | 6.1765% | 2,449 |
| Efficiency ratio | 84.7130% | 1,737 |
| Assets per employee ($millions) | 2.6100% | 6,775 |
| Cash dividends to net income (ytd only)* | 49.3776% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 6,500 |
| Loan loss allowance to noncurrent loans | 300.6410% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.9224% | 5,022 |
| Noncurrent loans to loans | 0.3171% | 6,278 |
| Net loans and leases to total assets | 84.8677% | 182 |
| Net loans and leases to deposits | 98.4352% | 571 |
| Net loans and leases to core deposits | 101.5808% | 1,206 |
| Total domestic deposits to total assets | 86.2168% | 3,206 |
| Equity capital to assets | 11.5459% | 2,462 |
| Core capital (leverage) ratio | 11.4929% | 1,912 |
| Tier 1 risk-based capital ratio | 14.9998% | 3,494 |
| Total risk-based capital ratio | 16.0665% | 3,572 |
| Memoranda: | ||
| Average total assets | $171,012,330 | 3,512 |
| Average earning assets | $159,407,330 | 3,458 |
| Average equity | $19,708,670 | 3,168 |
| Average total loans | $146,079,670 | 2,743 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4305% | 1,477 |
| Cost of funding earning assets | 0.5083% | 6,945 |
| Net interest margin | 4.9222% | 438 |
| Noninterest income to average assets | 0.9109% | 1,628 |
| Noninterest expense to average assets | 4.9393% | 385 |
| Loan and lease loss provision to assets | 0.1409% | 4,246 |
| Net operating income to assets | 0.4226% | 4,842 |
| Return on assets (ROA) | 0.4226% | 4,932 |
| Pretax return on assets | 0.4226% | 5,271 |
| Return on Equity (ROE) | 3.6700% | 5,056 |
| Retained earnings to average equity (ytd only) | 0.0204% | 5,782 |
| Net charge-offs to loans | -0.6248% | 7,438 |
| Credit loss provision to net charge-offs | -26.4317% | 5,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7611% | 1,356 |
| Assets per employee ($millions) | 2.6494% | 6,771 |
| Cash dividends to net income (ytd only)* | 99.4444% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 6,224 |
| Loan loss allowance to noncurrent loans | 331.2102% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.9843% | 4,938 |
| Noncurrent loans to loans | 0.3170% | 6,355 |
| Net loans and leases to total assets | 88.0836% | 76 |
| Net loans and leases to deposits | 102.9508% | 347 |
| Net loans and leases to core deposits | 106.2121% | 927 |
| Total domestic deposits to total assets | 85.5589% | 3,750 |
| Equity capital to assets | 11.7480% | 2,076 |
| Core capital (leverage) ratio | 11.7110% | 1,733 |
| Tier 1 risk-based capital ratio | 14.8456% | 3,510 |
| Total risk-based capital ratio | 16.0308% | 3,522 |
| Memoranda: | ||
| Average total assets | $170,388,000 | 3,551 |
| Average earning assets | $158,954,500 | 3,486 |
| Average equity | $19,618,500 | 3,169 |
| Average total loans | $145,319,000 | 2,784 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0923% | 710 |
| Cost of funding earning assets | 0.6997% | 6,890 |
| Net interest margin | 5.3926% | 202 |
| Noninterest income to average assets | 0.8919% | 1,880 |
| Noninterest expense to average assets | 4.7656% | 518 |
| Loan and lease loss provision to assets | 0.5094% | 3,119 |
| Net operating income to assets | 0.5961% | 3,688 |
| Return on assets (ROA) | 0.5961% | 3,852 |
| Pretax return on assets | 0.4516% | 4,787 |
| Return on Equity (ROE) | 5.7968% | 3,701 |
| Retained earnings to average equity (ytd only) | 5.7968% | 1,939 |
| Net charge-offs to loans | 0.5853% | 3,282 |
| Credit loss provision to net charge-offs | 100.2230% | 4,546 |
| Earnings coverage of net charge-offs (x) | 1.8907% | 4,305 |
| Efficiency ratio | 83.2179% | 2,030 |
| Assets per employee ($millions) | 2.8977% | 6,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 6,736 |
| Loan loss allowance to noncurrent loans | 314.3210% | 989 |
| Noncurrent assets plus other real estate owned to assets | 1.2533% | 4,520 |
| Noncurrent loans to loans | 0.2851% | 6,485 |
| Net loans and leases to total assets | 80.9729% | 544 |
| Net loans and leases to deposits | 95.0774% | 944 |
| Net loans and leases to core deposits | 98.0704% | 1,793 |
| Total domestic deposits to total assets | 85.1653% | 3,771 |
| Equity capital to assets | 11.2893% | 2,419 |
| Core capital (leverage) ratio | 11.2419% | 1,984 |
| Tier 1 risk-based capital ratio | 15.2919% | 3,102 |
| Total risk-based capital ratio | 16.2884% | 3,181 |
| Memoranda: | ||
| Average total assets | $176,473,800 | 3,428 |
| Average earning assets | $158,217,200 | 3,480 |
| Average equity | $18,147,800 | 3,404 |
| Average total loans | $153,250,600 | 2,718 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1375% | 704 |
| Cost of funding earning assets | 0.7433% | 6,935 |
| Net interest margin | 5.3941% | 211 |
| Noninterest income to average assets | 0.9469% | 1,626 |
| Noninterest expense to average assets | 4.7490% | 468 |
| Loan and lease loss provision to assets | 0.7618% | 2,008 |
| Net operating income to assets | 0.2266% | 5,432 |
| Return on assets (ROA) | 0.2266% | 5,587 |
| Pretax return on assets | 0.2266% | 5,670 |
| Return on Equity (ROE) | 2.2574% | 5,510 |
| Retained earnings to average equity (ytd only) | 2.2574% | 4,812 |
| Net charge-offs to loans | 0.7792% | 2,485 |
| Credit loss provision to net charge-offs | 110.9649% | 3,812 |
| Earnings coverage of net charge-offs (x) | 1.4397% | 4,646 |
| Efficiency ratio | 82.7736% | 1,974 |
| Assets per employee ($millions) | 2.9005% | 6,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 6,749 |
| Loan loss allowance to noncurrent loans | 114.2619% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 2.1895% | 3,220 |
| Noncurrent loans to loans | 0.7869% | 5,639 |
| Net loans and leases to total assets | 85.3408% | 244 |
| Net loans and leases to deposits | 99.2794% | 700 |
| Net loans and leases to core deposits | 102.7519% | 1,583 |
| Total domestic deposits to total assets | 85.9602% | 3,095 |
| Equity capital to assets | 10.6464% | 3,352 |
| Core capital (leverage) ratio | 10.6166% | 2,585 |
| Tier 1 risk-based capital ratio | 13.8526% | 3,950 |
| Total risk-based capital ratio | 14.8632% | 4,060 |
| Memoranda: | ||
| Average total assets | $177,126,500 | 3,461 |
| Average earning assets | $157,303,000 | 3,544 |
| Average equity | $17,777,750 | 3,511 |
| Average total loans | $156,049,500 | 2,709 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1016% | 751 |
| Cost of funding earning assets | 0.7731% | 6,996 |
| Net interest margin | 5.3285% | 236 |
| Noninterest income to average assets | 1.0475% | 1,227 |
| Noninterest expense to average assets | 4.7813% | 443 |
| Loan and lease loss provision to assets | 1.1445% | 1,257 |
| Net operating income to assets | -0.1095% | 6,245 |
| Return on assets (ROA) | -0.1095% | 6,318 |
| Pretax return on assets | -0.1095% | 6,258 |
| Return on Equity (ROE) | -1.1134% | 6,332 |
| Retained earnings to average equity (ytd only) | -1.1134% | 5,994 |
| Net charge-offs to loans | 1.0707% | 1,756 |
| Credit loss provision to net charge-offs | 120.4276% | 3,369 |
| Earnings coverage of net charge-offs (x) | 1.0891% | 4,705 |
| Efficiency ratio | 82.2045% | 2,135 |
| Assets per employee ($millions) | 2.7286% | 6,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 6,707 |
| Loan loss allowance to noncurrent loans | 96.1359% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 2.4730% | 2,907 |
| Noncurrent loans to loans | 0.9514% | 5,403 |
| Net loans and leases to total assets | 88.1431% | 124 |
| Net loans and leases to deposits | 104.8401% | 446 |
| Net loans and leases to core deposits | 107.7048% | 1,323 |
| Total domestic deposits to total assets | 84.0738% | 4,079 |
| Equity capital to assets | 9.9433% | 4,090 |
| Core capital (leverage) ratio | 9.9123% | 3,268 |
| Tier 1 risk-based capital ratio | 12.2723% | 5,058 |
| Total risk-based capital ratio | 13.2800% | 5,246 |
| Memoranda: | ||
| Average total assets | $177,191,000 | 3,480 |
| Average earning assets | $158,581,330 | 3,540 |
| Average equity | $17,424,670 | 3,564 |
| Average total loans | $157,277,330 | 2,733 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0839% | 807 |
| Cost of funding earning assets | 0.8103% | 7,058 |
| Net interest margin | 5.2736% | 252 |
| Noninterest income to average assets | 0.9508% | 1,450 |
| Noninterest expense to average assets | 4.8422% | 415 |
| Loan and lease loss provision to assets | 1.6284% | 707 |
| Net operating income to assets | -0.8018% | 7,004 |
| Return on assets (ROA) | -0.8018% | 7,028 |
| Pretax return on assets | -0.8018% | 6,947 |
| Return on Equity (ROE) | -8.1989% | 7,064 |
| Retained earnings to average equity (ytd only) | -8.1989% | 6,845 |
| Net charge-offs to loans | 1.7220% | 1,008 |
| Credit loss provision to net charge-offs | 106.6568% | 3,225 |
| Earnings coverage of net charge-offs (x) | 0.5414% | 4,552 |
| Efficiency ratio | 85.4183% | 1,861 |
| Assets per employee ($millions) | 2.8004% | 6,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8406% | 7,026 |
| Loan loss allowance to noncurrent loans | 67.9236% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 2.7048% | 2,691 |
| Noncurrent loans to loans | 1.2375% | 4,902 |
| Net loans and leases to total assets | 87.9286% | 127 |
| Net loans and leases to deposits | 106.6905% | 396 |
| Net loans and leases to core deposits | 110.8373% | 1,228 |
| Total domestic deposits to total assets | 82.4147% | 4,887 |
| Equity capital to assets | 9.8398% | 4,065 |
| Core capital (leverage) ratio | 9.8143% | 3,384 |
| Tier 1 risk-based capital ratio | 12.0700% | 5,124 |
| Total risk-based capital ratio | 12.9869% | 5,405 |
| Memoranda: | ||
| Average total assets | $177,108,500 | 3,542 |
| Average earning assets | $158,451,000 | 3,598 |
| Average equity | $17,319,500 | 3,599 |
| Average total loans | $157,031,000 | 2,792 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1387% | 1,408 |
| Cost of funding earning assets | 1.1171% | 6,921 |
| Net interest margin | 5.0216% | 428 |
| Noninterest income to average assets | 0.6244% | 3,463 |
| Noninterest expense to average assets | 4.8003% | 609 |
| Loan and lease loss provision to assets | 1.6035% | 1,428 |
| Net operating income to assets | -1.2364% | 6,727 |
| Return on assets (ROA) | -1.1113% | 6,657 |
| Pretax return on assets | -1.1015% | 6,475 |
| Return on Equity (ROE) | -11.6164% | 6,744 |
| Retained earnings to average equity (ytd only) | -11.6164% | 6,652 |
| Net charge-offs to loans | 2.0375% | 1,205 |
| Credit loss provision to net charge-offs | 88.0526% | 6,066 |
| Earnings coverage of net charge-offs (x) | 0.2070% | 5,930 |
| Efficiency ratio | 92.7191% | 1,510 |
| Assets per employee ($millions) | 2.7780% | 6,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8064% | 7,110 |
| Loan loss allowance to noncurrent loans | 51.6457% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 2.8342% | 2,474 |
| Noncurrent loans to loans | 1.5614% | 4,311 |
| Net loans and leases to total assets | 87.9386% | 176 |
| Net loans and leases to deposits | 104.2856% | 635 |
| Net loans and leases to core deposits | 114.8243% | 2,432 |
| Total domestic deposits to total assets | 84.3249% | 3,876 |
| Equity capital to assets | 9.7187% | 4,124 |
| Core capital (leverage) ratio | 9.6974% | 3,454 |
| Tier 1 risk-based capital ratio | 11.9592% | 4,976 |
| Total risk-based capital ratio | 12.8410% | 5,263 |
| Memoranda: | ||
| Average total assets | $183,844,400 | 3,367 |
| Average earning assets | $166,679,200 | 3,398 |
| Average equity | $17,587,200 | 3,568 |
| Average total loans | $164,322,600 | 2,695 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1385% | 1,530 |
| Cost of funding earning assets | 1.1888% | 6,921 |
| Net interest margin | 4.9497% | 496 |
| Noninterest income to average assets | 0.8718% | 2,095 |
| Noninterest expense to average assets | 4.8273% | 554 |
| Loan and lease loss provision to assets | 1.8738% | 981 |
| Net operating income to assets | -0.7871% | 6,680 |
| Return on assets (ROA) | -0.6812% | 6,598 |
| Pretax return on assets | -1.1624% | 6,796 |
| Return on Equity (ROE) | -7.1480% | 6,676 |
| Retained earnings to average equity (ytd only) | -7.1480% | 6,523 |
| Net charge-offs to loans | 2.5710% | 711 |
| Credit loss provision to net charge-offs | 81.3808% | 5,725 |
| Earnings coverage of net charge-offs (x) | 0.2371% | 5,779 |
| Efficiency ratio | 89.8394% | 1,702 |
| Assets per employee ($millions) | 2.8116% | 6,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6769% | 7,423 |
| Loan loss allowance to noncurrent loans | 40.2320% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 2.9398% | 2,352 |
| Noncurrent loans to loans | 1.6824% | 4,126 |
| Net loans and leases to total assets | 87.6639% | 223 |
| Net loans and leases to deposits | 102.0237% | 918 |
| Net loans and leases to core deposits | 112.1862% | 3,005 |
| Total domestic deposits to total assets | 85.9250% | 2,731 |
| Equity capital to assets | 9.6469% | 4,557 |
| Core capital (leverage) ratio | 9.6279% | 3,743 |
| Tier 1 risk-based capital ratio | 11.7930% | 5,157 |
| Total risk-based capital ratio | 12.5249% | 5,608 |
| Memoranda: | ||
| Average total assets | $185,357,750 | 3,380 |
| Average earning assets | $168,571,750 | 3,396 |
| Average equity | $17,664,250 | 3,583 |
| Average total loans | $165,998,750 | 2,700 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1977% | 1,463 |
| Cost of funding earning assets | 1.2580% | 6,933 |
| Net interest margin | 4.9397% | 493 |
| Noninterest income to average assets | 0.8420% | 2,207 |
| Noninterest expense to average assets | 4.7306% | 627 |
| Loan and lease loss provision to assets | 0.1603% | 5,460 |
| Net operating income to assets | 0.3080% | 4,859 |
| Return on assets (ROA) | 0.4702% | 4,329 |
| Pretax return on assets | 0.7160% | 3,947 |
| Return on Equity (ROE) | 4.9533% | 4,099 |
| Retained earnings to average equity (ytd only) | 4.9533% | 2,539 |
| Net charge-offs to loans | 0.6782% | 2,344 |
| Credit loss provision to net charge-offs | 26.2697% | 6,067 |
| Earnings coverage of net charge-offs (x) | 1.0333% | 4,756 |
| Efficiency ratio | 88.2400% | 1,988 |
| Assets per employee ($millions) | 2.7471% | 6,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7493% | 7,302 |
| Loan loss allowance to noncurrent loans | 20.6373% | 7,087 |
| Noncurrent assets plus other real estate owned to assets | 3.2425% | 1,929 |
| Noncurrent loans to loans | 3.6306% | 1,916 |
| Net loans and leases to total assets | 88.6388% | 208 |
| Net loans and leases to deposits | 105.6797% | 782 |
| Net loans and leases to core deposits | 115.7425% | 2,731 |
| Total domestic deposits to total assets | 83.8750% | 3,833 |
| Equity capital to assets | 10.0250% | 3,906 |
| Core capital (leverage) ratio | 10.0134% | 3,284 |
| Tier 1 risk-based capital ratio | 12.5534% | 4,482 |
| Total risk-based capital ratio | 13.3924% | 4,716 |
| Memoranda: | ||
| Average total assets | $187,162,670 | 3,373 |
| Average earning assets | $171,225,330 | 3,373 |
| Average equity | $17,766,000 | 3,580 |
| Average total loans | $168,391,670 | 2,701 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2741% | 1,374 |
| Cost of funding earning assets | 1.2878% | 7,055 |
| Net interest margin | 4.9863% | 413 |
| Noninterest income to average assets | 0.5872% | 3,644 |
| Noninterest expense to average assets | 4.7528% | 573 |
| Loan and lease loss provision to assets | 0.1281% | 5,317 |
| Net operating income to assets | 0.1725% | 5,745 |
| Return on assets (ROA) | 0.4868% | 4,672 |
| Pretax return on assets | 0.7772% | 4,161 |
| Return on Equity (ROE) | 5.2761% | 4,344 |
| Retained earnings to average equity (ytd only) | 5.2761% | 2,974 |
| Net charge-offs to loans | 0.1348% | 3,882 |
| Credit loss provision to net charge-offs | 105.2632% | 3,601 |
| Earnings coverage of net charge-offs (x) | 3.4035% | 3,189 |
| Efficiency ratio | 91.9835% | 1,570 |
| Assets per employee ($millions) | 2.7094% | 6,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 6,204 |
| Loan loss allowance to noncurrent loans | 32.3291% | 6,387 |
| Noncurrent assets plus other real estate owned to assets | 2.9473% | 1,921 |
| Noncurrent loans to loans | 3.0853% | 2,097 |
| Net loans and leases to total assets | 90.1843% | 129 |
| Net loans and leases to deposits | 116.6478% | 368 |
| Net loans and leases to core deposits | 127.0372% | 1,846 |
| Total domestic deposits to total assets | 77.3133% | 6,204 |
| Equity capital to assets | 10.0480% | 3,948 |
| Core capital (leverage) ratio | 10.0353% | 3,371 |
| Tier 1 risk-based capital ratio | 12.2294% | 4,769 |
| Total risk-based capital ratio | 13.3369% | 4,783 |
| Memoranda: | ||
| Average total assets | $187,342,500 | 3,393 |
| Average earning assets | $172,071,500 | 3,386 |
| Average equity | $17,285,500 | 3,679 |
| Average total loans | $169,172,500 | 2,712 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8460% | 1,539 |
| Cost of funding earning assets | 1.8698% | 6,826 |
| Net interest margin | 4.9762% | 541 |
| Noninterest income to average assets | 0.6297% | 3,637 |
| Noninterest expense to average assets | 4.5704% | 833 |
| Loan and lease loss provision to assets | 2.6027% | 390 |
| Net operating income to assets | -1.2076% | 7,350 |
| Return on assets (ROA) | -1.1245% | 7,245 |
| Pretax return on assets | -1.8509% | 7,392 |
| Return on Equity (ROE) | -12.3730% | 7,451 |
| Retained earnings to average equity (ytd only) | -13.5107% | 7,372 |
| Net charge-offs to loans | 2.6709% | 354 |
| Credit loss provision to net charge-offs | 109.6732% | 4,910 |
| Earnings coverage of net charge-offs (x) | 0.2621% | 6,071 |
| Efficiency ratio | 87.9817% | 1,680 |
| Assets per employee ($millions) | 2.6451% | 6,900 |
| Cash dividends to net income (ytd only)* | -9.1954% | 7,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9799% | 6,212 |
| Loan loss allowance to noncurrent loans | 30.4983% | 6,682 |
| Noncurrent assets plus other real estate owned to assets | 3.0092% | 1,526 |
| Noncurrent loans to loans | 3.2131% | 1,633 |
| Net loans and leases to total assets | 88.6579% | 308 |
| Net loans and leases to deposits | 103.5490% | 1,392 |
| Net loans and leases to core deposits | 123.4350% | 2,367 |
| Total domestic deposits to total assets | 85.6192% | 2,576 |
| Equity capital to assets | 8.4322% | 6,201 |
| Core capital (leverage) ratio | 8.4293% | 5,698 |
| Tier 1 risk-based capital ratio | 10.4911% | 6,217 |
| Total risk-based capital ratio | 11.5831% | 6,260 |
| Memoranda: | ||
| Average total assets | $193,416,800 | 3,216 |
| Average earning assets | $177,343,200 | 3,222 |
| Average equity | $17,578,600 | 3,633 |
| Average total loans | $171,853,400 | 2,586 |