Home > Aliant Bank > Performance and Condition Ratios
Aliant Bank, Performance and Condition Ratios
| 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 | 4.9769% | 3,203 |
| Cost of funding earning assets | 0.8999% | 4,397 |
| Net interest margin | 4.0770% | 2,567 |
| Noninterest income to average assets | 0.6387% | 2,946 |
| Noninterest expense to average assets | 3.1973% | 2,841 |
| Loan and lease loss provision to assets | 1.6804% | 371 |
| Net operating income to assets | -0.3102% | 6,508 |
| Return on assets (ROA) | -0.2244% | 6,488 |
| Pretax return on assets | -0.4629% | 6,597 |
| Return on Equity (ROE) | -2.1357% | 6,492 |
| Retained earnings to average equity (ytd only) | -2.1357% | 6,313 |
| Net charge-offs to loans | 2.6542% | 399 |
| Credit loss provision to net charge-offs | 88.1020% | 3,846 |
| Earnings coverage of net charge-offs (x) | 0.5681% | 5,200 |
| Efficiency ratio | 74.6901% | 3,049 |
| Assets per employee ($millions) | 3.5308% | 4,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9831% | 872 |
| Loan loss allowance to noncurrent loans | 64.8281% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 5.3344% | 1,060 |
| Noncurrent loans to loans | 4.6015% | 1,403 |
| Net loans and leases to total assets | 71.6669% | 1,782 |
| Net loans and leases to deposits | 89.5735% | 1,262 |
| Net loans and leases to core deposits | 98.9724% | 1,338 |
| Total domestic deposits to total assets | 80.0091% | 5,732 |
| Equity capital to assets | 10.7844% | 3,383 |
| Core capital (leverage) ratio | 8.2937% | 5,984 |
| Tier 1 risk-based capital ratio | 11.2409% | 6,406 |
| Total risk-based capital ratio | 12.5198% | 6,370 |
| Memoranda: | ||
| Average total assets | $934,755,750 | 707 |
| Average earning assets | $835,033,250 | 715 |
| Average equity | $98,199,500 | 702 |
| Average total loans | $671,724,000 | 617 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9035% | 3,602 |
| Cost of funding earning assets | 0.8993% | 4,677 |
| Net interest margin | 4.0043% | 2,815 |
| Noninterest income to average assets | 0.5403% | 3,556 |
| Noninterest expense to average assets | 3.2598% | 2,707 |
| Loan and lease loss provision to assets | 2.1759% | 266 |
| Net operating income to assets | -0.7651% | 6,849 |
| Return on assets (ROA) | -0.7218% | 6,841 |
| Pretax return on assets | -1.2476% | 6,981 |
| Return on Equity (ROE) | -6.9318% | 6,823 |
| Retained earnings to average equity (ytd only) | -6.9318% | 6,716 |
| Net charge-offs to loans | 3.6079% | 244 |
| Credit loss provision to net charge-offs | 84.7074% | 3,629 |
| Earnings coverage of net charge-offs (x) | 0.3350% | 5,064 |
| Efficiency ratio | 79.1140% | 2,536 |
| Assets per employee ($millions) | 3.6476% | 4,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9574% | 929 |
| Loan loss allowance to noncurrent loans | 53.6337% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 5.8223% | 976 |
| Noncurrent loans to loans | 5.5141% | 1,146 |
| Net loans and leases to total assets | 70.2103% | 2,178 |
| Net loans and leases to deposits | 87.0835% | 1,636 |
| Net loans and leases to core deposits | 96.7548% | 1,609 |
| Total domestic deposits to total assets | 80.6241% | 5,642 |
| Equity capital to assets | 10.2433% | 3,826 |
| Core capital (leverage) ratio | 7.8809% | 6,431 |
| Tier 1 risk-based capital ratio | 10.8712% | 6,620 |
| Total risk-based capital ratio | 12.1477% | 6,568 |
| Memoranda: | ||
| Average total assets | $936,805,000 | 715 |
| Average earning assets | $837,557,330 | 720 |
| Average equity | $97,551,000 | 702 |
| Average total loans | $666,976,000 | 637 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7735% | 4,186 |
| Cost of funding earning assets | 0.9052% | 4,877 |
| Net interest margin | 3.8683% | 3,306 |
| Noninterest income to average assets | 0.3383% | 5,200 |
| Noninterest expense to average assets | 3.2233% | 2,804 |
| Loan and lease loss provision to assets | 1.4776% | 440 |
| Net operating income to assets | -0.4972% | 6,804 |
| Return on assets (ROA) | -0.4893% | 6,806 |
| Pretax return on assets | -0.8923% | 6,959 |
| Return on Equity (ROE) | -4.6599% | 6,788 |
| Retained earnings to average equity (ytd only) | -4.6599% | 6,486 |
| Net charge-offs to loans | 6.2632% | 103 |
| Credit loss provision to net charge-offs | 33.4109% | 4,062 |
| Earnings coverage of net charge-offs (x) | 0.1295% | 4,502 |
| Efficiency ratio | 84.9091% | 1,853 |
| Assets per employee ($millions) | 3.7681% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2563% | 1,847 |
| Loan loss allowance to noncurrent loans | 47.2615% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 5.2802% | 1,172 |
| Noncurrent loans to loans | 4.7742% | 1,437 |
| Net loans and leases to total assets | 68.4689% | 2,458 |
| Net loans and leases to deposits | 87.1658% | 1,570 |
| Net loans and leases to core deposits | 99.7051% | 1,366 |
| Total domestic deposits to total assets | 78.5502% | 6,285 |
| Equity capital to assets | 10.1301% | 3,614 |
| Core capital (leverage) ratio | 8.4382% | 5,563 |
| Tier 1 risk-based capital ratio | 11.3832% | 6,188 |
| Total risk-based capital ratio | 12.6497% | 6,167 |
| Memoranda: | ||
| Average total assets | $932,845,000 | 723 |
| Average earning assets | $833,857,000 | 725 |
| Average equity | $97,941,000 | 694 |
| Average total loans | $658,710,000 | 651 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5356% | 6,298 |
| Cost of funding earning assets | 1.1141% | 5,057 |
| Net interest margin | 3.4215% | 5,544 |
| Noninterest income to average assets | 0.5877% | 3,552 |
| Noninterest expense to average assets | 3.1823% | 3,154 |
| Loan and lease loss provision to assets | 2.0210% | 649 |
| Net operating income to assets | -0.8839% | 6,623 |
| Return on assets (ROA) | -0.6657% | 6,531 |
| Pretax return on assets | -1.1798% | 6,731 |
| Return on Equity (ROE) | -6.3707% | 6,518 |
| Retained earnings to average equity (ytd only) | -6.3707% | 6,417 |
| Net charge-offs to loans | 3.7445% | 360 |
| Credit loss provision to net charge-offs | 81.4547% | 5,503 |
| Earnings coverage of net charge-offs (x) | 0.2016% | 5,906 |
| Efficiency ratio | 86.4072% | 1,650 |
| Assets per employee ($millions) | 3.5483% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4227% | 621 |
| Loan loss allowance to noncurrent loans | 70.3073% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 5.7457% | 1,058 |
| Noncurrent loans to loans | 4.8682% | 1,414 |
| Net loans and leases to total assets | 68.7741% | 2,793 |
| Net loans and leases to deposits | 86.5228% | 2,003 |
| Net loans and leases to core deposits | 94.9436% | 2,135 |
| Total domestic deposits to total assets | 79.4866% | 5,972 |
| Equity capital to assets | 10.8911% | 2,786 |
| Core capital (leverage) ratio | 8.7023% | 5,015 |
| Tier 1 risk-based capital ratio | 12.1070% | 5,379 |
| Total risk-based capital ratio | 13.3880% | 5,328 |
| Memoranda: | ||
| Average total assets | $976,891,800 | 676 |
| Average earning assets | $883,658,000 | 683 |
| Average equity | $102,076,600 | 662 |
| Average total loans | $647,301,600 | 679 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4543% | 6,715 |
| Cost of funding earning assets | 1.1732% | 5,019 |
| Net interest margin | 3.2810% | 6,078 |
| Noninterest income to average assets | 0.4732% | 4,390 |
| Noninterest expense to average assets | 3.0493% | 3,575 |
| Loan and lease loss provision to assets | 1.6588% | 773 |
| Net operating income to assets | -0.6703% | 6,714 |
| Return on assets (ROA) | -0.5351% | 6,669 |
| Pretax return on assets | -1.0472% | 6,882 |
| Return on Equity (ROE) | -5.1709% | 6,661 |
| Retained earnings to average equity (ytd only) | -5.1709% | 6,568 |
| Net charge-offs to loans | 4.1305% | 288 |
| Credit loss provision to net charge-offs | 61.6557% | 5,646 |
| Earnings coverage of net charge-offs (x) | 0.1488% | 5,875 |
| Efficiency ratio | 88.3809% | 1,424 |
| Assets per employee ($millions) | 3.7282% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0411% | 792 |
| Loan loss allowance to noncurrent loans | 52.8084% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 5.4876% | 1,126 |
| Noncurrent loans to loans | 5.7588% | 1,124 |
| Net loans and leases to total assets | 63.2190% | 4,273 |
| Net loans and leases to deposits | 79.3576% | 3,566 |
| Net loans and leases to core deposits | 87.7563% | 3,404 |
| Total domestic deposits to total assets | 79.6634% | 5,818 |
| Equity capital to assets | 11.0195% | 2,941 |
| Core capital (leverage) ratio | 8.5874% | 5,367 |
| Tier 1 risk-based capital ratio | 13.1337% | 4,469 |
| Total risk-based capital ratio | 14.4117% | 4,431 |
| Memoranda: | ||
| Average total assets | $994,907,750 | 662 |
| Average earning assets | $902,575,250 | 662 |
| Average equity | $102,959,250 | 646 |
| Average total loans | $648,041,750 | 679 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4055% | 6,890 |
| Cost of funding earning assets | 1.2389% | 4,901 |
| Net interest margin | 3.1666% | 6,416 |
| Noninterest income to average assets | 0.6664% | 2,920 |
| Noninterest expense to average assets | 3.1324% | 3,178 |
| Loan and lease loss provision to assets | 2.0560% | 601 |
| Net operating income to assets | -0.9035% | 6,904 |
| Return on assets (ROA) | -0.8044% | 6,878 |
| Pretax return on assets | -1.4873% | 7,072 |
| Return on Equity (ROE) | -7.9348% | 6,885 |
| Retained earnings to average equity (ytd only) | -7.9348% | 6,809 |
| Net charge-offs to loans | 5.4083% | 177 |
| Credit loss provision to net charge-offs | 58.3811% | 5,246 |
| Earnings coverage of net charge-offs (x) | 0.1176% | 5,604 |
| Efficiency ratio | 88.3092% | 1,484 |
| Assets per employee ($millions) | 4.1781% | 3,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0431% | 793 |
| Loan loss allowance to noncurrent loans | 64.8537% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 4.2956% | 1,554 |
| Noncurrent loans to loans | 4.6922% | 1,523 |
| Net loans and leases to total assets | 59.3642% | 5,182 |
| Net loans and leases to deposits | 73.2432% | 4,801 |
| Net loans and leases to core deposits | 82.9826% | 4,280 |
| Total domestic deposits to total assets | 81.0508% | 5,385 |
| Equity capital to assets | 10.1590% | 3,824 |
| Core capital (leverage) ratio | 8.3512% | 5,664 |
| Tier 1 risk-based capital ratio | 12.6775% | 4,708 |
| Total risk-based capital ratio | 13.9524% | 4,656 |
| Memoranda: | ||
| Average total assets | $1,009,648,330 | 654 |
| Average earning assets | $918,267,670 | 648 |
| Average equity | $102,358,670 | 647 |
| Average total loans | $657,434,000 | 667 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4358% | 6,928 |
| Cost of funding earning assets | 1.2688% | 5,008 |
| Net interest margin | 3.1670% | 6,393 |
| Noninterest income to average assets | 0.6125% | 3,189 |
| Noninterest expense to average assets | 3.0211% | 3,599 |
| Loan and lease loss provision to assets | 0.1167% | 5,440 |
| Net operating income to assets | 0.3355% | 5,139 |
| Return on assets (ROA) | 0.4218% | 4,882 |
| Pretax return on assets | 0.4461% | 5,145 |
| Return on Equity (ROE) | 4.1646% | 4,817 |
| Retained earnings to average equity (ytd only) | 4.1646% | 3,649 |
| Net charge-offs to loans | 0.3157% | 3,156 |
| Credit loss provision to net charge-offs | 55.0943% | 4,398 |
| Earnings coverage of net charge-offs (x) | 2.2283% | 3,422 |
| Efficiency ratio | 86.4500% | 1,744 |
| Assets per employee ($millions) | 4.2164% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9475% | 397 |
| Loan loss allowance to noncurrent loans | 75.6650% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 4.8892% | 1,331 |
| Noncurrent loans to loans | 5.2171% | 1,373 |
| Net loans and leases to total assets | 62.7431% | 4,603 |
| Net loans and leases to deposits | 77.1385% | 4,193 |
| Net loans and leases to core deposits | 85.1810% | 4,014 |
| Total domestic deposits to total assets | 81.3382% | 5,334 |
| Equity capital to assets | 9.9632% | 3,913 |
| Core capital (leverage) ratio | 8.5101% | 5,353 |
| Tier 1 risk-based capital ratio | 12.4497% | 4,794 |
| Total risk-based capital ratio | 13.7367% | 4,712 |
| Memoranda: | ||
| Average total assets | $1,000,571,000 | 676 |
| Average earning assets | $910,142,500 | 673 |
| Average equity | $101,331,000 | 657 |
| Average total loans | $671,502,500 | 674 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9003% | 6,712 |
| Cost of funding earning assets | 1.8050% | 3,968 |
| Net interest margin | 3.0953% | 6,384 |
| Noninterest income to average assets | 0.5511% | 4,016 |
| Noninterest expense to average assets | 3.5138% | 2,342 |
| Loan and lease loss provision to assets | 3.7841% | 380 |
| Net operating income to assets | -2.4500% | 7,254 |
| Return on assets (ROA) | -2.4500% | 7,257 |
| Pretax return on assets | -3.9234% | 7,509 |
| Return on Equity (ROE) | -28.4568% | 7,375 |
| Retained earnings to average equity (ytd only) | -29.6437% | 7,380 |
| Net charge-offs to loans | 3.3021% | 610 |
| Credit loss provision to net charge-offs | 156.0401% | 2,903 |
| Earnings coverage of net charge-offs (x) | -0.0575% | 6,279 |
| Efficiency ratio | 104.0698% | 954 |
| Assets per employee ($millions) | 3.7434% | 4,413 |
| Cash dividends to net income (ytd only)* | -4.1707% | 7,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9246% | 381 |
| Loan loss allowance to noncurrent loans | 91.8651% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 4.7030% | 1,349 |
| Noncurrent loans to loans | 4.2721% | 1,698 |
| Net loans and leases to total assets | 66.2675% | 4,090 |
| Net loans and leases to deposits | 82.2917% | 3,574 |
| Net loans and leases to core deposits | 117.9331% | 2,141 |
| Total domestic deposits to total assets | 80.5276% | 5,501 |
| Equity capital to assets | 10.2980% | 3,408 |
| Core capital (leverage) ratio | 8.4452% | 5,366 |
| Tier 1 risk-based capital ratio | 12.2900% | 4,697 |
| Total risk-based capital ratio | 13.5771% | 4,615 |
| Memoranda: | ||
| Average total assets | $978,654,200 | 685 |
| Average earning assets | $892,682,600 | 677 |
| Average equity | $84,257,400 | 761 |
| Average total loans | $718,718,600 | 643 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9597% | 6,735 |
| Cost of funding earning assets | 1.8843% | 3,961 |
| Net interest margin | 3.0754% | 6,382 |
| Noninterest income to average assets | 0.5394% | 4,164 |
| Noninterest expense to average assets | 3.0627% | 3,794 |
| Loan and lease loss provision to assets | 3.0006% | 492 |
| Net operating income to assets | -2.5130% | 7,470 |
| Return on assets (ROA) | -2.5130% | 7,470 |
| Pretax return on assets | -2.7137% | 7,420 |
| Return on Equity (ROE) | -30.6984% | 7,622 |
| Retained earnings to average equity (ytd only) | -32.3635% | 7,639 |
| Net charge-offs to loans | 2.8382% | 614 |
| Credit loss provision to net charge-offs | 141.7998% | 3,456 |
| Earnings coverage of net charge-offs (x) | 0.1356% | 5,894 |
| Efficiency ratio | 91.3726% | 1,586 |
| Assets per employee ($millions) | 3.8161% | 4,155 |
| Cash dividends to net income (ytd only)* | -5.4242% | 7,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8323% | 767 |
| Loan loss allowance to noncurrent loans | 56.2076% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 5.8100% | 948 |
| Noncurrent loans to loans | 5.0389% | 1,298 |
| Net loans and leases to total assets | 67.4735% | 4,072 |
| Net loans and leases to deposits | 82.2631% | 3,966 |
| Net loans and leases to core deposits | 114.7439% | 2,756 |
| Total domestic deposits to total assets | 82.0216% | 4,665 |
| Equity capital to assets | 7.4778% | 7,309 |
| Core capital (leverage) ratio | 6.5127% | 7,671 |
| Tier 1 risk-based capital ratio | 8.9527% | 7,639 |
| Total risk-based capital ratio | 10.2247% | 7,648 |
| Memoranda: | ||
| Average total assets | $978,124,750 | 698 |
| Average earning assets | $893,769,750 | 688 |
| Average equity | $80,071,750 | 819 |
| Average total loans | $729,277,750 | 651 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0703% | 6,545 |
| Cost of funding earning assets | 1.9596% | 3,960 |
| Net interest margin | 3.1106% | 6,200 |
| Noninterest income to average assets | 0.7368% | 2,783 |
| Noninterest expense to average assets | 3.2720% | 3,073 |
| Loan and lease loss provision to assets | 3.0796% | 487 |
| Net operating income to assets | -2.5548% | 7,575 |
| Return on assets (ROA) | -2.5548% | 7,563 |
| Pretax return on assets | -2.7708% | 7,498 |
| Return on Equity (ROE) | -30.3037% | 7,714 |
| Retained earnings to average equity (ytd only) | -32.7504% | 7,726 |
| Net charge-offs to loans | 3.0062% | 544 |
| Credit loss provision to net charge-offs | 134.2143% | 3,474 |
| Earnings coverage of net charge-offs (x) | 0.1346% | 5,533 |
| Efficiency ratio | 91.3191% | 1,696 |
| Assets per employee ($millions) | 3.6298% | 4,498 |
| Cash dividends to net income (ytd only)* | -8.0736% | 7,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3650% | 1,028 |
| Loan loss allowance to noncurrent loans | 62.6699% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 5.3212% | 959 |
| Noncurrent loans to loans | 3.7737% | 1,819 |
| Net loans and leases to total assets | 73.7537% | 2,771 |
| Net loans and leases to deposits | 93.2391% | 2,228 |
| Net loans and leases to core deposits | 126.9008% | 1,791 |
| Total domestic deposits to total assets | 79.1017% | 5,784 |
| Equity capital to assets | 8.1950% | 6,497 |
| Core capital (leverage) ratio | 7.3869% | 7,146 |
| Tier 1 risk-based capital ratio | 9.5111% | 7,379 |
| Total risk-based capital ratio | 10.7775% | 7,324 |
| Memoranda: | ||
| Average total assets | $969,618,670 | 718 |
| Average earning assets | $886,503,000 | 710 |
| Average equity | $81,745,670 | 806 |
| Average total loans | $740,059,670 | 657 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1004% | 6,645 |
| Cost of funding earning assets | 1.9844% | 4,205 |
| Net interest margin | 3.1160% | 6,156 |
| Noninterest income to average assets | 0.6570% | 3,160 |
| Noninterest expense to average assets | 2.9467% | 3,988 |
| Loan and lease loss provision to assets | 0.7430% | 1,732 |
| Net operating income to assets | -0.1208% | 6,446 |
| Return on assets (ROA) | -0.1208% | 6,553 |
| Pretax return on assets | -0.1670% | 6,536 |
| Return on Equity (ROE) | -1.4131% | 6,600 |
| Retained earnings to average equity (ytd only) | -4.8861% | 6,538 |
| Net charge-offs to loans | 0.5427% | 2,095 |
| Credit loss provision to net charge-offs | 178.4661% | 2,434 |
| Earnings coverage of net charge-offs (x) | 1.3835% | 4,042 |
| Efficiency ratio | 83.5909% | 2,345 |
| Assets per employee ($millions) | 3.7510% | 4,228 |
| Cash dividends to net income (ytd only)* | -245.7627% | 8,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8875% | 1,649 |
| Loan loss allowance to noncurrent loans | 41.3415% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 5.1141% | 876 |
| Noncurrent loans to loans | 4.5656% | 1,250 |
| Net loans and leases to total assets | 74.2993% | 2,684 |
| Net loans and leases to deposits | 98.3205% | 1,619 |
| Net loans and leases to core deposits | 133.4296% | 1,451 |
| Total domestic deposits to total assets | 75.5685% | 6,588 |
| Equity capital to assets | 8.4882% | 6,091 |
| Core capital (leverage) ratio | 7.7559% | 6,814 |
| Tier 1 risk-based capital ratio | 10.0564% | 6,845 |
| Total risk-based capital ratio | 11.3027% | 6,769 |
| Memoranda: | ||
| Average total assets | $977,106,500 | 711 |
| Average earning assets | $898,595,000 | 702 |
| Average equity | $83,502,000 | 791 |
| Average total loans | $749,519,500 | 658 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1594% | 4,731 |
| Cost of funding earning assets | 2.4438% | 4,508 |
| Net interest margin | 3.7156% | 4,399 |
| Noninterest income to average assets | 0.8239% | 2,389 |
| Noninterest expense to average assets | 3.1332% | 3,574 |
| Loan and lease loss provision to assets | 1.2890% | 1,104 |
| Net operating income to assets | -0.1586% | 6,570 |
| Return on assets (ROA) | -0.1586% | 6,413 |
| Pretax return on assets | -0.1998% | 6,369 |
| Return on Equity (ROE) | -1.7518% | 6,470 |
| Retained earnings to average equity (ytd only) | -8.6670% | 6,937 |
| Net charge-offs to loans | 1.3570% | 864 |
| Credit loss provision to net charge-offs | 123.9624% | 4,327 |
| Earnings coverage of net charge-offs (x) | 1.0475% | 5,608 |
| Efficiency ratio | 74.1553% | 3,544 |
| Assets per employee ($millions) | 3.6384% | 4,320 |
| Cash dividends to net income (ytd only)* | -394.7541% | 8,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7554% | 1,749 |
| Loan loss allowance to noncurrent loans | 85.7661% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 2.9639% | 1,558 |
| Noncurrent loans to loans | 2.0467% | 2,702 |
| Net loans and leases to total assets | 76.3349% | 2,534 |
| Net loans and leases to deposits | 109.2661% | 882 |
| Net loans and leases to core deposits | 148.6524% | 906 |
| Total domestic deposits to total assets | 69.8615% | 7,289 |
| Equity capital to assets | 8.6041% | 5,929 |
| Core capital (leverage) ratio | 7.8273% | 6,760 |
| Tier 1 risk-based capital ratio | 9.9142% | 6,830 |
| Total risk-based capital ratio | 11.1727% | 6,705 |
| Memoranda: | ||
| Average total assets | $961,635,400 | 688 |
| Average earning assets | $879,563,400 | 688 |
| Average equity | $87,054,400 | 759 |
| Average total loans | $736,857,000 | 651 |