Home > All American Bank > Performance and Condition Ratios
All American 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 | 4.3018% | 5,944 |
| Cost of funding earning assets | 0.9726% | 3,864 |
| Net interest margin | 3.3292% | 5,774 |
| Noninterest income to average assets | 0.5887% | 3,244 |
| Noninterest expense to average assets | 5.2420% | 304 |
| Loan and lease loss provision to assets | 2.3582% | 199 |
| Net operating income to assets | -3.9770% | 7,331 |
| Return on assets (ROA) | -3.9770% | 7,334 |
| Pretax return on assets | -3.9770% | 7,334 |
| Return on Equity (ROE) | -137.4790% | 7,404 |
| Retained earnings to average equity (ytd only) | -137.4790% | 7,404 |
| Net charge-offs to loans | 5.2863% | 81 |
| Credit loss provision to net charge-offs | 62.7799% | 4,715 |
| Earnings coverage of net charge-offs (x) | -0.4310% | 5,812 |
| Efficiency ratio | 144.6809% | 161 |
| Assets per employee ($millions) | 3.8667% | 4,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0550% | 29 |
| Loan loss allowance to noncurrent loans | 49.9406% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 14.0776% | 155 |
| Noncurrent loans to loans | 16.1292% | 114 |
| Net loans and leases to total assets | 68.9799% | 2,282 |
| Net loans and leases to deposits | 78.5967% | 2,873 |
| Net loans and leases to core deposits | 80.1636% | 3,611 |
| Total domestic deposits to total assets | 87.7644% | 2,185 |
| Equity capital to assets | 2.0144% | 7,405 |
| Core capital (leverage) ratio | 1.8805% | 7,407 |
| Tier 1 risk-based capital ratio | 2.6240% | 7,405 |
| Total risk-based capital ratio | 3.9683% | 7,405 |
| Memoranda: | ||
| Average total assets | $38,051,000 | 6,795 |
| Average earning assets | $34,682,250 | 6,790 |
| Average equity | $1,100,750 | 7,402 |
| Average total loans | $27,037,750 | 6,348 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1694% | 6,345 |
| Cost of funding earning assets | 0.9704% | 4,167 |
| Net interest margin | 3.1990% | 6,164 |
| Noninterest income to average assets | 0.6848% | 2,632 |
| Noninterest expense to average assets | 5.2639% | 301 |
| Loan and lease loss provision to assets | 3.4394% | 114 |
| Net operating income to assets | -5.1208% | 7,440 |
| Return on assets (ROA) | -5.1208% | 7,443 |
| Pretax return on assets | -5.1208% | 7,441 |
| Return on Equity (ROE) | -162.3987% | 7,478 |
| Retained earnings to average equity (ytd only) | -162.3987% | 7,478 |
| Net charge-offs to loans | 7.8983% | 41 |
| Credit loss provision to net charge-offs | 62.3148% | 4,292 |
| Earnings coverage of net charge-offs (x) | -0.3046% | 5,457 |
| Efficiency ratio | 146.9330% | 168 |
| Assets per employee ($millions) | 4.1946% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9104% | 34 |
| Loan loss allowance to noncurrent loans | 34.4970% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 16.9823% | 109 |
| Noncurrent loans to loans | 22.9308% | 41 |
| Net loans and leases to total assets | 64.6049% | 3,343 |
| Net loans and leases to deposits | 72.9271% | 3,965 |
| Net loans and leases to core deposits | 74.2503% | 4,548 |
| Total domestic deposits to total assets | 88.5884% | 1,794 |
| Equity capital to assets | 2.1960% | 7,470 |
| Core capital (leverage) ratio | 2.1587% | 7,466 |
| Tier 1 risk-based capital ratio | 3.0850% | 7,462 |
| Total risk-based capital ratio | 4.4172% | 7,462 |
| Memoranda: | ||
| Average total assets | $39,134,670 | 6,820 |
| Average earning assets | $35,449,000 | 6,822 |
| Average equity | $1,234,000 | 7,461 |
| Average total loans | $27,347,670 | 6,395 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2447% | 6,162 |
| Cost of funding earning assets | 0.9934% | 4,246 |
| Net interest margin | 3.2513% | 5,919 |
| Noninterest income to average assets | 0.9843% | 1,379 |
| Noninterest expense to average assets | 4.8510% | 414 |
| Loan and lease loss provision to assets | 6.7593% | 35 |
| Net operating income to assets | -7.7335% | 7,535 |
| Return on assets (ROA) | -7.7335% | 7,536 |
| Pretax return on assets | -7.7335% | 7,532 |
| Return on Equity (ROE) | -214.4100% | 7,541 |
| Retained earnings to average equity (ytd only) | -214.4100% | 7,539 |
| Net charge-offs to loans | 15.6230% | 12 |
| Credit loss provision to net charge-offs | 62.0276% | 3,511 |
| Earnings coverage of net charge-offs (x) | -0.0894% | 4,638 |
| Efficiency ratio | 125.1295% | 305 |
| Assets per employee ($millions) | 4.2283% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7956% | 43 |
| Loan loss allowance to noncurrent loans | 37.4284% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 15.5617% | 145 |
| Noncurrent loans to loans | 20.8280% | 59 |
| Net loans and leases to total assets | 64.9586% | 3,245 |
| Net loans and leases to deposits | 73.5955% | 3,826 |
| Net loans and leases to core deposits | 74.9204% | 4,438 |
| Total domestic deposits to total assets | 88.2644% | 2,215 |
| Equity capital to assets | 2.7565% | 7,494 |
| Core capital (leverage) ratio | 2.6768% | 7,495 |
| Tier 1 risk-based capital ratio | 3.8490% | 7,493 |
| Total risk-based capital ratio | 5.1782% | 7,493 |
| Memoranda: | ||
| Average total assets | $39,826,500 | 6,841 |
| Average earning assets | $35,432,500 | 6,864 |
| Average equity | $1,436,500 | 7,494 |
| Average total loans | $27,779,500 | 6,427 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4239% | 6,569 |
| Cost of funding earning assets | 1.5570% | 2,322 |
| Net interest margin | 2.8668% | 6,942 |
| Noninterest income to average assets | 0.6857% | 2,930 |
| Noninterest expense to average assets | 4.6593% | 566 |
| Loan and lease loss provision to assets | -0.3362% | 7,639 |
| Net operating income to assets | -1.0589% | 6,718 |
| Return on assets (ROA) | -1.0589% | 6,750 |
| Pretax return on assets | -1.0589% | 6,673 |
| Return on Equity (ROE) | -21.9346% | 7,075 |
| Retained earnings to average equity (ytd only) | -21.9346% | 7,051 |
| Net charge-offs to loans | 4.4335% | 252 |
| Credit loss provision to net charge-offs | -10.0000% | 6,986 |
| Earnings coverage of net charge-offs (x) | -0.4150% | 6,413 |
| Efficiency ratio | 142.7413% | 246 |
| Assets per employee ($millions) | 4.6220% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7029% | 31 |
| Loan loss allowance to noncurrent loans | 37.1327% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 17.0104% | 117 |
| Noncurrent loans to loans | 23.4373% | 50 |
| Net loans and leases to total assets | 63.0968% | 4,046 |
| Net loans and leases to deposits | 66.6726% | 5,310 |
| Net loans and leases to core deposits | 69.0565% | 5,546 |
| Total domestic deposits to total assets | 94.6368% | 67 |
| Equity capital to assets | 4.3848% | 7,486 |
| Core capital (leverage) ratio | 5.1486% | 7,404 |
| Tier 1 risk-based capital ratio | 6.1642% | 7,473 |
| Total risk-based capital ratio | 7.5127% | 7,472 |
| Memoranda: | ||
| Average total assets | $37,774,000 | 6,946 |
| Average earning assets | $33,974,800 | 6,951 |
| Average equity | $1,823,600 | 7,535 |
| Average total loans | $28,645,800 | 6,466 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 6,793 |
| Cost of funding earning assets | 1.7183% | 1,780 |
| Net interest margin | 2.7002% | 7,231 |
| Noninterest income to average assets | 0.3802% | 5,111 |
| Noninterest expense to average assets | 4.7765% | 451 |
| Loan and lease loss provision to assets | 1.3508% | 1,010 |
| Net operating income to assets | -3.2773% | 7,484 |
| Return on assets (ROA) | -3.2773% | 7,500 |
| Pretax return on assets | -3.2773% | 7,469 |
| Return on Equity (ROE) | -66.1716% | 7,623 |
| Retained earnings to average equity (ytd only) | -66.1716% | 7,621 |
| Net charge-offs to loans | 4.4723% | 230 |
| Credit loss provision to net charge-offs | 38.8542% | 6,032 |
| Earnings coverage of net charge-offs (x) | -0.5542% | 6,345 |
| Efficiency ratio | 167.5985% | 143 |
| Assets per employee ($millions) | 3.7747% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.6235% | 14 |
| Loan loss allowance to noncurrent loans | 49.7821% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 20.5787% | 54 |
| Noncurrent loans to loans | 23.3488% | 44 |
| Net loans and leases to total assets | 74.1258% | 1,775 |
| Net loans and leases to deposits | 77.9725% | 3,830 |
| Net loans and leases to core deposits | 81.2690% | 4,347 |
| Total domestic deposits to total assets | 95.0665% | 40 |
| Equity capital to assets | 3.9150% | 7,645 |
| Core capital (leverage) ratio | 3.7799% | 7,636 |
| Tier 1 risk-based capital ratio | 4.7220% | 7,651 |
| Total risk-based capital ratio | 6.1013% | 7,650 |
| Memoranda: | ||
| Average total assets | $36,818,000 | 7,065 |
| Average earning assets | $33,676,000 | 7,038 |
| Average equity | $1,823,500 | 7,633 |
| Average total loans | $28,620,000 | 6,550 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1649% | 7,214 |
| Cost of funding earning assets | 1.8549% | 1,409 |
| Net interest margin | 2.3100% | 7,526 |
| Noninterest income to average assets | 0.3760% | 5,117 |
| Noninterest expense to average assets | 4.7449% | 461 |
| Loan and lease loss provision to assets | 0.3177% | 3,840 |
| Net operating income to assets | -2.5631% | 7,431 |
| Return on assets (ROA) | -2.5631% | 7,440 |
| Pretax return on assets | -2.5631% | 7,382 |
| Return on Equity (ROE) | -48.6922% | 7,602 |
| Retained earnings to average equity (ytd only) | -48.6922% | 7,597 |
| Net charge-offs to loans | 4.1588% | 301 |
| Credit loss provision to net charge-offs | 10.0671% | 5,938 |
| Earnings coverage of net charge-offs (x) | -0.7114% | 6,073 |
| Efficiency ratio | 189.8305% | 115 |
| Assets per employee ($millions) | 4.0404% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.7440% | 13 |
| Loan loss allowance to noncurrent loans | 47.0218% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 20.5973% | 52 |
| Noncurrent loans to loans | 24.9756% | 31 |
| Net loans and leases to total assets | 69.5001% | 3,017 |
| Net loans and leases to deposits | 73.6736% | 4,728 |
| Net loans and leases to core deposits | 76.5918% | 5,126 |
| Total domestic deposits to total assets | 94.3351% | 67 |
| Equity capital to assets | 4.8042% | 7,650 |
| Core capital (leverage) ratio | 4.6148% | 7,646 |
| Tier 1 risk-based capital ratio | 6.1098% | 7,656 |
| Total risk-based capital ratio | 7.4862% | 7,651 |
| Memoranda: | ||
| Average total assets | $37,766,670 | 7,084 |
| Average earning assets | $34,718,330 | 7,055 |
| Average equity | $1,988,000 | 7,663 |
| Average total loans | $28,662,000 | 6,597 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9473% | 7,497 |
| Cost of funding earning assets | 1.9792% | 1,161 |
| Net interest margin | 1.9680% | 7,731 |
| Noninterest income to average assets | 0.3847% | 5,047 |
| Noninterest expense to average assets | 4.5544% | 543 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -2.3396% | 7,525 |
| Return on assets (ROA) | -2.3396% | 7,532 |
| Pretax return on assets | -2.3396% | 7,486 |
| Return on Equity (ROE) | -42.6844% | 7,663 |
| Retained earnings to average equity (ytd only) | -42.6844% | 7,648 |
| Net charge-offs to loans | -0.0837% | 7,487 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 205.6338% | 93 |
| Assets per employee ($millions) | 4.2256% | 3,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.2467% | 9 |
| Loan loss allowance to noncurrent loans | 50.0641% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 20.5101% | 50 |
| Noncurrent loans to loans | 26.4595% | 31 |
| Net loans and leases to total assets | 67.2469% | 3,565 |
| Net loans and leases to deposits | 71.4058% | 5,140 |
| Net loans and leases to core deposits | 75.4039% | 5,343 |
| Total domestic deposits to total assets | 94.1757% | 69 |
| Equity capital to assets | 5.2406% | 7,700 |
| Core capital (leverage) ratio | 5.1813% | 7,688 |
| Tier 1 risk-based capital ratio | 6.9398% | 7,702 |
| Total risk-based capital ratio | 8.3423% | 7,695 |
| Memoranda: | ||
| Average total assets | $38,468,000 | 7,139 |
| Average earning assets | $35,771,500 | 7,099 |
| Average equity | $2,108,500 | 7,731 |
| Average total loans | $28,675,000 | 6,679 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0291% | 6,339 |
| Cost of funding earning assets | 2.5097% | 1,004 |
| Net interest margin | 2.5194% | 7,409 |
| Noninterest income to average assets | 0.7296% | 2,791 |
| Noninterest expense to average assets | 5.2404% | 448 |
| Loan and lease loss provision to assets | 6.5358% | 83 |
| Net operating income to assets | -8.6351% | 7,950 |
| Return on assets (ROA) | -8.6351% | 7,950 |
| Pretax return on assets | -8.6351% | 7,936 |
| Return on Equity (ROE) | -66.8054% | 7,795 |
| Retained earnings to average equity (ytd only) | -66.8054% | 7,791 |
| Net charge-offs to loans | 1.3763% | 1,822 |
| Credit loss provision to net charge-offs | 607.4713% | 486 |
| Earnings coverage of net charge-offs (x) | -1.9511% | 6,998 |
| Efficiency ratio | 166.8307% | 232 |
| Assets per employee ($millions) | 4.3229% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.9895% | 8 |
| Loan loss allowance to noncurrent loans | 76.0335% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 13.1805% | 194 |
| Noncurrent loans to loans | 18.3991% | 95 |
| Net loans and leases to total assets | 61.6152% | 5,077 |
| Net loans and leases to deposits | 65.8499% | 6,067 |
| Net loans and leases to core deposits | 92.9003% | 4,793 |
| Total domestic deposits to total assets | 93.5691% | 96 |
| Equity capital to assets | 5.7163% | 7,707 |
| Core capital (leverage) ratio | 5.5603% | 7,701 |
| Tier 1 risk-based capital ratio | 7.9464% | 7,662 |
| Total risk-based capital ratio | 9.3083% | 7,656 |
| Memoranda: | ||
| Average total assets | $32,344,800 | 7,386 |
| Average earning assets | $30,959,600 | 7,314 |
| Average equity | $4,180,800 | 7,216 |
| Average total loans | $25,285,800 | 6,894 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2367% | 5,735 |
| Cost of funding earning assets | 2.6024% | 1,025 |
| Net interest margin | 2.6343% | 7,311 |
| Noninterest income to average assets | 0.4733% | 4,723 |
| Noninterest expense to average assets | 5.3020% | 406 |
| Loan and lease loss provision to assets | 1.4026% | 1,372 |
| Net operating income to assets | -3.7170% | 7,715 |
| Return on assets (ROA) | -3.7170% | 7,713 |
| Pretax return on assets | -3.7170% | 7,642 |
| Return on Equity (ROE) | -24.4390% | 7,496 |
| Retained earnings to average equity (ytd only) | -24.4390% | 7,472 |
| Net charge-offs to loans | 1.6829% | 1,203 |
| Credit loss provision to net charge-offs | 103.8585% | 4,899 |
| Earnings coverage of net charge-offs (x) | -1.7138% | 6,717 |
| Efficiency ratio | 177.4709% | 209 |
| Assets per employee ($millions) | 4.2159% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0022% | 33 |
| Loan loss allowance to noncurrent loans | 33.9238% | 6,171 |
| Noncurrent assets plus other real estate owned to assets | 16.6645% | 88 |
| Noncurrent loans to loans | 23.5889% | 34 |
| Net loans and leases to total assets | 64.9922% | 4,650 |
| Net loans and leases to deposits | 73.7396% | 5,394 |
| Net loans and leases to core deposits | 107.9874% | 3,476 |
| Total domestic deposits to total assets | 88.1375% | 1,601 |
| Equity capital to assets | 10.9664% | 3,044 |
| Core capital (leverage) ratio | 12.1057% | 1,753 |
| Tier 1 risk-based capital ratio | 15.3082% | 2,909 |
| Total risk-based capital ratio | 16.6403% | 2,814 |
| Memoranda: | ||
| Average total assets | $30,704,500 | 7,516 |
| Average earning assets | $29,305,250 | 7,446 |
| Average equity | $4,670,000 | 7,118 |
| Average total loans | $24,639,500 | 6,999 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8138% | 2,985 |
| Cost of funding earning assets | 2.8136% | 756 |
| Net interest margin | 3.0002% | 6,556 |
| Noninterest income to average assets | 0.4807% | 4,623 |
| Noninterest expense to average assets | 5.3867% | 402 |
| Loan and lease loss provision to assets | 0.7281% | 2,250 |
| Net operating income to assets | -2.7923% | 7,629 |
| Return on assets (ROA) | -2.7923% | 7,623 |
| Pretax return on assets | -2.7923% | 7,501 |
| Return on Equity (ROE) | -16.3234% | 7,394 |
| Retained earnings to average equity (ytd only) | -16.3234% | 7,318 |
| Net charge-offs to loans | 1.5470% | 1,222 |
| Credit loss provision to net charge-offs | 55.6757% | 5,668 |
| Earnings coverage of net charge-offs (x) | -1.5784% | 6,319 |
| Efficiency ratio | 162.1277% | 318 |
| Assets per employee ($millions) | 3.7064% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8839% | 34 |
| Loan loss allowance to noncurrent loans | 59.4493% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 10.3423% | 268 |
| Noncurrent loans to loans | 13.2616% | 177 |
| Net loans and leases to total assets | 71.8388% | 3,266 |
| Net loans and leases to deposits | 84.3179% | 3,821 |
| Net loans and leases to core deposits | 123.9988% | 2,026 |
| Total domestic deposits to total assets | 85.2000% | 3,165 |
| Equity capital to assets | 13.8527% | 1,365 |
| Core capital (leverage) ratio | 14.2976% | 1,068 |
| Tier 1 risk-based capital ratio | 17.3578% | 2,191 |
| Total risk-based capital ratio | 18.6876% | 2,122 |
| Memoranda: | ||
| Average total assets | $28,291,670 | 7,671 |
| Average earning assets | $26,798,330 | 7,607 |
| Average equity | $4,839,670 | 7,127 |
| Average total loans | $23,917,670 | 7,092 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3327% | 1,211 |
| Cost of funding earning assets | 2.8546% | 861 |
| Net interest margin | 3.4780% | 4,812 |
| Noninterest income to average assets | 0.4814% | 4,494 |
| Noninterest expense to average assets | 5.8233% | 309 |
| Loan and lease loss provision to assets | 0.0311% | 6,542 |
| Net operating income to assets | -2.0809% | 7,683 |
| Return on assets (ROA) | -2.0809% | 7,679 |
| Pretax return on assets | -2.0809% | 7,557 |
| Return on Equity (ROE) | -10.8305% | 7,416 |
| Retained earnings to average equity (ytd only) | -10.8305% | 7,188 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.3210% | 333 |
| Assets per employee ($millions) | 2.7939% | 6,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2201% | 21 |
| Loan loss allowance to noncurrent loans | 104.5544% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 7.3088% | 445 |
| Noncurrent loans to loans | 8.8184% | 372 |
| Net loans and leases to total assets | 75.2389% | 2,439 |
| Net loans and leases to deposits | 92.1368% | 2,570 |
| Net loans and leases to core deposits | 135.6194% | 1,331 |
| Total domestic deposits to total assets | 81.6600% | 4,695 |
| Equity capital to assets | 17.4738% | 673 |
| Core capital (leverage) ratio | 18.0674% | 548 |
| Tier 1 risk-based capital ratio | 20.6602% | 1,495 |
| Total risk-based capital ratio | 22.0059% | 1,457 |
| Memoranda: | ||
| Average total assets | $25,758,500 | 7,809 |
| Average earning assets | $24,381,500 | 7,749 |
| Average equity | $4,949,000 | 7,128 |
| Average total loans | $22,869,000 | 7,190 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2629% | 4,167 |
| Cost of funding earning assets | 2.9195% | 2,177 |
| Net interest margin | 3.3434% | 5,893 |
| Noninterest income to average assets | 0.4724% | 4,859 |
| Noninterest expense to average assets | 6.2833% | 364 |
| Loan and lease loss provision to assets | 6.4055% | 49 |
| Net operating income to assets | -9.0687% | 8,246 |
| Return on assets (ROA) | -9.0687% | 8,243 |
| Pretax return on assets | -9.0687% | 8,230 |
| Return on Equity (ROE) | -33.9565% | 8,010 |
| Retained earnings to average equity (ytd only) | -33.9565% | 7,971 |
| Net charge-offs to loans | 0.2490% | 3,781 |
| Credit loss provision to net charge-offs | 3,346.8085% | 151 |
| Earnings coverage of net charge-offs (x) | -13.9149% | 6,922 |
| Efficiency ratio | 173.5658% | 274 |
| Assets per employee ($millions) | 2.3578% | 7,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.4456% | 13 |
| Loan loss allowance to noncurrent loans | 109.8352% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 8.2365% | 270 |
| Noncurrent loans to loans | 8.5998% | 298 |
| Net loans and leases to total assets | 86.7292% | 504 |
| Net loans and leases to deposits | 111.5238% | 734 |
| Net loans and leases to core deposits | 158.9136% | 596 |
| Total domestic deposits to total assets | 77.7674% | 5,785 |
| Equity capital to assets | 21.2741% | 387 |
| Core capital (leverage) ratio | 20.8826% | 382 |
| Tier 1 risk-based capital ratio | 22.5003% | 1,251 |
| Total risk-based capital ratio | 23.8505% | 1,214 |
| Memoranda: | ||
| Average total assets | $24,557,000 | 7,855 |
| Average earning assets | $23,120,400 | 7,819 |
| Average equity | $6,558,400 | 6,619 |
| Average total loans | $18,872,000 | 7,410 |