Home > Allegiance Community Bank > Performance and Condition Ratios
Allegiance Community 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 | 4.9897% | 3,139 |
| Cost of funding earning assets | 1.6030% | 573 |
| Net interest margin | 3.3868% | 5,616 |
| Noninterest income to average assets | 0.1209% | 6,659 |
| Noninterest expense to average assets | 2.7748% | 4,448 |
| Loan and lease loss provision to assets | 0.2514% | 3,496 |
| Net operating income to assets | 0.2143% | 5,658 |
| Return on assets (ROA) | 0.4816% | 4,825 |
| Pretax return on assets | 0.4816% | 5,220 |
| Return on Equity (ROE) | 8.2784% | 2,924 |
| Retained earnings to average equity (ytd only) | 8.2784% | 1,399 |
| Net charge-offs to loans | 0.8391% | 1,899 |
| Credit loss provision to net charge-offs | 44.3820% | 5,159 |
| Earnings coverage of net charge-offs (x) | 0.8221% | 4,998 |
| Efficiency ratio | 85.6301% | 1,573 |
| Assets per employee ($millions) | 5.6767% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 5,883 |
| Loan loss allowance to noncurrent loans | 22.7101% | 6,595 |
| Noncurrent assets plus other real estate owned to assets | 3.2444% | 1,962 |
| Noncurrent loans to loans | 4.8526% | 1,310 |
| Net loans and leases to total assets | 66.1216% | 2,878 |
| Net loans and leases to deposits | 79.4060% | 2,740 |
| Net loans and leases to core deposits | 85.8810% | 2,788 |
| Total domestic deposits to total assets | 83.2703% | 4,576 |
| Equity capital to assets | 5.8362% | 7,202 |
| Core capital (leverage) ratio | 5.4658% | 7,189 |
| Tier 1 risk-based capital ratio | 9.7949% | 7,008 |
| Total risk-based capital ratio | 11.0473% | 6,999 |
| Memoranda: | ||
| Average total assets | $125,701,250 | 4,282 |
| Average earning assets | $115,781,250 | 4,260 |
| Average equity | $7,312,000 | 5,816 |
| Average total loans | $84,847,500 | 4,040 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0352% | 2,992 |
| Cost of funding earning assets | 1.6174% | 653 |
| Net interest margin | 3.4177% | 5,491 |
| Noninterest income to average assets | 0.1193% | 6,736 |
| Noninterest expense to average assets | 2.8433% | 4,261 |
| Loan and lease loss provision to assets | 0.0999% | 5,073 |
| Net operating income to assets | 0.3095% | 5,336 |
| Return on assets (ROA) | 0.4529% | 4,846 |
| Pretax return on assets | 0.4529% | 5,218 |
| Return on Equity (ROE) | 7.7955% | 3,047 |
| Retained earnings to average equity (ytd only) | 7.7955% | 1,532 |
| Net charge-offs to loans | 0.8164% | 1,870 |
| Credit loss provision to net charge-offs | 18.0758% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.7405% | 4,742 |
| Efficiency ratio | 87.4133% | 1,469 |
| Assets per employee ($millions) | 5.7428% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 5,729 |
| Loan loss allowance to noncurrent loans | 20.9518% | 6,690 |
| Noncurrent assets plus other real estate owned to assets | 3.6757% | 1,773 |
| Noncurrent loans to loans | 5.5295% | 1,141 |
| Net loans and leases to total assets | 65.7050% | 3,089 |
| Net loans and leases to deposits | 79.3259% | 2,919 |
| Net loans and leases to core deposits | 86.0399% | 2,899 |
| Total domestic deposits to total assets | 82.8291% | 4,833 |
| Equity capital to assets | 5.9046% | 7,257 |
| Core capital (leverage) ratio | 5.5109% | 7,254 |
| Tier 1 risk-based capital ratio | 9.9831% | 6,979 |
| Total risk-based capital ratio | 11.2352% | 6,982 |
| Memoranda: | ||
| Average total assets | $124,080,330 | 4,344 |
| Average earning assets | $113,760,000 | 4,340 |
| Average equity | $7,209,330 | 5,864 |
| Average total loans | $84,032,330 | 4,094 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8696% | 3,726 |
| Cost of funding earning assets | 1.6409% | 701 |
| Net interest margin | 3.2287% | 5,986 |
| Noninterest income to average assets | 0.1301% | 6,765 |
| Noninterest expense to average assets | 2.7263% | 4,730 |
| Loan and lease loss provision to assets | 0.0813% | 4,990 |
| Net operating income to assets | 0.2863% | 5,477 |
| Return on assets (ROA) | 0.3253% | 5,367 |
| Pretax return on assets | 0.3253% | 5,580 |
| Return on Equity (ROE) | 5.6465% | 4,088 |
| Retained earnings to average equity (ytd only) | 5.6465% | 2,825 |
| Net charge-offs to loans | 1.4324% | 955 |
| Credit loss provision to net charge-offs | 8.3056% | 4,400 |
| Earnings coverage of net charge-offs (x) | 0.3754% | 4,338 |
| Efficiency ratio | 88.1178% | 1,504 |
| Assets per employee ($millions) | 5.6614% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 5,782 |
| Loan loss allowance to noncurrent loans | 27.2196% | 6,458 |
| Noncurrent assets plus other real estate owned to assets | 2.8848% | 2,392 |
| Noncurrent loans to loans | 4.2794% | 1,664 |
| Net loans and leases to total assets | 66.6257% | 2,851 |
| Net loans and leases to deposits | 80.4333% | 2,630 |
| Net loans and leases to core deposits | 92.1869% | 2,109 |
| Total domestic deposits to total assets | 82.8335% | 4,981 |
| Equity capital to assets | 5.7406% | 7,313 |
| Core capital (leverage) ratio | 5.5951% | 7,304 |
| Tier 1 risk-based capital ratio | 9.7665% | 7,068 |
| Total risk-based capital ratio | 11.0181% | 7,080 |
| Memoranda: | ||
| Average total assets | $122,949,500 | 4,395 |
| Average earning assets | $112,864,000 | 4,386 |
| Average equity | $7,084,000 | 5,903 |
| Average total loans | $84,055,500 | 4,135 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1795% | 3,704 |
| Cost of funding earning assets | 1.9267% | 770 |
| Net interest margin | 3.2528% | 6,121 |
| Noninterest income to average assets | 0.1182% | 6,815 |
| Noninterest expense to average assets | 2.7127% | 4,935 |
| Loan and lease loss provision to assets | 0.3147% | 4,287 |
| Net operating income to assets | 0.0851% | 5,625 |
| Return on assets (ROA) | 0.3232% | 5,018 |
| Pretax return on assets | 0.3232% | 5,170 |
| Return on Equity (ROE) | 5.4577% | 3,859 |
| Retained earnings to average equity (ytd only) | 5.4577% | 2,143 |
| Net charge-offs to loans | 0.0280% | 6,524 |
| Credit loss provision to net charge-offs | 1,608.6957% | 142 |
| Earnings coverage of net charge-offs (x) | 20.4348% | 1,003 |
| Efficiency ratio | 87.1550% | 1,560 |
| Assets per employee ($millions) | 6.0674% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 4,066 |
| Loan loss allowance to noncurrent loans | 30.0072% | 6,289 |
| Noncurrent assets plus other real estate owned to assets | 3.4941% | 1,983 |
| Noncurrent loans to loans | 4.9661% | 1,361 |
| Net loans and leases to total assets | 68.3126% | 2,905 |
| Net loans and leases to deposits | 82.7842% | 2,663 |
| Net loans and leases to core deposits | 91.0755% | 2,610 |
| Total domestic deposits to total assets | 82.5189% | 5,014 |
| Equity capital to assets | 5.7834% | 7,371 |
| Core capital (leverage) ratio | 5.5541% | 7,356 |
| Tier 1 risk-based capital ratio | 9.2999% | 7,184 |
| Total risk-based capital ratio | 10.5562% | 7,188 |
| Memoranda: | ||
| Average total assets | $117,558,800 | 4,536 |
| Average earning assets | $108,214,600 | 4,509 |
| Average equity | $6,962,600 | 6,045 |
| Average total loans | $82,218,800 | 4,270 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1897% | 3,881 |
| Cost of funding earning assets | 1.9816% | 798 |
| Net interest margin | 3.2081% | 6,314 |
| Noninterest income to average assets | 0.1475% | 6,807 |
| Noninterest expense to average assets | 2.7418% | 4,718 |
| Loan and lease loss provision to assets | 0.1201% | 5,829 |
| Net operating income to assets | 0.2344% | 5,409 |
| Return on assets (ROA) | 0.4756% | 4,614 |
| Pretax return on assets | 0.4756% | 5,004 |
| Return on Equity (ROE) | 7.9820% | 2,905 |
| Retained earnings to average equity (ytd only) | 7.9820% | 1,426 |
| Net charge-offs to loans | -0.0179% | 7,340 |
| Credit loss provision to net charge-offs | -954.5455% | 7,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5524% | 1,405 |
| Assets per employee ($millions) | 5.9577% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 5,385 |
| Loan loss allowance to noncurrent loans | 28.1078% | 6,444 |
| Noncurrent assets plus other real estate owned to assets | 3.1027% | 2,331 |
| Noncurrent loans to loans | 4.3432% | 1,674 |
| Net loans and leases to total assets | 69.4024% | 2,880 |
| Net loans and leases to deposits | 84.7207% | 2,570 |
| Net loans and leases to core deposits | 101.7760% | 1,676 |
| Total domestic deposits to total assets | 81.9190% | 5,029 |
| Equity capital to assets | 6.0930% | 7,475 |
| Core capital (leverage) ratio | 5.7579% | 7,465 |
| Tier 1 risk-based capital ratio | 9.2892% | 7,304 |
| Total risk-based capital ratio | 10.5430% | 7,312 |
| Memoranda: | ||
| Average total assets | $116,611,500 | 4,626 |
| Average earning assets | $107,183,250 | 4,592 |
| Average equity | $6,948,750 | 6,132 |
| Average total loans | $81,736,000 | 4,358 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2728% | 3,592 |
| Cost of funding earning assets | 2.0192% | 857 |
| Net interest margin | 3.2536% | 6,156 |
| Noninterest income to average assets | 0.1659% | 6,717 |
| Noninterest expense to average assets | 2.7660% | 4,636 |
| Loan and lease loss provision to assets | 0.1158% | 5,745 |
| Net operating income to assets | 0.2851% | 5,240 |
| Return on assets (ROA) | 0.3904% | 4,954 |
| Pretax return on assets | 0.3904% | 5,257 |
| Return on Equity (ROE) | 6.6034% | 3,497 |
| Retained earnings to average equity (ytd only) | 6.6034% | 2,020 |
| Net charge-offs to loans | 0.0444% | 5,761 |
| Credit loss provision to net charge-offs | 372.2222% | 980 |
| Earnings coverage of net charge-offs (x) | 12.8889% | 1,633 |
| Efficiency ratio | 87.3432% | 1,575 |
| Assets per employee ($millions) | 5.8624% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 5,683 |
| Loan loss allowance to noncurrent loans | 45.6283% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 1.7851% | 3,778 |
| Noncurrent loans to loans | 2.5243% | 3,131 |
| Net loans and leases to total assets | 69.9029% | 2,926 |
| Net loans and leases to deposits | 85.4951% | 2,604 |
| Net loans and leases to core deposits | 103.0866% | 1,724 |
| Total domestic deposits to total assets | 81.7624% | 5,083 |
| Equity capital to assets | 6.0965% | 7,526 |
| Core capital (leverage) ratio | 5.5140% | 7,549 |
| Tier 1 risk-based capital ratio | 9.1932% | 7,375 |
| Total risk-based capital ratio | 10.4450% | 7,371 |
| Memoranda: | ||
| Average total assets | $115,764,330 | 4,662 |
| Average earning assets | $106,774,000 | 4,628 |
| Average equity | $6,845,000 | 6,191 |
| Average total loans | $81,075,670 | 4,416 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2549% | 3,758 |
| Cost of funding earning assets | 2.0566% | 925 |
| Net interest margin | 3.1983% | 6,302 |
| Noninterest income to average assets | 0.2087% | 6,465 |
| Noninterest expense to average assets | 2.7403% | 4,718 |
| Loan and lease loss provision to assets | 0.1043% | 5,582 |
| Net operating income to assets | 0.3060% | 5,275 |
| Return on assets (ROA) | 0.3478% | 5,211 |
| Pretax return on assets | 0.3478% | 5,465 |
| Return on Equity (ROE) | 5.9759% | 3,894 |
| Retained earnings to average equity (ytd only) | 5.9759% | 2,632 |
| Net charge-offs to loans | 0.1697% | 3,905 |
| Credit loss provision to net charge-offs | 88.2353% | 3,698 |
| Earnings coverage of net charge-offs (x) | 3.4706% | 2,898 |
| Efficiency ratio | 86.9757% | 1,687 |
| Assets per employee ($millions) | 6.1750% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1288% | 5,870 |
| Loan loss allowance to noncurrent loans | 46.3992% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 1.6569% | 3,985 |
| Noncurrent loans to loans | 2.4327% | 3,242 |
| Net loans and leases to total assets | 67.3420% | 3,540 |
| Net loans and leases to deposits | 82.1299% | 3,263 |
| Net loans and leases to core deposits | 103.3013% | 1,796 |
| Total domestic deposits to total assets | 81.9945% | 5,072 |
| Equity capital to assets | 5.8231% | 7,642 |
| Core capital (leverage) ratio | 5.5472% | 7,644 |
| Tier 1 risk-based capital ratio | 9.1563% | 7,441 |
| Total risk-based capital ratio | 10.3852% | 7,460 |
| Memoranda: | ||
| Average total assets | $115,023,000 | 4,737 |
| Average earning assets | $105,805,500 | 4,713 |
| Average equity | $6,693,500 | 6,288 |
| Average total loans | $80,156,500 | 4,497 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6460% | 3,369 |
| Cost of funding earning assets | 3.0092% | 221 |
| Net interest margin | 2.6368% | 7,298 |
| Noninterest income to average assets | 0.2797% | 6,105 |
| Noninterest expense to average assets | 2.9926% | 4,170 |
| Loan and lease loss provision to assets | 0.1043% | 6,589 |
| Net operating income to assets | -0.4831% | 6,161 |
| Return on assets (ROA) | 0.0096% | 5,505 |
| Pretax return on assets | 0.0096% | 5,421 |
| Return on Equity (ROE) | 0.1655% | 5,482 |
| Retained earnings to average equity (ytd only) | 0.1655% | 4,811 |
| Net charge-offs to loans | 0.0414% | 6,698 |
| Credit loss provision to net charge-offs | 371.8750% | 858 |
| Earnings coverage of net charge-offs (x) | -13.5000% | 7,172 |
| Efficiency ratio | 114.4918% | 700 |
| Assets per employee ($millions) | 6.2623% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 5,766 |
| Loan loss allowance to noncurrent loans | 53.4829% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 1.5028% | 4,128 |
| Noncurrent loans to loans | 2.1069% | 3,506 |
| Net loans and leases to total assets | 70.5246% | 3,123 |
| Net loans and leases to deposits | 86.4811% | 2,825 |
| Net loans and leases to core deposits | 120.4485% | 1,916 |
| Total domestic deposits to total assets | 81.5491% | 5,135 |
| Equity capital to assets | 5.8152% | 7,688 |
| Core capital (leverage) ratio | 5.5836% | 7,697 |
| Tier 1 risk-based capital ratio | 9.0463% | 7,452 |
| Total risk-based capital ratio | 10.2968% | 7,470 |
| Memoranda: | ||
| Average total assets | $114,047,200 | 4,726 |
| Average earning assets | $100,957,000 | 4,811 |
| Average equity | $6,645,600 | 6,381 |
| Average total loans | $77,258,800 | 4,613 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7357% | 3,160 |
| Cost of funding earning assets | 3.2770% | 149 |
| Net interest margin | 2.4587% | 7,503 |
| Noninterest income to average assets | 0.2157% | 6,690 |
| Noninterest expense to average assets | 2.9422% | 4,265 |
| Loan and lease loss provision to assets | 0.1271% | 6,077 |
| Net operating income to assets | -0.7064% | 6,611 |
| Return on assets (ROA) | -0.1154% | 5,944 |
| Pretax return on assets | -0.1154% | 5,864 |
| Return on Equity (ROE) | -1.9795% | 6,098 |
| Retained earnings to average equity (ytd only) | -1.9795% | 5,722 |
| Net charge-offs to loans | 0.0558% | 6,151 |
| Credit loss provision to net charge-offs | 340.6250% | 1,201 |
| Earnings coverage of net charge-offs (x) | -15.5296% | 6,929 |
| Efficiency ratio | 124.5190% | 535 |
| Assets per employee ($millions) | 6.0982% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 5,270 |
| Loan loss allowance to noncurrent loans | 189.1170% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.8582% | 5,375 |
| Noncurrent loans to loans | 0.6211% | 6,062 |
| Net loans and leases to total assets | 70.5950% | 3,363 |
| Net loans and leases to deposits | 87.2134% | 3,105 |
| Net loans and leases to core deposits | 120.4233% | 2,210 |
| Total domestic deposits to total assets | 80.9451% | 5,100 |
| Equity capital to assets | 6.0091% | 7,859 |
| Core capital (leverage) ratio | 5.3270% | 7,897 |
| Tier 1 risk-based capital ratio | 8.7821% | 7,686 |
| Total risk-based capital ratio | 10.0329% | 7,720 |
| Memoranda: | ||
| Average total assets | $114,378,750 | 4,734 |
| Average earning assets | $99,887,000 | 4,865 |
| Average equity | $6,668,250 | 6,426 |
| Average total loans | $76,473,000 | 4,675 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8262% | 2,922 |
| Cost of funding earning assets | 3.5653% | 89 |
| Net interest margin | 2.2609% | 7,706 |
| Noninterest income to average assets | 0.2467% | 6,518 |
| Noninterest expense to average assets | 2.9694% | 4,209 |
| Loan and lease loss provision to assets | 0.1501% | 5,570 |
| Net operating income to assets | -0.9438% | 6,927 |
| Return on assets (ROA) | -0.1743% | 6,168 |
| Pretax return on assets | -0.1743% | 6,093 |
| Return on Equity (ROE) | -3.0184% | 6,363 |
| Retained earnings to average equity (ytd only) | -3.0184% | 5,977 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.4790% | 467 |
| Assets per employee ($millions) | 6.1081% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 4,894 |
| Loan loss allowance to noncurrent loans | 77.7129% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.4243% | 4,114 |
| Noncurrent loans to loans | 1.5515% | 4,169 |
| Net loans and leases to total assets | 65.7341% | 4,623 |
| Net loans and leases to deposits | 79.9721% | 4,551 |
| Net loans and leases to core deposits | 98.5709% | 4,643 |
| Total domestic deposits to total assets | 82.1962% | 4,609 |
| Equity capital to assets | 5.4552% | 8,007 |
| Core capital (leverage) ratio | 4.9707% | 8,031 |
| Tier 1 risk-based capital ratio | 8.8543% | 7,771 |
| Total risk-based capital ratio | 10.1054% | 7,805 |
| Memoranda: | ||
| Average total assets | $115,916,000 | 4,732 |
| Average earning assets | $98,898,000 | 4,924 |
| Average equity | $6,692,330 | 6,471 |
| Average total loans | $75,827,000 | 4,743 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8444% | 3,060 |
| Cost of funding earning assets | 3.6432% | 100 |
| Net interest margin | 2.2013% | 7,795 |
| Noninterest income to average assets | 0.3453% | 5,686 |
| Noninterest expense to average assets | 2.9349% | 4,035 |
| Loan and lease loss provision to assets | 0.1899% | 4,540 |
| Net operating income to assets | -0.8977% | 7,192 |
| Return on assets (ROA) | 0.1416% | 6,023 |
| Pretax return on assets | 0.1416% | 6,073 |
| Return on Equity (ROE) | 2.3861% | 5,628 |
| Retained earnings to average equity (ytd only) | 2.3861% | 4,549 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.7829% | 487 |
| Assets per employee ($millions) | 6.4003% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 4,887 |
| Loan loss allowance to noncurrent loans | 70.9550% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.4161% | 3,817 |
| Noncurrent loans to loans | 1.6725% | 3,756 |
| Net loans and leases to total assets | 61.5583% | 5,408 |
| Net loans and leases to deposits | 75.6937% | 5,259 |
| Net loans and leases to core deposits | 93.3485% | 5,225 |
| Total domestic deposits to total assets | 81.3256% | 4,823 |
| Equity capital to assets | 5.6075% | 8,057 |
| Core capital (leverage) ratio | 5.2179% | 8,112 |
| Tier 1 risk-based capital ratio | 8.9559% | 7,816 |
| Total risk-based capital ratio | 10.2067% | 7,853 |
| Memoranda: | ||
| Average total assets | $115,847,000 | 4,756 |
| Average earning assets | $99,034,500 | 4,941 |
| Average equity | $6,873,000 | 6,449 |
| Average total loans | $75,131,500 | 4,803 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0946% | 5,071 |
| Cost of funding earning assets | 3.5128% | 495 |
| Net interest margin | 2.5818% | 7,662 |
| Noninterest income to average assets | 0.1752% | 7,177 |
| Noninterest expense to average assets | 3.2230% | 3,246 |
| Loan and lease loss provision to assets | 0.2158% | 4,727 |
| Net operating income to assets | -0.8519% | 7,166 |
| Return on assets (ROA) | -0.8289% | 7,062 |
| Pretax return on assets | -0.8289% | 6,897 |
| Return on Equity (ROE) | -12.3739% | 7,452 |
| Retained earnings to average equity (ytd only) | -12.3739% | 7,275 |
| Net charge-offs to loans | 0.1678% | 4,518 |
| Credit loss provision to net charge-offs | 181.5789% | 2,762 |
| Earnings coverage of net charge-offs (x) | -5.3509% | 6,841 |
| Efficiency ratio | 124.5869% | 521 |
| Assets per employee ($millions) | 4.7865% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 5,046 |
| Loan loss allowance to noncurrent loans | 66.3257% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 1.5678% | 3,104 |
| Noncurrent loans to loans | 1.7059% | 3,215 |
| Net loans and leases to total assets | 66.9122% | 4,654 |
| Net loans and leases to deposits | 84.5176% | 4,335 |
| Net loans and leases to core deposits | 94.8862% | 5,366 |
| Total domestic deposits to total assets | 79.1696% | 5,310 |
| Equity capital to assets | 6.2922% | 7,996 |
| Core capital (leverage) ratio | 5.8921% | 8,110 |
| Tier 1 risk-based capital ratio | 8.9211% | 7,832 |
| Total risk-based capital ratio | 10.1579% | 7,866 |
| Memoranda: | ||
| Average total assets | $95,905,000 | 5,175 |
| Average earning assets | $89,587,600 | 5,098 |
| Average equity | $6,424,800 | 6,670 |
| Average total loans | $67,938,600 | 4,949 |