Home > Americantrust Federal Savings Bank > Performance and Condition Ratios
Americantrust Federal Savings Bank, Performance and Condition Ratios
| 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 | 5.5494% | 1,059 |
| Cost of funding earning assets | 1.5977% | 482 |
| Net interest margin | 3.9517% | 3,096 |
| Noninterest income to average assets | 0.2293% | 5,893 |
| Noninterest expense to average assets | 3.2740% | 2,606 |
| Loan and lease loss provision to assets | 1.4782% | 506 |
| Net operating income to assets | -0.6644% | 6,587 |
| Return on assets (ROA) | -0.6372% | 6,611 |
| Pretax return on assets | -1.0825% | 6,768 |
| Return on Equity (ROE) | -7.2916% | 6,649 |
| Retained earnings to average equity (ytd only) | -7.2916% | 6,590 |
| Net charge-offs to loans | 2.3711% | 516 |
| Credit loss provision to net charge-offs | 81.2605% | 4,394 |
| Earnings coverage of net charge-offs (x) | 0.1941% | 5,689 |
| Efficiency ratio | 90.0420% | 1,190 |
| Assets per employee ($millions) | 4.3174% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1175% | 5,753 |
| Loan loss allowance to noncurrent loans | 36.9203% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 2.6707% | 2,279 |
| Noncurrent loans to loans | 3.0267% | 2,147 |
| Net loans and leases to total assets | 73.0708% | 1,442 |
| Net loans and leases to deposits | 82.9437% | 2,076 |
| Net loans and leases to core deposits | 90.2319% | 2,095 |
| Total domestic deposits to total assets | 88.0968% | 2,094 |
| Equity capital to assets | 8.5337% | 6,103 |
| Core capital (leverage) ratio | 8.5337% | 5,509 |
| Tier 1 risk-based capital ratio | 11.3646% | 6,249 |
| Total risk-based capital ratio | 12.4643% | 6,314 |
| Memoranda: | ||
| Average total assets | $98,563,800 | 4,930 |
| Average earning assets | $84,747,800 | 5,096 |
| Average equity | $8,612,600 | 5,380 |
| Average total loans | $75,619,200 | 4,292 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6517% | 930 |
| Cost of funding earning assets | 1.6213% | 530 |
| Net interest margin | 4.0304% | 2,777 |
| Noninterest income to average assets | 0.2846% | 5,573 |
| Noninterest expense to average assets | 3.3692% | 2,283 |
| Loan and lease loss provision to assets | 1.6033% | 405 |
| Net operating income to assets | -0.7401% | 6,773 |
| Return on assets (ROA) | -0.6993% | 6,787 |
| Pretax return on assets | -1.1709% | 6,928 |
| Return on Equity (ROE) | -7.9561% | 6,809 |
| Retained earnings to average equity (ytd only) | -7.9561% | 6,761 |
| Net charge-offs to loans | 2.6796% | 392 |
| Credit loss provision to net charge-offs | 77.2698% | 4,235 |
| Earnings coverage of net charge-offs (x) | 0.1777% | 5,467 |
| Efficiency ratio | 89.9202% | 1,168 |
| Assets per employee ($millions) | 3.5000% | 4,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0758% | 5,970 |
| Loan loss allowance to noncurrent loans | 30.3645% | 6,229 |
| Noncurrent assets plus other real estate owned to assets | 3.5633% | 1,763 |
| Noncurrent loans to loans | 3.5429% | 1,939 |
| Net loans and leases to total assets | 75.8171% | 1,004 |
| Net loans and leases to deposits | 86.3441% | 1,640 |
| Net loans and leases to core deposits | 94.0649% | 1,788 |
| Total domestic deposits to total assets | 87.8080% | 2,162 |
| Equity capital to assets | 8.7634% | 6,020 |
| Core capital (leverage) ratio | 8.7616% | 5,321 |
| Tier 1 risk-based capital ratio | 11.2892% | 6,371 |
| Total risk-based capital ratio | 12.3516% | 6,466 |
| Memoranda: | ||
| Average total assets | $98,379,500 | 4,971 |
| Average earning assets | $84,290,500 | 5,150 |
| Average equity | $8,647,250 | 5,400 |
| Average total loans | $76,179,000 | 4,310 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7266% | 836 |
| Cost of funding earning assets | 1.6406% | 586 |
| Net interest margin | 4.0860% | 2,464 |
| Noninterest income to average assets | -0.0081% | 7,207 |
| Noninterest expense to average assets | 3.3886% | 2,294 |
| Loan and lease loss provision to assets | 2.4019% | 220 |
| Net operating income to assets | -1.4557% | 7,082 |
| Return on assets (ROA) | -1.3908% | 7,076 |
| Pretax return on assets | -2.2029% | 7,202 |
| Return on Equity (ROE) | -15.8071% | 7,080 |
| Retained earnings to average equity (ytd only) | -15.8071% | 7,055 |
| Net charge-offs to loans | 3.5800% | 247 |
| Credit loss provision to net charge-offs | 86.3504% | 3,575 |
| Earnings coverage of net charge-offs (x) | 0.0350% | 5,260 |
| Efficiency ratio | 96.9715% | 836 |
| Assets per employee ($millions) | 3.2412% | 5,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 5,179 |
| Loan loss allowance to noncurrent loans | 25.9507% | 6,480 |
| Noncurrent assets plus other real estate owned to assets | 4.7277% | 1,318 |
| Noncurrent loans to loans | 4.9057% | 1,344 |
| Net loans and leases to total assets | 77.2821% | 870 |
| Net loans and leases to deposits | 87.9374% | 1,508 |
| Net loans and leases to core deposits | 96.2251% | 1,657 |
| Total domestic deposits to total assets | 87.8831% | 2,223 |
| Equity capital to assets | 8.6676% | 5,981 |
| Core capital (leverage) ratio | 8.6587% | 5,284 |
| Tier 1 risk-based capital ratio | 11.0006% | 6,533 |
| Total risk-based capital ratio | 12.2512% | 6,513 |
| Memoranda: | ||
| Average total assets | $98,506,330 | 5,004 |
| Average earning assets | $84,239,000 | 5,188 |
| Average equity | $8,667,000 | 5,415 |
| Average total loans | $76,536,000 | 4,328 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8742% | 632 |
| Cost of funding earning assets | 1.6743% | 622 |
| Net interest margin | 4.1999% | 1,891 |
| Noninterest income to average assets | 0.1049% | 6,886 |
| Noninterest expense to average assets | 3.4093% | 2,257 |
| Loan and lease loss provision to assets | 4.4381% | 84 |
| Net operating income to assets | -2.6742% | 7,369 |
| Return on assets (ROA) | -2.6225% | 7,357 |
| Pretax return on assets | -4.0790% | 7,440 |
| Return on Equity (ROE) | -29.5908% | 7,314 |
| Retained earnings to average equity (ytd only) | -29.5908% | 7,286 |
| Net charge-offs to loans | 6.6088% | 92 |
| Credit loss provision to net charge-offs | 86.7508% | 3,000 |
| Earnings coverage of net charge-offs (x) | 0.0544% | 4,549 |
| Efficiency ratio | 92.2319% | 1,147 |
| Assets per employee ($millions) | 3.0436% | 6,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 5,107 |
| Loan loss allowance to noncurrent loans | 27.3105% | 6,451 |
| Noncurrent assets plus other real estate owned to assets | 4.7846% | 1,332 |
| Noncurrent loans to loans | 4.7773% | 1,435 |
| Net loans and leases to total assets | 76.6590% | 933 |
| Net loans and leases to deposits | 87.2423% | 1,560 |
| Net loans and leases to core deposits | 95.4879% | 1,715 |
| Total domestic deposits to total assets | 87.8690% | 2,449 |
| Equity capital to assets | 8.7007% | 5,657 |
| Core capital (leverage) ratio | 8.6822% | 5,115 |
| Tier 1 risk-based capital ratio | 11.0289% | 6,494 |
| Total risk-based capital ratio | 12.2788% | 6,473 |
| Memoranda: | ||
| Average total assets | $99,141,500 | 5,023 |
| Average earning assets | $84,572,500 | 5,205 |
| Average equity | $8,786,500 | 5,387 |
| Average total loans | $76,746,500 | 4,366 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7373% | 1,445 |
| Cost of funding earning assets | 2.3700% | 169 |
| Net interest margin | 3.3673% | 5,740 |
| Noninterest income to average assets | 0.2710% | 5,846 |
| Noninterest expense to average assets | 2.9960% | 3,862 |
| Loan and lease loss provision to assets | 1.5391% | 954 |
| Net operating income to assets | -0.7512% | 6,552 |
| Return on assets (ROA) | -0.7244% | 6,566 |
| Pretax return on assets | -1.2927% | 6,774 |
| Return on Equity (ROE) | -8.5463% | 6,651 |
| Retained earnings to average equity (ytd only) | -8.5463% | 6,567 |
| Net charge-offs to loans | 1.0954% | 2,035 |
| Credit loss provision to net charge-offs | 190.8371% | 1,687 |
| Earnings coverage of net charge-offs (x) | 0.2534% | 5,856 |
| Efficiency ratio | 92.9019% | 1,125 |
| Assets per employee ($millions) | 3.1528% | 5,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4850% | 4,093 |
| Loan loss allowance to noncurrent loans | 46.8206% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 4.0689% | 1,666 |
| Noncurrent loans to loans | 3.1717% | 2,397 |
| Net loans and leases to total assets | 76.0130% | 1,269 |
| Net loans and leases to deposits | 89.8333% | 1,550 |
| Net loans and leases to core deposits | 97.9613% | 1,804 |
| Total domestic deposits to total assets | 84.6156% | 4,050 |
| Equity capital to assets | 9.0189% | 5,115 |
| Core capital (leverage) ratio | 9.0223% | 4,504 |
| Tier 1 risk-based capital ratio | 11.5364% | 5,873 |
| Total risk-based capital ratio | 12.7885% | 5,880 |
| Memoranda: | ||
| Average total assets | $109,613,000 | 4,725 |
| Average earning assets | $95,358,400 | 4,854 |
| Average equity | $9,290,600 | 5,330 |
| Average total loans | $80,703,000 | 4,321 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7461% | 1,562 |
| Cost of funding earning assets | 2.4841% | 149 |
| Net interest margin | 3.2621% | 6,136 |
| Noninterest income to average assets | 0.2588% | 6,049 |
| Noninterest expense to average assets | 2.9554% | 3,909 |
| Loan and lease loss provision to assets | 1.9404% | 623 |
| Net operating income to assets | -1.0214% | 6,914 |
| Return on assets (ROA) | -0.9947% | 6,946 |
| Pretax return on assets | -1.7448% | 7,118 |
| Return on Equity (ROE) | -11.9074% | 7,010 |
| Retained earnings to average equity (ytd only) | -11.9074% | 6,972 |
| Net charge-offs to loans | 0.9957% | 2,011 |
| Credit loss provision to net charge-offs | 267.5987% | 1,231 |
| Earnings coverage of net charge-offs (x) | 0.2122% | 5,800 |
| Efficiency ratio | 94.1695% | 994 |
| Assets per employee ($millions) | 3.2757% | 5,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 3,059 |
| Loan loss allowance to noncurrent loans | 40.9430% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 3.9763% | 1,763 |
| Noncurrent loans to loans | 4.2285% | 1,725 |
| Net loans and leases to total assets | 74.2936% | 1,739 |
| Net loans and leases to deposits | 90.3151% | 1,680 |
| Net loans and leases to core deposits | 98.8437% | 1,952 |
| Total domestic deposits to total assets | 82.2604% | 4,886 |
| Equity capital to assets | 8.7329% | 5,962 |
| Core capital (leverage) ratio | 8.6593% | 5,259 |
| Tier 1 risk-based capital ratio | 11.5056% | 5,930 |
| Total risk-based capital ratio | 12.7623% | 5,907 |
| Memoranda: | ||
| Average total assets | $111,794,250 | 4,719 |
| Average earning assets | $97,686,250 | 4,847 |
| Average equity | $9,338,500 | 5,397 |
| Average total loans | $81,417,750 | 4,371 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7337% | 1,625 |
| Cost of funding earning assets | 2.6990% | 92 |
| Net interest margin | 3.0347% | 6,757 |
| Noninterest income to average assets | 0.1542% | 6,782 |
| Noninterest expense to average assets | 2.9829% | 3,766 |
| Loan and lease loss provision to assets | 2.5097% | 451 |
| Net operating income to assets | -1.5500% | 7,167 |
| Return on assets (ROA) | -1.5107% | 7,164 |
| Pretax return on assets | -2.6148% | 7,391 |
| Return on Equity (ROE) | -18.3404% | 7,235 |
| Retained earnings to average equity (ytd only) | -18.3404% | 7,208 |
| Net charge-offs to loans | 1.3684% | 1,393 |
| Credit loss provision to net charge-offs | 254.8043% | 1,500 |
| Earnings coverage of net charge-offs (x) | -0.1690% | 5,854 |
| Efficiency ratio | 104.6049% | 666 |
| Assets per employee ($millions) | 3.3735% | 5,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5119% | 3,858 |
| Loan loss allowance to noncurrent loans | 39.2490% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 3.8192% | 1,818 |
| Noncurrent loans to loans | 3.8521% | 1,989 |
| Net loans and leases to total assets | 76.1805% | 1,462 |
| Net loans and leases to deposits | 92.5242% | 1,455 |
| Net loans and leases to core deposits | 101.2647% | 1,896 |
| Total domestic deposits to total assets | 82.3357% | 4,855 |
| Equity capital to assets | 8.6921% | 5,895 |
| Core capital (leverage) ratio | 8.6471% | 5,160 |
| Tier 1 risk-based capital ratio | 10.9775% | 6,256 |
| Total risk-based capital ratio | 12.2277% | 6,249 |
| Memoranda: | ||
| Average total assets | $114,118,330 | 4,700 |
| Average earning assets | $100,110,330 | 4,804 |
| Average equity | $9,400,000 | 5,378 |
| Average total loans | $82,141,000 | 4,380 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4568% | 2,796 |
| Cost of funding earning assets | 2.7075% | 116 |
| Net interest margin | 2.7494% | 7,248 |
| Noninterest income to average assets | 0.1649% | 6,788 |
| Noninterest expense to average assets | 2.6580% | 5,109 |
| Loan and lease loss provision to assets | 3.8052% | 237 |
| Net operating income to assets | -2.2394% | 7,510 |
| Return on assets (ROA) | -2.2071% | 7,511 |
| Pretax return on assets | -3.8187% | 7,676 |
| Return on Equity (ROE) | -27.4621% | 7,538 |
| Retained earnings to average equity (ytd only) | -27.4621% | 7,502 |
| Net charge-offs to loans | 1.4644% | 1,179 |
| Credit loss provision to net charge-offs | 373.2673% | 1,094 |
| Earnings coverage of net charge-offs (x) | -0.0627% | 5,074 |
| Efficiency ratio | 100.7782% | 813 |
| Assets per employee ($millions) | 3.5979% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 4,257 |
| Loan loss allowance to noncurrent loans | 26.0198% | 6,673 |
| Noncurrent assets plus other real estate owned to assets | 4.6285% | 1,446 |
| Noncurrent loans to loans | 5.5002% | 1,273 |
| Net loans and leases to total assets | 70.5882% | 2,786 |
| Net loans and leases to deposits | 95.0494% | 1,225 |
| Net loans and leases to core deposits | 102.2380% | 1,878 |
| Total domestic deposits to total assets | 74.2648% | 7,013 |
| Equity capital to assets | 8.0489% | 6,600 |
| Core capital (leverage) ratio | 8.0260% | 6,197 |
| Tier 1 risk-based capital ratio | 11.2138% | 5,942 |
| Total risk-based capital ratio | 12.4642% | 5,896 |
| Memoranda: | ||
| Average total assets | $118,888,500 | 4,661 |
| Average earning assets | $105,043,000 | 4,735 |
| Average equity | $9,555,000 | 5,360 |
| Average total loans | $82,766,000 | 4,416 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8737% | 2,358 |
| Cost of funding earning assets | 2.8016% | 443 |
| Net interest margin | 3.0721% | 6,462 |
| Noninterest income to average assets | 0.3797% | 5,377 |
| Noninterest expense to average assets | 3.1094% | 3,692 |
| Loan and lease loss provision to assets | 0.8897% | 2,520 |
| Net operating income to assets | -0.4192% | 6,099 |
| Return on assets (ROA) | -0.2772% | 5,938 |
| Pretax return on assets | -0.6587% | 6,145 |
| Return on Equity (ROE) | -3.3305% | 6,031 |
| Retained earnings to average equity (ytd only) | -3.3305% | 5,757 |
| Net charge-offs to loans | 1.0562% | 2,298 |
| Credit loss provision to net charge-offs | 118.5890% | 4,543 |
| Earnings coverage of net charge-offs (x) | 0.0123% | 6,180 |
| Efficiency ratio | 97.3869% | 1,248 |
| Assets per employee ($millions) | 3.9562% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4249% | 7,740 |
| Loan loss allowance to noncurrent loans | 8.8140% | 7,382 |
| Noncurrent assets plus other real estate owned to assets | 3.8893% | 1,711 |
| Noncurrent loans to loans | 4.8206% | 1,426 |
| Net loans and leases to total assets | 67.4543% | 3,823 |
| Net loans and leases to deposits | 91.4617% | 1,973 |
| Net loans and leases to core deposits | 102.9365% | 3,695 |
| Total domestic deposits to total assets | 73.7515% | 7,052 |
| Equity capital to assets | 8.0257% | 6,554 |
| Core capital (leverage) ratio | 8.0525% | 6,081 |
| Tier 1 risk-based capital ratio | 11.7852% | 5,120 |
| Total risk-based capital ratio | 12.2062% | 5,928 |
| Memoranda: | ||
| Average total assets | $119,026,200 | 4,603 |
| Average earning assets | $106,117,400 | 4,676 |
| Average equity | $9,908,400 | 5,320 |
| Average total loans | $84,547,000 | 4,368 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0431% | 1,865 |
| Cost of funding earning assets | 2.8209% | 569 |
| Net interest margin | 3.2221% | 5,941 |
| Noninterest income to average assets | 0.5079% | 4,420 |
| Noninterest expense to average assets | 3.2745% | 3,013 |
| Loan and lease loss provision to assets | 0.9165% | 2,090 |
| Net operating income to assets | -0.3418% | 6,256 |
| Return on assets (ROA) | -0.2653% | 6,166 |
| Pretax return on assets | -0.6897% | 6,474 |
| Return on Equity (ROE) | -3.1571% | 6,265 |
| Retained earnings to average equity (ytd only) | -3.1571% | 5,966 |
| Net charge-offs to loans | 1.1996% | 1,695 |
| Credit loss provision to net charge-offs | 106.2827% | 4,789 |
| Earnings coverage of net charge-offs (x) | 0.1243% | 5,908 |
| Efficiency ratio | 94.4927% | 1,369 |
| Assets per employee ($millions) | 4.0226% | 3,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3093% | 7,903 |
| Loan loss allowance to noncurrent loans | 7.8139% | 7,482 |
| Noncurrent assets plus other real estate owned to assets | 3.1837% | 2,130 |
| Noncurrent loans to loans | 3.9584% | 1,858 |
| Net loans and leases to total assets | 69.9738% | 3,522 |
| Net loans and leases to deposits | 95.8730% | 1,595 |
| Net loans and leases to core deposits | 107.5543% | 3,527 |
| Total domestic deposits to total assets | 72.9860% | 7,089 |
| Equity capital to assets | 8.3362% | 6,460 |
| Core capital (leverage) ratio | 8.2655% | 5,891 |
| Tier 1 risk-based capital ratio | 11.7910% | 5,160 |
| Total risk-based capital ratio | 12.1010% | 6,060 |
| Memoranda: | ||
| Average total assets | $118,122,000 | 4,649 |
| Average earning assets | $105,352,250 | 4,726 |
| Average equity | $9,924,750 | 5,353 |
| Average total loans | $84,913,500 | 4,399 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0169% | 2,121 |
| Cost of funding earning assets | 2.8392% | 713 |
| Net interest margin | 3.1778% | 5,991 |
| Noninterest income to average assets | 0.4588% | 4,790 |
| Noninterest expense to average assets | 3.5235% | 2,271 |
| Loan and lease loss provision to assets | 0.8561% | 1,962 |
| Net operating income to assets | -0.4781% | 6,529 |
| Return on assets (ROA) | -0.3820% | 6,438 |
| Pretax return on assets | -0.9380% | 6,772 |
| Return on Equity (ROE) | -4.5346% | 6,557 |
| Retained earnings to average equity (ytd only) | -4.5346% | 6,229 |
| Net charge-offs to loans | 1.4403% | 1,312 |
| Credit loss provision to net charge-offs | 82.0261% | 5,140 |
| Earnings coverage of net charge-offs (x) | -0.2222% | 5,901 |
| Efficiency ratio | 104.3005% | 1,019 |
| Assets per employee ($millions) | 3.8989% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 6,612 |
| Loan loss allowance to noncurrent loans | 20.6093% | 7,090 |
| Noncurrent assets plus other real estate owned to assets | 3.8421% | 1,578 |
| Noncurrent loans to loans | 4.5497% | 1,413 |
| Net loans and leases to total assets | 72.7094% | 3,034 |
| Net loans and leases to deposits | 100.7750% | 1,203 |
| Net loans and leases to core deposits | 113.9843% | 2,910 |
| Total domestic deposits to total assets | 72.1503% | 7,224 |
| Equity capital to assets | 8.5186% | 6,018 |
| Core capital (leverage) ratio | 8.5106% | 5,429 |
| Tier 1 risk-based capital ratio | 11.5963% | 5,291 |
| Total risk-based capital ratio | 12.5339% | 5,515 |
| Memoranda: | ||
| Average total assets | $117,270,000 | 4,705 |
| Average earning assets | $104,538,330 | 4,770 |
| Average equity | $9,879,670 | 5,394 |
| Average total loans | $84,983,000 | 4,429 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2857% | 1,340 |
| Cost of funding earning assets | 2.8641% | 842 |
| Net interest margin | 3.4216% | 5,045 |
| Noninterest income to average assets | 0.2861% | 6,150 |
| Noninterest expense to average assets | 3.3622% | 2,464 |
| Loan and lease loss provision to assets | 0.9266% | 1,396 |
| Net operating income to assets | -0.5279% | 6,903 |
| Return on assets (ROA) | -0.3338% | 6,797 |
| Pretax return on assets | -0.6472% | 6,931 |
| Return on Equity (ROE) | -3.9848% | 6,892 |
| Retained earnings to average equity (ytd only) | -3.9848% | 6,426 |
| Net charge-offs to loans | 0.9604% | 1,392 |
| Credit loss provision to net charge-offs | 133.9901% | 3,018 |
| Earnings coverage of net charge-offs (x) | -0.0345% | 5,010 |
| Efficiency ratio | 97.3469% | 1,249 |
| Assets per employee ($millions) | 4.0514% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 5,060 |
| Loan loss allowance to noncurrent loans | 35.2836% | 6,199 |
| Noncurrent assets plus other real estate owned to assets | 2.8079% | 2,025 |
| Noncurrent loans to loans | 3.2857% | 1,946 |
| Net loans and leases to total assets | 71.3329% | 3,392 |
| Net loans and leases to deposits | 98.5420% | 1,591 |
| Net loans and leases to core deposits | 111.5282% | 3,257 |
| Total domestic deposits to total assets | 72.3883% | 7,154 |
| Equity capital to assets | 8.4484% | 6,154 |
| Core capital (leverage) ratio | 8.5460% | 5,437 |
| Tier 1 risk-based capital ratio | 11.6696% | 5,234 |
| Total risk-based capital ratio | 12.8095% | 5,251 |
| Memoranda: | ||
| Average total assets | $117,421,500 | 4,719 |
| Average earning assets | $104,745,000 | 4,780 |
| Average equity | $9,837,500 | 5,439 |
| Average total loans | $84,549,000 | 4,476 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5123% | 2,897 |
| Cost of funding earning assets | 3.2950% | 943 |
| Net interest margin | 3.2173% | 6,318 |
| Noninterest income to average assets | 0.3208% | 6,161 |
| Noninterest expense to average assets | 2.5267% | 5,901 |
| Loan and lease loss provision to assets | 0.2179% | 4,709 |
| Net operating income to assets | 0.3473% | 5,365 |
| Return on assets (ROA) | 0.5322% | 4,458 |
| Pretax return on assets | 0.7251% | 4,313 |
| Return on Equity (ROE) | 6.9235% | 3,572 |
| Retained earnings to average equity (ytd only) | 6.9235% | 1,179 |
| Net charge-offs to loans | 0.1772% | 4,434 |
| Credit loss provision to net charge-offs | 174.8387% | 2,911 |
| Earnings coverage of net charge-offs (x) | 5.5355% | 3,614 |
| Efficiency ratio | 75.8310% | 3,260 |
| Assets per employee ($millions) | 4.0467% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 5,385 |
| Loan loss allowance to noncurrent loans | 40.5681% | 6,019 |
| Noncurrent assets plus other real estate owned to assets | 2.4396% | 1,987 |
| Noncurrent loans to loans | 2.6724% | 2,030 |
| Net loans and leases to total assets | 71.0608% | 3,775 |
| Net loans and leases to deposits | 98.3118% | 2,084 |
| Net loans and leases to core deposits | 110.0725% | 3,775 |
| Total domestic deposits to total assets | 72.2811% | 6,947 |
| Equity capital to assets | 8.3074% | 6,411 |
| Core capital (leverage) ratio | 8.5804% | 5,426 |
| Tier 1 risk-based capital ratio | 11.2157% | 5,522 |
| Total risk-based capital ratio | 12.2277% | 5,652 |
| Memoranda: | ||
| Average total assets | $124,390,200 | 4,408 |
| Average earning assets | $111,956,600 | 4,477 |
| Average equity | $9,561,600 | 5,550 |
| Average total loans | $87,493,400 | 4,301 |