Home > AmericaUnited Bank and Trust Company USA > Performance and Condition Ratios
AmericaUnited Bank and Trust Company USA, 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 | 4.5767% | 4,966 |
| Cost of funding earning assets | 0.7593% | 5,406 |
| Net interest margin | 3.8175% | 3,781 |
| Noninterest income to average assets | 0.2289% | 5,979 |
| Noninterest expense to average assets | 3.3603% | 2,312 |
| Loan and lease loss provision to assets | 0.9246% | 956 |
| Net operating income to assets | -0.5086% | 6,642 |
| Return on assets (ROA) | -0.5086% | 6,687 |
| Pretax return on assets | -0.5923% | 6,673 |
| Return on Equity (ROE) | -4.7783% | 6,670 |
| Retained earnings to average equity (ytd only) | -4.7783% | 6,583 |
| Net charge-offs to loans | 2.3300% | 500 |
| Credit loss provision to net charge-offs | 53.5525% | 4,956 |
| Earnings coverage of net charge-offs (x) | 0.1925% | 5,451 |
| Efficiency ratio | 86.6989% | 1,460 |
| Assets per employee ($millions) | 4.1552% | 3,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1451% | 766 |
| Loan loss allowance to noncurrent loans | 31.2478% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 10.2002% | 345 |
| Noncurrent loans to loans | 10.0649% | 355 |
| Net loans and leases to total assets | 68.9697% | 2,284 |
| Net loans and leases to deposits | 78.1893% | 2,946 |
| Net loans and leases to core deposits | 80.8068% | 3,512 |
| Total domestic deposits to total assets | 88.2086% | 1,920 |
| Equity capital to assets | 10.7513% | 3,421 |
| Core capital (leverage) ratio | 10.0248% | 3,405 |
| Tier 1 risk-based capital ratio | 14.4496% | 4,013 |
| Total risk-based capital ratio | 15.7242% | 3,966 |
| Memoranda: | ||
| Average total assets | $291,277,250 | 2,201 |
| Average earning assets | $264,287,500 | 2,218 |
| Average equity | $31,000,500 | 2,138 |
| Average total loans | $215,845,500 | 1,920 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5592% | 5,139 |
| Cost of funding earning assets | 0.8199% | 5,244 |
| Net interest margin | 3.7393% | 4,084 |
| Noninterest income to average assets | 0.3644% | 4,963 |
| Noninterest expense to average assets | 3.3387% | 2,435 |
| Loan and lease loss provision to assets | 1.0334% | 830 |
| Net operating income to assets | -0.4820% | 6,673 |
| Return on assets (ROA) | -0.4820% | 6,701 |
| Pretax return on assets | -0.6064% | 6,708 |
| Return on Equity (ROE) | -4.5437% | 6,684 |
| Retained earnings to average equity (ytd only) | -4.5437% | 6,528 |
| Net charge-offs to loans | 2.5842% | 440 |
| Credit loss provision to net charge-offs | 53.2959% | 4,504 |
| Earnings coverage of net charge-offs (x) | 0.2202% | 5,142 |
| Efficiency ratio | 84.4918% | 1,761 |
| Assets per employee ($millions) | 4.1963% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1550% | 792 |
| Loan loss allowance to noncurrent loans | 28.7491% | 6,339 |
| Noncurrent assets plus other real estate owned to assets | 10.7199% | 338 |
| Noncurrent loans to loans | 10.9744% | 320 |
| Net loans and leases to total assets | 72.5890% | 1,666 |
| Net loans and leases to deposits | 82.4695% | 2,375 |
| Net loans and leases to core deposits | 88.5721% | 2,554 |
| Total domestic deposits to total assets | 88.0192% | 2,121 |
| Equity capital to assets | 10.7805% | 3,194 |
| Core capital (leverage) ratio | 9.9296% | 3,349 |
| Tier 1 risk-based capital ratio | 13.6805% | 4,396 |
| Total risk-based capital ratio | 14.9551% | 4,354 |
| Memoranda: | ||
| Average total assets | $294,185,330 | 2,183 |
| Average earning assets | $267,588,330 | 2,199 |
| Average equity | $31,208,000 | 2,115 |
| Average total loans | $220,726,000 | 1,904 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5040% | 5,324 |
| Cost of funding earning assets | 0.8762% | 5,085 |
| Net interest margin | 3.6279% | 4,445 |
| Noninterest income to average assets | 0.3523% | 5,080 |
| Noninterest expense to average assets | 3.0770% | 3,350 |
| Loan and lease loss provision to assets | 2.0361% | 272 |
| Net operating income to assets | -1.4494% | 7,183 |
| Return on assets (ROA) | -1.4494% | 7,187 |
| Pretax return on assets | -1.4494% | 7,142 |
| Return on Equity (ROE) | -13.7698% | 7,122 |
| Retained earnings to average equity (ytd only) | -13.7698% | 7,004 |
| Net charge-offs to loans | 4.7201% | 168 |
| Credit loss provision to net charge-offs | 57.4669% | 3,591 |
| Earnings coverage of net charge-offs (x) | 0.1656% | 4,482 |
| Efficiency ratio | 79.7441% | 2,576 |
| Assets per employee ($millions) | 4.5229% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1541% | 799 |
| Loan loss allowance to noncurrent loans | 27.9823% | 6,410 |
| Noncurrent assets plus other real estate owned to assets | 10.4934% | 375 |
| Noncurrent loans to loans | 11.2718% | 326 |
| Net loans and leases to total assets | 72.6402% | 1,582 |
| Net loans and leases to deposits | 81.5993% | 2,427 |
| Net loans and leases to core deposits | 95.1632% | 1,751 |
| Total domestic deposits to total assets | 89.0206% | 1,762 |
| Equity capital to assets | 10.5100% | 3,167 |
| Core capital (leverage) ratio | 9.4237% | 3,922 |
| Tier 1 risk-based capital ratio | 13.1627% | 4,697 |
| Total risk-based capital ratio | 14.4379% | 4,650 |
| Memoranda: | ||
| Average total assets | $298,603,500 | 2,170 |
| Average earning assets | $272,555,500 | 2,181 |
| Average equity | $31,431,000 | 2,084 |
| Average total loans | $224,149,000 | 1,902 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8079% | 5,379 |
| Cost of funding earning assets | 1.1029% | 5,122 |
| Net interest margin | 3.7049% | 4,321 |
| Noninterest income to average assets | 0.2516% | 6,001 |
| Noninterest expense to average assets | 2.7313% | 4,846 |
| Loan and lease loss provision to assets | 1.5446% | 951 |
| Net operating income to assets | -0.5886% | 6,442 |
| Return on assets (ROA) | -0.4039% | 6,345 |
| Pretax return on assets | -0.4202% | 6,259 |
| Return on Equity (ROE) | -3.9172% | 6,351 |
| Retained earnings to average equity (ytd only) | -5.1328% | 6,314 |
| Net charge-offs to loans | 2.5535% | 732 |
| Credit loss provision to net charge-offs | 81.4980% | 5,502 |
| Earnings coverage of net charge-offs (x) | 0.4917% | 5,621 |
| Efficiency ratio | 70.5988% | 4,055 |
| Assets per employee ($millions) | 4.4591% | 2,941 |
| Cash dividends to net income (ytd only)* | -31.0318% | 7,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5471% | 580 |
| Loan loss allowance to noncurrent loans | 29.5906% | 6,315 |
| Noncurrent assets plus other real estate owned to assets | 10.5253% | 370 |
| Noncurrent loans to loans | 11.9873% | 292 |
| Net loans and leases to total assets | 72.4590% | 1,994 |
| Net loans and leases to deposits | 81.4136% | 2,917 |
| Net loans and leases to core deposits | 95.0463% | 2,124 |
| Total domestic deposits to total assets | 89.0011% | 1,661 |
| Equity capital to assets | 10.5415% | 3,118 |
| Core capital (leverage) ratio | 9.1206% | 4,315 |
| Tier 1 risk-based capital ratio | 13.3476% | 4,332 |
| Total risk-based capital ratio | 14.6280% | 4,268 |
| Memoranda: | ||
| Average total assets | $319,116,800 | 2,043 |
| Average earning assets | $293,850,200 | 2,024 |
| Average equity | $32,906,200 | 1,999 |
| Average total loans | $236,848,800 | 1,847 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8050% | 5,635 |
| Cost of funding earning assets | 1.1319% | 5,245 |
| Net interest margin | 3.6730% | 4,532 |
| Noninterest income to average assets | 0.2220% | 6,319 |
| Noninterest expense to average assets | 2.6894% | 4,922 |
| Loan and lease loss provision to assets | 1.7893% | 699 |
| Net operating income to assets | -0.8504% | 6,815 |
| Return on assets (ROA) | -0.8596% | 6,861 |
| Pretax return on assets | -0.8823% | 6,792 |
| Return on Equity (ROE) | -8.3799% | 6,855 |
| Retained earnings to average equity (ytd only) | -9.9892% | 6,882 |
| Net charge-offs to loans | 3.2447% | 441 |
| Credit loss provision to net charge-offs | 74.5145% | 5,300 |
| Earnings coverage of net charge-offs (x) | 0.3817% | 5,646 |
| Efficiency ratio | 70.6111% | 3,957 |
| Assets per employee ($millions) | 4.6732% | 2,642 |
| Cash dividends to net income (ytd only)* | -19.2031% | 7,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3185% | 625 |
| Loan loss allowance to noncurrent loans | 27.1032% | 6,507 |
| Noncurrent assets plus other real estate owned to assets | 10.0362% | 405 |
| Noncurrent loans to loans | 12.2438% | 273 |
| Net loans and leases to total assets | 68.7202% | 3,051 |
| Net loans and leases to deposits | 76.7632% | 4,043 |
| Net loans and leases to core deposits | 90.3069% | 3,055 |
| Total domestic deposits to total assets | 89.5224% | 1,113 |
| Equity capital to assets | 9.9974% | 4,163 |
| Core capital (leverage) ratio | 8.4931% | 5,519 |
| Tier 1 risk-based capital ratio | 12.4571% | 5,022 |
| Total risk-based capital ratio | 13.7339% | 4,976 |
| Memoranda: | ||
| Average total assets | $323,090,750 | 2,041 |
| Average earning assets | $297,657,750 | 2,019 |
| Average equity | $33,141,750 | 2,007 |
| Average total loans | $239,113,250 | 1,851 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8839% | 5,470 |
| Cost of funding earning assets | 1.1635% | 5,324 |
| Net interest margin | 3.7204% | 4,267 |
| Noninterest income to average assets | 0.1343% | 6,916 |
| Noninterest expense to average assets | 2.5834% | 5,390 |
| Loan and lease loss provision to assets | 2.2956% | 509 |
| Net operating income to assets | -1.3147% | 7,073 |
| Return on assets (ROA) | -1.3284% | 7,101 |
| Pretax return on assets | -1.3259% | 7,019 |
| Return on Equity (ROE) | -12.8396% | 7,066 |
| Retained earnings to average equity (ytd only) | -15.2429% | 7,110 |
| Net charge-offs to loans | 4.6446% | 238 |
| Credit loss provision to net charge-offs | 65.8994% | 5,078 |
| Earnings coverage of net charge-offs (x) | 0.2823% | 5,445 |
| Efficiency ratio | 68.3862% | 4,501 |
| Assets per employee ($millions) | 4.6240% | 2,696 |
| Cash dividends to net income (ytd only)* | -18.7178% | 7,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0561% | 784 |
| Loan loss allowance to noncurrent loans | 23.0672% | 6,791 |
| Noncurrent assets plus other real estate owned to assets | 10.5332% | 360 |
| Noncurrent loans to loans | 13.2486% | 223 |
| Net loans and leases to total assets | 72.4694% | 2,284 |
| Net loans and leases to deposits | 81.0244% | 3,424 |
| Net loans and leases to core deposits | 95.6166% | 2,490 |
| Total domestic deposits to total assets | 89.4415% | 1,207 |
| Equity capital to assets | 10.0395% | 3,970 |
| Core capital (leverage) ratio | 8.6953% | 5,080 |
| Tier 1 risk-based capital ratio | 12.0381% | 5,275 |
| Total risk-based capital ratio | 13.3115% | 5,225 |
| Memoranda: | ||
| Average total assets | $321,746,000 | 2,062 |
| Average earning assets | $296,851,330 | 2,049 |
| Average equity | $33,287,670 | 2,002 |
| Average total loans | $241,312,000 | 1,864 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0992% | 4,530 |
| Cost of funding earning assets | 1.2201% | 5,279 |
| Net interest margin | 3.8791% | 3,410 |
| Noninterest income to average assets | 0.3689% | 5,190 |
| Noninterest expense to average assets | 2.5702% | 5,479 |
| Loan and lease loss provision to assets | 0.0037% | 6,540 |
| Net operating income to assets | 1.3680% | 1,147 |
| Return on assets (ROA) | 1.3680% | 1,216 |
| Pretax return on assets | 1.3730% | 1,849 |
| Return on Equity (ROE) | 13.0324% | 1,247 |
| Retained earnings to average equity (ytd only) | 8.3148% | 1,588 |
| Net charge-offs to loans | 1.1569% | 1,454 |
| Credit loss provision to net charge-offs | 0.4274% | 5,125 |
| Earnings coverage of net charge-offs (x) | 1.5840% | 3,776 |
| Efficiency ratio | 61.4806% | 5,912 |
| Assets per employee ($millions) | 4.7078% | 2,636 |
| Cash dividends to net income (ytd only)* | 36.1991% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5415% | 527 |
| Loan loss allowance to noncurrent loans | 33.7556% | 6,139 |
| Noncurrent assets plus other real estate owned to assets | 8.6066% | 544 |
| Noncurrent loans to loans | 10.4916% | 391 |
| Net loans and leases to total assets | 72.3186% | 2,382 |
| Net loans and leases to deposits | 82.3845% | 3,215 |
| Net loans and leases to core deposits | 99.0900% | 2,227 |
| Total domestic deposits to total assets | 87.7818% | 2,192 |
| Equity capital to assets | 10.7698% | 2,978 |
| Core capital (leverage) ratio | 9.6137% | 3,626 |
| Tier 1 risk-based capital ratio | 13.2143% | 4,199 |
| Total risk-based capital ratio | 14.4938% | 4,120 |
| Memoranda: | ||
| Average total assets | $323,089,500 | 2,099 |
| Average earning assets | $298,008,000 | 2,090 |
| Average equity | $33,915,500 | 1,993 |
| Average total loans | $242,713,500 | 1,904 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2856% | 5,254 |
| Cost of funding earning assets | 1.2556% | 6,456 |
| Net interest margin | 4.0300% | 2,745 |
| Noninterest income to average assets | 0.3521% | 5,580 |
| Noninterest expense to average assets | 5.2054% | 459 |
| Loan and lease loss provision to assets | 2.3049% | 885 |
| Net operating income to assets | -3.4871% | 7,504 |
| Return on assets (ROA) | -3.4700% | 7,509 |
| Pretax return on assets | -3.4691% | 7,414 |
| Return on Equity (ROE) | -27.8955% | 7,361 |
| Retained earnings to average equity (ytd only) | -31.1680% | 7,411 |
| Net charge-offs to loans | 1.6925% | 1,487 |
| Credit loss provision to net charge-offs | 186.3856% | 2,176 |
| Earnings coverage of net charge-offs (x) | -0.9553% | 6,873 |
| Efficiency ratio | 60.6187% | 6,385 |
| Assets per employee ($millions) | 4.7254% | 2,576 |
| Cash dividends to net income (ytd only)* | -11.7314% | 7,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7483% | 423 |
| Loan loss allowance to noncurrent loans | 33.3104% | 6,223 |
| Noncurrent assets plus other real estate owned to assets | 8.8722% | 454 |
| Noncurrent loans to loans | 11.2528% | 330 |
| Net loans and leases to total assets | 72.4476% | 2,647 |
| Net loans and leases to deposits | 83.0518% | 3,438 |
| Net loans and leases to core deposits | 106.7098% | 3,249 |
| Total domestic deposits to total assets | 87.2318% | 2,374 |
| Equity capital to assets | 10.2297% | 3,481 |
| Core capital (leverage) ratio | 8.6869% | 4,942 |
| Tier 1 risk-based capital ratio | 12.7263% | 4,346 |
| Total risk-based capital ratio | 14.0091% | 4,259 |
| Memoranda: | ||
| Average total assets | $351,041,000 | 1,937 |
| Average earning assets | $319,853,000 | 1,948 |
| Average equity | $43,666,600 | 1,533 |
| Average total loans | $256,481,400 | 1,857 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3166% | 5,332 |
| Cost of funding earning assets | 1.2403% | 6,759 |
| Net interest margin | 4.0763% | 2,490 |
| Noninterest income to average assets | 0.3605% | 5,614 |
| Noninterest expense to average assets | 2.4491% | 6,253 |
| Loan and lease loss provision to assets | 1.2598% | 1,530 |
| Net operating income to assets | 0.3616% | 4,548 |
| Return on assets (ROA) | 0.3616% | 4,649 |
| Pretax return on assets | 0.3504% | 4,931 |
| Return on Equity (ROE) | 2.7938% | 4,878 |
| Retained earnings to average equity (ytd only) | -0.2883% | 5,285 |
| Net charge-offs to loans | 0.7123% | 2,567 |
| Credit loss provision to net charge-offs | 243.7545% | 1,782 |
| Earnings coverage of net charge-offs (x) | 3.1155% | 3,677 |
| Efficiency ratio | 57.1429% | 6,852 |
| Assets per employee ($millions) | 4.9995% | 2,144 |
| Cash dividends to net income (ytd only)* | 110.3199% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9533% | 689 |
| Loan loss allowance to noncurrent loans | 32.1160% | 6,299 |
| Noncurrent assets plus other real estate owned to assets | 7.0516% | 682 |
| Noncurrent loans to loans | 9.1957% | 473 |
| Net loans and leases to total assets | 69.8595% | 3,556 |
| Net loans and leases to deposits | 83.2892% | 3,776 |
| Net loans and leases to core deposits | 108.2262% | 3,441 |
| Total domestic deposits to total assets | 83.8758% | 3,783 |
| Equity capital to assets | 13.5843% | 1,459 |
| Core capital (leverage) ratio | 10.0172% | 3,257 |
| Tier 1 risk-based capital ratio | 14.0003% | 3,555 |
| Total risk-based capital ratio | 15.2724% | 3,489 |
| Memoranda: | ||
| Average total assets | $357,288,500 | 1,917 |
| Average earning assets | $324,208,000 | 1,938 |
| Average equity | $46,244,750 | 1,478 |
| Average total loans | $259,248,000 | 1,865 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3290% | 5,505 |
| Cost of funding earning assets | 1.2278% | 7,026 |
| Net interest margin | 4.1012% | 2,316 |
| Noninterest income to average assets | 0.3553% | 5,660 |
| Noninterest expense to average assets | 2.5058% | 6,106 |
| Loan and lease loss provision to assets | 1.6529% | 1,010 |
| Net operating income to assets | -0.0567% | 5,932 |
| Return on assets (ROA) | -0.0567% | 6,002 |
| Pretax return on assets | -0.0817% | 5,976 |
| Return on Equity (ROE) | -0.4453% | 5,990 |
| Retained earnings to average equity (ytd only) | -4.0993% | 6,154 |
| Net charge-offs to loans | 0.9897% | 1,775 |
| Credit loss provision to net charge-offs | 229.5753% | 2,006 |
| Earnings coverage of net charge-offs (x) | 2.1822% | 3,979 |
| Efficiency ratio | 58.3117% | 6,809 |
| Assets per employee ($millions) | 5.0734% | 2,002 |
| Cash dividends to net income (ytd only)* | -820.5882% | 8,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7685% | 700 |
| Loan loss allowance to noncurrent loans | 27.8747% | 6,642 |
| Noncurrent assets plus other real estate owned to assets | 7.2269% | 572 |
| Noncurrent loans to loans | 9.9319% | 354 |
| Net loans and leases to total assets | 69.4886% | 3,820 |
| Net loans and leases to deposits | 87.4517% | 3,273 |
| Net loans and leases to core deposits | 101.0142% | 4,403 |
| Total domestic deposits to total assets | 79.4595% | 5,668 |
| Equity capital to assets | 12.6118% | 1,870 |
| Core capital (leverage) ratio | 9.4506% | 3,960 |
| Tier 1 risk-based capital ratio | 13.3072% | 3,932 |
| Total risk-based capital ratio | 14.5770% | 3,850 |
| Memoranda: | ||
| Average total assets | $359,730,000 | 1,930 |
| Average earning assets | $326,438,000 | 1,939 |
| Average equity | $45,813,000 | 1,500 |
| Average total loans | $261,689,670 | 1,876 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4257% | 5,288 |
| Cost of funding earning assets | 1.2929% | 7,033 |
| Net interest margin | 4.1328% | 2,151 |
| Noninterest income to average assets | 0.3349% | 5,777 |
| Noninterest expense to average assets | 2.5403% | 5,686 |
| Loan and lease loss provision to assets | 1.5355% | 818 |
| Net operating income to assets | 0.0801% | 6,037 |
| Return on assets (ROA) | 0.0801% | 6,206 |
| Pretax return on assets | 0.0045% | 6,363 |
| Return on Equity (ROE) | 0.6260% | 6,242 |
| Retained earnings to average equity (ytd only) | -5.9385% | 6,675 |
| Net charge-offs to loans | 1.0992% | 1,238 |
| Credit loss provision to net charge-offs | 190.3448% | 2,310 |
| Earnings coverage of net charge-offs (x) | 1.9090% | 3,762 |
| Efficiency ratio | 59.0946% | 6,542 |
| Assets per employee ($millions) | 4.2584% | 3,152 |
| Cash dividends to net income (ytd only)* | 1,048.6111% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3108% | 931 |
| Loan loss allowance to noncurrent loans | 58.9986% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 3.0221% | 1,865 |
| Noncurrent loans to loans | 3.9167% | 1,555 |
| Net loans and leases to total assets | 72.1392% | 3,213 |
| Net loans and leases to deposits | 100.8390% | 1,299 |
| Net loans and leases to core deposits | 116.8413% | 2,698 |
| Total domestic deposits to total assets | 71.5390% | 7,276 |
| Equity capital to assets | 12.7421% | 1,863 |
| Core capital (leverage) ratio | 9.2352% | 4,356 |
| Tier 1 risk-based capital ratio | 12.6680% | 4,421 |
| Total risk-based capital ratio | 13.9320% | 4,329 |
| Memoranda: | ||
| Average total assets | $359,490,000 | 1,934 |
| Average earning assets | $325,781,000 | 1,941 |
| Average equity | $46,005,000 | 1,502 |
| Average total loans | $263,818,500 | 1,877 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1693% | 4,671 |
| Cost of funding earning assets | 2.1703% | 5,731 |
| Net interest margin | 3.9990% | 3,113 |
| Noninterest income to average assets | 0.2967% | 6,339 |
| Noninterest expense to average assets | 2.3921% | 6,421 |
| Loan and lease loss provision to assets | 1.5376% | 872 |
| Net operating income to assets | -0.0157% | 6,394 |
| Return on assets (ROA) | 0.0221% | 6,162 |
| Pretax return on assets | 0.0264% | 6,100 |
| Return on Equity (ROE) | 0.1691% | 6,177 |
| Retained earnings to average equity (ytd only) | -5.1281% | 6,529 |
| Net charge-offs to loans | 0.6534% | 1,897 |
| Credit loss provision to net charge-offs | 315.6040% | 1,431 |
| Earnings coverage of net charge-offs (x) | 3.1180% | 4,531 |
| Efficiency ratio | 57.9351% | 6,708 |
| Assets per employee ($millions) | 4.2503% | 3,033 |
| Cash dividends to net income (ytd only)* | 3,132.0988% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0680% | 1,120 |
| Loan loss allowance to noncurrent loans | 60.8963% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 2.6052% | 1,845 |
| Noncurrent loans to loans | 3.3960% | 1,512 |
| Net loans and leases to total assets | 71.4244% | 3,700 |
| Net loans and leases to deposits | 100.0834% | 1,827 |
| Net loans and leases to core deposits | 116.4125% | 3,076 |
| Total domestic deposits to total assets | 71.3649% | 7,110 |
| Equity capital to assets | 12.8519% | 1,847 |
| Core capital (leverage) ratio | 9.5888% | 3,893 |
| Tier 1 risk-based capital ratio | 12.6392% | 4,332 |
| Total risk-based capital ratio | 13.8996% | 4,243 |
| Memoranda: | ||
| Average total assets | $367,001,400 | 1,831 |
| Average earning assets | $331,706,200 | 1,845 |
| Average equity | $47,893,400 | 1,430 |
| Average total loans | $273,625,200 | 1,750 |