Home > Bank of Las Colinas > Performance and Condition Ratios
Bank of Las Colinas, 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 | 5.2904% | 1,899 |
| Cost of funding earning assets | 0.6565% | 6,003 |
| Net interest margin | 4.6339% | 884 |
| Noninterest income to average assets | 0.1562% | 6,479 |
| Noninterest expense to average assets | 3.9633% | 1,047 |
| Loan and lease loss provision to assets | 0.0027% | 6,381 |
| Net operating income to assets | 0.5043% | 4,531 |
| Return on assets (ROA) | 0.5043% | 4,715 |
| Pretax return on assets | 0.5043% | 5,147 |
| Return on Equity (ROE) | 4.3408% | 4,843 |
| Retained earnings to average equity (ytd only) | 4.3408% | 3,641 |
| Net charge-offs to loans | 0.0810% | 5,165 |
| Credit loss provision to net charge-offs | 4.0000% | 5,712 |
| Earnings coverage of net charge-offs (x) | 7.4005% | 2,366 |
| Efficiency ratio | 88.4733% | 1,297 |
| Assets per employee ($millions) | 5.1165% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7001% | 3,270 |
| Loan loss allowance to noncurrent loans | 81.6492% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 1.6828% | 3,561 |
| Noncurrent loans to loans | 2.0822% | 3,266 |
| Net loans and leases to total assets | 79.4449% | 565 |
| Net loans and leases to deposits | 89.6535% | 1,253 |
| Net loans and leases to core deposits | 89.6535% | 2,296 |
| Total domestic deposits to total assets | 88.6133% | 1,684 |
| Equity capital to assets | 11.2401% | 2,924 |
| Core capital (leverage) ratio | 11.2401% | 2,197 |
| Tier 1 risk-based capital ratio | 14.6470% | 3,870 |
| Total risk-based capital ratio | 15.9026% | 3,842 |
| Memoranda: | ||
| Average total assets | $48,644,750 | 6,464 |
| Average earning assets | $45,288,500 | 6,412 |
| Average equity | $5,651,750 | 6,291 |
| Average total loans | $41,151,500 | 5,688 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2983% | 1,899 |
| Cost of funding earning assets | 0.6533% | 6,210 |
| Net interest margin | 4.6450% | 831 |
| Noninterest income to average assets | 0.1799% | 6,371 |
| Noninterest expense to average assets | 4.0038% | 1,047 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4895% | 4,546 |
| Return on assets (ROA) | 0.4895% | 4,686 |
| Pretax return on assets | 0.4895% | 5,103 |
| Return on Equity (ROE) | 4.1647% | 4,850 |
| Retained earnings to average equity (ytd only) | 4.1647% | 3,545 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9199% | 1,327 |
| Assets per employee ($millions) | 4.8698% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7954% | 3,011 |
| Loan loss allowance to noncurrent loans | 74.7465% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 2.0247% | 3,201 |
| Noncurrent loans to loans | 2.4019% | 2,988 |
| Net loans and leases to total assets | 82.7816% | 319 |
| Net loans and leases to deposits | 93.8647% | 879 |
| Net loans and leases to core deposits | 99.8786% | 1,352 |
| Total domestic deposits to total assets | 88.1925% | 2,019 |
| Equity capital to assets | 11.6719% | 2,349 |
| Core capital (leverage) ratio | 11.6719% | 1,797 |
| Tier 1 risk-based capital ratio | 14.5740% | 3,742 |
| Total risk-based capital ratio | 15.8329% | 3,709 |
| Memoranda: | ||
| Average total assets | $47,804,670 | 6,544 |
| Average earning assets | $44,392,000 | 6,498 |
| Average equity | $5,618,670 | 6,341 |
| Average total loans | $41,085,000 | 5,753 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3856% | 1,612 |
| Cost of funding earning assets | 0.6641% | 6,325 |
| Net interest margin | 4.7215% | 676 |
| Noninterest income to average assets | 0.1943% | 6,334 |
| Noninterest expense to average assets | 4.2569% | 757 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3210% | 5,309 |
| Return on assets (ROA) | 0.3210% | 5,386 |
| Pretax return on assets | 0.3210% | 5,590 |
| Return on Equity (ROE) | 2.7211% | 5,508 |
| Retained earnings to average equity (ytd only) | 2.7211% | 4,541 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8044% | 1,109 |
| Assets per employee ($millions) | 4.9949% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8076% | 2,988 |
| Loan loss allowance to noncurrent loans | 82.7160% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.7838% | 3,600 |
| Noncurrent loans to loans | 2.1853% | 3,339 |
| Net loans and leases to total assets | 80.1518% | 502 |
| Net loans and leases to deposits | 95.7798% | 705 |
| Net loans and leases to core deposits | 102.0962% | 1,196 |
| Total domestic deposits to total assets | 83.6834% | 4,629 |
| Equity capital to assets | 11.2214% | 2,491 |
| Core capital (leverage) ratio | 11.2214% | 2,018 |
| Tier 1 risk-based capital ratio | 14.7148% | 3,601 |
| Total risk-based capital ratio | 15.9723% | 3,551 |
| Memoranda: | ||
| Average total assets | $47,358,000 | 6,602 |
| Average earning assets | $43,969,000 | 6,560 |
| Average equity | $5,586,000 | 6,368 |
| Average total loans | $41,102,500 | 5,806 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4643% | 2,418 |
| Cost of funding earning assets | 0.7228% | 6,815 |
| Net interest margin | 4.7416% | 747 |
| Noninterest income to average assets | 0.2047% | 6,322 |
| Noninterest expense to average assets | 4.3450% | 770 |
| Loan and lease loss provision to assets | 0.0180% | 6,933 |
| Net operating income to assets | 0.2384% | 5,143 |
| Return on assets (ROA) | 0.2384% | 5,295 |
| Pretax return on assets | 0.2384% | 5,384 |
| Return on Equity (ROE) | 1.9395% | 5,401 |
| Retained earnings to average equity (ytd only) | 1.9395% | 4,507 |
| Net charge-offs to loans | 0.0052% | 6,791 |
| Credit loss provision to net charge-offs | 400.0000% | 610 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 411 |
| Efficiency ratio | 93.8416% | 1,069 |
| Assets per employee ($millions) | 4.4767% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7788% | 2,930 |
| Loan loss allowance to noncurrent loans | 81.2569% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 2.0260% | 3,319 |
| Noncurrent loans to loans | 2.1891% | 3,328 |
| Net loans and leases to total assets | 90.9062% | 38 |
| Net loans and leases to deposits | 103.9091% | 405 |
| Net loans and leases to core deposits | 109.0110% | 985 |
| Total domestic deposits to total assets | 87.4863% | 2,555 |
| Equity capital to assets | 12.4355% | 1,679 |
| Core capital (leverage) ratio | 12.4355% | 1,336 |
| Tier 1 risk-based capital ratio | 14.4609% | 3,573 |
| Total risk-based capital ratio | 15.7181% | 3,520 |
| Memoranda: | ||
| Average total assets | $44,465,000 | 6,716 |
| Average earning assets | $41,231,200 | 6,668 |
| Average equity | $5,465,200 | 6,515 |
| Average total loans | $38,328,200 | 5,994 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2904% | 3,395 |
| Cost of funding earning assets | 0.7284% | 6,980 |
| Net interest margin | 4.5621% | 1,126 |
| Noninterest income to average assets | 0.1562% | 6,746 |
| Noninterest expense to average assets | 4.3853% | 671 |
| Loan and lease loss provision to assets | 0.0240% | 6,824 |
| Net operating income to assets | -0.0390% | 6,081 |
| Return on assets (ROA) | -0.0390% | 6,191 |
| Pretax return on assets | -0.0390% | 6,151 |
| Return on Equity (ROE) | -0.3186% | 6,187 |
| Retained earnings to average equity (ytd only) | -0.3186% | 5,861 |
| Net charge-offs to loans | 0.0071% | 6,565 |
| Credit loss provision to net charge-offs | 400.0000% | 754 |
| Earnings coverage of net charge-offs (x) | -2.4981% | 6,551 |
| Efficiency ratio | 99.7251% | 749 |
| Assets per employee ($millions) | 4.5169% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8161% | 2,734 |
| Loan loss allowance to noncurrent loans | 78.9925% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 2.0656% | 3,385 |
| Noncurrent loans to loans | 2.2991% | 3,340 |
| Net loans and leases to total assets | 88.2109% | 104 |
| Net loans and leases to deposits | 100.4918% | 621 |
| Net loans and leases to core deposits | 105.3628% | 1,373 |
| Total domestic deposits to total assets | 87.7792% | 2,111 |
| Equity capital to assets | 12.0614% | 2,121 |
| Core capital (leverage) ratio | 12.0614% | 1,638 |
| Tier 1 risk-based capital ratio | 14.3842% | 3,577 |
| Total risk-based capital ratio | 15.6436% | 3,542 |
| Memoranda: | ||
| Average total assets | $44,389,500 | 6,801 |
| Average earning assets | $41,003,750 | 6,759 |
| Average equity | $5,439,750 | 6,604 |
| Average total loans | $37,552,000 | 6,117 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0992% | 4,458 |
| Cost of funding earning assets | 0.7494% | 7,066 |
| Net interest margin | 4.3497% | 1,591 |
| Noninterest income to average assets | 0.1496% | 6,819 |
| Noninterest expense to average assets | 4.0653% | 966 |
| Loan and lease loss provision to assets | 0.2402% | 4,512 |
| Net operating income to assets | -0.1314% | 6,267 |
| Return on assets (ROA) | -0.1314% | 6,341 |
| Pretax return on assets | -0.1314% | 6,277 |
| Return on Equity (ROE) | -1.0668% | 6,323 |
| Retained earnings to average equity (ytd only) | -1.0668% | 5,982 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7427% | 926 |
| Assets per employee ($millions) | 4.1787% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0294% | 2,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 82.3413% | 503 |
| Net loans and leases to deposits | 93.5560% | 1,332 |
| Net loans and leases to core deposits | 98.0798% | 2,220 |
| Total domestic deposits to total assets | 88.0129% | 1,996 |
| Equity capital to assets | 11.8174% | 2,211 |
| Core capital (leverage) ratio | 11.8174% | 1,746 |
| Tier 1 risk-based capital ratio | 14.9436% | 3,178 |
| Total risk-based capital ratio | 16.2036% | 3,145 |
| Memoranda: | ||
| Average total assets | $44,129,670 | 6,856 |
| Average earning assets | $40,830,330 | 6,819 |
| Average equity | $5,437,000 | 6,637 |
| Average total loans | $36,542,330 | 6,218 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0400% | 4,834 |
| Cost of funding earning assets | 0.8132% | 7,048 |
| Net interest margin | 4.2268% | 1,944 |
| Noninterest income to average assets | 0.1203% | 7,088 |
| Noninterest expense to average assets | 4.2396% | 776 |
| Loan and lease loss provision to assets | 0.1759% | 4,762 |
| Net operating income to assets | -0.3980% | 6,757 |
| Return on assets (ROA) | -0.3980% | 6,796 |
| Pretax return on assets | -0.3980% | 6,715 |
| Return on Equity (ROE) | -3.1621% | 6,751 |
| Retained earnings to average equity (ytd only) | -3.1621% | 6,382 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8387% | 704 |
| Assets per employee ($millions) | 3.9473% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0679% | 2,025 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5661% | 4,152 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 81.8033% | 615 |
| Net loans and leases to deposits | 93.5917% | 1,396 |
| Net loans and leases to core deposits | 98.4315% | 2,303 |
| Total domestic deposits to total assets | 87.4044% | 2,410 |
| Equity capital to assets | 12.4781% | 1,771 |
| Core capital (leverage) ratio | 12.4781% | 1,413 |
| Tier 1 risk-based capital ratio | 15.3715% | 2,934 |
| Total risk-based capital ratio | 16.6312% | 2,880 |
| Memoranda: | ||
| Average total assets | $43,211,500 | 6,978 |
| Average earning assets | $39,841,000 | 6,935 |
| Average equity | $5,439,500 | 6,692 |
| Average total loans | $35,497,000 | 6,342 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0336% | 6,326 |
| Cost of funding earning assets | 1.1494% | 6,824 |
| Net interest margin | 3.8842% | 3,332 |
| Noninterest income to average assets | 0.1204% | 7,156 |
| Noninterest expense to average assets | 4.5935% | 723 |
| Loan and lease loss provision to assets | 0.7275% | 2,930 |
| Net operating income to assets | -3.0943% | 7,419 |
| Return on assets (ROA) | -3.0943% | 7,428 |
| Pretax return on assets | -1.5213% | 6,719 |
| Return on Equity (ROE) | -20.3860% | 7,152 |
| Retained earnings to average equity (ytd only) | -20.3860% | 7,120 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.3752% | 601 |
| Assets per employee ($millions) | 3.9094% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1051% | 1,813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 79.0503% | 1,169 |
| Net loans and leases to deposits | 90.7378% | 2,091 |
| Net loans and leases to core deposits | 113.9973% | 2,496 |
| Total domestic deposits to total assets | 87.1195% | 2,428 |
| Equity capital to assets | 12.6991% | 1,647 |
| Core capital (leverage) ratio | 12.6991% | 1,354 |
| Tier 1 risk-based capital ratio | 16.5425% | 2,300 |
| Total risk-based capital ratio | 17.8056% | 2,240 |
| Memoranda: | ||
| Average total assets | $40,687,800 | 7,067 |
| Average earning assets | $38,541,200 | 6,995 |
| Average equity | $6,175,800 | 6,540 |
| Average total loans | $32,922,800 | 6,470 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9184% | 6,838 |
| Cost of funding earning assets | 1.1999% | 6,886 |
| Net interest margin | 3.7185% | 3,997 |
| Noninterest income to average assets | 0.1197% | 7,293 |
| Noninterest expense to average assets | 4.4910% | 753 |
| Loan and lease loss provision to assets | 0.8975% | 2,144 |
| Net operating income to assets | -3.8627% | 7,731 |
| Return on assets (ROA) | -3.8627% | 7,733 |
| Pretax return on assets | -1.7352% | 7,062 |
| Return on Equity (ROE) | -24.3810% | 7,494 |
| Retained earnings to average equity (ytd only) | -24.3810% | 7,469 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.3840% | 556 |
| Assets per employee ($millions) | 3.9827% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0276% | 1,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 77.7562% | 1,621 |
| Net loans and leases to deposits | 89.2244% | 2,735 |
| Net loans and leases to core deposits | 108.0502% | 3,465 |
| Total domestic deposits to total assets | 87.1468% | 2,105 |
| Equity capital to assets | 12.6866% | 1,839 |
| Core capital (leverage) ratio | 12.6866% | 1,504 |
| Tier 1 risk-based capital ratio | 16.2638% | 2,528 |
| Total risk-based capital ratio | 17.5250% | 2,464 |
| Memoranda: | ||
| Average total assets | $40,109,000 | 7,140 |
| Average earning assets | $38,114,750 | 7,065 |
| Average equity | $6,354,500 | 6,537 |
| Average total loans | $32,472,250 | 6,538 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9868% | 6,816 |
| Cost of funding earning assets | 1.2277% | 7,027 |
| Net interest margin | 3.7591% | 3,718 |
| Noninterest income to average assets | 0.1132% | 7,415 |
| Noninterest expense to average assets | 4.6816% | 653 |
| Loan and lease loss provision to assets | 0.3756% | 3,675 |
| Net operating income to assets | -0.9363% | 6,921 |
| Return on assets (ROA) | -0.9363% | 6,930 |
| Pretax return on assets | -1.3839% | 7,024 |
| Return on Equity (ROE) | -5.4985% | 6,660 |
| Retained earnings to average equity (ytd only) | -5.4985% | 6,378 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.8908% | 554 |
| Assets per employee ($millions) | 3.9722% | 3,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5986% | 2,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 71.5659% | 3,330 |
| Net loans and leases to deposits | 84.4017% | 3,810 |
| Net loans and leases to core deposits | 103.0449% | 4,175 |
| Total domestic deposits to total assets | 84.7920% | 3,356 |
| Equity capital to assets | 14.9632% | 1,036 |
| Core capital (leverage) ratio | 13.5243% | 1,266 |
| Tier 1 risk-based capital ratio | 19.6756% | 1,638 |
| Total risk-based capital ratio | 20.9318% | 1,595 |
| Memoranda: | ||
| Average total assets | $38,875,330 | 7,264 |
| Average earning assets | $36,817,330 | 7,184 |
| Average equity | $6,620,000 | 6,490 |
| Average total loans | $31,706,330 | 6,629 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0374% | 6,837 |
| Cost of funding earning assets | 1.2652% | 7,134 |
| Net interest margin | 3.7723% | 3,579 |
| Noninterest income to average assets | 0.1097% | 7,486 |
| Noninterest expense to average assets | 4.8264% | 545 |
| Loan and lease loss provision to assets | 0.7569% | 1,702 |
| Net operating income to assets | -1.2944% | 7,412 |
| Return on assets (ROA) | -1.2944% | 7,426 |
| Pretax return on assets | -1.9086% | 7,506 |
| Return on Equity (ROE) | -7.0860% | 7,154 |
| Retained earnings to average equity (ytd only) | -7.0860% | 6,802 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.7463% | 499 |
| Assets per employee ($millions) | 3.7798% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 3,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 79.7994% | 1,431 |
| Net loans and leases to deposits | 95.0306% | 2,103 |
| Net loans and leases to core deposits | 113.1231% | 3,088 |
| Total domestic deposits to total assets | 83.9723% | 3,718 |
| Equity capital to assets | 15.8786% | 894 |
| Core capital (leverage) ratio | 14.4465% | 1,097 |
| Tier 1 risk-based capital ratio | 18.9204% | 1,830 |
| Total risk-based capital ratio | 20.1762% | 1,784 |
| Memoranda: | ||
| Average total assets | $36,466,000 | 7,396 |
| Average earning assets | $34,462,000 | 7,333 |
| Average equity | $6,661,000 | 6,526 |
| Average total loans | $31,670,500 | 6,669 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6001% | 7,065 |
| Cost of funding earning assets | 1.8404% | 6,898 |
| Net interest margin | 3.7597% | 4,180 |
| Noninterest income to average assets | 0.0652% | 7,820 |
| Noninterest expense to average assets | 6.1723% | 379 |
| Loan and lease loss provision to assets | 1.1864% | 1,217 |
| Net operating income to assets | -2.5358% | 7,719 |
| Return on assets (ROA) | -2.5358% | 7,689 |
| Pretax return on assets | -3.7955% | 7,853 |
| Return on Equity (ROE) | -8.8599% | 7,185 |
| Retained earnings to average equity (ytd only) | -8.8599% | 6,958 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 172.5400% | 275 |
| Assets per employee ($millions) | 2.8504% | 6,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 2,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 93.2034% | 48 |
| Net loans and leases to deposits | 119.0249% | 407 |
| Net loans and leases to core deposits | 142.9767% | 1,133 |
| Total domestic deposits to total assets | 78.3058% | 5,611 |
| Equity capital to assets | 21.4327% | 378 |
| Core capital (leverage) ratio | 19.7955% | 452 |
| Tier 1 risk-based capital ratio | 22.0810% | 1,306 |
| Total risk-based capital ratio | 23.3339% | 1,270 |
| Memoranda: | ||
| Average total assets | $24,529,000 | 7,857 |
| Average earning assets | $22,821,200 | 7,829 |
| Average equity | $7,020,400 | 6,446 |
| Average total loans | $20,456,000 | 7,303 |