Home > Bank of Naples > Performance and Condition Ratios
Bank of Naples, Performance and Condition Ratios
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5232% | 6,580 |
| Cost of funding earning assets | 0.9320% | 2,170 |
| Net interest margin | 2.5911% | 6,824 |
| Noninterest income to average assets | 0.1006% | 6,674 |
| Noninterest expense to average assets | 5.0308% | 371 |
| Loan and lease loss provision to assets | -1.3253% | 7,232 |
| Net operating income to assets | -1.1154% | 6,938 |
| Return on assets (ROA) | -1.1154% | 6,957 |
| Pretax return on assets | -1.1154% | 6,926 |
| Return on Equity (ROE) | -44.5337% | 7,157 |
| Retained earnings to average equity (ytd only) | -44.5337% | 7,151 |
| Net charge-offs to loans | 0.8650% | 1,276 |
| Credit loss provision to net charge-offs | -244.5623% | 6,177 |
| Earnings coverage of net charge-offs (x) | -4.5040% | 5,445 |
| Efficiency ratio | 194.2286% | 41 |
| Assets per employee ($millions) | 7.7339% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.9112% | 25 |
| Loan loss allowance to noncurrent loans | 70.7464% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 10.0113% | 264 |
| Noncurrent loans to loans | 12.5960% | 153 |
| Net loans and leases to total assets | 61.2203% | 3,587 |
| Net loans and leases to deposits | 72.7801% | 3,489 |
| Net loans and leases to core deposits | 77.9055% | 3,531 |
| Total domestic deposits to total assets | 84.1167% | 4,268 |
| Equity capital to assets | 2.6429% | 7,196 |
| Core capital (leverage) ratio | 2.2878% | 7,205 |
| Tier 1 risk-based capital ratio | 4.2723% | 7,178 |
| Total risk-based capital ratio | 5.6229% | 7,178 |
| Memoranda: | ||
| Average total assets | $139,142,330 | 4,028 |
| Average earning assets | $133,686,330 | 3,890 |
| Average equity | $3,485,000 | 6,810 |
| Average total loans | $87,168,000 | 3,877 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4975% | 6,703 |
| Cost of funding earning assets | 0.9819% | 2,090 |
| Net interest margin | 2.5155% | 6,945 |
| Noninterest income to average assets | -0.1062% | 7,171 |
| Noninterest expense to average assets | 4.4324% | 580 |
| Loan and lease loss provision to assets | -1.3536% | 7,293 |
| Net operating income to assets | -0.7644% | 6,942 |
| Return on assets (ROA) | -0.7644% | 6,960 |
| Pretax return on assets | -0.7644% | 6,922 |
| Return on Equity (ROE) | -31.1815% | 7,172 |
| Retained earnings to average equity (ytd only) | -31.1815% | 7,144 |
| Net charge-offs to loans | 0.5013% | 1,833 |
| Credit loss provision to net charge-offs | -443.4783% | 5,757 |
| Earnings coverage of net charge-offs (x) | -6.9391% | 4,681 |
| Efficiency ratio | 191.5138% | 45 |
| Assets per employee ($millions) | 6.6922% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7774% | 20 |
| Loan loss allowance to noncurrent loans | 56.5776% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 10.3126% | 279 |
| Noncurrent loans to loans | 15.5140% | 114 |
| Net loans and leases to total assets | 53.7968% | 4,757 |
| Net loans and leases to deposits | 61.7325% | 4,958 |
| Net loans and leases to core deposits | 66.2136% | 4,890 |
| Total domestic deposits to total assets | 87.1451% | 2,862 |
| Equity capital to assets | 2.4058% | 7,263 |
| Core capital (leverage) ratio | 2.2079% | 7,270 |
| Tier 1 risk-based capital ratio | 4.6641% | 7,227 |
| Total risk-based capital ratio | 6.0268% | 7,225 |
| Memoranda: | ||
| Average total assets | $150,709,000 | 3,858 |
| Average earning assets | $145,019,500 | 3,715 |
| Average equity | $3,694,500 | 6,800 |
| Average total loans | $91,767,500 | 3,786 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7604% | 6,770 |
| Cost of funding earning assets | 1.0276% | 3,178 |
| Net interest margin | 2.7329% | 6,900 |
| Noninterest income to average assets | -0.2590% | 7,182 |
| Noninterest expense to average assets | 4.9546% | 392 |
| Loan and lease loss provision to assets | 0.8634% | 1,121 |
| Net operating income to assets | -3.4585% | 7,220 |
| Return on assets (ROA) | -3.3488% | 7,219 |
| Pretax return on assets | -3.3488% | 7,220 |
| Return on Equity (ROE) | -92.9996% | 7,303 |
| Retained earnings to average equity (ytd only) | -92.9996% | 7,303 |
| Net charge-offs to loans | 5.6907% | 54 |
| Credit loss provision to net charge-offs | 22.9775% | 5,880 |
| Earnings coverage of net charge-offs (x) | -0.6906% | 6,142 |
| Efficiency ratio | 209.9873% | 52 |
| Assets per employee ($millions) | 7.0086% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5265% | 25 |
| Loan loss allowance to noncurrent loans | 58.6361% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 10.6589% | 284 |
| Noncurrent loans to loans | 14.5414% | 140 |
| Net loans and leases to total assets | 57.3734% | 4,486 |
| Net loans and leases to deposits | 65.7002% | 4,778 |
| Net loans and leases to core deposits | 71.7062% | 4,565 |
| Total domestic deposits to total assets | 87.3260% | 2,567 |
| Equity capital to assets | 2.4950% | 7,295 |
| Core capital (leverage) ratio | 2.4199% | 7,297 |
| Tier 1 risk-based capital ratio | 4.5257% | 7,260 |
| Total risk-based capital ratio | 5.8842% | 7,259 |
| Memoranda: | ||
| Average total assets | $166,775,400 | 3,542 |
| Average earning assets | $159,795,000 | 3,412 |
| Average equity | $6,005,400 | 6,158 |
| Average total loans | $110,126,600 | 3,379 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8121% | 6,826 |
| Cost of funding earning assets | 1.0184% | 3,539 |
| Net interest margin | 2.7937% | 6,893 |
| Noninterest income to average assets | 0.1365% | 6,570 |
| Noninterest expense to average assets | 5.3278% | 282 |
| Loan and lease loss provision to assets | 1.7969% | 335 |
| Net operating income to assets | -4.3148% | 7,351 |
| Return on assets (ROA) | -4.1712% | 7,343 |
| Pretax return on assets | -4.1712% | 7,343 |
| Return on Equity (ROE) | -108.2937% | 7,384 |
| Retained earnings to average equity (ytd only) | -108.2937% | 7,384 |
| Net charge-offs to loans | 7.2245% | 31 |
| Credit loss provision to net charge-offs | 37.2418% | 5,294 |
| Earnings coverage of net charge-offs (x) | -0.5219% | 5,837 |
| Efficiency ratio | 189.6118% | 58 |
| Assets per employee ($millions) | 5.8832% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.9880% | 19 |
| Loan loss allowance to noncurrent loans | 64.3795% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 10.9974% | 293 |
| Noncurrent loans to loans | 13.9610% | 163 |
| Net loans and leases to total assets | 60.9951% | 3,944 |
| Net loans and leases to deposits | 69.9322% | 4,313 |
| Net loans and leases to core deposits | 76.5112% | 4,131 |
| Total domestic deposits to total assets | 87.2204% | 2,515 |
| Equity capital to assets | 2.6954% | 7,373 |
| Core capital (leverage) ratio | 2.5352% | 7,373 |
| Tier 1 risk-based capital ratio | 4.5286% | 7,345 |
| Total risk-based capital ratio | 5.8917% | 7,342 |
| Memoranda: | ||
| Average total assets | $169,921,750 | 3,522 |
| Average earning assets | $162,601,250 | 3,373 |
| Average equity | $6,545,000 | 6,042 |
| Average total loans | $113,480,750 | 3,334 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8172% | 6,906 |
| Cost of funding earning assets | 1.0043% | 3,920 |
| Net interest margin | 2.8129% | 6,907 |
| Noninterest income to average assets | 0.1458% | 6,597 |
| Noninterest expense to average assets | 4.7182% | 474 |
| Loan and lease loss provision to assets | 1.5378% | 456 |
| Net operating income to assets | -3.4208% | 7,356 |
| Return on assets (ROA) | -3.2123% | 7,335 |
| Pretax return on assets | -3.2123% | 7,328 |
| Return on Equity (ROE) | -76.7104% | 7,417 |
| Retained earnings to average equity (ytd only) | -76.7104% | 7,414 |
| Net charge-offs to loans | 5.6140% | 100 |
| Credit loss provision to net charge-offs | 41.0584% | 4,802 |
| Earnings coverage of net charge-offs (x) | -0.5027% | 5,525 |
| Efficiency ratio | 166.4122% | 108 |
| Assets per employee ($millions) | 5.9818% | 1,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0720% | 16 |
| Loan loss allowance to noncurrent loans | 72.7160% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 11.6321% | 277 |
| Noncurrent loans to loans | 13.8511% | 168 |
| Net loans and leases to total assets | 63.9239% | 3,477 |
| Net loans and leases to deposits | 74.3731% | 3,742 |
| Net loans and leases to core deposits | 79.7010% | 3,829 |
| Total domestic deposits to total assets | 85.9503% | 3,351 |
| Equity capital to assets | 4.2346% | 7,373 |
| Core capital (leverage) ratio | 4.0011% | 7,375 |
| Tier 1 risk-based capital ratio | 6.8076% | 7,324 |
| Total risk-based capital ratio | 8.1859% | 7,319 |
| Memoranda: | ||
| Average total assets | $175,574,670 | 3,441 |
| Average earning assets | $167,872,330 | 3,312 |
| Average equity | $7,352,330 | 5,818 |
| Average total loans | $117,136,330 | 3,286 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7171% | 7,054 |
| Cost of funding earning assets | 0.9948% | 4,236 |
| Net interest margin | 2.7223% | 6,992 |
| Noninterest income to average assets | 0.1487% | 6,661 |
| Noninterest expense to average assets | 4.2048% | 813 |
| Loan and lease loss provision to assets | 1.5086% | 423 |
| Net operating income to assets | -2.9461% | 7,390 |
| Return on assets (ROA) | -2.5517% | 7,348 |
| Pretax return on assets | -2.5517% | 7,333 |
| Return on Equity (ROE) | -61.2242% | 7,442 |
| Retained earnings to average equity (ytd only) | -61.2242% | 7,433 |
| Net charge-offs to loans | 2.3583% | 507 |
| Credit loss provision to net charge-offs | 98.5915% | 2,771 |
| Earnings coverage of net charge-offs (x) | -0.9394% | 4,888 |
| Efficiency ratio | 151.9470% | 151 |
| Assets per employee ($millions) | 7.2087% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.1858% | 16 |
| Loan loss allowance to noncurrent loans | 96.3277% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 8.5650% | 530 |
| Noncurrent loans to loans | 11.6122% | 302 |
| Net loans and leases to total assets | 55.3389% | 5,102 |
| Net loans and leases to deposits | 62.7736% | 5,411 |
| Net loans and leases to core deposits | 67.2932% | 5,383 |
| Total domestic deposits to total assets | 88.1563% | 2,287 |
| Equity capital to assets | 3.7215% | 7,456 |
| Core capital (leverage) ratio | 3.8980% | 7,446 |
| Tier 1 risk-based capital ratio | 7.0101% | 7,367 |
| Total risk-based capital ratio | 8.4071% | 7,357 |
| Memoranda: | ||
| Average total assets | $185,598,500 | 3,307 |
| Average earning assets | $178,526,500 | 3,175 |
| Average equity | $7,735,500 | 5,696 |
| Average total loans | $120,427,500 | 3,251 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9952% | 7,140 |
| Cost of funding earning assets | 1.3938% | 3,308 |
| Net interest margin | 2.6014% | 7,204 |
| Noninterest income to average assets | -0.1420% | 7,430 |
| Noninterest expense to average assets | 3.4738% | 2,244 |
| Loan and lease loss provision to assets | 10.1784% | 3 |
| Net operating income to assets | -12.8060% | 7,648 |
| Return on assets (ROA) | -12.6976% | 7,648 |
| Pretax return on assets | -11.2116% | 7,645 |
| Return on Equity (ROE) | -180.3131% | 7,643 |
| Retained earnings to average equity (ytd only) | -180.3131% | 7,643 |
| Net charge-offs to loans | 8.3545% | 31 |
| Credit loss provision to net charge-offs | 188.6372% | 1,717 |
| Earnings coverage of net charge-offs (x) | -0.2116% | 6,299 |
| Efficiency ratio | 148.9497% | 218 |
| Assets per employee ($millions) | 7.0682% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.5365% | 19 |
| Loan loss allowance to noncurrent loans | 104.9787% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 8.2194% | 592 |
| Noncurrent loans to loans | 10.0368% | 424 |
| Net loans and leases to total assets | 60.4009% | 4,606 |
| Net loans and leases to deposits | 69.3763% | 4,897 |
| Net loans and leases to core deposits | 74.0899% | 4,972 |
| Total domestic deposits to total assets | 87.0628% | 2,788 |
| Equity capital to assets | 4.6231% | 7,469 |
| Core capital (leverage) ratio | 4.1557% | 7,483 |
| Tier 1 risk-based capital ratio | 7.4766% | 7,391 |
| Total risk-based capital ratio | 8.8594% | 7,383 |
| Memoranda: | ||
| Average total assets | $202,085,600 | 3,074 |
| Average earning assets | $192,207,600 | 2,969 |
| Average equity | $14,230,800 | 4,094 |
| Average total loans | $130,516,600 | 3,115 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9643% | 7,309 |
| Cost of funding earning assets | 1.4757% | 3,118 |
| Net interest margin | 2.4886% | 7,387 |
| Noninterest income to average assets | -0.9735% | 7,725 |
| Noninterest expense to average assets | 2.4271% | 5,950 |
| Loan and lease loss provision to assets | 12.5921% | 4 |
| Net operating income to assets | -15.5682% | 7,754 |
| Return on assets (ROA) | -15.5682% | 7,754 |
| Pretax return on assets | -13.6308% | 7,750 |
| Return on Equity (ROE) | -205.3935% | 7,747 |
| Retained earnings to average equity (ytd only) | -205.3935% | 7,747 |
| Net charge-offs to loans | 11.1970% | 16 |
| Credit loss provision to net charge-offs | 175.9012% | 2,095 |
| Earnings coverage of net charge-offs (x) | -0.1451% | 6,145 |
| Efficiency ratio | 174.8141% | 125 |
| Assets per employee ($millions) | 7.6095% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.4446% | 25 |
| Loan loss allowance to noncurrent loans | 102.3268% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 6.7250% | 834 |
| Noncurrent loans to loans | 9.2298% | 504 |
| Net loans and leases to total assets | 55.2072% | 5,669 |
| Net loans and leases to deposits | 63.0686% | 6,018 |
| Net loans and leases to core deposits | 67.6139% | 5,982 |
| Total domestic deposits to total assets | 87.5351% | 2,242 |
| Equity capital to assets | 4.9718% | 7,580 |
| Core capital (leverage) ratio | 4.3357% | 7,604 |
| Tier 1 risk-based capital ratio | 8.1055% | 7,473 |
| Total risk-based capital ratio | 9.4675% | 7,468 |
| Memoranda: | ||
| Average total assets | $206,664,000 | 3,056 |
| Average earning assets | $196,146,000 | 2,970 |
| Average equity | $15,664,500 | 3,865 |
| Average total loans | $132,127,500 | 3,143 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0008% | 7,363 |
| Cost of funding earning assets | 1.5007% | 3,257 |
| Net interest margin | 2.5001% | 7,420 |
| Noninterest income to average assets | -0.1970% | 7,678 |
| Noninterest expense to average assets | 2.6755% | 5,011 |
| Loan and lease loss provision to assets | 6.4714% | 64 |
| Net operating income to assets | -6.8577% | 7,766 |
| Return on assets (ROA) | -6.8577% | 7,770 |
| Pretax return on assets | -6.9881% | 7,764 |
| Return on Equity (ROE) | -81.2311% | 7,703 |
| Retained earnings to average equity (ytd only) | -81.2311% | 7,701 |
| Net charge-offs to loans | 7.5392% | 72 |
| Credit loss provision to net charge-offs | 132.2281% | 3,046 |
| Earnings coverage of net charge-offs (x) | -0.1056% | 5,804 |
| Efficiency ratio | 123.9374% | 363 |
| Assets per employee ($millions) | 8.1809% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7678% | 445 |
| Loan loss allowance to noncurrent loans | 63.8101% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 4.6757% | 1,387 |
| Noncurrent loans to loans | 5.9047% | 1,090 |
| Net loans and leases to total assets | 58.2882% | 5,368 |
| Net loans and leases to deposits | 68.6114% | 5,472 |
| Net loans and leases to core deposits | 74.0496% | 5,439 |
| Total domestic deposits to total assets | 84.9542% | 3,657 |
| Equity capital to assets | 8.0820% | 6,671 |
| Core capital (leverage) ratio | 6.5818% | 7,354 |
| Tier 1 risk-based capital ratio | 11.1102% | 6,132 |
| Total risk-based capital ratio | 12.3908% | 6,092 |
| Memoranda: | ||
| Average total assets | $207,066,330 | 3,079 |
| Average earning assets | $195,112,330 | 3,004 |
| Average equity | $17,481,000 | 3,549 |
| Average total loans | $134,417,670 | 3,113 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0591% | 7,408 |
| Cost of funding earning assets | 1.4354% | 3,960 |
| Net interest margin | 2.6237% | 7,366 |
| Noninterest income to average assets | 0.0080% | 7,631 |
| Noninterest expense to average assets | 2.2682% | 6,484 |
| Loan and lease loss provision to assets | 1.4988% | 779 |
| Net operating income to assets | -1.0272% | 7,121 |
| Return on assets (ROA) | -1.0272% | 7,142 |
| Pretax return on assets | -1.2970% | 7,182 |
| Return on Equity (ROE) | -11.8875% | 7,209 |
| Retained earnings to average equity (ytd only) | -11.8875% | 7,061 |
| Net charge-offs to loans | 1.8437% | 937 |
| Credit loss provision to net charge-offs | 120.7729% | 2,890 |
| Earnings coverage of net charge-offs (x) | 0.1626% | 4,887 |
| Efficiency ratio | 91.8285% | 1,289 |
| Assets per employee ($millions) | 8.0876% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6154% | 1,162 |
| Loan loss allowance to noncurrent loans | 53.4371% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 4.5349% | 1,488 |
| Noncurrent loans to loans | 4.8944% | 1,486 |
| Net loans and leases to total assets | 65.1371% | 4,075 |
| Net loans and leases to deposits | 77.7790% | 4,087 |
| Net loans and leases to core deposits | 82.1267% | 4,471 |
| Total domestic deposits to total assets | 83.7464% | 4,265 |
| Equity capital to assets | 8.6711% | 5,769 |
| Core capital (leverage) ratio | 7.4592% | 6,892 |
| Tier 1 risk-based capital ratio | 10.6678% | 6,476 |
| Total risk-based capital ratio | 11.9279% | 6,451 |
| Memoranda: | ||
| Average total assets | $200,157,000 | 3,213 |
| Average earning assets | $187,823,000 | 3,148 |
| Average equity | $17,295,500 | 3,605 |
| Average total loans | $134,731,000 | 3,168 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7988% | 6,956 |
| Cost of funding earning assets | 1.9469% | 3,229 |
| Net interest margin | 2.8518% | 6,960 |
| Noninterest income to average assets | -0.0023% | 7,713 |
| Noninterest expense to average assets | 2.6670% | 5,525 |
| Loan and lease loss provision to assets | 3.4940% | 442 |
| Net operating income to assets | -1.7135% | 6,967 |
| Return on assets (ROA) | -1.7135% | 6,975 |
| Pretax return on assets | -3.4478% | 7,404 |
| Return on Equity (ROE) | -18.6942% | 7,097 |
| Retained earnings to average equity (ytd only) | -18.6942% | 7,056 |
| Net charge-offs to loans | 3.4809% | 557 |
| Credit loss provision to net charge-offs | 124.8968% | 4,196 |
| Earnings coverage of net charge-offs (x) | 0.0165% | 6,174 |
| Efficiency ratio | 98.2971% | 1,197 |
| Assets per employee ($millions) | 9.4345% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5383% | 1,180 |
| Loan loss allowance to noncurrent loans | 59.1390% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 3.9531% | 1,674 |
| Noncurrent loans to loans | 4.2920% | 1,686 |
| Net loans and leases to total assets | 66.0280% | 4,140 |
| Net loans and leases to deposits | 78.9249% | 4,187 |
| Net loans and leases to core deposits | 92.3406% | 4,841 |
| Total domestic deposits to total assets | 83.6593% | 4,201 |
| Equity capital to assets | 8.6102% | 5,714 |
| Core capital (leverage) ratio | 7.9561% | 6,252 |
| Tier 1 risk-based capital ratio | 10.3961% | 6,500 |
| Total risk-based capital ratio | 11.6645% | 6,455 |
| Memoranda: | ||
| Average total assets | $173,156,400 | 3,553 |
| Average earning assets | $164,876,000 | 3,425 |
| Average equity | $15,871,200 | 3,891 |
| Average total loans | $139,157,600 | 3,103 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9693% | 6,701 |
| Cost of funding earning assets | 2.0828% | 2,968 |
| Net interest margin | 2.8865% | 6,882 |
| Noninterest income to average assets | -0.0359% | 7,883 |
| Noninterest expense to average assets | 2.7630% | 5,052 |
| Loan and lease loss provision to assets | 3.3430% | 410 |
| Net operating income to assets | -1.5225% | 7,128 |
| Return on assets (ROA) | -1.5225% | 7,123 |
| Pretax return on assets | -3.3877% | 7,593 |
| Return on Equity (ROE) | -16.3171% | 7,251 |
| Retained earnings to average equity (ytd only) | -16.3171% | 7,204 |
| Net charge-offs to loans | 3.2470% | 498 |
| Credit loss provision to net charge-offs | 122.4042% | 4,140 |
| Earnings coverage of net charge-offs (x) | -0.0164% | 6,086 |
| Efficiency ratio | 101.6456% | 994 |
| Assets per employee ($millions) | 7.5734% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1408% | 1,517 |
| Loan loss allowance to noncurrent loans | 30.8196% | 6,399 |
| Noncurrent assets plus other real estate owned to assets | 6.6417% | 749 |
| Noncurrent loans to loans | 6.9462% | 776 |
| Net loans and leases to total assets | 77.8624% | 1,600 |
| Net loans and leases to deposits | 95.1648% | 1,688 |
| Net loans and leases to core deposits | 114.8856% | 2,741 |
| Total domestic deposits to total assets | 81.8185% | 4,756 |
| Equity capital to assets | 9.3244% | 4,995 |
| Core capital (leverage) ratio | 8.2428% | 5,936 |
| Tier 1 risk-based capital ratio | 10.0599% | 6,917 |
| Total risk-based capital ratio | 11.3243% | 6,854 |
| Memoranda: | ||
| Average total assets | $166,914,250 | 3,682 |
| Average earning assets | $159,268,250 | 3,562 |
| Average equity | $15,574,250 | 3,988 |
| Average total loans | $140,390,750 | 3,108 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0692% | 6,547 |
| Cost of funding earning assets | 2.2162% | 2,717 |
| Net interest margin | 2.8530% | 6,903 |
| Noninterest income to average assets | -0.2590% | 8,084 |
| Noninterest expense to average assets | 2.6470% | 5,570 |
| Loan and lease loss provision to assets | 2.7783% | 548 |
| Net operating income to assets | -0.9715% | 6,958 |
| Return on assets (ROA) | -0.9715% | 6,958 |
| Pretax return on assets | -2.9607% | 7,561 |
| Return on Equity (ROE) | -10.4093% | 7,066 |
| Retained earnings to average equity (ytd only) | -10.4093% | 6,915 |
| Net charge-offs to loans | 2.4739% | 704 |
| Credit loss provision to net charge-offs | 131.0206% | 3,561 |
| Earnings coverage of net charge-offs (x) | -0.0860% | 5,783 |
| Efficiency ratio | 107.4001% | 929 |
| Assets per employee ($millions) | 7.2867% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9624% | 1,649 |
| Loan loss allowance to noncurrent loans | 31.2792% | 6,379 |
| Noncurrent assets plus other real estate owned to assets | 6.1672% | 778 |
| Noncurrent loans to loans | 6.2738% | 863 |
| Net loans and leases to total assets | 81.7059% | 1,008 |
| Net loans and leases to deposits | 101.1583% | 1,157 |
| Net loans and leases to core deposits | 122.2274% | 2,191 |
| Total domestic deposits to total assets | 80.7703% | 5,166 |
| Equity capital to assets | 10.0033% | 3,935 |
| Core capital (leverage) ratio | 8.9770% | 4,671 |
| Tier 1 risk-based capital ratio | 10.5962% | 6,299 |
| Total risk-based capital ratio | 11.8543% | 6,227 |
| Memoranda: | ||
| Average total assets | $164,489,670 | 3,728 |
| Average earning assets | $157,026,330 | 3,612 |
| Average equity | $15,351,670 | 4,049 |
| Average total loans | $140,989,670 | 3,126 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1234% | 6,579 |
| Cost of funding earning assets | 2.4115% | 2,247 |
| Net interest margin | 2.7119% | 7,175 |
| Noninterest income to average assets | -0.0736% | 8,122 |
| Noninterest expense to average assets | 2.4083% | 6,163 |
| Loan and lease loss provision to assets | 4.6276% | 190 |
| Net operating income to assets | -1.1244% | 7,318 |
| Return on assets (ROA) | -1.1244% | 7,329 |
| Pretax return on assets | -4.5171% | 7,954 |
| Return on Equity (ROE) | -12.5094% | 7,496 |
| Retained earnings to average equity (ytd only) | -12.5094% | 7,292 |
| Net charge-offs to loans | 4.0580% | 296 |
| Credit loss provision to net charge-offs | 131.1761% | 3,059 |
| Earnings coverage of net charge-offs (x) | 0.0313% | 4,953 |
| Efficiency ratio | 95.6140% | 1,333 |
| Assets per employee ($millions) | 7.3387% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8826% | 1,666 |
| Loan loss allowance to noncurrent loans | 35.9138% | 6,165 |
| Noncurrent assets plus other real estate owned to assets | 5.5382% | 767 |
| Noncurrent loans to loans | 5.2419% | 1,017 |
| Net loans and leases to total assets | 81.7958% | 1,046 |
| Net loans and leases to deposits | 101.4513% | 1,239 |
| Net loans and leases to core deposits | 123.9832% | 2,081 |
| Total domestic deposits to total assets | 80.6257% | 5,123 |
| Equity capital to assets | 9.4223% | 4,780 |
| Core capital (leverage) ratio | 8.6026% | 5,337 |
| Tier 1 risk-based capital ratio | 9.9932% | 6,934 |
| Total risk-based capital ratio | 11.2355% | 6,844 |
| Memoranda: | ||
| Average total assets | $162,937,000 | 3,775 |
| Average earning assets | $155,756,500 | 3,650 |
| Average equity | $14,645,000 | 4,203 |
| Average total loans | $141,646,500 | 3,141 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4922% | 2,996 |
| Cost of funding earning assets | 2.4828% | 4,298 |
| Net interest margin | 4.0094% | 3,067 |
| Noninterest income to average assets | 0.1304% | 7,460 |
| Noninterest expense to average assets | 2.5073% | 5,977 |
| Loan and lease loss provision to assets | 3.6118% | 215 |
| Net operating income to assets | -2.1451% | 7,637 |
| Return on assets (ROA) | -2.1451% | 7,596 |
| Pretax return on assets | -2.1451% | 7,484 |
| Return on Equity (ROE) | -22.8980% | 7,823 |
| Retained earnings to average equity (ytd only) | -22.8980% | 7,756 |
| Net charge-offs to loans | 3.4762% | 227 |
| Credit loss provision to net charge-offs | 115.2895% | 4,688 |
| Earnings coverage of net charge-offs (x) | 0.4682% | 5,956 |
| Efficiency ratio | 63.0929% | 5,762 |
| Assets per employee ($millions) | 6.8297% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5437% | 2,477 |
| Loan loss allowance to noncurrent loans | 86.6877% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 2.8125% | 1,670 |
| Noncurrent loans to loans | 1.7808% | 3,089 |
| Net loans and leases to total assets | 89.3661% | 246 |
| Net loans and leases to deposits | 111.2821% | 752 |
| Net loans and leases to core deposits | 140.1967% | 1,257 |
| Total domestic deposits to total assets | 80.3060% | 4,906 |
| Equity capital to assets | 8.5216% | 6,052 |
| Core capital (leverage) ratio | 8.6742% | 5,246 |
| Tier 1 risk-based capital ratio | 9.7407% | 7,029 |
| Total risk-based capital ratio | 10.9880% | 6,943 |
| Memoranda: | ||
| Average total assets | $154,909,200 | 3,806 |
| Average earning assets | $148,500,200 | 3,684 |
| Average equity | $14,512,200 | 4,236 |
| Average total loans | $139,608,000 | 3,105 |