Home > Bank of Texas > Performance and Condition Ratios
Bank of Texas, 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 | 3.2947% | 7,095 |
| Cost of funding earning assets | 0.2718% | 7,148 |
| Net interest margin | 3.0228% | 6,495 |
| Noninterest income to average assets | 0.6552% | 2,858 |
| Noninterest expense to average assets | 4.8936% | 411 |
| Loan and lease loss provision to assets | 0.0993% | 5,347 |
| Net operating income to assets | -1.0483% | 6,762 |
| Return on assets (ROA) | -1.0483% | 6,783 |
| Pretax return on assets | -1.6294% | 6,925 |
| Return on Equity (ROE) | -9.8278% | 6,734 |
| Retained earnings to average equity (ytd only) | -9.8278% | 6,697 |
| Net charge-offs to loans | 0.5032% | 2,980 |
| Credit loss provision to net charge-offs | 48.3871% | 5,460 |
| Earnings coverage of net charge-offs (x) | -7.4581% | 6,380 |
| Efficiency ratio | 145.4939% | 159 |
| Assets per employee ($millions) | 3.7105% | 4,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5958% | 1,199 |
| Loan loss allowance to noncurrent loans | 213.0952% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.4800% | 5,770 |
| Noncurrent loans to loans | 1.2181% | 4,331 |
| Net loans and leases to total assets | 34.4802% | 6,848 |
| Net loans and leases to deposits | 38.1482% | 6,943 |
| Net loans and leases to core deposits | 38.2874% | 6,997 |
| Total domestic deposits to total assets | 90.3850% | 771 |
| Equity capital to assets | 9.5521% | 4,801 |
| Core capital (leverage) ratio | 8.8389% | 5,038 |
| Tier 1 risk-based capital ratio | 22.7651% | 1,125 |
| Total risk-based capital ratio | 24.0296% | 1,104 |
| Memoranda: | ||
| Average total assets | $75,547,400 | 5,588 |
| Average earning assets | $67,685,000 | 5,625 |
| Average equity | $8,058,800 | 5,554 |
| Average total loans | $30,804,000 | 6,127 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4100% | 7,135 |
| Cost of funding earning assets | 0.2860% | 7,227 |
| Net interest margin | 3.1240% | 6,351 |
| Noninterest income to average assets | 0.4821% | 4,022 |
| Noninterest expense to average assets | 3.8636% | 1,207 |
| Loan and lease loss provision to assets | 0.1334% | 4,762 |
| Net operating income to assets | -0.4465% | 6,611 |
| Return on assets (ROA) | -0.4465% | 6,654 |
| Pretax return on assets | -0.7169% | 6,745 |
| Return on Equity (ROE) | -4.0749% | 6,633 |
| Retained earnings to average equity (ytd only) | -4.0749% | 6,521 |
| Net charge-offs to loans | 0.6032% | 2,443 |
| Credit loss provision to net charge-offs | 52.4476% | 4,983 |
| Earnings coverage of net charge-offs (x) | -2.2937% | 6,037 |
| Efficiency ratio | 117.7874% | 327 |
| Assets per employee ($millions) | 2.9715% | 6,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3841% | 1,562 |
| Loan loss allowance to noncurrent loans | 2,800.0000% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 6,731 |
| Noncurrent loans to loans | 0.0851% | 6,721 |
| Net loans and leases to total assets | 41.7957% | 6,515 |
| Net loans and leases to deposits | 47.2033% | 6,674 |
| Net loans and leases to core deposits | 47.3932% | 6,787 |
| Total domestic deposits to total assets | 88.5439% | 1,726 |
| Equity capital to assets | 11.3383% | 2,825 |
| Core capital (leverage) ratio | 10.2294% | 3,157 |
| Tier 1 risk-based capital ratio | 23.4736% | 1,079 |
| Total risk-based capital ratio | 24.7363% | 1,058 |
| Memoranda: | ||
| Average total assets | $74,954,250 | 5,649 |
| Average earning assets | $67,134,000 | 5,680 |
| Average equity | $8,212,750 | 5,535 |
| Average total loans | $31,609,250 | 6,160 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4014% | 7,214 |
| Cost of funding earning assets | 0.2898% | 7,323 |
| Net interest margin | 3.1116% | 6,382 |
| Noninterest income to average assets | 0.4648% | 4,150 |
| Noninterest expense to average assets | 3.8179% | 1,323 |
| Loan and lease loss provision to assets | 0.1969% | 3,960 |
| Net operating income to assets | -0.4753% | 6,670 |
| Return on assets (ROA) | -0.4753% | 6,695 |
| Pretax return on assets | -0.7589% | 6,802 |
| Return on Equity (ROE) | -4.3852% | 6,671 |
| Retained earnings to average equity (ytd only) | -4.3852% | 6,513 |
| Net charge-offs to loans | 0.0125% | 5,673 |
| Credit loss provision to net charge-offs | 3,750.0000% | 81 |
| Earnings coverage of net charge-offs (x) | -107.0000% | 5,867 |
| Efficiency ratio | 117.2581% | 373 |
| Assets per employee ($millions) | 3.0193% | 6,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8415% | 1,039 |
| Loan loss allowance to noncurrent loans | 3,103.5714% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 6,658 |
| Noncurrent loans to loans | 0.0916% | 6,748 |
| Net loans and leases to total assets | 41.0044% | 6,668 |
| Net loans and leases to deposits | 46.2618% | 6,814 |
| Net loans and leases to core deposits | 46.2618% | 6,922 |
| Total domestic deposits to total assets | 88.6356% | 1,759 |
| Equity capital to assets | 11.2623% | 2,715 |
| Core capital (leverage) ratio | 10.3674% | 2,862 |
| Tier 1 risk-based capital ratio | 23.6839% | 1,038 |
| Total risk-based capital ratio | 24.9540% | 1,023 |
| Memoranda: | ||
| Average total assets | $76,167,000 | 5,649 |
| Average earning assets | $68,325,000 | 5,684 |
| Average equity | $8,255,000 | 5,536 |
| Average total loans | $31,967,330 | 6,201 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3940% | 7,269 |
| Cost of funding earning assets | 0.2909% | 7,400 |
| Net interest margin | 3.1031% | 6,345 |
| Noninterest income to average assets | 0.4153% | 4,584 |
| Noninterest expense to average assets | 3.7222% | 1,494 |
| Loan and lease loss provision to assets | 0.1948% | 3,679 |
| Net operating income to assets | -0.4460% | 6,770 |
| Return on assets (ROA) | -0.4460% | 6,781 |
| Pretax return on assets | -0.7126% | 6,878 |
| Return on Equity (ROE) | -4.1918% | 6,757 |
| Retained earnings to average equity (ytd only) | -4.1918% | 6,441 |
| Net charge-offs to loans | -0.1225% | 7,140 |
| Credit loss provision to net charge-offs | -380.0000% | 5,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.1600% | 394 |
| Assets per employee ($millions) | 3.0551% | 6,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6182% | 1,291 |
| Loan loss allowance to noncurrent loans | 2,411.4286% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 6,698 |
| Noncurrent loans to loans | 0.1086% | 6,779 |
| Net loans and leases to total assets | 42.8139% | 6,557 |
| Net loans and leases to deposits | 48.2880% | 6,737 |
| Net loans and leases to core deposits | 48.2880% | 6,864 |
| Total domestic deposits to total assets | 88.6637% | 1,979 |
| Equity capital to assets | 11.2572% | 2,449 |
| Core capital (leverage) ratio | 10.2762% | 2,832 |
| Tier 1 risk-based capital ratio | 22.7999% | 1,110 |
| Total risk-based capital ratio | 24.0644% | 1,092 |
| Memoranda: | ||
| Average total assets | $78,019,000 | 5,644 |
| Average earning assets | $70,123,500 | 5,662 |
| Average equity | $8,302,000 | 5,521 |
| Average total loans | $32,660,000 | 6,204 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0691% | 7,074 |
| Cost of funding earning assets | 0.5420% | 7,240 |
| Net interest margin | 3.5271% | 5,124 |
| Noninterest income to average assets | 0.3147% | 5,544 |
| Noninterest expense to average assets | 4.2340% | 870 |
| Loan and lease loss provision to assets | 0.5975% | 2,750 |
| Net operating income to assets | -0.9174% | 6,637 |
| Return on assets (ROA) | -0.9174% | 6,666 |
| Pretax return on assets | -1.4326% | 6,829 |
| Return on Equity (ROE) | -7.8530% | 6,613 |
| Retained earnings to average equity (ytd only) | -7.8530% | 6,524 |
| Net charge-offs to loans | 1.7826% | 1,188 |
| Credit loss provision to net charge-offs | 68.8073% | 5,898 |
| Earnings coverage of net charge-offs (x) | -0.9618% | 6,596 |
| Efficiency ratio | 124.5703% | 361 |
| Assets per employee ($millions) | 3.4465% | 5,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4060% | 1,538 |
| Loan loss allowance to noncurrent loans | 194.1463% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.9672% | 5,071 |
| Noncurrent loans to loans | 1.2393% | 4,649 |
| Net loans and leases to total assets | 39.0348% | 7,020 |
| Net loans and leases to deposits | 43.5930% | 7,131 |
| Net loans and leases to core deposits | 43.5930% | 7,214 |
| Total domestic deposits to total assets | 89.5437% | 1,361 |
| Equity capital to assets | 10.0948% | 3,623 |
| Core capital (leverage) ratio | 10.7833% | 2,318 |
| Tier 1 risk-based capital ratio | 23.2397% | 1,006 |
| Total risk-based capital ratio | 24.5012% | 989 |
| Memoranda: | ||
| Average total assets | $75,318,200 | 5,733 |
| Average earning assets | $65,861,800 | 5,805 |
| Average equity | $8,799,200 | 5,476 |
| Average total loans | $36,687,800 | 6,083 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3485% | 6,899 |
| Cost of funding earning assets | 0.6113% | 7,263 |
| Net interest margin | 3.7372% | 4,243 |
| Noninterest income to average assets | 0.4446% | 4,598 |
| Noninterest expense to average assets | 4.3555% | 702 |
| Loan and lease loss provision to assets | 0.5680% | 2,662 |
| Net operating income to assets | -0.7985% | 6,794 |
| Return on assets (ROA) | -0.7985% | 6,826 |
| Pretax return on assets | -1.2395% | 6,951 |
| Return on Equity (ROE) | -6.5831% | 6,764 |
| Retained earnings to average equity (ytd only) | -6.5831% | 6,683 |
| Net charge-offs to loans | 1.8906% | 1,013 |
| Credit loss provision to net charge-offs | 58.7242% | 5,728 |
| Earnings coverage of net charge-offs (x) | -0.6942% | 6,387 |
| Efficiency ratio | 118.2266% | 412 |
| Assets per employee ($millions) | 3.0176% | 6,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3448% | 1,557 |
| Loan loss allowance to noncurrent loans | 1,813.9535% | 213 |
| Noncurrent assets plus other real estate owned to assets | 2.6235% | 2,756 |
| Noncurrent loans to loans | 0.1293% | 6,918 |
| Net loans and leases to total assets | 44.8545% | 6,780 |
| Net loans and leases to deposits | 51.1639% | 6,937 |
| Net loans and leases to core deposits | 51.1639% | 7,077 |
| Total domestic deposits to total assets | 87.6683% | 2,179 |
| Equity capital to assets | 11.9189% | 2,209 |
| Core capital (leverage) ratio | 11.7125% | 1,810 |
| Tier 1 risk-based capital ratio | 22.8871% | 1,085 |
| Total risk-based capital ratio | 24.1465% | 1,057 |
| Memoranda: | ||
| Average total assets | $73,468,750 | 5,841 |
| Average earning assets | $63,683,000 | 5,928 |
| Average equity | $8,911,500 | 5,516 |
| Average total loans | $37,588,750 | 6,114 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5181% | 6,667 |
| Cost of funding earning assets | 0.6459% | 7,307 |
| Net interest margin | 3.8722% | 3,574 |
| Noninterest income to average assets | 0.5446% | 3,754 |
| Noninterest expense to average assets | 4.3025% | 727 |
| Loan and lease loss provision to assets | 0.4741% | 2,942 |
| Net operating income to assets | -0.5744% | 6,723 |
| Return on assets (ROA) | -0.5744% | 6,753 |
| Pretax return on assets | -0.8860% | 6,838 |
| Return on Equity (ROE) | -4.7087% | 6,670 |
| Retained earnings to average equity (ytd only) | -4.7087% | 6,518 |
| Net charge-offs to loans | 1.7832% | 1,044 |
| Credit loss provision to net charge-offs | 50.2874% | 5,408 |
| Earnings coverage of net charge-offs (x) | -0.4368% | 6,001 |
| Efficiency ratio | 110.5850% | 539 |
| Assets per employee ($millions) | 2.8120% | 6,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3264% | 1,545 |
| Loan loss allowance to noncurrent loans | 269.3811% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 3.1199% | 2,269 |
| Noncurrent loans to loans | 0.8636% | 5,543 |
| Net loans and leases to total assets | 47.4902% | 6,658 |
| Net loans and leases to deposits | 54.1289% | 6,854 |
| Net loans and leases to core deposits | 54.3969% | 7,018 |
| Total domestic deposits to total assets | 87.7353% | 2,146 |
| Equity capital to assets | 12.1471% | 2,015 |
| Core capital (leverage) ratio | 11.9797% | 1,649 |
| Tier 1 risk-based capital ratio | 22.1204% | 1,182 |
| Total risk-based capital ratio | 23.3819% | 1,158 |
| Memoranda: | ||
| Average total assets | $73,817,330 | 5,876 |
| Average earning assets | $63,787,330 | 5,961 |
| Average equity | $9,004,670 | 5,501 |
| Average total loans | $39,030,000 | 6,085 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6697% | 6,344 |
| Cost of funding earning assets | 0.6930% | 7,346 |
| Net interest margin | 3.9767% | 2,968 |
| Noninterest income to average assets | 0.4800% | 4,200 |
| Noninterest expense to average assets | 4.3144% | 712 |
| Loan and lease loss provision to assets | 0.2049% | 4,452 |
| Net operating income to assets | -0.3883% | 6,751 |
| Return on assets (ROA) | -0.3883% | 6,791 |
| Pretax return on assets | -0.6040% | 6,849 |
| Return on Equity (ROE) | -3.1765% | 6,755 |
| Retained earnings to average equity (ytd only) | -3.1765% | 6,386 |
| Net charge-offs to loans | 0.6868% | 2,116 |
| Credit loss provision to net charge-offs | 54.2857% | 4,418 |
| Earnings coverage of net charge-offs (x) | -1.0571% | 5,388 |
| Efficiency ratio | 110.1928% | 594 |
| Assets per employee ($millions) | 2.5934% | 7,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4814% | 1,320 |
| Loan loss allowance to noncurrent loans | 158.6885% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 3.3960% | 2,091 |
| Noncurrent loans to loans | 1.5637% | 4,400 |
| Net loans and leases to total assets | 52.3900% | 6,231 |
| Net loans and leases to deposits | 59.9234% | 6,476 |
| Net loans and leases to core deposits | 60.2232% | 6,727 |
| Total domestic deposits to total assets | 87.4282% | 2,396 |
| Equity capital to assets | 12.4410% | 1,786 |
| Core capital (leverage) ratio | 11.9552% | 1,669 |
| Tier 1 risk-based capital ratio | 20.7825% | 1,375 |
| Total risk-based capital ratio | 22.0452% | 1,348 |
| Memoranda: | ||
| Average total assets | $74,170,000 | 5,936 |
| Average earning assets | $64,072,500 | 6,030 |
| Average equity | $9,066,500 | 5,526 |
| Average total loans | $40,771,000 | 6,085 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4332% | 4,520 |
| Cost of funding earning assets | 0.9154% | 7,372 |
| Net interest margin | 4.5178% | 1,143 |
| Noninterest income to average assets | 0.3835% | 5,352 |
| Noninterest expense to average assets | 4.1901% | 1,108 |
| Loan and lease loss provision to assets | 2.0082% | 1,078 |
| Net operating income to assets | -1.2568% | 6,740 |
| Return on assets (ROA) | -1.2568% | 6,744 |
| Pretax return on assets | -1.9525% | 6,926 |
| Return on Equity (ROE) | -9.8230% | 6,613 |
| Retained earnings to average equity (ytd only) | -9.8230% | 6,507 |
| Net charge-offs to loans | 2.8277% | 779 |
| Credit loss provision to net charge-offs | 116.0180% | 4,680 |
| Earnings coverage of net charge-offs (x) | 0.0322% | 6,155 |
| Efficiency ratio | 98.6878% | 1,169 |
| Assets per employee ($millions) | 2.9125% | 6,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3512% | 1,409 |
| Loan loss allowance to noncurrent loans | 200.8032% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 3.1086% | 2,231 |
| Noncurrent loans to loans | 1.1709% | 4,988 |
| Net loans and leases to total assets | 54.8445% | 6,099 |
| Net loans and leases to deposits | 62.4714% | 6,416 |
| Net loans and leases to core deposits | 66.5262% | 6,957 |
| Total domestic deposits to total assets | 87.7914% | 2,077 |
| Equity capital to assets | 12.0158% | 2,032 |
| Core capital (leverage) ratio | 11.2964% | 2,045 |
| Tier 1 risk-based capital ratio | 19.3896% | 1,573 |
| Total risk-based capital ratio | 20.6517% | 1,534 |
| Memoranda: | ||
| Average total assets | $77,182,400 | 5,804 |
| Average earning assets | $65,983,800 | 5,931 |
| Average equity | $9,874,800 | 5,328 |
| Average total loans | $47,247,000 | 5,793 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5875% | 3,937 |
| Cost of funding earning assets | 0.9615% | 7,461 |
| Net interest margin | 4.6260% | 946 |
| Noninterest income to average assets | 0.4041% | 5,246 |
| Noninterest expense to average assets | 4.1574% | 1,076 |
| Loan and lease loss provision to assets | 0.7101% | 2,600 |
| Net operating income to assets | -0.3043% | 6,206 |
| Return on assets (ROA) | -0.3043% | 6,220 |
| Pretax return on assets | -0.5175% | 6,317 |
| Return on Equity (ROE) | -2.3438% | 6,146 |
| Retained earnings to average equity (ytd only) | -2.3438% | 5,788 |
| Net charge-offs to loans | 0.8811% | 2,205 |
| Credit loss provision to net charge-offs | 129.0625% | 3,885 |
| Earnings coverage of net charge-offs (x) | 0.3500% | 5,672 |
| Efficiency ratio | 95.5731% | 1,298 |
| Assets per employee ($millions) | 2.8655% | 6,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9817% | 1,844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.4571% | 2,800 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 56.1943% | 6,117 |
| Net loans and leases to deposits | 64.5922% | 6,441 |
| Net loans and leases to core deposits | 68.6114% | 7,037 |
| Total domestic deposits to total assets | 86.9987% | 2,182 |
| Equity capital to assets | 12.8087% | 1,782 |
| Core capital (leverage) ratio | 12.7610% | 1,464 |
| Tier 1 risk-based capital ratio | 19.9778% | 1,564 |
| Total risk-based capital ratio | 21.2337% | 1,513 |
| Memoranda: | ||
| Average total assets | $77,546,750 | 5,832 |
| Average earning assets | $66,145,750 | 5,963 |
| Average equity | $10,068,750 | 5,318 |
| Average total loans | $48,426,000 | 5,785 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6916% | 3,588 |
| Cost of funding earning assets | 1.0282% | 7,493 |
| Net interest margin | 4.6634% | 851 |
| Noninterest income to average assets | 0.5953% | 3,737 |
| Noninterest expense to average assets | 4.1569% | 1,119 |
| Loan and lease loss provision to assets | 0.1933% | 5,118 |
| Net operating income to assets | 0.1830% | 5,325 |
| Return on assets (ROA) | 0.1830% | 5,408 |
| Pretax return on assets | 0.2191% | 5,418 |
| Return on Equity (ROE) | 1.4029% | 5,496 |
| Retained earnings to average equity (ytd only) | 1.4029% | 4,555 |
| Net charge-offs to loans | 0.8959% | 1,907 |
| Credit loss provision to net charge-offs | 33.6323% | 5,981 |
| Earnings coverage of net charge-offs (x) | 0.7175% | 5,003 |
| Efficiency ratio | 90.9757% | 1,732 |
| Assets per employee ($millions) | 2.7469% | 6,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 4,049 |
| Loan loss allowance to noncurrent loans | 55.6234% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 4.1070% | 1,422 |
| Noncurrent loans to loans | 2.4059% | 3,004 |
| Net loans and leases to total assets | 63.4199% | 5,096 |
| Net loans and leases to deposits | 73.7160% | 5,493 |
| Net loans and leases to core deposits | 78.3529% | 6,525 |
| Total domestic deposits to total assets | 86.0327% | 2,775 |
| Equity capital to assets | 13.6437% | 1,440 |
| Core capital (leverage) ratio | 13.3409% | 1,315 |
| Tier 1 risk-based capital ratio | 18.4913% | 1,874 |
| Total risk-based capital ratio | 19.6750% | 1,846 |
| Memoranda: | ||
| Average total assets | $77,606,000 | 5,879 |
| Average earning assets | $66,132,000 | 6,000 |
| Average equity | $10,121,670 | 5,332 |
| Average total loans | $49,782,670 | 5,777 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7025% | 3,792 |
| Cost of funding earning assets | 1.0648% | 7,576 |
| Net interest margin | 4.6377% | 883 |
| Noninterest income to average assets | 0.5547% | 3,883 |
| Noninterest expense to average assets | 3.8777% | 1,342 |
| Loan and lease loss provision to assets | 0.1866% | 4,574 |
| Net operating income to assets | 0.3378% | 5,129 |
| Return on assets (ROA) | 0.3378% | 5,312 |
| Pretax return on assets | 0.4437% | 5,260 |
| Return on Equity (ROE) | 2.6474% | 5,508 |
| Retained earnings to average equity (ytd only) | 2.6474% | 4,406 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0179% | 2,063 |
| Assets per employee ($millions) | 2.9425% | 6,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6473% | 2,320 |
| Loan loss allowance to noncurrent loans | 62.7765% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 5.0222% | 898 |
| Noncurrent loans to loans | 2.6240% | 2,507 |
| Net loans and leases to total assets | 61.8500% | 5,363 |
| Net loans and leases to deposits | 71.0909% | 5,858 |
| Net loans and leases to core deposits | 75.4402% | 6,715 |
| Total domestic deposits to total assets | 87.0014% | 2,218 |
| Equity capital to assets | 12.8060% | 1,833 |
| Core capital (leverage) ratio | 13.1092% | 1,447 |
| Tier 1 risk-based capital ratio | 17.2505% | 2,253 |
| Total risk-based capital ratio | 18.5023% | 2,201 |
| Memoranda: | ||
| Average total assets | $79,326,000 | 5,849 |
| Average earning assets | $67,620,000 | 5,988 |
| Average equity | $10,123,000 | 5,346 |
| Average total loans | $50,837,000 | 5,767 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6350% | 2,312 |
| Cost of funding earning assets | 1.7204% | 7,215 |
| Net interest margin | 4.9146% | 619 |
| Noninterest income to average assets | 0.6311% | 3,626 |
| Noninterest expense to average assets | 3.7070% | 1,946 |
| Loan and lease loss provision to assets | 0.6127% | 2,379 |
| Net operating income to assets | 0.4265% | 5,050 |
| Return on assets (ROA) | 0.4265% | 4,867 |
| Pretax return on assets | 0.6103% | 4,661 |
| Return on Equity (ROE) | 3.4917% | 5,041 |
| Retained earnings to average equity (ytd only) | 3.3913% | 3,042 |
| Net charge-offs to loans | 0.9041% | 1,371 |
| Credit loss provision to net charge-offs | 102.0408% | 5,217 |
| Earnings coverage of net charge-offs (x) | 2.0367% | 5,056 |
| Efficiency ratio | 75.1926% | 3,372 |
| Assets per employee ($millions) | 2.9335% | 6,208 |
| Cash dividends to net income (ytd only)* | 2.8736% | 4,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 2,588 |
| Loan loss allowance to noncurrent loans | 30.5718% | 6,681 |
| Noncurrent assets plus other real estate owned to assets | 5.8330% | 525 |
| Noncurrent loans to loans | 4.9717% | 889 |
| Net loans and leases to total assets | 64.2977% | 5,209 |
| Net loans and leases to deposits | 74.0412% | 5,841 |
| Net loans and leases to core deposits | 78.6943% | 6,712 |
| Total domestic deposits to total assets | 86.8405% | 2,009 |
| Equity capital to assets | 12.7164% | 1,913 |
| Core capital (leverage) ratio | 12.5947% | 1,708 |
| Tier 1 risk-based capital ratio | 16.8022% | 2,387 |
| Total risk-based capital ratio | 18.0536% | 2,318 |
| Memoranda: | ||
| Average total assets | $81,602,200 | 5,642 |
| Average earning assets | $71,379,200 | 5,765 |
| Average equity | $9,966,600 | 5,422 |
| Average total loans | $54,197,200 | 5,517 |