Home > Bank of Westminster > Performance and Condition Ratios
Bank of Westminster, 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 | 5.4996% | 1,247 |
| Cost of funding earning assets | 1.0962% | 3,006 |
| Net interest margin | 4.4034% | 1,397 |
| Noninterest income to average assets | 0.4586% | 4,231 |
| Noninterest expense to average assets | 5.2482% | 299 |
| Loan and lease loss provision to assets | 2.3820% | 196 |
| Net operating income to assets | -6.5857% | 7,408 |
| Return on assets (ROA) | -6.2163% | 7,403 |
| Pretax return on assets | -2.7599% | 7,250 |
| Return on Equity (ROE) | -80.9518% | 7,361 |
| Retained earnings to average equity (ytd only) | -80.9518% | 7,360 |
| Net charge-offs to loans | -0.0682% | 7,109 |
| Credit loss provision to net charge-offs | -7,012.5000% | 6,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.6038% | 338 |
| Assets per employee ($millions) | 2.5617% | 6,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4486% | 136 |
| Loan loss allowance to noncurrent loans | 44.3111% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 6.9875% | 707 |
| Noncurrent loans to loans | 12.2962% | 223 |
| Net loans and leases to total assets | 52.2836% | 5,415 |
| Net loans and leases to deposits | 56.1771% | 6,018 |
| Net loans and leases to core deposits | 56.8271% | 6,237 |
| Total domestic deposits to total assets | 93.0693% | 130 |
| Equity capital to assets | 6.6397% | 7,113 |
| Core capital (leverage) ratio | 6.0005% | 7,140 |
| Tier 1 risk-based capital ratio | 10.7134% | 6,703 |
| Total risk-based capital ratio | 12.0094% | 6,662 |
| Memoranda: | ||
| Average total assets | $31,400,750 | 7,000 |
| Average earning assets | $28,825,750 | 6,970 |
| Average equity | $2,411,250 | 7,209 |
| Average total loans | $15,653,500 | 6,937 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4684% | 1,369 |
| Cost of funding earning assets | 1.1484% | 2,910 |
| Net interest margin | 4.3200% | 1,596 |
| Noninterest income to average assets | 0.3264% | 5,281 |
| Noninterest expense to average assets | 5.2287% | 309 |
| Loan and lease loss provision to assets | 3.9231% | 78 |
| Net operating income to assets | -9.8538% | 7,502 |
| Return on assets (ROA) | -9.8600% | 7,502 |
| Pretax return on assets | -4.8469% | 7,433 |
| Return on Equity (ROE) | -123.5659% | 7,453 |
| Retained earnings to average equity (ytd only) | -123.5659% | 7,453 |
| Net charge-offs to loans | 0.4848% | 2,648 |
| Credit loss provision to net charge-offs | 1,676.3158% | 204 |
| Earnings coverage of net charge-offs (x) | -3.9211% | 5,780 |
| Efficiency ratio | 121.2857% | 333 |
| Assets per employee ($millions) | 2.1588% | 7,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5273% | 144 |
| Loan loss allowance to noncurrent loans | 50.3436% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 5.9524% | 944 |
| Noncurrent loans to loans | 10.9791% | 319 |
| Net loans and leases to total assets | 49.7105% | 5,859 |
| Net loans and leases to deposits | 52.9611% | 6,397 |
| Net loans and leases to core deposits | 53.5271% | 6,590 |
| Total domestic deposits to total assets | 93.8623% | 87 |
| Equity capital to assets | 5.7208% | 7,273 |
| Core capital (leverage) ratio | 5.1266% | 7,289 |
| Tier 1 risk-based capital ratio | 8.6418% | 7,207 |
| Total risk-based capital ratio | 9.9338% | 7,206 |
| Memoranda: | ||
| Average total assets | $32,474,670 | 7,033 |
| Average earning assets | $29,954,000 | 6,997 |
| Average equity | $2,591,330 | 7,229 |
| Average total loans | $15,677,330 | 6,997 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6308% | 1,005 |
| Cost of funding earning assets | 1.1813% | 2,936 |
| Net interest margin | 4.4495% | 1,176 |
| Noninterest income to average assets | 0.5357% | 3,615 |
| Noninterest expense to average assets | 4.5714% | 555 |
| Loan and lease loss provision to assets | 1.3928% | 476 |
| Net operating income to assets | -1.2024% | 7,099 |
| Return on assets (ROA) | -1.2024% | 7,099 |
| Pretax return on assets | -1.3928% | 7,124 |
| Return on Equity (ROE) | -13.3664% | 7,109 |
| Retained earnings to average equity (ytd only) | -13.3664% | 6,987 |
| Net charge-offs to loans | 2.2616% | 535 |
| Credit loss provision to net charge-offs | 132.9545% | 2,084 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 4,575 |
| Efficiency ratio | 100.0000% | 743 |
| Assets per employee ($millions) | 2.3661% | 7,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1098% | 2,165 |
| Loan loss allowance to noncurrent loans | 160.9375% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 4.3893% | 1,486 |
| Noncurrent loans to loans | 1.3109% | 4,508 |
| Net loans and leases to total assets | 43.2802% | 6,523 |
| Net loans and leases to deposits | 47.9755% | 6,761 |
| Net loans and leases to core deposits | 48.4620% | 6,856 |
| Total domestic deposits to total assets | 90.2131% | 1,014 |
| Equity capital to assets | 9.0020% | 5,202 |
| Core capital (leverage) ratio | 6.9590% | 7,027 |
| Tier 1 risk-based capital ratio | 11.1988% | 6,351 |
| Total risk-based capital ratio | 12.4532% | 6,319 |
| Memoranda: | ||
| Average total assets | $33,600,500 | 7,049 |
| Average earning assets | $30,475,000 | 7,035 |
| Average equity | $3,022,500 | 7,164 |
| Average total loans | $15,564,500 | 7,055 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6842% | 1,628 |
| Cost of funding earning assets | 1.2141% | 4,462 |
| Net interest margin | 4.4701% | 1,300 |
| Noninterest income to average assets | 0.8154% | 2,200 |
| Noninterest expense to average assets | 7.6918% | 124 |
| Loan and lease loss provision to assets | 1.2082% | 1,292 |
| Net operating income to assets | -2.6394% | 7,214 |
| Return on assets (ROA) | -2.6394% | 7,232 |
| Pretax return on assets | -4.0406% | 7,442 |
| Return on Equity (ROE) | -22.4506% | 7,082 |
| Retained earnings to average equity (ytd only) | -22.4506% | 7,059 |
| Net charge-offs to loans | 4.9228% | 184 |
| Credit loss provision to net charge-offs | 41.7722% | 6,360 |
| Earnings coverage of net charge-offs (x) | -0.9793% | 6,599 |
| Efficiency ratio | 158.2877% | 173 |
| Assets per employee ($millions) | 2.4339% | 7,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6987% | 3,220 |
| Loan loss allowance to noncurrent loans | 15.1926% | 6,981 |
| Noncurrent assets plus other real estate owned to assets | 5.5642% | 1,107 |
| Noncurrent loans to loans | 11.1812% | 343 |
| Net loans and leases to total assets | 47.5510% | 6,435 |
| Net loans and leases to deposits | 53.3731% | 6,653 |
| Net loans and leases to core deposits | 53.9058% | 6,816 |
| Total domestic deposits to total assets | 89.0917% | 1,599 |
| Equity capital to assets | 8.9890% | 5,157 |
| Core capital (leverage) ratio | 7.3687% | 6,808 |
| Tier 1 risk-based capital ratio | 11.8220% | 5,638 |
| Total risk-based capital ratio | 13.0761% | 5,625 |
| Memoranda: | ||
| Average total assets | $30,045,000 | 7,206 |
| Average earning assets | $27,180,400 | 7,185 |
| Average equity | $3,532,200 | 7,129 |
| Average total loans | $17,652,600 | 7,051 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8493% | 1,256 |
| Cost of funding earning assets | 1.2056% | 4,842 |
| Net interest margin | 4.6437% | 958 |
| Noninterest income to average assets | 0.8816% | 1,867 |
| Noninterest expense to average assets | 7.2364% | 134 |
| Loan and lease loss provision to assets | 1.4923% | 896 |
| Net operating income to assets | -2.5484% | 7,359 |
| Return on assets (ROA) | -2.5484% | 7,373 |
| Pretax return on assets | -3.6733% | 7,525 |
| Return on Equity (ROE) | -20.2762% | 7,227 |
| Retained earnings to average equity (ytd only) | -20.2762% | 7,212 |
| Net charge-offs to loans | 0.6910% | 2,694 |
| Credit loss provision to net charge-offs | 349.4624% | 905 |
| Earnings coverage of net charge-offs (x) | -5.1074% | 6,592 |
| Efficiency ratio | 143.1426% | 234 |
| Assets per employee ($millions) | 2.2720% | 7,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7638% | 117 |
| Loan loss allowance to noncurrent loans | 86.5646% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 3.8638% | 1,828 |
| Noncurrent loans to loans | 6.6584% | 879 |
| Net loans and leases to total assets | 52.3265% | 6,064 |
| Net loans and leases to deposits | 59.4004% | 6,360 |
| Net loans and leases to core deposits | 60.0433% | 6,595 |
| Total domestic deposits to total assets | 88.0910% | 1,908 |
| Equity capital to assets | 10.8180% | 3,151 |
| Core capital (leverage) ratio | 8.9912% | 4,707 |
| Tier 1 risk-based capital ratio | 16.3450% | 2,615 |
| Total risk-based capital ratio | 17.6529% | 2,548 |
| Memoranda: | ||
| Average total assets | $29,037,500 | 7,328 |
| Average earning assets | $26,099,250 | 7,316 |
| Average equity | $3,649,500 | 7,185 |
| Average total loans | $17,945,000 | 7,122 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9620% | 1,035 |
| Cost of funding earning assets | 1.1956% | 5,153 |
| Net interest margin | 4.7664% | 699 |
| Noninterest income to average assets | 0.9888% | 1,409 |
| Noninterest expense to average assets | 6.2033% | 208 |
| Loan and lease loss provision to assets | 0.4766% | 2,925 |
| Net operating income to assets | -1.0742% | 6,978 |
| Return on assets (ROA) | -1.0742% | 6,991 |
| Pretax return on assets | -1.4655% | 7,066 |
| Return on Equity (ROE) | -8.1205% | 6,898 |
| Retained earnings to average equity (ytd only) | -8.1205% | 6,824 |
| Net charge-offs to loans | 0.0443% | 5,762 |
| Credit loss provision to net charge-offs | 1,675.0000% | 240 |
| Earnings coverage of net charge-offs (x) | -34.7500% | 6,350 |
| Efficiency ratio | 118.9632% | 427 |
| Assets per employee ($millions) | 1.8277% | 7,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8124% | 199 |
| Loan loss allowance to noncurrent loans | 67.6494% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 4.7943% | 1,352 |
| Noncurrent loans to loans | 7.1137% | 790 |
| Net loans and leases to total assets | 57.4257% | 5,500 |
| Net loans and leases to deposits | 66.7687% | 5,712 |
| Net loans and leases to core deposits | 66.7687% | 6,181 |
| Total domestic deposits to total assets | 86.0069% | 3,082 |
| Equity capital to assets | 12.4714% | 1,817 |
| Core capital (leverage) ratio | 11.4216% | 1,960 |
| Tier 1 risk-based capital ratio | 18.0384% | 1,951 |
| Total risk-based capital ratio | 19.3308% | 1,907 |
| Memoranda: | ||
| Average total assets | $28,114,000 | 7,411 |
| Average earning assets | $24,924,670 | 7,403 |
| Average equity | $3,719,000 | 7,207 |
| Average total loans | $18,039,330 | 7,172 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6617% | 91 |
| Cost of funding earning assets | 1.1450% | 5,680 |
| Net interest margin | 6.5167% | 74 |
| Noninterest income to average assets | 0.7840% | 2,100 |
| Noninterest expense to average assets | 6.1562% | 205 |
| Loan and lease loss provision to assets | 0.5372% | 2,353 |
| Net operating income to assets | -0.1307% | 6,459 |
| Return on assets (ROA) | -0.1307% | 6,543 |
| Pretax return on assets | -0.2904% | 6,628 |
| Return on Equity (ROE) | -0.9587% | 6,519 |
| Retained earnings to average equity (ytd only) | -0.9587% | 6,035 |
| Net charge-offs to loans | 0.0658% | 4,751 |
| Credit loss provision to net charge-offs | 1,233.3333% | 399 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,350 |
| Efficiency ratio | 96.1451% | 1,014 |
| Assets per employee ($millions) | 1.8009% | 7,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5382% | 249 |
| Loan loss allowance to noncurrent loans | 57.9915% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 5.4173% | 1,147 |
| Noncurrent loans to loans | 7.8256% | 703 |
| Net loans and leases to total assets | 59.8612% | 5,142 |
| Net loans and leases to deposits | 70.1607% | 5,321 |
| Net loans and leases to core deposits | 70.1607% | 5,904 |
| Total domestic deposits to total assets | 85.3201% | 3,498 |
| Equity capital to assets | 13.0626% | 1,501 |
| Core capital (leverage) ratio | 12.2448% | 1,523 |
| Tier 1 risk-based capital ratio | 16.0115% | 2,658 |
| Total risk-based capital ratio | 17.3071% | 2,587 |
| Memoranda: | ||
| Average total assets | $27,549,500 | 7,520 |
| Average earning assets | $23,754,500 | 7,541 |
| Average equity | $3,755,000 | 7,266 |
| Average total loans | $18,238,000 | 7,252 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6215% | 115 |
| Cost of funding earning assets | 1.3329% | 6,200 |
| Net interest margin | 6.2886% | 91 |
| Noninterest income to average assets | 0.7432% | 2,719 |
| Noninterest expense to average assets | 6.6597% | 234 |
| Loan and lease loss provision to assets | 2.4358% | 826 |
| Net operating income to assets | -2.7345% | 7,330 |
| Return on assets (ROA) | -6.3102% | 7,845 |
| Pretax return on assets | -7.3368% | 7,887 |
| Return on Equity (ROE) | -39.0821% | 7,555 |
| Retained earnings to average equity (ytd only) | -39.0821% | 7,540 |
| Net charge-offs to loans | 0.6598% | 3,208 |
| Credit loss provision to net charge-offs | 525.3968% | 576 |
| Earnings coverage of net charge-offs (x) | -1.6032% | 6,969 |
| Efficiency ratio | 112.5622% | 752 |
| Assets per employee ($millions) | 1.6428% | 7,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2701% | 299 |
| Loan loss allowance to noncurrent loans | 107.3770% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 3.3442% | 2,041 |
| Noncurrent loans to loans | 3.9767% | 1,862 |
| Net loans and leases to total assets | 67.0408% | 3,919 |
| Net loans and leases to deposits | 79.9030% | 4,016 |
| Net loans and leases to core deposits | 88.9770% | 5,226 |
| Total domestic deposits to total assets | 83.9028% | 4,072 |
| Equity capital to assets | 14.2520% | 1,095 |
| Core capital (leverage) ratio | 12.9912% | 1,257 |
| Tier 1 risk-based capital ratio | 16.0714% | 2,491 |
| Total risk-based capital ratio | 17.3518% | 2,407 |
| Memoranda: | ||
| Average total assets | $27,178,200 | 7,576 |
| Average earning assets | $22,357,800 | 7,638 |
| Average equity | $4,388,200 | 7,146 |
| Average total loans | $19,095,800 | 7,251 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5440% | 139 |
| Cost of funding earning assets | 1.3621% | 6,361 |
| Net interest margin | 6.1820% | 97 |
| Noninterest income to average assets | 0.7493% | 2,714 |
| Noninterest expense to average assets | 6.3985% | 262 |
| Loan and lease loss provision to assets | 3.5277% | 369 |
| Net operating income to assets | -2.7630% | 7,529 |
| Return on assets (ROA) | -3.0508% | 7,608 |
| Pretax return on assets | -4.4765% | 7,749 |
| Return on Equity (ROE) | -18.3782% | 7,319 |
| Retained earnings to average equity (ytd only) | -18.3782% | 7,283 |
| Net charge-offs to loans | 0.8719% | 2,226 |
| Credit loss provision to net charge-offs | 575.3968% | 677 |
| Earnings coverage of net charge-offs (x) | -0.8571% | 6,603 |
| Efficiency ratio | 108.9478% | 789 |
| Assets per employee ($millions) | 1.5192% | 7,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5675% | 203 |
| Loan loss allowance to noncurrent loans | 68.3575% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 5.3781% | 1,076 |
| Noncurrent loans to loans | 6.6817% | 848 |
| Net loans and leases to total assets | 68.6839% | 3,800 |
| Net loans and leases to deposits | 82.1973% | 3,986 |
| Net loans and leases to core deposits | 93.5355% | 5,069 |
| Total domestic deposits to total assets | 83.5598% | 3,925 |
| Equity capital to assets | 13.9776% | 1,311 |
| Core capital (leverage) ratio | 15.8802% | 695 |
| Tier 1 risk-based capital ratio | 23.0254% | 1,105 |
| Total risk-based capital ratio | 24.3155% | 1,071 |
| Memoranda: | ||
| Average total assets | $27,401,750 | 7,641 |
| Average earning assets | $22,710,500 | 7,698 |
| Average equity | $4,548,750 | 7,162 |
| Average total loans | $19,268,000 | 7,304 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9909% | 325 |
| Cost of funding earning assets | 1.4238% | 6,404 |
| Net interest margin | 5.5672% | 171 |
| Noninterest income to average assets | 0.7018% | 2,981 |
| Noninterest expense to average assets | 6.3452% | 289 |
| Loan and lease loss provision to assets | 4.7338% | 232 |
| Net operating income to assets | -3.8079% | 7,803 |
| Return on assets (ROA) | -4.2254% | 7,856 |
| Pretax return on assets | -6.3237% | 7,966 |
| Return on Equity (ROE) | -24.2715% | 7,615 |
| Retained earnings to average equity (ytd only) | -24.2715% | 7,579 |
| Net charge-offs to loans | 1.1696% | 1,561 |
| Credit loss provision to net charge-offs | 579.8246% | 806 |
| Earnings coverage of net charge-offs (x) | -1.1842% | 6,267 |
| Efficiency ratio | 117.9760% | 705 |
| Assets per employee ($millions) | 1.4924% | 8,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0964% | 241 |
| Loan loss allowance to noncurrent loans | 112.7298% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 4.2608% | 1,356 |
| Noncurrent loans to loans | 3.6338% | 1,913 |
| Net loans and leases to total assets | 73.5446% | 2,830 |
| Net loans and leases to deposits | 89.0177% | 2,987 |
| Net loans and leases to core deposits | 100.8758% | 4,415 |
| Total domestic deposits to total assets | 82.6179% | 4,414 |
| Equity capital to assets | 14.9107% | 1,050 |
| Core capital (leverage) ratio | 15.4859% | 826 |
| Tier 1 risk-based capital ratio | 22.2729% | 1,213 |
| Total risk-based capital ratio | 23.5584% | 1,181 |
| Memoranda: | ||
| Average total assets | $27,926,670 | 7,680 |
| Average earning assets | $23,459,000 | 7,748 |
| Average equity | $4,861,670 | 7,118 |
| Average total loans | $19,494,670 | 7,360 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7473% | 534 |
| Cost of funding earning assets | 1.5030% | 6,392 |
| Net interest margin | 5.2442% | 260 |
| Noninterest income to average assets | 0.6437% | 3,242 |
| Noninterest expense to average assets | 5.7799% | 315 |
| Loan and lease loss provision to assets | 2.8626% | 390 |
| Net operating income to assets | -2.0035% | 7,662 |
| Return on assets (ROA) | -1.3286% | 7,445 |
| Pretax return on assets | -2.5476% | 7,670 |
| Return on Equity (ROE) | -7.1839% | 7,163 |
| Retained earnings to average equity (ytd only) | -7.1839% | 6,814 |
| Net charge-offs to loans | 2.0088% | 720 |
| Credit loss provision to net charge-offs | 213.2653% | 2,114 |
| Earnings coverage of net charge-offs (x) | -0.5510% | 5,273 |
| Efficiency ratio | 114.6739% | 722 |
| Assets per employee ($millions) | 1.6884% | 8,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8491% | 1,742 |
| Loan loss allowance to noncurrent loans | 27.9628% | 6,693 |
| Noncurrent assets plus other real estate owned to assets | 6.0484% | 652 |
| Noncurrent loans to loans | 6.6127% | 649 |
| Net loans and leases to total assets | 66.7619% | 4,394 |
| Net loans and leases to deposits | 82.2969% | 4,237 |
| Net loans and leases to core deposits | 101.4614% | 4,399 |
| Total domestic deposits to total assets | 81.1233% | 4,914 |
| Equity capital to assets | 18.3541% | 563 |
| Core capital (leverage) ratio | 19.2458% | 432 |
| Tier 1 risk-based capital ratio | 23.7066% | 1,114 |
| Total risk-based capital ratio | 24.9612% | 1,090 |
| Memoranda: | ||
| Average total assets | $29,204,500 | 7,677 |
| Average earning assets | $24,484,000 | 7,743 |
| Average equity | $5,401,000 | 6,973 |
| Average total loans | $19,514,000 | 7,405 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9867% | 1,169 |
| Cost of funding earning assets | 1.8880% | 6,764 |
| Net interest margin | 5.0987% | 408 |
| Noninterest income to average assets | 0.7125% | 3,038 |
| Noninterest expense to average assets | 5.6054% | 478 |
| Loan and lease loss provision to assets | 0.0946% | 6,177 |
| Net operating income to assets | -0.2806% | 6,718 |
| Return on assets (ROA) | -0.2806% | 6,572 |
| Pretax return on assets | -0.3815% | 6,531 |
| Return on Equity (ROE) | -1.5452% | 6,439 |
| Retained earnings to average equity (ytd only) | -1.5452% | 5,750 |
| Net charge-offs to loans | 0.2014% | 4,187 |
| Credit loss provision to net charge-offs | 78.9474% | 5,922 |
| Earnings coverage of net charge-offs (x) | -2.3947% | 6,730 |
| Efficiency ratio | 105.3942% | 823 |
| Assets per employee ($millions) | 1.9805% | 7,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 3,920 |
| Loan loss allowance to noncurrent loans | 23.2558% | 7,090 |
| Noncurrent assets plus other real estate owned to assets | 4.1876% | 954 |
| Noncurrent loans to loans | 5.5114% | 733 |
| Net loans and leases to total assets | 64.8164% | 5,103 |
| Net loans and leases to deposits | 80.1524% | 5,023 |
| Net loans and leases to core deposits | 99.0331% | 4,925 |
| Total domestic deposits to total assets | 80.8665% | 4,705 |
| Equity capital to assets | 18.6286% | 585 |
| Core capital (leverage) ratio | 18.9595% | 513 |
| Tier 1 risk-based capital ratio | 25.0239% | 985 |
| Total risk-based capital ratio | 26.1125% | 979 |
| Memoranda: | ||
| Average total assets | $31,719,600 | 7,577 |
| Average earning assets | $28,654,600 | 7,579 |
| Average equity | $5,759,800 | 6,893 |
| Average total loans | $18,864,200 | 7,412 |