Home > Blue Ridge Savings Bank, Inc. > Performance and Condition Ratios
Blue Ridge Savings Bank, Inc., Performance and Condition Ratios
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7981% | 4,029 |
| Cost of funding earning assets | 1.7283% | 350 |
| Net interest margin | 3.0698% | 6,450 |
| Noninterest income to average assets | -0.4910% | 7,351 |
| Noninterest expense to average assets | 3.2031% | 2,825 |
| Loan and lease loss provision to assets | 0.9021% | 989 |
| Net operating income to assets | -2.4013% | 7,199 |
| Return on assets (ROA) | -2.4013% | 7,203 |
| Pretax return on assets | -2.4013% | 7,187 |
| Return on Equity (ROE) | -130.3958% | 7,399 |
| Retained earnings to average equity (ytd only) | -130.3958% | 7,399 |
| Net charge-offs to loans | 3.4672% | 229 |
| Credit loss provision to net charge-offs | 41.2379% | 5,213 |
| Earnings coverage of net charge-offs (x) | -0.6853% | 5,878 |
| Efficiency ratio | 187.9847% | 60 |
| Assets per employee ($millions) | 3.9373% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2508% | 154 |
| Loan loss allowance to noncurrent loans | 48.1215% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 31.6633% | 7 |
| Noncurrent loans to loans | 10.9116% | 296 |
| Net loans and leases to total assets | 53.1178% | 5,299 |
| Net loans and leases to deposits | 53.7174% | 6,235 |
| Net loans and leases to core deposits | 55.1324% | 6,382 |
| Total domestic deposits to total assets | 98.8837% | 3 |
| Equity capital to assets | 0.8877% | 7,426 |
| Core capital (leverage) ratio | 0.8824% | 7,423 |
| Tier 1 risk-based capital ratio | 1.1547% | 7,423 |
| Total risk-based capital ratio | 2.3093% | 7,423 |
| Memoranda: | ||
| Average total assets | $163,463,250 | 3,616 |
| Average earning assets | $116,877,750 | 4,226 |
| Average equity | $3,010,250 | 7,069 |
| Average total loans | $103,134,500 | 3,568 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7758% | 4,194 |
| Cost of funding earning assets | 1.7489% | 390 |
| Net interest margin | 3.0269% | 6,561 |
| Noninterest income to average assets | -0.5715% | 7,434 |
| Noninterest expense to average assets | 3.3191% | 2,499 |
| Loan and lease loss provision to assets | 1.3476% | 545 |
| Net operating income to assets | -3.0449% | 7,312 |
| Return on assets (ROA) | -3.0449% | 7,315 |
| Pretax return on assets | -3.0449% | 7,309 |
| Return on Equity (ROE) | -141.3462% | 7,465 |
| Retained earnings to average equity (ytd only) | -141.3462% | 7,465 |
| Net charge-offs to loans | 4.2666% | 173 |
| Credit loss provision to net charge-offs | 48.2969% | 4,622 |
| Earnings coverage of net charge-offs (x) | -0.6083% | 5,556 |
| Efficiency ratio | 204.6582% | 59 |
| Assets per employee ($millions) | 3.9255% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0998% | 178 |
| Loan loss allowance to noncurrent loans | 42.8738% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 30.5380% | 11 |
| Noncurrent loans to loans | 11.8950% | 261 |
| Net loans and leases to total assets | 59.4742% | 4,382 |
| Net loans and leases to deposits | 60.3311% | 5,695 |
| Net loans and leases to core deposits | 62.0459% | 5,894 |
| Total domestic deposits to total assets | 98.5797% | 4 |
| Equity capital to assets | 1.1668% | 7,494 |
| Core capital (leverage) ratio | 1.1600% | 7,493 |
| Tier 1 risk-based capital ratio | 1.4528% | 7,495 |
| Total risk-based capital ratio | 2.7362% | 7,495 |
| Memoranda: | ||
| Average total assets | $164,141,000 | 3,613 |
| Average earning assets | $118,933,330 | 4,212 |
| Average equity | $3,536,000 | 6,970 |
| Average total loans | $107,346,000 | 3,520 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4457% | 1,441 |
| Cost of funding earning assets | 1.7568% | 437 |
| Net interest margin | 3.6889% | 4,164 |
| Noninterest income to average assets | -0.4489% | 7,490 |
| Noninterest expense to average assets | 3.3450% | 2,419 |
| Loan and lease loss provision to assets | 0.4006% | 2,193 |
| Net operating income to assets | -1.4529% | 7,185 |
| Return on assets (ROA) | -1.4529% | 7,190 |
| Pretax return on assets | -1.4529% | 7,145 |
| Return on Equity (ROE) | -55.1661% | 7,429 |
| Retained earnings to average equity (ytd only) | -55.1661% | 7,417 |
| Net charge-offs to loans | 3.2373% | 324 |
| Credit loss provision to net charge-offs | 18.5475% | 4,268 |
| Earnings coverage of net charge-offs (x) | -0.4872% | 4,787 |
| Efficiency ratio | 145.8947% | 183 |
| Assets per employee ($millions) | 4.0877% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1844% | 173 |
| Loan loss allowance to noncurrent loans | 51.4756% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 26.9226% | 16 |
| Noncurrent loans to loans | 10.0716% | 403 |
| Net loans and leases to total assets | 62.6264% | 3,732 |
| Net loans and leases to deposits | 64.3547% | 5,208 |
| Net loans and leases to core deposits | 65.8822% | 5,527 |
| Total domestic deposits to total assets | 97.3145% | 15 |
| Equity capital to assets | 2.4855% | 7,504 |
| Core capital (leverage) ratio | 2.4574% | 7,507 |
| Tier 1 risk-based capital ratio | 2.8916% | 7,526 |
| Total risk-based capital ratio | 4.1751% | 7,527 |
| Memoranda: | ||
| Average total assets | $165,738,000 | 3,623 |
| Average earning assets | $123,180,000 | 4,155 |
| Average equity | $4,365,000 | 6,763 |
| Average total loans | $110,586,000 | 3,472 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1567% | 3,820 |
| Cost of funding earning assets | 2.2489% | 257 |
| Net interest margin | 2.9078% | 6,881 |
| Noninterest income to average assets | -1.8408% | 7,648 |
| Noninterest expense to average assets | 3.1978% | 3,102 |
| Loan and lease loss provision to assets | 1.1899% | 1,322 |
| Net operating income to assets | -3.9321% | 7,428 |
| Return on assets (ROA) | -3.9321% | 7,442 |
| Pretax return on assets | -3.9321% | 7,431 |
| Return on Equity (ROE) | -107.6375% | 7,602 |
| Retained earnings to average equity (ytd only) | -107.6375% | 7,602 |
| Net charge-offs to loans | 3.1119% | 519 |
| Credit loss provision to net charge-offs | 55.7188% | 6,165 |
| Earnings coverage of net charge-offs (x) | -1.2841% | 6,650 |
| Efficiency ratio | 701.9187% | 14 |
| Assets per employee ($millions) | 3.9063% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5913% | 132 |
| Loan loss allowance to noncurrent loans | 60.4740% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 24.6175% | 29 |
| Noncurrent loans to loans | 9.2459% | 488 |
| Net loans and leases to total assets | 63.6108% | 3,949 |
| Net loans and leases to deposits | 65.5692% | 5,446 |
| Net loans and leases to core deposits | 67.0880% | 5,763 |
| Total domestic deposits to total assets | 97.0132% | 20 |
| Equity capital to assets | 2.7779% | 7,575 |
| Core capital (leverage) ratio | 2.6219% | 7,579 |
| Tier 1 risk-based capital ratio | 3.6447% | 7,581 |
| Total risk-based capital ratio | 4.9405% | 7,579 |
| Memoranda: | ||
| Average total assets | $194,477,600 | 3,169 |
| Average earning assets | $153,586,200 | 3,580 |
| Average equity | $7,104,400 | 5,997 |
| Average total loans | $133,453,800 | 3,060 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2684% | 3,494 |
| Cost of funding earning assets | 2.3229% | 252 |
| Net interest margin | 2.9455% | 6,937 |
| Noninterest income to average assets | -0.5702% | 7,689 |
| Noninterest expense to average assets | 3.1518% | 3,103 |
| Loan and lease loss provision to assets | 0.7379% | 2,073 |
| Net operating income to assets | -2.1136% | 7,263 |
| Return on assets (ROA) | -2.1136% | 7,280 |
| Pretax return on assets | -2.1136% | 7,225 |
| Return on Equity (ROE) | -55.1019% | 7,582 |
| Retained earnings to average equity (ytd only) | -55.1019% | 7,580 |
| Net charge-offs to loans | 3.8240% | 332 |
| Credit loss provision to net charge-offs | 28.0141% | 6,176 |
| Earnings coverage of net charge-offs (x) | -0.5223% | 6,331 |
| Efficiency ratio | 177.4543% | 120 |
| Assets per employee ($millions) | 4.2510% | 3,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3951% | 266 |
| Loan loss allowance to noncurrent loans | 50.8967% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 22.3128% | 35 |
| Noncurrent loans to loans | 8.6353% | 571 |
| Net loans and leases to total assets | 63.1543% | 4,286 |
| Net loans and leases to deposits | 66.6265% | 5,589 |
| Net loans and leases to core deposits | 68.5187% | 5,889 |
| Total domestic deposits to total assets | 94.7886% | 46 |
| Equity capital to assets | 4.9926% | 7,577 |
| Core capital (leverage) ratio | 4.8866% | 7,554 |
| Tier 1 risk-based capital ratio | 6.7678% | 7,568 |
| Total risk-based capital ratio | 8.0523% | 7,571 |
| Memoranda: | ||
| Average total assets | $201,104,500 | 3,126 |
| Average earning assets | $160,197,250 | 3,493 |
| Average equity | $7,714,000 | 5,878 |
| Average total loans | $138,523,500 | 3,013 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2003% | 3,958 |
| Cost of funding earning assets | 2.4072% | 233 |
| Net interest margin | 2.7931% | 7,153 |
| Noninterest income to average assets | -0.5801% | 7,756 |
| Noninterest expense to average assets | 3.1234% | 3,207 |
| Loan and lease loss provision to assets | 0.8600% | 1,690 |
| Net operating income to assets | -2.3136% | 7,376 |
| Return on assets (ROA) | -2.3136% | 7,390 |
| Pretax return on assets | -2.3136% | 7,321 |
| Return on Equity (ROE) | -66.1850% | 7,670 |
| Retained earnings to average equity (ytd only) | -66.1850% | 7,668 |
| Net charge-offs to loans | 1.7169% | 1,087 |
| Credit loss provision to net charge-offs | 71.8548% | 4,917 |
| Earnings coverage of net charge-offs (x) | -1.2145% | 6,148 |
| Efficiency ratio | 187.0520% | 118 |
| Assets per employee ($millions) | 4.4665% | 2,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8387% | 113 |
| Loan loss allowance to noncurrent loans | 61.5155% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 21.0519% | 44 |
| Noncurrent loans to loans | 9.4915% | 484 |
| Net loans and leases to total assets | 65.6470% | 3,911 |
| Net loans and leases to deposits | 68.5883% | 5,478 |
| Net loans and leases to core deposits | 70.2468% | 5,847 |
| Total domestic deposits to total assets | 95.7117% | 31 |
| Equity capital to assets | 4.1217% | 7,687 |
| Core capital (leverage) ratio | 3.9847% | 7,680 |
| Tier 1 risk-based capital ratio | 5.7074% | 7,670 |
| Total risk-based capital ratio | 7.0117% | 7,670 |
| Memoranda: | ||
| Average total assets | $207,208,670 | 3,072 |
| Average earning assets | $166,913,330 | 3,390 |
| Average equity | $7,243,330 | 6,053 |
| Average total loans | $144,448,670 | 2,932 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2841% | 3,622 |
| Cost of funding earning assets | 2.5170% | 217 |
| Net interest margin | 2.7671% | 7,229 |
| Noninterest income to average assets | -0.7636% | 7,884 |
| Noninterest expense to average assets | 3.2181% | 2,788 |
| Loan and lease loss provision to assets | 1.6593% | 692 |
| Net operating income to assets | -3.3746% | 7,668 |
| Return on assets (ROA) | -3.3746% | 7,668 |
| Pretax return on assets | -3.3746% | 7,628 |
| Return on Equity (ROE) | -104.9370% | 7,837 |
| Retained earnings to average equity (ytd only) | -104.9370% | 7,833 |
| Net charge-offs to loans | 2.0678% | 826 |
| Credit loss provision to net charge-offs | 115.1163% | 3,026 |
| Earnings coverage of net charge-offs (x) | -1.1899% | 5,405 |
| Efficiency ratio | 214.1264% | 84 |
| Assets per employee ($millions) | 4.6371% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7775% | 112 |
| Loan loss allowance to noncurrent loans | 95.3938% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 17.2209% | 97 |
| Noncurrent loans to loans | 6.0565% | 1,082 |
| Net loans and leases to total assets | 64.7431% | 4,151 |
| Net loans and leases to deposits | 66.7965% | 5,734 |
| Net loans and leases to core deposits | 68.6278% | 6,038 |
| Total domestic deposits to total assets | 96.9258% | 22 |
| Equity capital to assets | 2.8758% | 7,855 |
| Core capital (leverage) ratio | 2.7630% | 7,853 |
| Tier 1 risk-based capital ratio | 4.1189% | 7,839 |
| Total risk-based capital ratio | 5.4237% | 7,841 |
| Memoranda: | ||
| Average total assets | $214,783,500 | 3,049 |
| Average earning assets | $175,924,000 | 3,308 |
| Average equity | $6,907,000 | 6,220 |
| Average total loans | $149,723,500 | 2,906 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4548% | 4,416 |
| Cost of funding earning assets | 3.3413% | 81 |
| Net interest margin | 2.1134% | 7,696 |
| Noninterest income to average assets | -1.4613% | 7,999 |
| Noninterest expense to average assets | 3.0372% | 4,000 |
| Loan and lease loss provision to assets | 4.4815% | 264 |
| Net operating income to assets | -7.1878% | 7,904 |
| Return on assets (ROA) | -7.1878% | 7,899 |
| Pretax return on assets | -7.1878% | 7,877 |
| Return on Equity (ROE) | -115.3282% | 7,960 |
| Retained earnings to average equity (ytd only) | -115.3282% | 7,960 |
| Net charge-offs to loans | 5.1862% | 234 |
| Credit loss provision to net charge-offs | 112.5912% | 4,873 |
| Earnings coverage of net charge-offs (x) | -0.6799% | 6,797 |
| Efficiency ratio | 917.7885% | 16 |
| Assets per employee ($millions) | 4.9088% | 2,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2331% | 152 |
| Loan loss allowance to noncurrent loans | 83.8932% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 16.8287% | 98 |
| Noncurrent loans to loans | 6.2379% | 987 |
| Net loans and leases to total assets | 66.9528% | 3,937 |
| Net loans and leases to deposits | 69.5121% | 5,670 |
| Net loans and leases to core deposits | 97.9340% | 4,225 |
| Total domestic deposits to total assets | 96.3182% | 33 |
| Equity capital to assets | 3.5370% | 7,886 |
| Core capital (leverage) ratio | 3.4268% | 7,882 |
| Tier 1 risk-based capital ratio | 4.9627% | 7,869 |
| Total risk-based capital ratio | 6.2611% | 7,870 |
| Memoranda: | ||
| Average total assets | $251,411,800 | 2,592 |
| Average earning assets | $213,208,600 | 2,791 |
| Average equity | $15,669,200 | 3,933 |
| Average total loans | $192,954,400 | 2,368 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4640% | 4,610 |
| Cost of funding earning assets | 3.4702% | 82 |
| Net interest margin | 1.9938% | 7,814 |
| Noninterest income to average assets | -0.6856% | 8,061 |
| Noninterest expense to average assets | 2.5864% | 5,761 |
| Loan and lease loss provision to assets | 5.6973% | 121 |
| Net operating income to assets | -7.2656% | 7,986 |
| Return on assets (ROA) | -7.2656% | 7,988 |
| Pretax return on assets | -7.2656% | 7,969 |
| Return on Equity (ROE) | -106.7351% | 8,022 |
| Retained earnings to average equity (ytd only) | -106.7351% | 8,019 |
| Net charge-offs to loans | 6.2920% | 132 |
| Credit loss provision to net charge-offs | 116.0151% | 4,377 |
| Earnings coverage of net charge-offs (x) | -0.3194% | 6,372 |
| Efficiency ratio | 254.0445% | 83 |
| Assets per employee ($millions) | 5.1308% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7992% | 159 |
| Loan loss allowance to noncurrent loans | 65.9809% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 16.6804% | 86 |
| Noncurrent loans to loans | 7.2736% | 721 |
| Net loans and leases to total assets | 72.4693% | 2,925 |
| Net loans and leases to deposits | 75.6779% | 5,099 |
| Net loans and leases to core deposits | 109.0898% | 3,337 |
| Total domestic deposits to total assets | 95.7603% | 29 |
| Equity capital to assets | 4.2090% | 7,993 |
| Core capital (leverage) ratio | 4.0474% | 7,983 |
| Tier 1 risk-based capital ratio | 5.5858% | 7,971 |
| Total risk-based capital ratio | 6.8802% | 7,977 |
| Memoranda: | ||
| Average total assets | $259,040,750 | 2,535 |
| Average earning assets | $221,344,500 | 2,704 |
| Average equity | $17,633,250 | 3,589 |
| Average total loans | $202,177,250 | 2,300 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6088% | 4,030 |
| Cost of funding earning assets | 3.6057% | 77 |
| Net interest margin | 2.0030% | 7,864 |
| Noninterest income to average assets | -0.6020% | 8,130 |
| Noninterest expense to average assets | 2.4394% | 6,336 |
| Loan and lease loss provision to assets | 4.8714% | 222 |
| Net operating income to assets | -6.1827% | 8,008 |
| Return on assets (ROA) | -6.1827% | 7,999 |
| Pretax return on assets | -6.1827% | 7,955 |
| Return on Equity (ROE) | -81.8679% | 8,043 |
| Retained earnings to average equity (ytd only) | -81.8679% | 8,042 |
| Net charge-offs to loans | 3.6192% | 422 |
| Credit loss provision to net charge-offs | 171.2415% | 2,687 |
| Earnings coverage of net charge-offs (x) | -0.4610% | 6,054 |
| Efficiency ratio | 216.2483% | 166 |
| Assets per employee ($millions) | 5.5412% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0546% | 125 |
| Loan loss allowance to noncurrent loans | 57.0557% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 18.5225% | 54 |
| Noncurrent loans to loans | 8.8591% | 453 |
| Net loans and leases to total assets | 72.5196% | 3,080 |
| Net loans and leases to deposits | 77.3795% | 4,959 |
| Net loans and leases to core deposits | 111.9432% | 3,140 |
| Total domestic deposits to total assets | 93.7194% | 66 |
| Equity capital to assets | 6.2304% | 7,887 |
| Core capital (leverage) ratio | 5.8879% | 7,946 |
| Tier 1 risk-based capital ratio | 7.7964% | 7,932 |
| Total risk-based capital ratio | 9.0906% | 7,946 |
| Memoranda: | ||
| Average total assets | $268,425,000 | 2,459 |
| Average earning assets | $231,852,000 | 2,610 |
| Average equity | $20,271,670 | 3,200 |
| Average total loans | $210,983,670 | 2,240 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8344% | 3,120 |
| Cost of funding earning assets | 3.6855% | 94 |
| Net interest margin | 2.1489% | 7,829 |
| Noninterest income to average assets | -0.1914% | 8,161 |
| Noninterest expense to average assets | 2.2564% | 6,671 |
| Loan and lease loss provision to assets | 2.8839% | 381 |
| Net operating income to assets | -3.4379% | 7,910 |
| Return on assets (ROA) | -3.4379% | 7,907 |
| Pretax return on assets | -3.4379% | 7,826 |
| Return on Equity (ROE) | -42.2094% | 8,011 |
| Retained earnings to average equity (ytd only) | -42.2094% | 7,991 |
| Net charge-offs to loans | 2.4552% | 578 |
| Credit loss provision to net charge-offs | 147.5700% | 2,821 |
| Earnings coverage of net charge-offs (x) | -0.2835% | 5,176 |
| Efficiency ratio | 132.5444% | 484 |
| Assets per employee ($millions) | 5.8622% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6043% | 298 |
| Loan loss allowance to noncurrent loans | 51.9392% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 15.3059% | 75 |
| Noncurrent loans to loans | 6.9395% | 584 |
| Net loans and leases to total assets | 76.5736% | 2,146 |
| Net loans and leases to deposits | 83.3579% | 4,082 |
| Net loans and leases to core deposits | 121.4494% | 2,298 |
| Total domestic deposits to total assets | 91.8613% | 202 |
| Equity capital to assets | 8.1292% | 6,629 |
| Core capital (leverage) ratio | 7.6273% | 6,988 |
| Tier 1 risk-based capital ratio | 9.7723% | 7,175 |
| Total risk-based capital ratio | 11.0491% | 7,044 |
| Memoranda: | ||
| Average total assets | $277,959,500 | 2,402 |
| Average earning assets | $244,960,000 | 2,495 |
| Average equity | $22,639,500 | 2,907 |
| Average total loans | $221,246,000 | 2,172 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0669% | 976 |
| Cost of funding earning assets | 4.1888% | 49 |
| Net interest margin | 2.8781% | 7,195 |
| Noninterest income to average assets | -0.5227% | 8,273 |
| Noninterest expense to average assets | 1.8929% | 7,627 |
| Loan and lease loss provision to assets | 2.7333% | 358 |
| Net operating income to assets | -2.4709% | 7,701 |
| Return on assets (ROA) | -2.4709% | 7,672 |
| Pretax return on assets | -2.4709% | 7,584 |
| Return on Equity (ROE) | -25.7671% | 7,875 |
| Retained earnings to average equity (ytd only) | -25.7671% | 7,823 |
| Net charge-offs to loans | 1.9658% | 551 |
| Credit loss provision to net charge-offs | 158.0875% | 3,284 |
| Earnings coverage of net charge-offs (x) | 0.1517% | 6,157 |
| Efficiency ratio | 87.8286% | 1,694 |
| Assets per employee ($millions) | 6.4915% | 892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9652% | 451 |
| Loan loss allowance to noncurrent loans | 52.8705% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 11.0257% | 126 |
| Noncurrent loans to loans | 5.6084% | 706 |
| Net loans and leases to total assets | 77.3763% | 2,296 |
| Net loans and leases to deposits | 84.2638% | 4,384 |
| Net loans and leases to core deposits | 124.3761% | 2,296 |
| Total domestic deposits to total assets | 91.8262% | 155 |
| Equity capital to assets | 8.1590% | 6,617 |
| Core capital (leverage) ratio | 7.9856% | 6,521 |
| Tier 1 risk-based capital ratio | 9.6927% | 7,094 |
| Total risk-based capital ratio | 10.9619% | 6,972 |
| Memoranda: | ||
| Average total assets | $300,008,200 | 2,206 |
| Average earning assets | $279,147,000 | 2,180 |
| Average equity | $28,769,200 | 2,352 |
| Average total loans | $263,856,000 | 1,812 |