Home > BTC Legacy Corp. > Performance and Condition Ratios
BTC Legacy Corp., 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 | 4.6143% | 3,299 |
| Cost of funding earning assets | 0.8243% | 2,997 |
| Net interest margin | 3.7900% | 3,409 |
| Noninterest income to average assets | 0.1796% | 6,284 |
| Noninterest expense to average assets | 6.4277% | 181 |
| Loan and lease loss provision to assets | -0.1796% | 7,147 |
| Net operating income to assets | -2.6386% | 7,132 |
| Return on assets (ROA) | -2.6301% | 7,140 |
| Pretax return on assets | -2.6386% | 7,129 |
| Return on Equity (ROE) | -65.8575% | 7,190 |
| Retained earnings to average equity (ytd only) | -65.8575% | 7,184 |
| Net charge-offs to loans | -0.1130% | 6,878 |
| Credit loss provision to net charge-offs | 200.0000% | 1,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 178.5036% | 59 |
| Assets per employee ($millions) | 2.1553% | 6,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6577% | 6,872 |
| Loan loss allowance to noncurrent loans | 18.9317% | 6,549 |
| Noncurrent assets plus other real estate owned to assets | 5.4858% | 813 |
| Noncurrent loans to loans | 3.4741% | 1,654 |
| Net loans and leases to total assets | 80.4251% | 461 |
| Net loans and leases to deposits | 92.3112% | 915 |
| Net loans and leases to core deposits | 93.7013% | 1,634 |
| Total domestic deposits to total assets | 87.1239% | 2,703 |
| Equity capital to assets | 3.3803% | 7,167 |
| Core capital (leverage) ratio | 3.2938% | 7,161 |
| Tier 1 risk-based capital ratio | 5.2449% | 7,158 |
| Total risk-based capital ratio | 6.1070% | 7,169 |
| Memoranda: | ||
| Average total assets | $46,766,670 | 6,417 |
| Average earning assets | $42,216,330 | 6,409 |
| Average equity | $1,867,670 | 7,111 |
| Average total loans | $37,156,330 | 5,726 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6499% | 3,269 |
| Cost of funding earning assets | 0.8446% | 3,107 |
| Net interest margin | 3.8053% | 3,372 |
| Noninterest income to average assets | 0.1852% | 6,270 |
| Noninterest expense to average assets | 5.5978% | 251 |
| Loan and lease loss provision to assets | -0.2104% | 7,212 |
| Net operating income to assets | -1.7593% | 7,133 |
| Return on assets (ROA) | -1.7593% | 7,137 |
| Pretax return on assets | -1.7509% | 7,114 |
| Return on Equity (ROE) | -41.0508% | 7,205 |
| Retained earnings to average equity (ytd only) | -41.0508% | 7,191 |
| Net charge-offs to loans | 0.1069% | 3,488 |
| Credit loss provision to net charge-offs | -250.0000% | 5,635 |
| Earnings coverage of net charge-offs (x) | -23.3000% | 4,709 |
| Efficiency ratio | 153.9352% | 94 |
| Assets per employee ($millions) | 2.2320% | 7,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6098% | 6,976 |
| Loan loss allowance to noncurrent loans | 25.5056% | 6,359 |
| Noncurrent assets plus other real estate owned to assets | 4.1965% | 1,293 |
| Noncurrent loans to loans | 2.3908% | 2,715 |
| Net loans and leases to total assets | 78.9363% | 492 |
| Net loans and leases to deposits | 89.9672% | 965 |
| Net loans and leases to core deposits | 91.2654% | 1,722 |
| Total domestic deposits to total assets | 87.7389% | 2,503 |
| Equity capital to assets | 4.1197% | 7,178 |
| Core capital (leverage) ratio | 4.1138% | 7,169 |
| Tier 1 risk-based capital ratio | 6.5342% | 7,155 |
| Total risk-based capital ratio | 7.3268% | 7,173 |
| Memoranda: | ||
| Average total assets | $47,519,000 | 6,448 |
| Average earning assets | $43,098,000 | 6,424 |
| Average equity | $2,036,500 | 7,140 |
| Average total loans | $37,413,000 | 5,760 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7203% | 4,167 |
| Cost of funding earning assets | 0.9230% | 3,934 |
| Net interest margin | 3.7973% | 3,829 |
| Noninterest income to average assets | 0.1637% | 6,320 |
| Noninterest expense to average assets | 5.8982% | 221 |
| Loan and lease loss provision to assets | 0.2176% | 4,018 |
| Net operating income to assets | -2.4325% | 7,106 |
| Return on assets (ROA) | -2.2023% | 7,076 |
| Pretax return on assets | -2.2302% | 7,072 |
| Return on Equity (ROE) | -45.8098% | 7,189 |
| Retained earnings to average equity (ytd only) | -46.9705% | 7,190 |
| Net charge-offs to loans | 0.8528% | 2,035 |
| Credit loss provision to net charge-offs | 35.5623% | 5,702 |
| Earnings coverage of net charge-offs (x) | -3.6687% | 6,344 |
| Efficiency ratio | 161.4562% | 112 |
| Assets per employee ($millions) | 2.1894% | 7,083 |
| Cash dividends to net income (ytd only)* | -2.5338% | 7,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6968% | 6,910 |
| Loan loss allowance to noncurrent loans | 21.7608% | 6,557 |
| Noncurrent assets plus other real estate owned to assets | 4.3267% | 1,284 |
| Noncurrent loans to loans | 3.2021% | 2,019 |
| Net loans and leases to total assets | 77.5194% | 767 |
| Net loans and leases to deposits | 83.7419% | 1,959 |
| Net loans and leases to core deposits | 84.8514% | 2,764 |
| Total domestic deposits to total assets | 92.5694% | 173 |
| Equity capital to assets | 4.4471% | 7,197 |
| Core capital (leverage) ratio | 4.2490% | 7,191 |
| Tier 1 risk-based capital ratio | 7.1493% | 7,150 |
| Total risk-based capital ratio | 8.0489% | 7,173 |
| Memoranda: | ||
| Average total assets | $53,762,000 | 6,239 |
| Average earning assets | $49,403,200 | 6,219 |
| Average equity | $2,584,600 | 7,103 |
| Average total loans | $38,577,200 | 5,752 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7305% | 4,321 |
| Cost of funding earning assets | 0.9256% | 4,231 |
| Net interest margin | 3.8048% | 3,855 |
| Noninterest income to average assets | 0.2925% | 5,518 |
| Noninterest expense to average assets | 5.6319% | 243 |
| Loan and lease loss provision to assets | 0.3650% | 2,669 |
| Net operating income to assets | -2.0920% | 7,149 |
| Return on assets (ROA) | -1.8853% | 7,128 |
| Pretax return on assets | -1.9796% | 7,119 |
| Return on Equity (ROE) | -38.5853% | 7,248 |
| Retained earnings to average equity (ytd only) | -40.1191% | 7,246 |
| Net charge-offs to loans | 1.2055% | 1,300 |
| Credit loss provision to net charge-offs | 43.0199% | 5,182 |
| Earnings coverage of net charge-offs (x) | -2.1595% | 6,029 |
| Efficiency ratio | 148.2188% | 146 |
| Assets per employee ($millions) | 2.0703% | 7,210 |
| Cash dividends to net income (ytd only)* | -3.9742% | 7,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7163% | 6,940 |
| Loan loss allowance to noncurrent loans | 12.3702% | 6,865 |
| Noncurrent assets plus other real estate owned to assets | 5.8949% | 916 |
| Noncurrent loans to loans | 5.7907% | 987 |
| Net loans and leases to total assets | 73.3756% | 1,434 |
| Net loans and leases to deposits | 82.6449% | 2,233 |
| Net loans and leases to core deposits | 84.1763% | 3,042 |
| Total domestic deposits to total assets | 88.7841% | 1,555 |
| Equity capital to assets | 4.5231% | 7,292 |
| Core capital (leverage) ratio | 4.1436% | 7,291 |
| Tier 1 risk-based capital ratio | 7.2873% | 7,227 |
| Total risk-based capital ratio | 8.1839% | 7,251 |
| Memoranda: | ||
| Average total assets | $55,161,000 | 6,238 |
| Average earning assets | $50,846,250 | 6,208 |
| Average equity | $2,695,250 | 7,141 |
| Average total loans | $38,821,500 | 5,799 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6688% | 4,667 |
| Cost of funding earning assets | 0.9338% | 4,433 |
| Net interest margin | 3.7351% | 4,099 |
| Noninterest income to average assets | 0.3055% | 5,453 |
| Noninterest expense to average assets | 5.5635% | 258 |
| Loan and lease loss provision to assets | 0.2203% | 3,715 |
| Net operating income to assets | -1.8946% | 7,175 |
| Return on assets (ROA) | -1.8545% | 7,176 |
| Pretax return on assets | -1.9824% | 7,157 |
| Return on Equity (ROE) | -37.1090% | 7,295 |
| Retained earnings to average equity (ytd only) | -39.2418% | 7,298 |
| Net charge-offs to loans | 0.7639% | 1,971 |
| Credit loss provision to net charge-offs | 41.6107% | 4,790 |
| Earnings coverage of net charge-offs (x) | -3.4094% | 5,766 |
| Efficiency ratio | 148.0151% | 165 |
| Assets per employee ($millions) | 2.3102% | 7,112 |
| Cash dividends to net income (ytd only)* | -5.7471% | 7,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9862% | 6,388 |
| Loan loss allowance to noncurrent loans | 15.6111% | 6,850 |
| Noncurrent assets plus other real estate owned to assets | 5.3657% | 1,111 |
| Noncurrent loans to loans | 6.3171% | 903 |
| Net loans and leases to total assets | 67.2761% | 2,771 |
| Net loans and leases to deposits | 81.1715% | 2,585 |
| Net loans and leases to core deposits | 83.4984% | 3,286 |
| Total domestic deposits to total assets | 82.8814% | 4,813 |
| Equity capital to assets | 4.4913% | 7,358 |
| Core capital (leverage) ratio | 4.4365% | 7,342 |
| Tier 1 risk-based capital ratio | 7.7628% | 7,259 |
| Total risk-based capital ratio | 9.0026% | 7,269 |
| Memoranda: | ||
| Average total assets | $56,295,670 | 6,254 |
| Average earning assets | $52,047,330 | 6,217 |
| Average equity | $2,813,330 | 7,179 |
| Average total loans | $39,011,670 | 5,842 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6445% | 4,764 |
| Cost of funding earning assets | 0.9569% | 4,515 |
| Net interest margin | 3.6876% | 4,170 |
| Noninterest income to average assets | 0.2016% | 6,284 |
| Noninterest expense to average assets | 5.3558% | 283 |
| Loan and lease loss provision to assets | 0.1944% | 3,683 |
| Net operating income to assets | -1.8425% | 7,261 |
| Return on assets (ROA) | -1.8357% | 7,257 |
| Pretax return on assets | -1.9293% | 7,241 |
| Return on Equity (ROE) | -34.8957% | 7,355 |
| Retained earnings to average equity (ytd only) | -34.8957% | 7,331 |
| Net charge-offs to loans | -0.2160% | 7,272 |
| Credit loss provision to net charge-offs | -128.5714% | 5,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.2072% | 173 |
| Assets per employee ($millions) | 2.0269% | 7,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 4,887 |
| Loan loss allowance to noncurrent loans | 16.6720% | 6,876 |
| Noncurrent assets plus other real estate owned to assets | 6.0333% | 955 |
| Noncurrent loans to loans | 8.1160% | 602 |
| Net loans and leases to total assets | 67.0567% | 2,745 |
| Net loans and leases to deposits | 83.3940% | 2,119 |
| Net loans and leases to core deposits | 85.8955% | 2,889 |
| Total domestic deposits to total assets | 80.4095% | 5,837 |
| Equity capital to assets | 4.8809% | 7,381 |
| Core capital (leverage) ratio | 5.0370% | 7,361 |
| Tier 1 risk-based capital ratio | 8.7020% | 7,245 |
| Total risk-based capital ratio | 9.9982% | 7,248 |
| Memoranda: | ||
| Average total assets | $55,565,500 | 6,324 |
| Average earning assets | $51,416,000 | 6,291 |
| Average equity | $2,923,000 | 7,190 |
| Average total loans | $38,896,000 | 5,895 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0438% | 4,350 |
| Cost of funding earning assets | 1.2975% | 3,899 |
| Net interest margin | 3.7463% | 4,162 |
| Noninterest income to average assets | 1.9567% | 413 |
| Noninterest expense to average assets | 5.3943% | 322 |
| Loan and lease loss provision to assets | 1.2065% | 1,293 |
| Net operating income to assets | -2.1471% | 7,093 |
| Return on assets (ROA) | -1.8811% | 7,039 |
| Pretax return on assets | -0.9392% | 6,597 |
| Return on Equity (ROE) | -36.1796% | 7,300 |
| Retained earnings to average equity (ytd only) | -38.7100% | 7,326 |
| Net charge-offs to loans | 2.7076% | 668 |
| Credit loss provision to net charge-offs | 61.5714% | 6,060 |
| Earnings coverage of net charge-offs (x) | 0.0007% | 6,128 |
| Efficiency ratio | 99.9741% | 776 |
| Assets per employee ($millions) | 1.9421% | 7,442 |
| Cash dividends to net income (ytd only)* | -6.9940% | 7,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 5,464 |
| Loan loss allowance to noncurrent loans | 14.5846% | 6,998 |
| Noncurrent assets plus other real estate owned to assets | 6.8574% | 808 |
| Noncurrent loans to loans | 8.2879% | 608 |
| Net loans and leases to total assets | 71.2407% | 2,249 |
| Net loans and leases to deposits | 90.0072% | 1,518 |
| Net loans and leases to core deposits | 93.5455% | 2,318 |
| Total domestic deposits to total assets | 79.1500% | 6,047 |
| Equity capital to assets | 5.6566% | 7,385 |
| Core capital (leverage) ratio | 5.2941% | 7,386 |
| Tier 1 risk-based capital ratio | 9.3937% | 7,163 |
| Total risk-based capital ratio | 10.6871% | 7,158 |
| Memoranda: | ||
| Average total assets | $71,446,400 | 5,842 |
| Average earning assets | $65,585,200 | 5,812 |
| Average equity | $3,714,800 | 7,079 |
| Average total loans | $51,706,000 | 5,418 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2110% | 3,776 |
| Cost of funding earning assets | 1.3555% | 3,862 |
| Net interest margin | 3.8554% | 3,729 |
| Noninterest income to average assets | 2.2224% | 325 |
| Noninterest expense to average assets | 5.3516% | 295 |
| Loan and lease loss provision to assets | 1.0548% | 1,397 |
| Net operating income to assets | -0.5640% | 6,641 |
| Return on assets (ROA) | -0.4614% | 6,608 |
| Pretax return on assets | -0.5301% | 6,576 |
| Return on Equity (ROE) | -9.0159% | 6,886 |
| Retained earnings to average equity (ytd only) | -14.3154% | 7,053 |
| Net charge-offs to loans | 3.0907% | 486 |
| Credit loss provision to net charge-offs | 47.1282% | 5,923 |
| Earnings coverage of net charge-offs (x) | 0.1817% | 5,830 |
| Efficiency ratio | 92.9358% | 1,063 |
| Assets per employee ($millions) | 2.1993% | 7,385 |
| Cash dividends to net income (ytd only)* | -58.7799% | 7,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8856% | 6,786 |
| Loan loss allowance to noncurrent loans | 10.0265% | 7,183 |
| Noncurrent assets plus other real estate owned to assets | 6.8123% | 810 |
| Noncurrent loans to loans | 8.8331% | 553 |
| Net loans and leases to total assets | 61.9714% | 4,537 |
| Net loans and leases to deposits | 92.2835% | 1,408 |
| Net loans and leases to core deposits | 96.7572% | 2,173 |
| Total domestic deposits to total assets | 67.1533% | 7,421 |
| Equity capital to assets | 6.9665% | 7,353 |
| Core capital (leverage) ratio | 5.2076% | 7,529 |
| Tier 1 risk-based capital ratio | 11.1262% | 6,257 |
| Total risk-based capital ratio | 12.2273% | 6,380 |
| Memoranda: | ||
| Average total assets | $75,713,250 | 5,782 |
| Average earning assets | $69,441,500 | 5,754 |
| Average equity | $3,874,500 | 7,123 |
| Average total loans | $54,829,000 | 5,355 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1591% | 4,146 |
| Cost of funding earning assets | 1.3893% | 3,942 |
| Net interest margin | 3.7698% | 4,048 |
| Noninterest income to average assets | 0.2188% | 6,351 |
| Noninterest expense to average assets | 4.6304% | 508 |
| Loan and lease loss provision to assets | 1.1539% | 1,236 |
| Net operating income to assets | -1.8267% | 7,264 |
| Return on assets (ROA) | -1.7358% | 7,245 |
| Pretax return on assets | -1.9994% | 7,237 |
| Return on Equity (ROE) | -37.3662% | 7,509 |
| Retained earnings to average equity (ytd only) | -45.5567% | 7,571 |
| Net charge-offs to loans | 2.2996% | 774 |
| Credit loss provision to net charge-offs | 66.9553% | 5,051 |
| Earnings coverage of net charge-offs (x) | -0.5512% | 6,030 |
| Efficiency ratio | 125.8108% | 350 |
| Assets per employee ($millions) | 2.3675% | 7,270 |
| Cash dividends to net income (ytd only)* | -21.9198% | 7,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 4,831 |
| Loan loss allowance to noncurrent loans | 19.8934% | 6,946 |
| Noncurrent assets plus other real estate owned to assets | 6.1048% | 953 |
| Noncurrent loans to loans | 6.6060% | 895 |
| Net loans and leases to total assets | 73.1409% | 2,129 |
| Net loans and leases to deposits | 96.1554% | 1,036 |
| Net loans and leases to core deposits | 107.1021% | 1,365 |
| Total domestic deposits to total assets | 76.0653% | 6,681 |
| Equity capital to assets | 4.0810% | 7,690 |
| Core capital (leverage) ratio | 3.4045% | 7,715 |
| Tier 1 risk-based capital ratio | 5.3629% | 7,681 |
| Total risk-based capital ratio | 6.6343% | 7,681 |
| Memoranda: | ||
| Average total assets | $80,424,330 | 5,688 |
| Average earning assets | $73,850,670 | 5,647 |
| Average equity | $3,736,000 | 7,202 |
| Average total loans | $60,271,000 | 5,164 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1450% | 4,322 |
| Cost of funding earning assets | 1.4204% | 4,044 |
| Net interest margin | 3.7245% | 4,125 |
| Noninterest income to average assets | 0.0945% | 7,235 |
| Noninterest expense to average assets | 4.6772% | 482 |
| Loan and lease loss provision to assets | -0.0448% | 7,857 |
| Net operating income to assets | -0.9343% | 7,073 |
| Return on assets (ROA) | -0.8558% | 7,066 |
| Pretax return on assets | -1.0250% | 7,060 |
| Return on Equity (ROE) | -17.3672% | 7,379 |
| Retained earnings to average equity (ytd only) | -24.9400% | 7,460 |
| Net charge-offs to loans | 3.5789% | 390 |
| Credit loss provision to net charge-offs | -1.6605% | 5,945 |
| Earnings coverage of net charge-offs (x) | -0.4317% | 5,257 |
| Efficiency ratio | 133.1445% | 307 |
| Assets per employee ($millions) | 2.4551% | 7,265 |
| Cash dividends to net income (ytd only)* | -43.6047% | 7,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7740% | 7,191 |
| Loan loss allowance to noncurrent loans | 13.5524% | 7,250 |
| Noncurrent assets plus other real estate owned to assets | 5.5025% | 1,126 |
| Noncurrent loans to loans | 5.7112% | 1,188 |
| Net loans and leases to total assets | 73.1047% | 2,177 |
| Net loans and leases to deposits | 97.1333% | 986 |
| Net loans and leases to core deposits | 109.9564% | 1,274 |
| Total domestic deposits to total assets | 75.2623% | 6,869 |
| Equity capital to assets | 4.7496% | 7,741 |
| Core capital (leverage) ratio | 4.2042% | 7,761 |
| Tier 1 risk-based capital ratio | 6.4635% | 7,729 |
| Total risk-based capital ratio | 7.4282% | 7,744 |
| Memoranda: | ||
| Average total assets | $80,389,500 | 5,757 |
| Average earning assets | $73,781,000 | 5,712 |
| Average equity | $3,961,500 | 7,204 |
| Average total loans | $60,577,500 | 5,223 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5149% | 4,066 |
| Cost of funding earning assets | 2.0930% | 2,501 |
| Net interest margin | 3.4218% | 5,283 |
| Noninterest income to average assets | 0.2351% | 6,422 |
| Noninterest expense to average assets | 4.9100% | 559 |
| Loan and lease loss provision to assets | 1.1117% | 2,061 |
| Net operating income to assets | -2.8661% | 7,364 |
| Return on assets (ROA) | -2.5627% | 7,285 |
| Pretax return on assets | -2.3461% | 7,084 |
| Return on Equity (ROE) | -40.7146% | 7,583 |
| Retained earnings to average equity (ytd only) | -47.1538% | 7,644 |
| Net charge-offs to loans | 2.3692% | 968 |
| Credit loss provision to net charge-offs | 63.1579% | 6,595 |
| Earnings coverage of net charge-offs (x) | -0.8737% | 6,854 |
| Efficiency ratio | 145.6044% | 346 |
| Assets per employee ($millions) | 2.4170% | 7,331 |
| Cash dividends to net income (ytd only)* | -15.8156% | 7,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6481% | 3,094 |
| Loan loss allowance to noncurrent loans | 33.2458% | 6,225 |
| Noncurrent assets plus other real estate owned to assets | 4.5749% | 1,406 |
| Noncurrent loans to loans | 4.9573% | 1,369 |
| Net loans and leases to total assets | 75.7914% | 1,857 |
| Net loans and leases to deposits | 101.7882% | 763 |
| Net loans and leases to core deposits | 134.8743% | 1,009 |
| Total domestic deposits to total assets | 74.4599% | 6,953 |
| Equity capital to assets | 5.1090% | 7,781 |
| Core capital (leverage) ratio | 4.3092% | 7,824 |
| Tier 1 risk-based capital ratio | 6.8110% | 7,767 |
| Total risk-based capital ratio | 8.0986% | 7,768 |
| Memoranda: | ||
| Average total assets | $86,354,800 | 5,510 |
| Average earning assets | $79,168,000 | 5,484 |
| Average equity | $5,435,400 | 6,790 |
| Average total loans | $64,157,000 | 5,096 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4500% | 4,686 |
| Cost of funding earning assets | 2.1843% | 2,481 |
| Net interest margin | 3.2657% | 5,771 |
| Noninterest income to average assets | 0.2757% | 6,261 |
| Noninterest expense to average assets | 4.6891% | 617 |
| Loan and lease loss provision to assets | 0.5530% | 3,171 |
| Net operating income to assets | -1.2954% | 7,012 |
| Return on assets (ROA) | -1.0484% | 6,872 |
| Pretax return on assets | -1.5999% | 7,010 |
| Return on Equity (ROE) | -15.9751% | 7,236 |
| Retained earnings to average equity (ytd only) | -22.7622% | 7,431 |
| Net charge-offs to loans | 0.8802% | 2,206 |
| Credit loss provision to net charge-offs | 85.2804% | 5,617 |
| Earnings coverage of net charge-offs (x) | -2.1916% | 6,759 |
| Efficiency ratio | 143.4863% | 352 |
| Assets per employee ($millions) | 2.6352% | 6,974 |
| Cash dividends to net income (ytd only)* | -42.4857% | 7,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3688% | 1,206 |
| Loan loss allowance to noncurrent loans | 32.5011% | 6,269 |
| Noncurrent assets plus other real estate owned to assets | 5.9436% | 911 |
| Noncurrent loans to loans | 7.2883% | 719 |
| Net loans and leases to total assets | 73.8040% | 2,589 |
| Net loans and leases to deposits | 99.8524% | 1,118 |
| Net loans and leases to core deposits | 136.6923% | 1,067 |
| Total domestic deposits to total assets | 73.9131% | 6,959 |
| Equity capital to assets | 6.7891% | 7,681 |
| Core capital (leverage) ratio | 6.2011% | 7,761 |
| Tier 1 risk-based capital ratio | 9.6477% | 7,278 |
| Total risk-based capital ratio | 10.9481% | 7,193 |
| Memoranda: | ||
| Average total assets | $88,003,250 | 5,479 |
| Average earning assets | $80,633,750 | 5,476 |
| Average equity | $5,775,500 | 6,745 |
| Average total loans | $64,830,000 | 5,114 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5133% | 4,550 |
| Cost of funding earning assets | 2.2742% | 2,472 |
| Net interest margin | 3.2391% | 5,773 |
| Noninterest income to average assets | 0.2936% | 6,157 |
| Noninterest expense to average assets | 4.4178% | 846 |
| Loan and lease loss provision to assets | 0.3878% | 3,588 |
| Net operating income to assets | -1.0031% | 6,990 |
| Return on assets (ROA) | -0.6433% | 6,703 |
| Pretax return on assets | -0.9862% | 6,806 |
| Return on Equity (ROE) | -9.9097% | 7,024 |
| Retained earnings to average equity (ytd only) | -16.0902% | 7,300 |
| Net charge-offs to loans | 0.8529% | 1,986 |
| Credit loss provision to net charge-offs | 62.2302% | 5,558 |
| Earnings coverage of net charge-offs (x) | -1.8489% | 6,339 |
| Efficiency ratio | 135.2780% | 480 |
| Assets per employee ($millions) | 2.4501% | 7,345 |
| Cash dividends to net income (ytd only)* | -62.3693% | 8,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2318% | 1,184 |
| Loan loss allowance to noncurrent loans | 28.5270% | 6,592 |
| Noncurrent assets plus other real estate owned to assets | 6.4732% | 709 |
| Noncurrent loans to loans | 7.8234% | 575 |
| Net loans and leases to total assets | 74.9933% | 2,435 |
| Net loans and leases to deposits | 102.2547% | 1,057 |
| Net loans and leases to core deposits | 144.8858% | 804 |
| Total domestic deposits to total assets | 73.3397% | 7,060 |
| Equity capital to assets | 6.3368% | 7,855 |
| Core capital (leverage) ratio | 5.3120% | 7,999 |
| Tier 1 risk-based capital ratio | 8.0647% | 7,908 |
| Total risk-based capital ratio | 9.3518% | 7,924 |
| Memoranda: | ||
| Average total assets | $89,229,000 | 5,487 |
| Average earning assets | $81,875,330 | 5,473 |
| Average equity | $5,792,330 | 6,799 |
| Average total loans | $65,191,330 | 5,133 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7100% | 3,752 |
| Cost of funding earning assets | 2.3568% | 2,485 |
| Net interest margin | 3.3532% | 5,312 |
| Noninterest income to average assets | 0.4221% | 5,023 |
| Noninterest expense to average assets | 4.4983% | 709 |
| Loan and lease loss provision to assets | 0.0572% | 6,244 |
| Net operating income to assets | -0.9184% | 7,209 |
| Return on assets (ROA) | -0.1495% | 6,584 |
| Pretax return on assets | -0.1715% | 6,540 |
| Return on Equity (ROE) | -2.2775% | 6,693 |
| Retained earnings to average equity (ytd only) | -4.6889% | 6,514 |
| Net charge-offs to loans | 1.1033% | 1,234 |
| Credit loss provision to net charge-offs | 7.2626% | 5,218 |
| Earnings coverage of net charge-offs (x) | -1.2682% | 5,407 |
| Efficiency ratio | 128.5176% | 518 |
| Assets per employee ($millions) | 2.7563% | 6,753 |
| Cash dividends to net income (ytd only)* | -105.8824% | 8,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1723% | 1,116 |
| Loan loss allowance to noncurrent loans | 30.1285% | 6,543 |
| Noncurrent assets plus other real estate owned to assets | 5.4839% | 778 |
| Noncurrent loans to loans | 7.2101% | 541 |
| Net loans and leases to total assets | 69.6626% | 3,759 |
| Net loans and leases to deposits | 92.3242% | 2,542 |
| Net loans and leases to core deposits | 133.7224% | 1,428 |
| Total domestic deposits to total assets | 75.4543% | 6,611 |
| Equity capital to assets | 6.4712% | 7,883 |
| Core capital (leverage) ratio | 5.6148% | 8,068 |
| Tier 1 risk-based capital ratio | 8.8788% | 7,853 |
| Total risk-based capital ratio | 10.1618% | 7,878 |
| Memoranda: | ||
| Average total assets | $90,967,000 | 5,454 |
| Average earning assets | $83,502,000 | 5,443 |
| Average equity | $5,971,500 | 6,774 |
| Average total loans | $64,898,500 | 5,171 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4022% | 3,410 |
| Cost of funding earning assets | 2.9646% | 2,009 |
| Net interest margin | 3.4376% | 5,517 |
| Noninterest income to average assets | 0.4311% | 5,203 |
| Noninterest expense to average assets | 3.8630% | 1,636 |
| Loan and lease loss provision to assets | 1.9039% | 657 |
| Net operating income to assets | -1.7879% | 7,553 |
| Return on assets (ROA) | -1.6846% | 7,478 |
| Pretax return on assets | -2.0671% | 7,455 |
| Return on Equity (ROE) | -22.9941% | 7,827 |
| Retained earnings to average equity (ytd only) | -24.9115% | 7,807 |
| Net charge-offs to loans | 1.0283% | 1,205 |
| Credit loss provision to net charge-offs | 266.1631% | 1,743 |
| Earnings coverage of net charge-offs (x) | -0.4063% | 6,459 |
| Efficiency ratio | 108.1367% | 754 |
| Assets per employee ($millions) | 2.6758% | 6,842 |
| Cash dividends to net income (ytd only)* | -8.3387% | 7,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4190% | 749 |
| Loan loss allowance to noncurrent loans | 47.4367% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 3.6449% | 1,201 |
| Noncurrent loans to loans | 5.0994% | 850 |
| Net loans and leases to total assets | 69.7473% | 4,076 |
| Net loans and leases to deposits | 89.4449% | 3,545 |
| Net loans and leases to core deposits | 134.3255% | 1,581 |
| Total domestic deposits to total assets | 77.9780% | 5,724 |
| Equity capital to assets | 6.6577% | 7,886 |
| Core capital (leverage) ratio | 5.5920% | 8,149 |
| Tier 1 risk-based capital ratio | 8.5489% | 7,979 |
| Total risk-based capital ratio | 9.8388% | 8,033 |
| Memoranda: | ||
| Average total assets | $92,545,000 | 5,276 |
| Average earning assets | $84,565,000 | 5,288 |
| Average equity | $6,780,000 | 6,536 |
| Average total loans | $64,380,600 | 5,084 |