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CapitalBank, 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 | 4.6677% | 4,599 |
| Cost of funding earning assets | 1.2023% | 2,303 |
| Net interest margin | 3.4653% | 5,332 |
| Noninterest income to average assets | 1.0001% | 1,341 |
| Noninterest expense to average assets | 3.0214% | 3,481 |
| Loan and lease loss provision to assets | 0.4880% | 2,035 |
| Net operating income to assets | 0.3854% | 5,061 |
| Return on assets (ROA) | 0.4538% | 4,949 |
| Pretax return on assets | 0.6052% | 4,794 |
| Return on Equity (ROE) | 5.0093% | 4,525 |
| Retained earnings to average equity (ytd only) | 5.0093% | 3,167 |
| Net charge-offs to loans | 1.7205% | 802 |
| Credit loss provision to net charge-offs | 39.6156% | 5,260 |
| Earnings coverage of net charge-offs (x) | 0.8134% | 5,006 |
| Efficiency ratio | 73.6244% | 3,253 |
| Assets per employee ($millions) | 3.6358% | 4,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1244% | 780 |
| Loan loss allowance to noncurrent loans | 44.5593% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 7.0552% | 698 |
| Noncurrent loans to loans | 7.0118% | 704 |
| Net loans and leases to total assets | 66.9572% | 2,680 |
| Net loans and leases to deposits | 90.1102% | 1,203 |
| Net loans and leases to core deposits | 93.5154% | 1,832 |
| Total domestic deposits to total assets | 74.3060% | 6,724 |
| Equity capital to assets | 9.5133% | 5,064 |
| Core capital (leverage) ratio | 8.5912% | 5,569 |
| Tier 1 risk-based capital ratio | 12.3588% | 5,616 |
| Total risk-based capital ratio | 13.6319% | 5,584 |
| Memoranda: | ||
| Average total assets | $642,023,000 | 1,013 |
| Average earning assets | $560,124,500 | 1,067 |
| Average equity | $58,157,000 | 1,169 |
| Average total loans | $459,704,000 | 923 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7277% | 4,412 |
| Cost of funding earning assets | 1.2380% | 2,335 |
| Net interest margin | 3.4897% | 5,207 |
| Noninterest income to average assets | 0.9682% | 1,410 |
| Noninterest expense to average assets | 3.0057% | 3,621 |
| Loan and lease loss provision to assets | 0.7271% | 1,283 |
| Net operating income to assets | 0.2247% | 5,648 |
| Return on assets (ROA) | 0.3187% | 5,427 |
| Pretax return on assets | 0.3945% | 5,411 |
| Return on Equity (ROE) | 3.5766% | 5,122 |
| Retained earnings to average equity (ytd only) | 3.5766% | 3,959 |
| Net charge-offs to loans | 2.1012% | 623 |
| Credit loss provision to net charge-offs | 47.7934% | 4,641 |
| Earnings coverage of net charge-offs (x) | 0.6610% | 4,801 |
| Efficiency ratio | 73.5190% | 3,462 |
| Assets per employee ($millions) | 3.6985% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2393% | 731 |
| Loan loss allowance to noncurrent loans | 44.1467% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 7.2647% | 682 |
| Noncurrent loans to loans | 7.3375% | 677 |
| Net loans and leases to total assets | 68.5486% | 2,507 |
| Net loans and leases to deposits | 91.5968% | 1,101 |
| Net loans and leases to core deposits | 95.2893% | 1,753 |
| Total domestic deposits to total assets | 74.8374% | 6,748 |
| Equity capital to assets | 9.1838% | 5,306 |
| Core capital (leverage) ratio | 8.1897% | 6,048 |
| Tier 1 risk-based capital ratio | 11.7000% | 6,013 |
| Total risk-based capital ratio | 12.9749% | 5,997 |
| Memoranda: | ||
| Average total assets | $646,366,000 | 1,016 |
| Average earning assets | $563,653,670 | 1,072 |
| Average equity | $57,596,670 | 1,166 |
| Average total loans | $468,025,330 | 922 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9024% | 3,581 |
| Cost of funding earning assets | 1.2870% | 2,258 |
| Net interest margin | 3.6154% | 4,502 |
| Noninterest income to average assets | 1.1107% | 1,063 |
| Noninterest expense to average assets | 3.0085% | 3,609 |
| Loan and lease loss provision to assets | 0.3684% | 2,353 |
| Net operating income to assets | 0.6184% | 3,943 |
| Return on assets (ROA) | 0.7147% | 3,522 |
| Pretax return on assets | 1.0174% | 3,071 |
| Return on Equity (ROE) | 8.1421% | 2,851 |
| Retained earnings to average equity (ytd only) | 8.1421% | 1,681 |
| Net charge-offs to loans | 2.2261% | 543 |
| Credit loss provision to net charge-offs | 22.6159% | 4,230 |
| Earnings coverage of net charge-offs (x) | 0.7663% | 4,063 |
| Efficiency ratio | 69.2774% | 4,418 |
| Assets per employee ($millions) | 3.7459% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2316% | 753 |
| Loan loss allowance to noncurrent loans | 56.0472% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 6.2734% | 901 |
| Noncurrent loans to loans | 5.7659% | 1,121 |
| Net loans and leases to total assets | 69.8292% | 2,164 |
| Net loans and leases to deposits | 92.6932% | 958 |
| Net loans and leases to core deposits | 96.6983% | 1,619 |
| Total domestic deposits to total assets | 75.3337% | 6,756 |
| Equity capital to assets | 8.9369% | 5,300 |
| Core capital (leverage) ratio | 8.1730% | 6,010 |
| Tier 1 risk-based capital ratio | 11.2803% | 6,274 |
| Total risk-based capital ratio | 12.5551% | 6,234 |
| Memoranda: | ||
| Average total assets | $651,482,000 | 1,020 |
| Average earning assets | $566,901,500 | 1,076 |
| Average equity | $57,184,500 | 1,161 |
| Average total loans | $476,708,500 | 917 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 5,041 |
| Cost of funding earning assets | 1.6090% | 2,019 |
| Net interest margin | 3.2895% | 6,013 |
| Noninterest income to average assets | 1.0744% | 1,294 |
| Noninterest expense to average assets | 2.8271% | 4,488 |
| Loan and lease loss provision to assets | 2.5549% | 428 |
| Net operating income to assets | -0.8612% | 6,607 |
| Return on assets (ROA) | -0.6831% | 6,543 |
| Pretax return on assets | -1.1268% | 6,709 |
| Return on Equity (ROE) | -7.9246% | 6,618 |
| Retained earnings to average equity (ytd only) | -7.9246% | 6,529 |
| Net charge-offs to loans | 2.9018% | 590 |
| Credit loss provision to net charge-offs | 119.5829% | 3,538 |
| Earnings coverage of net charge-offs (x) | 0.5382% | 5,572 |
| Efficiency ratio | 69.6741% | 4,247 |
| Assets per employee ($millions) | 3.7640% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5334% | 588 |
| Loan loss allowance to noncurrent loans | 62.3479% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 6.2643% | 918 |
| Noncurrent loans to loans | 5.6673% | 1,143 |
| Net loans and leases to total assets | 71.5532% | 2,187 |
| Net loans and leases to deposits | 94.4226% | 1,016 |
| Net loans and leases to core deposits | 98.9844% | 1,706 |
| Total domestic deposits to total assets | 75.7797% | 6,656 |
| Equity capital to assets | 8.6200% | 5,694 |
| Core capital (leverage) ratio | 7.6381% | 6,589 |
| Tier 1 risk-based capital ratio | 10.7119% | 6,562 |
| Total risk-based capital ratio | 11.9910% | 6,507 |
| Memoranda: | ||
| Average total assets | $718,238,000 | 930 |
| Average earning assets | $633,705,000 | 952 |
| Average equity | $61,908,200 | 1,078 |
| Average total loans | $528,816,600 | 846 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8889% | 5,317 |
| Cost of funding earning assets | 1.6802% | 1,965 |
| Net interest margin | 3.2087% | 6,309 |
| Noninterest income to average assets | 1.0426% | 1,332 |
| Noninterest expense to average assets | 2.6566% | 5,082 |
| Loan and lease loss provision to assets | 1.1534% | 1,256 |
| Net operating income to assets | 0.0555% | 5,873 |
| Return on assets (ROA) | 0.3415% | 5,176 |
| Pretax return on assets | 0.4337% | 5,134 |
| Return on Equity (ROE) | 3.9617% | 4,804 |
| Retained earnings to average equity (ytd only) | 3.9617% | 3,695 |
| Net charge-offs to loans | 1.7784% | 1,095 |
| Credit loss provision to net charge-offs | 88.2312% | 4,844 |
| Earnings coverage of net charge-offs (x) | 0.9372% | 5,127 |
| Efficiency ratio | 67.0207% | 4,648 |
| Assets per employee ($millions) | 3.9926% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6062% | 1,199 |
| Loan loss allowance to noncurrent loans | 47.7220% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 6.1667% | 958 |
| Noncurrent loans to loans | 5.4613% | 1,219 |
| Net loans and leases to total assets | 72.4449% | 2,151 |
| Net loans and leases to deposits | 95.4395% | 1,052 |
| Net loans and leases to core deposits | 100.3834% | 1,819 |
| Total domestic deposits to total assets | 75.9066% | 6,676 |
| Equity capital to assets | 9.2391% | 5,245 |
| Core capital (leverage) ratio | 8.4403% | 5,627 |
| Tier 1 risk-based capital ratio | 12.1897% | 5,284 |
| Total risk-based capital ratio | 13.4567% | 5,233 |
| Memoranda: | ||
| Average total assets | $734,064,750 | 922 |
| Average earning assets | $649,503,750 | 942 |
| Average equity | $63,271,500 | 1,056 |
| Average total loans | $539,573,500 | 837 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9077% | 5,354 |
| Cost of funding earning assets | 1.6757% | 2,256 |
| Net interest margin | 3.2320% | 6,214 |
| Noninterest income to average assets | 1.0888% | 1,129 |
| Noninterest expense to average assets | 2.5221% | 5,637 |
| Loan and lease loss provision to assets | 0.9602% | 1,526 |
| Net operating income to assets | 0.3434% | 4,998 |
| Return on assets (ROA) | 0.5897% | 4,061 |
| Pretax return on assets | 0.8114% | 3,841 |
| Return on Equity (ROE) | 6.9954% | 3,304 |
| Retained earnings to average equity (ytd only) | 6.9954% | 1,832 |
| Net charge-offs to loans | 1.6691% | 1,126 |
| Credit loss provision to net charge-offs | 78.5512% | 4,746 |
| Earnings coverage of net charge-offs (x) | 1.1732% | 4,622 |
| Efficiency ratio | 62.3879% | 5,630 |
| Assets per employee ($millions) | 4.4217% | 3,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5005% | 1,299 |
| Loan loss allowance to noncurrent loans | 54.5880% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 5.0230% | 1,279 |
| Noncurrent loans to loans | 4.5807% | 1,578 |
| Net loans and leases to total assets | 67.9523% | 3,375 |
| Net loans and leases to deposits | 87.0448% | 2,328 |
| Net loans and leases to core deposits | 92.1173% | 2,967 |
| Total domestic deposits to total assets | 78.0658% | 6,253 |
| Equity capital to assets | 8.4783% | 6,186 |
| Core capital (leverage) ratio | 8.2718% | 5,826 |
| Tier 1 risk-based capital ratio | 11.9531% | 5,348 |
| Total risk-based capital ratio | 13.2191% | 5,304 |
| Memoranda: | ||
| Average total assets | $749,842,330 | 906 |
| Average earning assets | $665,284,670 | 932 |
| Average equity | $63,212,670 | 1,055 |
| Average total loans | $549,159,670 | 837 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9780% | 5,123 |
| Cost of funding earning assets | 1.6666% | 2,559 |
| Net interest margin | 3.3115% | 5,926 |
| Noninterest income to average assets | 1.3644% | 645 |
| Noninterest expense to average assets | 2.4775% | 5,814 |
| Loan and lease loss provision to assets | 0.8571% | 1,482 |
| Net operating income to assets | 0.6792% | 3,526 |
| Return on assets (ROA) | 0.9353% | 2,477 |
| Pretax return on assets | 1.3408% | 1,932 |
| Return on Equity (ROE) | 11.1270% | 1,746 |
| Retained earnings to average equity (ytd only) | 11.1270% | 893 |
| Net charge-offs to loans | 1.2437% | 1,366 |
| Credit loss provision to net charge-offs | 91.8485% | 3,620 |
| Earnings coverage of net charge-offs (x) | 1.9633% | 3,555 |
| Efficiency ratio | 56.2088% | 6,735 |
| Assets per employee ($millions) | 4.5149% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5427% | 1,242 |
| Loan loss allowance to noncurrent loans | 41.3242% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 5.7393% | 1,062 |
| Noncurrent loans to loans | 6.1529% | 1,059 |
| Net loans and leases to total assets | 72.1249% | 2,420 |
| Net loans and leases to deposits | 92.6638% | 1,516 |
| Net loans and leases to core deposits | 100.5137% | 2,079 |
| Total domestic deposits to total assets | 77.8351% | 6,361 |
| Equity capital to assets | 8.5116% | 5,985 |
| Core capital (leverage) ratio | 8.2194% | 5,882 |
| Tier 1 risk-based capital ratio | 11.3876% | 5,781 |
| Total risk-based capital ratio | 12.6543% | 5,737 |
| Memoranda: | ||
| Average total assets | $746,711,500 | 927 |
| Average earning assets | $664,117,000 | 951 |
| Average equity | $62,766,500 | 1,069 |
| Average total loans | $560,256,000 | 844 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2407% | 5,456 |
| Cost of funding earning assets | 1.9157% | 3,378 |
| Net interest margin | 3.3250% | 5,639 |
| Noninterest income to average assets | 0.5072% | 4,359 |
| Noninterest expense to average assets | 3.6323% | 2,070 |
| Loan and lease loss provision to assets | 4.2405% | 294 |
| Net operating income to assets | -3.1662% | 7,438 |
| Return on assets (ROA) | -3.1454% | 7,436 |
| Pretax return on assets | -4.3637% | 7,613 |
| Return on Equity (ROE) | -36.4137% | 7,512 |
| Retained earnings to average equity (ytd only) | -38.0316% | 7,524 |
| Net charge-offs to loans | 5.2641% | 226 |
| Credit loss provision to net charge-offs | 101.6834% | 5,433 |
| Earnings coverage of net charge-offs (x) | -0.0365% | 6,253 |
| Efficiency ratio | 75.3028% | 3,651 |
| Assets per employee ($millions) | 4.4288% | 3,050 |
| Cash dividends to net income (ytd only)* | -4.4433% | 7,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4877% | 1,245 |
| Loan loss allowance to noncurrent loans | 33.0640% | 6,245 |
| Noncurrent assets plus other real estate owned to assets | 6.6791% | 795 |
| Noncurrent loans to loans | 7.5239% | 701 |
| Net loans and leases to total assets | 74.1562% | 2,234 |
| Net loans and leases to deposits | 94.9560% | 1,468 |
| Net loans and leases to core deposits | 117.5771% | 2,172 |
| Total domestic deposits to total assets | 78.0953% | 6,195 |
| Equity capital to assets | 8.3004% | 6,194 |
| Core capital (leverage) ratio | 8.1014% | 5,992 |
| Tier 1 risk-based capital ratio | 10.6142% | 6,288 |
| Total risk-based capital ratio | 11.8800% | 6,245 |
| Memoranda: | ||
| Average total assets | $773,486,800 | 886 |
| Average earning assets | $691,589,200 | 899 |
| Average equity | $66,812,800 | 988 |
| Average total loans | $612,778,200 | 764 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2931% | 5,461 |
| Cost of funding earning assets | 1.9297% | 3,721 |
| Net interest margin | 3.3633% | 5,396 |
| Noninterest income to average assets | 0.4786% | 4,681 |
| Noninterest expense to average assets | 3.7759% | 1,645 |
| Loan and lease loss provision to assets | 5.4376% | 142 |
| Net operating income to assets | -4.0471% | 7,757 |
| Return on assets (ROA) | -3.9990% | 7,756 |
| Pretax return on assets | -5.6532% | 7,883 |
| Return on Equity (ROE) | -45.8662% | 7,801 |
| Retained earnings to average equity (ytd only) | -47.9862% | 7,813 |
| Net charge-offs to loans | 1.5978% | 1,278 |
| Credit loss provision to net charge-offs | 425.4750% | 931 |
| Earnings coverage of net charge-offs (x) | -0.2217% | 6,302 |
| Efficiency ratio | 70.3207% | 4,528 |
| Assets per employee ($millions) | 4.3915% | 3,051 |
| Cash dividends to net income (ytd only)* | -4.6222% | 7,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2862% | 72 |
| Loan loss allowance to noncurrent loans | 68.4410% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 8.2540% | 507 |
| Noncurrent loans to loans | 9.1849% | 477 |
| Net loans and leases to total assets | 75.7679% | 2,038 |
| Net loans and leases to deposits | 97.5373% | 1,377 |
| Net loans and leases to core deposits | 121.6514% | 2,102 |
| Total domestic deposits to total assets | 77.6809% | 6,176 |
| Equity capital to assets | 7.2929% | 7,432 |
| Core capital (leverage) ratio | 6.6953% | 7,587 |
| Tier 1 risk-based capital ratio | 8.9806% | 7,627 |
| Total risk-based capital ratio | 10.2966% | 7,612 |
| Memoranda: | ||
| Average total assets | $779,740,750 | 887 |
| Average earning assets | $698,733,500 | 904 |
| Average equity | $67,984,500 | 979 |
| Average total loans | $623,673,250 | 769 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2745% | 5,773 |
| Cost of funding earning assets | 1.8729% | 4,407 |
| Net interest margin | 3.4016% | 5,160 |
| Noninterest income to average assets | 0.5501% | 4,037 |
| Noninterest expense to average assets | 2.5574% | 5,912 |
| Loan and lease loss provision to assets | 1.9727% | 822 |
| Net operating income to assets | -0.5138% | 6,560 |
| Return on assets (ROA) | -0.4502% | 6,504 |
| Pretax return on assets | -0.8288% | 6,699 |
| Return on Equity (ROE) | -4.9105% | 6,597 |
| Retained earnings to average equity (ytd only) | -7.8927% | 6,658 |
| Net charge-offs to loans | 2.0832% | 887 |
| Credit loss provision to net charge-offs | 118.7938% | 3,917 |
| Earnings coverage of net charge-offs (x) | 0.6290% | 5,075 |
| Efficiency ratio | 69.5057% | 4,877 |
| Assets per employee ($millions) | 4.7006% | 2,465 |
| Cash dividends to net income (ytd only)* | -60.7303% | 8,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3980% | 994 |
| Loan loss allowance to noncurrent loans | 51.5195% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 4.2276% | 1,364 |
| Noncurrent loans to loans | 4.6545% | 1,367 |
| Net loans and leases to total assets | 74.3318% | 2,612 |
| Net loans and leases to deposits | 106.0390% | 765 |
| Net loans and leases to core deposits | 132.9727% | 1,374 |
| Total domestic deposits to total assets | 70.0985% | 7,463 |
| Equity capital to assets | 8.6349% | 5,843 |
| Core capital (leverage) ratio | 7.9075% | 6,478 |
| Tier 1 risk-based capital ratio | 10.0628% | 6,862 |
| Total risk-based capital ratio | 11.3277% | 6,773 |
| Memoranda: | ||
| Average total assets | $790,804,330 | 889 |
| Average earning assets | $709,485,000 | 906 |
| Average equity | $72,497,670 | 925 |
| Average total loans | $630,368,330 | 775 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4098% | 5,373 |
| Cost of funding earning assets | 1.9059% | 4,595 |
| Net interest margin | 3.5039% | 4,717 |
| Noninterest income to average assets | 0.8343% | 2,159 |
| Noninterest expense to average assets | 2.3627% | 6,330 |
| Loan and lease loss provision to assets | 1.0262% | 1,278 |
| Net operating income to assets | 0.4563% | 4,630 |
| Return on assets (ROA) | 0.5136% | 4,550 |
| Pretax return on assets | 0.6665% | 4,536 |
| Return on Equity (ROE) | 5.4375% | 4,270 |
| Retained earnings to average equity (ytd only) | 0.5486% | 5,437 |
| Net charge-offs to loans | 2.3746% | 611 |
| Credit loss provision to net charge-offs | 52.9801% | 4,630 |
| Earnings coverage of net charge-offs (x) | 0.8355% | 4,358 |
| Efficiency ratio | 57.9585% | 6,706 |
| Assets per employee ($millions) | 4.3288% | 3,015 |
| Cash dividends to net income (ytd only)* | 89.9101% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8833% | 1,662 |
| Loan loss allowance to noncurrent loans | 42.0332% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 4.7559% | 976 |
| Noncurrent loans to loans | 4.4805% | 1,286 |
| Net loans and leases to total assets | 80.0675% | 1,376 |
| Net loans and leases to deposits | 118.8752% | 317 |
| Net loans and leases to core deposits | 139.4403% | 1,131 |
| Total domestic deposits to total assets | 67.3542% | 7,646 |
| Equity capital to assets | 9.5822% | 4,551 |
| Core capital (leverage) ratio | 8.2630% | 5,975 |
| Tier 1 risk-based capital ratio | 10.3358% | 6,559 |
| Total risk-based capital ratio | 11.5941% | 6,468 |
| Memoranda: | ||
| Average total assets | $779,606,500 | 898 |
| Average earning assets | $700,132,000 | 911 |
| Average equity | $73,637,000 | 910 |
| Average total loans | $635,894,000 | 779 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1153% | 4,961 |
| Cost of funding earning assets | 2.5150% | 4,122 |
| Net interest margin | 3.6004% | 4,881 |
| Noninterest income to average assets | 0.8715% | 2,100 |
| Noninterest expense to average assets | 2.4653% | 6,149 |
| Loan and lease loss provision to assets | 1.1720% | 1,238 |
| Net operating income to assets | 0.3795% | 5,226 |
| Return on assets (ROA) | 0.3895% | 5,006 |
| Pretax return on assets | 0.4833% | 5,024 |
| Return on Equity (ROE) | 4.2100% | 4,733 |
| Retained earnings to average equity (ytd only) | 1.2136% | 4,499 |
| Net charge-offs to loans | 0.3756% | 2,964 |
| Credit loss provision to net charge-offs | 380.8354% | 1,157 |
| Earnings coverage of net charge-offs (x) | 5.3387% | 3,678 |
| Efficiency ratio | 58.6306% | 6,588 |
| Assets per employee ($millions) | 4.2402% | 3,050 |
| Cash dividends to net income (ytd only)* | 71.1744% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1177% | 1,047 |
| Loan loss allowance to noncurrent loans | 49.4750% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 4.1391% | 969 |
| Noncurrent loans to loans | 4.2804% | 1,134 |
| Net loans and leases to total assets | 79.8020% | 1,708 |
| Net loans and leases to deposits | 122.5173% | 340 |
| Net loans and leases to core deposits | 143.4290% | 1,118 |
| Total domestic deposits to total assets | 65.1353% | 7,713 |
| Equity capital to assets | 9.3118% | 4,923 |
| Core capital (leverage) ratio | 8.1787% | 6,206 |
| Tier 1 risk-based capital ratio | 10.1385% | 6,586 |
| Total risk-based capital ratio | 11.3999% | 6,437 |
| Memoranda: | ||
| Average total assets | $793,491,600 | 852 |
| Average earning assets | $713,373,800 | 853 |
| Average equity | $73,420,600 | 905 |
| Average total loans | $650,131,400 | 733 |