Home > Carolina Federal Savings Bank > Performance and Condition Ratios
Carolina Federal Savings Bank, Performance and Condition Ratios
| 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 | 5.1469% | 1,438 |
| Cost of funding earning assets | 1.3841% | 446 |
| Net interest margin | 3.7628% | 3,551 |
| Noninterest income to average assets | 0.4768% | 4,092 |
| Noninterest expense to average assets | 3.2868% | 2,327 |
| Loan and lease loss provision to assets | 0.2528% | 2,427 |
| Net operating income to assets | 0.2167% | 5,935 |
| Return on assets (ROA) | 0.2167% | 6,080 |
| Pretax return on assets | 0.2167% | 6,166 |
| Return on Equity (ROE) | 10.8499% | 2,088 |
| Retained earnings to average equity (ytd only) | 10.8499% | 1,074 |
| Net charge-offs to loans | 0.1146% | 3,428 |
| Credit loss provision to net charge-offs | 291.6667% | 1,013 |
| Earnings coverage of net charge-offs (x) | 5.4167% | 2,376 |
| Efficiency ratio | 87.5000% | 1,337 |
| Assets per employee ($millions) | 3.3983% | 5,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7316% | 1,080 |
| Loan loss allowance to noncurrent loans | 15.5549% | 6,671 |
| Noncurrent assets plus other real estate owned to assets | 19.3147% | 53 |
| Noncurrent loans to loans | 17.5611% | 74 |
| Net loans and leases to total assets | 74.0680% | 1,045 |
| Net loans and leases to deposits | 75.8694% | 2,813 |
| Net loans and leases to core deposits | 76.5952% | 3,540 |
| Total domestic deposits to total assets | 97.6257% | 13 |
| Equity capital to assets | 2.0617% | 7,279 |
| Core capital (leverage) ratio | 2.0617% | 7,278 |
| Tier 1 risk-based capital ratio | 2.7957% | 7,280 |
| Total risk-based capital ratio | 4.0650% | 7,280 |
| Memoranda: | ||
| Average total assets | $55,373,500 | 6,193 |
| Average earning assets | $48,262,000 | 6,269 |
| Average equity | $1,106,000 | 7,269 |
| Average total loans | $41,900,000 | 5,552 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3405% | 1,596 |
| Cost of funding earning assets | 1.6329% | 421 |
| Net interest margin | 3.7076% | 4,265 |
| Noninterest income to average assets | 0.4014% | 4,602 |
| Noninterest expense to average assets | 4.1356% | 869 |
| Loan and lease loss provision to assets | 3.7722% | 64 |
| Net operating income to assets | -4.2965% | 7,269 |
| Return on assets (ROA) | -4.2965% | 7,274 |
| Pretax return on assets | -4.2965% | 7,283 |
| Return on Equity (ROE) | -115.8116% | 7,324 |
| Retained earnings to average equity (ytd only) | -115.8116% | 7,324 |
| Net charge-offs to loans | 3.9190% | 162 |
| Credit loss provision to net charge-offs | 120.9096% | 2,625 |
| Earnings coverage of net charge-offs (x) | -0.1681% | 5,935 |
| Efficiency ratio | 114.5184% | 360 |
| Assets per employee ($millions) | 3.5234% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6135% | 1,177 |
| Loan loss allowance to noncurrent loans | 15.0666% | 6,745 |
| Noncurrent assets plus other real estate owned to assets | 18.6664% | 65 |
| Noncurrent loans to loans | 17.3460% | 82 |
| Net loans and leases to total assets | 73.2394% | 1,401 |
| Net loans and leases to deposits | 75.0050% | 3,345 |
| Net loans and leases to core deposits | 76.0494% | 3,975 |
| Total domestic deposits to total assets | 97.6461% | 13 |
| Equity capital to assets | 1.9353% | 7,328 |
| Core capital (leverage) ratio | 1.9353% | 7,328 |
| Tier 1 risk-based capital ratio | 2.6332% | 7,327 |
| Total risk-based capital ratio | 3.9003% | 7,330 |
| Memoranda: | ||
| Average total assets | $57,790,800 | 6,117 |
| Average earning assets | $50,032,400 | 6,190 |
| Average equity | $2,144,000 | 7,191 |
| Average total loans | $46,006,800 | 5,424 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3984% | 1,508 |
| Cost of funding earning assets | 1.6612% | 457 |
| Net interest margin | 3.7371% | 4,177 |
| Noninterest income to average assets | 0.1238% | 6,643 |
| Noninterest expense to average assets | 4.1642% | 827 |
| Loan and lease loss provision to assets | 4.5953% | 39 |
| Net operating income to assets | -5.4116% | 7,386 |
| Return on assets (ROA) | -5.4116% | 7,390 |
| Pretax return on assets | -5.4116% | 7,388 |
| Return on Equity (ROE) | -130.7131% | 7,401 |
| Retained earnings to average equity (ytd only) | -130.7131% | 7,401 |
| Net charge-offs to loans | 4.4794% | 123 |
| Credit loss provision to net charge-offs | 127.1574% | 2,522 |
| Earnings coverage of net charge-offs (x) | -0.2259% | 5,734 |
| Efficiency ratio | 124.3836% | 263 |
| Assets per employee ($millions) | 3.3922% | 5,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6350% | 1,222 |
| Loan loss allowance to noncurrent loans | 14.0128% | 6,837 |
| Noncurrent assets plus other real estate owned to assets | 21.9658% | 36 |
| Noncurrent loans to loans | 18.8046% | 70 |
| Net loans and leases to total assets | 74.2626% | 1,290 |
| Net loans and leases to deposits | 77.5548% | 3,077 |
| Net loans and leases to core deposits | 80.7029% | 3,531 |
| Total domestic deposits to total assets | 95.7549% | 35 |
| Equity capital to assets | 2.1035% | 7,396 |
| Core capital (leverage) ratio | 2.1035% | 7,391 |
| Tier 1 risk-based capital ratio | 2.7797% | 7,399 |
| Total risk-based capital ratio | 4.0469% | 7,401 |
| Memoranda: | ||
| Average total assets | $58,145,000 | 6,147 |
| Average earning assets | $50,162,000 | 6,238 |
| Average equity | $2,407,250 | 7,210 |
| Average total loans | $46,909,500 | 5,430 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5299% | 1,234 |
| Cost of funding earning assets | 1.6689% | 535 |
| Net interest margin | 3.8610% | 3,484 |
| Noninterest income to average assets | 0.2264% | 6,045 |
| Noninterest expense to average assets | 4.3633% | 693 |
| Loan and lease loss provision to assets | 6.6101% | 19 |
| Net operating income to assets | -7.4060% | 7,485 |
| Return on assets (ROA) | -7.4060% | 7,486 |
| Pretax return on assets | -7.4060% | 7,484 |
| Return on Equity (ROE) | -153.9213% | 7,472 |
| Retained earnings to average equity (ytd only) | -153.9213% | 7,472 |
| Net charge-offs to loans | 6.6034% | 66 |
| Credit loss provision to net charge-offs | 121.8849% | 2,501 |
| Earnings coverage of net charge-offs (x) | -0.1467% | 5,375 |
| Efficiency ratio | 122.3077% | 320 |
| Assets per employee ($millions) | 3.3505% | 5,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4144% | 1,563 |
| Loan loss allowance to noncurrent loans | 13.2342% | 6,897 |
| Noncurrent assets plus other real estate owned to assets | 22.5377% | 40 |
| Noncurrent loans to loans | 18.2434% | 84 |
| Net loans and leases to total assets | 76.4265% | 1,015 |
| Net loans and leases to deposits | 81.7606% | 2,488 |
| Net loans and leases to core deposits | 85.6825% | 2,960 |
| Total domestic deposits to total assets | 93.4759% | 104 |
| Equity capital to assets | 2.4825% | 7,452 |
| Core capital (leverage) ratio | 2.4825% | 7,452 |
| Tier 1 risk-based capital ratio | 3.2000% | 7,458 |
| Total risk-based capital ratio | 4.4628% | 7,461 |
| Memoranda: | ||
| Average total assets | $58,304,330 | 6,198 |
| Average earning assets | $50,453,330 | 6,272 |
| Average equity | $2,805,330 | 7,182 |
| Average total loans | $47,884,670 | 5,441 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3256% | 1,793 |
| Cost of funding earning assets | 1.6667% | 637 |
| Net interest margin | 3.6590% | 4,288 |
| Noninterest income to average assets | 0.4815% | 4,037 |
| Noninterest expense to average assets | 3.9812% | 1,062 |
| Loan and lease loss provision to assets | 0.6782% | 1,256 |
| Net operating income to assets | -0.9766% | 7,038 |
| Return on assets (ROA) | -0.9766% | 7,039 |
| Pretax return on assets | -0.9766% | 6,990 |
| Return on Equity (ROE) | -16.4524% | 7,171 |
| Retained earnings to average equity (ytd only) | -16.4524% | 7,076 |
| Net charge-offs to loans | 1.4296% | 956 |
| Credit loss provision to net charge-offs | 56.4972% | 3,613 |
| Earnings coverage of net charge-offs (x) | -0.2486% | 4,717 |
| Efficiency ratio | 108.1031% | 538 |
| Assets per employee ($millions) | 3.4481% | 5,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 4,898 |
| Loan loss allowance to noncurrent loans | 6.9641% | 7,035 |
| Noncurrent assets plus other real estate owned to assets | 21.5872% | 47 |
| Noncurrent loans to loans | 19.4045% | 73 |
| Net loans and leases to total assets | 81.4460% | 394 |
| Net loans and leases to deposits | 91.7957% | 1,040 |
| Net loans and leases to core deposits | 96.3706% | 1,646 |
| Total domestic deposits to total assets | 88.7253% | 1,939 |
| Equity capital to assets | 5.8497% | 7,302 |
| Core capital (leverage) ratio | 5.8497% | 7,273 |
| Tier 1 risk-based capital ratio | 7.3598% | 7,337 |
| Total risk-based capital ratio | 8.6111% | 7,342 |
| Memoranda: | ||
| Average total assets | $58,977,500 | 6,222 |
| Average earning assets | $51,599,500 | 6,285 |
| Average equity | $3,501,000 | 7,015 |
| Average total loans | $49,523,000 | 5,417 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7020% | 1,567 |
| Cost of funding earning assets | 1.9068% | 823 |
| Net interest margin | 3.7952% | 3,969 |
| Noninterest income to average assets | 0.1236% | 6,785 |
| Noninterest expense to average assets | 3.8954% | 1,322 |
| Loan and lease loss provision to assets | 1.3380% | 1,139 |
| Net operating income to assets | -1.8340% | 7,011 |
| Return on assets (ROA) | -1.8340% | 7,031 |
| Pretax return on assets | -1.7187% | 6,931 |
| Return on Equity (ROE) | -26.6868% | 7,170 |
| Retained earnings to average equity (ytd only) | -26.6868% | 7,156 |
| Net charge-offs to loans | 1.8605% | 1,116 |
| Credit loss provision to net charge-offs | 82.1031% | 5,480 |
| Earnings coverage of net charge-offs (x) | -0.2336% | 6,306 |
| Efficiency ratio | 110.8298% | 521 |
| Assets per employee ($millions) | 3.4904% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 4,320 |
| Loan loss allowance to noncurrent loans | 7.9560% | 7,103 |
| Noncurrent assets plus other real estate owned to assets | 19.4027% | 73 |
| Noncurrent loans to loans | 18.1402% | 97 |
| Net loans and leases to total assets | 84.1279% | 295 |
| Net loans and leases to deposits | 99.6666% | 601 |
| Net loans and leases to core deposits | 104.4702% | 1,283 |
| Total domestic deposits to total assets | 84.4094% | 4,167 |
| Equity capital to assets | 6.0215% | 7,342 |
| Core capital (leverage) ratio | 6.0215% | 7,300 |
| Tier 1 risk-based capital ratio | 7.5683% | 7,382 |
| Total risk-based capital ratio | 8.8223% | 7,387 |
| Memoranda: | ||
| Average total assets | $60,686,800 | 6,167 |
| Average earning assets | $54,226,600 | 6,209 |
| Average equity | $4,170,600 | 6,935 |
| Average total loans | $53,157,000 | 5,350 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7135% | 1,674 |
| Cost of funding earning assets | 1.9207% | 958 |
| Net interest margin | 3.7927% | 3,993 |
| Noninterest income to average assets | 0.0721% | 7,174 |
| Noninterest expense to average assets | 3.8148% | 1,355 |
| Loan and lease loss provision to assets | 1.2039% | 1,187 |
| Net operating income to assets | -1.6998% | 7,161 |
| Return on assets (ROA) | -1.6998% | 7,174 |
| Pretax return on assets | -1.5469% | 7,054 |
| Return on Equity (ROE) | -24.0118% | 7,293 |
| Retained earnings to average equity (ytd only) | -24.0118% | 7,283 |
| Net charge-offs to loans | 2.3303% | 757 |
| Credit loss provision to net charge-offs | 58.6170% | 5,732 |
| Earnings coverage of net charge-offs (x) | -0.1670% | 6,158 |
| Efficiency ratio | 109.8804% | 526 |
| Assets per employee ($millions) | 3.3428% | 5,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 6,416 |
| Loan loss allowance to noncurrent loans | 5.3649% | 7,233 |
| Noncurrent assets plus other real estate owned to assets | 18.8466% | 76 |
| Noncurrent loans to loans | 18.5358% | 97 |
| Net loans and leases to total assets | 85.8767% | 211 |
| Net loans and leases to deposits | 102.2337% | 524 |
| Net loans and leases to core deposits | 102.9918% | 1,568 |
| Total domestic deposits to total assets | 84.0003% | 4,130 |
| Equity capital to assets | 6.4933% | 7,426 |
| Core capital (leverage) ratio | 6.4933% | 7,338 |
| Tier 1 risk-based capital ratio | 8.1748% | 7,466 |
| Total risk-based capital ratio | 9.2608% | 7,483 |
| Memoranda: | ||
| Average total assets | $61,024,250 | 6,231 |
| Average earning assets | $54,699,500 | 6,254 |
| Average equity | $4,320,000 | 6,975 |
| Average total loans | $53,783,750 | 5,397 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6522% | 1,930 |
| Cost of funding earning assets | 1.9058% | 1,221 |
| Net interest margin | 3.7463% | 4,151 |
| Noninterest income to average assets | 0.0033% | 7,516 |
| Noninterest expense to average assets | 3.8591% | 1,248 |
| Loan and lease loss provision to assets | 0.9134% | 1,593 |
| Net operating income to assets | -1.6311% | 7,195 |
| Return on assets (ROA) | -1.6311% | 7,205 |
| Pretax return on assets | -1.4027% | 7,048 |
| Return on Equity (ROE) | -22.4332% | 7,329 |
| Retained earnings to average equity (ytd only) | -22.4332% | 7,313 |
| Net charge-offs to loans | 2.3345% | 752 |
| Credit loss provision to net charge-offs | 44.1640% | 5,535 |
| Earnings coverage of net charge-offs (x) | -0.2366% | 5,894 |
| Efficiency ratio | 114.5208% | 487 |
| Assets per employee ($millions) | 3.2070% | 5,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 6,326 |
| Loan loss allowance to noncurrent loans | 5.9760% | 7,301 |
| Noncurrent assets plus other real estate owned to assets | 16.8332% | 98 |
| Noncurrent loans to loans | 17.0245% | 129 |
| Net loans and leases to total assets | 88.1378% | 126 |
| Net loans and leases to deposits | 105.2276% | 432 |
| Net loans and leases to core deposits | 105.9939% | 1,448 |
| Total domestic deposits to total assets | 83.7592% | 4,219 |
| Equity capital to assets | 6.8682% | 7,394 |
| Core capital (leverage) ratio | 6.8682% | 7,250 |
| Tier 1 risk-based capital ratio | 8.5848% | 7,472 |
| Total risk-based capital ratio | 9.7171% | 7,498 |
| Memoranda: | ||
| Average total assets | $61,309,000 | 6,255 |
| Average earning assets | $55,094,000 | 6,273 |
| Average equity | $4,457,670 | 6,951 |
| Average total loans | $54,314,670 | 5,404 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9479% | 1,082 |
| Cost of funding earning assets | 1.9730% | 1,179 |
| Net interest margin | 3.9749% | 2,978 |
| Noninterest income to average assets | 0.2407% | 6,228 |
| Noninterest expense to average assets | 3.9937% | 1,045 |
| Loan and lease loss provision to assets | 1.0082% | 1,236 |
| Net operating income to assets | -1.1838% | 7,208 |
| Return on assets (ROA) | -1.1838% | 7,226 |
| Pretax return on assets | -1.1838% | 7,136 |
| Return on Equity (ROE) | -15.8468% | 7,337 |
| Retained earnings to average equity (ytd only) | -15.8468% | 7,240 |
| Net charge-offs to loans | 3.4963% | 406 |
| Credit loss provision to net charge-offs | 32.6316% | 4,772 |
| Earnings coverage of net charge-offs (x) | -0.0568% | 5,070 |
| Efficiency ratio | 104.5997% | 707 |
| Assets per employee ($millions) | 2.9130% | 6,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 6,137 |
| Loan loss allowance to noncurrent loans | 8.2827% | 7,358 |
| Noncurrent assets plus other real estate owned to assets | 13.2965% | 198 |
| Noncurrent loans to loans | 12.9536% | 253 |
| Net loans and leases to total assets | 88.3251% | 114 |
| Net loans and leases to deposits | 107.5799% | 359 |
| Net loans and leases to core deposits | 108.3718% | 1,391 |
| Total domestic deposits to total assets | 82.1019% | 5,034 |
| Equity capital to assets | 7.3610% | 7,173 |
| Core capital (leverage) ratio | 7.3610% | 6,977 |
| Tier 1 risk-based capital ratio | 9.2020% | 7,426 |
| Total risk-based capital ratio | 10.3995% | 7,453 |
| Memoranda: | ||
| Average total assets | $61,497,000 | 6,327 |
| Average earning assets | $55,347,000 | 6,347 |
| Average equity | $4,594,000 | 6,978 |
| Average total loans | $54,343,500 | 5,478 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3689% | 889 |
| Cost of funding earning assets | 2.7908% | 457 |
| Net interest margin | 3.5781% | 4,627 |
| Noninterest income to average assets | 0.3595% | 5,517 |
| Noninterest expense to average assets | 4.1678% | 1,135 |
| Loan and lease loss provision to assets | 0.4301% | 4,249 |
| Net operating income to assets | -1.5414% | 6,881 |
| Return on assets (ROA) | -1.5282% | 6,877 |
| Pretax return on assets | -0.9948% | 6,405 |
| Return on Equity (ROE) | -17.4247% | 7,055 |
| Retained earnings to average equity (ytd only) | -17.4247% | 7,009 |
| Net charge-offs to loans | 0.0325% | 6,802 |
| Credit loss provision to net charge-offs | 1,541.1765% | 203 |
| Earnings coverage of net charge-offs (x) | -20.7059% | 7,192 |
| Efficiency ratio | 116.0951% | 669 |
| Assets per employee ($millions) | 2.9438% | 6,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6756% | 2,986 |
| Loan loss allowance to noncurrent loans | 17.0557% | 7,181 |
| Noncurrent assets plus other real estate owned to assets | 9.5293% | 408 |
| Noncurrent loans to loans | 9.8245% | 426 |
| Net loans and leases to total assets | 85.9964% | 280 |
| Net loans and leases to deposits | 99.5916% | 939 |
| Net loans and leases to core deposits | 123.8048% | 1,651 |
| Total domestic deposits to total assets | 86.3491% | 2,840 |
| Equity capital to assets | 7.5785% | 6,961 |
| Core capital (leverage) ratio | 7.5785% | 6,709 |
| Tier 1 risk-based capital ratio | 9.0714% | 7,439 |
| Total risk-based capital ratio | 10.3280% | 7,454 |
| Memoranda: | ||
| Average total assets | $60,919,400 | 6,314 |
| Average earning assets | $55,001,800 | 6,337 |
| Average equity | $5,343,000 | 6,826 |
| Average total loans | $52,377,000 | 5,573 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4624% | 819 |
| Cost of funding earning assets | 2.9366% | 399 |
| Net interest margin | 3.5258% | 4,761 |
| Noninterest income to average assets | 0.3383% | 5,783 |
| Noninterest expense to average assets | 4.0047% | 1,268 |
| Loan and lease loss provision to assets | 0.1362% | 5,997 |
| Net operating income to assets | -0.3913% | 6,307 |
| Return on assets (ROA) | -0.3800% | 6,289 |
| Pretax return on assets | -0.6041% | 6,396 |
| Return on Equity (ROE) | -4.1881% | 6,358 |
| Retained earnings to average equity (ytd only) | -4.1881% | 6,134 |
| Net charge-offs to loans | 0.0257% | 6,523 |
| Credit loss provision to net charge-offs | 620.0000% | 609 |
| Earnings coverage of net charge-offs (x) | -22.1050% | 6,940 |
| Efficiency ratio | 113.7953% | 697 |
| Assets per employee ($millions) | 2.9310% | 6,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3421% | 4,254 |
| Loan loss allowance to noncurrent loans | 28.4517% | 6,572 |
| Noncurrent assets plus other real estate owned to assets | 5.0122% | 1,168 |
| Noncurrent loans to loans | 4.7173% | 1,456 |
| Net loans and leases to total assets | 85.1519% | 424 |
| Net loans and leases to deposits | 100.1299% | 1,088 |
| Net loans and leases to core deposits | 125.8639% | 1,751 |
| Total domestic deposits to total assets | 85.0414% | 3,215 |
| Equity capital to assets | 8.8432% | 5,722 |
| Core capital (leverage) ratio | 8.8432% | 4,904 |
| Tier 1 risk-based capital ratio | 10.4366% | 6,541 |
| Total risk-based capital ratio | 11.6887% | 6,487 |
| Memoranda: | ||
| Average total assets | $60,694,250 | 6,364 |
| Average earning assets | $54,756,750 | 6,387 |
| Average equity | $5,507,500 | 6,844 |
| Average total loans | $51,954,000 | 5,637 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4815% | 857 |
| Cost of funding earning assets | 3.0739% | 381 |
| Net interest margin | 3.4077% | 5,132 |
| Noninterest income to average assets | 0.3278% | 5,891 |
| Noninterest expense to average assets | 4.0424% | 1,259 |
| Loan and lease loss provision to assets | 0.0397% | 6,838 |
| Net operating income to assets | -0.6787% | 6,732 |
| Return on assets (ROA) | -0.6522% | 6,712 |
| Pretax return on assets | -0.6522% | 6,567 |
| Return on Equity (ROE) | -7.1261% | 6,817 |
| Retained earnings to average equity (ytd only) | -7.1261% | 6,578 |
| Net charge-offs to loans | 0.0039% | 6,561 |
| Credit loss provision to net charge-offs | 1,200.0000% | 411 |
| Earnings coverage of net charge-offs (x) | -193.0000% | 6,618 |
| Efficiency ratio | 118.7743% | 686 |
| Assets per employee ($millions) | 2.7905% | 6,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 4,285 |
| Loan loss allowance to noncurrent loans | 28.5049% | 6,594 |
| Noncurrent assets plus other real estate owned to assets | 4.6977% | 1,181 |
| Noncurrent loans to loans | 4.5553% | 1,409 |
| Net loans and leases to total assets | 83.3284% | 737 |
| Net loans and leases to deposits | 91.9016% | 2,486 |
| Net loans and leases to core deposits | 119.0972% | 2,445 |
| Total domestic deposits to total assets | 90.6714% | 567 |
| Equity capital to assets | 8.8269% | 5,559 |
| Core capital (leverage) ratio | 8.8269% | 4,899 |
| Tier 1 risk-based capital ratio | 10.3461% | 6,536 |
| Total risk-based capital ratio | 11.5967% | 6,475 |
| Memoranda: | ||
| Average total assets | $60,409,000 | 6,434 |
| Average earning assets | $54,524,330 | 6,446 |
| Average equity | $5,529,000 | 6,887 |
| Average total loans | $51,564,000 | 5,690 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6017% | 705 |
| Cost of funding earning assets | 3.0606% | 509 |
| Net interest margin | 3.5411% | 4,562 |
| Noninterest income to average assets | 0.2871% | 6,143 |
| Noninterest expense to average assets | 3.9321% | 1,266 |
| Loan and lease loss provision to assets | 0.0334% | 6,522 |
| Net operating income to assets | -0.4807% | 6,857 |
| Return on assets (ROA) | -0.4273% | 6,875 |
| Pretax return on assets | -0.4273% | 6,762 |
| Return on Equity (ROE) | -4.5845% | 6,946 |
| Retained earnings to average equity (ytd only) | -4.5845% | 6,499 |
| Net charge-offs to loans | 0.0233% | 5,229 |
| Credit loss provision to net charge-offs | 166.6667% | 2,553 |
| Earnings coverage of net charge-offs (x) | -22.3333% | 5,670 |
| Efficiency ratio | 112.8352% | 755 |
| Assets per employee ($millions) | 2.7709% | 6,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 4,239 |
| Loan loss allowance to noncurrent loans | 28.9899% | 6,616 |
| Noncurrent assets plus other real estate owned to assets | 4.6588% | 1,012 |
| Noncurrent loans to loans | 4.3992% | 1,325 |
| Net loans and leases to total assets | 84.1929% | 663 |
| Net loans and leases to deposits | 94.4863% | 2,195 |
| Net loans and leases to core deposits | 122.8729% | 2,178 |
| Total domestic deposits to total assets | 89.1060% | 1,189 |
| Equity capital to assets | 9.1076% | 5,215 |
| Core capital (leverage) ratio | 9.1076% | 4,545 |
| Tier 1 risk-based capital ratio | 10.6478% | 6,237 |
| Total risk-based capital ratio | 11.8983% | 6,156 |
| Memoranda: | ||
| Average total assets | $59,917,500 | 6,473 |
| Average earning assets | $54,107,500 | 6,496 |
| Average equity | $5,584,000 | 6,920 |
| Average total loans | $51,431,000 | 5,738 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2524% | 658 |
| Cost of funding earning assets | 3.3641% | 773 |
| Net interest margin | 3.8883% | 3,621 |
| Noninterest income to average assets | 0.4189% | 5,310 |
| Noninterest expense to average assets | 4.5170% | 874 |
| Loan and lease loss provision to assets | 0.0841% | 6,334 |
| Net operating income to assets | -0.4647% | 6,895 |
| Return on assets (ROA) | -0.4259% | 6,726 |
| Pretax return on assets | -0.6398% | 6,764 |
| Return on Equity (ROE) | -4.2777% | 6,783 |
| Retained earnings to average equity (ytd only) | -4.2777% | 6,377 |
| Net charge-offs to loans | 0.0372% | 6,280 |
| Credit loss provision to net charge-offs | 266.6667% | 1,733 |
| Earnings coverage of net charge-offs (x) | -19.4444% | 6,944 |
| Efficiency ratio | 115.7162% | 618 |
| Assets per employee ($millions) | 2.5598% | 7,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 3,801 |
| Loan loss allowance to noncurrent loans | 45.8971% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 3.3817% | 1,327 |
| Noncurrent loans to loans | 2.8265% | 1,918 |
| Net loans and leases to total assets | 85.2909% | 688 |
| Net loans and leases to deposits | 100.1077% | 1,824 |
| Net loans and leases to core deposits | 128.7762% | 1,942 |
| Total domestic deposits to total assets | 85.1992% | 2,751 |
| Equity capital to assets | 9.5389% | 4,628 |
| Core capital (leverage) ratio | 9.5389% | 3,959 |
| Tier 1 risk-based capital ratio | 11.2776% | 5,458 |
| Total risk-based capital ratio | 12.5286% | 5,349 |
| Memoranda: | ||
| Average total assets | $57,050,800 | 6,486 |
| Average earning assets | $51,127,600 | 6,549 |
| Average equity | $5,680,600 | 6,922 |
| Average total loans | $48,351,000 | 5,764 |