Home > CenterBank of Jacksonville > Performance and Condition Ratios
CenterBank of Jacksonville, 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 | 4.1622% | 6,295 |
| Cost of funding earning assets | 1.5237% | 786 |
| Net interest margin | 2.6385% | 7,043 |
| Noninterest income to average assets | -2.5189% | 7,432 |
| Noninterest expense to average assets | 3.7326% | 1,430 |
| Loan and lease loss provision to assets | 7.5518% | 9 |
| Net operating income to assets | -12.9301% | 7,434 |
| Return on assets (ROA) | -12.9015% | 7,434 |
| Pretax return on assets | -11.3617% | 7,432 |
| Return on Equity (ROE) | -156.9401% | 7,416 |
| Retained earnings to average equity (ytd only) | -156.9401% | 7,416 |
| Net charge-offs to loans | 8.6154% | 20 |
| Credit loss provision to net charge-offs | 112.6928% | 2,898 |
| Earnings coverage of net charge-offs (x) | -0.5728% | 5,853 |
| Efficiency ratio | -3,524.6032% | 7,435 |
| Assets per employee ($millions) | 4.5857% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3070% | 309 |
| Loan loss allowance to noncurrent loans | 72.6467% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 7.4678% | 631 |
| Noncurrent loans to loans | 5.9286% | 945 |
| Net loans and leases to total assets | 82.1339% | 344 |
| Net loans and leases to deposits | 87.4122% | 1,507 |
| Net loans and leases to core deposits | 91.4392% | 2,060 |
| Total domestic deposits to total assets | 93.9617% | 80 |
| Equity capital to assets | 5.6292% | 7,217 |
| Core capital (leverage) ratio | 4.7815% | 7,254 |
| Tier 1 risk-based capital ratio | 6.5744% | 7,270 |
| Total risk-based capital ratio | 7.8629% | 7,269 |
| Memoranda: | ||
| Average total assets | $158,633,750 | 3,676 |
| Average earning assets | $145,080,750 | 3,679 |
| Average equity | $13,040,750 | 4,341 |
| Average total loans | $123,388,500 | 3,138 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0253% | 6,625 |
| Cost of funding earning assets | 1.6256% | 630 |
| Net interest margin | 2.3997% | 7,235 |
| Noninterest income to average assets | 0.0670% | 6,970 |
| Noninterest expense to average assets | 3.4932% | 1,996 |
| Loan and lease loss provision to assets | 6.4061% | 22 |
| Net operating income to assets | -9.8335% | 7,501 |
| Return on assets (ROA) | -9.7916% | 7,501 |
| Pretax return on assets | -7.5988% | 7,485 |
| Return on Equity (ROE) | -109.9224% | 7,444 |
| Retained earnings to average equity (ytd only) | -109.9224% | 7,444 |
| Net charge-offs to loans | 6.2876% | 72 |
| Credit loss provision to net charge-offs | 134.6831% | 2,270 |
| Earnings coverage of net charge-offs (x) | -0.2596% | 5,432 |
| Efficiency ratio | 154.6610% | 135 |
| Assets per employee ($millions) | 5.1005% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3007% | 336 |
| Loan loss allowance to noncurrent loans | 43.8897% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 11.2462% | 294 |
| Noncurrent loans to loans | 9.7989% | 400 |
| Net loans and leases to total assets | 74.3490% | 1,351 |
| Net loans and leases to deposits | 82.1933% | 2,424 |
| Net loans and leases to core deposits | 101.2689% | 1,234 |
| Total domestic deposits to total assets | 90.4563% | 733 |
| Equity capital to assets | 9.2249% | 5,243 |
| Core capital (leverage) ratio | 9.1231% | 4,528 |
| Tier 1 risk-based capital ratio | 11.7659% | 5,960 |
| Total risk-based capital ratio | 13.0536% | 5,926 |
| Memoranda: | ||
| Average total assets | $167,183,670 | 3,584 |
| Average earning assets | $152,684,670 | 3,584 |
| Average equity | $14,892,330 | 3,925 |
| Average total loans | $126,471,000 | 3,098 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9909% | 6,715 |
| Cost of funding earning assets | 2.0107% | 160 |
| Net interest margin | 1.9802% | 7,413 |
| Noninterest income to average assets | -0.0652% | 7,369 |
| Noninterest expense to average assets | 3.6502% | 1,651 |
| Loan and lease loss provision to assets | 4.3793% | 87 |
| Net operating income to assets | -10.5545% | 7,560 |
| Return on assets (ROA) | -10.5545% | 7,560 |
| Pretax return on assets | -6.2847% | 7,507 |
| Return on Equity (ROE) | -120.4613% | 7,508 |
| Retained earnings to average equity (ytd only) | -120.4613% | 7,503 |
| Net charge-offs to loans | 6.6196% | 90 |
| Credit loss provision to net charge-offs | 88.5539% | 2,961 |
| Earnings coverage of net charge-offs (x) | -0.3853% | 4,757 |
| Efficiency ratio | 209.2123% | 58 |
| Assets per employee ($millions) | 5.1401% | 1,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9011% | 1,005 |
| Loan loss allowance to noncurrent loans | 35.6997% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 9.3496% | 457 |
| Noncurrent loans to loans | 8.1264% | 600 |
| Net loans and leases to total assets | 72.2378% | 1,671 |
| Net loans and leases to deposits | 79.6526% | 2,775 |
| Net loans and leases to core deposits | 96.1775% | 1,661 |
| Total domestic deposits to total assets | 90.6911% | 767 |
| Equity capital to assets | 9.0277% | 5,162 |
| Core capital (leverage) ratio | 9.0175% | 4,586 |
| Tier 1 risk-based capital ratio | 11.7933% | 5,859 |
| Total risk-based capital ratio | 13.0633% | 5,845 |
| Memoranda: | ||
| Average total assets | $171,718,000 | 3,523 |
| Average earning assets | $156,957,000 | 3,521 |
| Average equity | $15,045,500 | 3,894 |
| Average total loans | $128,286,500 | 3,097 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2182% | 6,900 |
| Cost of funding earning assets | 1.6500% | 1,831 |
| Net interest margin | 2.5681% | 7,231 |
| Noninterest income to average assets | -0.0209% | 7,322 |
| Noninterest expense to average assets | 3.3510% | 2,579 |
| Loan and lease loss provision to assets | 2.1929% | 566 |
| Net operating income to assets | -5.7651% | 7,577 |
| Return on assets (ROA) | -5.7651% | 7,581 |
| Pretax return on assets | -3.2701% | 7,334 |
| Return on Equity (ROE) | -52.5225% | 7,434 |
| Retained earnings to average equity (ytd only) | -52.5225% | 7,431 |
| Net charge-offs to loans | 2.2162% | 878 |
| Credit loss provision to net charge-offs | 131.7023% | 2,994 |
| Earnings coverage of net charge-offs (x) | -0.6470% | 6,515 |
| Efficiency ratio | 147.3750% | 230 |
| Assets per employee ($millions) | 4.9661% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9943% | 873 |
| Loan loss allowance to noncurrent loans | 36.1415% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 8.9130% | 509 |
| Noncurrent loans to loans | 8.2850% | 610 |
| Net loans and leases to total assets | 72.7656% | 1,932 |
| Net loans and leases to deposits | 79.8495% | 3,203 |
| Net loans and leases to core deposits | 107.9865% | 1,048 |
| Total domestic deposits to total assets | 91.1284% | 542 |
| Equity capital to assets | 8.5022% | 5,854 |
| Core capital (leverage) ratio | 7.6556% | 6,579 |
| Tier 1 risk-based capital ratio | 9.7995% | 7,052 |
| Total risk-based capital ratio | 11.0712% | 7,040 |
| Memoranda: | ||
| Average total assets | $176,753,400 | 3,425 |
| Average earning assets | $157,935,800 | 3,487 |
| Average equity | $19,401,200 | 3,222 |
| Average total loans | $132,795,200 | 3,071 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 7,028 |
| Cost of funding earning assets | 1.7005% | 1,878 |
| Net interest margin | 2.5528% | 7,343 |
| Noninterest income to average assets | -0.0999% | 7,539 |
| Noninterest expense to average assets | 3.3474% | 2,437 |
| Loan and lease loss provision to assets | 1.9719% | 603 |
| Net operating income to assets | -6.4641% | 7,705 |
| Return on assets (ROA) | -6.4641% | 7,706 |
| Pretax return on assets | -3.1513% | 7,452 |
| Return on Equity (ROE) | -55.8109% | 7,586 |
| Retained earnings to average equity (ytd only) | -55.8109% | 7,584 |
| Net charge-offs to loans | 1.7191% | 1,134 |
| Credit loss provision to net charge-offs | 152.6163% | 2,538 |
| Earnings coverage of net charge-offs (x) | -0.9128% | 6,433 |
| Efficiency ratio | 154.4006% | 188 |
| Assets per employee ($millions) | 4.5891% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9886% | 831 |
| Loan loss allowance to noncurrent loans | 51.2698% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 7.4900% | 698 |
| Noncurrent loans to loans | 5.8292% | 1,104 |
| Net loans and leases to total assets | 76.1576% | 1,377 |
| Net loans and leases to deposits | 85.0431% | 2,515 |
| Net loans and leases to core deposits | 118.7827% | 657 |
| Total domestic deposits to total assets | 89.5518% | 1,096 |
| Equity capital to assets | 9.8943% | 4,298 |
| Core capital (leverage) ratio | 8.2908% | 5,888 |
| Tier 1 risk-based capital ratio | 10.9297% | 6,439 |
| Total risk-based capital ratio | 12.2015% | 6,407 |
| Memoranda: | ||
| Average total assets | $177,488,500 | 3,459 |
| Average earning assets | $157,679,750 | 3,539 |
| Average equity | $20,557,000 | 3,107 |
| Average total loans | $133,399,000 | 3,111 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3219% | 7,011 |
| Cost of funding earning assets | 1.6942% | 2,145 |
| Net interest margin | 2.6277% | 7,323 |
| Noninterest income to average assets | -0.2798% | 7,709 |
| Noninterest expense to average assets | 3.2778% | 2,632 |
| Loan and lease loss provision to assets | 1.2237% | 1,146 |
| Net operating income to assets | -7.3146% | 7,779 |
| Return on assets (ROA) | -7.3146% | 7,781 |
| Pretax return on assets | -2.4562% | 7,357 |
| Return on Equity (ROE) | -60.4809% | 7,654 |
| Retained earnings to average equity (ytd only) | -60.4809% | 7,652 |
| Net charge-offs to loans | 1.6192% | 1,171 |
| Credit loss provision to net charge-offs | 101.9266% | 4,000 |
| Earnings coverage of net charge-offs (x) | -1.0266% | 6,123 |
| Efficiency ratio | 160.2585% | 176 |
| Assets per employee ($millions) | 5.0094% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2687% | 1,640 |
| Loan loss allowance to noncurrent loans | 57.1975% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 5.5640% | 1,100 |
| Noncurrent loans to loans | 3.9665% | 1,923 |
| Net loans and leases to total assets | 71.4712% | 2,543 |
| Net loans and leases to deposits | 79.9331% | 3,610 |
| Net loans and leases to core deposits | 111.3300% | 1,076 |
| Total domestic deposits to total assets | 89.4137% | 1,218 |
| Equity capital to assets | 10.1111% | 3,878 |
| Core capital (leverage) ratio | 9.1080% | 4,448 |
| Tier 1 risk-based capital ratio | 12.1194% | 5,203 |
| Total risk-based capital ratio | 13.3820% | 5,166 |
| Memoranda: | ||
| Average total assets | $181,582,670 | 3,422 |
| Average earning assets | $160,670,330 | 3,501 |
| Average equity | $21,960,670 | 2,923 |
| Average total loans | $134,634,330 | 3,109 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2081% | 7,253 |
| Cost of funding earning assets | 1.7414% | 2,177 |
| Net interest margin | 2.4667% | 7,494 |
| Noninterest income to average assets | -0.2173% | 7,810 |
| Noninterest expense to average assets | 3.5389% | 1,888 |
| Loan and lease loss provision to assets | 1.1460% | 1,069 |
| Net operating income to assets | -1.7255% | 7,394 |
| Return on assets (ROA) | -1.7255% | 7,398 |
| Pretax return on assets | -2.7595% | 7,561 |
| Return on Equity (ROE) | -13.1968% | 7,264 |
| Retained earnings to average equity (ytd only) | -13.1968% | 7,133 |
| Net charge-offs to loans | 1.0646% | 1,567 |
| Credit loss provision to net charge-offs | 144.1989% | 2,467 |
| Earnings coverage of net charge-offs (x) | -2.0304% | 5,472 |
| Efficiency ratio | 183.8084% | 119 |
| Assets per employee ($millions) | 4.8529% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3394% | 1,519 |
| Loan loss allowance to noncurrent loans | 89.6621% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 4.7656% | 1,382 |
| Noncurrent loans to loans | 2.6091% | 3,057 |
| Net loans and leases to total assets | 72.7928% | 2,264 |
| Net loans and leases to deposits | 84.5583% | 2,842 |
| Net loans and leases to core deposits | 121.0252% | 746 |
| Total domestic deposits to total assets | 86.0859% | 3,104 |
| Equity capital to assets | 13.3989% | 1,365 |
| Core capital (leverage) ratio | 9.6857% | 3,535 |
| Tier 1 risk-based capital ratio | 12.8290% | 4,456 |
| Total risk-based capital ratio | 14.0929% | 4,423 |
| Memoranda: | ||
| Average total assets | $182,205,500 | 3,469 |
| Average earning assets | $158,267,000 | 3,602 |
| Average equity | $23,824,000 | 2,734 |
| Average total loans | $136,011,000 | 3,146 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6260% | 7,249 |
| Cost of funding earning assets | 2.1928% | 2,072 |
| Net interest margin | 2.4332% | 7,486 |
| Noninterest income to average assets | -0.3947% | 7,923 |
| Noninterest expense to average assets | 3.9109% | 1,495 |
| Loan and lease loss provision to assets | 3.5060% | 439 |
| Net operating income to assets | -3.5776% | 7,526 |
| Return on assets (ROA) | -3.5776% | 7,534 |
| Pretax return on assets | -5.6874% | 7,777 |
| Return on Equity (ROE) | -27.8119% | 7,359 |
| Retained earnings to average equity (ytd only) | -27.8119% | 7,338 |
| Net charge-offs to loans | 4.6889% | 298 |
| Credit loss provision to net charge-offs | 91.9070% | 5,940 |
| Earnings coverage of net charge-offs (x) | -0.5718% | 6,737 |
| Efficiency ratio | 226.1272% | 105 |
| Assets per employee ($millions) | 4.9960% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1500% | 1,732 |
| Loan loss allowance to noncurrent loans | 32.6879% | 6,275 |
| Noncurrent assets plus other real estate owned to assets | 9.4470% | 418 |
| Noncurrent loans to loans | 6.5774% | 903 |
| Net loans and leases to total assets | 73.1472% | 2,467 |
| Net loans and leases to deposits | 84.3211% | 3,202 |
| Net loans and leases to core deposits | 128.9656% | 1,333 |
| Total domestic deposits to total assets | 86.7483% | 2,632 |
| Equity capital to assets | 12.7610% | 1,611 |
| Core capital (leverage) ratio | 9.8993% | 3,194 |
| Tier 1 risk-based capital ratio | 12.0885% | 4,860 |
| Total risk-based capital ratio | 13.3492% | 4,819 |
| Memoranda: | ||
| Average total assets | $187,219,800 | 3,323 |
| Average earning assets | $163,446,400 | 3,453 |
| Average equity | $24,083,200 | 2,715 |
| Average total loans | $152,318,600 | 2,886 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6509% | 7,353 |
| Cost of funding earning assets | 2.3364% | 1,858 |
| Net interest margin | 2.3145% | 7,632 |
| Noninterest income to average assets | 0.0781% | 7,512 |
| Noninterest expense to average assets | 3.9414% | 1,369 |
| Loan and lease loss provision to assets | 3.7732% | 333 |
| Net operating income to assets | -3.5354% | 7,694 |
| Return on assets (ROA) | -3.5354% | 7,697 |
| Pretax return on assets | -5.6062% | 7,878 |
| Return on Equity (ROE) | -27.4297% | 7,557 |
| Retained earnings to average equity (ytd only) | -27.4297% | 7,541 |
| Net charge-offs to loans | 4.9653% | 232 |
| Credit loss provision to net charge-offs | 91.5748% | 5,439 |
| Earnings coverage of net charge-offs (x) | -0.4449% | 6,455 |
| Efficiency ratio | 186.9360% | 177 |
| Assets per employee ($millions) | 4.8873% | 2,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1122% | 1,577 |
| Loan loss allowance to noncurrent loans | 29.0957% | 6,527 |
| Noncurrent assets plus other real estate owned to assets | 11.6789% | 243 |
| Noncurrent loans to loans | 7.2594% | 726 |
| Net loans and leases to total assets | 78.4245% | 1,498 |
| Net loans and leases to deposits | 91.4469% | 2,325 |
| Net loans and leases to core deposits | 136.9346% | 1,056 |
| Total domestic deposits to total assets | 85.7596% | 2,825 |
| Equity capital to assets | 13.6084% | 1,448 |
| Core capital (leverage) ratio | 9.9169% | 3,382 |
| Tier 1 risk-based capital ratio | 12.0737% | 4,903 |
| Total risk-based capital ratio | 13.3336% | 4,838 |
| Memoranda: | ||
| Average total assets | $187,811,750 | 3,340 |
| Average earning assets | $164,753,000 | 3,466 |
| Average equity | $24,206,750 | 2,718 |
| Average total loans | $155,852,000 | 2,856 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9200% | 6,986 |
| Cost of funding earning assets | 2.3586% | 2,128 |
| Net interest margin | 2.5614% | 7,401 |
| Noninterest income to average assets | -0.0579% | 8,013 |
| Noninterest expense to average assets | 3.9497% | 1,402 |
| Loan and lease loss provision to assets | 4.6177% | 239 |
| Net operating income to assets | -4.0192% | 7,833 |
| Return on assets (ROA) | -4.0192% | 7,827 |
| Pretax return on assets | -6.3543% | 7,969 |
| Return on Equity (ROE) | -31.7451% | 7,740 |
| Retained earnings to average equity (ytd only) | -31.7451% | 7,715 |
| Net charge-offs to loans | 6.1187% | 174 |
| Credit loss provision to net charge-offs | 89.9590% | 4,928 |
| Earnings coverage of net charge-offs (x) | -0.3383% | 5,984 |
| Efficiency ratio | 178.4696% | 255 |
| Assets per employee ($millions) | 4.9982% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9700% | 1,635 |
| Loan loss allowance to noncurrent loans | 19.6027% | 7,152 |
| Noncurrent assets plus other real estate owned to assets | 11.6987% | 198 |
| Noncurrent loans to loans | 10.0497% | 347 |
| Net loans and leases to total assets | 82.3100% | 896 |
| Net loans and leases to deposits | 96.3241% | 1,742 |
| Net loans and leases to core deposits | 126.7718% | 1,798 |
| Total domestic deposits to total assets | 85.4511% | 3,043 |
| Equity capital to assets | 13.9000% | 1,339 |
| Core capital (leverage) ratio | 11.2428% | 2,235 |
| Tier 1 risk-based capital ratio | 12.6418% | 4,401 |
| Total risk-based capital ratio | 13.9006% | 4,316 |
| Memoranda: | ||
| Average total assets | $190,139,000 | 3,338 |
| Average earning assets | $168,578,000 | 3,419 |
| Average equity | $24,073,000 | 2,745 |
| Average total loans | $159,511,000 | 2,826 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8714% | 7,240 |
| Cost of funding earning assets | 2.4497% | 2,104 |
| Net interest margin | 2.4218% | 7,594 |
| Noninterest income to average assets | -0.2138% | 8,166 |
| Noninterest expense to average assets | 3.9493% | 1,245 |
| Loan and lease loss provision to assets | 3.0445% | 355 |
| Net operating income to assets | -3.2541% | 7,882 |
| Return on assets (ROA) | -3.2541% | 7,884 |
| Pretax return on assets | -5.0472% | 7,991 |
| Return on Equity (ROE) | -26.9688% | 7,875 |
| Retained earnings to average equity (ytd only) | -26.9688% | 7,817 |
| Net charge-offs to loans | 5.4570% | 183 |
| Credit loss provision to net charge-offs | 66.5306% | 4,409 |
| Earnings coverage of net charge-offs (x) | -0.4376% | 5,231 |
| Efficiency ratio | 202.8785% | 180 |
| Assets per employee ($millions) | 4.7698% | 2,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7888% | 1,880 |
| Loan loss allowance to noncurrent loans | 22.8055% | 7,025 |
| Noncurrent assets plus other real estate owned to assets | 10.4913% | 205 |
| Noncurrent loans to loans | 7.8436% | 462 |
| Net loans and leases to total assets | 82.9670% | 850 |
| Net loans and leases to deposits | 95.3292% | 2,065 |
| Net loans and leases to core deposits | 122.5093% | 2,210 |
| Total domestic deposits to total assets | 87.0321% | 2,201 |
| Equity capital to assets | 12.3427% | 2,058 |
| Core capital (leverage) ratio | 9.5934% | 3,874 |
| Tier 1 risk-based capital ratio | 11.6321% | 5,266 |
| Total risk-based capital ratio | 12.8885% | 5,179 |
| Memoranda: | ||
| Average total assets | $192,741,000 | 3,324 |
| Average earning assets | $171,941,000 | 3,389 |
| Average equity | $23,256,500 | 2,851 |
| Average total loans | $161,627,000 | 2,820 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8718% | 6,173 |
| Cost of funding earning assets | 3.1840% | 1,243 |
| Net interest margin | 2.6878% | 7,517 |
| Noninterest income to average assets | -0.0242% | 8,167 |
| Noninterest expense to average assets | 3.4909% | 2,421 |
| Loan and lease loss provision to assets | 3.1006% | 291 |
| Net operating income to assets | -2.5749% | 7,728 |
| Return on assets (ROA) | -2.5349% | 7,688 |
| Pretax return on assets | -4.0502% | 7,897 |
| Return on Equity (ROE) | -29.5072% | 7,949 |
| Retained earnings to average equity (ytd only) | -29.5072% | 7,899 |
| Net charge-offs to loans | 3.0761% | 285 |
| Credit loss provision to net charge-offs | 124.2219% | 4,312 |
| Earnings coverage of net charge-offs (x) | -0.4055% | 6,458 |
| Efficiency ratio | 140.8370% | 399 |
| Assets per employee ($millions) | 5.1144% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1366% | 1,019 |
| Loan loss allowance to noncurrent loans | 23.2691% | 7,088 |
| Noncurrent assets plus other real estate owned to assets | 8.3610% | 264 |
| Noncurrent loans to loans | 9.1820% | 249 |
| Net loans and leases to total assets | 81.4986% | 1,319 |
| Net loans and leases to deposits | 93.2826% | 2,907 |
| Net loans and leases to core deposits | 113.8656% | 3,356 |
| Total domestic deposits to total assets | 87.3675% | 1,773 |
| Equity capital to assets | 11.8083% | 2,422 |
| Core capital (leverage) ratio | 10.0349% | 3,415 |
| Tier 1 risk-based capital ratio | 12.2489% | 4,628 |
| Total risk-based capital ratio | 13.5103% | 4,509 |
| Memoranda: | ||
| Average total assets | $218,827,800 | 2,889 |
| Average earning assets | $203,770,800 | 2,860 |
| Average equity | $18,798,800 | 3,428 |
| Average total loans | $177,563,600 | 2,529 |