Home > Central Florida State Bank > Performance and Condition Ratios
Central Florida State Bank, Performance and Condition Ratios
| 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 | 4.3685% | 5,542 |
| Cost of funding earning assets | 1.2860% | 1,547 |
| Net interest margin | 3.0825% | 6,380 |
| Noninterest income to average assets | -2.1039% | 7,351 |
| Noninterest expense to average assets | 3.7063% | 1,527 |
| Loan and lease loss provision to assets | 3.7287% | 67 |
| Net operating income to assets | -6.9534% | 7,334 |
| Return on assets (ROA) | -6.9609% | 7,336 |
| Pretax return on assets | -6.9609% | 7,338 |
| Return on Equity (ROE) | -168.3376% | 7,341 |
| Retained earnings to average equity (ytd only) | -168.3376% | 7,341 |
| Net charge-offs to loans | 7.8368% | 16 |
| Credit loss provision to net charge-offs | 72.0038% | 4,775 |
| Earnings coverage of net charge-offs (x) | -0.6227% | 6,122 |
| Efficiency ratio | 769.5876% | 7 |
| Assets per employee ($millions) | 3.5743% | 4,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9246% | 187 |
| Loan loss allowance to noncurrent loans | 15.6316% | 6,727 |
| Noncurrent assets plus other real estate owned to assets | 27.9317% | 14 |
| Noncurrent loans to loans | 31.5040% | 13 |
| Net loans and leases to total assets | 64.4401% | 3,090 |
| Net loans and leases to deposits | 64.8073% | 4,899 |
| Net loans and leases to core deposits | 70.5145% | 4,720 |
| Total domestic deposits to total assets | 99.4334% | 5 |
| Equity capital to assets | 0.4616% | 7,349 |
| Core capital (leverage) ratio | 0.3799% | 7,350 |
| Tier 1 risk-based capital ratio | 0.5225% | 7,350 |
| Total risk-based capital ratio | 1.0451% | 7,350 |
| Memoranda: | ||
| Average total assets | $80,564,600 | 5,442 |
| Average earning assets | $67,574,600 | 5,627 |
| Average equity | $3,331,400 | 6,921 |
| Average total loans | $53,236,000 | 5,141 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3385% | 5,821 |
| Cost of funding earning assets | 1.2979% | 1,719 |
| Net interest margin | 3.0406% | 6,507 |
| Noninterest income to average assets | -2.8264% | 7,435 |
| Noninterest expense to average assets | 3.6232% | 1,662 |
| Loan and lease loss provision to assets | 3.8163% | 66 |
| Net operating income to assets | -7.7019% | 7,416 |
| Return on assets (ROA) | -7.7100% | 7,417 |
| Pretax return on assets | -7.7100% | 7,418 |
| Return on Equity (ROE) | -156.4650% | 7,415 |
| Retained earnings to average equity (ytd only) | -156.4650% | 7,415 |
| Net charge-offs to loans | 7.7501% | 26 |
| Credit loss provision to net charge-offs | 74.9368% | 4,321 |
| Earnings coverage of net charge-offs (x) | -0.7630% | 5,894 |
| Efficiency ratio | -1,380.9816% | 7,433 |
| Assets per employee ($millions) | 3.5934% | 4,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4888% | 134 |
| Loan loss allowance to noncurrent loans | 19.6610% | 6,685 |
| Noncurrent assets plus other real estate owned to assets | 23.3663% | 27 |
| Noncurrent loans to loans | 27.9174% | 18 |
| Net loans and leases to total assets | 60.1374% | 4,104 |
| Net loans and leases to deposits | 61.1476% | 5,495 |
| Net loans and leases to core deposits | 69.0301% | 5,064 |
| Total domestic deposits to total assets | 98.3480% | 5 |
| Equity capital to assets | 1.4572% | 7,414 |
| Core capital (leverage) ratio | 1.3349% | 7,416 |
| Tier 1 risk-based capital ratio | 1.9004% | 7,415 |
| Total risk-based capital ratio | 3.1856% | 7,415 |
| Memoranda: | ||
| Average total assets | $82,834,500 | 5,415 |
| Average earning assets | $69,853,000 | 5,587 |
| Average equity | $4,081,750 | 6,779 |
| Average total loans | $54,432,250 | 5,143 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4696% | 5,452 |
| Cost of funding earning assets | 1.2931% | 1,987 |
| Net interest margin | 3.1765% | 6,224 |
| Noninterest income to average assets | 0.0785% | 6,932 |
| Noninterest expense to average assets | 5.8910% | 208 |
| Loan and lease loss provision to assets | 1.2248% | 630 |
| Net operating income to assets | -4.3499% | 7,411 |
| Return on assets (ROA) | -4.3594% | 7,412 |
| Pretax return on assets | -4.3594% | 7,405 |
| Return on Equity (ROE) | -72.4745% | 7,408 |
| Retained earnings to average equity (ytd only) | -72.4745% | 7,405 |
| Net charge-offs to loans | 8.2137% | 37 |
| Credit loss provision to net charge-offs | 22.4695% | 5,099 |
| Earnings coverage of net charge-offs (x) | -0.5733% | 5,545 |
| Efficiency ratio | 212.9837% | 50 |
| Assets per employee ($millions) | 3.8354% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3569% | 666 |
| Loan loss allowance to noncurrent loans | 17.7551% | 6,783 |
| Noncurrent assets plus other real estate owned to assets | 18.7762% | 81 |
| Noncurrent loans to loans | 18.9065% | 76 |
| Net loans and leases to total assets | 60.6651% | 4,155 |
| Net loans and leases to deposits | 63.9091% | 5,286 |
| Net loans and leases to core deposits | 71.8741% | 4,836 |
| Total domestic deposits to total assets | 94.9240% | 54 |
| Equity capital to assets | 4.8579% | 7,331 |
| Core capital (leverage) ratio | 4.7671% | 7,318 |
| Tier 1 risk-based capital ratio | 6.5190% | 7,337 |
| Total risk-based capital ratio | 7.7827% | 7,339 |
| Memoranda: | ||
| Average total assets | $84,094,670 | 5,420 |
| Average earning assets | $71,147,330 | 5,590 |
| Average equity | $5,058,330 | 6,513 |
| Average total loans | $55,809,000 | 5,134 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 5,284 |
| Cost of funding earning assets | 1.2638% | 2,397 |
| Net interest margin | 3.2513% | 5,918 |
| Noninterest income to average assets | 0.1286% | 6,774 |
| Noninterest expense to average assets | 4.5120% | 586 |
| Loan and lease loss provision to assets | 1.8105% | 317 |
| Net operating income to assets | -3.4114% | 7,420 |
| Return on assets (ROA) | -3.4257% | 7,424 |
| Pretax return on assets | -3.4257% | 7,410 |
| Return on Equity (ROE) | -51.9321% | 7,421 |
| Retained earnings to average equity (ytd only) | -51.9321% | 7,409 |
| Net charge-offs to loans | 14.7823% | 16 |
| Credit loss provision to net charge-offs | 17.9669% | 4,277 |
| Earnings coverage of net charge-offs (x) | -0.1589% | 4,670 |
| Efficiency ratio | 154.9918% | 142 |
| Assets per employee ($millions) | 3.8647% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2837% | 720 |
| Loan loss allowance to noncurrent loans | 21.4885% | 6,710 |
| Noncurrent assets plus other real estate owned to assets | 16.3789% | 121 |
| Noncurrent loans to loans | 15.2812% | 144 |
| Net loans and leases to total assets | 63.0128% | 3,652 |
| Net loans and leases to deposits | 67.4005% | 4,764 |
| Net loans and leases to core deposits | 77.2233% | 4,128 |
| Total domestic deposits to total assets | 93.4901% | 101 |
| Equity capital to assets | 6.0912% | 7,275 |
| Core capital (leverage) ratio | 6.2091% | 7,218 |
| Tier 1 risk-based capital ratio | 7.9473% | 7,299 |
| Total risk-based capital ratio | 9.2166% | 7,302 |
| Memoranda: | ||
| Average total assets | $83,953,000 | 5,473 |
| Average earning assets | $71,847,500 | 5,611 |
| Average equity | $5,538,000 | 6,383 |
| Average total loans | $57,230,500 | 5,123 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7139% | 5,760 |
| Cost of funding earning assets | 1.5750% | 2,216 |
| Net interest margin | 3.1389% | 6,416 |
| Noninterest income to average assets | 0.1855% | 6,427 |
| Noninterest expense to average assets | 3.4588% | 2,283 |
| Loan and lease loss provision to assets | 5.0949% | 73 |
| Net operating income to assets | -5.6210% | 7,574 |
| Return on assets (ROA) | -5.2325% | 7,559 |
| Pretax return on assets | -5.2325% | 7,550 |
| Return on Equity (ROE) | -58.1133% | 7,472 |
| Retained earnings to average equity (ytd only) | -58.1133% | 7,470 |
| Net charge-offs to loans | 6.5455% | 74 |
| Credit loss provision to net charge-offs | 109.5775% | 4,024 |
| Earnings coverage of net charge-offs (x) | -0.1131% | 6,232 |
| Efficiency ratio | 117.9382% | 430 |
| Assets per employee ($millions) | 3.9468% | 3,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0170% | 109 |
| Loan loss allowance to noncurrent loans | 43.2097% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 15.3447% | 153 |
| Noncurrent loans to loans | 13.9251% | 198 |
| Net loans and leases to total assets | 66.9771% | 3,232 |
| Net loans and leases to deposits | 72.2201% | 4,480 |
| Net loans and leases to core deposits | 83.1616% | 3,726 |
| Total domestic deposits to total assets | 92.7403% | 163 |
| Equity capital to assets | 7.1149% | 7,075 |
| Core capital (leverage) ratio | 6.8698% | 7,079 |
| Tier 1 risk-based capital ratio | 9.0563% | 7,235 |
| Total risk-based capital ratio | 10.3586% | 7,227 |
| Memoranda: | ||
| Average total assets | $91,620,200 | 5,236 |
| Average earning assets | $80,188,400 | 5,340 |
| Average equity | $8,249,400 | 5,639 |
| Average total loans | $65,083,000 | 4,867 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6958% | 6,037 |
| Cost of funding earning assets | 1.6354% | 2,181 |
| Net interest margin | 3.0604% | 6,708 |
| Noninterest income to average assets | 0.1535% | 6,759 |
| Noninterest expense to average assets | 3.2805% | 2,627 |
| Loan and lease loss provision to assets | 4.9108% | 94 |
| Net operating income to assets | -5.3486% | 7,670 |
| Return on assets (ROA) | -4.8468% | 7,642 |
| Pretax return on assets | -4.8468% | 7,627 |
| Return on Equity (ROE) | -51.4461% | 7,569 |
| Retained earnings to average equity (ytd only) | -51.4461% | 7,567 |
| Net charge-offs to loans | 7.1804% | 61 |
| Credit loss provision to net charge-offs | 96.3469% | 4,501 |
| Earnings coverage of net charge-offs (x) | -0.0859% | 6,099 |
| Efficiency ratio | 115.4000% | 442 |
| Assets per employee ($millions) | 4.1419% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9337% | 183 |
| Loan loss allowance to noncurrent loans | 41.2618% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 13.1536% | 222 |
| Noncurrent loans to loans | 11.9571% | 294 |
| Net loans and leases to total assets | 66.7912% | 3,512 |
| Net loans and leases to deposits | 73.1592% | 4,660 |
| Net loans and leases to core deposits | 85.4137% | 3,743 |
| Total domestic deposits to total assets | 91.2957% | 357 |
| Equity capital to assets | 8.4054% | 6,387 |
| Core capital (leverage) ratio | 8.4345% | 5,632 |
| Tier 1 risk-based capital ratio | 10.7176% | 6,623 |
| Total risk-based capital ratio | 12.0071% | 6,569 |
| Memoranda: | ||
| Average total assets | $93,804,750 | 5,222 |
| Average earning assets | $82,426,250 | 5,327 |
| Average equity | $8,837,500 | 5,542 |
| Average total loans | $66,587,250 | 4,880 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7830% | 5,849 |
| Cost of funding earning assets | 1.6391% | 2,438 |
| Net interest margin | 3.1438% | 6,482 |
| Noninterest income to average assets | 0.1728% | 6,669 |
| Noninterest expense to average assets | 3.4534% | 2,138 |
| Loan and lease loss provision to assets | 4.9959% | 106 |
| Net operating income to assets | -5.5017% | 7,716 |
| Return on assets (ROA) | -4.7336% | 7,686 |
| Pretax return on assets | -4.7336% | 7,665 |
| Return on Equity (ROE) | -48.6608% | 7,601 |
| Retained earnings to average equity (ytd only) | -48.6608% | 7,596 |
| Net charge-offs to loans | 4.1162% | 308 |
| Credit loss provision to net charge-offs | 170.4545% | 2,292 |
| Earnings coverage of net charge-offs (x) | -0.1726% | 5,859 |
| Efficiency ratio | 117.1610% | 450 |
| Assets per employee ($millions) | 3.5252% | 4,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4104% | 82 |
| Loan loss allowance to noncurrent loans | 62.3568% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 10.2804% | 381 |
| Noncurrent loans to loans | 10.2802% | 428 |
| Net loans and leases to total assets | 63.4717% | 4,361 |
| Net loans and leases to deposits | 69.8457% | 5,303 |
| Net loans and leases to core deposits | 85.0013% | 3,996 |
| Total domestic deposits to total assets | 90.8742% | 539 |
| Equity capital to assets | 8.8337% | 5,702 |
| Core capital (leverage) ratio | 8.8644% | 4,812 |
| Tier 1 risk-based capital ratio | 11.6786% | 5,603 |
| Total risk-based capital ratio | 12.9609% | 5,534 |
| Memoranda: | ||
| Average total assets | $96,079,670 | 5,190 |
| Average earning assets | $84,800,670 | 5,268 |
| Average equity | $9,346,330 | 5,401 |
| Average total loans | $68,413,000 | 4,844 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8191% | 5,819 |
| Cost of funding earning assets | 1.6079% | 2,914 |
| Net interest margin | 3.2112% | 6,263 |
| Noninterest income to average assets | 0.1243% | 7,059 |
| Noninterest expense to average assets | 3.3399% | 2,391 |
| Loan and lease loss provision to assets | 9.9452% | 31 |
| Net operating income to assets | -10.2891% | 7,900 |
| Return on assets (ROA) | -8.7642% | 7,878 |
| Pretax return on assets | -8.7642% | 7,871 |
| Return on Equity (ROE) | -86.1902% | 7,807 |
| Retained earnings to average equity (ytd only) | -86.1902% | 7,803 |
| Net charge-offs to loans | 4.8334% | 254 |
| Credit loss provision to net charge-offs | 282.3529% | 1,400 |
| Earnings coverage of net charge-offs (x) | -0.0976% | 5,098 |
| Efficiency ratio | 111.4799% | 572 |
| Assets per employee ($millions) | 3.5145% | 4,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8848% | 61 |
| Loan loss allowance to noncurrent loans | 49.4576% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 13.1476% | 203 |
| Noncurrent loans to loans | 13.9207% | 217 |
| Net loans and leases to total assets | 66.9308% | 3,647 |
| Net loans and leases to deposits | 73.7286% | 4,788 |
| Net loans and leases to core deposits | 92.4739% | 3,049 |
| Total domestic deposits to total assets | 90.7800% | 619 |
| Equity capital to assets | 9.0145% | 5,254 |
| Core capital (leverage) ratio | 8.9088% | 4,716 |
| Tier 1 risk-based capital ratio | 11.5648% | 5,609 |
| Total risk-based capital ratio | 12.8769% | 5,512 |
| Memoranda: | ||
| Average total assets | $96,529,000 | 5,244 |
| Average earning assets | $86,323,500 | 5,295 |
| Average equity | $9,815,500 | 5,290 |
| Average total loans | $70,344,000 | 4,845 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4357% | 4,511 |
| Cost of funding earning assets | 2.4443% | 1,176 |
| Net interest margin | 2.9914% | 6,669 |
| Noninterest income to average assets | -0.3615% | 7,908 |
| Noninterest expense to average assets | 2.9424% | 4,372 |
| Loan and lease loss provision to assets | 3.2674% | 496 |
| Net operating income to assets | -3.9083% | 7,585 |
| Return on assets (ROA) | -3.7220% | 7,562 |
| Pretax return on assets | -3.6545% | 7,457 |
| Return on Equity (ROE) | -30.8294% | 7,420 |
| Retained earnings to average equity (ytd only) | -30.8294% | 7,406 |
| Net charge-offs to loans | 2.9324% | 731 |
| Credit loss provision to net charge-offs | 159.1374% | 2,813 |
| Earnings coverage of net charge-offs (x) | -0.2792% | 6,524 |
| Efficiency ratio | 124.2004% | 540 |
| Assets per employee ($millions) | 3.6358% | 4,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3405% | 284 |
| Loan loss allowance to noncurrent loans | 33.6111% | 6,197 |
| Noncurrent assets plus other real estate owned to assets | 11.1240% | 294 |
| Noncurrent loans to loans | 12.9139% | 244 |
| Net loans and leases to total assets | 70.6293% | 3,097 |
| Net loans and leases to deposits | 79.7282% | 4,042 |
| Net loans and leases to core deposits | 91.2902% | 4,978 |
| Total domestic deposits to total assets | 88.5877% | 1,682 |
| Equity capital to assets | 11.2839% | 2,473 |
| Core capital (leverage) ratio | 10.3480% | 2,742 |
| Tier 1 risk-based capital ratio | 13.6909% | 3,689 |
| Total risk-based capital ratio | 14.9755% | 3,610 |
| Memoranda: | ||
| Average total assets | $109,537,400 | 4,833 |
| Average earning assets | $99,987,400 | 4,846 |
| Average equity | $13,224,400 | 4,449 |
| Average total loans | $76,693,600 | 4,632 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5101% | 4,368 |
| Cost of funding earning assets | 2.6008% | 1,027 |
| Net interest margin | 2.9093% | 6,837 |
| Noninterest income to average assets | -0.5422% | 8,048 |
| Noninterest expense to average assets | 2.8984% | 4,460 |
| Loan and lease loss provision to assets | 3.7894% | 328 |
| Net operating income to assets | -5.0541% | 7,846 |
| Return on assets (ROA) | -5.0530% | 7,849 |
| Pretax return on assets | -4.5665% | 7,762 |
| Return on Equity (ROE) | -41.2646% | 7,763 |
| Retained earnings to average equity (ytd only) | -41.2646% | 7,760 |
| Net charge-offs to loans | 4.0609% | 342 |
| Credit loss provision to net charge-offs | 134.8818% | 3,684 |
| Earnings coverage of net charge-offs (x) | -0.2770% | 6,344 |
| Efficiency ratio | 136.7096% | 407 |
| Assets per employee ($millions) | 4.0563% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6059% | 380 |
| Loan loss allowance to noncurrent loans | 34.4954% | 6,127 |
| Noncurrent assets plus other real estate owned to assets | 8.3089% | 500 |
| Noncurrent loans to loans | 10.4534% | 369 |
| Net loans and leases to total assets | 64.4863% | 4,754 |
| Net loans and leases to deposits | 71.6041% | 5,717 |
| Net loans and leases to core deposits | 86.8143% | 5,786 |
| Total domestic deposits to total assets | 90.0594% | 746 |
| Equity capital to assets | 9.6529% | 4,550 |
| Core capital (leverage) ratio | 9.0641% | 4,551 |
| Tier 1 risk-based capital ratio | 12.9412% | 4,235 |
| Total risk-based capital ratio | 14.1852% | 4,167 |
| Memoranda: | ||
| Average total assets | $112,380,250 | 4,794 |
| Average earning assets | $102,838,750 | 4,793 |
| Average equity | $13,761,250 | 4,347 |
| Average total loans | $77,747,000 | 4,635 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6815% | 3,650 |
| Cost of funding earning assets | 2.6968% | 1,033 |
| Net interest margin | 2.9847% | 6,593 |
| Noninterest income to average assets | -0.8700% | 8,150 |
| Noninterest expense to average assets | 2.9753% | 4,182 |
| Loan and lease loss provision to assets | 0.6176% | 2,579 |
| Net operating income to assets | -1.0703% | 7,033 |
| Return on assets (ROA) | -1.0782% | 7,038 |
| Pretax return on assets | -1.7488% | 7,190 |
| Return on Equity (ROE) | -8.2432% | 6,910 |
| Retained earnings to average equity (ytd only) | -8.2432% | 6,695 |
| Net charge-offs to loans | 0.0555% | 5,710 |
| Credit loss provision to net charge-offs | 1,590.9091% | 322 |
| Earnings coverage of net charge-offs (x) | -28.8182% | 6,580 |
| Efficiency ratio | 160.2662% | 325 |
| Assets per employee ($millions) | 4.2956% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7723% | 697 |
| Loan loss allowance to noncurrent loans | 25.3608% | 6,819 |
| Noncurrent assets plus other real estate owned to assets | 8.3764% | 434 |
| Noncurrent loans to loans | 10.9315% | 284 |
| Net loans and leases to total assets | 64.8313% | 4,802 |
| Net loans and leases to deposits | 74.4350% | 5,389 |
| Net loans and leases to core deposits | 92.9122% | 5,248 |
| Total domestic deposits to total assets | 87.0979% | 2,202 |
| Equity capital to assets | 12.3727% | 1,992 |
| Core capital (leverage) ratio | 12.5534% | 1,596 |
| Tier 1 risk-based capital ratio | 16.4169% | 2,474 |
| Total risk-based capital ratio | 17.6208% | 2,443 |
| Memoranda: | ||
| Average total assets | $113,333,330 | 4,792 |
| Average earning assets | $103,529,670 | 4,801 |
| Average equity | $14,824,330 | 4,141 |
| Average total loans | $79,240,000 | 4,611 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7518% | 3,519 |
| Cost of funding earning assets | 2.8392% | 891 |
| Net interest margin | 2.9126% | 6,713 |
| Noninterest income to average assets | 0.1893% | 6,937 |
| Noninterest expense to average assets | 2.9997% | 3,770 |
| Loan and lease loss provision to assets | 0.2678% | 3,818 |
| Net operating income to assets | -0.2406% | 6,607 |
| Return on assets (ROA) | -0.2428% | 6,686 |
| Pretax return on assets | -0.3893% | 6,736 |
| Return on Equity (ROE) | -1.8059% | 6,638 |
| Retained earnings to average equity (ytd only) | -1.8059% | 6,062 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0892% | 985 |
| Assets per employee ($millions) | 4.0402% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3604% | 890 |
| Loan loss allowance to noncurrent loans | 21.5327% | 7,086 |
| Noncurrent assets plus other real estate owned to assets | 8.0726% | 360 |
| Noncurrent loans to loans | 10.9620% | 229 |
| Net loans and leases to total assets | 71.7074% | 3,304 |
| Net loans and leases to deposits | 85.6336% | 3,699 |
| Net loans and leases to core deposits | 114.4400% | 2,963 |
| Total domestic deposits to total assets | 83.7375% | 3,829 |
| Equity capital to assets | 13.7654% | 1,432 |
| Core capital (leverage) ratio | 13.3929% | 1,359 |
| Tier 1 risk-based capital ratio | 16.5690% | 2,492 |
| Total risk-based capital ratio | 17.8293% | 2,415 |
| Memoranda: | ||
| Average total assets | $112,009,500 | 4,855 |
| Average earning assets | $103,551,000 | 4,820 |
| Average equity | $15,061,500 | 4,129 |
| Average total loans | $80,192,000 | 4,611 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5407% | 2,757 |
| Cost of funding earning assets | 3.3797% | 738 |
| Net interest margin | 3.1610% | 6,488 |
| Noninterest income to average assets | 0.2568% | 6,614 |
| Noninterest expense to average assets | 2.7667% | 4,977 |
| Loan and lease loss provision to assets | 1.5752% | 843 |
| Net operating income to assets | -0.7289% | 7,084 |
| Return on assets (ROA) | -0.7055% | 6,972 |
| Pretax return on assets | -1.1111% | 7,065 |
| Return on Equity (ROE) | -5.5757% | 6,919 |
| Retained earnings to average equity (ytd only) | -5.5757% | 6,599 |
| Net charge-offs to loans | 1.4329% | 813 |
| Credit loss provision to net charge-offs | 155.4130% | 3,360 |
| Earnings coverage of net charge-offs (x) | 0.4218% | 5,982 |
| Efficiency ratio | 86.6158% | 1,796 |
| Assets per employee ($millions) | 3.3804% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2623% | 891 |
| Loan loss allowance to noncurrent loans | 35.6988% | 6,361 |
| Noncurrent assets plus other real estate owned to assets | 4.4469% | 857 |
| Noncurrent loans to loans | 6.3373% | 519 |
| Net loans and leases to total assets | 68.2609% | 4,417 |
| Net loans and leases to deposits | 80.5129% | 4,956 |
| Net loans and leases to core deposits | 102.5810% | 4,541 |
| Total domestic deposits to total assets | 84.7826% | 2,941 |
| Equity capital to assets | 13.1441% | 1,731 |
| Core capital (leverage) ratio | 12.6978% | 1,669 |
| Tier 1 risk-based capital ratio | 16.4180% | 2,514 |
| Total risk-based capital ratio | 17.6777% | 2,448 |
| Memoranda: | ||
| Average total assets | $123,034,200 | 4,444 |
| Average earning assets | $114,329,400 | 4,407 |
| Average equity | $15,567,600 | 4,011 |
| Average total loans | $87,028,000 | 4,308 |