Home > Charter National Bank and Trust > Performance and Condition Ratios
Charter National Bank and Trust, 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 | 4.5616% | 4,830 |
| Cost of funding earning assets | 0.3362% | 7,040 |
| Net interest margin | 4.2254% | 1,975 |
| Noninterest income to average assets | 1.2530% | 827 |
| Noninterest expense to average assets | 7.9437% | 106 |
| Loan and lease loss provision to assets | 2.0492% | 280 |
| Net operating income to assets | -5.2214% | 7,312 |
| Return on assets (ROA) | -4.4698% | 7,285 |
| Pretax return on assets | -4.4698% | 7,291 |
| Return on Equity (ROE) | -180.3541% | 7,344 |
| Retained earnings to average equity (ytd only) | -180.3541% | 7,344 |
| Net charge-offs to loans | 2.8159% | 374 |
| Credit loss provision to net charge-offs | 110.7296% | 3,012 |
| Earnings coverage of net charge-offs (x) | -1.7141% | 6,265 |
| Efficiency ratio | 166.4794% | 103 |
| Assets per employee ($millions) | 2.9342% | 6,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2071% | 677 |
| Loan loss allowance to noncurrent loans | 51.4219% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 14.6655% | 137 |
| Noncurrent loans to loans | 6.2368% | 780 |
| Net loans and leases to total assets | 56.9589% | 4,552 |
| Net loans and leases to deposits | 59.7653% | 5,515 |
| Net loans and leases to core deposits | 60.3848% | 5,810 |
| Total domestic deposits to total assets | 95.3043% | 52 |
| Equity capital to assets | 0.3334% | 7,351 |
| Core capital (leverage) ratio | 0.0898% | 7,353 |
| Tier 1 risk-based capital ratio | 0.1260% | 7,353 |
| Total risk-based capital ratio | 0.2521% | 7,353 |
| Memoranda: | ||
| Average total assets | $100,721,000 | 4,875 |
| Average earning assets | $83,873,600 | 5,125 |
| Average equity | $2,496,200 | 7,121 |
| Average total loans | $66,194,800 | 4,625 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4244% | 5,523 |
| Cost of funding earning assets | 0.3499% | 7,126 |
| Net interest margin | 4.0744% | 2,578 |
| Noninterest income to average assets | 1.2210% | 885 |
| Noninterest expense to average assets | 8.1682% | 101 |
| Loan and lease loss provision to assets | 2.6607% | 154 |
| Net operating income to assets | -6.1674% | 7,402 |
| Return on assets (ROA) | -5.7860% | 7,395 |
| Pretax return on assets | -5.7860% | 7,395 |
| Return on Equity (ROE) | -194.8231% | 7,422 |
| Retained earnings to average equity (ytd only) | -194.8231% | 7,422 |
| Net charge-offs to loans | 2.2998% | 514 |
| Credit loss provision to net charge-offs | 171.9092% | 1,747 |
| Earnings coverage of net charge-offs (x) | -2.2658% | 6,034 |
| Efficiency ratio | 175.2304% | 84 |
| Assets per employee ($millions) | 3.0695% | 5,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7885% | 459 |
| Loan loss allowance to noncurrent loans | 29.0659% | 6,309 |
| Noncurrent assets plus other real estate owned to assets | 14.9449% | 135 |
| Noncurrent loans to loans | 13.0342% | 198 |
| Net loans and leases to total assets | 64.7726% | 3,154 |
| Net loans and leases to deposits | 66.2977% | 4,857 |
| Net loans and leases to core deposits | 67.2035% | 5,281 |
| Total domestic deposits to total assets | 97.6996% | 11 |
| Equity capital to assets | 0.7892% | 7,428 |
| Core capital (leverage) ratio | 0.1431% | 7,431 |
| Tier 1 risk-based capital ratio | 0.1875% | 7,431 |
| Total risk-based capital ratio | 0.3751% | 7,431 |
| Memoranda: | ||
| Average total assets | $102,427,750 | 4,855 |
| Average earning assets | $86,488,500 | 5,078 |
| Average equity | $3,042,000 | 7,060 |
| Average total loans | $68,930,250 | 4,571 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2792% | 6,083 |
| Cost of funding earning assets | 0.3673% | 7,196 |
| Net interest margin | 3.9119% | 3,253 |
| Noninterest income to average assets | 1.1922% | 908 |
| Noninterest expense to average assets | 5.7949% | 219 |
| Loan and lease loss provision to assets | 2.1840% | 263 |
| Net operating income to assets | -3.4754% | 7,365 |
| Return on assets (ROA) | -3.3190% | 7,352 |
| Pretax return on assets | -3.3190% | 7,342 |
| Return on Equity (ROE) | -91.4425% | 7,432 |
| Retained earnings to average equity (ytd only) | -91.4425% | 7,430 |
| Net charge-offs to loans | 0.2410% | 3,679 |
| Credit loss provision to net charge-offs | 1,347.0588% | 262 |
| Earnings coverage of net charge-offs (x) | -7.9647% | 5,818 |
| Efficiency ratio | 128.6743% | 266 |
| Assets per employee ($millions) | 2.9974% | 6,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9236% | 439 |
| Loan loss allowance to noncurrent loans | 36.4089% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 13.8645% | 179 |
| Noncurrent loans to loans | 10.7765% | 335 |
| Net loans and leases to total assets | 61.4338% | 4,003 |
| Net loans and leases to deposits | 65.8167% | 5,025 |
| Net loans and leases to core deposits | 66.8947% | 5,398 |
| Total domestic deposits to total assets | 93.3408% | 115 |
| Equity capital to assets | 2.9073% | 7,436 |
| Core capital (leverage) ratio | 2.7299% | 7,435 |
| Tier 1 risk-based capital ratio | 3.7324% | 7,441 |
| Total risk-based capital ratio | 5.0088% | 7,441 |
| Memoranda: | ||
| Average total assets | $104,851,670 | 4,835 |
| Average earning assets | $88,754,330 | 5,031 |
| Average equity | $3,805,670 | 6,900 |
| Average total loans | $70,553,000 | 4,551 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0702% | 6,564 |
| Cost of funding earning assets | 0.3737% | 7,279 |
| Net interest margin | 3.6965% | 4,130 |
| Noninterest income to average assets | 1.3585% | 698 |
| Noninterest expense to average assets | 5.7773% | 219 |
| Loan and lease loss provision to assets | 1.8011% | 322 |
| Net operating income to assets | -3.0489% | 7,398 |
| Return on assets (ROA) | -3.0489% | 7,402 |
| Pretax return on assets | -3.0489% | 7,380 |
| Return on Equity (ROE) | -76.3954% | 7,476 |
| Retained earnings to average equity (ytd only) | -76.3954% | 7,469 |
| Net charge-offs to loans | 0.0498% | 4,437 |
| Credit loss provision to net charge-offs | 5,244.4444% | 71 |
| Earnings coverage of net charge-offs (x) | -36.3333% | 5,086 |
| Efficiency ratio | 127.5484% | 276 |
| Assets per employee ($millions) | 2.7401% | 6,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8384% | 1,072 |
| Loan loss allowance to noncurrent loans | 23.0517% | 6,645 |
| Noncurrent assets plus other real estate owned to assets | 13.5780% | 191 |
| Noncurrent loans to loans | 12.3131% | 261 |
| Net loans and leases to total assets | 66.9020% | 2,782 |
| Net loans and leases to deposits | 70.1351% | 4,326 |
| Net loans and leases to core deposits | 71.4662% | 4,858 |
| Total domestic deposits to total assets | 95.3901% | 48 |
| Equity capital to assets | 3.6341% | 7,463 |
| Core capital (leverage) ratio | 3.5179% | 7,461 |
| Tier 1 risk-based capital ratio | 4.6272% | 7,472 |
| Total risk-based capital ratio | 5.8911% | 7,472 |
| Memoranda: | ||
| Average total assets | $104,823,500 | 4,872 |
| Average earning assets | $89,922,500 | 5,032 |
| Average equity | $4,183,500 | 6,815 |
| Average total loans | $72,289,000 | 4,537 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1224% | 7,017 |
| Cost of funding earning assets | 0.5468% | 7,234 |
| Net interest margin | 3.5756% | 4,932 |
| Noninterest income to average assets | 1.2490% | 953 |
| Noninterest expense to average assets | 4.9935% | 414 |
| Loan and lease loss provision to assets | 3.0775% | 299 |
| Net operating income to assets | -3.6811% | 7,398 |
| Return on assets (ROA) | -3.6811% | 7,415 |
| Pretax return on assets | -3.6811% | 7,393 |
| Return on Equity (ROE) | -63.5618% | 7,497 |
| Retained earnings to average equity (ytd only) | -63.5618% | 7,495 |
| Net charge-offs to loans | 4.2594% | 272 |
| Credit loss provision to net charge-offs | 100.1453% | 4,550 |
| Earnings coverage of net charge-offs (x) | -0.1964% | 6,292 |
| Efficiency ratio | 113.7482% | 477 |
| Assets per employee ($millions) | 3.0149% | 6,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1569% | 1,951 |
| Loan loss allowance to noncurrent loans | 22.4925% | 6,718 |
| Noncurrent assets plus other real estate owned to assets | 11.7330% | 294 |
| Noncurrent loans to loans | 9.5895% | 454 |
| Net loans and leases to total assets | 67.5777% | 3,084 |
| Net loans and leases to deposits | 72.1812% | 4,488 |
| Net loans and leases to core deposits | 73.8138% | 4,997 |
| Total domestic deposits to total assets | 93.6222% | 104 |
| Equity capital to assets | 4.3431% | 7,489 |
| Core capital (leverage) ratio | 4.1319% | 7,488 |
| Tier 1 risk-based capital ratio | 5.5443% | 7,503 |
| Total risk-based capital ratio | 6.8021% | 7,509 |
| Memoranda: | ||
| Average total assets | $112,005,200 | 4,659 |
| Average earning assets | $98,390,400 | 4,759 |
| Average equity | $6,486,600 | 6,205 |
| Average total loans | $80,810,200 | 4,320 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1262% | 7,170 |
| Cost of funding earning assets | 0.5733% | 7,336 |
| Net interest margin | 3.5529% | 5,098 |
| Noninterest income to average assets | 1.1276% | 1,099 |
| Noninterest expense to average assets | 4.8720% | 417 |
| Loan and lease loss provision to assets | 3.6599% | 186 |
| Net operating income to assets | -4.2701% | 7,591 |
| Return on assets (ROA) | -4.2701% | 7,602 |
| Pretax return on assets | -4.2701% | 7,587 |
| Return on Equity (ROE) | -69.6859% | 7,635 |
| Retained earnings to average equity (ytd only) | -69.6859% | 7,634 |
| Net charge-offs to loans | 4.3980% | 243 |
| Credit loss provision to net charge-offs | 114.2073% | 3,665 |
| Earnings coverage of net charge-offs (x) | -0.1904% | 6,173 |
| Efficiency ratio | 114.3172% | 461 |
| Assets per employee ($millions) | 2.8932% | 6,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5511% | 1,269 |
| Loan loss allowance to noncurrent loans | 28.5777% | 6,413 |
| Noncurrent assets plus other real estate owned to assets | 9.9891% | 415 |
| Noncurrent loans to loans | 8.9268% | 543 |
| Net loans and leases to total assets | 67.9271% | 3,235 |
| Net loans and leases to deposits | 72.7277% | 4,732 |
| Net loans and leases to core deposits | 74.3067% | 5,257 |
| Total domestic deposits to total assets | 93.3991% | 81 |
| Equity capital to assets | 4.6207% | 7,606 |
| Core capital (leverage) ratio | 4.4118% | 7,596 |
| Tier 1 risk-based capital ratio | 5.7451% | 7,612 |
| Total risk-based capital ratio | 7.0069% | 7,615 |
| Memoranda: | ||
| Average total assets | $113,625,750 | 4,685 |
| Average earning assets | $100,235,000 | 4,774 |
| Average equity | $6,962,500 | 6,127 |
| Average total loans | $82,792,250 | 4,327 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0879% | 7,294 |
| Cost of funding earning assets | 0.5974% | 7,413 |
| Net interest margin | 3.4905% | 5,284 |
| Noninterest income to average assets | 1.0692% | 1,173 |
| Noninterest expense to average assets | 5.0168% | 372 |
| Loan and lease loss provision to assets | 2.6137% | 423 |
| Net operating income to assets | -3.4583% | 7,572 |
| Return on assets (ROA) | -3.4583% | 7,576 |
| Pretax return on assets | -3.4583% | 7,540 |
| Return on Equity (ROE) | -52.3320% | 7,621 |
| Retained earnings to average equity (ytd only) | -52.3320% | 7,617 |
| Net charge-offs to loans | 2.8428% | 574 |
| Credit loss provision to net charge-offs | 124.4610% | 3,251 |
| Earnings coverage of net charge-offs (x) | -0.4022% | 5,984 |
| Efficiency ratio | 120.2421% | 415 |
| Assets per employee ($millions) | 3.0311% | 6,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2754% | 1,628 |
| Loan loss allowance to noncurrent loans | 18.6132% | 7,006 |
| Noncurrent assets plus other real estate owned to assets | 10.3080% | 378 |
| Noncurrent loans to loans | 12.2249% | 272 |
| Net loans and leases to total assets | 69.4648% | 3,026 |
| Net loans and leases to deposits | 75.2676% | 4,470 |
| Net loans and leases to core deposits | 76.5949% | 5,125 |
| Total domestic deposits to total assets | 92.2905% | 176 |
| Equity capital to assets | 5.8594% | 7,558 |
| Core capital (leverage) ratio | 5.8041% | 7,510 |
| Tier 1 risk-based capital ratio | 7.2859% | 7,577 |
| Total risk-based capital ratio | 8.5459% | 7,583 |
| Memoranda: | ||
| Average total assets | $114,854,330 | 4,681 |
| Average earning assets | $102,105,000 | 4,744 |
| Average equity | $7,590,000 | 5,928 |
| Average total loans | $84,845,000 | 4,299 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2976% | 7,137 |
| Cost of funding earning assets | 0.6257% | 7,504 |
| Net interest margin | 3.6719% | 4,385 |
| Noninterest income to average assets | 0.9277% | 1,520 |
| Noninterest expense to average assets | 4.9734% | 370 |
| Loan and lease loss provision to assets | 4.5863% | 180 |
| Net operating income to assets | -5.3570% | 7,798 |
| Return on assets (ROA) | -5.3570% | 7,802 |
| Pretax return on assets | -5.3570% | 7,781 |
| Return on Equity (ROE) | -76.6993% | 7,785 |
| Retained earnings to average equity (ytd only) | -76.6993% | 7,780 |
| Net charge-offs to loans | 3.1507% | 475 |
| Credit loss provision to net charge-offs | 193.3824% | 1,914 |
| Earnings coverage of net charge-offs (x) | -0.3250% | 5,218 |
| Efficiency ratio | 118.3402% | 463 |
| Assets per employee ($millions) | 3.0117% | 6,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5851% | 1,195 |
| Loan loss allowance to noncurrent loans | 27.4188% | 6,572 |
| Noncurrent assets plus other real estate owned to assets | 8.6460% | 537 |
| Noncurrent loans to loans | 9.4280% | 477 |
| Net loans and leases to total assets | 72.5058% | 2,329 |
| Net loans and leases to deposits | 78.3717% | 3,968 |
| Net loans and leases to core deposits | 79.7517% | 4,789 |
| Total domestic deposits to total assets | 92.5152% | 167 |
| Equity capital to assets | 6.3165% | 7,570 |
| Core capital (leverage) ratio | 6.1205% | 7,561 |
| Tier 1 risk-based capital ratio | 7.3978% | 7,669 |
| Total risk-based capital ratio | 8.6596% | 7,673 |
| Memoranda: | ||
| Average total assets | $114,690,500 | 4,751 |
| Average earning assets | $102,290,500 | 4,805 |
| Average equity | $8,010,500 | 5,838 |
| Average total loans | $86,330,500 | 4,312 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0272% | 6,342 |
| Cost of funding earning assets | 0.8937% | 7,417 |
| Net interest margin | 4.1335% | 2,306 |
| Noninterest income to average assets | 1.0968% | 1,275 |
| Noninterest expense to average assets | 4.9257% | 551 |
| Loan and lease loss provision to assets | 1.3711% | 1,677 |
| Net operating income to assets | -1.4925% | 6,850 |
| Return on assets (ROA) | -1.4925% | 6,865 |
| Pretax return on assets | -1.4925% | 6,699 |
| Return on Equity (ROE) | -18.0957% | 7,083 |
| Retained earnings to average equity (ytd only) | -18.0957% | 7,039 |
| Net charge-offs to loans | 1.2865% | 1,933 |
| Credit loss provision to net charge-offs | 137.5953% | 3,576 |
| Earnings coverage of net charge-offs (x) | -0.1219% | 6,357 |
| Efficiency ratio | 102.5290% | 995 |
| Assets per employee ($millions) | 2.8734% | 6,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7913% | 2,574 |
| Loan loss allowance to noncurrent loans | 22.0456% | 6,959 |
| Noncurrent assets plus other real estate owned to assets | 7.8062% | 591 |
| Noncurrent loans to loans | 8.1254% | 610 |
| Net loans and leases to total assets | 74.7483% | 2,088 |
| Net loans and leases to deposits | 82.5030% | 3,546 |
| Net loans and leases to core deposits | 91.9228% | 4,897 |
| Total domestic deposits to total assets | 90.6008% | 696 |
| Equity capital to assets | 7.6495% | 6,900 |
| Core capital (leverage) ratio | 7.3847% | 6,906 |
| Tier 1 risk-based capital ratio | 9.5002% | 7,224 |
| Total risk-based capital ratio | 10.7554% | 7,198 |
| Memoranda: | ||
| Average total assets | $118,522,200 | 4,619 |
| Average earning assets | $106,302,000 | 4,673 |
| Average equity | $9,775,800 | 5,360 |
| Average total loans | $91,798,600 | 4,162 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0826% | 6,332 |
| Cost of funding earning assets | 0.9414% | 7,497 |
| Net interest margin | 4.1412% | 2,243 |
| Noninterest income to average assets | 1.1020% | 1,306 |
| Noninterest expense to average assets | 4.8668% | 538 |
| Loan and lease loss provision to assets | 0.9546% | 2,013 |
| Net operating income to assets | -1.0015% | 6,831 |
| Return on assets (ROA) | -1.0015% | 6,840 |
| Pretax return on assets | -1.0015% | 6,687 |
| Return on Equity (ROE) | -11.9337% | 7,015 |
| Retained earnings to average equity (ytd only) | -11.9337% | 6,939 |
| Net charge-offs to loans | 1.5604% | 1,312 |
| Credit loss provision to net charge-offs | 78.6569% | 5,795 |
| Earnings coverage of net charge-offs (x) | -0.0386% | 6,114 |
| Efficiency ratio | 100.9729% | 1,019 |
| Assets per employee ($millions) | 2.7758% | 6,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 6,261 |
| Loan loss allowance to noncurrent loans | 18.6910% | 7,160 |
| Noncurrent assets plus other real estate owned to assets | 5.8266% | 946 |
| Noncurrent loans to loans | 5.3730% | 1,184 |
| Net loans and leases to total assets | 77.1761% | 1,749 |
| Net loans and leases to deposits | 85.8219% | 3,349 |
| Net loans and leases to core deposits | 96.0574% | 4,808 |
| Total domestic deposits to total assets | 89.9258% | 795 |
| Equity capital to assets | 8.5048% | 6,247 |
| Core capital (leverage) ratio | 8.0294% | 6,308 |
| Tier 1 risk-based capital ratio | 10.8200% | 6,132 |
| Total risk-based capital ratio | 11.8259% | 6,347 |
| Memoranda: | ||
| Average total assets | $119,419,000 | 4,609 |
| Average earning assets | $107,213,500 | 4,673 |
| Average equity | $10,021,750 | 5,329 |
| Average total loans | $92,878,500 | 4,178 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1721% | 6,181 |
| Cost of funding earning assets | 0.9771% | 7,585 |
| Net interest margin | 4.1950% | 2,019 |
| Noninterest income to average assets | 1.0735% | 1,377 |
| Noninterest expense to average assets | 4.8660% | 568 |
| Loan and lease loss provision to assets | 0.9646% | 1,750 |
| Net operating income to assets | -0.9910% | 6,978 |
| Return on assets (ROA) | -0.9910% | 6,978 |
| Pretax return on assets | -0.9910% | 6,811 |
| Return on Equity (ROE) | -11.8587% | 7,164 |
| Retained earnings to average equity (ytd only) | -11.8587% | 7,047 |
| Net charge-offs to loans | 1.8374% | 1,030 |
| Credit loss provision to net charge-offs | 67.5520% | 5,463 |
| Earnings coverage of net charge-offs (x) | -0.0185% | 5,710 |
| Efficiency ratio | 100.5451% | 1,149 |
| Assets per employee ($millions) | 2.6659% | 6,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 6,702 |
| Loan loss allowance to noncurrent loans | 88.2600% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 2.3490% | 2,766 |
| Noncurrent loans to loans | 1.0374% | 5,144 |
| Net loans and leases to total assets | 75.9528% | 2,191 |
| Net loans and leases to deposits | 87.8955% | 3,192 |
| Net loans and leases to core deposits | 98.7568% | 4,623 |
| Total domestic deposits to total assets | 86.4126% | 2,559 |
| Equity capital to assets | 8.3150% | 6,309 |
| Core capital (leverage) ratio | 8.0646% | 6,225 |
| Tier 1 risk-based capital ratio | 10.5999% | 6,293 |
| Total risk-based capital ratio | 11.5033% | 6,575 |
| Memoranda: | ||
| Average total assets | $121,290,000 | 4,596 |
| Average earning assets | $108,891,670 | 4,661 |
| Average equity | $10,136,000 | 5,325 |
| Average total loans | $94,264,000 | 4,160 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0411% | 6,830 |
| Cost of funding earning assets | 1.0162% | 7,648 |
| Net interest margin | 4.0250% | 2,555 |
| Noninterest income to average assets | 0.8790% | 1,936 |
| Noninterest expense to average assets | 4.7625% | 570 |
| Loan and lease loss provision to assets | 0.0492% | 6,356 |
| Net operating income to assets | -0.2821% | 6,656 |
| Return on assets (ROA) | -0.2821% | 6,734 |
| Pretax return on assets | -0.2821% | 6,655 |
| Return on Equity (ROE) | -3.3671% | 6,820 |
| Retained earnings to average equity (ytd only) | -3.3671% | 6,340 |
| Net charge-offs to loans | -0.0126% | 7,326 |
| Credit loss provision to net charge-offs | -500.0000% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.1412% | 949 |
| Assets per employee ($millions) | 2.4519% | 7,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2045% | 4,775 |
| Loan loss allowance to noncurrent loans | 26.2661% | 6,821 |
| Noncurrent assets plus other real estate owned to assets | 3.9527% | 1,306 |
| Noncurrent loans to loans | 4.5859% | 1,240 |
| Net loans and leases to total assets | 77.8925% | 1,849 |
| Net loans and leases to deposits | 87.9541% | 3,299 |
| Net loans and leases to core deposits | 97.8605% | 4,760 |
| Total domestic deposits to total assets | 88.5605% | 1,451 |
| Equity capital to assets | 8.4365% | 6,171 |
| Core capital (leverage) ratio | 8.1322% | 6,224 |
| Tier 1 risk-based capital ratio | 11.0133% | 5,901 |
| Total risk-based capital ratio | 12.2643% | 5,794 |
| Memoranda: | ||
| Average total assets | $121,953,000 | 4,595 |
| Average earning assets | $110,610,000 | 4,624 |
| Average equity | $10,216,500 | 5,320 |
| Average total loans | $95,417,000 | 4,169 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8853% | 6,112 |
| Cost of funding earning assets | 1.5674% | 7,505 |
| Net interest margin | 4.3178% | 1,926 |
| Noninterest income to average assets | 1.0230% | 1,514 |
| Noninterest expense to average assets | 4.6781% | 778 |
| Loan and lease loss provision to assets | 0.4136% | 3,216 |
| Net operating income to assets | -0.1376% | 6,544 |
| Return on assets (ROA) | -0.1376% | 6,393 |
| Pretax return on assets | -0.1376% | 6,311 |
| Return on Equity (ROE) | -1.6294% | 6,453 |
| Retained earnings to average equity (ytd only) | -5.5191% | 6,587 |
| Net charge-offs to loans | 0.2581% | 3,694 |
| Credit loss provision to net charge-offs | 202.3346% | 2,400 |
| Earnings coverage of net charge-offs (x) | 1.3502% | 5,450 |
| Efficiency ratio | 94.4284% | 1,250 |
| Assets per employee ($millions) | 2.3800% | 7,433 |
| Cash dividends to net income (ytd only)* | -238.7283% | 8,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 4,790 |
| Loan loss allowance to noncurrent loans | 38.0807% | 6,175 |
| Noncurrent assets plus other real estate owned to assets | 3.6974% | 1,174 |
| Noncurrent loans to loans | 3.0684% | 1,740 |
| Net loans and leases to total assets | 76.7495% | 2,439 |
| Net loans and leases to deposits | 89.2533% | 3,587 |
| Net loans and leases to core deposits | 101.1716% | 4,705 |
| Total domestic deposits to total assets | 85.9907% | 2,409 |
| Equity capital to assets | 8.3201% | 6,390 |
| Core capital (leverage) ratio | 8.0241% | 6,449 |
| Tier 1 risk-based capital ratio | 10.7424% | 5,961 |
| Total risk-based capital ratio | 11.9333% | 5,926 |
| Memoranda: | ||
| Average total assets | $125,712,200 | 4,380 |
| Average earning assets | $114,455,200 | 4,400 |
| Average equity | $10,617,600 | 5,235 |
| Average total loans | $99,561,400 | 3,963 |