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Colonial Bank, Performance and Condition Ratios
| 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 | 4.9141% | 6,996 |
| Cost of funding earning assets | 2.7386% | 937 |
| Net interest margin | 2.1755% | 7,766 |
| Noninterest income to average assets | 0.4627% | 4,761 |
| Noninterest expense to average assets | 3.2921% | 2,988 |
| Loan and lease loss provision to assets | 3.9931% | 310 |
| Net operating income to assets | -5.6275% | 7,984 |
| Return on assets (ROA) | -5.6955% | 7,977 |
| Pretax return on assets | -4.9673% | 7,852 |
| Return on Equity (ROE) | -115.1446% | 8,096 |
| Retained earnings to average equity (ytd only) | -115.1446% | 8,095 |
| Net charge-offs to loans | 4.0772% | 344 |
| Credit loss provision to net charge-offs | 151.3936% | 3,040 |
| Earnings coverage of net charge-offs (x) | -0.3436% | 5,988 |
| Efficiency ratio | 101.6879% | 1,102 |
| Assets per employee ($millions) | 5.3828% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9591% | 589 |
| Loan loss allowance to noncurrent loans | 32.7540% | 6,277 |
| Noncurrent assets plus other real estate owned to assets | 6.6106% | 680 |
| Noncurrent loans to loans | 9.0342% | 436 |
| Net loans and leases to total assets | 63.7721% | 5,032 |
| Net loans and leases to deposits | 80.8747% | 4,410 |
| Net loans and leases to core deposits | 102.3281% | 4,260 |
| Total domestic deposits to total assets | 78.6484% | 5,915 |
| Equity capital to assets | 3.5926% | 8,107 |
| Core capital (leverage) ratio | 4.1775% | 8,081 |
| Tier 1 risk-based capital ratio | 6.4643% | 8,034 |
| Total risk-based capital ratio | 9.2096% | 7,936 |
| Memoranda: | ||
| Average total assets | $25,819,762,670 | 58 |
| Average earning assets | $22,826,601,000 | 59 |
| Average equity | $1,277,148,670 | 102 |
| Average total loans | $16,702,892,330 | 53 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9647% | 7,026 |
| Cost of funding earning assets | 2.7971% | 990 |
| Net interest margin | 2.1676% | 7,819 |
| Noninterest income to average assets | 0.7056% | 2,856 |
| Noninterest expense to average assets | 2.6008% | 5,444 |
| Loan and lease loss provision to assets | 3.9434% | 242 |
| Net operating income to assets | -2.4645% | 7,758 |
| Return on assets (ROA) | -2.5548% | 7,777 |
| Pretax return on assets | -4.0303% | 7,908 |
| Return on Equity (ROE) | -45.5484% | 8,026 |
| Retained earnings to average equity (ytd only) | -45.5484% | 8,010 |
| Net charge-offs to loans | 3.1477% | 406 |
| Credit loss provision to net charge-offs | 195.1736% | 2,264 |
| Earnings coverage of net charge-offs (x) | 0.0040% | 4,971 |
| Efficiency ratio | 80.4523% | 2,753 |
| Assets per employee ($millions) | 5.4859% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6362% | 660 |
| Loan loss allowance to noncurrent loans | 48.5466% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 4.1692% | 1,210 |
| Noncurrent loans to loans | 5.4303% | 961 |
| Net loans and leases to total assets | 62.3358% | 5,264 |
| Net loans and leases to deposits | 80.7532% | 4,496 |
| Net loans and leases to core deposits | 102.0430% | 4,343 |
| Total domestic deposits to total assets | 76.8907% | 6,306 |
| Equity capital to assets | 5.6016% | 8,059 |
| Core capital (leverage) ratio | 5.5373% | 8,077 |
| Tier 1 risk-based capital ratio | 8.0167% | 8,008 |
| Total risk-based capital ratio | 10.7783% | 7,345 |
| Memoranda: | ||
| Average total assets | $26,002,088,000 | 59 |
| Average earning assets | $22,830,383,000 | 59 |
| Average equity | $1,458,474,500 | 88 |
| Average total loans | $16,690,211,000 | 56 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0531% | 5,282 |
| Cost of funding earning assets | 3.0675% | 1,610 |
| Net interest margin | 2.9856% | 6,950 |
| Noninterest income to average assets | 0.6843% | 3,216 |
| Noninterest expense to average assets | 4.6649% | 788 |
| Loan and lease loss provision to assets | 2.7613% | 350 |
| Net operating income to assets | -3.2559% | 7,879 |
| Return on assets (ROA) | -3.2383% | 7,855 |
| Pretax return on assets | -4.1128% | 7,910 |
| Return on Equity (ROE) | -38.7248% | 8,066 |
| Retained earnings to average equity (ytd only) | -41.3703% | 8,061 |
| Net charge-offs to loans | 3.6636% | 210 |
| Credit loss provision to net charge-offs | 112.6255% | 4,788 |
| Earnings coverage of net charge-offs (x) | -0.5603% | 6,499 |
| Efficiency ratio | 73.1757% | 3,714 |
| Assets per employee ($millions) | 5.3358% | 1,598 |
| Cash dividends to net income (ytd only)* | -6.8315% | 7,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9394% | 1,336 |
| Loan loss allowance to noncurrent loans | 51.8780% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 2.9045% | 1,599 |
| Noncurrent loans to loans | 3.7383% | 1,341 |
| Net loans and leases to total assets | 63.1089% | 5,434 |
| Net loans and leases to deposits | 86.1630% | 4,098 |
| Net loans and leases to core deposits | 112.4862% | 3,513 |
| Total domestic deposits to total assets | 72.3967% | 6,928 |
| Equity capital to assets | 5.6167% | 8,120 |
| Core capital (leverage) ratio | 6.0268% | 8,070 |
| Tier 1 risk-based capital ratio | 8.5380% | 7,981 |
| Total risk-based capital ratio | 11.3709% | 6,467 |
| Memoranda: | ||
| Average total assets | $26,217,505,400 | 57 |
| Average earning assets | $22,890,869,200 | 60 |
| Average equity | $2,192,415,200 | 60 |
| Average total loans | $17,545,381,000 | 53 |