Home > Community Bank of Rockmart > Performance and Condition Ratios
Community Bank of Rockmart, 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 | 5.0414% | 2,884 |
| Cost of funding earning assets | 1.8402% | 221 |
| Net interest margin | 3.2012% | 6,159 |
| Noninterest income to average assets | 0.4325% | 4,419 |
| Noninterest expense to average assets | 3.8047% | 1,297 |
| Loan and lease loss provision to assets | 0.7922% | 1,181 |
| Net operating income to assets | -1.2890% | 6,985 |
| Return on assets (ROA) | -0.2205% | 6,482 |
| Pretax return on assets | -0.2205% | 6,427 |
| Return on Equity (ROE) | -10.0682% | 6,891 |
| Retained earnings to average equity (ytd only) | -10.0682% | 6,856 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.0162% | 360 |
| Assets per employee ($millions) | 5.1986% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3615% | 630 |
| Loan loss allowance to noncurrent loans | 19.8755% | 6,678 |
| Noncurrent assets plus other real estate owned to assets | 15.1836% | 124 |
| Noncurrent loans to loans | 16.9127% | 93 |
| Net loans and leases to total assets | 63.2736% | 3,459 |
| Net loans and leases to deposits | 70.6042% | 4,199 |
| Net loans and leases to core deposits | 84.4104% | 3,002 |
| Total domestic deposits to total assets | 89.6174% | 1,085 |
| Equity capital to assets | 2.1865% | 7,390 |
| Core capital (leverage) ratio | 2.1943% | 7,386 |
| Tier 1 risk-based capital ratio | 3.2203% | 7,388 |
| Total risk-based capital ratio | 4.4952% | 7,389 |
| Memoranda: | ||
| Average total assets | $62,271,500 | 6,026 |
| Average earning assets | $55,935,750 | 6,033 |
| Average equity | $1,364,000 | 7,378 |
| Average total loans | $42,206,250 | 5,640 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1673% | 2,391 |
| Cost of funding earning assets | 1.8647% | 246 |
| Net interest margin | 3.3026% | 5,850 |
| Noninterest income to average assets | 0.4563% | 4,235 |
| Noninterest expense to average assets | 3.9849% | 1,073 |
| Loan and lease loss provision to assets | 1.1891% | 659 |
| Net operating income to assets | -1.7579% | 7,151 |
| Return on assets (ROA) | -1.5683% | 7,127 |
| Pretax return on assets | -1.5683% | 7,090 |
| Return on Equity (ROE) | -71.5543% | 7,406 |
| Retained earnings to average equity (ytd only) | -71.5543% | 7,403 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.6510% | 381 |
| Assets per employee ($millions) | 5.6240% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2845% | 713 |
| Loan loss allowance to noncurrent loans | 23.8203% | 6,584 |
| Noncurrent assets plus other real estate owned to assets | 13.4618% | 192 |
| Noncurrent loans to loans | 13.7885% | 170 |
| Net loans and leases to total assets | 65.3530% | 3,175 |
| Net loans and leases to deposits | 72.6727% | 4,009 |
| Net loans and leases to core deposits | 86.9631% | 2,766 |
| Total domestic deposits to total assets | 89.9279% | 1,009 |
| Equity capital to assets | 1.8476% | 7,482 |
| Core capital (leverage) ratio | 1.5662% | 7,487 |
| Tier 1 risk-based capital ratio | 2.3417% | 7,484 |
| Total risk-based capital ratio | 3.6170% | 7,485 |
| Memoranda: | ||
| Average total assets | $62,234,330 | 6,076 |
| Average earning assets | $55,773,670 | 6,089 |
| Average equity | $1,364,000 | 7,449 |
| Average total loans | $42,660,000 | 5,673 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2855% | 1,916 |
| Cost of funding earning assets | 1.9051% | 240 |
| Net interest margin | 3.3804% | 5,501 |
| Noninterest income to average assets | 0.3076% | 5,467 |
| Noninterest expense to average assets | 4.2166% | 804 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.8843% | 7,004 |
| Return on assets (ROA) | -0.7562% | 6,947 |
| Pretax return on assets | -0.7562% | 6,893 |
| Return on Equity (ROE) | -32.0109% | 7,335 |
| Retained earnings to average equity (ytd only) | -32.0109% | 7,310 |
| Net charge-offs to loans | -0.0557% | 6,916 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.5385% | 289 |
| Assets per employee ($millions) | 5.1739% | 1,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3617% | 1,658 |
| Loan loss allowance to noncurrent loans | 18.6990% | 6,807 |
| Noncurrent assets plus other real estate owned to assets | 13.0156% | 212 |
| Noncurrent loans to loans | 12.6302% | 247 |
| Net loans and leases to total assets | 67.1864% | 2,715 |
| Net loans and leases to deposits | 74.9201% | 3,609 |
| Net loans and leases to core deposits | 89.6324% | 2,388 |
| Total domestic deposits to total assets | 89.6774% | 1,374 |
| Equity capital to assets | 2.2565% | 7,517 |
| Core capital (leverage) ratio | 2.1596% | 7,521 |
| Tier 1 risk-based capital ratio | 3.1538% | 7,517 |
| Total risk-based capital ratio | 4.4167% | 7,517 |
| Memoranda: | ||
| Average total assets | $62,419,500 | 6,110 |
| Average earning assets | $55,851,000 | 6,134 |
| Average equity | $1,474,500 | 7,490 |
| Average total loans | $43,088,500 | 5,700 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2949% | 3,154 |
| Cost of funding earning assets | 2.1369% | 376 |
| Net interest margin | 3.1580% | 6,370 |
| Noninterest income to average assets | 0.3326% | 5,412 |
| Noninterest expense to average assets | 4.7843% | 506 |
| Loan and lease loss provision to assets | 1.4944% | 993 |
| Net operating income to assets | -3.0837% | 7,312 |
| Return on assets (ROA) | -3.0837% | 7,328 |
| Pretax return on assets | -3.0837% | 7,310 |
| Return on Equity (ROE) | -73.3410% | 7,529 |
| Retained earnings to average equity (ytd only) | -73.3410% | 7,528 |
| Net charge-offs to loans | 2.2206% | 875 |
| Credit loss provision to net charge-offs | 94.3916% | 4,922 |
| Earnings coverage of net charge-offs (x) | -1.0038% | 6,606 |
| Efficiency ratio | 149.7409% | 215 |
| Assets per employee ($millions) | 5.2293% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3082% | 1,681 |
| Loan loss allowance to noncurrent loans | 17.7805% | 6,889 |
| Noncurrent assets plus other real estate owned to assets | 14.4633% | 184 |
| Noncurrent loans to loans | 12.9815% | 237 |
| Net loans and leases to total assets | 67.6488% | 3,069 |
| Net loans and leases to deposits | 75.7026% | 3,885 |
| Net loans and leases to core deposits | 93.5559% | 2,316 |
| Total domestic deposits to total assets | 89.3613% | 1,457 |
| Equity capital to assets | 2.4669% | 7,589 |
| Core capital (leverage) ratio | 2.2536% | 7,596 |
| Tier 1 risk-based capital ratio | 3.3494% | 7,591 |
| Total risk-based capital ratio | 4.6069% | 7,590 |
| Memoranda: | ||
| Average total assets | $66,446,400 | 5,982 |
| Average earning assets | $60,228,000 | 5,989 |
| Average equity | $2,793,800 | 7,326 |
| Average total loans | $47,375,400 | 5,584 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2441% | 3,611 |
| Cost of funding earning assets | 2.1446% | 459 |
| Net interest margin | 3.0995% | 6,617 |
| Noninterest income to average assets | 0.3384% | 5,454 |
| Noninterest expense to average assets | 4.2530% | 775 |
| Loan and lease loss provision to assets | 1.9256% | 632 |
| Net operating income to assets | -3.0201% | 7,454 |
| Return on assets (ROA) | -3.0201% | 7,465 |
| Pretax return on assets | -3.0201% | 7,425 |
| Return on Equity (ROE) | -65.5219% | 7,621 |
| Retained earnings to average equity (ytd only) | -65.5219% | 7,620 |
| Net charge-offs to loans | 2.4871% | 684 |
| Credit loss provision to net charge-offs | 107.8714% | 3,951 |
| Earnings coverage of net charge-offs (x) | -0.6131% | 6,366 |
| Efficiency ratio | 134.6491% | 271 |
| Assets per employee ($millions) | 5.0500% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5040% | 1,320 |
| Loan loss allowance to noncurrent loans | 18.3511% | 6,965 |
| Noncurrent assets plus other real estate owned to assets | 14.1828% | 180 |
| Noncurrent loans to loans | 13.6448% | 200 |
| Net loans and leases to total assets | 67.1973% | 3,410 |
| Net loans and leases to deposits | 75.6261% | 4,242 |
| Net loans and leases to core deposits | 92.6124% | 2,709 |
| Total domestic deposits to total assets | 88.8545% | 1,478 |
| Equity capital to assets | 3.4379% | 7,672 |
| Core capital (leverage) ratio | 2.9872% | 7,681 |
| Tier 1 risk-based capital ratio | 4.3420% | 7,673 |
| Total risk-based capital ratio | 5.6073% | 7,677 |
| Memoranda: | ||
| Average total assets | $67,370,000 | 6,019 |
| Average earning assets | $61,298,750 | 6,016 |
| Average equity | $3,105,250 | 7,334 |
| Average total loans | $48,355,750 | 5,630 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3721% | 3,092 |
| Cost of funding earning assets | 2.1578% | 538 |
| Net interest margin | 3.2142% | 6,271 |
| Noninterest income to average assets | 0.3709% | 5,173 |
| Noninterest expense to average assets | 4.0946% | 927 |
| Loan and lease loss provision to assets | 0.3680% | 3,500 |
| Net operating income to assets | -1.1539% | 7,009 |
| Return on assets (ROA) | -1.1539% | 7,027 |
| Pretax return on assets | -1.1539% | 6,954 |
| Return on Equity (ROE) | -23.1405% | 7,339 |
| Retained earnings to average equity (ytd only) | -23.1405% | 7,325 |
| Net charge-offs to loans | 0.4940% | 3,061 |
| Credit loss provision to net charge-offs | 102.4590% | 3,981 |
| Earnings coverage of net charge-offs (x) | -2.1885% | 6,221 |
| Efficiency ratio | 123.7544% | 366 |
| Assets per employee ($millions) | 5.1465% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1997% | 1,754 |
| Loan loss allowance to noncurrent loans | 16.7769% | 7,079 |
| Noncurrent assets plus other real estate owned to assets | 11.8765% | 278 |
| Noncurrent loans to loans | 13.1114% | 228 |
| Net loans and leases to total assets | 70.7735% | 2,720 |
| Net loans and leases to deposits | 80.8493% | 3,460 |
| Net loans and leases to core deposits | 120.9322% | 667 |
| Total domestic deposits to total assets | 87.5376% | 2,239 |
| Equity capital to assets | 4.9742% | 7,635 |
| Core capital (leverage) ratio | 4.6712% | 7,638 |
| Tier 1 risk-based capital ratio | 6.6907% | 7,625 |
| Total risk-based capital ratio | 7.9313% | 7,629 |
| Memoranda: | ||
| Average total assets | $67,943,330 | 6,043 |
| Average earning assets | $62,099,000 | 6,018 |
| Average equity | $3,388,000 | 7,297 |
| Average total loans | $49,391,670 | 5,633 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3323% | 3,378 |
| Cost of funding earning assets | 2.2395% | 523 |
| Net interest margin | 3.0929% | 6,607 |
| Noninterest income to average assets | 0.3564% | 5,284 |
| Noninterest expense to average assets | 4.0431% | 971 |
| Loan and lease loss provision to assets | 0.3798% | 3,087 |
| Net operating income to assets | -1.2503% | 7,237 |
| Return on assets (ROA) | -1.2503% | 7,255 |
| Pretax return on assets | -1.2503% | 7,169 |
| Return on Equity (ROE) | -25.0439% | 7,501 |
| Retained earnings to average equity (ytd only) | -25.0439% | 7,461 |
| Net charge-offs to loans | 0.0962% | 4,455 |
| Credit loss provision to net charge-offs | 541.6667% | 785 |
| Earnings coverage of net charge-offs (x) | -12.4167% | 5,567 |
| Efficiency ratio | 127.4401% | 361 |
| Assets per employee ($millions) | 4.8911% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2624% | 1,638 |
| Loan loss allowance to noncurrent loans | 26.6110% | 6,626 |
| Noncurrent assets plus other real estate owned to assets | 8.8310% | 516 |
| Noncurrent loans to loans | 8.5017% | 609 |
| Net loans and leases to total assets | 70.3454% | 2,847 |
| Net loans and leases to deposits | 80.0841% | 3,643 |
| Net loans and leases to core deposits | 94.1260% | 2,826 |
| Total domestic deposits to total assets | 87.8394% | 2,148 |
| Equity capital to assets | 4.8266% | 7,736 |
| Core capital (leverage) ratio | 4.8559% | 7,714 |
| Tier 1 risk-based capital ratio | 6.7305% | 7,721 |
| Total risk-based capital ratio | 7.9744% | 7,724 |
| Memoranda: | ||
| Average total assets | $68,462,500 | 6,090 |
| Average earning assets | $62,336,500 | 6,071 |
| Average equity | $3,418,000 | 7,365 |
| Average total loans | $49,879,500 | 5,673 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9544% | 2,040 |
| Cost of funding earning assets | 3.0019% | 227 |
| Net interest margin | 2.9525% | 6,747 |
| Noninterest income to average assets | 0.7427% | 2,723 |
| Noninterest expense to average assets | 3.3343% | 2,893 |
| Loan and lease loss provision to assets | 3.1658% | 525 |
| Net operating income to assets | -3.0717% | 7,410 |
| Return on assets (ROA) | -3.0717% | 7,418 |
| Pretax return on assets | -3.0717% | 7,313 |
| Return on Equity (ROE) | -41.2955% | 7,589 |
| Retained earnings to average equity (ytd only) | -41.2955% | 7,575 |
| Net charge-offs to loans | 3.7452% | 492 |
| Credit loss provision to net charge-offs | 110.1074% | 4,998 |
| Earnings coverage of net charge-offs (x) | 0.0327% | 6,154 |
| Efficiency ratio | 97.2563% | 1,258 |
| Assets per employee ($millions) | 5.2654% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1040% | 1,817 |
| Loan loss allowance to noncurrent loans | 60.9644% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 5.5427% | 1,060 |
| Noncurrent loans to loans | 3.4512% | 2,202 |
| Net loans and leases to total assets | 72.1885% | 2,707 |
| Net loans and leases to deposits | 83.6091% | 3,347 |
| Net loans and leases to core deposits | 136.4209% | 938 |
| Total domestic deposits to total assets | 86.3404% | 2,847 |
| Equity capital to assets | 5.1585% | 7,774 |
| Core capital (leverage) ratio | 5.0623% | 7,765 |
| Tier 1 risk-based capital ratio | 7.1837% | 7,730 |
| Total risk-based capital ratio | 8.4454% | 7,734 |
| Memoranda: | ||
| Average total assets | $71,230,200 | 5,964 |
| Average earning assets | $64,792,800 | 5,964 |
| Average equity | $5,298,400 | 6,836 |
| Average total loans | $54,683,800 | 5,473 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0261% | 1,930 |
| Cost of funding earning assets | 3.1078% | 240 |
| Net interest margin | 2.9183% | 6,810 |
| Noninterest income to average assets | 0.7711% | 2,593 |
| Noninterest expense to average assets | 3.0160% | 3,982 |
| Loan and lease loss provision to assets | 0.8064% | 2,351 |
| Net operating income to assets | -0.3967% | 6,318 |
| Return on assets (ROA) | -0.3967% | 6,315 |
| Pretax return on assets | -0.3967% | 6,195 |
| Return on Equity (ROE) | -4.9707% | 6,448 |
| Retained earnings to average equity (ytd only) | -4.9707% | 6,252 |
| Net charge-offs to loans | 0.9353% | 2,098 |
| Credit loss provision to net charge-offs | 111.2532% | 4,570 |
| Earnings coverage of net charge-offs (x) | 0.5652% | 5,468 |
| Efficiency ratio | 88.0411% | 1,869 |
| Assets per employee ($millions) | 4.7435% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7043% | 2,612 |
| Loan loss allowance to noncurrent loans | 39.4298% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 6.3005% | 821 |
| Noncurrent loans to loans | 4.3224% | 1,652 |
| Net loans and leases to total assets | 72.8711% | 2,830 |
| Net loans and leases to deposits | 87.8233% | 2,999 |
| Net loans and leases to core deposits | 147.7840% | 632 |
| Total domestic deposits to total assets | 82.9747% | 4,233 |
| Equity capital to assets | 7.9125% | 6,930 |
| Core capital (leverage) ratio | 7.6621% | 6,781 |
| Tier 1 risk-based capital ratio | 10.5900% | 6,358 |
| Total risk-based capital ratio | 11.8426% | 6,326 |
| Memoranda: | ||
| Average total assets | $71,925,250 | 5,982 |
| Average earning assets | $65,425,250 | 5,981 |
| Average equity | $5,740,250 | 6,761 |
| Average total loans | $55,736,000 | 5,466 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1074% | 1,768 |
| Cost of funding earning assets | 3.2017% | 265 |
| Net interest margin | 2.9057% | 6,793 |
| Noninterest income to average assets | 0.8562% | 2,158 |
| Noninterest expense to average assets | 2.9592% | 4,256 |
| Loan and lease loss provision to assets | 1.0390% | 1,635 |
| Net operating income to assets | -0.5043% | 6,550 |
| Return on assets (ROA) | -0.5043% | 6,565 |
| Pretax return on assets | -0.5043% | 6,428 |
| Return on Equity (ROE) | -6.3008% | 6,744 |
| Retained earnings to average equity (ytd only) | -6.3008% | 6,491 |
| Net charge-offs to loans | 1.0717% | 1,684 |
| Credit loss provision to net charge-offs | 123.3553% | 3,769 |
| Earnings coverage of net charge-offs (x) | 0.6349% | 5,067 |
| Efficiency ratio | 84.6947% | 2,397 |
| Assets per employee ($millions) | 4.2435% | 3,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 2,369 |
| Loan loss allowance to noncurrent loans | 39.8794% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 6.4084% | 721 |
| Noncurrent loans to loans | 4.2527% | 1,553 |
| Net loans and leases to total assets | 74.4039% | 2,593 |
| Net loans and leases to deposits | 88.2450% | 3,133 |
| Net loans and leases to core deposits | 155.8915% | 525 |
| Total domestic deposits to total assets | 84.3152% | 3,588 |
| Equity capital to assets | 7.6088% | 7,169 |
| Core capital (leverage) ratio | 7.6169% | 6,875 |
| Tier 1 risk-based capital ratio | 10.3087% | 6,587 |
| Total risk-based capital ratio | 11.5637% | 6,518 |
| Memoranda: | ||
| Average total assets | $72,182,670 | 6,026 |
| Average earning assets | $65,527,330 | 6,024 |
| Average equity | $5,777,000 | 6,802 |
| Average total loans | $56,731,670 | 5,480 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1650% | 1,709 |
| Cost of funding earning assets | 3.2799% | 281 |
| Net interest margin | 2.8851% | 6,783 |
| Noninterest income to average assets | 0.3823% | 5,364 |
| Noninterest expense to average assets | 2.9417% | 4,007 |
| Loan and lease loss provision to assets | 0.3767% | 3,063 |
| Net operating income to assets | -0.3047% | 6,686 |
| Return on assets (ROA) | 0.0277% | 6,344 |
| Pretax return on assets | 0.0277% | 6,327 |
| Return on Equity (ROE) | 0.3378% | 6,327 |
| Retained earnings to average equity (ytd only) | 0.3378% | 5,524 |
| Net charge-offs to loans | 0.6852% | 1,814 |
| Credit loss provision to net charge-offs | 68.6869% | 4,379 |
| Earnings coverage of net charge-offs (x) | 0.1313% | 4,868 |
| Efficiency ratio | 97.6103% | 1,233 |
| Assets per employee ($millions) | 4.2613% | 3,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 3,242 |
| Loan loss allowance to noncurrent loans | 32.0872% | 6,407 |
| Noncurrent assets plus other real estate owned to assets | 6.4010% | 591 |
| Noncurrent loans to loans | 4.5145% | 1,268 |
| Net loans and leases to total assets | 77.3860% | 1,955 |
| Net loans and leases to deposits | 92.3300% | 2,538 |
| Net loans and leases to core deposits | 168.8809% | 364 |
| Total domestic deposits to total assets | 83.8146% | 3,793 |
| Equity capital to assets | 8.1831% | 6,557 |
| Core capital (leverage) ratio | 7.8155% | 6,728 |
| Tier 1 risk-based capital ratio | 10.3139% | 6,581 |
| Total risk-based capital ratio | 11.5642% | 6,504 |
| Memoranda: | ||
| Average total assets | $72,204,000 | 6,057 |
| Average earning assets | $65,855,500 | 6,043 |
| Average equity | $5,921,000 | 6,803 |
| Average total loans | $57,797,000 | 5,462 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9569% | 1,245 |
| Cost of funding earning assets | 3.6982% | 269 |
| Net interest margin | 3.2587% | 6,185 |
| Noninterest income to average assets | 0.4613% | 4,956 |
| Noninterest expense to average assets | 3.3568% | 2,803 |
| Loan and lease loss provision to assets | 1.1600% | 1,250 |
| Net operating income to assets | -1.0413% | 7,270 |
| Return on assets (ROA) | -1.0413% | 7,194 |
| Pretax return on assets | -1.0413% | 7,023 |
| Return on Equity (ROE) | -11.2194% | 7,362 |
| Retained earnings to average equity (ytd only) | -11.2194% | 7,175 |
| Net charge-offs to loans | 0.8262% | 1,514 |
| Credit loss provision to net charge-offs | 174.3707% | 2,917 |
| Earnings coverage of net charge-offs (x) | 0.1785% | 6,138 |
| Efficiency ratio | 96.5834% | 1,120 |
| Assets per employee ($millions) | 3.9981% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4580% | 2,882 |
| Loan loss allowance to noncurrent loans | 25.9866% | 6,939 |
| Noncurrent assets plus other real estate owned to assets | 5.8278% | 526 |
| Noncurrent loans to loans | 5.6106% | 701 |
| Net loans and leases to total assets | 80.3907% | 1,571 |
| Net loans and leases to deposits | 100.7980% | 1,739 |
| Net loans and leases to core deposits | 193.6147% | 193 |
| Total domestic deposits to total assets | 79.7543% | 5,110 |
| Equity capital to assets | 8.2178% | 6,528 |
| Core capital (leverage) ratio | 8.0010% | 6,489 |
| Tier 1 risk-based capital ratio | 9.7544% | 7,012 |
| Total risk-based capital ratio | 11.0080% | 6,907 |
| Memoranda: | ||
| Average total assets | $65,688,200 | 6,172 |
| Average earning assets | $60,759,600 | 6,142 |
| Average equity | $6,096,600 | 6,771 |
| Average total loans | $52,889,800 | 5,588 |