Home > Community Banks of Colorado > Performance and Condition Ratios
Community Banks of Colorado, 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 | 4.0840% | 6,445 |
| Cost of funding earning assets | 1.3884% | 1,280 |
| Net interest margin | 2.6957% | 6,993 |
| Noninterest income to average assets | -0.5044% | 7,352 |
| Noninterest expense to average assets | 3.1111% | 3,115 |
| Loan and lease loss provision to assets | 1.4154% | 508 |
| Net operating income to assets | -3.1497% | 7,285 |
| Return on assets (ROA) | -3.0965% | 7,283 |
| Pretax return on assets | -2.5966% | 7,229 |
| Return on Equity (ROE) | -127.3026% | 7,397 |
| Retained earnings to average equity (ytd only) | -127.3026% | 7,397 |
| Net charge-offs to loans | 4.2421% | 139 |
| Credit loss provision to net charge-offs | 43.8298% | 5,168 |
| Earnings coverage of net charge-offs (x) | -0.3823% | 5,793 |
| Efficiency ratio | 165.7765% | 99 |
| Assets per employee ($millions) | 4.6244% | 2,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7350% | 223 |
| Loan loss allowance to noncurrent loans | 36.7412% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 14.4373% | 145 |
| Noncurrent loans to loans | 12.8873% | 206 |
| Net loans and leases to total assets | 72.7590% | 1,555 |
| Net loans and leases to deposits | 75.1850% | 3,477 |
| Net loans and leases to core deposits | 81.5648% | 3,394 |
| Total domestic deposits to total assets | 96.7732% | 22 |
| Equity capital to assets | 1.7314% | 7,410 |
| Core capital (leverage) ratio | 1.6350% | 7,414 |
| Tier 1 risk-based capital ratio | 2.1201% | 7,413 |
| Total risk-based capital ratio | 3.4101% | 7,414 |
| Memoranda: | ||
| Average total assets | $1,423,250,000 | 473 |
| Average earning assets | $1,257,152,250 | 479 |
| Average equity | $34,619,000 | 1,943 |
| Average total loans | $1,083,455,000 | 392 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0980% | 6,494 |
| Cost of funding earning assets | 1.4305% | 1,278 |
| Net interest margin | 2.6675% | 7,061 |
| Noninterest income to average assets | -0.7694% | 7,457 |
| Noninterest expense to average assets | 3.0395% | 3,485 |
| Loan and lease loss provision to assets | 2.0547% | 295 |
| Net operating income to assets | -4.2322% | 7,406 |
| Return on assets (ROA) | -4.1550% | 7,406 |
| Pretax return on assets | -3.4267% | 7,355 |
| Return on Equity (ROE) | -157.6292% | 7,475 |
| Retained earnings to average equity (ytd only) | -157.6292% | 7,475 |
| Net charge-offs to loans | 5.3456% | 107 |
| Credit loss provision to net charge-offs | 50.5402% | 4,569 |
| Earnings coverage of net charge-offs (x) | -0.3565% | 5,477 |
| Efficiency ratio | 191.1322% | 69 |
| Assets per employee ($millions) | 4.9603% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9017% | 197 |
| Loan loss allowance to noncurrent loans | 43.3277% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 12.6408% | 225 |
| Noncurrent loans to loans | 11.3131% | 299 |
| Net loans and leases to total assets | 71.3573% | 1,914 |
| Net loans and leases to deposits | 74.1974% | 3,776 |
| Net loans and leases to core deposits | 82.9934% | 3,367 |
| Total domestic deposits to total assets | 96.1721% | 28 |
| Equity capital to assets | 1.7118% | 7,485 |
| Core capital (leverage) ratio | 1.6576% | 7,485 |
| Tier 1 risk-based capital ratio | 2.1589% | 7,486 |
| Total risk-based capital ratio | 3.4509% | 7,486 |
| Memoranda: | ||
| Average total assets | $1,470,678,670 | 461 |
| Average earning assets | $1,300,983,000 | 474 |
| Average equity | $38,765,670 | 1,728 |
| Average total loans | $1,118,493,330 | 391 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1437% | 6,409 |
| Cost of funding earning assets | 1.4643% | 1,317 |
| Net interest margin | 2.6794% | 7,034 |
| Noninterest income to average assets | -0.3693% | 7,474 |
| Noninterest expense to average assets | 3.2955% | 2,570 |
| Loan and lease loss provision to assets | 1.7172% | 343 |
| Net operating income to assets | -4.4186% | 7,465 |
| Return on assets (ROA) | -4.2960% | 7,461 |
| Pretax return on assets | -2.8815% | 7,366 |
| Return on Equity (ROE) | -140.4732% | 7,517 |
| Retained earnings to average equity (ytd only) | -140.4732% | 7,512 |
| Net charge-offs to loans | 6.8946% | 78 |
| Credit loss provision to net charge-offs | 32.5505% | 4,074 |
| Earnings coverage of net charge-offs (x) | -0.2439% | 4,716 |
| Efficiency ratio | 164.0668% | 110 |
| Assets per employee ($millions) | 5.1142% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6991% | 242 |
| Loan loss allowance to noncurrent loans | 37.5907% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 12.9843% | 215 |
| Noncurrent loans to loans | 12.5006% | 254 |
| Net loans and leases to total assets | 72.9143% | 1,536 |
| Net loans and leases to deposits | 76.0130% | 3,417 |
| Net loans and leases to core deposits | 85.0706% | 3,022 |
| Total domestic deposits to total assets | 95.9234% | 37 |
| Equity capital to assets | 2.6143% | 7,501 |
| Core capital (leverage) ratio | 2.4925% | 7,500 |
| Tier 1 risk-based capital ratio | 3.2845% | 7,510 |
| Total risk-based capital ratio | 4.5750% | 7,510 |
| Memoranda: | ||
| Average total assets | $1,514,052,000 | 451 |
| Average earning assets | $1,343,738,500 | 462 |
| Average equity | $46,303,500 | 1,450 |
| Average total loans | $1,158,521,500 | 380 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3329% | 6,727 |
| Cost of funding earning assets | 1.8447% | 1,013 |
| Net interest margin | 2.4882% | 7,279 |
| Noninterest income to average assets | 0.0510% | 7,099 |
| Noninterest expense to average assets | 2.5045% | 5,775 |
| Loan and lease loss provision to assets | 3.6918% | 194 |
| Net operating income to assets | -3.7938% | 7,414 |
| Return on assets (ROA) | -3.7387% | 7,423 |
| Pretax return on assets | -3.8614% | 7,417 |
| Return on Equity (ROE) | -70.6229% | 7,521 |
| Retained earnings to average equity (ytd only) | -70.6229% | 7,520 |
| Net charge-offs to loans | 3.1881% | 497 |
| Credit loss provision to net charge-offs | 154.2189% | 2,297 |
| Earnings coverage of net charge-offs (x) | -0.0946% | 6,217 |
| Efficiency ratio | 109.9151% | 537 |
| Assets per employee ($millions) | 5.5287% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4476% | 149 |
| Loan loss allowance to noncurrent loans | 40.3748% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 12.7240% | 243 |
| Noncurrent loans to loans | 13.4925% | 210 |
| Net loans and leases to total assets | 72.3569% | 2,017 |
| Net loans and leases to deposits | 76.0337% | 3,833 |
| Net loans and leases to core deposits | 86.5597% | 3,246 |
| Total domestic deposits to total assets | 95.1642% | 57 |
| Equity capital to assets | 3.4675% | 7,538 |
| Core capital (leverage) ratio | 2.9897% | 7,558 |
| Tier 1 risk-based capital ratio | 3.9836% | 7,566 |
| Total risk-based capital ratio | 5.2841% | 7,568 |
| Memoranda: | ||
| Average total assets | $1,720,906,600 | 394 |
| Average earning assets | $1,540,312,400 | 402 |
| Average equity | $91,102,200 | 735 |
| Average total loans | $1,292,188,200 | 356 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 6,861 |
| Cost of funding earning assets | 1.9141% | 987 |
| Net interest margin | 2.4557% | 7,400 |
| Noninterest income to average assets | 0.1327% | 6,895 |
| Noninterest expense to average assets | 2.3623% | 6,144 |
| Loan and lease loss provision to assets | 2.9236% | 309 |
| Net operating income to assets | -2.8789% | 7,428 |
| Return on assets (ROA) | -2.8069% | 7,428 |
| Pretax return on assets | -2.8842% | 7,393 |
| Return on Equity (ROE) | -49.2151% | 7,555 |
| Retained earnings to average equity (ytd only) | -49.2151% | 7,552 |
| Net charge-offs to loans | 2.0234% | 932 |
| Credit loss provision to net charge-offs | 193.2591% | 1,849 |
| Earnings coverage of net charge-offs (x) | -0.0230% | 6,050 |
| Efficiency ratio | 101.4702% | 702 |
| Assets per employee ($millions) | 5.6659% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8857% | 190 |
| Loan loss allowance to noncurrent loans | 39.8971% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 11.8367% | 281 |
| Noncurrent loans to loans | 12.2457% | 272 |
| Net loans and leases to total assets | 72.8909% | 2,035 |
| Net loans and leases to deposits | 78.2084% | 3,790 |
| Net loans and leases to core deposits | 84.4914% | 3,877 |
| Total domestic deposits to total assets | 93.2008% | 94 |
| Equity capital to assets | 4.9883% | 7,579 |
| Core capital (leverage) ratio | 4.8803% | 7,556 |
| Tier 1 risk-based capital ratio | 6.2534% | 7,592 |
| Total risk-based capital ratio | 7.5466% | 7,593 |
| Memoranda: | ||
| Average total assets | $1,757,213,500 | 388 |
| Average earning assets | $1,570,574,000 | 393 |
| Average equity | $100,218,750 | 665 |
| Average total loans | $1,313,785,250 | 349 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3898% | 6,919 |
| Cost of funding earning assets | 1.9798% | 955 |
| Net interest margin | 2.4100% | 7,468 |
| Noninterest income to average assets | 0.2620% | 6,039 |
| Noninterest expense to average assets | 2.3062% | 6,336 |
| Loan and lease loss provision to assets | 4.3017% | 162 |
| Net operating income to assets | -4.0707% | 7,631 |
| Return on assets (ROA) | -3.9648% | 7,623 |
| Pretax return on assets | -4.0788% | 7,610 |
| Return on Equity (ROE) | -66.9345% | 7,673 |
| Retained earnings to average equity (ytd only) | -66.9345% | 7,671 |
| Net charge-offs to loans | 2.8778% | 570 |
| Credit loss provision to net charge-offs | 201.4850% | 1,942 |
| Earnings coverage of net charge-offs (x) | 0.0533% | 5,665 |
| Efficiency ratio | 95.2713% | 996 |
| Assets per employee ($millions) | 5.7675% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8946% | 183 |
| Loan loss allowance to noncurrent loans | 46.4899% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 10.2719% | 382 |
| Noncurrent loans to loans | 10.5283% | 403 |
| Net loans and leases to total assets | 72.1622% | 2,356 |
| Net loans and leases to deposits | 77.4507% | 4,088 |
| Net loans and leases to core deposits | 83.5773% | 4,195 |
| Total domestic deposits to total assets | 93.1718% | 105 |
| Equity capital to assets | 4.9576% | 7,636 |
| Core capital (leverage) ratio | 4.7124% | 7,635 |
| Tier 1 risk-based capital ratio | 6.3227% | 7,644 |
| Total risk-based capital ratio | 7.6163% | 7,647 |
| Memoranda: | ||
| Average total assets | $1,791,469,330 | 383 |
| Average earning assets | $1,604,098,330 | 382 |
| Average equity | $106,115,670 | 621 |
| Average total loans | $1,329,085,330 | 351 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4059% | 6,990 |
| Cost of funding earning assets | 1.9978% | 1,092 |
| Net interest margin | 2.4081% | 7,529 |
| Noninterest income to average assets | 0.2143% | 6,429 |
| Noninterest expense to average assets | 2.3185% | 6,330 |
| Loan and lease loss provision to assets | 0.3257% | 3,455 |
| Net operating income to assets | -0.2432% | 6,598 |
| Return on assets (ROA) | -0.1615% | 6,572 |
| Pretax return on assets | -0.1748% | 6,533 |
| Return on Equity (ROE) | -2.5374% | 6,698 |
| Retained earnings to average equity (ytd only) | -2.5374% | 6,297 |
| Net charge-offs to loans | 0.5335% | 2,466 |
| Credit loss provision to net charge-offs | 83.1486% | 3,808 |
| Earnings coverage of net charge-offs (x) | 0.1585% | 4,890 |
| Efficiency ratio | 97.3641% | 948 |
| Assets per employee ($millions) | 5.9277% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2517% | 665 |
| Loan loss allowance to noncurrent loans | 38.2426% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 7.8714% | 631 |
| Noncurrent loans to loans | 8.5028% | 608 |
| Net loans and leases to total assets | 71.3092% | 2,616 |
| Net loans and leases to deposits | 77.9540% | 4,055 |
| Net loans and leases to core deposits | 84.2544% | 4,167 |
| Total domestic deposits to total assets | 91.4760% | 383 |
| Equity capital to assets | 6.5646% | 7,513 |
| Core capital (leverage) ratio | 6.3870% | 7,508 |
| Tier 1 risk-based capital ratio | 8.5243% | 7,557 |
| Total risk-based capital ratio | 9.7963% | 7,574 |
| Memoranda: | ||
| Average total assets | $1,842,264,000 | 390 |
| Average earning assets | $1,657,219,500 | 390 |
| Average equity | $117,285,000 | 572 |
| Average total loans | $1,352,521,500 | 363 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8538% | 6,831 |
| Cost of funding earning assets | 2.7226% | 553 |
| Net interest margin | 2.1312% | 7,686 |
| Noninterest income to average assets | 0.6389% | 3,363 |
| Noninterest expense to average assets | 2.6369% | 5,637 |
| Loan and lease loss provision to assets | 3.0571% | 562 |
| Net operating income to assets | -2.4339% | 7,246 |
| Return on assets (ROA) | -2.4057% | 7,241 |
| Pretax return on assets | -3.0772% | 7,314 |
| Return on Equity (ROE) | -32.5519% | 7,446 |
| Retained earnings to average equity (ytd only) | -32.5519% | 7,429 |
| Net charge-offs to loans | 2.9011% | 743 |
| Credit loss provision to net charge-offs | 131.5694% | 3,841 |
| Earnings coverage of net charge-offs (x) | -0.0242% | 6,234 |
| Efficiency ratio | 85.1566% | 2,203 |
| Assets per employee ($millions) | 5.6773% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9690% | 791 |
| Loan loss allowance to noncurrent loans | 35.9003% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 7.4467% | 651 |
| Noncurrent loans to loans | 8.2701% | 586 |
| Net loans and leases to total assets | 73.0513% | 2,498 |
| Net loans and leases to deposits | 79.6872% | 4,050 |
| Net loans and leases to core deposits | 117.9783% | 2,133 |
| Total domestic deposits to total assets | 91.6726% | 336 |
| Equity capital to assets | 6.3511% | 7,601 |
| Core capital (leverage) ratio | 6.1506% | 7,598 |
| Tier 1 risk-based capital ratio | 8.2027% | 7,622 |
| Total risk-based capital ratio | 9.4730% | 7,635 |
| Memoranda: | ||
| Average total assets | $1,782,715,200 | 398 |
| Average earning assets | $1,624,364,200 | 393 |
| Average equity | $131,749,800 | 511 |
| Average total loans | $1,427,842,800 | 352 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9147% | 6,849 |
| Cost of funding earning assets | 2.8144% | 576 |
| Net interest margin | 2.1003% | 7,767 |
| Noninterest income to average assets | 0.7118% | 2,938 |
| Noninterest expense to average assets | 2.8133% | 4,834 |
| Loan and lease loss provision to assets | 3.3841% | 403 |
| Net operating income to assets | -2.4317% | 7,453 |
| Return on assets (ROA) | -2.4733% | 7,460 |
| Pretax return on assets | -3.6321% | 7,628 |
| Return on Equity (ROE) | -32.3601% | 7,652 |
| Retained earnings to average equity (ytd only) | -32.3601% | 7,638 |
| Net charge-offs to loans | 1.7429% | 1,161 |
| Credit loss provision to net charge-offs | 238.9329% | 1,831 |
| Earnings coverage of net charge-offs (x) | -0.1319% | 6,223 |
| Efficiency ratio | 84.9408% | 2,193 |
| Assets per employee ($millions) | 5.8656% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8220% | 331 |
| Loan loss allowance to noncurrent loans | 51.7582% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 6.6840% | 743 |
| Noncurrent loans to loans | 7.3843% | 704 |
| Net loans and leases to total assets | 72.4342% | 2,928 |
| Net loans and leases to deposits | 79.2358% | 4,528 |
| Net loans and leases to core deposits | 117.6754% | 2,451 |
| Total domestic deposits to total assets | 91.4160% | 277 |
| Equity capital to assets | 6.6409% | 7,725 |
| Core capital (leverage) ratio | 6.1891% | 7,767 |
| Tier 1 risk-based capital ratio | 8.0453% | 7,787 |
| Total risk-based capital ratio | 9.3438% | 7,796 |
| Memoranda: | ||
| Average total assets | $1,792,658,250 | 410 |
| Average earning assets | $1,634,177,250 | 406 |
| Average equity | $137,013,250 | 498 |
| Average total loans | $1,456,753,000 | 362 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9569% | 6,903 |
| Cost of funding earning assets | 2.8990% | 609 |
| Net interest margin | 2.0578% | 7,828 |
| Noninterest income to average assets | 0.8625% | 2,135 |
| Noninterest expense to average assets | 2.4140% | 6,417 |
| Loan and lease loss provision to assets | 4.8204% | 223 |
| Net operating income to assets | -2.8032% | 7,633 |
| Return on assets (ROA) | -2.8944% | 7,649 |
| Pretax return on assets | -4.6359% | 7,822 |
| Return on Equity (ROE) | -36.2542% | 7,804 |
| Retained earnings to average equity (ytd only) | -36.2542% | 7,788 |
| Net charge-offs to loans | 1.5582% | 1,215 |
| Credit loss provision to net charge-offs | 371.4582% | 1,249 |
| Earnings coverage of net charge-offs (x) | 0.2520% | 5,421 |
| Efficiency ratio | 88.0169% | 2,015 |
| Assets per employee ($millions) | 5.6157% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9994% | 260 |
| Loan loss allowance to noncurrent loans | 46.9560% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 7.1170% | 586 |
| Noncurrent loans to loans | 8.5173% | 486 |
| Net loans and leases to total assets | 76.3082% | 2,109 |
| Net loans and leases to deposits | 85.5465% | 3,636 |
| Net loans and leases to core deposits | 127.4989% | 1,743 |
| Total domestic deposits to total assets | 89.2009% | 1,168 |
| Equity capital to assets | 7.0568% | 7,575 |
| Core capital (leverage) ratio | 6.6031% | 7,745 |
| Tier 1 risk-based capital ratio | 8.0371% | 7,910 |
| Total risk-based capital ratio | 9.3196% | 7,928 |
| Memoranda: | ||
| Average total assets | $1,784,094,330 | 418 |
| Average earning assets | $1,628,602,670 | 414 |
| Average equity | $142,433,000 | 491 |
| Average total loans | $1,485,855,000 | 365 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0837% | 6,694 |
| Cost of funding earning assets | 2.9114% | 747 |
| Net interest margin | 2.1723% | 7,817 |
| Noninterest income to average assets | 1.0189% | 1,430 |
| Noninterest expense to average assets | 2.3755% | 6,275 |
| Loan and lease loss provision to assets | 1.6903% | 735 |
| Net operating income to assets | -0.6352% | 6,999 |
| Return on assets (ROA) | -0.8037% | 7,164 |
| Pretax return on assets | -1.3223% | 7,310 |
| Return on Equity (ROE) | -9.5065% | 7,331 |
| Retained earnings to average equity (ytd only) | -9.5065% | 7,059 |
| Net charge-offs to loans | 1.3053% | 1,080 |
| Credit loss provision to net charge-offs | 151.9757% | 2,746 |
| Earnings coverage of net charge-offs (x) | 0.5676% | 4,539 |
| Efficiency ratio | 78.9596% | 3,011 |
| Assets per employee ($millions) | 4.9679% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8850% | 1,657 |
| Loan loss allowance to noncurrent loans | 27.7396% | 6,709 |
| Noncurrent assets plus other real estate owned to assets | 5.9508% | 676 |
| Noncurrent loans to loans | 6.7953% | 612 |
| Net loans and leases to total assets | 80.9913% | 1,203 |
| Net loans and leases to deposits | 91.7910% | 2,637 |
| Net loans and leases to core deposits | 135.7875% | 1,319 |
| Total domestic deposits to total assets | 88.2345% | 1,625 |
| Equity capital to assets | 8.0665% | 6,717 |
| Core capital (leverage) ratio | 7.8845% | 6,647 |
| Tier 1 risk-based capital ratio | 9.1072% | 7,730 |
| Total risk-based capital ratio | 10.3643% | 7,738 |
| Memoranda: | ||
| Average total assets | $1,774,819,000 | 420 |
| Average earning assets | $1,624,088,500 | 413 |
| Average equity | $150,045,000 | 466 |
| Average total loans | $1,512,346,500 | 361 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4837% | 3,041 |
| Cost of funding earning assets | 2.8854% | 2,327 |
| Net interest margin | 3.5983% | 4,898 |
| Noninterest income to average assets | 0.5928% | 3,894 |
| Noninterest expense to average assets | 2.3841% | 6,450 |
| Loan and lease loss provision to assets | 1.1881% | 1,214 |
| Net operating income to assets | 0.2023% | 5,841 |
| Return on assets (ROA) | 0.2042% | 5,653 |
| Pretax return on assets | 0.3009% | 5,510 |
| Return on Equity (ROE) | 2.1766% | 5,553 |
| Retained earnings to average equity (ytd only) | -4.7755% | 6,477 |
| Net charge-offs to loans | 0.4817% | 2,429 |
| Credit loss provision to net charge-offs | 275.1854% | 1,662 |
| Earnings coverage of net charge-offs (x) | 3.4425% | 4,368 |
| Efficiency ratio | 61.5594% | 6,039 |
| Assets per employee ($millions) | 4.6151% | 2,459 |
| Cash dividends to net income (ytd only)* | 319.3961% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7078% | 1,884 |
| Loan loss allowance to noncurrent loans | 45.8893% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 3.5369% | 1,256 |
| Noncurrent loans to loans | 3.7215% | 1,348 |
| Net loans and leases to total assets | 86.5370% | 535 |
| Net loans and leases to deposits | 99.0682% | 1,975 |
| Net loans and leases to core deposits | 143.5698% | 1,112 |
| Total domestic deposits to total assets | 87.3510% | 1,776 |
| Equity capital to assets | 8.8657% | 5,543 |
| Core capital (leverage) ratio | 8.5116% | 5,559 |
| Tier 1 risk-based capital ratio | 9.1841% | 7,634 |
| Total risk-based capital ratio | 10.4387% | 7,585 |
| Memoranda: | ||
| Average total assets | $1,686,682,800 | 423 |
| Average earning assets | $1,536,327,400 | 419 |
| Average equity | $158,225,200 | 447 |
| Average total loans | $1,511,594,800 | 347 |