Home > Community Capital Bank > Performance and Condition Ratios
Community Capital Bank, 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 | 4.8893% | 3,611 |
| Cost of funding earning assets | 1.8877% | 185 |
| Net interest margin | 3.0017% | 6,578 |
| Noninterest income to average assets | 0.9964% | 1,352 |
| Noninterest expense to average assets | 5.1678% | 322 |
| Loan and lease loss provision to assets | 0.2889% | 3,201 |
| Net operating income to assets | -1.9125% | 7,123 |
| Return on assets (ROA) | -1.8933% | 7,131 |
| Pretax return on assets | -1.8933% | 7,102 |
| Return on Equity (ROE) | -93.3756% | 7,373 |
| Retained earnings to average equity (ytd only) | -93.3756% | 7,373 |
| Net charge-offs to loans | 0.7882% | 1,982 |
| Credit loss provision to net charge-offs | 48.2759% | 5,070 |
| Earnings coverage of net charge-offs (x) | -2.7131% | 6,053 |
| Efficiency ratio | 145.8099% | 157 |
| Assets per employee ($millions) | 5.1653% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8680% | 2,720 |
| Loan loss allowance to noncurrent loans | 11.9356% | 6,869 |
| Noncurrent assets plus other real estate owned to assets | 19.2551% | 66 |
| Noncurrent loans to loans | 15.6509% | 125 |
| Net loans and leases to total assets | 74.6871% | 1,198 |
| Net loans and leases to deposits | 78.2286% | 2,936 |
| Net loans and leases to core deposits | 81.3521% | 3,431 |
| Total domestic deposits to total assets | 95.4728% | 44 |
| Equity capital to assets | 1.1440% | 7,416 |
| Core capital (leverage) ratio | 1.0510% | 7,419 |
| Tier 1 risk-based capital ratio | 1.4613% | 7,419 |
| Total risk-based capital ratio | 2.7189% | 7,420 |
| Memoranda: | ||
| Average total assets | $180,910,250 | 3,331 |
| Average earning assets | $153,555,250 | 3,540 |
| Average equity | $3,668,250 | 6,893 |
| Average total loans | $137,359,000 | 2,873 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4007% | 5,691 |
| Cost of funding earning assets | 1.9133% | 192 |
| Net interest margin | 2.4874% | 7,195 |
| Noninterest income to average assets | 1.6635% | 484 |
| Noninterest expense to average assets | 4.8937% | 401 |
| Loan and lease loss provision to assets | 0.2042% | 3,884 |
| Net operating income to assets | -1.3346% | 7,048 |
| Return on assets (ROA) | -1.3067% | 7,045 |
| Pretax return on assets | -1.3067% | 6,995 |
| Return on Equity (ROE) | -57.0802% | 7,362 |
| Retained earnings to average equity (ytd only) | -57.0802% | 7,359 |
| Net charge-offs to loans | 0.7492% | 1,997 |
| Credit loss provision to net charge-offs | 35.9168% | 4,892 |
| Earnings coverage of net charge-offs (x) | -1.9887% | 5,712 |
| Efficiency ratio | 130.0400% | 256 |
| Assets per employee ($millions) | 5.1779% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7934% | 3,019 |
| Loan loss allowance to noncurrent loans | 12.2020% | 6,917 |
| Noncurrent assets plus other real estate owned to assets | 17.3882% | 96 |
| Noncurrent loans to loans | 14.6972% | 146 |
| Net loans and leases to total assets | 73.4580% | 1,508 |
| Net loans and leases to deposits | 80.0858% | 2,776 |
| Net loans and leases to core deposits | 83.3646% | 3,315 |
| Total domestic deposits to total assets | 91.7241% | 295 |
| Equity capital to assets | 1.7900% | 7,483 |
| Core capital (leverage) ratio | 1.7329% | 7,480 |
| Tier 1 risk-based capital ratio | 2.3793% | 7,481 |
| Total risk-based capital ratio | 3.6338% | 7,483 |
| Memoranda: | ||
| Average total assets | $186,116,670 | 3,284 |
| Average earning assets | $157,113,000 | 3,501 |
| Average equity | $4,260,670 | 6,757 |
| Average total loans | $141,211,670 | 2,823 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4375% | 5,566 |
| Cost of funding earning assets | 1.9494% | 206 |
| Net interest margin | 2.4881% | 7,205 |
| Noninterest income to average assets | 2.1977% | 322 |
| Noninterest expense to average assets | 4.5014% | 589 |
| Loan and lease loss provision to assets | -0.2185% | 7,512 |
| Net operating income to assets | -0.0276% | 6,387 |
| Return on assets (ROA) | -0.0276% | 6,409 |
| Pretax return on assets | -0.0276% | 6,385 |
| Return on Equity (ROE) | -1.0904% | 6,495 |
| Retained earnings to average equity (ytd only) | -1.0904% | 6,004 |
| Net charge-offs to loans | -0.2416% | 7,297 |
| Credit loss provision to net charge-offs | 118.3908% | 2,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7827% | 580 |
| Assets per employee ($millions) | 2.5712% | 6,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9520% | 2,537 |
| Loan loss allowance to noncurrent loans | 14.2709% | 6,937 |
| Noncurrent assets plus other real estate owned to assets | 16.7186% | 109 |
| Noncurrent loans to loans | 13.6783% | 198 |
| Net loans and leases to total assets | 74.7238% | 1,234 |
| Net loans and leases to deposits | 81.9297% | 2,377 |
| Net loans and leases to core deposits | 86.4769% | 2,808 |
| Total domestic deposits to total assets | 91.2048% | 528 |
| Equity capital to assets | 2.4438% | 7,506 |
| Core capital (leverage) ratio | 2.3135% | 7,512 |
| Tier 1 risk-based capital ratio | 3.1763% | 7,513 |
| Total risk-based capital ratio | 4.4353% | 7,516 |
| Memoranda: | ||
| Average total assets | $188,562,000 | 3,259 |
| Average earning assets | $155,944,500 | 3,544 |
| Average equity | $4,769,000 | 6,626 |
| Average total loans | $144,039,500 | 2,804 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1909% | 3,652 |
| Cost of funding earning assets | 2.4046% | 151 |
| Net interest margin | 2.7862% | 7,046 |
| Noninterest income to average assets | 2.0994% | 366 |
| Noninterest expense to average assets | 5.8375% | 249 |
| Loan and lease loss provision to assets | 3.2474% | 262 |
| Net operating income to assets | -4.8470% | 7,524 |
| Return on assets (ROA) | -4.8077% | 7,529 |
| Pretax return on assets | -4.8077% | 7,527 |
| Return on Equity (ROE) | -84.6553% | 7,564 |
| Retained earnings to average equity (ytd only) | -84.6553% | 7,561 |
| Net charge-offs to loans | 4.1854% | 286 |
| Credit loss provision to net charge-offs | 104.0813% | 4,318 |
| Earnings coverage of net charge-offs (x) | -0.5127% | 6,464 |
| Efficiency ratio | 137.7435% | 269 |
| Assets per employee ($millions) | 2.1333% | 7,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8844% | 2,606 |
| Loan loss allowance to noncurrent loans | 15.6329% | 6,965 |
| Noncurrent assets plus other real estate owned to assets | 15.0036% | 164 |
| Noncurrent loans to loans | 12.0542% | 289 |
| Net loans and leases to total assets | 75.1163% | 1,453 |
| Net loans and leases to deposits | 83.5345% | 2,522 |
| Net loans and leases to core deposits | 90.4169% | 2,707 |
| Total domestic deposits to total assets | 89.9224% | 1,146 |
| Equity capital to assets | 2.6114% | 7,581 |
| Core capital (leverage) ratio | 2.1574% | 7,603 |
| Tier 1 risk-based capital ratio | 3.1112% | 7,601 |
| Total risk-based capital ratio | 4.3686% | 7,601 |
| Memoranda: | ||
| Average total assets | $198,679,400 | 3,118 |
| Average earning assets | $152,499,000 | 3,596 |
| Average equity | $11,283,400 | 4,797 |
| Average total loans | $148,111,800 | 2,808 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1696% | 3,989 |
| Cost of funding earning assets | 2.4653% | 160 |
| Net interest margin | 2.7043% | 7,227 |
| Noninterest income to average assets | 2.0191% | 368 |
| Noninterest expense to average assets | 5.7425% | 242 |
| Loan and lease loss provision to assets | 1.2485% | 1,126 |
| Net operating income to assets | -2.8935% | 7,430 |
| Return on assets (ROA) | -2.8416% | 7,434 |
| Pretax return on assets | -2.8416% | 7,384 |
| Return on Equity (ROE) | -44.3024% | 7,522 |
| Retained earnings to average equity (ytd only) | -44.3024% | 7,519 |
| Net charge-offs to loans | 1.5634% | 1,279 |
| Credit loss provision to net charge-offs | 107.8161% | 3,953 |
| Earnings coverage of net charge-offs (x) | -1.4207% | 6,496 |
| Efficiency ratio | 140.1494% | 247 |
| Assets per employee ($millions) | 2.5095% | 7,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7481% | 3,001 |
| Loan loss allowance to noncurrent loans | 16.2601% | 7,039 |
| Noncurrent assets plus other real estate owned to assets | 13.7832% | 199 |
| Noncurrent loans to loans | 10.7510% | 364 |
| Net loans and leases to total assets | 75.2139% | 1,547 |
| Net loans and leases to deposits | 91.0729% | 1,567 |
| Net loans and leases to core deposits | 102.8316% | 1,575 |
| Total domestic deposits to total assets | 82.5865% | 4,758 |
| Equity capital to assets | 5.1794% | 7,562 |
| Core capital (leverage) ratio | 4.7635% | 7,571 |
| Tier 1 risk-based capital ratio | 6.5285% | 7,580 |
| Total risk-based capital ratio | 7.7852% | 7,584 |
| Memoranda: | ||
| Average total assets | $200,349,000 | 3,131 |
| Average earning assets | $153,972,750 | 3,624 |
| Average equity | $12,850,750 | 4,468 |
| Average total loans | $148,391,250 | 2,836 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1739% | 4,074 |
| Cost of funding earning assets | 2.5559% | 145 |
| Net interest margin | 2.6180% | 7,336 |
| Noninterest income to average assets | 1.6304% | 488 |
| Noninterest expense to average assets | 6.0861% | 217 |
| Loan and lease loss provision to assets | 0.3054% | 3,945 |
| Net operating income to assets | -2.7486% | 7,467 |
| Return on assets (ROA) | -2.6710% | 7,465 |
| Pretax return on assets | -2.6710% | 7,410 |
| Return on Equity (ROE) | -39.1637% | 7,526 |
| Retained earnings to average equity (ytd only) | -39.1637% | 7,518 |
| Net charge-offs to loans | 1.5591% | 1,220 |
| Credit loss provision to net charge-offs | 26.7422% | 5,780 |
| Earnings coverage of net charge-offs (x) | -2.1394% | 6,217 |
| Efficiency ratio | 167.0672% | 157 |
| Assets per employee ($millions) | 2.3668% | 7,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 6,166 |
| Loan loss allowance to noncurrent loans | 11.1015% | 7,235 |
| Noncurrent assets plus other real estate owned to assets | 11.9319% | 273 |
| Noncurrent loans to loans | 9.4929% | 483 |
| Net loans and leases to total assets | 79.1491% | 928 |
| Net loans and leases to deposits | 96.9843% | 958 |
| Net loans and leases to core deposits | 116.8358% | 817 |
| Total domestic deposits to total assets | 81.6103% | 5,146 |
| Equity capital to assets | 6.0580% | 7,530 |
| Core capital (leverage) ratio | 5.5765% | 7,541 |
| Tier 1 risk-based capital ratio | 7.3813% | 7,569 |
| Total risk-based capital ratio | 8.4789% | 7,589 |
| Memoranda: | ||
| Average total assets | $201,049,330 | 3,153 |
| Average earning assets | $154,544,330 | 3,627 |
| Average equity | $13,711,670 | 4,265 |
| Average total loans | $147,267,330 | 2,879 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6324% | 6,461 |
| Cost of funding earning assets | 2.7424% | 106 |
| Net interest margin | 1.8900% | 7,758 |
| Noninterest income to average assets | 1.3711% | 641 |
| Noninterest expense to average assets | 4.2578% | 756 |
| Loan and lease loss provision to assets | 0.4847% | 2,558 |
| Net operating income to assets | -1.9588% | 7,454 |
| Return on assets (ROA) | -1.9113% | 7,445 |
| Pretax return on assets | -1.9113% | 7,388 |
| Return on Equity (ROE) | -26.5649% | 7,524 |
| Retained earnings to average equity (ytd only) | -26.5649% | 7,486 |
| Net charge-offs to loans | 0.4131% | 2,808 |
| Credit loss provision to net charge-offs | 167.8082% | 2,166 |
| Earnings coverage of net charge-offs (x) | -5.1027% | 5,536 |
| Efficiency ratio | 152.9495% | 199 |
| Assets per employee ($millions) | 2.0782% | 7,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8057% | 2,713 |
| Loan loss allowance to noncurrent loans | 17.5677% | 7,126 |
| Noncurrent assets plus other real estate owned to assets | 12.2491% | 245 |
| Noncurrent loans to loans | 10.2787% | 406 |
| Net loans and leases to total assets | 69.1451% | 3,126 |
| Net loans and leases to deposits | 84.9970% | 2,768 |
| Net loans and leases to core deposits | 108.8574% | 1,362 |
| Total domestic deposits to total assets | 81.3500% | 5,327 |
| Equity capital to assets | 6.8106% | 7,449 |
| Core capital (leverage) ratio | 6.4378% | 7,486 |
| Tier 1 risk-based capital ratio | 8.8569% | 7,506 |
| Total risk-based capital ratio | 10.1135% | 7,527 |
| Memoranda: | ||
| Average total assets | $202,168,000 | 3,192 |
| Average earning assets | $151,108,500 | 3,737 |
| Average equity | $14,545,500 | 4,109 |
| Average total loans | $141,384,000 | 3,050 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0620% | 6,224 |
| Cost of funding earning assets | 3.1529% | 147 |
| Net interest margin | 1.9091% | 7,778 |
| Noninterest income to average assets | 0.6874% | 3,047 |
| Noninterest expense to average assets | 3.7381% | 1,821 |
| Loan and lease loss provision to assets | 0.4776% | 3,970 |
| Net operating income to assets | -1.9930% | 7,090 |
| Return on assets (ROA) | -1.7863% | 7,003 |
| Pretax return on assets | -1.7863% | 6,852 |
| Return on Equity (ROE) | -21.2042% | 7,179 |
| Retained earnings to average equity (ytd only) | -21.2042% | 7,151 |
| Net charge-offs to loans | 0.4717% | 3,894 |
| Credit loss provision to net charge-offs | 160.1363% | 2,787 |
| Earnings coverage of net charge-offs (x) | -5.0818% | 7,109 |
| Efficiency ratio | 168.1829% | 226 |
| Assets per employee ($millions) | 2.4219% | 7,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8253% | 2,466 |
| Loan loss allowance to noncurrent loans | 14.5047% | 7,278 |
| Noncurrent assets plus other real estate owned to assets | 13.0303% | 202 |
| Noncurrent loans to loans | 12.5842% | 259 |
| Net loans and leases to total assets | 68.1665% | 3,667 |
| Net loans and leases to deposits | 85.0241% | 3,080 |
| Net loans and leases to core deposits | 124.8932% | 1,580 |
| Total domestic deposits to total assets | 80.1731% | 5,625 |
| Equity capital to assets | 7.5927% | 6,953 |
| Core capital (leverage) ratio | 6.9365% | 7,291 |
| Tier 1 risk-based capital ratio | 10.0182% | 6,856 |
| Total risk-based capital ratio | 11.2757% | 6,819 |
| Memoranda: | ||
| Average total assets | $196,836,400 | 3,218 |
| Average earning assets | $158,298,200 | 3,550 |
| Average equity | $16,581,600 | 3,763 |
| Average total loans | $124,431,400 | 3,395 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0404% | 6,475 |
| Cost of funding earning assets | 3.1924% | 194 |
| Net interest margin | 1.8480% | 7,871 |
| Noninterest income to average assets | 0.2668% | 6,326 |
| Noninterest expense to average assets | 3.2261% | 3,210 |
| Loan and lease loss provision to assets | 0.5309% | 3,260 |
| Net operating income to assets | -1.9783% | 7,311 |
| Return on assets (ROA) | -1.9083% | 7,281 |
| Pretax return on assets | -1.9083% | 7,135 |
| Return on Equity (ROE) | -22.1021% | 7,444 |
| Retained earnings to average equity (ytd only) | -22.1021% | 7,412 |
| Net charge-offs to loans | 0.5771% | 2,944 |
| Credit loss provision to net charge-offs | 149.2366% | 3,230 |
| Earnings coverage of net charge-offs (x) | -4.0687% | 6,830 |
| Efficiency ratio | 181.3740% | 197 |
| Assets per employee ($millions) | 3.5458% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8687% | 2,104 |
| Loan loss allowance to noncurrent loans | 16.0578% | 7,283 |
| Noncurrent assets plus other real estate owned to assets | 11.7897% | 238 |
| Noncurrent loans to loans | 11.6372% | 295 |
| Net loans and leases to total assets | 62.9304% | 5,081 |
| Net loans and leases to deposits | 78.7654% | 4,606 |
| Net loans and leases to core deposits | 118.1079% | 2,404 |
| Total domestic deposits to total assets | 79.8960% | 5,474 |
| Equity capital to assets | 8.1238% | 6,717 |
| Core capital (leverage) ratio | 7.2243% | 7,243 |
| Tier 1 risk-based capital ratio | 10.6611% | 6,286 |
| Total risk-based capital ratio | 11.9177% | 6,260 |
| Memoranda: | ||
| Average total assets | $196,395,750 | 3,240 |
| Average earning assets | $160,670,250 | 3,538 |
| Average equity | $16,957,250 | 3,710 |
| Average total loans | $121,065,500 | 3,489 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 7,131 |
| Cost of funding earning assets | 3.2177% | 253 |
| Net interest margin | 1.6343% | 7,975 |
| Noninterest income to average assets | 0.0442% | 7,761 |
| Noninterest expense to average assets | 2.8629% | 4,672 |
| Loan and lease loss provision to assets | 0.5172% | 2,955 |
| Net operating income to assets | -1.9836% | 7,424 |
| Return on assets (ROA) | -1.8777% | 7,387 |
| Pretax return on assets | -1.8777% | 7,240 |
| Return on Equity (ROE) | -21.3110% | 7,541 |
| Retained earnings to average equity (ytd only) | -21.3110% | 7,496 |
| Net charge-offs to loans | 0.5481% | 2,681 |
| Credit loss provision to net charge-offs | 155.2469% | 2,962 |
| Earnings coverage of net charge-offs (x) | -4.4012% | 6,446 |
| Efficiency ratio | 205.0074% | 189 |
| Assets per employee ($millions) | 3.5288% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9612% | 1,650 |
| Loan loss allowance to noncurrent loans | 14.5123% | 7,375 |
| Noncurrent assets plus other real estate owned to assets | 12.7678% | 152 |
| Noncurrent loans to loans | 13.5142% | 166 |
| Net loans and leases to total assets | 59.2430% | 5,799 |
| Net loans and leases to deposits | 74.3765% | 5,397 |
| Net loans and leases to core deposits | 113.5782% | 2,962 |
| Total domestic deposits to total assets | 79.6529% | 5,571 |
| Equity capital to assets | 8.1730% | 6,529 |
| Core capital (leverage) ratio | 7.3567% | 7,182 |
| Tier 1 risk-based capital ratio | 10.9943% | 5,877 |
| Total risk-based capital ratio | 12.2448% | 5,814 |
| Memoranda: | ||
| Average total assets | $194,491,330 | 3,287 |
| Average earning assets | $160,922,330 | 3,543 |
| Average equity | $17,136,670 | 3,681 |
| Average total loans | $118,217,330 | 3,574 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9546% | 7,049 |
| Cost of funding earning assets | 3.2034% | 340 |
| Net interest margin | 1.7513% | 7,992 |
| Noninterest income to average assets | -0.1161% | 8,144 |
| Noninterest expense to average assets | 2.6849% | 5,076 |
| Loan and lease loss provision to assets | 0.6635% | 1,907 |
| Net operating income to assets | -1.9717% | 7,652 |
| Return on assets (ROA) | -1.9116% | 7,635 |
| Pretax return on assets | -1.9116% | 7,511 |
| Return on Equity (ROE) | -20.9195% | 7,775 |
| Retained earnings to average equity (ytd only) | -20.9195% | 7,674 |
| Net charge-offs to loans | 1.0168% | 1,326 |
| Credit loss provision to net charge-offs | 107.0234% | 3,575 |
| Earnings coverage of net charge-offs (x) | -2.1104% | 5,475 |
| Efficiency ratio | 195.0301% | 199 |
| Assets per employee ($millions) | 6.2659% | 1,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8732% | 1,684 |
| Loan loss allowance to noncurrent loans | 17.0797% | 7,307 |
| Noncurrent assets plus other real estate owned to assets | 11.6673% | 153 |
| Noncurrent loans to loans | 10.9676% | 227 |
| Net loans and leases to total assets | 57.0842% | 6,087 |
| Net loans and leases to deposits | 72.0902% | 5,736 |
| Net loans and leases to core deposits | 108.5722% | 3,606 |
| Total domestic deposits to total assets | 79.1845% | 5,649 |
| Equity capital to assets | 8.7896% | 5,638 |
| Core capital (leverage) ratio | 8.2961% | 5,911 |
| Tier 1 risk-based capital ratio | 11.6100% | 5,289 |
| Total risk-based capital ratio | 12.8645% | 5,198 |
| Memoranda: | ||
| Average total assets | $192,929,500 | 3,322 |
| Average earning assets | $164,452,500 | 3,505 |
| Average equity | $17,629,500 | 3,618 |
| Average total loans | $117,618,500 | 3,611 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5530% | 7,191 |
| Cost of funding earning assets | 3.4370% | 632 |
| Net interest margin | 2.1160% | 8,008 |
| Noninterest income to average assets | -0.1691% | 8,218 |
| Noninterest expense to average assets | 2.6927% | 5,300 |
| Loan and lease loss provision to assets | 0.6271% | 2,324 |
| Net operating income to assets | -1.5599% | 7,492 |
| Return on assets (ROA) | -1.5551% | 7,438 |
| Pretax return on assets | -1.5551% | 7,285 |
| Return on Equity (ROE) | -16.2344% | 7,636 |
| Retained earnings to average equity (ytd only) | -17.9067% | 7,615 |
| Net charge-offs to loans | 0.4965% | 2,375 |
| Credit loss provision to net charge-offs | 196.0591% | 2,500 |
| Earnings coverage of net charge-offs (x) | -2.9163% | 6,761 |
| Efficiency ratio | 152.9991% | 333 |
| Assets per employee ($millions) | 5.1486% | 1,786 |
| Cash dividends to net income (ytd only)* | -10.3006% | 7,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8247% | 1,576 |
| Loan loss allowance to noncurrent loans | 13.1343% | 7,445 |
| Noncurrent assets plus other real estate owned to assets | 12.7267% | 92 |
| Noncurrent loans to loans | 13.8929% | 83 |
| Net loans and leases to total assets | 62.8158% | 5,489 |
| Net loans and leases to deposits | 81.0448% | 4,862 |
| Net loans and leases to core deposits | 107.7109% | 3,996 |
| Total domestic deposits to total assets | 77.5074% | 5,872 |
| Equity capital to assets | 9.5144% | 4,672 |
| Core capital (leverage) ratio | 8.6244% | 5,334 |
| Tier 1 risk-based capital ratio | 11.9112% | 4,897 |
| Total risk-based capital ratio | 13.1654% | 4,788 |
| Memoranda: | ||
| Average total assets | $190,401,400 | 3,264 |
| Average earning assets | $173,580,600 | 3,276 |
| Average equity | $18,239,000 | 3,514 |
| Average total loans | $122,666,000 | 3,408 |