Home > Coronado First Bank > Performance and Condition Ratios
Coronado First 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 | 5.1641% | 2,331 |
| Cost of funding earning assets | 0.5619% | 6,465 |
| Net interest margin | 4.6022% | 942 |
| Noninterest income to average assets | 0.1049% | 6,726 |
| Noninterest expense to average assets | 4.7485% | 463 |
| Loan and lease loss provision to assets | 1.0904% | 756 |
| Net operating income to assets | -1.3708% | 7,007 |
| Return on assets (ROA) | -1.3790% | 7,027 |
| Pretax return on assets | -1.3773% | 6,988 |
| Return on Equity (ROE) | -12.5139% | 6,959 |
| Retained earnings to average equity (ytd only) | -12.5139% | 6,932 |
| Net charge-offs to loans | 1.5351% | 940 |
| Credit loss provision to net charge-offs | 101.3720% | 3,307 |
| Earnings coverage of net charge-offs (x) | -0.2591% | 5,746 |
| Efficiency ratio | 106.2362% | 500 |
| Assets per employee ($millions) | 3.9951% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5230% | 1,366 |
| Loan loss allowance to noncurrent loans | 76.9089% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 4.0925% | 1,497 |
| Noncurrent loans to loans | 3.2805% | 2,105 |
| Net loans and leases to total assets | 60.3927% | 4,061 |
| Net loans and leases to deposits | 67.7872% | 4,647 |
| Net loans and leases to core deposits | 72.5901% | 4,637 |
| Total domestic deposits to total assets | 89.0916% | 1,377 |
| Equity capital to assets | 10.7306% | 3,442 |
| Core capital (leverage) ratio | 10.6573% | 2,704 |
| Tier 1 risk-based capital ratio | 15.5394% | 3,365 |
| Total risk-based capital ratio | 16.8026% | 3,317 |
| Memoranda: | ||
| Average total assets | $81,315,250 | 5,464 |
| Average earning assets | $77,120,000 | 5,351 |
| Average equity | $8,960,500 | 5,318 |
| Average total loans | $56,976,000 | 5,033 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2501% | 2,063 |
| Cost of funding earning assets | 0.5816% | 6,535 |
| Net interest margin | 4.6684% | 784 |
| Noninterest income to average assets | 0.1149% | 6,759 |
| Noninterest expense to average assets | 4.7979% | 438 |
| Loan and lease loss provision to assets | 1.6140% | 429 |
| Net operating income to assets | -1.8634% | 7,171 |
| Return on assets (ROA) | -1.8756% | 7,179 |
| Pretax return on assets | -1.8732% | 7,142 |
| Return on Equity (ROE) | -16.8769% | 7,105 |
| Retained earnings to average equity (ytd only) | -16.8769% | 7,086 |
| Net charge-offs to loans | 2.5863% | 439 |
| Credit loss provision to net charge-offs | 85.8257% | 3,591 |
| Earnings coverage of net charge-offs (x) | -0.1313% | 5,368 |
| Efficiency ratio | 105.4272% | 574 |
| Assets per employee ($millions) | 3.9523% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0651% | 2,196 |
| Loan loss allowance to noncurrent loans | 69.4717% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 4.2077% | 1,509 |
| Noncurrent loans to loans | 2.9726% | 2,444 |
| Net loans and leases to total assets | 67.8529% | 2,649 |
| Net loans and leases to deposits | 76.2684% | 3,416 |
| Net loans and leases to core deposits | 81.7831% | 3,540 |
| Total domestic deposits to total assets | 88.9659% | 1,551 |
| Equity capital to assets | 10.8937% | 3,074 |
| Core capital (leverage) ratio | 10.8594% | 2,365 |
| Tier 1 risk-based capital ratio | 14.3507% | 3,902 |
| Total risk-based capital ratio | 15.6084% | 3,866 |
| Memoranda: | ||
| Average total assets | $81,786,330 | 5,487 |
| Average earning assets | $77,713,330 | 5,376 |
| Average equity | $9,089,330 | 5,299 |
| Average total loans | $59,466,670 | 4,980 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2704% | 1,975 |
| Cost of funding earning assets | 0.6254% | 6,499 |
| Net interest margin | 4.6450% | 790 |
| Noninterest income to average assets | 0.1154% | 6,836 |
| Noninterest expense to average assets | 4.4013% | 649 |
| Loan and lease loss provision to assets | 0.0722% | 5,100 |
| Net operating income to assets | 0.0722% | 6,171 |
| Return on assets (ROA) | 0.0722% | 6,222 |
| Pretax return on assets | 0.0722% | 6,233 |
| Return on Equity (ROE) | 0.6432% | 6,236 |
| Retained earnings to average equity (ytd only) | 0.6432% | 5,574 |
| Net charge-offs to loans | 0.4982% | 2,229 |
| Credit loss provision to net charge-offs | 19.4805% | 4,258 |
| Earnings coverage of net charge-offs (x) | 0.3896% | 4,329 |
| Efficiency ratio | 96.8254% | 884 |
| Assets per employee ($millions) | 4.1537% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9597% | 2,518 |
| Loan loss allowance to noncurrent loans | 26.7181% | 6,479 |
| Noncurrent assets plus other real estate owned to assets | 5.3073% | 1,160 |
| Noncurrent loans to loans | 7.3349% | 719 |
| Net loans and leases to total assets | 70.9392% | 1,943 |
| Net loans and leases to deposits | 80.0761% | 2,713 |
| Net loans and leases to core deposits | 86.0610% | 2,865 |
| Total domestic deposits to total assets | 88.5897% | 2,025 |
| Equity capital to assets | 11.2297% | 2,478 |
| Core capital (leverage) ratio | 11.4240% | 1,892 |
| Tier 1 risk-based capital ratio | 14.5021% | 3,737 |
| Total risk-based capital ratio | 15.7594% | 3,695 |
| Memoranda: | ||
| Average total assets | $83,156,500 | 5,492 |
| Average earning assets | $79,311,000 | 5,381 |
| Average equity | $9,328,500 | 5,222 |
| Average total loans | $61,817,000 | 4,913 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5458% | 2,099 |
| Cost of funding earning assets | 1.0608% | 5,363 |
| Net interest margin | 4.4850% | 1,259 |
| Noninterest income to average assets | -0.1062% | 7,394 |
| Noninterest expense to average assets | 3.9709% | 1,203 |
| Loan and lease loss provision to assets | 0.2879% | 4,498 |
| Net operating income to assets | -0.1215% | 6,017 |
| Return on assets (ROA) | -0.1215% | 6,071 |
| Pretax return on assets | -0.1204% | 6,014 |
| Return on Equity (ROE) | -1.1833% | 6,080 |
| Retained earnings to average equity (ytd only) | -1.1833% | 5,832 |
| Net charge-offs to loans | 1.0706% | 2,070 |
| Credit loss provision to net charge-offs | 35.2547% | 6,446 |
| Earnings coverage of net charge-offs (x) | 0.2051% | 5,900 |
| Efficiency ratio | 95.9524% | 971 |
| Assets per employee ($millions) | 4.1620% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9520% | 2,417 |
| Loan loss allowance to noncurrent loans | 27.6600% | 6,430 |
| Noncurrent assets plus other real estate owned to assets | 7.4496% | 702 |
| Noncurrent loans to loans | 7.0572% | 795 |
| Net loans and leases to total assets | 74.8255% | 1,512 |
| Net loans and leases to deposits | 84.4586% | 2,376 |
| Net loans and leases to core deposits | 94.5258% | 2,195 |
| Total domestic deposits to total assets | 88.5943% | 1,897 |
| Equity capital to assets | 11.2063% | 2,500 |
| Core capital (leverage) ratio | 10.4974% | 2,561 |
| Tier 1 risk-based capital ratio | 13.4526% | 4,248 |
| Total risk-based capital ratio | 14.7093% | 4,211 |
| Memoranda: | ||
| Average total assets | $91,339,800 | 5,248 |
| Average earning assets | $86,443,200 | 5,134 |
| Average equity | $9,380,200 | 5,305 |
| Average total loans | $69,682,000 | 4,698 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5507% | 2,252 |
| Cost of funding earning assets | 1.1479% | 5,163 |
| Net interest margin | 4.4029% | 1,516 |
| Noninterest income to average assets | -0.0943% | 7,533 |
| Noninterest expense to average assets | 3.9086% | 1,189 |
| Loan and lease loss provision to assets | 0.3670% | 3,703 |
| Net operating income to assets | -0.2028% | 6,329 |
| Return on assets (ROA) | -0.2028% | 6,388 |
| Pretax return on assets | -0.2014% | 6,322 |
| Return on Equity (ROE) | -2.0156% | 6,407 |
| Retained earnings to average equity (ytd only) | -2.0156% | 6,207 |
| Net charge-offs to loans | 0.7601% | 2,522 |
| Credit loss provision to net charge-offs | 63.3005% | 5,609 |
| Earnings coverage of net charge-offs (x) | 0.2857% | 5,742 |
| Efficiency ratio | 95.9341% | 904 |
| Assets per employee ($millions) | 4.4845% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3894% | 1,487 |
| Loan loss allowance to noncurrent loans | 66.2179% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 4.6238% | 1,454 |
| Noncurrent loans to loans | 3.6083% | 2,167 |
| Net loans and leases to total assets | 71.6933% | 2,322 |
| Net loans and leases to deposits | 80.2308% | 3,410 |
| Net loans and leases to core deposits | 94.2098% | 2,499 |
| Total domestic deposits to total assets | 89.3588% | 1,197 |
| Equity capital to assets | 10.4528% | 3,569 |
| Core capital (leverage) ratio | 9.7682% | 3,525 |
| Tier 1 risk-based capital ratio | 13.2351% | 4,396 |
| Total risk-based capital ratio | 14.4978% | 4,361 |
| Memoranda: | ||
| Average total assets | $93,365,000 | 5,238 |
| Average earning assets | $88,394,250 | 5,133 |
| Average equity | $9,393,250 | 5,379 |
| Average total loans | $71,221,500 | 4,709 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4967% | 2,529 |
| Cost of funding earning assets | 1.2418% | 4,884 |
| Net interest margin | 4.2548% | 1,944 |
| Noninterest income to average assets | -0.1755% | 7,672 |
| Noninterest expense to average assets | 3.7911% | 1,372 |
| Loan and lease loss provision to assets | 0.5053% | 2,779 |
| Net operating income to assets | -0.4461% | 6,608 |
| Return on assets (ROA) | -0.4461% | 6,646 |
| Pretax return on assets | -0.4440% | 6,548 |
| Return on Equity (ROE) | -4.4897% | 6,654 |
| Retained earnings to average equity (ytd only) | -4.4897% | 6,499 |
| Net charge-offs to loans | 1.0410% | 1,798 |
| Credit loss provision to net charge-offs | 62.8947% | 5,136 |
| Earnings coverage of net charge-offs (x) | 0.0763% | 5,647 |
| Efficiency ratio | 98.4083% | 865 |
| Assets per employee ($millions) | 4.8429% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2637% | 1,647 |
| Loan loss allowance to noncurrent loans | 36.2511% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 4.5056% | 1,476 |
| Noncurrent loans to loans | 6.2445% | 991 |
| Net loans and leases to total assets | 70.5197% | 2,790 |
| Net loans and leases to deposits | 78.1573% | 3,936 |
| Net loans and leases to core deposits | 90.9072% | 3,142 |
| Total domestic deposits to total assets | 90.2280% | 809 |
| Equity capital to assets | 9.5697% | 4,599 |
| Core capital (leverage) ratio | 9.5280% | 3,779 |
| Tier 1 risk-based capital ratio | 12.4414% | 4,914 |
| Total risk-based capital ratio | 13.7032% | 4,883 |
| Memoranda: | ||
| Average total assets | $94,590,330 | 5,233 |
| Average earning assets | $89,545,330 | 5,112 |
| Average equity | $9,399,330 | 5,379 |
| Average total loans | $73,003,670 | 4,678 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6242% | 2,055 |
| Cost of funding earning assets | 1.3831% | 4,284 |
| Net interest margin | 4.2410% | 1,889 |
| Noninterest income to average assets | 0.0514% | 7,459 |
| Noninterest expense to average assets | 3.7408% | 1,431 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2739% | 5,403 |
| Return on assets (ROA) | 0.2739% | 5,529 |
| Pretax return on assets | 0.2739% | 5,676 |
| Return on Equity (ROE) | 2.7048% | 5,474 |
| Retained earnings to average equity (ytd only) | 2.7048% | 4,514 |
| Net charge-offs to loans | 0.3648% | 2,956 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.9412% | 4,204 |
| Efficiency ratio | 93.1770% | 1,189 |
| Assets per employee ($millions) | 4.6616% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2586% | 1,645 |
| Loan loss allowance to noncurrent loans | 31.9869% | 6,282 |
| Noncurrent assets plus other real estate owned to assets | 8.4617% | 564 |
| Noncurrent loans to loans | 7.0609% | 839 |
| Net loans and leases to total assets | 76.8213% | 1,363 |
| Net loans and leases to deposits | 85.7779% | 2,628 |
| Net loans and leases to core deposits | 101.3442% | 1,989 |
| Total domestic deposits to total assets | 89.5583% | 1,203 |
| Equity capital to assets | 10.2025% | 3,604 |
| Core capital (leverage) ratio | 9.7818% | 3,417 |
| Tier 1 risk-based capital ratio | 11.9672% | 5,229 |
| Total risk-based capital ratio | 13.2278% | 5,180 |
| Memoranda: | ||
| Average total assets | $93,456,500 | 5,338 |
| Average earning assets | $87,337,000 | 5,265 |
| Average equity | $9,464,500 | 5,400 |
| Average total loans | $74,562,500 | 4,694 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1579% | 1,348 |
| Cost of funding earning assets | 1.8570% | 3,696 |
| Net interest margin | 4.3008% | 1,716 |
| Noninterest income to average assets | 0.0681% | 7,410 |
| Noninterest expense to average assets | 4.1743% | 1,125 |
| Loan and lease loss provision to assets | 2.0072% | 1,079 |
| Net operating income to assets | -1.9811% | 7,083 |
| Return on assets (ROA) | -1.9811% | 7,087 |
| Pretax return on assets | -1.9799% | 6,937 |
| Return on Equity (ROE) | -16.6409% | 7,014 |
| Retained earnings to average equity (ytd only) | -16.6409% | 6,968 |
| Net charge-offs to loans | 1.0661% | 2,281 |
| Credit loss provision to net charge-offs | 219.4789% | 1,719 |
| Earnings coverage of net charge-offs (x) | 0.0298% | 6,158 |
| Efficiency ratio | 99.3519% | 1,136 |
| Assets per employee ($millions) | 4.6841% | 2,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2716% | 1,531 |
| Loan loss allowance to noncurrent loans | 34.2681% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 8.2653% | 525 |
| Noncurrent loans to loans | 6.6290% | 895 |
| Net loans and leases to total assets | 79.1249% | 1,157 |
| Net loans and leases to deposits | 88.2020% | 2,526 |
| Net loans and leases to core deposits | 136.6309% | 929 |
| Total domestic deposits to total assets | 89.7087% | 1,104 |
| Equity capital to assets | 10.0522% | 3,690 |
| Core capital (leverage) ratio | 9.6187% | 3,568 |
| Tier 1 risk-based capital ratio | 11.5863% | 5,306 |
| Total risk-based capital ratio | 12.8327% | 5,269 |
| Memoranda: | ||
| Average total assets | $88,134,000 | 5,445 |
| Average earning assets | $84,704,400 | 5,306 |
| Average equity | $10,492,200 | 5,167 |
| Average total loans | $75,600,000 | 4,667 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1506% | 1,490 |
| Cost of funding earning assets | 1.9004% | 3,888 |
| Net interest margin | 4.2502% | 1,869 |
| Noninterest income to average assets | 0.0753% | 7,528 |
| Noninterest expense to average assets | 4.1361% | 1,093 |
| Loan and lease loss provision to assets | 1.6169% | 1,164 |
| Net operating income to assets | -1.5647% | 7,142 |
| Return on assets (ROA) | -1.5647% | 7,140 |
| Pretax return on assets | -1.5631% | 6,996 |
| Return on Equity (ROE) | -12.6131% | 7,053 |
| Retained earnings to average equity (ytd only) | -12.6131% | 6,985 |
| Net charge-offs to loans | 0.9902% | 1,987 |
| Credit loss provision to net charge-offs | 187.5223% | 2,425 |
| Earnings coverage of net charge-offs (x) | 0.0624% | 5,983 |
| Efficiency ratio | 98.7161% | 1,127 |
| Assets per employee ($millions) | 4.4070% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 3,445 |
| Loan loss allowance to noncurrent loans | 34.8080% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 3.7069% | 1,751 |
| Noncurrent loans to loans | 4.3082% | 1,661 |
| Net loans and leases to total assets | 84.7536% | 457 |
| Net loans and leases to deposits | 94.9197% | 1,727 |
| Net loans and leases to core deposits | 157.5957% | 426 |
| Total domestic deposits to total assets | 89.2898% | 1,063 |
| Equity capital to assets | 10.4307% | 3,585 |
| Core capital (leverage) ratio | 10.4725% | 2,814 |
| Tier 1 risk-based capital ratio | 11.5875% | 5,352 |
| Total risk-based capital ratio | 12.8399% | 5,288 |
| Memoranda: | ||
| Average total assets | $86,747,250 | 5,526 |
| Average earning assets | $83,978,750 | 5,375 |
| Average equity | $10,761,000 | 5,125 |
| Average total loans | $75,538,000 | 4,714 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1855% | 1,504 |
| Cost of funding earning assets | 1.9089% | 4,218 |
| Net interest margin | 4.2765% | 1,721 |
| Noninterest income to average assets | 0.0624% | 7,675 |
| Noninterest expense to average assets | 3.9714% | 1,366 |
| Loan and lease loss provision to assets | 0.4943% | 3,066 |
| Net operating income to assets | -0.2664% | 6,283 |
| Return on assets (ROA) | -0.2664% | 6,299 |
| Pretax return on assets | -0.2640% | 6,193 |
| Return on Equity (ROE) | -2.0224% | 6,225 |
| Retained earnings to average equity (ytd only) | -2.0224% | 5,746 |
| Net charge-offs to loans | 0.2798% | 3,797 |
| Credit loss provision to net charge-offs | 201.9608% | 2,256 |
| Earnings coverage of net charge-offs (x) | 0.9412% | 4,824 |
| Efficiency ratio | 94.5174% | 1,466 |
| Assets per employee ($millions) | 4.5643% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 5,829 |
| Loan loss allowance to noncurrent loans | 21.1247% | 7,069 |
| Noncurrent assets plus other real estate owned to assets | 4.2670% | 1,351 |
| Noncurrent loans to loans | 5.0227% | 1,222 |
| Net loans and leases to total assets | 84.0544% | 628 |
| Net loans and leases to deposits | 95.7877% | 1,830 |
| Net loans and leases to core deposits | 163.0581% | 402 |
| Total domestic deposits to total assets | 87.7508% | 1,905 |
| Equity capital to assets | 11.4615% | 2,563 |
| Core capital (leverage) ratio | 12.4918% | 1,627 |
| Tier 1 risk-based capital ratio | 12.7243% | 4,343 |
| Total risk-based capital ratio | 13.7458% | 4,447 |
| Memoranda: | ||
| Average total assets | $83,345,000 | 5,688 |
| Average earning assets | $80,672,670 | 5,509 |
| Average equity | $10,977,000 | 5,094 |
| Average total loans | $72,909,670 | 4,844 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2723% | 1,381 |
| Cost of funding earning assets | 1.9547% | 4,358 |
| Net interest margin | 4.3176% | 1,555 |
| Noninterest income to average assets | 0.0623% | 7,753 |
| Noninterest expense to average assets | 4.1872% | 955 |
| Loan and lease loss provision to assets | 0.8198% | 1,577 |
| Net operating income to assets | -0.7731% | 7,110 |
| Return on assets (ROA) | -0.7731% | 7,145 |
| Pretax return on assets | -0.7731% | 7,018 |
| Return on Equity (ROE) | -5.4318% | 7,015 |
| Retained earnings to average equity (ytd only) | -5.4318% | 6,616 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8971% | 1,180 |
| Assets per employee ($millions) | 3.8920% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 4,806 |
| Loan loss allowance to noncurrent loans | 79.7567% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.4083% | 3,832 |
| Noncurrent loans to loans | 1.5045% | 4,033 |
| Net loans and leases to total assets | 92.4802% | 57 |
| Net loans and leases to deposits | 107.9107% | 730 |
| Net loans and leases to core deposits | 191.1173% | 172 |
| Total domestic deposits to total assets | 85.7007% | 2,871 |
| Equity capital to assets | 13.3474% | 1,593 |
| Core capital (leverage) ratio | 13.9972% | 1,194 |
| Tier 1 risk-based capital ratio | 13.1843% | 4,060 |
| Total risk-based capital ratio | 14.3192% | 4,059 |
| Memoranda: | ||
| Average total assets | $77,092,000 | 5,911 |
| Average earning assets | $74,486,000 | 5,757 |
| Average equity | $10,972,500 | 5,114 |
| Average total loans | $68,649,000 | 5,029 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6649% | 2,180 |
| Cost of funding earning assets | 2.3257% | 5,032 |
| Net interest margin | 4.3392% | 1,859 |
| Noninterest income to average assets | 0.1499% | 7,345 |
| Noninterest expense to average assets | 4.7298% | 747 |
| Loan and lease loss provision to assets | 0.4039% | 3,262 |
| Net operating income to assets | -0.8204% | 7,146 |
| Return on assets (ROA) | -0.8425% | 7,074 |
| Pretax return on assets | -0.8409% | 6,906 |
| Return on Equity (ROE) | -4.7562% | 6,839 |
| Retained earnings to average equity (ytd only) | -4.7562% | 6,472 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.6161% | 714 |
| Assets per employee ($millions) | 3.8133% | 3,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 4,139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 82.8606% | 1,067 |
| Net loans and leases to deposits | 104.0324% | 1,339 |
| Net loans and leases to core deposits | 167.9536% | 442 |
| Total domestic deposits to total assets | 79.6489% | 5,148 |
| Equity capital to assets | 15.2319% | 1,104 |
| Core capital (leverage) ratio | 15.9803% | 831 |
| Tier 1 risk-based capital ratio | 16.5210% | 2,481 |
| Total risk-based capital ratio | 17.6846% | 2,447 |
| Memoranda: | ||
| Average total assets | $63,385,800 | 6,255 |
| Average earning assets | $60,841,400 | 6,138 |
| Average equity | $11,227,400 | 5,057 |
| Average total loans | $48,176,000 | 5,777 |