Home > Covenant Bank & Trust > Performance and Condition Ratios
Covenant Bank & Trust, Performance and Condition Ratios
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6303% | 899 |
| Cost of funding earning assets | 1.9898% | 106 |
| Net interest margin | 3.6406% | 4,560 |
| Noninterest income to average assets | -0.1228% | 7,115 |
| Noninterest expense to average assets | 3.3110% | 2,489 |
| Loan and lease loss provision to assets | 2.1872% | 237 |
| Net operating income to assets | -2.4494% | 7,107 |
| Return on assets (ROA) | -2.3724% | 7,104 |
| Pretax return on assets | -2.3821% | 7,102 |
| Return on Equity (ROE) | -68.6214% | 7,269 |
| Retained earnings to average equity (ytd only) | -68.6214% | 7,269 |
| Net charge-offs to loans | 5.1250% | 76 |
| Credit loss provision to net charge-offs | 56.4528% | 5,264 |
| Earnings coverage of net charge-offs (x) | -0.0702% | 5,880 |
| Efficiency ratio | 108.9480% | 453 |
| Assets per employee ($millions) | 4.5583% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 5,200 |
| Loan loss allowance to noncurrent loans | 9.6734% | 6,824 |
| Noncurrent assets plus other real estate owned to assets | 16.0146% | 96 |
| Noncurrent loans to loans | 12.8745% | 178 |
| Net loans and leases to total assets | 70.6597% | 1,887 |
| Net loans and leases to deposits | 74.6304% | 3,396 |
| Net loans and leases to core deposits | 75.4697% | 4,048 |
| Total domestic deposits to total assets | 94.6796% | 72 |
| Equity capital to assets | 1.9660% | 7,327 |
| Core capital (leverage) ratio | 1.4958% | 7,338 |
| Tier 1 risk-based capital ratio | 1.9105% | 7,341 |
| Total risk-based capital ratio | 3.0079% | 7,341 |
| Memoranda: | ||
| Average total assets | $102,596,800 | 4,830 |
| Average earning assets | $89,106,400 | 4,958 |
| Average equity | $3,547,000 | 6,866 |
| Average total loans | $77,560,400 | 4,226 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5111% | 1,222 |
| Cost of funding earning assets | 2.0115% | 117 |
| Net interest margin | 3.4996% | 5,192 |
| Noninterest income to average assets | 0.2135% | 6,086 |
| Noninterest expense to average assets | 2.9027% | 3,922 |
| Loan and lease loss provision to assets | 2.1013% | 244 |
| Net operating income to assets | -1.7211% | 7,090 |
| Return on assets (ROA) | -1.6654% | 7,086 |
| Pretax return on assets | -1.6744% | 7,057 |
| Return on Equity (ROE) | -43.8350% | 7,271 |
| Retained earnings to average equity (ytd only) | -43.8350% | 7,265 |
| Net charge-offs to loans | 0.7600% | 2,044 |
| Credit loss provision to net charge-offs | 361.3187% | 787 |
| Earnings coverage of net charge-offs (x) | 0.6374% | 5,149 |
| Efficiency ratio | 88.6763% | 1,275 |
| Assets per employee ($millions) | 4.8315% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9696% | 190 |
| Loan loss allowance to noncurrent loans | 31.9286% | 6,134 |
| Noncurrent assets plus other real estate owned to assets | 16.9344% | 91 |
| Noncurrent loans to loans | 15.5647% | 127 |
| Net loans and leases to total assets | 71.1094% | 1,881 |
| Net loans and leases to deposits | 75.7844% | 3,360 |
| Net loans and leases to core deposits | 76.5913% | 4,115 |
| Total domestic deposits to total assets | 93.8312% | 90 |
| Equity capital to assets | 2.9568% | 7,365 |
| Core capital (leverage) ratio | 2.5490% | 7,370 |
| Tier 1 risk-based capital ratio | 3.1831% | 7,389 |
| Total risk-based capital ratio | 4.4749% | 7,390 |
| Memoranda: | ||
| Average total assets | $104,314,750 | 4,808 |
| Average earning assets | $91,207,750 | 4,920 |
| Average equity | $3,963,250 | 6,812 |
| Average total loans | $79,827,500 | 4,177 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5435% | 1,203 |
| Cost of funding earning assets | 2.0364% | 128 |
| Net interest margin | 3.5071% | 5,125 |
| Noninterest income to average assets | 0.5662% | 3,361 |
| Noninterest expense to average assets | 2.7720% | 4,539 |
| Loan and lease loss provision to assets | 1.1286% | 713 |
| Net operating income to assets | -0.2394% | 6,507 |
| Return on assets (ROA) | -0.2394% | 6,543 |
| Pretax return on assets | -0.2489% | 6,497 |
| Return on Equity (ROE) | -5.8819% | 6,770 |
| Retained earnings to average equity (ytd only) | -5.8819% | 6,646 |
| Net charge-offs to loans | 0.9097% | 1,711 |
| Credit loss provision to net charge-offs | 160.9756% | 1,882 |
| Earnings coverage of net charge-offs (x) | 1.2547% | 4,347 |
| Efficiency ratio | 75.9105% | 3,026 |
| Assets per employee ($millions) | 5.1959% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4506% | 617 |
| Loan loss allowance to noncurrent loans | 21.8073% | 6,655 |
| Noncurrent assets plus other real estate owned to assets | 16.1560% | 119 |
| Noncurrent loans to loans | 15.8230% | 122 |
| Net loans and leases to total assets | 75.6346% | 1,134 |
| Net loans and leases to deposits | 83.1857% | 2,237 |
| Net loans and leases to core deposits | 83.6247% | 3,267 |
| Total domestic deposits to total assets | 90.9227% | 524 |
| Equity capital to assets | 4.0186% | 7,388 |
| Core capital (leverage) ratio | 3.5973% | 7,398 |
| Tier 1 risk-based capital ratio | 4.3744% | 7,423 |
| Total risk-based capital ratio | 5.6494% | 7,422 |
| Memoranda: | ||
| Average total assets | $105,265,670 | 4,820 |
| Average earning assets | $92,613,000 | 4,915 |
| Average equity | $4,284,330 | 6,752 |
| Average total loans | $81,129,330 | 4,174 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9529% | 526 |
| Cost of funding earning assets | 2.0529% | 144 |
| Net interest margin | 3.9000% | 3,140 |
| Noninterest income to average assets | 0.7551% | 2,239 |
| Noninterest expense to average assets | 2.7903% | 4,485 |
| Loan and lease loss provision to assets | 0.0415% | 5,465 |
| Net operating income to assets | 1.3668% | 1,126 |
| Return on assets (ROA) | 1.3668% | 1,175 |
| Pretax return on assets | 1.3593% | 1,854 |
| Return on Equity (ROE) | 33.3756% | 62 |
| Retained earnings to average equity (ytd only) | 33.3756% | 48 |
| Net charge-offs to loans | 0.3260% | 2,751 |
| Credit loss provision to net charge-offs | 16.6667% | 4,299 |
| Earnings coverage of net charge-offs (x) | 5.6212% | 2,240 |
| Efficiency ratio | 66.5766% | 4,934 |
| Assets per employee ($millions) | 5.0408% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1724% | 784 |
| Loan loss allowance to noncurrent loans | 33.5990% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 10.2298% | 393 |
| Noncurrent loans to loans | 9.4418% | 447 |
| Net loans and leases to total assets | 72.9201% | 1,534 |
| Net loans and leases to deposits | 80.3378% | 2,653 |
| Net loans and leases to core deposits | 80.6990% | 3,642 |
| Total domestic deposits to total assets | 90.7668% | 727 |
| Equity capital to assets | 4.2879% | 7,420 |
| Core capital (leverage) ratio | 4.0458% | 7,431 |
| Tier 1 risk-based capital ratio | 5.0313% | 7,456 |
| Total risk-based capital ratio | 6.3024% | 7,455 |
| Memoranda: | ||
| Average total assets | $105,939,500 | 4,837 |
| Average earning assets | $93,333,000 | 4,932 |
| Average equity | $4,338,500 | 6,770 |
| Average total loans | $80,990,500 | 4,218 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6919% | 1,599 |
| Cost of funding earning assets | 2.3747% | 163 |
| Net interest margin | 3.3172% | 5,922 |
| Noninterest income to average assets | -0.0137% | 7,314 |
| Noninterest expense to average assets | 2.8946% | 4,248 |
| Loan and lease loss provision to assets | 3.5861% | 209 |
| Net operating income to assets | -3.5133% | 7,376 |
| Return on assets (ROA) | -3.4294% | 7,379 |
| Pretax return on assets | -3.4467% | 7,360 |
| Return on Equity (ROE) | -59.3410% | 7,483 |
| Retained earnings to average equity (ytd only) | -59.3410% | 7,480 |
| Net charge-offs to loans | 3.2139% | 488 |
| Credit loss provision to net charge-offs | 145.7238% | 2,528 |
| Earnings coverage of net charge-offs (x) | 0.0222% | 6,103 |
| Efficiency ratio | 98.1464% | 863 |
| Assets per employee ($millions) | 5.0487% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1412% | 772 |
| Loan loss allowance to noncurrent loans | 37.7833% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 9.0538% | 495 |
| Noncurrent loans to loans | 8.3138% | 605 |
| Net loans and leases to total assets | 75.1514% | 1,441 |
| Net loans and leases to deposits | 82.4165% | 2,725 |
| Net loans and leases to core deposits | 84.5756% | 3,514 |
| Total domestic deposits to total assets | 91.1848% | 515 |
| Equity capital to assets | 3.9030% | 7,514 |
| Core capital (leverage) ratio | 3.6384% | 7,520 |
| Tier 1 risk-based capital ratio | 4.4832% | 7,544 |
| Total risk-based capital ratio | 5.7543% | 7,546 |
| Memoranda: | ||
| Average total assets | $109,756,600 | 4,719 |
| Average earning assets | $98,034,400 | 4,773 |
| Average equity | $6,343,000 | 6,256 |
| Average total loans | $84,040,400 | 4,214 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6908% | 1,745 |
| Cost of funding earning assets | 2.4289% | 182 |
| Net interest margin | 3.2619% | 6,137 |
| Noninterest income to average assets | 0.0120% | 7,408 |
| Noninterest expense to average assets | 2.5934% | 5,351 |
| Loan and lease loss provision to assets | 3.0559% | 281 |
| Net operating income to assets | -2.7003% | 7,390 |
| Return on assets (ROA) | -2.6705% | 7,405 |
| Pretax return on assets | -2.6873% | 7,358 |
| Return on Equity (ROE) | -42.8753% | 7,516 |
| Retained earnings to average equity (ytd only) | -42.8753% | 7,514 |
| Net charge-offs to loans | 4.2642% | 263 |
| Credit loss provision to net charge-offs | 93.8934% | 4,617 |
| Earnings coverage of net charge-offs (x) | 0.1040% | 5,918 |
| Efficiency ratio | 88.4552% | 1,415 |
| Assets per employee ($millions) | 5.1509% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4434% | 4,242 |
| Loan loss allowance to noncurrent loans | 21.3026% | 6,845 |
| Noncurrent assets plus other real estate owned to assets | 8.3212% | 588 |
| Noncurrent loans to loans | 6.7758% | 860 |
| Net loans and leases to total assets | 74.7377% | 1,633 |
| Net loans and leases to deposits | 83.3596% | 2,817 |
| Net loans and leases to core deposits | 85.1508% | 3,775 |
| Total domestic deposits to total assets | 89.6569% | 1,045 |
| Equity capital to assets | 5.4202% | 7,539 |
| Core capital (leverage) ratio | 4.9924% | 7,546 |
| Tier 1 risk-based capital ratio | 6.1830% | 7,595 |
| Total risk-based capital ratio | 7.4346% | 7,599 |
| Memoranda: | ||
| Average total assets | $110,690,250 | 4,750 |
| Average earning assets | $99,081,000 | 4,811 |
| Average equity | $6,894,250 | 6,149 |
| Average total loans | $84,485,250 | 4,269 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6778% | 1,845 |
| Cost of funding earning assets | 2.4652% | 199 |
| Net interest margin | 3.2126% | 6,277 |
| Noninterest income to average assets | 0.0466% | 7,350 |
| Noninterest expense to average assets | 2.6253% | 5,224 |
| Loan and lease loss provision to assets | 3.8590% | 205 |
| Net operating income to assets | -3.5286% | 7,580 |
| Return on assets (ROA) | -3.4842% | 7,583 |
| Pretax return on assets | -3.5022% | 7,547 |
| Return on Equity (ROE) | -53.6889% | 7,628 |
| Retained earnings to average equity (ytd only) | -53.6889% | 7,624 |
| Net charge-offs to loans | 5.5495% | 161 |
| Credit loss provision to net charge-offs | 90.9168% | 4,390 |
| Earnings coverage of net charge-offs (x) | 0.0735% | 5,651 |
| Efficiency ratio | 89.3773% | 1,382 |
| Assets per employee ($millions) | 5.1742% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 4,525 |
| Loan loss allowance to noncurrent loans | 17.4354% | 7,056 |
| Noncurrent assets plus other real estate owned to assets | 8.2441% | 582 |
| Noncurrent loans to loans | 7.9146% | 661 |
| Net loans and leases to total assets | 74.5847% | 1,792 |
| Net loans and leases to deposits | 83.2987% | 3,012 |
| Net loans and leases to core deposits | 87.5620% | 3,609 |
| Total domestic deposits to total assets | 89.5388% | 1,154 |
| Equity capital to assets | 5.5872% | 7,582 |
| Core capital (leverage) ratio | 5.1341% | 7,589 |
| Tier 1 risk-based capital ratio | 6.5631% | 7,631 |
| Total risk-based capital ratio | 7.8140% | 7,633 |
| Memoranda: | ||
| Average total assets | $111,530,670 | 4,761 |
| Average earning assets | $100,355,670 | 4,795 |
| Average equity | $7,238,000 | 6,055 |
| Average total loans | $85,304,670 | 4,281 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4172% | 2,958 |
| Cost of funding earning assets | 2.4642% | 249 |
| Net interest margin | 2.9531% | 6,934 |
| Noninterest income to average assets | 0.1027% | 7,192 |
| Noninterest expense to average assets | 2.4892% | 5,765 |
| Loan and lease loss provision to assets | 0.6197% | 2,053 |
| Net operating income to assets | -0.3151% | 6,681 |
| Return on assets (ROA) | -0.3151% | 6,730 |
| Pretax return on assets | -0.3328% | 6,669 |
| Return on Equity (ROE) | -4.5516% | 6,859 |
| Retained earnings to average equity (ytd only) | -4.5516% | 6,552 |
| Net charge-offs to loans | 0.0368% | 5,063 |
| Credit loss provision to net charge-offs | 2,187.5000% | 235 |
| Earnings coverage of net charge-offs (x) | 10.1250% | 1,778 |
| Efficiency ratio | 89.6684% | 1,456 |
| Assets per employee ($millions) | 5.3850% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7416% | 2,914 |
| Loan loss allowance to noncurrent loans | 15.3846% | 7,193 |
| Noncurrent assets plus other real estate owned to assets | 9.0223% | 495 |
| Noncurrent loans to loans | 11.3203% | 335 |
| Net loans and leases to total assets | 75.6336% | 1,616 |
| Net loans and leases to deposits | 85.5233% | 2,675 |
| Net loans and leases to core deposits | 89.7728% | 3,393 |
| Total domestic deposits to total assets | 88.4362% | 1,831 |
| Equity capital to assets | 6.9160% | 7,407 |
| Core capital (leverage) ratio | 6.6792% | 7,400 |
| Tier 1 risk-based capital ratio | 8.2892% | 7,583 |
| Total risk-based capital ratio | 9.5445% | 7,594 |
| Memoranda: | ||
| Average total assets | $112,966,500 | 4,798 |
| Average earning assets | $102,266,500 | 4,806 |
| Average equity | $7,821,500 | 5,904 |
| Average total loans | $86,868,500 | 4,293 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9222% | 2,152 |
| Cost of funding earning assets | 3.2676% | 99 |
| Net interest margin | 2.6546% | 7,272 |
| Noninterest income to average assets | -0.0929% | 7,800 |
| Noninterest expense to average assets | 2.5657% | 5,906 |
| Loan and lease loss provision to assets | 2.1780% | 958 |
| Net operating income to assets | -2.4007% | 7,229 |
| Return on assets (ROA) | -2.1101% | 7,129 |
| Pretax return on assets | -2.1610% | 7,000 |
| Return on Equity (ROE) | -26.5155% | 7,329 |
| Retained earnings to average equity (ytd only) | -26.5155% | 7,303 |
| Net charge-offs to loans | 2.4903% | 927 |
| Credit loss provision to net charge-offs | 110.7678% | 4,968 |
| Earnings coverage of net charge-offs (x) | -0.1422% | 6,382 |
| Efficiency ratio | 112.2313% | 766 |
| Assets per employee ($millions) | 5.3737% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5561% | 3,451 |
| Loan loss allowance to noncurrent loans | 18.8592% | 7,109 |
| Noncurrent assets plus other real estate owned to assets | 6.7977% | 760 |
| Noncurrent loans to loans | 8.2512% | 590 |
| Net loans and leases to total assets | 75.6254% | 1,895 |
| Net loans and leases to deposits | 88.1740% | 2,530 |
| Net loans and leases to core deposits | 116.0029% | 2,318 |
| Total domestic deposits to total assets | 85.7683% | 3,127 |
| Equity capital to assets | 6.9315% | 7,402 |
| Core capital (leverage) ratio | 6.8445% | 7,342 |
| Tier 1 risk-based capital ratio | 8.4930% | 7,590 |
| Total risk-based capital ratio | 9.7465% | 7,617 |
| Memoranda: | ||
| Average total assets | $111,938,400 | 4,778 |
| Average earning assets | $100,316,800 | 4,841 |
| Average equity | $8,908,000 | 5,634 |
| Average total loans | $88,383,600 | 4,255 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0469% | 1,853 |
| Cost of funding earning assets | 3.4142% | 99 |
| Net interest margin | 2.6327% | 7,314 |
| Noninterest income to average assets | -0.1683% | 7,962 |
| Noninterest expense to average assets | 2.5685% | 5,829 |
| Loan and lease loss provision to assets | 2.7308% | 577 |
| Net operating income to assets | -3.0486% | 7,596 |
| Return on assets (ROA) | -2.8310% | 7,553 |
| Pretax return on assets | -2.8931% | 7,472 |
| Return on Equity (ROE) | -34.4527% | 7,691 |
| Retained earnings to average equity (ytd only) | -34.4527% | 7,684 |
| Net charge-offs to loans | 2.8240% | 621 |
| Credit loss provision to net charge-offs | 121.6374% | 4,171 |
| Earnings coverage of net charge-offs (x) | -0.1712% | 6,260 |
| Efficiency ratio | 117.5956% | 634 |
| Assets per employee ($millions) | 5.2209% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7414% | 2,474 |
| Loan loss allowance to noncurrent loans | 15.9291% | 7,289 |
| Noncurrent assets plus other real estate owned to assets | 9.1874% | 416 |
| Noncurrent loans to loans | 10.9323% | 333 |
| Net loans and leases to total assets | 78.1738% | 1,535 |
| Net loans and leases to deposits | 91.5460% | 2,313 |
| Net loans and leases to core deposits | 113.0040% | 2,929 |
| Total domestic deposits to total assets | 85.3930% | 3,029 |
| Equity capital to assets | 6.9592% | 7,611 |
| Core capital (leverage) ratio | 6.5281% | 7,660 |
| Tier 1 risk-based capital ratio | 8.0950% | 7,779 |
| Total risk-based capital ratio | 9.3510% | 7,794 |
| Memoranda: | ||
| Average total assets | $111,711,250 | 4,811 |
| Average earning assets | $99,817,000 | 4,868 |
| Average equity | $9,179,500 | 5,602 |
| Average total loans | $88,807,000 | 4,288 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0756% | 1,877 |
| Cost of funding earning assets | 3.5474% | 94 |
| Net interest margin | 2.5282% | 7,450 |
| Noninterest income to average assets | 0.0818% | 7,566 |
| Noninterest expense to average assets | 2.5071% | 6,096 |
| Loan and lease loss provision to assets | 0.6993% | 2,332 |
| Net operating income to assets | -0.0801% | 5,974 |
| Return on assets (ROA) | 0.1317% | 5,577 |
| Pretax return on assets | -0.5427% | 6,467 |
| Return on Equity (ROE) | 1.5264% | 5,447 |
| Retained earnings to average equity (ytd only) | 1.5264% | 4,476 |
| Net charge-offs to loans | 0.8933% | 1,909 |
| Credit loss provision to net charge-offs | 98.4962% | 4,659 |
| Earnings coverage of net charge-offs (x) | -0.2456% | 5,918 |
| Efficiency ratio | 107.4752% | 926 |
| Assets per employee ($millions) | 5.3940% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 4,600 |
| Loan loss allowance to noncurrent loans | 29.0213% | 6,564 |
| Noncurrent assets plus other real estate owned to assets | 4.6145% | 1,202 |
| Noncurrent loans to loans | 4.3073% | 1,520 |
| Net loans and leases to total assets | 77.1324% | 1,924 |
| Net loans and leases to deposits | 91.7782% | 2,506 |
| Net loans and leases to core deposits | 110.8586% | 3,281 |
| Total domestic deposits to total assets | 84.0422% | 3,743 |
| Equity capital to assets | 8.5333% | 5,999 |
| Core capital (leverage) ratio | 8.1575% | 6,062 |
| Tier 1 risk-based capital ratio | 9.8711% | 7,065 |
| Total risk-based capital ratio | 11.0618% | 7,068 |
| Memoranda: | ||
| Average total assets | $112,402,000 | 4,816 |
| Average earning assets | $100,072,330 | 4,888 |
| Average equity | $9,696,000 | 5,460 |
| Average total loans | $89,333,330 | 4,295 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1637% | 1,715 |
| Cost of funding earning assets | 3.6035% | 112 |
| Net interest margin | 2.5603% | 7,425 |
| Noninterest income to average assets | 0.0929% | 7,586 |
| Noninterest expense to average assets | 2.3864% | 6,243 |
| Loan and lease loss provision to assets | 0.0143% | 6,670 |
| Net operating income to assets | 0.0393% | 6,165 |
| Return on assets (ROA) | 0.0393% | 6,310 |
| Pretax return on assets | -0.0107% | 6,392 |
| Return on Equity (ROE) | 0.4531% | 6,287 |
| Retained earnings to average equity (ytd only) | 0.4531% | 5,472 |
| Net charge-offs to loans | -0.0089% | 7,261 |
| Credit loss provision to net charge-offs | -200.0000% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8505% | 1,136 |
| Assets per employee ($millions) | 5.3843% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 4,455 |
| Loan loss allowance to noncurrent loans | 43.8948% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 3.5146% | 1,526 |
| Noncurrent loans to loans | 2.8434% | 2,297 |
| Net loans and leases to total assets | 78.2323% | 1,767 |
| Net loans and leases to deposits | 90.4525% | 2,860 |
| Net loans and leases to core deposits | 105.8718% | 3,936 |
| Total domestic deposits to total assets | 86.4899% | 2,448 |
| Equity capital to assets | 8.6459% | 5,849 |
| Core capital (leverage) ratio | 8.3200% | 5,868 |
| Tier 1 risk-based capital ratio | 9.8464% | 7,089 |
| Total risk-based capital ratio | 11.0247% | 7,079 |
| Memoranda: | ||
| Average total assets | $111,966,000 | 4,858 |
| Average earning assets | $100,458,500 | 4,907 |
| Average equity | $9,711,000 | 5,474 |
| Average total loans | $89,761,500 | 4,320 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4759% | 3,086 |
| Cost of funding earning assets | 3.8774% | 149 |
| Net interest margin | 2.5985% | 7,646 |
| Noninterest income to average assets | 0.1063% | 7,601 |
| Noninterest expense to average assets | 2.8189% | 4,743 |
| Loan and lease loss provision to assets | 0.3913% | 3,346 |
| Net operating income to assets | -0.5996% | 7,003 |
| Return on assets (ROA) | -0.5979% | 6,896 |
| Pretax return on assets | -0.6923% | 6,807 |
| Return on Equity (ROE) | -6.9459% | 7,043 |
| Retained earnings to average equity (ytd only) | -6.9459% | 6,777 |
| Net charge-offs to loans | 0.0264% | 6,463 |
| Credit loss provision to net charge-offs | 1,790.9091% | 245 |
| Earnings coverage of net charge-offs (x) | -13.8636% | 6,921 |
| Efficiency ratio | 112.0411% | 673 |
| Assets per employee ($millions) | 4.8200% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 4,262 |
| Loan loss allowance to noncurrent loans | 30.3328% | 6,697 |
| Noncurrent assets plus other real estate owned to assets | 3.3952% | 1,317 |
| Noncurrent loans to loans | 4.0757% | 1,201 |
| Net loans and leases to total assets | 80.1319% | 1,638 |
| Net loans and leases to deposits | 94.7563% | 2,653 |
| Net loans and leases to core deposits | 113.5127% | 3,394 |
| Total domestic deposits to total assets | 84.5663% | 3,039 |
| Equity capital to assets | 8.7010% | 5,810 |
| Core capital (leverage) ratio | 8.5265% | 5,525 |
| Tier 1 risk-based capital ratio | 9.8234% | 6,931 |
| Total risk-based capital ratio | 10.9974% | 6,924 |
| Memoranda: | ||
| Average total assets | $100,678,800 | 5,025 |
| Average earning assets | $93,361,800 | 4,990 |
| Average equity | $8,667,000 | 5,855 |
| Average total loans | $83,205,600 | 4,420 |