Home > CrediCard National Bank > Performance and Condition Ratios
CrediCard National 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 | 33.0827% | 1 |
| Cost of funding earning assets | 7.0188% | 1 |
| Net interest margin | 26.0639% | 3 |
| Noninterest income to average assets | 27.9014% | 29 |
| Noninterest expense to average assets | 90.1167% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -45.5394% | 7,437 |
| Return on assets (ROA) | -45.5394% | 7,437 |
| Pretax return on assets | -45.5394% | 7,437 |
| Return on Equity (ROE) | -244.2968% | 7,427 |
| Retained earnings to average equity (ytd only) | -244.2968% | 7,427 |
| Net charge-offs to loans | 33.6547% | 1 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -1.9722% | 6,019 |
| Efficiency ratio | 202.1583% | 50 |
| Assets per employee ($millions) | 0.0680% | 7,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,401 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 7,443 |
| Equity capital to assets | 100.0000% | 1 |
| Core capital (leverage) ratio | 88.3117% | 12 |
| Tier 1 risk-based capital ratio | 141.6667% | 44 |
| Total risk-based capital ratio | 141.6667% | 45 |
| Memoranda: | ||
| Average total assets | $415,750 | 7,446 |
| Average earning assets | $266,000 | 7,436 |
| Average equity | $77,500 | 7,436 |
| Average total loans | $285,250 | 7,397 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 37.2177% | 1 |
| Cost of funding earning assets | 7.8947% | 1 |
| Net interest margin | 29.3230% | 1 |
| Noninterest income to average assets | 22.1942% | 35 |
| Noninterest expense to average assets | 86.8960% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -45.1408% | 7,513 |
| Return on assets (ROA) | -45.1408% | 7,513 |
| Pretax return on assets | -45.1408% | 7,513 |
| Return on Equity (ROE) | -297.5084% | 7,499 |
| Retained earnings to average equity (ytd only) | -297.5084% | 7,499 |
| Net charge-offs to loans | 37.8619% | 1 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -1.6667% | 5,697 |
| Efficiency ratio | 208.1081% | 55 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 7,521 |
| Equity capital to assets | 100.0000% | 1 |
| Core capital (leverage) ratio | 85.8491% | 16 |
| Tier 1 risk-based capital ratio | 156.8966% | 38 |
| Total risk-based capital ratio | 156.8966% | 38 |
| Memoranda: | ||
| Average total assets | $531,670 | 7,522 |
| Average earning assets | $354,670 | 7,512 |
| Average equity | $80,670 | 7,512 |
| Average total loans | $380,330 | 7,470 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 49.6241% | 1 |
| Cost of funding earning assets | 10.5263% | 1 |
| Net interest margin | 39.0977% | 1 |
| Noninterest income to average assets | -11.1702% | 7,573 |
| Noninterest expense to average assets | 77.1277% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -60.6383% | 7,574 |
| Return on assets (ROA) | -60.6383% | 7,574 |
| Pretax return on assets | -60.6383% | 7,574 |
| Return on Equity (ROE) | -603.9735% | 7,565 |
| Retained earnings to average equity (ytd only) | -603.9735% | 7,565 |
| Net charge-offs to loans | 49.7809% | 1 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -1.6056% | 4,943 |
| Efficiency ratio | 467.7419% | 11 |
| Assets per employee ($millions) | 0.0565% | 7,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 1.7699% | 7,524 |
| Net loans and leases to deposits | 16.6667% | 7,487 |
| Net loans and leases to core deposits | 16.6667% | 7,479 |
| Total domestic deposits to total assets | 10.6195% | 7,548 |
| Equity capital to assets | 84.9558% | 18 |
| Core capital (leverage) ratio | 6.9818% | 7,018 |
| Tier 1 risk-based capital ratio | 128.0000% | 45 |
| Total risk-based capital ratio | 128.0000% | 46 |
| Memoranda: | ||
| Average total assets | $752,000 | 7,583 |
| Average earning assets | $532,000 | 7,573 |
| Average equity | $75,500 | 7,571 |
| Average total loans | $570,500 | 7,529 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.2088% | 6 |
| Cost of funding earning assets | 8.6474% | 2 |
| Net interest margin | 12.5614% | 17 |
| Noninterest income to average assets | 0.7010% | 2,834 |
| Noninterest expense to average assets | 22.3498% | 39 |
| Loan and lease loss provision to assets | 0.2696% | 4,650 |
| Net operating income to assets | -14.4775% | 7,651 |
| Return on assets (ROA) | -14.4775% | 7,651 |
| Pretax return on assets | -14.4775% | 7,651 |
| Return on Equity (ROE) | 794.3787% | 1 |
| Retained earnings to average equity (ytd only) | 794.3787% | 1 |
| Net charge-offs to loans | 20.4129% | 2 |
| Credit loss provision to net charge-offs | 2.2883% | 6,626 |
| Earnings coverage of net charge-offs (x) | -1.2059% | 6,642 |
| Efficiency ratio | 274.5033% | 36 |
| Assets per employee ($millions) | 0.6955% | 7,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7603% | 67 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 5.5356% | 1,117 |
| Noncurrent loans to loans | 6.7603% | 855 |
| Net loans and leases to total assets | 76.3480% | 1,211 |
| Net loans and leases to deposits | 80.0301% | 3,173 |
| Net loans and leases to core deposits | 80.0301% | 4,217 |
| Total domestic deposits to total assets | 95.3990% | 50 |
| Equity capital to assets | 3.9540% | 7,507 |
| Core capital (leverage) ratio | 2.7862% | 7,573 |
| Tier 1 risk-based capital ratio | 4.0984% | 7,560 |
| Total risk-based capital ratio | 5.4396% | 7,560 |
| Memoranda: | ||
| Average total assets | $3,709,200 | 7,663 |
| Average earning assets | $2,197,200 | 7,657 |
| Average equity | $-67,600 | 7,658 |
| Average total loans | $2,140,800 | 7,603 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.7977% | 6 |
| Cost of funding earning assets | 8.8134% | 2 |
| Net interest margin | 11.9843% | 20 |
| Noninterest income to average assets | 0.3108% | 5,668 |
| Noninterest expense to average assets | 20.5804% | 40 |
| Loan and lease loss provision to assets | 0.3108% | 4,092 |
| Net operating income to assets | -13.6478% | 7,751 |
| Return on assets (ROA) | -13.6478% | 7,751 |
| Pretax return on assets | -13.6478% | 7,751 |
| Return on Equity (ROE) | 595.7455% | 1 |
| Retained earnings to average equity (ytd only) | 595.7455% | 1 |
| Net charge-offs to loans | 20.5186% | 4 |
| Credit loss provision to net charge-offs | 2.7174% | 6,363 |
| Earnings coverage of net charge-offs (x) | -1.1658% | 6,472 |
| Efficiency ratio | 284.1202% | 33 |
| Assets per employee ($millions) | 0.9710% | 7,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.4735% | 20 |
| Loan loss allowance to noncurrent loans | 197.2973% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 3.8105% | 1,865 |
| Noncurrent loans to loans | 5.3085% | 1,274 |
| Net loans and leases to total assets | 64.2636% | 4,067 |
| Net loans and leases to deposits | 55.7890% | 6,630 |
| Net loans and leases to core deposits | 55.7890% | 6,870 |
| Total domestic deposits to total assets | 115.1905% | 1 |
| Equity capital to assets | -16.0659% | 7,761 |
| Core capital (leverage) ratio | -8.1804% | 7,760 |
| Tier 1 risk-based capital ratio | -18.9550% | 7,761 |
| Total risk-based capital ratio | -18.9550% | 7,761 |
| Memoranda: | ||
| Average total assets | $4,288,750 | 7,764 |
| Average earning assets | $2,481,000 | 7,759 |
| Average equity | $-98,250 | 7,761 |
| Average total loans | $2,391,250 | 7,702 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.8934% | 7 |
| Cost of funding earning assets | 8.9729% | 2 |
| Net interest margin | 10.9205% | 26 |
| Noninterest income to average assets | 0.0394% | 7,387 |
| Noninterest expense to average assets | 18.8129% | 42 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -12.5813% | 7,820 |
| Return on assets (ROA) | -12.5813% | 7,820 |
| Pretax return on assets | -12.5813% | 7,819 |
| Return on Equity (ROE) | 2,362.9630% | 1 |
| Retained earnings to average equity (ytd only) | 2,362.9630% | 1 |
| Net charge-offs to loans | 21.8822% | 3 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -1.0705% | 6,131 |
| Efficiency ratio | 301.8987% | 40 |
| Assets per employee ($millions) | 1.4490% | 7,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.2823% | 14 |
| Loan loss allowance to noncurrent loans | 232.9545% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 3.0366% | 2,342 |
| Noncurrent loans to loans | 4.8431% | 1,450 |
| Net loans and leases to total assets | 55.6246% | 5,766 |
| Net loans and leases to deposits | 52.4910% | 6,951 |
| Net loans and leases to core deposits | 52.4910% | 7,113 |
| Total domestic deposits to total assets | 105.9696% | 2 |
| Equity capital to assets | -6.6253% | 7,829 |
| Core capital (leverage) ratio | -3.5017% | 7,830 |
| Tier 1 risk-based capital ratio | -8.6604% | 7,830 |
| Total risk-based capital ratio | -8.6604% | 7,830 |
| Memoranda: | ||
| Average total assets | $5,071,000 | 7,829 |
| Average earning assets | $2,875,330 | 7,825 |
| Average equity | $-27,000 | 7,829 |
| Average total loans | $2,723,670 | 7,766 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.4951% | 7 |
| Cost of funding earning assets | 8.5009% | 2 |
| Net interest margin | 9.9943% | 35 |
| Noninterest income to average assets | -0.1299% | 7,769 |
| Noninterest expense to average assets | 14.8112% | 52 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -9.2895% | 7,887 |
| Return on assets (ROA) | -9.2895% | 7,889 |
| Pretax return on assets | -9.2895% | 7,884 |
| Return on Equity (ROE) | -1,030.6306% | 7,927 |
| Retained earnings to average equity (ytd only) | -1,030.6306% | 7,927 |
| Net charge-offs to loans | 22.2852% | 7 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.8079% | 5,353 |
| Efficiency ratio | 268.2353% | 56 |
| Assets per employee ($millions) | 1.9597% | 7,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.1802% | 10 |
| Loan loss allowance to noncurrent loans | 166.8367% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 3.3339% | 2,137 |
| Noncurrent loans to loans | 7.9000% | 688 |
| Net loans and leases to total assets | 36.6389% | 7,403 |
| Net loans and leases to deposits | 36.8394% | 7,603 |
| Net loans and leases to core deposits | 36.8394% | 7,642 |
| Total domestic deposits to total assets | 99.4557% | 9 |
| Equity capital to assets | -0.2722% | 7,920 |
| Core capital (leverage) ratio | -0.1992% | 7,920 |
| Tier 1 risk-based capital ratio | -0.4778% | 7,922 |
| Total risk-based capital ratio | -0.4778% | 7,922 |
| Memoranda: | ||
| Average total assets | $6,157,500 | 7,927 |
| Average earning assets | $3,482,000 | 7,925 |
| Average equity | $55,500 | 7,926 |
| Average total loans | $3,177,000 | 7,860 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.1012% | 3 |
| Cost of funding earning assets | 5.5685% | 3 |
| Net interest margin | 14.5327% | 7 |
| Noninterest income to average assets | -11.5536% | 8,011 |
| Noninterest expense to average assets | 14.6556% | 62 |
| Loan and lease loss provision to assets | 9.0412% | 23 |
| Net operating income to assets | -24.7906% | 8,009 |
| Return on assets (ROA) | -24.7906% | 8,009 |
| Pretax return on assets | -24.7906% | 8,007 |
| Return on Equity (ROE) | -160.0287% | 7,992 |
| Retained earnings to average equity (ytd only) | -160.0287% | 7,992 |
| Net charge-offs to loans | 15.9026% | 7 |
| Credit loss provision to net charge-offs | 89.8132% | 6,001 |
| Earnings coverage of net charge-offs (x) | -1.5645% | 6,968 |
| Efficiency ratio | -1,339.8438% | 8,012 |
| Assets per employee ($millions) | 1.2872% | 7,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.9873% | 11 |
| Loan loss allowance to noncurrent loans | 228.6364% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 3.4183% | 1,976 |
| Noncurrent loans to loans | 5.6804% | 1,123 |
| Net loans and leases to total assets | 52.3617% | 6,383 |
| Net loans and leases to deposits | 53.8597% | 7,058 |
| Net loans and leases to core deposits | 58.5374% | 7,320 |
| Total domestic deposits to total assets | 97.2188% | 18 |
| Equity capital to assets | 1.9733% | 7,959 |
| Core capital (leverage) ratio | 1.4471% | 7,972 |
| Tier 1 risk-based capital ratio | 2.8323% | 7,951 |
| Total risk-based capital ratio | 4.2150% | 7,948 |
| Memoranda: | ||
| Average total assets | $11,702,000 | 7,952 |
| Average earning assets | $8,422,400 | 7,962 |
| Average equity | $1,812,800 | 7,873 |
| Average total loans | $7,407,600 | 7,808 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.8848% | 3 |
| Cost of funding earning assets | 5.5007% | 2 |
| Net interest margin | 14.3841% | 7 |
| Noninterest income to average assets | 0.1024% | 7,393 |
| Noninterest expense to average assets | 14.1948% | 64 |
| Loan and lease loss provision to assets | 10.1596% | 24 |
| Net operating income to assets | -13.8875% | 8,073 |
| Return on assets (ROA) | -13.8875% | 8,073 |
| Pretax return on assets | -13.8875% | 8,074 |
| Return on Equity (ROE) | -80.9198% | 7,967 |
| Retained earnings to average equity (ytd only) | -80.9198% | 7,966 |
| Net charge-offs to loans | 15.5501% | 15 |
| Credit loss provision to net charge-offs | 102.5853% | 4,959 |
| Earnings coverage of net charge-offs (x) | -0.3764% | 6,408 |
| Efficiency ratio | 135.6164% | 415 |
| Assets per employee ($millions) | 1.1999% | 8,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.1948% | 15 |
| Loan loss allowance to noncurrent loans | 201.5528% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 3.3545% | 2,003 |
| Noncurrent loans to loans | 5.0581% | 1,290 |
| Net loans and leases to total assets | 59.5583% | 5,654 |
| Net loans and leases to deposits | 72.6245% | 5,564 |
| Net loans and leases to core deposits | 79.7128% | 6,381 |
| Total domestic deposits to total assets | 82.0085% | 4,676 |
| Equity capital to assets | 17.4185% | 572 |
| Core capital (leverage) ratio | 14.9767% | 862 |
| Tier 1 risk-based capital ratio | 20.6038% | 1,440 |
| Total risk-based capital ratio | 21.9347% | 1,380 |
| Memoranda: | ||
| Average total assets | $13,018,500 | 8,013 |
| Average earning assets | $9,380,500 | 8,035 |
| Average equity | $2,234,250 | 7,873 |
| Average total loans | $8,291,250 | 7,850 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.9770% | 4 |
| Cost of funding earning assets | 5.5809% | 3 |
| Net interest margin | 14.3961% | 8 |
| Noninterest income to average assets | 0.1271% | 7,338 |
| Noninterest expense to average assets | 13.7022% | 73 |
| Loan and lease loss provision to assets | 10.5521% | 25 |
| Net operating income to assets | -13.8152% | 8,156 |
| Return on assets (ROA) | -13.8152% | 8,150 |
| Pretax return on assets | -13.8152% | 8,151 |
| Return on Equity (ROE) | -80.7707% | 8,042 |
| Retained earnings to average equity (ytd only) | -80.7707% | 8,041 |
| Net charge-offs to loans | 16.6573% | 20 |
| Credit loss provision to net charge-offs | 100.4032% | 4,547 |
| Earnings coverage of net charge-offs (x) | -0.3105% | 5,960 |
| Efficiency ratio | 131.2585% | 516 |
| Assets per employee ($millions) | 1.7161% | 8,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7724% | 26 |
| Loan loss allowance to noncurrent loans | 187.9880% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 2.7720% | 2,324 |
| Noncurrent loans to loans | 4.6665% | 1,362 |
| Net loans and leases to total assets | 54.1913% | 6,422 |
| Net loans and leases to deposits | 65.6250% | 6,424 |
| Net loans and leases to core deposits | 70.6074% | 6,989 |
| Total domestic deposits to total assets | 82.5772% | 4,439 |
| Equity capital to assets | 17.0565% | 656 |
| Core capital (leverage) ratio | 14.8564% | 952 |
| Tier 1 risk-based capital ratio | 21.9685% | 1,263 |
| Total risk-based capital ratio | 23.2872% | 1,221 |
| Memoranda: | ||
| Average total assets | $14,158,330 | 8,086 |
| Average earning assets | $10,141,670 | 8,111 |
| Average equity | $2,421,670 | 7,898 |
| Average total loans | $8,933,000 | 7,908 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.7526% | 5 |
| Cost of funding earning assets | 5.3609% | 4 |
| Net interest margin | 14.3917% | 9 |
| Noninterest income to average assets | 0.2101% | 6,788 |
| Noninterest expense to average assets | 14.4705% | 72 |
| Loan and lease loss provision to assets | 18.2522% | 12 |
| Net operating income to assets | -22.0077% | 8,227 |
| Return on assets (ROA) | -22.0077% | 8,221 |
| Pretax return on assets | -22.0077% | 8,219 |
| Return on Equity (ROE) | -128.5276% | 8,169 |
| Retained earnings to average equity (ytd only) | -128.5276% | 8,167 |
| Net charge-offs to loans | 12.8159% | 35 |
| Credit loss provision to net charge-offs | 220.6349% | 2,047 |
| Earnings coverage of net charge-offs (x) | -0.4540% | 5,234 |
| Efficiency ratio | 135.0490% | 457 |
| Assets per employee ($millions) | 2.0807% | 7,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.7303% | 9 |
| Loan loss allowance to noncurrent loans | 159.3651% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 4.3254% | 1,133 |
| Noncurrent loans to loans | 7.3607% | 519 |
| Net loans and leases to total assets | 51.8709% | 6,698 |
| Net loans and leases to deposits | 61.2783% | 6,785 |
| Net loans and leases to core deposits | 67.2811% | 7,176 |
| Total domestic deposits to total assets | 84.6481% | 3,392 |
| Equity capital to assets | 15.0292% | 1,095 |
| Core capital (leverage) ratio | 13.6123% | 1,289 |
| Tier 1 risk-based capital ratio | 20.1900% | 1,585 |
| Total risk-based capital ratio | 21.5366% | 1,528 |
| Memoranda: | ||
| Average total assets | $15,231,000 | 8,112 |
| Average earning assets | $11,117,500 | 8,149 |
| Average equity | $2,608,000 | 7,905 |
| Average total loans | $9,831,500 | 7,918 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.3791% | 7 |
| Cost of funding earning assets | 5.0114% | 3 |
| Net interest margin | 14.3677% | 8 |
| Noninterest income to average assets | 0.0753% | 7,764 |
| Noninterest expense to average assets | 11.5179% | 115 |
| Loan and lease loss provision to assets | 6.4057% | 48 |
| Net operating income to assets | -6.1935% | 8,161 |
| Return on assets (ROA) | -6.1935% | 8,153 |
| Pretax return on assets | -6.1935% | 8,115 |
| Return on Equity (ROE) | -36.5686% | 8,041 |
| Retained earnings to average equity (ytd only) | -36.5686% | 8,004 |
| Net charge-offs to loans | 4.1522% | 152 |
| Credit loss provision to net charge-offs | 197.4684% | 2,478 |
| Earnings coverage of net charge-offs (x) | 0.0654% | 6,209 |
| Efficiency ratio | 98.1914% | 1,057 |
| Assets per employee ($millions) | 1.9871% | 7,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6196% | 69 |
| Loan loss allowance to noncurrent loans | 134.7732% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 2.9125% | 1,592 |
| Noncurrent loans to loans | 4.1697% | 1,165 |
| Net loans and leases to total assets | 65.9244% | 4,862 |
| Net loans and leases to deposits | 81.7345% | 4,764 |
| Net loans and leases to core deposits | 89.4045% | 5,854 |
| Total domestic deposits to total assets | 80.6567% | 4,788 |
| Equity capital to assets | 19.0413% | 541 |
| Core capital (leverage) ratio | 19.3517% | 482 |
| Tier 1 risk-based capital ratio | 22.3181% | 1,276 |
| Total risk-based capital ratio | 23.6083% | 1,242 |
| Memoranda: | ||
| Average total assets | $14,612,000 | 8,175 |
| Average earning assets | $11,853,000 | 8,189 |
| Average equity | $2,474,800 | 8,001 |
| Average total loans | $11,415,600 | 7,868 |