Home > CrossFirst Bank Leawood > Performance and Condition Ratios
CrossFirst Bank Leawood, 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 | 5.9981% | 462 |
| Cost of funding earning assets | 1.6875% | 415 |
| Net interest margin | 4.3106% | 1,677 |
| Noninterest income to average assets | 0.4650% | 4,171 |
| Noninterest expense to average assets | 1.6312% | 7,156 |
| Loan and lease loss provision to assets | 0.5175% | 1,917 |
| Net operating income to assets | 4.8875% | 42 |
| Return on assets (ROA) | 4.8303% | 44 |
| Pretax return on assets | 1.9525% | 685 |
| Return on Equity (ROE) | 42.6498% | 21 |
| Retained earnings to average equity (ytd only) | 42.6498% | 11 |
| Net charge-offs to loans | 0.5709% | 2,532 |
| Credit loss provision to net charge-offs | 200.5988% | 1,453 |
| Earnings coverage of net charge-offs (x) | 9.7965% | 2,002 |
| Efficiency ratio | 38.5587% | 7,278 |
| Assets per employee ($millions) | 13.1543% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7816% | 6,849 |
| Loan loss allowance to noncurrent loans | 406.0606% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 6,155 |
| Noncurrent loans to loans | 0.1925% | 6,483 |
| Net loans and leases to total assets | 36.9450% | 6,825 |
| Net loans and leases to deposits | 48.7951% | 6,577 |
| Net loans and leases to core deposits | 51.8780% | 6,575 |
| Total domestic deposits to total assets | 75.7146% | 6,559 |
| Equity capital to assets | 12.2394% | 2,062 |
| Core capital (leverage) ratio | 10.6947% | 2,670 |
| Tier 1 risk-based capital ratio | 17.7177% | 2,358 |
| Total risk-based capital ratio | 18.2233% | 2,616 |
| Memoranda: | ||
| Average total assets | $86,313,250 | 5,319 |
| Average earning assets | $73,955,500 | 5,446 |
| Average equity | $9,775,500 | 5,100 |
| Average total loans | $39,004,750 | 5,788 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6114% | 1,054 |
| Cost of funding earning assets | 1.6630% | 547 |
| Net interest margin | 3.9485% | 3,093 |
| Noninterest income to average assets | 0.6754% | 2,680 |
| Noninterest expense to average assets | 1.6139% | 7,248 |
| Loan and lease loss provision to assets | 0.6873% | 1,389 |
| Net operating income to assets | 6.0243% | 40 |
| Return on assets (ROA) | 5.9390% | 41 |
| Pretax return on assets | 1.6708% | 1,109 |
| Return on Equity (ROE) | 54.0242% | 17 |
| Retained earnings to average equity (ytd only) | 54.0242% | 11 |
| Net charge-offs to loans | 0.8576% | 1,795 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 5.9253% | 2,507 |
| Efficiency ratio | 39.0771% | 7,348 |
| Assets per employee ($millions) | 17.2286% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5882% | 7,152 |
| Loan loss allowance to noncurrent loans | 183.0508% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.8161% | 5,250 |
| Noncurrent loans to loans | 0.3213% | 6,269 |
| Net loans and leases to total assets | 42.3819% | 6,567 |
| Net loans and leases to deposits | 56.5742% | 6,084 |
| Net loans and leases to core deposits | 59.1507% | 6,176 |
| Total domestic deposits to total assets | 74.9138% | 6,733 |
| Equity capital to assets | 12.1391% | 2,002 |
| Core capital (leverage) ratio | 10.3740% | 2,855 |
| Tier 1 risk-based capital ratio | 16.7133% | 2,645 |
| Total risk-based capital ratio | 17.1277% | 3,013 |
| Memoranda: | ||
| Average total assets | $84,391,000 | 5,416 |
| Average earning assets | $72,281,000 | 5,546 |
| Average equity | $9,277,330 | 5,245 |
| Average total loans | $40,577,330 | 5,777 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4365% | 1,458 |
| Cost of funding earning assets | 1.6092% | 790 |
| Net interest margin | 3.8273% | 3,480 |
| Noninterest income to average assets | 1.2453% | 817 |
| Noninterest expense to average assets | 2.0164% | 6,806 |
| Loan and lease loss provision to assets | 1.1016% | 664 |
| Net operating income to assets | 10.7382% | 19 |
| Return on assets (ROA) | 10.6616% | 19 |
| Pretax return on assets | 1.4225% | 1,666 |
| Return on Equity (ROE) | 102.4921% | 9 |
| Retained earnings to average equity (ytd only) | 102.4921% | 6 |
| Net charge-offs to loans | 1.2893% | 1,074 |
| Credit loss provision to net charge-offs | 167.8832% | 1,716 |
| Earnings coverage of net charge-offs (x) | 3.9635% | 2,596 |
| Efficiency ratio | 43.0498% | 7,317 |
| Assets per employee ($millions) | 9.5226% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4662% | 7,304 |
| Loan loss allowance to noncurrent loans | 521.6216% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.2310% | 6,598 |
| Noncurrent loans to loans | 0.0894% | 6,824 |
| Net loans and leases to total assets | 48.0823% | 6,068 |
| Net loans and leases to deposits | 63.4116% | 5,336 |
| Net loans and leases to core deposits | 66.2710% | 5,482 |
| Total domestic deposits to total assets | 75.8258% | 6,696 |
| Equity capital to assets | 11.5013% | 2,267 |
| Core capital (leverage) ratio | 9.8727% | 3,309 |
| Tier 1 risk-based capital ratio | 14.8481% | 3,507 |
| Total risk-based capital ratio | 15.2011% | 4,079 |
| Memoranda: | ||
| Average total assets | $83,515,000 | 5,481 |
| Average earning assets | $73,577,000 | 5,553 |
| Average equity | $8,687,500 | 5,412 |
| Average total loans | $42,503,500 | 5,730 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3135% | 7,441 |
| Cost of funding earning assets | 0.9202% | 6,083 |
| Net interest margin | 2.3933% | 7,322 |
| Noninterest income to average assets | 0.0664% | 7,035 |
| Noninterest expense to average assets | 1.2516% | 7,537 |
| Loan and lease loss provision to assets | 0.1441% | 5,741 |
| Net operating income to assets | 0.7041% | 3,216 |
| Return on assets (ROA) | 0.6840% | 3,416 |
| Pretax return on assets | 0.6840% | 4,029 |
| Return on Equity (ROE) | 7.9124% | 2,732 |
| Retained earnings to average equity (ytd only) | 7.9124% | 1,009 |
| Net charge-offs to loans | 0.0300% | 6,508 |
| Credit loss provision to net charge-offs | 766.6667% | 282 |
| Earnings coverage of net charge-offs (x) | 45.1333% | 512 |
| Efficiency ratio | 58.8902% | 6,218 |
| Assets per employee ($millions) | 9.0363% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2293% | 7,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 53.4951% | 5,702 |
| Net loans and leases to deposits | 69.1395% | 4,941 |
| Net loans and leases to core deposits | 70.0072% | 5,443 |
| Total domestic deposits to total assets | 77.3728% | 6,423 |
| Equity capital to assets | 9.2442% | 4,765 |
| Core capital (leverage) ratio | 9.4617% | 3,752 |
| Tier 1 risk-based capital ratio | 13.6906% | 4,067 |
| Total risk-based capital ratio | 13.8708% | 4,900 |
| Memoranda: | ||
| Average total assets | $79,820,800 | 5,599 |
| Average earning assets | $67,813,800 | 5,743 |
| Average equity | $6,900,600 | 6,067 |
| Average total loans | $50,036,400 | 5,483 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8865% | 7,694 |
| Cost of funding earning assets | 0.6342% | 7,214 |
| Net interest margin | 1.2523% | 7,690 |
| Noninterest income to average assets | 0.0252% | 7,380 |
| Noninterest expense to average assets | 0.7183% | 7,721 |
| Loan and lease loss provision to assets | 0.0235% | 6,827 |
| Net operating income to assets | 0.3306% | 5,044 |
| Return on assets (ROA) | 0.3306% | 5,216 |
| Pretax return on assets | 0.3306% | 5,422 |
| Return on Equity (ROE) | 3.8934% | 4,828 |
| Retained earnings to average equity (ytd only) | 3.8934% | 3,727 |
| Net charge-offs to loans | -0.0052% | 7,212 |
| Credit loss provision to net charge-offs | -700.0000% | 7,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9797% | 4,657 |
| Assets per employee ($millions) | 8.4933% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0368% | 7,681 |
| Loan loss allowance to noncurrent loans | 160.0000% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 7,334 |
| Noncurrent loans to loans | 0.0230% | 7,200 |
| Net loans and leases to total assets | 56.8197% | 5,436 |
| Net loans and leases to deposits | 74.7517% | 4,390 |
| Net loans and leases to core deposits | 75.9159% | 5,068 |
| Total domestic deposits to total assets | 76.0113% | 6,654 |
| Equity capital to assets | 9.1588% | 5,371 |
| Core capital (leverage) ratio | 8.7383% | 5,124 |
| Tier 1 risk-based capital ratio | 12.2270% | 5,240 |
| Total risk-based capital ratio | 12.2560% | 6,357 |
| Memoranda: | ||
| Average total assets | $79,444,250 | 5,676 |
| Average earning assets | $66,435,250 | 5,849 |
| Average equity | $6,746,250 | 6,201 |
| Average total loans | $51,644,000 | 5,497 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 7,830 |
| Cost of funding earning assets | 0.0000% | 7,814 |
| Net interest margin | 0.0000% | 7,823 |
| Noninterest income to average assets | 0.0000% | 7,524 |
| Noninterest expense to average assets | 0.0000% | 7,827 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0000% | 6,082 |
| Return on assets (ROA) | 0.0000% | 6,188 |
| Pretax return on assets | 0.0000% | 6,153 |
| Return on Equity (ROE) | 0.0000% | 6,190 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,729 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 6.9440% | 792 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,760 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,334 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 7,286 |
| Noncurrent loans to loans | 0.0702% | 7,137 |
| Net loans and leases to total assets | 59.6918% | 5,123 |
| Net loans and leases to deposits | 77.4385% | 4,094 |
| Net loans and leases to core deposits | 93.9406% | 2,722 |
| Total domestic deposits to total assets | 77.0829% | 6,485 |
| Equity capital to assets | 7.8236% | 6,903 |
| Core capital (leverage) ratio | 7.5340% | 6,800 |
| Tier 1 risk-based capital ratio | 12.0002% | 5,311 |
| Total risk-based capital ratio | 12.0002% | 6,470 |
| Memoranda: | ||
| Average total assets | $80,445,670 | 5,687 |
| Average earning assets | $66,557,000 | 5,884 |
| Average equity | $6,661,330 | 6,249 |
| Average total loans | $54,375,670 | 5,402 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3158% | 3,467 |
| Cost of funding earning assets | 2.9663% | 52 |
| Net interest margin | 2.3495% | 7,563 |
| Noninterest income to average assets | 0.0485% | 7,471 |
| Noninterest expense to average assets | 3.4531% | 2,098 |
| Loan and lease loss provision to assets | 1.9642% | 566 |
| Net operating income to assets | -3.3416% | 7,664 |
| Return on assets (ROA) | -3.3416% | 7,664 |
| Pretax return on assets | -3.3367% | 7,627 |
| Return on Equity (ROE) | -39.3489% | 7,646 |
| Retained earnings to average equity (ytd only) | -39.3489% | 7,629 |
| Net charge-offs to loans | 3.7232% | 373 |
| Credit loss provision to net charge-offs | 74.0402% | 4,012 |
| Earnings coverage of net charge-offs (x) | -0.5174% | 5,285 |
| Efficiency ratio | 165.9674% | 161 |
| Assets per employee ($millions) | 5.1539% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2327% | 679 |
| Loan loss allowance to noncurrent loans | 44.2647% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 6.9559% | 776 |
| Noncurrent loans to loans | 7.3031% | 799 |
| Net loans and leases to total assets | 66.5385% | 3,739 |
| Net loans and leases to deposits | 84.1188% | 2,920 |
| Net loans and leases to core deposits | 94.9504% | 2,707 |
| Total domestic deposits to total assets | 79.1007% | 6,051 |
| Equity capital to assets | 8.1917% | 6,440 |
| Core capital (leverage) ratio | 8.1356% | 6,014 |
| Tier 1 risk-based capital ratio | 11.1951% | 5,968 |
| Total risk-based capital ratio | 12.4688% | 5,891 |
| Memoranda: | ||
| Average total assets | $82,476,500 | 5,683 |
| Average earning assets | $71,334,500 | 5,806 |
| Average equity | $7,004,000 | 6,187 |
| Average total loans | $58,766,000 | 5,304 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2039% | 5,632 |
| Cost of funding earning assets | 3.5082% | 41 |
| Net interest margin | 1.6956% | 7,833 |
| Noninterest income to average assets | -0.2387% | 7,874 |
| Noninterest expense to average assets | 4.0529% | 1,298 |
| Loan and lease loss provision to assets | 1.1095% | 2,063 |
| Net operating income to assets | -5.2860% | 7,783 |
| Return on assets (ROA) | -5.2860% | 7,772 |
| Pretax return on assets | -3.9441% | 7,514 |
| Return on Equity (ROE) | -50.5263% | 7,686 |
| Retained earnings to average equity (ytd only) | -50.5263% | 7,678 |
| Net charge-offs to loans | 4.4320% | 336 |
| Credit loss provision to net charge-offs | 33.1872% | 6,880 |
| Earnings coverage of net charge-offs (x) | -0.8478% | 6,848 |
| Efficiency ratio | 332.6460% | 56 |
| Assets per employee ($millions) | 5.1557% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2468% | 636 |
| Loan loss allowance to noncurrent loans | 40.7133% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 9.8447% | 377 |
| Noncurrent loans to loans | 7.9747% | 632 |
| Net loans and leases to total assets | 71.3472% | 2,919 |
| Net loans and leases to deposits | 90.8579% | 2,074 |
| Net loans and leases to core deposits | 118.0168% | 2,128 |
| Total domestic deposits to total assets | 78.5261% | 6,111 |
| Equity capital to assets | 8.7925% | 5,455 |
| Core capital (leverage) ratio | 8.0552% | 6,075 |
| Tier 1 risk-based capital ratio | 11.3479% | 5,567 |
| Total risk-based capital ratio | 12.6210% | 5,493 |
| Memoranda: | ||
| Average total assets | $95,535,400 | 5,224 |
| Average earning assets | $82,092,600 | 5,390 |
| Average equity | $9,994,800 | 5,296 |
| Average total loans | $72,067,200 | 4,799 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1375% | 6,151 |
| Cost of funding earning assets | 3.5628% | 53 |
| Net interest margin | 1.5747% | 7,937 |
| Noninterest income to average assets | 0.0013% | 7,830 |
| Noninterest expense to average assets | 3.1201% | 3,580 |
| Loan and lease loss provision to assets | 1.0918% | 1,791 |
| Net operating income to assets | -2.3266% | 7,421 |
| Return on assets (ROA) | -2.3266% | 7,410 |
| Pretax return on assets | -2.8583% | 7,462 |
| Return on Equity (ROE) | -21.5221% | 7,428 |
| Retained earnings to average equity (ytd only) | -21.5221% | 7,395 |
| Net charge-offs to loans | 3.4954% | 426 |
| Credit loss provision to net charge-offs | 41.2124% | 6,409 |
| Earnings coverage of net charge-offs (x) | -0.6668% | 6,551 |
| Efficiency ratio | 230.5085% | 104 |
| Assets per employee ($millions) | 5.0549% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4254% | 221 |
| Loan loss allowance to noncurrent loans | 41.6139% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 14.4492% | 134 |
| Noncurrent loans to loans | 10.6344% | 351 |
| Net loans and leases to total assets | 70.1400% | 3,476 |
| Net loans and leases to deposits | 93.0795% | 2,046 |
| Net loans and leases to core deposits | 119.6771% | 2,274 |
| Total domestic deposits to total assets | 75.3550% | 6,705 |
| Equity capital to assets | 10.6794% | 3,312 |
| Core capital (leverage) ratio | 8.8878% | 4,830 |
| Tier 1 risk-based capital ratio | 11.3872% | 5,550 |
| Total risk-based capital ratio | 12.6726% | 5,447 |
| Memoranda: | ||
| Average total assets | $98,796,500 | 5,157 |
| Average earning assets | $84,838,250 | 5,345 |
| Average equity | $10,680,250 | 5,150 |
| Average total loans | $74,876,500 | 4,738 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1059% | 6,410 |
| Cost of funding earning assets | 3.5877% | 78 |
| Net interest margin | 1.5182% | 8,013 |
| Noninterest income to average assets | -0.1262% | 8,046 |
| Noninterest expense to average assets | 2.7180% | 5,311 |
| Loan and lease loss provision to assets | 0.2643% | 4,463 |
| Net operating income to assets | -1.4576% | 7,224 |
| Return on assets (ROA) | -1.4576% | 7,229 |
| Pretax return on assets | -1.7890% | 7,214 |
| Return on Equity (ROE) | -13.4347% | 7,248 |
| Retained earnings to average equity (ytd only) | -13.4347% | 7,149 |
| Net charge-offs to loans | 3.7769% | 390 |
| Credit loss provision to net charge-offs | 9.1468% | 6,194 |
| Earnings coverage of net charge-offs (x) | -0.5276% | 6,086 |
| Efficiency ratio | 227.7686% | 144 |
| Assets per employee ($millions) | 4.8694% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8822% | 286 |
| Loan loss allowance to noncurrent loans | 64.0683% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 9.3514% | 348 |
| Noncurrent loans to loans | 6.0595% | 899 |
| Net loans and leases to total assets | 70.6244% | 3,546 |
| Net loans and leases to deposits | 92.8167% | 2,316 |
| Net loans and leases to core deposits | 119.4868% | 2,414 |
| Total domestic deposits to total assets | 76.0902% | 6,524 |
| Equity capital to assets | 10.9327% | 2,984 |
| Core capital (leverage) ratio | 9.3172% | 4,142 |
| Tier 1 risk-based capital ratio | 12.1601% | 4,795 |
| Total risk-based capital ratio | 13.4399% | 4,675 |
| Memoranda: | ||
| Average total assets | $101,399,330 | 5,125 |
| Average earning assets | $88,133,330 | 5,258 |
| Average equity | $11,001,330 | 5,087 |
| Average total loans | $77,577,330 | 4,672 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0933% | 6,663 |
| Cost of funding earning assets | 3.6355% | 103 |
| Net interest margin | 1.4577% | 8,071 |
| Noninterest income to average assets | 0.1393% | 7,302 |
| Noninterest expense to average assets | 2.7852% | 4,619 |
| Loan and lease loss provision to assets | 0.5183% | 2,393 |
| Net operating income to assets | -1.5318% | 7,508 |
| Return on assets (ROA) | -1.5318% | 7,511 |
| Pretax return on assets | -1.8877% | 7,500 |
| Return on Equity (ROE) | -14.1701% | 7,572 |
| Retained earnings to average equity (ytd only) | -14.1701% | 7,391 |
| Net charge-offs to loans | 2.9533% | 430 |
| Credit loss provision to net charge-offs | 22.5210% | 5,049 |
| Earnings coverage of net charge-offs (x) | -0.5950% | 5,283 |
| Efficiency ratio | 196.7213% | 193 |
| Assets per employee ($millions) | 5.5032% | 1,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6934% | 129 |
| Loan loss allowance to noncurrent loans | 44.3742% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 11.6938% | 151 |
| Noncurrent loans to loans | 10.5769% | 254 |
| Net loans and leases to total assets | 70.8474% | 3,504 |
| Net loans and leases to deposits | 97.3021% | 1,767 |
| Net loans and leases to core deposits | 128.1848% | 1,768 |
| Total domestic deposits to total assets | 72.8118% | 7,082 |
| Equity capital to assets | 10.5145% | 3,449 |
| Core capital (leverage) ratio | 9.3928% | 4,117 |
| Tier 1 risk-based capital ratio | 12.0681% | 4,906 |
| Total risk-based capital ratio | 13.3596% | 4,765 |
| Memoranda: | ||
| Average total assets | $103,405,500 | 5,087 |
| Average earning assets | $90,551,000 | 5,202 |
| Average equity | $11,178,500 | 5,060 |
| Average total loans | $80,587,500 | 4,595 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3743% | 3,552 |
| Cost of funding earning assets | 3.8707% | 151 |
| Net interest margin | 2.5036% | 7,748 |
| Noninterest income to average assets | 0.0517% | 7,881 |
| Noninterest expense to average assets | 2.9412% | 4,295 |
| Loan and lease loss provision to assets | 4.4362% | 136 |
| Net operating income to assets | -3.1472% | 7,857 |
| Return on assets (ROA) | -3.0387% | 7,805 |
| Pretax return on assets | -4.8397% | 8,004 |
| Return on Equity (ROE) | -25.5511% | 7,872 |
| Retained earnings to average equity (ytd only) | -25.5511% | 7,817 |
| Net charge-offs to loans | 2.8585% | 318 |
| Credit loss provision to net charge-offs | 187.4022% | 2,651 |
| Earnings coverage of net charge-offs (x) | -0.2421% | 6,393 |
| Efficiency ratio | 124.1975% | 528 |
| Assets per employee ($millions) | 5.1126% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9240% | 100 |
| Loan loss allowance to noncurrent loans | 46.5187% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 11.2566% | 118 |
| Noncurrent loans to loans | 10.5849% | 185 |
| Net loans and leases to total assets | 77.5934% | 2,235 |
| Net loans and leases to deposits | 108.0735% | 967 |
| Net loans and leases to core deposits | 140.9411% | 1,217 |
| Total domestic deposits to total assets | 71.7969% | 7,037 |
| Equity capital to assets | 11.1128% | 2,953 |
| Core capital (leverage) ratio | 10.1207% | 3,343 |
| Tier 1 risk-based capital ratio | 11.7403% | 5,023 |
| Total risk-based capital ratio | 13.0350% | 4,905 |
| Memoranda: | ||
| Average total assets | $102,610,400 | 4,972 |
| Average earning assets | $94,944,200 | 4,949 |
| Average equity | $12,203,000 | 4,777 |
| Average total loans | $84,974,600 | 4,365 |