Home > Decatur First Bank > Performance and Condition Ratios
Decatur 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 | 4.3508% | 5,772 |
| Cost of funding earning assets | 1.4949% | 884 |
| Net interest margin | 2.8559% | 6,817 |
| Noninterest income to average assets | -0.7508% | 7,389 |
| Noninterest expense to average assets | 3.5885% | 1,733 |
| Loan and lease loss provision to assets | 1.8267% | 326 |
| Net operating income to assets | -3.6796% | 7,313 |
| Return on assets (ROA) | -3.5513% | 7,308 |
| Pretax return on assets | -3.5513% | 7,306 |
| Return on Equity (ROE) | -239.0024% | 7,426 |
| Retained earnings to average equity (ytd only) | -239.0024% | 7,426 |
| Net charge-offs to loans | 3.2932% | 256 |
| Credit loss provision to net charge-offs | 100.5317% | 3,346 |
| Earnings coverage of net charge-offs (x) | -1.0197% | 5,932 |
| Efficiency ratio | 206.7594% | 45 |
| Assets per employee ($millions) | 5.1319% | 2,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1851% | 732 |
| Loan loss allowance to noncurrent loans | 41.6178% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 11.9166% | 235 |
| Noncurrent loans to loans | 7.6533% | 605 |
| Net loans and leases to total assets | 50.1965% | 5,680 |
| Net loans and leases to deposits | 53.9043% | 6,220 |
| Net loans and leases to core deposits | 56.1705% | 6,300 |
| Total domestic deposits to total assets | 93.1215% | 127 |
| Equity capital to assets | 0.8731% | 7,427 |
| Core capital (leverage) ratio | 0.4765% | 7,430 |
| Tier 1 risk-based capital ratio | 0.7257% | 7,430 |
| Total risk-based capital ratio | 1.3784% | 7,430 |
| Memoranda: | ||
| Average total assets | $193,203,500 | 3,156 |
| Average earning assets | $168,208,750 | 3,286 |
| Average equity | $2,870,750 | 7,102 |
| Average total loans | $106,600,250 | 3,493 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 6,051 |
| Cost of funding earning assets | 1.5358% | 876 |
| Net interest margin | 2.7539% | 6,971 |
| Noninterest income to average assets | -1.4876% | 7,493 |
| Noninterest expense to average assets | 3.2803% | 2,634 |
| Loan and lease loss provision to assets | 2.2579% | 247 |
| Net operating income to assets | -4.6199% | 7,426 |
| Return on assets (ROA) | -4.5097% | 7,425 |
| Pretax return on assets | -4.5097% | 7,419 |
| Return on Equity (ROE) | -268.6930% | 7,497 |
| Retained earnings to average equity (ytd only) | -268.6930% | 7,497 |
| Net charge-offs to loans | 3.9672% | 205 |
| Credit loss provision to net charge-offs | 101.2351% | 3,065 |
| Earnings coverage of net charge-offs (x) | -1.0590% | 5,640 |
| Efficiency ratio | 357.2222% | 15 |
| Assets per employee ($millions) | 5.3196% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9649% | 923 |
| Loan loss allowance to noncurrent loans | 41.0724% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 10.8478% | 324 |
| Noncurrent loans to loans | 7.2187% | 695 |
| Net loans and leases to total assets | 52.3639% | 5,521 |
| Net loans and leases to deposits | 55.9605% | 6,140 |
| Net loans and leases to core deposits | 58.1267% | 6,262 |
| Total domestic deposits to total assets | 93.5730% | 98 |
| Equity capital to assets | 0.8475% | 7,499 |
| Core capital (leverage) ratio | 0.8421% | 7,497 |
| Tier 1 risk-based capital ratio | 1.2417% | 7,497 |
| Total risk-based capital ratio | 2.4396% | 7,497 |
| Memoranda: | ||
| Average total assets | $196,021,330 | 3,135 |
| Average earning assets | $171,245,670 | 3,256 |
| Average equity | $3,290,000 | 7,043 |
| Average total loans | $110,204,000 | 3,450 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2069% | 6,267 |
| Cost of funding earning assets | 1.5578% | 955 |
| Net interest margin | 2.6491% | 7,077 |
| Noninterest income to average assets | 0.2582% | 5,830 |
| Noninterest expense to average assets | 3.3105% | 2,526 |
| Loan and lease loss provision to assets | 0.1574% | 4,056 |
| Net operating income to assets | -0.8836% | 7,003 |
| Return on assets (ROA) | -0.8352% | 6,980 |
| Pretax return on assets | -0.8352% | 6,938 |
| Return on Equity (ROE) | -40.1601% | 7,376 |
| Retained earnings to average equity (ytd only) | -40.1601% | 7,358 |
| Net charge-offs to loans | 1.0771% | 1,275 |
| Credit loss provision to net charge-offs | 25.4902% | 4,190 |
| Earnings coverage of net charge-offs (x) | -1.1765% | 4,912 |
| Efficiency ratio | 128.1030% | 274 |
| Assets per employee ($millions) | 5.5215% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5458% | 1,394 |
| Loan loss allowance to noncurrent loans | 24.0044% | 6,609 |
| Noncurrent assets plus other real estate owned to assets | 12.4226% | 243 |
| Noncurrent loans to loans | 10.6056% | 356 |
| Net loans and leases to total assets | 54.0958% | 5,289 |
| Net loans and leases to deposits | 58.8169% | 5,848 |
| Net loans and leases to core deposits | 61.6615% | 5,955 |
| Total domestic deposits to total assets | 91.9733% | 297 |
| Equity capital to assets | 2.1215% | 7,527 |
| Core capital (leverage) ratio | 2.4737% | 7,505 |
| Tier 1 risk-based capital ratio | 3.5873% | 7,502 |
| Total risk-based capital ratio | 4.7973% | 7,503 |
| Memoranda: | ||
| Average total assets | $198,280,000 | 3,139 |
| Average earning assets | $174,094,000 | 3,233 |
| Average equity | $4,123,500 | 6,839 |
| Average total loans | $113,634,500 | 3,397 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3722% | 6,668 |
| Cost of funding earning assets | 1.9221% | 784 |
| Net interest margin | 2.4501% | 7,299 |
| Noninterest income to average assets | -1.2749% | 7,636 |
| Noninterest expense to average assets | 3.2869% | 2,775 |
| Loan and lease loss provision to assets | 1.5917% | 905 |
| Net operating income to assets | -3.9828% | 7,437 |
| Return on assets (ROA) | -3.5871% | 7,402 |
| Pretax return on assets | -3.5871% | 7,384 |
| Return on Equity (ROE) | -103.0430% | 7,596 |
| Retained earnings to average equity (ytd only) | -103.0430% | 7,596 |
| Net charge-offs to loans | 3.2123% | 489 |
| Credit loss provision to net charge-offs | 85.2207% | 5,333 |
| Earnings coverage of net charge-offs (x) | -1.2802% | 6,649 |
| Efficiency ratio | 366.9335% | 19 |
| Assets per employee ($millions) | 5.4940% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5973% | 1,294 |
| Loan loss allowance to noncurrent loans | 29.5227% | 6,322 |
| Noncurrent assets plus other real estate owned to assets | 11.3103% | 324 |
| Noncurrent loans to loans | 8.7975% | 540 |
| Net loans and leases to total assets | 57.5848% | 5,091 |
| Net loans and leases to deposits | 62.9256% | 5,753 |
| Net loans and leases to core deposits | 66.1240% | 5,864 |
| Total domestic deposits to total assets | 91.5125% | 396 |
| Equity capital to assets | 2.0376% | 7,613 |
| Core capital (leverage) ratio | 2.3113% | 7,590 |
| Tier 1 risk-based capital ratio | 3.4020% | 7,589 |
| Total risk-based capital ratio | 4.5906% | 7,592 |
| Memoranda: | ||
| Average total assets | $223,160,800 | 2,828 |
| Average earning assets | $197,704,000 | 2,909 |
| Average equity | $7,768,600 | 5,787 |
| Average total loans | $129,751,400 | 3,126 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3312% | 6,927 |
| Cost of funding earning assets | 1.9527% | 871 |
| Net interest margin | 2.3786% | 7,451 |
| Noninterest income to average assets | 0.2974% | 5,759 |
| Noninterest expense to average assets | 4.8248% | 438 |
| Loan and lease loss provision to assets | 1.7620% | 711 |
| Net operating income to assets | -4.1805% | 7,584 |
| Return on assets (ROA) | -3.7413% | 7,559 |
| Pretax return on assets | -3.7413% | 7,535 |
| Return on Equity (ROE) | -98.6580% | 7,692 |
| Retained earnings to average equity (ytd only) | -98.6580% | 7,692 |
| Net charge-offs to loans | 3.3815% | 417 |
| Credit loss provision to net charge-offs | 89.9466% | 4,768 |
| Earnings coverage of net charge-offs (x) | -1.2346% | 6,478 |
| Efficiency ratio | 200.5070% | 84 |
| Assets per employee ($millions) | 5.8495% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7604% | 1,030 |
| Loan loss allowance to noncurrent loans | 32.8249% | 6,150 |
| Noncurrent assets plus other real estate owned to assets | 11.0175% | 328 |
| Noncurrent loans to loans | 8.4095% | 593 |
| Net loans and leases to total assets | 55.4370% | 5,631 |
| Net loans and leases to deposits | 61.1472% | 6,202 |
| Net loans and leases to core deposits | 64.8417% | 6,225 |
| Total domestic deposits to total assets | 90.6616% | 564 |
| Equity capital to assets | 2.7714% | 7,702 |
| Core capital (leverage) ratio | 2.4847% | 7,700 |
| Tier 1 risk-based capital ratio | 3.8082% | 7,691 |
| Total risk-based capital ratio | 5.0012% | 7,694 |
| Memoranda: | ||
| Average total assets | $229,504,750 | 2,791 |
| Average earning assets | $203,478,500 | 2,879 |
| Average equity | $8,703,250 | 5,575 |
| Average total loans | $132,956,500 | 3,123 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3542% | 6,972 |
| Cost of funding earning assets | 1.9342% | 1,091 |
| Net interest margin | 2.4200% | 7,460 |
| Noninterest income to average assets | -1.4274% | 7,809 |
| Noninterest expense to average assets | 3.0516% | 3,518 |
| Loan and lease loss provision to assets | 2.5300% | 443 |
| Net operating income to assets | -4.8666% | 7,689 |
| Return on assets (ROA) | -4.6215% | 7,679 |
| Pretax return on assets | -4.6215% | 7,655 |
| Return on Equity (ROE) | -112.8274% | 7,748 |
| Retained earnings to average equity (ytd only) | -112.8274% | 7,748 |
| Net charge-offs to loans | 3.4330% | 435 |
| Credit loss provision to net charge-offs | 126.6129% | 3,184 |
| Earnings coverage of net charge-offs (x) | -1.1694% | 6,144 |
| Efficiency ratio | 426.8090% | 17 |
| Assets per employee ($millions) | 6.2655% | 1,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2876% | 649 |
| Loan loss allowance to noncurrent loans | 40.7774% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 9.3903% | 456 |
| Noncurrent loans to loans | 8.0622% | 643 |
| Net loans and leases to total assets | 54.3117% | 5,952 |
| Net loans and leases to deposits | 60.1085% | 6,402 |
| Net loans and leases to core deposits | 64.0352% | 6,397 |
| Total domestic deposits to total assets | 90.3561% | 742 |
| Equity capital to assets | 2.9130% | 7,758 |
| Core capital (leverage) ratio | 2.7164% | 7,753 |
| Tier 1 risk-based capital ratio | 4.1615% | 7,740 |
| Total risk-based capital ratio | 5.3886% | 7,742 |
| Memoranda: | ||
| Average total assets | $235,812,000 | 2,741 |
| Average earning assets | $208,763,670 | 2,825 |
| Average equity | $9,659,000 | 5,296 |
| Average total loans | $137,257,000 | 3,061 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 6,982 |
| Cost of funding earning assets | 2.0427% | 962 |
| Net interest margin | 2.3682% | 7,554 |
| Noninterest income to average assets | -0.4525% | 7,852 |
| Noninterest expense to average assets | 2.8578% | 4,239 |
| Loan and lease loss provision to assets | 1.2060% | 1,007 |
| Net operating income to assets | -2.4356% | 7,544 |
| Return on assets (ROA) | -2.3145% | 7,528 |
| Pretax return on assets | -2.3145% | 7,479 |
| Return on Equity (ROE) | -49.5320% | 7,708 |
| Retained earnings to average equity (ytd only) | -49.5320% | 7,698 |
| Net charge-offs to loans | 2.5939% | 626 |
| Credit loss provision to net charge-offs | 78.5323% | 3,915 |
| Earnings coverage of net charge-offs (x) | -0.8007% | 5,351 |
| Efficiency ratio | 175.5165% | 129 |
| Assets per employee ($millions) | 6.5186% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5268% | 1,258 |
| Loan loss allowance to noncurrent loans | 37.5190% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 9.2720% | 461 |
| Noncurrent loans to loans | 6.7346% | 914 |
| Net loans and leases to total assets | 55.2919% | 5,846 |
| Net loans and leases to deposits | 61.9797% | 6,276 |
| Net loans and leases to core deposits | 68.2166% | 6,077 |
| Total domestic deposits to total assets | 89.2097% | 1,411 |
| Equity capital to assets | 4.3385% | 7,768 |
| Core capital (leverage) ratio | 4.4166% | 7,748 |
| Tier 1 risk-based capital ratio | 6.3582% | 7,734 |
| Total risk-based capital ratio | 7.4381% | 7,743 |
| Memoranda: | ||
| Average total assets | $237,805,500 | 2,789 |
| Average earning assets | $208,937,500 | 2,885 |
| Average equity | $11,112,000 | 4,948 |
| Average total loans | $140,791,500 | 3,062 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9251% | 6,656 |
| Cost of funding earning assets | 2.7753% | 481 |
| Net interest margin | 2.1498% | 7,672 |
| Noninterest income to average assets | 0.3033% | 5,930 |
| Noninterest expense to average assets | 2.8647% | 4,677 |
| Loan and lease loss provision to assets | 2.2496% | 920 |
| Net operating income to assets | -2.7617% | 7,342 |
| Return on assets (ROA) | -2.6655% | 7,320 |
| Pretax return on assets | -2.8235% | 7,246 |
| Return on Equity (ROE) | -40.9076% | 7,585 |
| Retained earnings to average equity (ytd only) | -40.9076% | 7,567 |
| Net charge-offs to loans | 2.3353% | 995 |
| Credit loss provision to net charge-offs | 145.4670% | 3,263 |
| Earnings coverage of net charge-offs (x) | -0.4374% | 6,656 |
| Efficiency ratio | 130.9066% | 472 |
| Assets per employee ($millions) | 6.3357% | 1,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5233% | 1,197 |
| Loan loss allowance to noncurrent loans | 33.6124% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 9.7764% | 384 |
| Noncurrent loans to loans | 7.5072% | 703 |
| Net loans and leases to total assets | 60.1970% | 5,307 |
| Net loans and leases to deposits | 68.2084% | 5,798 |
| Net loans and leases to core deposits | 84.7884% | 5,641 |
| Total domestic deposits to total assets | 88.2545% | 1,857 |
| Equity capital to assets | 5.0166% | 7,793 |
| Core capital (leverage) ratio | 5.0740% | 7,763 |
| Tier 1 risk-based capital ratio | 7.1002% | 7,737 |
| Total risk-based capital ratio | 8.1748% | 7,763 |
| Memoranda: | ||
| Average total assets | $235,379,600 | 2,761 |
| Average earning assets | $206,392,800 | 2,884 |
| Average equity | $15,337,000 | 4,006 |
| Average total loans | $155,870,800 | 2,834 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9685% | 6,703 |
| Cost of funding earning assets | 2.8665% | 506 |
| Net interest margin | 2.1020% | 7,764 |
| Noninterest income to average assets | 0.2716% | 6,288 |
| Noninterest expense to average assets | 2.4938% | 6,089 |
| Loan and lease loss provision to assets | 1.0978% | 1,777 |
| Net operating income to assets | -0.9808% | 6,816 |
| Return on assets (ROA) | -0.8833% | 6,752 |
| Pretax return on assets | -1.3247% | 6,874 |
| Return on Equity (ROE) | -12.8227% | 7,062 |
| Retained earnings to average equity (ytd only) | -12.8227% | 6,997 |
| Net charge-offs to loans | 1.2304% | 1,664 |
| Credit loss provision to net charge-offs | 132.5137% | 3,776 |
| Earnings coverage of net charge-offs (x) | -0.4495% | 6,458 |
| Efficiency ratio | 117.5513% | 635 |
| Assets per employee ($millions) | 6.7063% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6671% | 2,741 |
| Loan loss allowance to noncurrent loans | 32.7552% | 6,245 |
| Noncurrent assets plus other real estate owned to assets | 7.0912% | 675 |
| Noncurrent loans to loans | 5.0895% | 1,279 |
| Net loans and leases to total assets | 60.4448% | 5,513 |
| Net loans and leases to deposits | 70.0919% | 5,907 |
| Net loans and leases to core deposits | 87.8948% | 5,652 |
| Total domestic deposits to total assets | 86.2364% | 2,570 |
| Equity capital to assets | 6.9590% | 7,612 |
| Core capital (leverage) ratio | 6.8829% | 7,500 |
| Tier 1 risk-based capital ratio | 9.7304% | 7,217 |
| Total risk-based capital ratio | 10.7506% | 7,334 |
| Memoranda: | ||
| Average total assets | $235,619,000 | 2,774 |
| Average earning assets | $207,352,500 | 2,889 |
| Average equity | $16,231,250 | 3,865 |
| Average total loans | $158,646,500 | 2,817 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0669% | 6,557 |
| Cost of funding earning assets | 2.9310% | 568 |
| Net interest margin | 2.1359% | 7,790 |
| Noninterest income to average assets | 0.2259% | 6,675 |
| Noninterest expense to average assets | 2.4144% | 6,415 |
| Loan and lease loss provision to assets | 1.5885% | 1,064 |
| Net operating income to assets | -1.2099% | 7,115 |
| Return on assets (ROA) | -1.1135% | 7,060 |
| Pretax return on assets | -1.7502% | 7,191 |
| Return on Equity (ROE) | -16.2206% | 7,389 |
| Retained earnings to average equity (ytd only) | -16.2206% | 7,314 |
| Net charge-offs to loans | 1.7290% | 1,097 |
| Credit loss provision to net charge-offs | 132.4768% | 3,528 |
| Earnings coverage of net charge-offs (x) | -0.2605% | 5,925 |
| Efficiency ratio | 114.8616% | 754 |
| Assets per employee ($millions) | 6.2183% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5822% | 2,820 |
| Loan loss allowance to noncurrent loans | 32.7198% | 6,279 |
| Noncurrent assets plus other real estate owned to assets | 6.1973% | 767 |
| Noncurrent loans to loans | 4.8355% | 1,290 |
| Net loans and leases to total assets | 64.5754% | 4,861 |
| Net loans and leases to deposits | 75.2682% | 5,281 |
| Net loans and leases to core deposits | 93.0239% | 5,235 |
| Total domestic deposits to total assets | 85.7937% | 2,887 |
| Equity capital to assets | 7.2443% | 7,452 |
| Core capital (leverage) ratio | 7.1496% | 7,407 |
| Tier 1 risk-based capital ratio | 9.4818% | 7,402 |
| Total risk-based capital ratio | 10.5099% | 7,554 |
| Memoranda: | ||
| Average total assets | $233,683,000 | 2,819 |
| Average earning assets | $205,255,670 | 2,933 |
| Average equity | $16,041,330 | 3,915 |
| Average total loans | $162,060,670 | 2,778 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1699% | 6,415 |
| Cost of funding earning assets | 2.9429% | 694 |
| Net interest margin | 2.2271% | 7,771 |
| Noninterest income to average assets | 0.0516% | 7,823 |
| Noninterest expense to average assets | 2.2997% | 6,542 |
| Loan and lease loss provision to assets | 1.9882% | 606 |
| Net operating income to assets | -2.0567% | 7,674 |
| Return on assets (ROA) | -2.0295% | 7,666 |
| Pretax return on assets | -2.1878% | 7,585 |
| Return on Equity (ROE) | -30.4199% | 7,908 |
| Retained earnings to average equity (ytd only) | -30.4199% | 7,861 |
| Net charge-offs to loans | 1.6042% | 904 |
| Credit loss provision to net charge-offs | 173.9458% | 2,475 |
| Earnings coverage of net charge-offs (x) | -0.2003% | 5,132 |
| Efficiency ratio | 111.0557% | 784 |
| Assets per employee ($millions) | 6.3470% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5510% | 2,719 |
| Loan loss allowance to noncurrent loans | 29.4487% | 6,590 |
| Noncurrent assets plus other real estate owned to assets | 5.6290% | 744 |
| Noncurrent loans to loans | 5.2667% | 1,007 |
| Net loans and leases to total assets | 67.2766% | 4,296 |
| Net loans and leases to deposits | 77.8357% | 4,954 |
| Net loans and leases to core deposits | 94.8787% | 5,075 |
| Total domestic deposits to total assets | 86.4341% | 2,487 |
| Equity capital to assets | 6.5892% | 7,839 |
| Core capital (leverage) ratio | 6.5120% | 7,872 |
| Tier 1 risk-based capital ratio | 8.5512% | 7,937 |
| Total risk-based capital ratio | 9.5979% | 8,006 |
| Memoranda: | ||
| Average total assets | $232,376,500 | 2,851 |
| Average earning assets | $210,679,500 | 2,874 |
| Average equity | $15,503,000 | 4,039 |
| Average total loans | $165,570,000 | 2,758 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1641% | 4,701 |
| Cost of funding earning assets | 3.2077% | 1,166 |
| Net interest margin | 2.9563% | 7,015 |
| Noninterest income to average assets | 0.4352% | 5,168 |
| Noninterest expense to average assets | 2.5928% | 5,679 |
| Loan and lease loss provision to assets | 1.0935% | 1,325 |
| Net operating income to assets | -0.3086% | 6,742 |
| Return on assets (ROA) | -0.2876% | 6,579 |
| Pretax return on assets | -0.4836% | 6,640 |
| Return on Equity (ROE) | -3.8714% | 6,727 |
| Retained earnings to average equity (ytd only) | -3.8714% | 6,295 |
| Net charge-offs to loans | 1.2374% | 975 |
| Credit loss provision to net charge-offs | 115.4309% | 4,673 |
| Earnings coverage of net charge-offs (x) | 0.6092% | 5,857 |
| Efficiency ratio | 81.7937% | 2,328 |
| Assets per employee ($millions) | 6.2139% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 4,767 |
| Loan loss allowance to noncurrent loans | 33.7443% | 6,479 |
| Noncurrent assets plus other real estate owned to assets | 4.0876% | 994 |
| Noncurrent loans to loans | 3.4695% | 1,464 |
| Net loans and leases to total assets | 73.3584% | 3,271 |
| Net loans and leases to deposits | 86.8698% | 3,981 |
| Net loans and leases to core deposits | 109.9592% | 3,784 |
| Total domestic deposits to total assets | 84.4464% | 3,104 |
| Equity capital to assets | 6.7555% | 7,850 |
| Core capital (leverage) ratio | 6.9966% | 7,700 |
| Tier 1 risk-based capital ratio | 8.5235% | 7,983 |
| Total risk-based capital ratio | 9.4423% | 8,088 |
| Memoranda: | ||
| Average total assets | $210,699,400 | 3,000 |
| Average earning assets | $194,904,000 | 2,961 |
| Average equity | $15,653,200 | 3,995 |
| Average total loans | $161,301,400 | 2,753 |