Home > Doral Bank, FSB > Performance and Condition Ratios
Doral Bank, FSB, 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 | 2.9201% | 7,279 |
| Cost of funding earning assets | 1.4341% | 1,089 |
| Net interest margin | 1.4860% | 7,364 |
| Noninterest income to average assets | 2.1775% | 337 |
| Noninterest expense to average assets | 4.7399% | 468 |
| Loan and lease loss provision to assets | -0.1041% | 7,357 |
| Net operating income to assets | -0.6528% | 6,730 |
| Return on assets (ROA) | -0.5950% | 6,737 |
| Pretax return on assets | -0.9786% | 6,869 |
| Return on Equity (ROE) | -8.1425% | 6,815 |
| Retained earnings to average equity (ytd only) | -8.1425% | 6,768 |
| Net charge-offs to loans | -0.0640% | 7,095 |
| Credit loss provision to net charge-offs | 358.6957% | 795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.5668% | 216 |
| Assets per employee ($millions) | 2.6518% | 6,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4217% | 7,215 |
| Loan loss allowance to noncurrent loans | 6.7527% | 6,926 |
| Noncurrent assets plus other real estate owned to assets | 2.7791% | 2,341 |
| Noncurrent loans to loans | 6.2444% | 869 |
| Net loans and leases to total assets | 40.1308% | 6,617 |
| Net loans and leases to deposits | 45.1282% | 6,783 |
| Net loans and leases to core deposits | 51.1434% | 6,611 |
| Total domestic deposits to total assets | 88.9262% | 1,468 |
| Equity capital to assets | 7.0975% | 7,036 |
| Core capital (leverage) ratio | 6.0822% | 7,124 |
| Tier 1 risk-based capital ratio | 11.2927% | 6,366 |
| Total risk-based capital ratio | 11.6116% | 6,821 |
| Memoranda: | ||
| Average total assets | $211,306,500 | 2,937 |
| Average earning assets | $197,568,250 | 2,893 |
| Average equity | $15,441,250 | 3,837 |
| Average total loans | $95,824,250 | 3,763 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1955% | 7,285 |
| Cost of funding earning assets | 1.5716% | 782 |
| Net interest margin | 1.6240% | 7,433 |
| Noninterest income to average assets | 2.1471% | 333 |
| Noninterest expense to average assets | 4.5378% | 571 |
| Loan and lease loss provision to assets | -0.1520% | 7,439 |
| Net operating income to assets | -0.4224% | 6,631 |
| Return on assets (ROA) | -0.3360% | 6,604 |
| Pretax return on assets | -0.5823% | 6,701 |
| Return on Equity (ROE) | -4.5548% | 6,685 |
| Retained earnings to average equity (ytd only) | -4.5548% | 6,529 |
| Net charge-offs to loans | -0.0923% | 7,147 |
| Credit loss provision to net charge-offs | 350.0000% | 878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.5400% | 308 |
| Assets per employee ($millions) | 2.5848% | 6,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4174% | 7,285 |
| Loan loss allowance to noncurrent loans | 15.6427% | 6,847 |
| Noncurrent assets plus other real estate owned to assets | 1.4797% | 3,989 |
| Noncurrent loans to loans | 2.6686% | 2,730 |
| Net loans and leases to total assets | 43.0301% | 6,520 |
| Net loans and leases to deposits | 48.8233% | 6,675 |
| Net loans and leases to core deposits | 54.2739% | 6,544 |
| Total domestic deposits to total assets | 88.1343% | 2,051 |
| Equity capital to assets | 7.7577% | 6,831 |
| Core capital (leverage) ratio | 6.8563% | 7,045 |
| Tier 1 risk-based capital ratio | 12.1078% | 5,704 |
| Total risk-based capital ratio | 12.4272% | 6,392 |
| Memoranda: | ||
| Average total assets | $211,910,330 | 2,950 |
| Average earning assets | $198,527,670 | 2,892 |
| Average equity | $15,632,000 | 3,798 |
| Average total loans | $99,623,000 | 3,697 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4211% | 7,256 |
| Cost of funding earning assets | 1.6736% | 623 |
| Net interest margin | 1.7475% | 7,464 |
| Noninterest income to average assets | 1.8960% | 389 |
| Noninterest expense to average assets | 4.0998% | 921 |
| Loan and lease loss provision to assets | -0.0018% | 7,435 |
| Net operating income to assets | -0.3407% | 6,697 |
| Return on assets (ROA) | -0.3407% | 6,705 |
| Pretax return on assets | -0.5569% | 6,784 |
| Return on Equity (ROE) | -4.7304% | 6,796 |
| Retained earnings to average equity (ytd only) | -4.7304% | 6,497 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.6751% | 399 |
| Assets per employee ($millions) | 3.1001% | 5,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4513% | 7,315 |
| Loan loss allowance to noncurrent loans | 14.5763% | 6,930 |
| Noncurrent assets plus other real estate owned to assets | 1.7949% | 3,582 |
| Noncurrent loans to loans | 3.0958% | 2,422 |
| Net loans and leases to total assets | 48.0841% | 6,067 |
| Net loans and leases to deposits | 53.9418% | 6,295 |
| Net loans and leases to core deposits | 63.2655% | 5,807 |
| Total domestic deposits to total assets | 89.1408% | 1,684 |
| Equity capital to assets | 7.2003% | 7,014 |
| Core capital (leverage) ratio | 6.4468% | 7,178 |
| Tier 1 risk-based capital ratio | 10.5806% | 6,761 |
| Total risk-based capital ratio | 10.9412% | 7,109 |
| Memoranda: | ||
| Average total assets | $218,351,500 | 2,897 |
| Average earning assets | $205,548,500 | 2,831 |
| Average equity | $15,728,000 | 3,768 |
| Average total loans | $106,434,000 | 3,572 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1840% | 6,950 |
| Cost of funding earning assets | 1.5242% | 2,505 |
| Net interest margin | 2.6598% | 7,163 |
| Noninterest income to average assets | 1.7323% | 498 |
| Noninterest expense to average assets | 3.4163% | 2,395 |
| Loan and lease loss provision to assets | 0.6638% | 2,489 |
| Net operating income to assets | 0.0462% | 5,711 |
| Return on assets (ROA) | 0.0462% | 5,848 |
| Pretax return on assets | 0.1850% | 5,518 |
| Return on Equity (ROE) | 0.4285% | 5,843 |
| Retained earnings to average equity (ytd only) | 0.4285% | 5,361 |
| Net charge-offs to loans | 0.8495% | 2,511 |
| Credit loss provision to net charge-offs | 122.6131% | 3,409 |
| Earnings coverage of net charge-offs (x) | 1.5678% | 4,561 |
| Efficiency ratio | 80.0032% | 2,417 |
| Assets per employee ($millions) | 3.9945% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4387% | 7,400 |
| Loan loss allowance to noncurrent loans | 13.0220% | 7,041 |
| Noncurrent assets plus other real estate owned to assets | 1.9527% | 3,406 |
| Noncurrent loans to loans | 3.3688% | 2,257 |
| Net loans and leases to total assets | 48.9654% | 6,276 |
| Net loans and leases to deposits | 54.7812% | 6,541 |
| Net loans and leases to core deposits | 65.0395% | 5,974 |
| Total domestic deposits to total assets | 89.3836% | 1,444 |
| Equity capital to assets | 7.2058% | 7,036 |
| Core capital (leverage) ratio | 6.4505% | 7,206 |
| Tier 1 risk-based capital ratio | 10.6641% | 6,596 |
| Total risk-based capital ratio | 11.0236% | 7,059 |
| Memoranda: | ||
| Average total assets | $147,030,800 | 3,928 |
| Average earning assets | $140,009,800 | 3,820 |
| Average equity | $15,871,000 | 3,793 |
| Average total loans | $93,702,600 | 3,961 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4504% | 6,725 |
| Cost of funding earning assets | 1.4169% | 3,476 |
| Net interest margin | 3.0335% | 6,763 |
| Noninterest income to average assets | 1.7775% | 462 |
| Noninterest expense to average assets | 3.3037% | 2,562 |
| Loan and lease loss provision to assets | 0.9395% | 1,602 |
| Net operating income to assets | -0.1511% | 6,248 |
| Return on assets (ROA) | -0.1511% | 6,330 |
| Pretax return on assets | 0.4273% | 5,147 |
| Return on Equity (ROE) | -1.2257% | 6,305 |
| Retained earnings to average equity (ytd only) | -1.2257% | 6,052 |
| Net charge-offs to loans | 1.2724% | 1,604 |
| Credit loss provision to net charge-offs | 105.5814% | 4,056 |
| Earnings coverage of net charge-offs (x) | 1.5360% | 4,574 |
| Efficiency ratio | 70.6690% | 3,943 |
| Assets per employee ($millions) | 4.1710% | 3,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3632% | 7,562 |
| Loan loss allowance to noncurrent loans | 14.1968% | 7,092 |
| Noncurrent assets plus other real estate owned to assets | 1.7888% | 3,763 |
| Noncurrent loans to loans | 2.5584% | 3,063 |
| Net loans and leases to total assets | 54.8602% | 5,723 |
| Net loans and leases to deposits | 64.2541% | 5,884 |
| Net loans and leases to core deposits | 88.1955% | 3,343 |
| Total domestic deposits to total assets | 85.3801% | 3,419 |
| Equity capital to assets | 9.1110% | 5,430 |
| Core capital (leverage) ratio | 8.3212% | 5,829 |
| Tier 1 risk-based capital ratio | 13.1171% | 4,488 |
| Total risk-based capital ratio | 13.4350% | 5,252 |
| Memoranda: | ||
| Average total assets | $128,864,000 | 4,355 |
| Average earning assets | $122,891,750 | 4,225 |
| Average equity | $15,881,000 | 3,833 |
| Average total loans | $90,115,750 | 4,109 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7097% | 6,115 |
| Cost of funding earning assets | 1.4698% | 3,427 |
| Net interest margin | 3.2398% | 6,194 |
| Noninterest income to average assets | 1.8639% | 388 |
| Noninterest expense to average assets | 3.0170% | 3,644 |
| Loan and lease loss provision to assets | 0.2160% | 4,730 |
| Net operating income to assets | 0.8988% | 2,557 |
| Return on assets (ROA) | 0.8988% | 2,675 |
| Pretax return on assets | 1.7141% | 1,034 |
| Return on Equity (ROE) | 6.4577% | 3,570 |
| Retained earnings to average equity (ytd only) | 6.4577% | 2,096 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9155% | 5,872 |
| Assets per employee ($millions) | 4.4480% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4509% | 7,558 |
| Loan loss allowance to noncurrent loans | 21.8069% | 6,854 |
| Noncurrent assets plus other real estate owned to assets | 2.1450% | 3,320 |
| Noncurrent loans to loans | 2.0676% | 3,635 |
| Net loans and leases to total assets | 77.2155% | 1,253 |
| Net loans and leases to deposits | 96.6945% | 988 |
| Net loans and leases to core deposits | 136.1903% | 329 |
| Total domestic deposits to total assets | 79.8551% | 5,771 |
| Equity capital to assets | 13.5243% | 1,336 |
| Core capital (leverage) ratio | 12.4063% | 1,444 |
| Tier 1 risk-based capital ratio | 15.4656% | 2,910 |
| Total risk-based capital ratio | 15.9071% | 3,328 |
| Memoranda: | ||
| Average total assets | $114,814,330 | 4,682 |
| Average earning assets | $109,265,000 | 4,577 |
| Average equity | $15,981,000 | 3,803 |
| Average total loans | $88,767,670 | 4,182 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8556% | 5,663 |
| Cost of funding earning assets | 1.4319% | 3,978 |
| Net interest margin | 3.4237% | 5,483 |
| Noninterest income to average assets | 1.4763% | 544 |
| Noninterest expense to average assets | 3.0381% | 3,532 |
| Loan and lease loss provision to assets | 0.0178% | 6,460 |
| Net operating income to assets | 0.8843% | 2,614 |
| Return on assets (ROA) | 0.8843% | 2,683 |
| Pretax return on assets | 1.6688% | 1,122 |
| Return on Equity (ROE) | 6.2585% | 3,746 |
| Retained earnings to average equity (ytd only) | 6.2585% | 2,490 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2264% | 5,450 |
| Assets per employee ($millions) | 5.5217% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4555% | 7,633 |
| Loan loss allowance to noncurrent loans | 23.4778% | 6,834 |
| Noncurrent assets plus other real estate owned to assets | 2.1198% | 3,356 |
| Noncurrent loans to loans | 1.9403% | 3,872 |
| Net loans and leases to total assets | 75.5707% | 1,625 |
| Net loans and leases to deposits | 95.0041% | 1,234 |
| Net loans and leases to core deposits | 141.4518% | 312 |
| Total domestic deposits to total assets | 79.5447% | 5,932 |
| Equity capital to assets | 13.7760% | 1,217 |
| Core capital (leverage) ratio | 12.4879% | 1,410 |
| Tier 1 risk-based capital ratio | 16.0207% | 2,654 |
| Total risk-based capital ratio | 16.4709% | 2,956 |
| Memoranda: | ||
| Average total assets | $112,174,000 | 4,816 |
| Average earning assets | $106,433,500 | 4,685 |
| Average equity | $15,850,500 | 3,855 |
| Average total loans | $86,575,500 | 4,304 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9264% | 6,650 |
| Cost of funding earning assets | 2.6882% | 613 |
| Net interest margin | 2.2381% | 7,627 |
| Noninterest income to average assets | 1.3833% | 769 |
| Noninterest expense to average assets | 3.1677% | 3,484 |
| Loan and lease loss provision to assets | 0.0753% | 6,836 |
| Net operating income to assets | 0.1548% | 5,038 |
| Return on assets (ROA) | 0.1548% | 5,105 |
| Pretax return on assets | 0.2860% | 4,802 |
| Return on Equity (ROE) | 1.1616% | 5,184 |
| Retained earnings to average equity (ytd only) | 1.1616% | 4,232 |
| Net charge-offs to loans | 0.1333% | 5,867 |
| Credit loss provision to net charge-offs | 78.0702% | 6,338 |
| Earnings coverage of net charge-offs (x) | 3.7456% | 3,220 |
| Efficiency ratio | 89.6667% | 1,732 |
| Assets per employee ($millions) | 5.4197% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4652% | 7,698 |
| Loan loss allowance to noncurrent loans | 24.5963% | 6,826 |
| Noncurrent assets plus other real estate owned to assets | 2.1773% | 3,157 |
| Noncurrent loans to loans | 1.8914% | 3,815 |
| Net loans and leases to total assets | 78.1656% | 1,343 |
| Net loans and leases to deposits | 100.1631% | 886 |
| Net loans and leases to core deposits | 144.9125% | 644 |
| Total domestic deposits to total assets | 78.0382% | 6,202 |
| Equity capital to assets | 14.5092% | 1,019 |
| Core capital (leverage) ratio | 13.0134% | 1,251 |
| Tier 1 risk-based capital ratio | 16.1467% | 2,454 |
| Total risk-based capital ratio | 16.6079% | 2,732 |
| Memoranda: | ||
| Average total assets | $118,193,600 | 4,625 |
| Average earning assets | $113,309,000 | 4,465 |
| Average equity | $15,754,800 | 3,908 |
| Average total loans | $85,507,200 | 4,345 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 7,058 |
| Cost of funding earning assets | 2.7784% | 634 |
| Net interest margin | 2.0479% | 7,795 |
| Noninterest income to average assets | 1.5373% | 627 |
| Noninterest expense to average assets | 3.1784% | 3,370 |
| Loan and lease loss provision to assets | 0.1105% | 6,264 |
| Net operating income to assets | 0.1182% | 5,413 |
| Return on assets (ROA) | 0.1182% | 5,471 |
| Pretax return on assets | 0.2188% | 5,256 |
| Return on Equity (ROE) | 0.9051% | 5,526 |
| Retained earnings to average equity (ytd only) | 0.9051% | 4,804 |
| Net charge-offs to loans | 0.1776% | 4,974 |
| Credit loss provision to net charge-offs | 87.7193% | 5,546 |
| Earnings coverage of net charge-offs (x) | 2.6139% | 3,915 |
| Efficiency ratio | 90.5167% | 1,643 |
| Assets per employee ($millions) | 5.9968% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4690% | 7,746 |
| Loan loss allowance to noncurrent loans | 25.2795% | 6,770 |
| Noncurrent assets plus other real estate owned to assets | 2.0713% | 3,250 |
| Noncurrent loans to loans | 1.8551% | 3,834 |
| Net loans and leases to total assets | 75.8118% | 2,027 |
| Net loans and leases to deposits | 96.3450% | 1,529 |
| Net loans and leases to core deposits | 139.2148% | 952 |
| Total domestic deposits to total assets | 78.6879% | 5,898 |
| Equity capital to assets | 14.1592% | 1,250 |
| Core capital (leverage) ratio | 12.7246% | 1,489 |
| Tier 1 risk-based capital ratio | 16.1914% | 2,559 |
| Total risk-based capital ratio | 16.6534% | 2,809 |
| Memoranda: | ||
| Average total assets | $120,643,750 | 4,577 |
| Average earning assets | $116,081,000 | 4,426 |
| Average equity | $15,761,750 | 3,957 |
| Average total loans | $85,603,500 | 4,378 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6938% | 7,401 |
| Cost of funding earning assets | 2.7751% | 843 |
| Net interest margin | 1.9188% | 7,905 |
| Noninterest income to average assets | 1.6976% | 509 |
| Noninterest expense to average assets | 3.1543% | 3,486 |
| Loan and lease loss provision to assets | 0.2344% | 4,714 |
| Net operating income to assets | 0.0846% | 5,608 |
| Return on assets (ROA) | 0.0846% | 5,706 |
| Pretax return on assets | 0.1579% | 5,554 |
| Return on Equity (ROE) | 0.6650% | 5,732 |
| Retained earnings to average equity (ytd only) | 0.6650% | 4,922 |
| Net charge-offs to loans | 0.2676% | 3,854 |
| Credit loss provision to net charge-offs | 126.3158% | 3,676 |
| Earnings coverage of net charge-offs (x) | 2.1140% | 4,014 |
| Efficiency ratio | 88.8481% | 1,923 |
| Assets per employee ($millions) | 6.9909% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5192% | 7,768 |
| Loan loss allowance to noncurrent loans | 27.1360% | 6,688 |
| Noncurrent assets plus other real estate owned to assets | 1.8159% | 3,455 |
| Noncurrent loans to loans | 1.9132% | 3,652 |
| Net loans and leases to total assets | 65.0621% | 4,753 |
| Net loans and leases to deposits | 81.2730% | 4,342 |
| Net loans and leases to core deposits | 109.9421% | 3,378 |
| Total domestic deposits to total assets | 80.0538% | 5,459 |
| Equity capital to assets | 12.1045% | 2,150 |
| Core capital (leverage) ratio | 10.8142% | 2,555 |
| Tier 1 risk-based capital ratio | 15.4290% | 2,845 |
| Total risk-based capital ratio | 15.9205% | 3,102 |
| Memoranda: | ||
| Average total assets | $122,878,330 | 4,559 |
| Average earning assets | $118,410,330 | 4,405 |
| Average equity | $15,638,000 | 3,992 |
| Average total loans | $85,209,000 | 4,423 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8553% | 7,276 |
| Cost of funding earning assets | 2.4048% | 2,274 |
| Net interest margin | 2.4505% | 7,560 |
| Noninterest income to average assets | 1.3842% | 741 |
| Noninterest expense to average assets | 3.5215% | 2,044 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1221% | 5,911 |
| Return on assets (ROA) | 0.1221% | 6,080 |
| Pretax return on assets | 0.2307% | 5,870 |
| Return on Equity (ROE) | 0.9340% | 6,141 |
| Retained earnings to average equity (ytd only) | 0.9340% | 5,273 |
| Net charge-offs to loans | 0.1944% | 3,474 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.6585% | 3,901 |
| Efficiency ratio | 93.7613% | 1,448 |
| Assets per employee ($millions) | 6.4338% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4422% | 7,906 |
| Loan loss allowance to noncurrent loans | 9.4028% | 7,518 |
| Noncurrent assets plus other real estate owned to assets | 2.9991% | 1,885 |
| Noncurrent loans to loans | 4.7030% | 1,189 |
| Net loans and leases to total assets | 63.4873% | 5,076 |
| Net loans and leases to deposits | 78.3638% | 4,865 |
| Net loans and leases to core deposits | 104.4392% | 4,093 |
| Total domestic deposits to total assets | 81.0161% | 4,959 |
| Equity capital to assets | 11.4248% | 2,638 |
| Core capital (leverage) ratio | 11.1304% | 2,395 |
| Tier 1 risk-based capital ratio | 16.4089% | 2,548 |
| Total risk-based capital ratio | 16.8259% | 2,759 |
| Memoranda: | ||
| Average total assets | $117,904,000 | 4,707 |
| Average earning assets | $113,936,500 | 4,535 |
| Average equity | $15,418,000 | 4,054 |
| Average total loans | $84,378,000 | 4,481 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4696% | 3,119 |
| Cost of funding earning assets | 2.5287% | 4,056 |
| Net interest margin | 3.9409% | 3,399 |
| Noninterest income to average assets | 1.7450% | 446 |
| Noninterest expense to average assets | 3.7432% | 1,869 |
| Loan and lease loss provision to assets | -0.2327% | 8,275 |
| Net operating income to assets | 0.7080% | 3,858 |
| Return on assets (ROA) | 0.7080% | 3,691 |
| Pretax return on assets | 2.0254% | 563 |
| Return on Equity (ROE) | 5.7113% | 4,062 |
| Retained earnings to average equity (ytd only) | 5.7113% | 1,659 |
| Net charge-offs to loans | 0.0243% | 6,506 |
| Credit loss provision to net charge-offs | -1,230.4348% | 7,450 |
| Earnings coverage of net charge-offs (x) | 94.7826% | 449 |
| Efficiency ratio | 67.6173% | 4,793 |
| Assets per employee ($millions) | 4.5772% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5097% | 7,839 |
| Loan loss allowance to noncurrent loans | 539.7436% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 7,255 |
| Noncurrent loans to loans | 0.0944% | 7,138 |
| Net loans and leases to total assets | 81.6066% | 1,300 |
| Net loans and leases to deposits | 109.0951% | 892 |
| Net loans and leases to core deposits | 160.5239% | 566 |
| Total domestic deposits to total assets | 74.8031% | 6,494 |
| Equity capital to assets | 15.2931% | 1,093 |
| Core capital (leverage) ratio | 14.9983% | 1,033 |
| Tier 1 risk-based capital ratio | 18.5384% | 1,907 |
| Total risk-based capital ratio | 19.0569% | 2,027 |
| Memoranda: | ||
| Average total assets | $121,606,000 | 4,481 |
| Average earning assets | $116,978,000 | 4,341 |
| Average equity | $15,075,400 | 4,124 |
| Average total loans | $94,698,200 | 4,090 |