Home > East Coast Community Bank > Performance and Condition Ratios
East Coast Community Bank, Performance and Condition Ratios
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3250% | 1,631 |
| Cost of funding earning assets | 0.7505% | 5,207 |
| Net interest margin | 4.5745% | 971 |
| Noninterest income to average assets | 0.0609% | 6,791 |
| Noninterest expense to average assets | 3.6787% | 1,577 |
| Loan and lease loss provision to assets | 4.9370% | 23 |
| Net operating income to assets | -4.3034% | 7,270 |
| Return on assets (ROA) | -4.2585% | 7,272 |
| Pretax return on assets | -4.3730% | 7,287 |
| Return on Equity (ROE) | -53.2359% | 7,212 |
| Retained earnings to average equity (ytd only) | -53.2359% | 7,211 |
| Net charge-offs to loans | 7.5318% | 20 |
| Credit loss provision to net charge-offs | 86.8997% | 4,155 |
| Earnings coverage of net charge-offs (x) | 0.0911% | 5,762 |
| Efficiency ratio | 87.6633% | 1,385 |
| Assets per employee ($millions) | 4.6787% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0897% | 751 |
| Loan loss allowance to noncurrent loans | 66.3814% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 3.1306% | 1,905 |
| Noncurrent loans to loans | 4.6544% | 1,268 |
| Net loans and leases to total assets | 64.2397% | 3,135 |
| Net loans and leases to deposits | 70.3846% | 4,032 |
| Net loans and leases to core deposits | 72.8607% | 4,395 |
| Total domestic deposits to total assets | 91.2696% | 407 |
| Equity capital to assets | 5.5571% | 7,122 |
| Core capital (leverage) ratio | 4.0050% | 7,210 |
| Tier 1 risk-based capital ratio | 6.1735% | 7,197 |
| Total risk-based capital ratio | 7.4465% | 7,196 |
| Memoranda: | ||
| Average total assets | $82,094,000 | 5,403 |
| Average earning assets | $74,216,400 | 5,394 |
| Average equity | $6,567,000 | 5,993 |
| Average total loans | $61,924,400 | 4,797 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4760% | 1,312 |
| Cost of funding earning assets | 0.7711% | 5,328 |
| Net interest margin | 4.7049% | 758 |
| Noninterest income to average assets | 0.0435% | 6,977 |
| Noninterest expense to average assets | 3.7840% | 1,331 |
| Loan and lease loss provision to assets | 4.3077% | 50 |
| Net operating income to assets | -2.3835% | 7,195 |
| Return on assets (ROA) | -2.3835% | 7,200 |
| Pretax return on assets | -3.8001% | 7,323 |
| Return on Equity (ROE) | -27.7593% | 7,182 |
| Retained earnings to average equity (ytd only) | -27.7593% | 7,174 |
| Net charge-offs to loans | 5.9249% | 60 |
| Credit loss provision to net charge-offs | 93.6580% | 3,639 |
| Earnings coverage of net charge-offs (x) | 0.1104% | 5,516 |
| Efficiency ratio | 88.1712% | 1,329 |
| Assets per employee ($millions) | 4.4669% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4463% | 592 |
| Loan loss allowance to noncurrent loans | 74.9545% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 3.5533% | 1,769 |
| Noncurrent loans to loans | 4.5979% | 1,404 |
| Net loans and leases to total assets | 71.7443% | 1,768 |
| Net loans and leases to deposits | 78.2119% | 2,944 |
| Net loans and leases to core deposits | 80.4603% | 3,568 |
| Total domestic deposits to total assets | 91.7306% | 253 |
| Equity capital to assets | 8.0691% | 6,652 |
| Core capital (leverage) ratio | 5.5699% | 7,176 |
| Tier 1 risk-based capital ratio | 7.5566% | 7,216 |
| Total risk-based capital ratio | 8.8347% | 7,217 |
| Memoranda: | ||
| Average total assets | $82,733,000 | 5,417 |
| Average earning assets | $74,700,250 | 5,428 |
| Average equity | $7,103,750 | 5,877 |
| Average total loans | $64,224,500 | 4,740 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4378% | 1,454 |
| Cost of funding earning assets | 0.7916% | 5,438 |
| Net interest margin | 4.6462% | 828 |
| Noninterest income to average assets | -0.0575% | 7,259 |
| Noninterest expense to average assets | 3.7553% | 1,436 |
| Loan and lease loss provision to assets | 5.2018% | 48 |
| Net operating income to assets | -3.0392% | 7,311 |
| Return on assets (ROA) | -3.0392% | 7,314 |
| Pretax return on assets | -4.8115% | 7,430 |
| Return on Equity (ROE) | -34.7243% | 7,280 |
| Retained earnings to average equity (ytd only) | -34.7243% | 7,273 |
| Net charge-offs to loans | 8.1196% | 40 |
| Credit loss provision to net charge-offs | 81.4093% | 3,726 |
| Earnings coverage of net charge-offs (x) | 0.0611% | 5,245 |
| Efficiency ratio | 90.5835% | 1,201 |
| Assets per employee ($millions) | 4.5234% | 2,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8042% | 1,075 |
| Loan loss allowance to noncurrent loans | 47.0461% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 4.8120% | 1,289 |
| Noncurrent loans to loans | 5.9605% | 1,007 |
| Net loans and leases to total assets | 74.2425% | 1,366 |
| Net loans and leases to deposits | 80.9126% | 2,625 |
| Net loans and leases to core deposits | 84.5594% | 3,127 |
| Total domestic deposits to total assets | 91.7564% | 290 |
| Equity capital to assets | 8.1367% | 6,562 |
| Core capital (leverage) ratio | 5.9647% | 7,201 |
| Tier 1 risk-based capital ratio | 7.7527% | 7,261 |
| Total risk-based capital ratio | 9.0221% | 7,265 |
| Memoranda: | ||
| Average total assets | $83,509,000 | 5,438 |
| Average earning assets | $75,545,000 | 5,450 |
| Average equity | $7,309,000 | 5,833 |
| Average total loans | $65,717,670 | 4,738 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3584% | 1,702 |
| Cost of funding earning assets | 0.8244% | 5,436 |
| Net interest margin | 4.5341% | 997 |
| Noninterest income to average assets | 0.1892% | 6,369 |
| Noninterest expense to average assets | 3.5150% | 1,964 |
| Loan and lease loss provision to assets | 2.2708% | 235 |
| Net operating income to assets | -0.9414% | 7,024 |
| Return on assets (ROA) | -0.9414% | 7,024 |
| Pretax return on assets | -1.4855% | 7,156 |
| Return on Equity (ROE) | -10.4039% | 7,037 |
| Retained earnings to average equity (ytd only) | -10.4039% | 6,886 |
| Net charge-offs to loans | 5.4416% | 131 |
| Credit loss provision to net charge-offs | 52.2876% | 3,710 |
| Earnings coverage of net charge-offs (x) | 0.1808% | 4,474 |
| Efficiency ratio | 81.7382% | 2,265 |
| Assets per employee ($millions) | 4.5180% | 2,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7258% | 1,185 |
| Loan loss allowance to noncurrent loans | 37.4480% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 7.3053% | 706 |
| Noncurrent loans to loans | 7.2789% | 733 |
| Net loans and leases to total assets | 79.0751% | 611 |
| Net loans and leases to deposits | 87.2563% | 1,557 |
| Net loans and leases to core deposits | 91.6916% | 2,162 |
| Total domestic deposits to total assets | 90.6239% | 787 |
| Equity capital to assets | 9.3220% | 4,691 |
| Core capital (leverage) ratio | 7.7098% | 6,551 |
| Tier 1 risk-based capital ratio | 9.8151% | 7,062 |
| Total risk-based capital ratio | 11.0833% | 7,063 |
| Memoranda: | ||
| Average total assets | $84,553,000 | 5,451 |
| Average earning assets | $76,664,000 | 5,456 |
| Average equity | $7,651,000 | 5,727 |
| Average total loans | $67,480,000 | 4,704 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7313% | 1,462 |
| Cost of funding earning assets | 1.1585% | 4,799 |
| Net interest margin | 4.5728% | 1,073 |
| Noninterest income to average assets | 0.1702% | 6,517 |
| Noninterest expense to average assets | 2.7318% | 4,843 |
| Loan and lease loss provision to assets | 1.3406% | 1,136 |
| Net operating income to assets | 0.1585% | 5,411 |
| Return on assets (ROA) | 0.2569% | 5,242 |
| Pretax return on assets | 0.4337% | 4,838 |
| Return on Equity (ROE) | 2.9696% | 4,972 |
| Retained earnings to average equity (ytd only) | 2.9696% | 3,779 |
| Net charge-offs to loans | 1.3992% | 1,591 |
| Credit loss provision to net charge-offs | 122.1000% | 3,428 |
| Earnings coverage of net charge-offs (x) | 1.4760% | 4,648 |
| Efficiency ratio | 62.7649% | 5,563 |
| Assets per employee ($millions) | 4.8768% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2534% | 705 |
| Loan loss allowance to noncurrent loans | 39.2226% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 6.6563% | 849 |
| Noncurrent loans to loans | 8.2947% | 606 |
| Net loans and leases to total assets | 75.8823% | 1,296 |
| Net loans and leases to deposits | 83.2617% | 2,573 |
| Net loans and leases to core deposits | 87.1302% | 3,166 |
| Total domestic deposits to total assets | 91.1371% | 537 |
| Equity capital to assets | 8.7957% | 5,438 |
| Core capital (leverage) ratio | 7.7568% | 6,488 |
| Tier 1 risk-based capital ratio | 10.3000% | 6,826 |
| Total risk-based capital ratio | 11.5780% | 6,784 |
| Memoranda: | ||
| Average total assets | $91,076,200 | 5,256 |
| Average earning assets | $83,296,800 | 5,241 |
| Average equity | $7,879,800 | 5,754 |
| Average total loans | $71,471,800 | 4,627 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7668% | 1,494 |
| Cost of funding earning assets | 1.2203% | 4,741 |
| Net interest margin | 4.5465% | 1,157 |
| Noninterest income to average assets | 0.2046% | 6,435 |
| Noninterest expense to average assets | 2.6666% | 5,016 |
| Loan and lease loss provision to assets | 0.8081% | 1,876 |
| Net operating income to assets | 0.5369% | 4,152 |
| Return on assets (ROA) | 0.6093% | 4,006 |
| Pretax return on assets | 0.9996% | 3,185 |
| Return on Equity (ROE) | 7.0710% | 3,313 |
| Retained earnings to average equity (ytd only) | 7.0710% | 1,805 |
| Net charge-offs to loans | 1.4289% | 1,423 |
| Credit loss provision to net charge-offs | 72.0569% | 5,364 |
| Earnings coverage of net charge-offs (x) | 1.5110% | 4,593 |
| Efficiency ratio | 61.1444% | 5,767 |
| Assets per employee ($millions) | 4.9661% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5240% | 1,290 |
| Loan loss allowance to noncurrent loans | 33.4198% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 6.5936% | 857 |
| Noncurrent loans to loans | 7.5523% | 715 |
| Net loans and leases to total assets | 77.8969% | 1,052 |
| Net loans and leases to deposits | 85.8436% | 2,377 |
| Net loans and leases to core deposits | 89.7609% | 3,135 |
| Total domestic deposits to total assets | 90.7428% | 533 |
| Equity capital to assets | 9.1285% | 5,410 |
| Core capital (leverage) ratio | 8.3295% | 5,818 |
| Tier 1 risk-based capital ratio | 10.5222% | 6,760 |
| Total risk-based capital ratio | 11.7880% | 6,735 |
| Memoranda: | ||
| Average total assets | $91,899,750 | 5,293 |
| Average earning assets | $84,019,000 | 5,268 |
| Average equity | $7,919,500 | 5,817 |
| Average total loans | $72,127,000 | 4,679 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7762% | 1,496 |
| Cost of funding earning assets | 1.3302% | 4,334 |
| Net interest margin | 4.4459% | 1,331 |
| Noninterest income to average assets | 0.1855% | 6,576 |
| Noninterest expense to average assets | 2.5643% | 5,479 |
| Loan and lease loss provision to assets | 0.5931% | 2,408 |
| Net operating income to assets | 0.6687% | 3,534 |
| Return on assets (ROA) | 0.7764% | 3,229 |
| Pretax return on assets | 1.2616% | 2,218 |
| Return on Equity (ROE) | 9.1845% | 2,393 |
| Retained earnings to average equity (ytd only) | 9.1845% | 1,054 |
| Net charge-offs to loans | 0.2294% | 4,224 |
| Credit loss provision to net charge-offs | 331.3253% | 1,103 |
| Earnings coverage of net charge-offs (x) | 9.4217% | 2,023 |
| Efficiency ratio | 60.3247% | 5,991 |
| Assets per employee ($millions) | 5.0184% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1128% | 754 |
| Loan loss allowance to noncurrent loans | 46.4398% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 5.9005% | 1,010 |
| Noncurrent loans to loans | 6.7029% | 877 |
| Net loans and leases to total assets | 76.1834% | 1,460 |
| Net loans and leases to deposits | 83.7334% | 2,923 |
| Net loans and leases to core deposits | 89.0836% | 3,398 |
| Total domestic deposits to total assets | 90.9833% | 490 |
| Equity capital to assets | 8.9005% | 5,600 |
| Core capital (leverage) ratio | 7.8304% | 6,465 |
| Tier 1 risk-based capital ratio | 10.2257% | 6,897 |
| Total risk-based capital ratio | 11.4989% | 6,859 |
| Memoranda: | ||
| Average total assets | $92,736,330 | 5,291 |
| Average earning assets | $84,796,670 | 5,269 |
| Average equity | $7,839,330 | 5,860 |
| Average total loans | $72,357,670 | 4,700 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7655% | 1,576 |
| Cost of funding earning assets | 1.4123% | 4,101 |
| Net interest margin | 4.3532% | 1,529 |
| Noninterest income to average assets | 0.1703% | 6,751 |
| Noninterest expense to average assets | 2.4654% | 5,854 |
| Loan and lease loss provision to assets | 1.1710% | 1,044 |
| Net operating income to assets | 0.3151% | 5,230 |
| Return on assets (ROA) | 0.3151% | 5,360 |
| Pretax return on assets | 0.5237% | 4,881 |
| Return on Equity (ROE) | 3.8248% | 4,971 |
| Retained earnings to average equity (ytd only) | 3.8248% | 3,845 |
| Net charge-offs to loans | 0.0329% | 5,118 |
| Credit loss provision to net charge-offs | 4,583.3333% | 105 |
| Earnings coverage of net charge-offs (x) | 66.3333% | 458 |
| Efficiency ratio | 59.2631% | 6,296 |
| Assets per employee ($millions) | 5.0115% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1494% | 726 |
| Loan loss allowance to noncurrent loans | 53.8606% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 4.6472% | 1,432 |
| Noncurrent loans to loans | 5.8474% | 1,141 |
| Net loans and leases to total assets | 73.8928% | 1,997 |
| Net loans and leases to deposits | 80.5615% | 3,541 |
| Net loans and leases to core deposits | 94.8069% | 2,729 |
| Total domestic deposits to total assets | 91.7222% | 314 |
| Equity capital to assets | 8.1874% | 6,449 |
| Core capital (leverage) ratio | 7.1230% | 7,164 |
| Tier 1 risk-based capital ratio | 9.2481% | 7,411 |
| Total risk-based capital ratio | 10.5257% | 7,398 |
| Memoranda: | ||
| Average total assets | $93,938,500 | 5,318 |
| Average earning assets | $86,098,500 | 5,302 |
| Average equity | $7,739,000 | 5,931 |
| Average total loans | $73,022,000 | 4,745 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5181% | 4,049 |
| Cost of funding earning assets | 2.1671% | 2,163 |
| Net interest margin | 3.3511% | 5,553 |
| Noninterest income to average assets | 0.2293% | 6,470 |
| Noninterest expense to average assets | 2.6338% | 5,657 |
| Loan and lease loss provision to assets | 2.3433% | 868 |
| Net operating income to assets | -1.0735% | 6,629 |
| Return on assets (ROA) | -1.0689% | 6,630 |
| Pretax return on assets | -1.6947% | 6,816 |
| Return on Equity (ROE) | -12.2631% | 6,787 |
| Retained earnings to average equity (ytd only) | -12.2631% | 6,704 |
| Net charge-offs to loans | 2.5375% | 906 |
| Credit loss provision to net charge-offs | 119.2186% | 4,503 |
| Earnings coverage of net charge-offs (x) | 0.3263% | 5,786 |
| Efficiency ratio | 80.4183% | 2,822 |
| Assets per employee ($millions) | 4.2117% | 3,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7508% | 973 |
| Loan loss allowance to noncurrent loans | 42.3448% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 5.2160% | 1,145 |
| Noncurrent loans to loans | 6.4963% | 926 |
| Net loans and leases to total assets | 77.0327% | 1,574 |
| Net loans and leases to deposits | 84.0649% | 3,258 |
| Net loans and leases to core deposits | 108.3390% | 3,066 |
| Total domestic deposits to total assets | 91.6348% | 341 |
| Equity capital to assets | 8.2907% | 6,212 |
| Core capital (leverage) ratio | 6.5623% | 7,462 |
| Tier 1 risk-based capital ratio | 8.7497% | 7,550 |
| Total risk-based capital ratio | 10.0161% | 7,580 |
| Memoranda: | ||
| Average total assets | $96,361,600 | 5,190 |
| Average earning assets | $87,583,800 | 5,207 |
| Average equity | $8,399,200 | 5,805 |
| Average total loans | $74,641,000 | 4,702 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5764% | 3,996 |
| Cost of funding earning assets | 2.3668% | 1,752 |
| Net interest margin | 3.2096% | 5,982 |
| Noninterest income to average assets | 0.2248% | 6,622 |
| Noninterest expense to average assets | 2.5628% | 5,847 |
| Loan and lease loss provision to assets | 1.5514% | 1,227 |
| Net operating income to assets | -0.6208% | 6,541 |
| Return on assets (ROA) | -0.6208% | 6,548 |
| Pretax return on assets | -0.9771% | 6,665 |
| Return on Equity (ROE) | -7.0406% | 6,664 |
| Retained earnings to average equity (ytd only) | -7.0406% | 6,511 |
| Net charge-offs to loans | 3.0187% | 548 |
| Credit loss provision to net charge-offs | 66.7060% | 6,051 |
| Earnings coverage of net charge-offs (x) | 0.2469% | 5,769 |
| Efficiency ratio | 81.6951% | 2,624 |
| Assets per employee ($millions) | 4.7148% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 3,509 |
| Loan loss allowance to noncurrent loans | 37.3416% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 2.8865% | 2,407 |
| Noncurrent loans to loans | 3.9844% | 1,845 |
| Net loans and leases to total assets | 69.5775% | 3,603 |
| Net loans and leases to deposits | 75.7460% | 5,089 |
| Net loans and leases to core deposits | 94.1417% | 5,000 |
| Total domestic deposits to total assets | 91.8564% | 195 |
| Equity capital to assets | 7.9961% | 6,849 |
| Core capital (leverage) ratio | 7.0273% | 7,417 |
| Tier 1 risk-based capital ratio | 9.5782% | 7,320 |
| Total risk-based capital ratio | 10.8276% | 7,278 |
| Memoranda: | ||
| Average total assets | $97,287,500 | 5,202 |
| Average earning assets | $88,274,000 | 5,226 |
| Average equity | $8,578,500 | 5,788 |
| Average total loans | $74,952,250 | 4,736 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7585% | 3,262 |
| Cost of funding earning assets | 2.6118% | 1,253 |
| Net interest margin | 3.1467% | 6,104 |
| Noninterest income to average assets | 0.1850% | 6,970 |
| Noninterest expense to average assets | 2.5142% | 6,076 |
| Loan and lease loss provision to assets | 0.7315% | 2,241 |
| Net operating income to assets | -0.1471% | 6,099 |
| Return on assets (ROA) | -0.1471% | 6,120 |
| Pretax return on assets | -0.2165% | 6,142 |
| Return on Equity (ROE) | -1.6141% | 6,165 |
| Retained earnings to average equity (ytd only) | -1.6141% | 5,649 |
| Net charge-offs to loans | 2.7862% | 598 |
| Credit loss provision to net charge-offs | 33.0798% | 5,993 |
| Earnings coverage of net charge-offs (x) | 0.2329% | 5,438 |
| Efficiency ratio | 82.9979% | 2,606 |
| Assets per employee ($millions) | 4.6554% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 4,595 |
| Loan loss allowance to noncurrent loans | 30.4320% | 6,443 |
| Noncurrent assets plus other real estate owned to assets | 3.2732% | 1,898 |
| Noncurrent loans to loans | 4.1099% | 1,621 |
| Net loans and leases to total assets | 76.8023% | 1,988 |
| Net loans and leases to deposits | 84.4781% | 3,799 |
| Net loans and leases to core deposits | 102.2817% | 4,265 |
| Total domestic deposits to total assets | 90.9138% | 482 |
| Equity capital to assets | 8.8417% | 5,534 |
| Core capital (leverage) ratio | 8.1946% | 5,991 |
| Tier 1 risk-based capital ratio | 10.0211% | 6,894 |
| Total risk-based capital ratio | 11.2360% | 6,876 |
| Memoranda: | ||
| Average total assets | $95,141,330 | 5,304 |
| Average earning assets | $85,994,330 | 5,341 |
| Average equity | $8,673,330 | 5,786 |
| Average total loans | $75,516,330 | 4,755 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8279% | 3,155 |
| Cost of funding earning assets | 2.6844% | 1,311 |
| Net interest margin | 3.1436% | 6,049 |
| Noninterest income to average assets | 0.1876% | 6,950 |
| Noninterest expense to average assets | 2.4043% | 6,182 |
| Loan and lease loss provision to assets | 0.5670% | 2,218 |
| Net operating income to assets | 0.0213% | 6,201 |
| Return on assets (ROA) | 0.0213% | 6,360 |
| Pretax return on assets | 0.0469% | 6,284 |
| Return on Equity (ROE) | 0.2302% | 6,356 |
| Retained earnings to average equity (ytd only) | 0.2302% | 5,568 |
| Net charge-offs to loans | 3.9651% | 308 |
| Credit loss provision to net charge-offs | 17.8284% | 5,096 |
| Earnings coverage of net charge-offs (x) | 0.1930% | 4,824 |
| Efficiency ratio | 79.6610% | 2,868 |
| Assets per employee ($millions) | 4.7139% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 3,662 |
| Loan loss allowance to noncurrent loans | 44.8751% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 2.5425% | 2,257 |
| Noncurrent loans to loans | 3.0573% | 2,130 |
| Net loans and leases to total assets | 79.4544% | 1,486 |
| Net loans and leases to deposits | 87.6630% | 3,346 |
| Net loans and leases to core deposits | 108.6899% | 3,597 |
| Total domestic deposits to total assets | 90.6362% | 543 |
| Equity capital to assets | 9.2312% | 5,043 |
| Core capital (leverage) ratio | 8.7064% | 5,139 |
| Tier 1 risk-based capital ratio | 10.1727% | 6,746 |
| Total risk-based capital ratio | 11.4239% | 6,648 |
| Memoranda: | ||
| Average total assets | $93,830,000 | 5,378 |
| Average earning assets | $84,489,500 | 5,413 |
| Average equity | $8,688,000 | 5,815 |
| Average total loans | $75,256,500 | 4,797 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2293% | 4,359 |
| Cost of funding earning assets | 3.1218% | 1,445 |
| Net interest margin | 3.1075% | 6,633 |
| Noninterest income to average assets | 0.2463% | 6,683 |
| Noninterest expense to average assets | 2.5899% | 5,688 |
| Loan and lease loss provision to assets | 1.0674% | 1,363 |
| Net operating income to assets | -0.4017% | 6,826 |
| Return on assets (ROA) | -0.3789% | 6,676 |
| Pretax return on assets | -0.5865% | 6,726 |
| Return on Equity (ROE) | -3.6313% | 6,699 |
| Retained earnings to average equity (ytd only) | -3.6313% | 6,249 |
| Net charge-offs to loans | 0.0220% | 6,540 |
| Credit loss provision to net charge-offs | 6,066.6667% | 88 |
| Earnings coverage of net charge-offs (x) | 25.3333% | 1,337 |
| Efficiency ratio | 85.3168% | 1,919 |
| Assets per employee ($millions) | 4.6691% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2196% | 929 |
| Loan loss allowance to noncurrent loans | 227.6479% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.8856% | 4,642 |
| Noncurrent loans to loans | 0.9750% | 4,645 |
| Net loans and leases to total assets | 78.0750% | 2,118 |
| Net loans and leases to deposits | 89.9122% | 3,471 |
| Net loans and leases to core deposits | 117.6733% | 2,926 |
| Total domestic deposits to total assets | 86.8347% | 2,012 |
| Equity capital to assets | 9.2877% | 4,949 |
| Core capital (leverage) ratio | 8.8874% | 4,914 |
| Tier 1 risk-based capital ratio | 10.1863% | 6,532 |
| Total risk-based capital ratio | 11.4472% | 6,387 |
| Memoranda: | ||
| Average total assets | $85,255,200 | 5,508 |
| Average earning assets | $76,525,600 | 5,563 |
| Average equity | $8,895,000 | 5,775 |
| Average total loans | $68,232,600 | 4,935 |