Home > Federal Trust Bank > Performance and Condition Ratios
Federal Trust 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 | 7.4045% | 75 |
| Cost of funding earning assets | 1.3146% | 1,624 |
| Net interest margin | 6.0899% | 83 |
| Noninterest income to average assets | -1.7717% | 7,425 |
| Noninterest expense to average assets | 6.0607% | 193 |
| Loan and lease loss provision to assets | 3.0546% | 106 |
| Net operating income to assets | -3.1332% | 7,281 |
| Return on assets (ROA) | -2.9719% | 7,273 |
| Pretax return on assets | -6.5386% | 7,407 |
| Return on Equity (ROE) | -11.3710% | 6,930 |
| Retained earnings to average equity (ytd only) | -11.3710% | 6,897 |
| Net charge-offs to loans | 0.3604% | 3,289 |
| Credit loss provision to net charge-offs | 1,516.1850% | 176 |
| Earnings coverage of net charge-offs (x) | -18.5434% | 6,148 |
| Efficiency ratio | 212.6064% | 44 |
| Assets per employee ($millions) | 3.9769% | 3,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0442% | 88 |
| Loan loss allowance to noncurrent loans | 43.1892% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 10.8211% | 306 |
| Noncurrent loans to loans | 13.9946% | 162 |
| Net loans and leases to total assets | 50.0321% | 5,699 |
| Net loans and leases to deposits | 78.3264% | 2,917 |
| Net loans and leases to core deposits | 79.9457% | 3,644 |
| Total domestic deposits to total assets | 63.8765% | 7,249 |
| Equity capital to assets | 26.6618% | 100 |
| Core capital (leverage) ratio | 11.6299% | 1,934 |
| Tier 1 risk-based capital ratio | 22.0991% | 1,268 |
| Total risk-based capital ratio | 23.3494% | 1,245 |
| Memoranda: | ||
| Average total assets | $343,471,500 | 1,892 |
| Average earning assets | $231,042,500 | 2,501 |
| Average equity | $89,769,750 | 754 |
| Average total loans | $192,029,500 | 2,134 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6990% | 63 |
| Cost of funding earning assets | 1.4157% | 1,350 |
| Net interest margin | 6.2833% | 78 |
| Noninterest income to average assets | -2.1159% | 7,502 |
| Noninterest expense to average assets | 5.4412% | 271 |
| Loan and lease loss provision to assets | 4.4856% | 58 |
| Net operating income to assets | -5.0033% | 7,439 |
| Return on assets (ROA) | -5.0008% | 7,440 |
| Pretax return on assets | -7.7876% | 7,488 |
| Return on Equity (ROE) | -19.2523% | 7,144 |
| Retained earnings to average equity (ytd only) | -19.2523% | 7,127 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 177.8787% | 86 |
| Assets per employee ($millions) | 3.5621% | 4,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6971% | 123 |
| Loan loss allowance to noncurrent loans | 40.1832% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 11.7954% | 271 |
| Noncurrent loans to loans | 14.1779% | 157 |
| Net loans and leases to total assets | 53.2285% | 5,395 |
| Net loans and leases to deposits | 79.9041% | 2,816 |
| Net loans and leases to core deposits | 80.3776% | 3,730 |
| Total domestic deposits to total assets | 66.6155% | 7,249 |
| Equity capital to assets | 25.2356% | 121 |
| Core capital (leverage) ratio | 10.7015% | 2,517 |
| Tier 1 risk-based capital ratio | 18.7354% | 1,926 |
| Total risk-based capital ratio | 19.9805% | 1,893 |
| Memoranda: | ||
| Average total assets | $350,585,000 | 1,870 |
| Average earning assets | $237,200,330 | 2,457 |
| Average equity | $91,064,330 | 749 |
| Average total loans | $198,860,330 | 2,095 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5566% | 48 |
| Cost of funding earning assets | 1.4053% | 1,582 |
| Net interest margin | 7.1512% | 53 |
| Noninterest income to average assets | -0.5450% | 7,502 |
| Noninterest expense to average assets | 4.0418% | 985 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2335% | 5,667 |
| Return on assets (ROA) | 0.2411% | 5,712 |
| Pretax return on assets | 0.2490% | 5,811 |
| Return on Equity (ROE) | 0.9159% | 6,158 |
| Retained earnings to average equity (ytd only) | 0.9159% | 5,463 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8403% | 1,348 |
| Assets per employee ($millions) | 3.5554% | 4,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5325% | 4,040 |
| Loan loss allowance to noncurrent loans | 13.8620% | 6,948 |
| Noncurrent assets plus other real estate owned to assets | 11.3088% | 313 |
| Noncurrent loans to loans | 11.0551% | 336 |
| Net loans and leases to total assets | 54.5610% | 5,225 |
| Net loans and leases to deposits | 82.7747% | 2,220 |
| Net loans and leases to core deposits | 83.3362% | 3,254 |
| Total domestic deposits to total assets | 65.9150% | 7,330 |
| Equity capital to assets | 26.4427% | 102 |
| Core capital (leverage) ratio | 12.4348% | 1,357 |
| Tier 1 risk-based capital ratio | 20.5947% | 1,456 |
| Total risk-based capital ratio | 21.8446% | 1,434 |
| Memoranda: | ||
| Average total assets | $356,676,000 | 1,846 |
| Average earning assets | $240,797,500 | 2,441 |
| Average equity | $93,897,500 | 724 |
| Average total loans | $202,786,000 | 2,079 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0967% | 43 |
| Cost of funding earning assets | 1.8917% | 870 |
| Net interest margin | 7.2051% | 51 |
| Noninterest income to average assets | -1.5268% | 7,642 |
| Noninterest expense to average assets | 41.9838% | 25 |
| Loan and lease loss provision to assets | 0.6578% | 2,507 |
| Net operating income to assets | -26.1036% | 7,657 |
| Return on assets (ROA) | -26.0970% | 7,657 |
| Pretax return on assets | -39.6037% | 7,657 |
| Return on Equity (ROE) | -82.0303% | 7,556 |
| Retained earnings to average equity (ytd only) | -82.0303% | 7,554 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.1736% | 333 |
| Assets per employee ($millions) | 3.9320% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 4,297 |
| Loan loss allowance to noncurrent loans | 11.9811% | 7,063 |
| Noncurrent assets plus other real estate owned to assets | 11.5367% | 308 |
| Noncurrent loans to loans | 12.0814% | 286 |
| Net loans and leases to total assets | 57.4458% | 5,119 |
| Net loans and leases to deposits | 86.9445% | 1,946 |
| Net loans and leases to core deposits | 87.3420% | 3,140 |
| Total domestic deposits to total assets | 66.0718% | 7,389 |
| Equity capital to assets | 26.2094% | 110 |
| Core capital (leverage) ratio | 11.7852% | 1,678 |
| Tier 1 risk-based capital ratio | 18.7837% | 1,770 |
| Total risk-based capital ratio | 20.0335% | 1,739 |
| Memoranda: | ||
| Average total assets | $458,922,200 | 1,447 |
| Average earning assets | $290,115,200 | 2,044 |
| Average equity | $146,001,000 | 468 |
| Average total loans | $240,103,200 | 1,820 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5973% | 81 |
| Cost of funding earning assets | 1.8625% | 1,158 |
| Net interest margin | 5.7349% | 129 |
| Noninterest income to average assets | -1.3099% | 7,741 |
| Noninterest expense to average assets | 46.4786% | 27 |
| Loan and lease loss provision to assets | 0.7925% | 1,919 |
| Net operating income to assets | -29.7201% | 7,760 |
| Return on assets (ROA) | -29.7121% | 7,760 |
| Pretax return on assets | -44.9933% | 7,761 |
| Return on Equity (ROE) | -90.4497% | 7,677 |
| Retained earnings to average equity (ytd only) | -90.4497% | 7,677 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.7268% | 439 |
| Assets per employee ($millions) | 4.3348% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 5,142 |
| Loan loss allowance to noncurrent loans | 8.9415% | 7,195 |
| Noncurrent assets plus other real estate owned to assets | 11.2143% | 318 |
| Noncurrent loans to loans | 14.1466% | 182 |
| Net loans and leases to total assets | 55.1318% | 5,674 |
| Net loans and leases to deposits | 94.0681% | 1,193 |
| Net loans and leases to core deposits | 94.3950% | 2,473 |
| Total domestic deposits to total assets | 58.6083% | 7,613 |
| Equity capital to assets | 26.0460% | 124 |
| Core capital (leverage) ratio | 10.4101% | 2,789 |
| Tier 1 risk-based capital ratio | 16.9844% | 2,344 |
| Total risk-based capital ratio | 18.2310% | 2,308 |
| Memoranda: | ||
| Average total assets | $484,199,250 | 1,405 |
| Average earning assets | $301,887,250 | 2,001 |
| Average equity | $159,056,000 | 422 |
| Average total loans | $247,987,000 | 1,795 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5998% | 2,138 |
| Cost of funding earning assets | 1.7983% | 1,647 |
| Net interest margin | 3.8015% | 3,885 |
| Noninterest income to average assets | -0.4516% | 7,742 |
| Noninterest expense to average assets | 64.9569% | 18 |
| Loan and lease loss provision to assets | 0.0055% | 6,830 |
| Net operating income to assets | -41.5383% | 7,830 |
| Return on assets (ROA) | -41.5383% | 7,830 |
| Pretax return on assets | -63.1125% | 7,830 |
| Return on Equity (ROE) | -119.8384% | 7,757 |
| Retained earnings to average equity (ytd only) | -119.8384% | 7,757 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.2428% | 266 |
| Assets per employee ($millions) | 4.5837% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0058% | 7,759 |
| Loan loss allowance to noncurrent loans | 0.0313% | 7,333 |
| Noncurrent assets plus other real estate owned to assets | 14.5381% | 160 |
| Noncurrent loans to loans | 18.4302% | 104 |
| Net loans and leases to total assets | 57.6085% | 5,474 |
| Net loans and leases to deposits | 96.8304% | 978 |
| Net loans and leases to core deposits | 97.7000% | 2,265 |
| Total domestic deposits to total assets | 59.4942% | 7,665 |
| Equity capital to assets | 25.6026% | 126 |
| Core capital (leverage) ratio | 10.3745% | 2,742 |
| Tier 1 risk-based capital ratio | 16.0726% | 2,637 |
| Total risk-based capital ratio | 16.0788% | 3,224 |
| Memoranda: | ||
| Average total assets | $509,775,330 | 1,327 |
| Average earning assets | $308,618,330 | 1,972 |
| Average equity | $176,698,000 | 393 |
| Average total loans | $254,808,000 | 1,779 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7190% | 1,708 |
| Cost of funding earning assets | 1.6906% | 2,441 |
| Net interest margin | 4.0284% | 2,752 |
| Noninterest income to average assets | -0.4789% | 7,857 |
| Noninterest expense to average assets | 2.4355% | 5,967 |
| Loan and lease loss provision to assets | 0.0116% | 6,500 |
| Net operating income to assets | -0.3691% | 6,736 |
| Return on assets (ROA) | -0.3691% | 6,779 |
| Pretax return on assets | -0.6197% | 6,855 |
| Return on Equity (ROE) | -0.9684% | 6,523 |
| Retained earnings to average equity (ytd only) | -0.9684% | 6,040 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.5850% | 395 |
| Assets per employee ($millions) | 6.0043% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0062% | 7,858 |
| Loan loss allowance to noncurrent loans | 0.0336% | 7,408 |
| Noncurrent assets plus other real estate owned to assets | 11.7755% | 276 |
| Noncurrent loans to loans | 18.5174% | 99 |
| Net loans and leases to total assets | 47.5285% | 6,714 |
| Net loans and leases to deposits | 97.1462% | 982 |
| Net loans and leases to core deposits | 101.7373% | 1,944 |
| Total domestic deposits to total assets | 48.9248% | 7,841 |
| Equity capital to assets | 39.4566% | 55 |
| Core capital (leverage) ratio | 9.7337% | 3,473 |
| Tier 1 risk-based capital ratio | 14.9731% | 3,124 |
| Total risk-based capital ratio | 14.9799% | 3,796 |
| Memoranda: | ||
| Average total assets | $553,813,000 | 1,253 |
| Average earning assets | $317,046,000 | 1,965 |
| Average equity | $211,064,000 | 331 |
| Average total loans | $260,737,500 | 1,796 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4374% | 7,842 |
| Cost of funding earning assets | 2.5819% | 821 |
| Net interest margin | 0.8556% | 7,943 |
| Noninterest income to average assets | 0.4378% | 4,901 |
| Noninterest expense to average assets | 2.1228% | 7,139 |
| Loan and lease loss provision to assets | 0.9608% | 2,356 |
| Net operating income to assets | -1.8024% | 7,012 |
| Return on assets (ROA) | -1.9207% | 7,058 |
| Pretax return on assets | -2.1410% | 6,992 |
| Return on Equity (ROE) | -9.5318% | 6,585 |
| Retained earnings to average equity (ytd only) | -9.5318% | 6,482 |
| Net charge-offs to loans | 0.8818% | 2,632 |
| Credit loss provision to net charge-offs | 196.2111% | 2,015 |
| Earnings coverage of net charge-offs (x) | -2.1415% | 7,008 |
| Efficiency ratio | 191.1413% | 162 |
| Assets per employee ($millions) | 6.0993% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0011% | 7,931 |
| Loan loss allowance to noncurrent loans | 0.0070% | 7,443 |
| Noncurrent assets plus other real estate owned to assets | 10.3606% | 342 |
| Noncurrent loans to loans | 16.1307% | 141 |
| Net loans and leases to total assets | 46.6502% | 6,926 |
| Net loans and leases to deposits | 95.2068% | 1,432 |
| Net loans and leases to core deposits | 118.1480% | 2,111 |
| Total domestic deposits to total assets | 48.9987% | 7,916 |
| Equity capital to assets | 36.8292% | 72 |
| Core capital (leverage) ratio | 7.8607% | 6,370 |
| Tier 1 risk-based capital ratio | 12.7103% | 4,355 |
| Total risk-based capital ratio | 12.7116% | 5,399 |
| Memoranda: | ||
| Average total assets | $630,593,400 | 1,101 |
| Average earning assets | $468,924,200 | 1,343 |
| Average equity | $127,068,800 | 522 |
| Average total loans | $350,201,200 | 1,376 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9491% | 7,986 |
| Cost of funding earning assets | 2.4642% | 1,401 |
| Net interest margin | 0.4849% | 8,057 |
| Noninterest income to average assets | -0.1083% | 7,935 |
| Noninterest expense to average assets | 1.5624% | 7,858 |
| Loan and lease loss provision to assets | 1.2497% | 1,546 |
| Net operating income to assets | -2.2985% | 7,408 |
| Return on assets (ROA) | -2.4528% | 7,452 |
| Pretax return on assets | -2.7139% | 7,421 |
| Return on Equity (ROE) | -14.8727% | 7,181 |
| Retained earnings to average equity (ytd only) | -14.8727% | 7,125 |
| Net charge-offs to loans | 1.1080% | 1,805 |
| Credit loss provision to net charge-offs | 196.2111% | 2,290 |
| Earnings coverage of net charge-offs (x) | -2.0298% | 6,745 |
| Efficiency ratio | 579.5715% | 24 |
| Assets per employee ($millions) | 7.3894% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0007% | 8,021 |
| Loan loss allowance to noncurrent loans | 0.0059% | 7,527 |
| Noncurrent assets plus other real estate owned to assets | 7.2773% | 632 |
| Noncurrent loans to loans | 12.3718% | 253 |
| Net loans and leases to total assets | 40.6054% | 7,432 |
| Net loans and leases to deposits | 79.9514% | 4,398 |
| Net loans and leases to core deposits | 103.5061% | 3,995 |
| Total domestic deposits to total assets | 50.7877% | 7,974 |
| Equity capital to assets | 31.0804% | 104 |
| Core capital (leverage) ratio | 7.1208% | 7,347 |
| Tier 1 risk-based capital ratio | 14.6720% | 3,188 |
| Total risk-based capital ratio | 14.6729% | 3,844 |
| Memoranda: | ||
| Average total assets | $646,433,000 | 1,086 |
| Average earning assets | $503,779,750 | 1,264 |
| Average equity | $106,609,000 | 619 |
| Average total loans | $371,596,750 | 1,307 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2789% | 8,112 |
| Cost of funding earning assets | 2.0572% | 3,487 |
| Net interest margin | 0.2216% | 8,163 |
| Noninterest income to average assets | -0.1204% | 8,043 |
| Noninterest expense to average assets | 1.1895% | 8,090 |
| Loan and lease loss provision to assets | 1.9001% | 864 |
| Net operating income to assets | -3.0281% | 7,682 |
| Return on assets (ROA) | -3.0278% | 7,681 |
| Pretax return on assets | -3.0278% | 7,579 |
| Return on Equity (ROE) | -26.6418% | 7,655 |
| Retained earnings to average equity (ytd only) | -26.6418% | 7,623 |
| Net charge-offs to loans | 1.5280% | 1,241 |
| Credit loss provision to net charge-offs | 196.0841% | 2,328 |
| Earnings coverage of net charge-offs (x) | -1.1641% | 6,263 |
| Efficiency ratio | 1,935.2041% | 12 |
| Assets per employee ($millions) | 8.2204% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,113 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,563 |
| Noncurrent assets plus other real estate owned to assets | 10.4716% | 256 |
| Noncurrent loans to loans | 23.3295% | 33 |
| Net loans and leases to total assets | 38.5360% | 7,620 |
| Net loans and leases to deposits | 73.3833% | 5,553 |
| Net loans and leases to core deposits | 98.1211% | 4,688 |
| Total domestic deposits to total assets | 52.5134% | 8,043 |
| Equity capital to assets | 26.8387% | 173 |
| Core capital (leverage) ratio | 5.1032% | 8,018 |
| Tier 1 risk-based capital ratio | 10.4322% | 6,440 |
| Total risk-based capital ratio | 10.4322% | 7,607 |
| Memoranda: | ||
| Average total assets | $637,765,000 | 1,124 |
| Average earning assets | $523,421,670 | 1,240 |
| Average equity | $72,480,000 | 926 |
| Average total loans | $404,446,330 | 1,233 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3217% | 7,841 |
| Cost of funding earning assets | 3.8942% | 43 |
| Net interest margin | 0.4275% | 8,205 |
| Noninterest income to average assets | -0.1339% | 8,146 |
| Noninterest expense to average assets | 2.4311% | 6,089 |
| Loan and lease loss provision to assets | 4.1598% | 225 |
| Net operating income to assets | -6.3417% | 8,105 |
| Return on assets (ROA) | -6.3410% | 8,096 |
| Pretax return on assets | -6.3410% | 8,066 |
| Return on Equity (ROE) | -443.1862% | 8,231 |
| Retained earnings to average equity (ytd only) | -443.1862% | 8,231 |
| Net charge-offs to loans | 1.9207% | 750 |
| Credit loss provision to net charge-offs | 272.8050% | 1,748 |
| Earnings coverage of net charge-offs (x) | -1.4309% | 5,420 |
| Efficiency ratio | 975.4821% | 20 |
| Assets per employee ($millions) | 6.1727% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9961% | 223 |
| Loan loss allowance to noncurrent loans | 26.8714% | 6,775 |
| Noncurrent assets plus other real estate owned to assets | 14.5556% | 85 |
| Noncurrent loans to loans | 14.8712% | 106 |
| Net loans and leases to total assets | 75.8614% | 2,298 |
| Net loans and leases to deposits | 106.7842% | 809 |
| Net loans and leases to core deposits | 141.9338% | 1,014 |
| Total domestic deposits to total assets | 71.0418% | 7,327 |
| Equity capital to assets | 2.3075% | 8,215 |
| Core capital (leverage) ratio | 2.7083% | 8,208 |
| Tier 1 risk-based capital ratio | 4.1306% | 8,200 |
| Total risk-based capital ratio | 5.4243% | 8,199 |
| Memoranda: | ||
| Average total assets | $582,621,000 | 1,223 |
| Average earning assets | $522,115,000 | 1,243 |
| Average equity | $8,336,000 | 5,941 |
| Average total loans | $462,534,500 | 1,084 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5815% | 7,131 |
| Cost of funding earning assets | 4.3480% | 28 |
| Net interest margin | 1.2334% | 8,209 |
| Noninterest income to average assets | -0.2848% | 8,238 |
| Noninterest expense to average assets | 2.6082% | 5,617 |
| Loan and lease loss provision to assets | 3.3578% | 252 |
| Net operating income to assets | -6.0147% | 8,154 |
| Return on assets (ROA) | -5.9787% | 8,144 |
| Pretax return on assets | -5.1468% | 8,042 |
| Return on Equity (ROE) | -146.5484% | 8,294 |
| Retained earnings to average equity (ytd only) | -146.5484% | 8,293 |
| Net charge-offs to loans | 2.1367% | 496 |
| Credit loss provision to net charge-offs | 194.4085% | 2,520 |
| Earnings coverage of net charge-offs (x) | -1.0567% | 6,600 |
| Efficiency ratio | 333.0986% | 85 |
| Assets per employee ($millions) | 6.3588% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5892% | 261 |
| Loan loss allowance to noncurrent loans | 31.3525% | 6,634 |
| Noncurrent assets plus other real estate owned to assets | 12.0853% | 106 |
| Noncurrent loans to loans | 11.4478% | 151 |
| Net loans and leases to total assets | 76.8925% | 2,403 |
| Net loans and leases to deposits | 108.6662% | 925 |
| Net loans and leases to core deposits | 144.6386% | 1,070 |
| Total domestic deposits to total assets | 70.7603% | 7,196 |
| Equity capital to assets | 0.5612% | 8,295 |
| Core capital (leverage) ratio | 0.8539% | 8,296 |
| Tier 1 risk-based capital ratio | 1.3164% | 8,296 |
| Total risk-based capital ratio | 2.6052% | 8,296 |
| Memoranda: | ||
| Average total assets | $634,740,400 | 1,057 |
| Average earning assets | $549,516,200 | 1,119 |
| Average equity | $25,895,200 | 2,567 |
| Average total loans | $513,085,200 | 931 |