Home > Fidelity Bank > Performance and Condition Ratios
Fidelity 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 | 5.1575% | 2,228 |
| Cost of funding earning assets | 0.9529% | 3,703 |
| Net interest margin | 4.2046% | 2,041 |
| Noninterest income to average assets | 0.0262% | 6,916 |
| Noninterest expense to average assets | 3.3034% | 2,511 |
| Loan and lease loss provision to assets | 3.3410% | 94 |
| Net operating income to assets | -2.6786% | 7,137 |
| Return on assets (ROA) | -2.6399% | 7,140 |
| Pretax return on assets | -2.6399% | 7,139 |
| Return on Equity (ROE) | -99.8263% | 7,310 |
| Retained earnings to average equity (ytd only) | -99.8263% | 7,310 |
| Net charge-offs to loans | 1.8227% | 803 |
| Credit loss provision to net charge-offs | 225.9759% | 1,076 |
| Earnings coverage of net charge-offs (x) | 0.4481% | 5,484 |
| Efficiency ratio | 83.2956% | 1,849 |
| Assets per employee ($millions) | 4.4469% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6642% | 62 |
| Loan loss allowance to noncurrent loans | 56.2005% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 11.4820% | 244 |
| Noncurrent loans to loans | 11.8578% | 227 |
| Net loans and leases to total assets | 75.2217% | 1,059 |
| Net loans and leases to deposits | 82.3246% | 2,155 |
| Net loans and leases to core deposits | 86.0995% | 2,619 |
| Total domestic deposits to total assets | 91.3721% | 370 |
| Equity capital to assets | 1.8568% | 7,330 |
| Core capital (leverage) ratio | 1.8566% | 7,329 |
| Tier 1 risk-based capital ratio | 2.2974% | 7,335 |
| Total risk-based capital ratio | 3.6134% | 7,335 |
| Memoranda: | ||
| Average total assets | $857,694,600 | 758 |
| Average earning assets | $803,650,000 | 733 |
| Average equity | $22,681,400 | 2,817 |
| Average total loans | $695,711,400 | 592 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1895% | 2,243 |
| Cost of funding earning assets | 0.9898% | 3,749 |
| Net interest margin | 4.1997% | 2,102 |
| Noninterest income to average assets | -0.1056% | 7,212 |
| Noninterest expense to average assets | 3.2138% | 2,788 |
| Loan and lease loss provision to assets | 4.3234% | 49 |
| Net operating income to assets | -3.7090% | 7,317 |
| Return on assets (ROA) | -3.6580% | 7,316 |
| Pretax return on assets | -3.6580% | 7,312 |
| Return on Equity (ROE) | -129.2492% | 7,398 |
| Retained earnings to average equity (ytd only) | -129.2492% | 7,398 |
| Net charge-offs to loans | 2.2999% | 513 |
| Credit loss provision to net charge-offs | 231.4058% | 1,230 |
| Earnings coverage of net charge-offs (x) | 0.3289% | 5,363 |
| Efficiency ratio | 83.9502% | 1,737 |
| Assets per employee ($millions) | 4.4831% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5642% | 62 |
| Loan loss allowance to noncurrent loans | 54.2825% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 12.0047% | 229 |
| Noncurrent loans to loans | 12.0927% | 233 |
| Net loans and leases to total assets | 76.2459% | 943 |
| Net loans and leases to deposits | 83.2357% | 2,139 |
| Net loans and leases to core deposits | 87.1337% | 2,613 |
| Total domestic deposits to total assets | 91.6024% | 272 |
| Equity capital to assets | 1.7291% | 7,411 |
| Core capital (leverage) ratio | 1.7005% | 7,411 |
| Tier 1 risk-based capital ratio | 2.1026% | 7,414 |
| Total risk-based capital ratio | 3.4177% | 7,412 |
| Memoranda: | ||
| Average total assets | $867,559,000 | 759 |
| Average earning assets | $812,639,750 | 735 |
| Average equity | $24,553,500 | 2,628 |
| Average total loans | $704,779,750 | 592 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2262% | 2,162 |
| Cost of funding earning assets | 1.0335% | 3,719 |
| Net interest margin | 4.1927% | 2,067 |
| Noninterest income to average assets | -0.2312% | 7,349 |
| Noninterest expense to average assets | 3.1800% | 2,969 |
| Loan and lease loss provision to assets | 6.5001% | 20 |
| Net operating income to assets | -5.9836% | 7,460 |
| Return on assets (ROA) | -5.9836% | 7,461 |
| Pretax return on assets | -5.9836% | 7,462 |
| Return on Equity (ROE) | -188.6943% | 7,487 |
| Retained earnings to average equity (ytd only) | -188.6943% | 7,487 |
| Net charge-offs to loans | 3.5537% | 251 |
| Credit loss provision to net charge-offs | 225.4713% | 1,328 |
| Earnings coverage of net charge-offs (x) | 0.1792% | 5,174 |
| Efficiency ratio | 86.0276% | 1,599 |
| Assets per employee ($millions) | 4.4895% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3767% | 79 |
| Loan loss allowance to noncurrent loans | 54.4122% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 11.8301% | 268 |
| Noncurrent loans to loans | 11.7193% | 273 |
| Net loans and leases to total assets | 76.8538% | 937 |
| Net loans and leases to deposits | 83.3925% | 2,205 |
| Net loans and leases to core deposits | 87.4578% | 2,711 |
| Total domestic deposits to total assets | 92.1591% | 208 |
| Equity capital to assets | 1.3557% | 7,492 |
| Core capital (leverage) ratio | 1.3411% | 7,490 |
| Tier 1 risk-based capital ratio | 1.6096% | 7,492 |
| Total risk-based capital ratio | 2.9199% | 7,491 |
| Memoranda: | ||
| Average total assets | $883,273,670 | 753 |
| Average earning assets | $827,445,670 | 731 |
| Average equity | $28,009,330 | 2,312 |
| Average total loans | $716,546,670 | 590 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1654% | 2,371 |
| Cost of funding earning assets | 1.0768% | 3,679 |
| Net interest margin | 4.0886% | 2,311 |
| Noninterest income to average assets | 0.0698% | 7,038 |
| Noninterest expense to average assets | 3.1230% | 3,169 |
| Loan and lease loss provision to assets | 0.6165% | 1,391 |
| Net operating income to assets | 0.1595% | 5,913 |
| Return on assets (ROA) | 0.1595% | 5,966 |
| Pretax return on assets | 0.1595% | 6,030 |
| Return on Equity (ROE) | 3.9754% | 4,918 |
| Retained earnings to average equity (ytd only) | 3.9754% | 3,788 |
| Net charge-offs to loans | 0.7641% | 1,688 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 1.2588% | 3,730 |
| Efficiency ratio | 80.0975% | 2,512 |
| Assets per employee ($millions) | 4.7183% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8748% | 461 |
| Loan loss allowance to noncurrent loans | 37.2346% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 10.5200% | 372 |
| Noncurrent loans to loans | 10.4065% | 370 |
| Net loans and leases to total assets | 77.4032% | 814 |
| Net loans and leases to deposits | 87.3489% | 1,542 |
| Net loans and leases to core deposits | 92.0055% | 2,130 |
| Total domestic deposits to total assets | 88.6138% | 2,010 |
| Equity capital to assets | 4.1374% | 7,429 |
| Core capital (leverage) ratio | 4.2280% | 7,417 |
| Tier 1 risk-based capital ratio | 5.2687% | 7,445 |
| Total risk-based capital ratio | 6.5508% | 7,445 |
| Memoranda: | ||
| Average total assets | $905,141,000 | 740 |
| Average earning assets | $847,724,000 | 714 |
| Average equity | $36,323,000 | 1,821 |
| Average total loans | $730,238,000 | 585 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3331% | 2,967 |
| Cost of funding earning assets | 1.4188% | 3,143 |
| Net interest margin | 3.9143% | 3,422 |
| Noninterest income to average assets | -0.4384% | 7,552 |
| Noninterest expense to average assets | 3.0461% | 3,670 |
| Loan and lease loss provision to assets | 1.6951% | 836 |
| Net operating income to assets | -1.5042% | 6,911 |
| Return on assets (ROA) | -1.4476% | 6,914 |
| Pretax return on assets | -1.4654% | 6,845 |
| Return on Equity (ROE) | -31.8590% | 7,255 |
| Retained earnings to average equity (ytd only) | -31.8590% | 7,244 |
| Net charge-offs to loans | 2.9263% | 578 |
| Credit loss provision to net charge-offs | 69.0731% | 5,890 |
| Earnings coverage of net charge-offs (x) | 0.0703% | 6,049 |
| Efficiency ratio | 94.6406% | 1,028 |
| Assets per employee ($millions) | 4.7843% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7870% | 477 |
| Loan loss allowance to noncurrent loans | 40.5583% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 9.6370% | 439 |
| Noncurrent loans to loans | 9.3372% | 477 |
| Net loans and leases to total assets | 77.7663% | 977 |
| Net loans and leases to deposits | 87.4756% | 1,864 |
| Net loans and leases to core deposits | 91.9248% | 2,510 |
| Total domestic deposits to total assets | 88.9005% | 1,713 |
| Equity capital to assets | 3.8909% | 7,515 |
| Core capital (leverage) ratio | 3.9464% | 7,503 |
| Tier 1 risk-based capital ratio | 4.8853% | 7,528 |
| Total risk-based capital ratio | 6.1659% | 7,532 |
| Memoranda: | ||
| Average total assets | $942,617,800 | 713 |
| Average earning assets | $880,654,000 | 686 |
| Average equity | $42,829,400 | 1,552 |
| Average total loans | $790,477,600 | 552 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3251% | 3,230 |
| Cost of funding earning assets | 1.4876% | 3,054 |
| Net interest margin | 3.8375% | 3,808 |
| Noninterest income to average assets | -0.4724% | 7,674 |
| Noninterest expense to average assets | 3.0354% | 3,623 |
| Loan and lease loss provision to assets | 1.7411% | 717 |
| Net operating income to assets | -1.6765% | 7,154 |
| Return on assets (ROA) | -1.6008% | 7,141 |
| Pretax return on assets | -1.5868% | 7,068 |
| Return on Equity (ROE) | -34.0552% | 7,441 |
| Retained earnings to average equity (ytd only) | -34.0552% | 7,437 |
| Net charge-offs to loans | 2.9368% | 544 |
| Credit loss provision to net charge-offs | 70.0853% | 5,417 |
| Earnings coverage of net charge-offs (x) | 0.0316% | 5,998 |
| Efficiency ratio | 97.4757% | 840 |
| Assets per employee ($millions) | 4.7648% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9003% | 401 |
| Loan loss allowance to noncurrent loans | 39.3155% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 10.6387% | 351 |
| Noncurrent loans to loans | 9.9204% | 431 |
| Net loans and leases to total assets | 80.3429% | 689 |
| Net loans and leases to deposits | 90.7830% | 1,610 |
| Net loans and leases to core deposits | 95.4474% | 2,326 |
| Total domestic deposits to total assets | 88.4999% | 1,672 |
| Equity capital to assets | 4.2273% | 7,626 |
| Core capital (leverage) ratio | 4.2008% | 7,610 |
| Tier 1 risk-based capital ratio | 4.9969% | 7,641 |
| Total risk-based capital ratio | 6.2789% | 7,642 |
| Memoranda: | ||
| Average total assets | $949,819,750 | 706 |
| Average earning assets | $887,673,250 | 675 |
| Average equity | $44,648,000 | 1,505 |
| Average total loans | $803,445,250 | 545 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2768% | 3,573 |
| Cost of funding earning assets | 1.5654% | 2,868 |
| Net interest margin | 3.7114% | 4,308 |
| Noninterest income to average assets | -0.6265% | 7,763 |
| Noninterest expense to average assets | 2.9178% | 4,008 |
| Loan and lease loss provision to assets | 2.4760% | 464 |
| Net operating income to assets | -2.5477% | 7,428 |
| Return on assets (ROA) | -2.5334% | 7,439 |
| Pretax return on assets | -2.5334% | 7,376 |
| Return on Equity (ROE) | -52.2259% | 7,620 |
| Retained earnings to average equity (ytd only) | -52.2259% | 7,616 |
| Net charge-offs to loans | 3.7863% | 365 |
| Credit loss provision to net charge-offs | 77.0221% | 4,786 |
| Earnings coverage of net charge-offs (x) | -0.0223% | 5,738 |
| Efficiency ratio | 102.5216% | 723 |
| Assets per employee ($millions) | 4.8000% | 2,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0064% | 374 |
| Loan loss allowance to noncurrent loans | 39.9453% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 10.6447% | 352 |
| Noncurrent loans to loans | 10.0296% | 442 |
| Net loans and leases to total assets | 81.2417% | 637 |
| Net loans and leases to deposits | 91.3853% | 1,637 |
| Net loans and leases to core deposits | 96.0753% | 2,429 |
| Total domestic deposits to total assets | 88.9002% | 1,493 |
| Equity capital to assets | 4.1203% | 7,688 |
| Core capital (leverage) ratio | 3.9567% | 7,682 |
| Tier 1 risk-based capital ratio | 4.7902% | 7,715 |
| Total risk-based capital ratio | 6.0737% | 7,714 |
| Memoranda: | ||
| Average total assets | $961,477,670 | 689 |
| Average earning assets | $899,595,000 | 666 |
| Average equity | $46,639,670 | 1,442 |
| Average total loans | $816,312,000 | 539 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2424% | 3,820 |
| Cost of funding earning assets | 1.6782% | 2,492 |
| Net interest margin | 3.5642% | 4,882 |
| Noninterest income to average assets | -0.0180% | 7,697 |
| Noninterest expense to average assets | 2.7757% | 4,581 |
| Loan and lease loss provision to assets | 0.0410% | 6,264 |
| Net operating income to assets | 0.5021% | 4,381 |
| Return on assets (ROA) | 0.5304% | 4,368 |
| Pretax return on assets | 0.5304% | 4,853 |
| Return on Equity (ROE) | 10.2018% | 2,035 |
| Retained earnings to average equity (ytd only) | 10.2018% | 1,098 |
| Net charge-offs to loans | 2.3781% | 707 |
| Credit loss provision to net charge-offs | 2.0255% | 5,107 |
| Earnings coverage of net charge-offs (x) | 0.2686% | 4,805 |
| Efficiency ratio | 83.6357% | 2,055 |
| Assets per employee ($millions) | 4.9680% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6896% | 471 |
| Loan loss allowance to noncurrent loans | 34.2373% | 6,108 |
| Noncurrent assets plus other real estate owned to assets | 11.0201% | 332 |
| Noncurrent loans to loans | 10.7767% | 372 |
| Net loans and leases to total assets | 81.6108% | 633 |
| Net loans and leases to deposits | 92.7767% | 1,503 |
| Net loans and leases to core deposits | 98.9029% | 2,249 |
| Total domestic deposits to total assets | 87.9647% | 2,082 |
| Equity capital to assets | 5.3121% | 7,692 |
| Core capital (leverage) ratio | 5.3007% | 7,676 |
| Tier 1 risk-based capital ratio | 6.2201% | 7,740 |
| Total risk-based capital ratio | 7.4999% | 7,740 |
| Memoranda: | ||
| Average total assets | $976,616,500 | 695 |
| Average earning assets | $914,321,000 | 669 |
| Average equity | $50,775,500 | 1,317 |
| Average total loans | $830,419,500 | 550 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6200% | 3,499 |
| Cost of funding earning assets | 2.3790% | 1,364 |
| Net interest margin | 3.2410% | 5,958 |
| Noninterest income to average assets | -0.0091% | 7,725 |
| Noninterest expense to average assets | 3.1570% | 3,520 |
| Loan and lease loss provision to assets | 4.8872% | 208 |
| Net operating income to assets | -5.8221% | 7,829 |
| Return on assets (ROA) | -5.8147% | 7,815 |
| Pretax return on assets | -5.0410% | 7,712 |
| Return on Equity (ROE) | -72.4883% | 7,822 |
| Retained earnings to average equity (ytd only) | -72.4883% | 7,819 |
| Net charge-offs to loans | 2.7611% | 812 |
| Credit loss provision to net charge-offs | 208.2330% | 1,847 |
| Earnings coverage of net charge-offs (x) | -0.0687% | 6,294 |
| Efficiency ratio | 90.6537% | 1,661 |
| Assets per employee ($millions) | 5.0746% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1818% | 322 |
| Loan loss allowance to noncurrent loans | 63.8381% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 7.3924% | 661 |
| Noncurrent loans to loans | 6.5507% | 909 |
| Net loans and leases to total assets | 81.7507% | 729 |
| Net loans and leases to deposits | 92.7148% | 1,782 |
| Net loans and leases to core deposits | 138.2334% | 869 |
| Total domestic deposits to total assets | 88.1744% | 1,893 |
| Equity capital to assets | 5.0880% | 7,785 |
| Core capital (leverage) ratio | 4.8090% | 7,785 |
| Tier 1 risk-based capital ratio | 5.8998% | 7,819 |
| Total risk-based capital ratio | 7.1854% | 7,821 |
| Memoranda: | ||
| Average total assets | $1,040,740,600 | 647 |
| Average earning assets | $964,919,600 | 625 |
| Average equity | $83,483,800 | 772 |
| Average total loans | $884,650,200 | 540 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5959% | 3,887 |
| Cost of funding earning assets | 2.4299% | 1,522 |
| Net interest margin | 3.1661% | 6,127 |
| Noninterest income to average assets | -0.0736% | 7,909 |
| Noninterest expense to average assets | 3.2229% | 3,226 |
| Loan and lease loss provision to assets | 4.8734% | 182 |
| Net operating income to assets | -6.9473% | 7,975 |
| Return on assets (ROA) | -6.9375% | 7,973 |
| Pretax return on assets | -5.2307% | 7,836 |
| Return on Equity (ROE) | -79.6853% | 7,960 |
| Retained earnings to average equity (ytd only) | -79.6853% | 7,958 |
| Net charge-offs to loans | 2.8085% | 627 |
| Credit loss provision to net charge-offs | 204.3190% | 2,179 |
| Earnings coverage of net charge-offs (x) | -0.1539% | 6,242 |
| Efficiency ratio | 92.5287% | 1,500 |
| Assets per employee ($millions) | 5.1757% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2692% | 517 |
| Loan loss allowance to noncurrent loans | 45.2852% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 7.1457% | 659 |
| Noncurrent loans to loans | 7.2190% | 731 |
| Net loans and leases to total assets | 80.6987% | 1,044 |
| Net loans and leases to deposits | 92.7562% | 2,106 |
| Net loans and leases to core deposits | 133.8382% | 1,222 |
| Total domestic deposits to total assets | 87.0009% | 2,179 |
| Equity capital to assets | 5.3726% | 7,930 |
| Core capital (leverage) ratio | 5.5015% | 7,868 |
| Tier 1 risk-based capital ratio | 6.2946% | 7,940 |
| Total risk-based capital ratio | 7.5687% | 7,941 |
| Memoranda: | ||
| Average total assets | $1,054,805,500 | 647 |
| Average earning assets | $975,946,000 | 629 |
| Average equity | $91,832,250 | 708 |
| Average total loans | $895,826,500 | 547 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6855% | 3,633 |
| Cost of funding earning assets | 2.5577% | 1,415 |
| Net interest margin | 3.1277% | 6,161 |
| Noninterest income to average assets | -0.0910% | 8,027 |
| Noninterest expense to average assets | 2.5873% | 5,789 |
| Loan and lease loss provision to assets | 4.5971% | 242 |
| Net operating income to assets | -2.9046% | 7,653 |
| Return on assets (ROA) | -2.8466% | 7,639 |
| Pretax return on assets | -4.3083% | 7,781 |
| Return on Equity (ROE) | -29.0563% | 7,695 |
| Retained earnings to average equity (ytd only) | -29.0563% | 7,671 |
| Net charge-offs to loans | 2.3471% | 762 |
| Credit loss provision to net charge-offs | 229.2977% | 2,010 |
| Earnings coverage of net charge-offs (x) | 0.1003% | 5,577 |
| Efficiency ratio | 90.1036% | 1,795 |
| Assets per employee ($millions) | 4.8178% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5299% | 873 |
| Loan loss allowance to noncurrent loans | 36.1657% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 7.5983% | 519 |
| Noncurrent loans to loans | 6.9954% | 697 |
| Net loans and leases to total assets | 87.4643% | 273 |
| Net loans and leases to deposits | 106.2148% | 752 |
| Net loans and leases to core deposits | 144.4519% | 821 |
| Total domestic deposits to total assets | 82.3466% | 4,545 |
| Equity capital to assets | 9.6863% | 4,369 |
| Core capital (leverage) ratio | 6.7801% | 7,670 |
| Tier 1 risk-based capital ratio | 7.6891% | 7,943 |
| Total risk-based capital ratio | 8.9538% | 7,955 |
| Memoranda: | ||
| Average total assets | $1,059,632,670 | 658 |
| Average earning assets | $975,469,330 | 644 |
| Average equity | $103,812,330 | 643 |
| Average total loans | $905,135,000 | 552 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5569% | 4,603 |
| Cost of funding earning assets | 2.5679% | 1,667 |
| Net interest margin | 2.9890% | 6,513 |
| Noninterest income to average assets | 0.0862% | 7,624 |
| Noninterest expense to average assets | 2.3165% | 6,481 |
| Loan and lease loss provision to assets | 3.9181% | 243 |
| Net operating income to assets | -2.2280% | 7,714 |
| Return on assets (ROA) | -2.1810% | 7,704 |
| Pretax return on assets | -3.2964% | 7,807 |
| Return on Equity (ROE) | -22.1495% | 7,800 |
| Retained earnings to average equity (ytd only) | -22.1495% | 7,704 |
| Net charge-offs to loans | 2.3784% | 608 |
| Credit loss provision to net charge-offs | 197.3520% | 2,249 |
| Earnings coverage of net charge-offs (x) | 0.2773% | 4,750 |
| Efficiency ratio | 78.2758% | 3,123 |
| Assets per employee ($millions) | 5.1519% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 2,712 |
| Loan loss allowance to noncurrent loans | 22.4925% | 7,040 |
| Noncurrent assets plus other real estate owned to assets | 6.8963% | 502 |
| Noncurrent loans to loans | 6.9028% | 592 |
| Net loans and leases to total assets | 82.7333% | 894 |
| Net loans and leases to deposits | 97.6694% | 1,709 |
| Net loans and leases to core deposits | 129.4770% | 1,696 |
| Total domestic deposits to total assets | 84.7074% | 3,356 |
| Equity capital to assets | 9.7824% | 4,255 |
| Core capital (leverage) ratio | 7.9254% | 6,577 |
| Tier 1 risk-based capital ratio | 9.0388% | 7,772 |
| Total risk-based capital ratio | 10.2916% | 7,795 |
| Memoranda: | ||
| Average total assets | $1,095,622,500 | 633 |
| Average earning assets | $1,019,339,000 | 612 |
| Average equity | $107,885,000 | 620 |
| Average total loans | $914,569,500 | 552 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2866% | 4,040 |
| Cost of funding earning assets | 2.9076% | 2,236 |
| Net interest margin | 3.3789% | 5,750 |
| Noninterest income to average assets | -0.0536% | 8,184 |
| Noninterest expense to average assets | 6.0342% | 398 |
| Loan and lease loss provision to assets | 1.3749% | 1,010 |
| Net operating income to assets | -2.8940% | 7,801 |
| Return on assets (ROA) | -2.8929% | 7,769 |
| Pretax return on assets | -4.3760% | 7,953 |
| Return on Equity (ROE) | -22.5714% | 7,814 |
| Retained earnings to average equity (ytd only) | -25.1372% | 7,813 |
| Net charge-offs to loans | 1.7568% | 627 |
| Credit loss provision to net charge-offs | 88.3582% | 5,713 |
| Earnings coverage of net charge-offs (x) | -1.9298% | 6,703 |
| Efficiency ratio | 73.3147% | 3,687 |
| Assets per employee ($millions) | 5.4617% | 1,486 |
| Cash dividends to net income (ytd only)* | -11.3673% | 7,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9356% | 6,473 |
| Loan loss allowance to noncurrent loans | 16.6804% | 7,348 |
| Noncurrent assets plus other real estate owned to assets | 5.5144% | 587 |
| Noncurrent loans to loans | 5.6090% | 704 |
| Net loans and leases to total assets | 82.1599% | 1,200 |
| Net loans and leases to deposits | 97.9925% | 2,127 |
| Net loans and leases to core deposits | 129.3205% | 1,905 |
| Total domestic deposits to total assets | 83.8430% | 3,401 |
| Equity capital to assets | 9.9087% | 4,148 |
| Core capital (leverage) ratio | 8.7949% | 5,042 |
| Tier 1 risk-based capital ratio | 9.5623% | 7,240 |
| Total risk-based capital ratio | 10.4445% | 7,574 |
| Memoranda: | ||
| Average total assets | $1,064,325,200 | 623 |
| Average earning assets | $971,753,400 | 619 |
| Average equity | $136,411,400 | 518 |
| Average total loans | $942,688,600 | 518 |