Home > First Guaranty Bank and Trust Company of Jacksonville > Performance and Condition Ratios
First Guaranty Bank and Trust Company of Jacksonville, 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 | 3.5224% | 6,981 |
| Cost of funding earning assets | 1.6409% | 407 |
| Net interest margin | 1.8815% | 7,245 |
| Noninterest income to average assets | 0.3503% | 5,001 |
| Noninterest expense to average assets | 4.0475% | 963 |
| Loan and lease loss provision to assets | 0.5440% | 1,927 |
| Net operating income to assets | -2.5945% | 7,128 |
| Return on assets (ROA) | -2.4714% | 7,117 |
| Pretax return on assets | -2.4714% | 7,116 |
| Return on Equity (ROE) | -121.8130% | 7,330 |
| Retained earnings to average equity (ytd only) | -121.8130% | 7,330 |
| Net charge-offs to loans | 1.6740% | 922 |
| Credit loss provision to net charge-offs | 44.8529% | 5,538 |
| Earnings coverage of net charge-offs (x) | -1.6906% | 6,264 |
| Efficiency ratio | 202.6796% | 57 |
| Assets per employee ($millions) | 4.9635% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5396% | 127 |
| Loan loss allowance to noncurrent loans | 15.6801% | 6,726 |
| Noncurrent assets plus other real estate owned to assets | 28.4246% | 12 |
| Noncurrent loans to loans | 35.3291% | 5 |
| Net loans and leases to total assets | 64.9763% | 2,992 |
| Net loans and leases to deposits | 68.2006% | 4,411 |
| Net loans and leases to core deposits | 74.8497% | 4,123 |
| Total domestic deposits to total assets | 95.2723% | 53 |
| Equity capital to assets | 0.6132% | 7,346 |
| Core capital (leverage) ratio | 0.6049% | 7,346 |
| Tier 1 risk-based capital ratio | 0.8438% | 7,347 |
| Total risk-based capital ratio | 1.6876% | 7,347 |
| Memoranda: | ||
| Average total assets | $403,655,200 | 1,609 |
| Average earning assets | $353,281,200 | 1,678 |
| Average equity | $8,189,600 | 5,513 |
| Average total loans | $292,478,000 | 1,453 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7012% | 6,932 |
| Cost of funding earning assets | 1.7153% | 374 |
| Net interest margin | 1.9859% | 7,300 |
| Noninterest income to average assets | 0.3148% | 5,348 |
| Noninterest expense to average assets | 3.9871% | 1,019 |
| Loan and lease loss provision to assets | 0.2622% | 3,407 |
| Net operating income to assets | -2.1959% | 7,170 |
| Return on assets (ROA) | -2.0455% | 7,155 |
| Pretax return on assets | -2.0455% | 7,134 |
| Return on Equity (ROE) | -86.1056% | 7,368 |
| Retained earnings to average equity (ytd only) | -86.1056% | 7,368 |
| Net charge-offs to loans | 2.1934% | 558 |
| Credit loss provision to net charge-offs | 16.2952% | 5,604 |
| Earnings coverage of net charge-offs (x) | -1.2018% | 5,956 |
| Efficiency ratio | 194.1685% | 56 |
| Assets per employee ($millions) | 4.7835% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9627% | 192 |
| Loan loss allowance to noncurrent loans | 15.7208% | 6,796 |
| Noncurrent assets plus other real estate owned to assets | 27.5508% | 13 |
| Noncurrent loans to loans | 31.5679% | 14 |
| Net loans and leases to total assets | 69.6137% | 2,156 |
| Net loans and leases to deposits | 75.2729% | 3,459 |
| Net loans and leases to core deposits | 89.9894% | 2,252 |
| Total domestic deposits to total assets | 92.4818% | 164 |
| Equity capital to assets | 1.6584% | 7,412 |
| Core capital (leverage) ratio | 1.6408% | 7,413 |
| Tier 1 risk-based capital ratio | 2.1243% | 7,412 |
| Total risk-based capital ratio | 3.4171% | 7,413 |
| Memoranda: | ||
| Average total assets | $405,298,500 | 1,608 |
| Average earning assets | $354,829,000 | 1,673 |
| Average equity | $9,628,250 | 5,148 |
| Average total loans | $297,312,500 | 1,447 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8422% | 6,876 |
| Cost of funding earning assets | 1.7585% | 369 |
| Net interest margin | 2.0837% | 7,346 |
| Noninterest income to average assets | 0.5680% | 3,349 |
| Noninterest expense to average assets | 3.6908% | 1,541 |
| Loan and lease loss provision to assets | 0.2162% | 3,758 |
| Net operating income to assets | -1.5086% | 7,098 |
| Return on assets (ROA) | -1.2890% | 7,041 |
| Pretax return on assets | -1.2890% | 6,992 |
| Return on Equity (ROE) | -49.6992% | 7,346 |
| Retained earnings to average equity (ytd only) | -49.6992% | 7,343 |
| Net charge-offs to loans | 2.6073% | 434 |
| Credit loss provision to net charge-offs | 11.2989% | 5,232 |
| Earnings coverage of net charge-offs (x) | -0.6754% | 5,574 |
| Efficiency ratio | 153.8833% | 140 |
| Assets per employee ($millions) | 4.6854% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9812% | 191 |
| Loan loss allowance to noncurrent loans | 15.9485% | 6,838 |
| Noncurrent assets plus other real estate owned to assets | 26.5944% | 19 |
| Noncurrent loans to loans | 31.2327% | 11 |
| Net loans and leases to total assets | 69.3723% | 2,348 |
| Net loans and leases to deposits | 75.4456% | 3,571 |
| Net loans and leases to core deposits | 91.9407% | 2,143 |
| Total domestic deposits to total assets | 91.9501% | 242 |
| Equity capital to assets | 2.4801% | 7,453 |
| Core capital (leverage) ratio | 2.4507% | 7,455 |
| Tier 1 risk-based capital ratio | 3.2445% | 7,455 |
| Total risk-based capital ratio | 4.5379% | 7,456 |
| Memoranda: | ||
| Average total assets | $414,433,330 | 1,590 |
| Average earning assets | $364,063,330 | 1,647 |
| Average equity | $10,748,670 | 4,858 |
| Average total loans | $304,149,000 | 1,419 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6198% | 7,123 |
| Cost of funding earning assets | 1.8131% | 355 |
| Net interest margin | 1.8067% | 7,451 |
| Noninterest income to average assets | 0.3389% | 5,195 |
| Noninterest expense to average assets | 3.7970% | 1,343 |
| Loan and lease loss provision to assets | 0.3596% | 2,398 |
| Net operating income to assets | -2.2266% | 7,314 |
| Return on assets (ROA) | -2.2266% | 7,313 |
| Pretax return on assets | -2.2266% | 7,293 |
| Return on Equity (ROE) | -84.1450% | 7,484 |
| Retained earnings to average equity (ytd only) | -84.1450% | 7,477 |
| Net charge-offs to loans | 4.6751% | 172 |
| Credit loss provision to net charge-offs | 10.4572% | 4,376 |
| Earnings coverage of net charge-offs (x) | -0.5428% | 4,806 |
| Efficiency ratio | 196.7317% | 71 |
| Assets per employee ($millions) | 4.5512% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7750% | 230 |
| Loan loss allowance to noncurrent loans | 17.3703% | 6,860 |
| Noncurrent assets plus other real estate owned to assets | 24.7859% | 27 |
| Noncurrent loans to loans | 27.4894% | 22 |
| Net loans and leases to total assets | 70.8875% | 1,952 |
| Net loans and leases to deposits | 76.8806% | 3,276 |
| Net loans and leases to core deposits | 93.0465% | 2,004 |
| Total domestic deposits to total assets | 92.2047% | 240 |
| Equity capital to assets | 2.4353% | 7,507 |
| Core capital (leverage) ratio | 2.3677% | 7,510 |
| Tier 1 risk-based capital ratio | 3.1659% | 7,515 |
| Total risk-based capital ratio | 4.4571% | 7,514 |
| Memoranda: | ||
| Average total assets | $424,864,000 | 1,563 |
| Average earning assets | $374,167,000 | 1,619 |
| Average equity | $11,242,500 | 4,735 |
| Average total loans | $312,552,000 | 1,395 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2303% | 6,885 |
| Cost of funding earning assets | 2.1193% | 396 |
| Net interest margin | 2.1110% | 7,426 |
| Noninterest income to average assets | 0.4178% | 4,758 |
| Noninterest expense to average assets | 3.7331% | 1,624 |
| Loan and lease loss provision to assets | 1.9718% | 669 |
| Net operating income to assets | -3.5117% | 7,375 |
| Return on assets (ROA) | -3.5079% | 7,390 |
| Pretax return on assets | -3.4167% | 7,351 |
| Return on Equity (ROE) | -73.1222% | 7,526 |
| Retained earnings to average equity (ytd only) | -73.1222% | 7,525 |
| Net charge-offs to loans | 1.2829% | 1,745 |
| Credit loss provision to net charge-offs | 205.2925% | 1,510 |
| Earnings coverage of net charge-offs (x) | -1.5084% | 6,677 |
| Efficiency ratio | 163.4199% | 155 |
| Assets per employee ($millions) | 4.8365% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5690% | 137 |
| Loan loss allowance to noncurrent loans | 20.7470% | 6,782 |
| Noncurrent assets plus other real estate owned to assets | 22.7997% | 46 |
| Noncurrent loans to loans | 26.8425% | 24 |
| Net loans and leases to total assets | 68.6976% | 2,814 |
| Net loans and leases to deposits | 74.5299% | 4,111 |
| Net loans and leases to core deposits | 92.7292% | 2,416 |
| Total domestic deposits to total assets | 92.1746% | 242 |
| Equity capital to assets | 2.8424% | 7,573 |
| Core capital (leverage) ratio | 2.8320% | 7,568 |
| Tier 1 risk-based capital ratio | 3.8099% | 7,573 |
| Total risk-based capital ratio | 5.1120% | 7,574 |
| Memoranda: | ||
| Average total assets | $448,532,600 | 1,484 |
| Average earning assets | $396,589,000 | 1,529 |
| Average equity | $21,517,400 | 2,947 |
| Average total loans | $335,800,800 | 1,329 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4088% | 6,804 |
| Cost of funding earning assets | 2.1687% | 417 |
| Net interest margin | 2.2401% | 7,504 |
| Noninterest income to average assets | 0.3817% | 5,103 |
| Noninterest expense to average assets | 3.6907% | 1,585 |
| Loan and lease loss provision to assets | 2.0741% | 562 |
| Net operating income to assets | -3.5253% | 7,523 |
| Return on assets (ROA) | -3.5203% | 7,532 |
| Pretax return on assets | -3.3993% | 7,486 |
| Return on Equity (ROE) | -66.7400% | 7,626 |
| Retained earnings to average equity (ytd only) | -66.7400% | 7,624 |
| Net charge-offs to loans | 1.5911% | 1,238 |
| Credit loss provision to net charge-offs | 172.9156% | 2,129 |
| Earnings coverage of net charge-offs (x) | -1.1090% | 6,462 |
| Efficiency ratio | 156.3550% | 174 |
| Assets per employee ($millions) | 4.7708% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9829% | 174 |
| Loan loss allowance to noncurrent loans | 22.0835% | 6,812 |
| Noncurrent assets plus other real estate owned to assets | 20.6260% | 53 |
| Noncurrent loans to loans | 22.5639% | 54 |
| Net loans and leases to total assets | 71.3779% | 2,388 |
| Net loans and leases to deposits | 78.5822% | 3,715 |
| Net loans and leases to core deposits | 101.5557% | 1,699 |
| Total domestic deposits to total assets | 90.8321% | 508 |
| Equity capital to assets | 3.9422% | 7,643 |
| Core capital (leverage) ratio | 3.6228% | 7,643 |
| Tier 1 risk-based capital ratio | 4.8678% | 7,646 |
| Total risk-based capital ratio | 6.1625% | 7,646 |
| Memoranda: | ||
| Average total assets | $450,635,750 | 1,498 |
| Average earning assets | $398,073,750 | 1,547 |
| Average equity | $23,769,250 | 2,721 |
| Average total loans | $339,705,250 | 1,326 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3902% | 6,917 |
| Cost of funding earning assets | 2.2005% | 468 |
| Net interest margin | 2.1897% | 7,588 |
| Noninterest income to average assets | 0.5564% | 3,653 |
| Noninterest expense to average assets | 3.4665% | 2,108 |
| Loan and lease loss provision to assets | 1.7254% | 726 |
| Net operating income to assets | -2.6948% | 7,459 |
| Return on assets (ROA) | -2.6931% | 7,470 |
| Pretax return on assets | -2.6931% | 7,415 |
| Return on Equity (ROE) | -47.2692% | 7,593 |
| Retained earnings to average equity (ytd only) | -47.2692% | 7,589 |
| Net charge-offs to loans | 0.3602% | 3,553 |
| Credit loss provision to net charge-offs | 634.6774% | 577 |
| Earnings coverage of net charge-offs (x) | -3.5661% | 6,274 |
| Efficiency ratio | 138.8235% | 258 |
| Assets per employee ($millions) | 5.0545% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9089% | 179 |
| Loan loss allowance to noncurrent loans | 20.6271% | 6,910 |
| Noncurrent assets plus other real estate owned to assets | 20.1674% | 56 |
| Noncurrent loans to loans | 23.7985% | 38 |
| Net loans and leases to total assets | 69.9528% | 2,910 |
| Net loans and leases to deposits | 78.4738% | 3,888 |
| Net loans and leases to core deposits | 101.2448% | 1,899 |
| Total domestic deposits to total assets | 89.1416% | 1,355 |
| Equity capital to assets | 4.9516% | 7,637 |
| Core capital (leverage) ratio | 4.7068% | 7,636 |
| Tier 1 risk-based capital ratio | 6.4128% | 7,642 |
| Total risk-based capital ratio | 7.7072% | 7,644 |
| Memoranda: | ||
| Average total assets | $456,132,000 | 1,497 |
| Average earning assets | $404,264,000 | 1,531 |
| Average equity | $25,987,330 | 2,490 |
| Average total loans | $344,228,330 | 1,331 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5363% | 6,712 |
| Cost of funding earning assets | 2.2856% | 451 |
| Net interest margin | 2.2508% | 7,622 |
| Noninterest income to average assets | 0.8657% | 1,755 |
| Noninterest expense to average assets | 3.2680% | 2,641 |
| Loan and lease loss provision to assets | 1.4548% | 811 |
| Net operating income to assets | -1.8634% | 7,429 |
| Return on assets (ROA) | -1.8599% | 7,432 |
| Pretax return on assets | -1.8599% | 7,374 |
| Return on Equity (ROE) | -30.6159% | 7,582 |
| Retained earnings to average equity (ytd only) | -30.6159% | 7,559 |
| Net charge-offs to loans | 0.0207% | 5,292 |
| Credit loss provision to net charge-offs | 9,177.7778% | 49 |
| Earnings coverage of net charge-offs (x) | -25.7778% | 5,584 |
| Efficiency ratio | 114.2901% | 525 |
| Assets per employee ($millions) | 5.6488% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3337% | 285 |
| Loan loss allowance to noncurrent loans | 18.8982% | 7,067 |
| Noncurrent assets plus other real estate owned to assets | 19.0760% | 66 |
| Noncurrent loans to loans | 22.9318% | 49 |
| Net loans and leases to total assets | 69.4532% | 3,063 |
| Net loans and leases to deposits | 77.3583% | 4,156 |
| Net loans and leases to core deposits | 100.0665% | 2,123 |
| Total domestic deposits to total assets | 89.7813% | 1,095 |
| Equity capital to assets | 5.6019% | 7,672 |
| Core capital (leverage) ratio | 5.7585% | 7,615 |
| Tier 1 risk-based capital ratio | 7.4715% | 7,659 |
| Total risk-based capital ratio | 8.7591% | 7,665 |
| Memoranda: | ||
| Average total assets | $454,220,000 | 1,546 |
| Average earning assets | $402,350,500 | 1,581 |
| Average equity | $27,593,500 | 2,400 |
| Average total loans | $347,161,500 | 1,365 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3617% | 4,882 |
| Cost of funding earning assets | 2.6135% | 752 |
| Net interest margin | 2.7482% | 7,145 |
| Noninterest income to average assets | 0.6607% | 3,216 |
| Noninterest expense to average assets | 3.4373% | 2,562 |
| Loan and lease loss provision to assets | 3.7306% | 394 |
| Net operating income to assets | -3.7152% | 7,558 |
| Return on assets (ROA) | -3.7003% | 7,559 |
| Pretax return on assets | -4.0338% | 7,533 |
| Return on Equity (ROE) | -41.8729% | 7,597 |
| Retained earnings to average equity (ytd only) | -41.8729% | 7,585 |
| Net charge-offs to loans | 4.1713% | 378 |
| Credit loss provision to net charge-offs | 111.4637% | 4,929 |
| Earnings coverage of net charge-offs (x) | -0.0954% | 6,329 |
| Efficiency ratio | 110.2456% | 792 |
| Assets per employee ($millions) | 5.2919% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8003% | 408 |
| Loan loss allowance to noncurrent loans | 19.2807% | 7,094 |
| Noncurrent assets plus other real estate owned to assets | 18.0563% | 81 |
| Noncurrent loans to loans | 19.7106% | 73 |
| Net loans and leases to total assets | 77.5553% | 1,474 |
| Net loans and leases to deposits | 87.7467% | 2,601 |
| Net loans and leases to core deposits | 102.0044% | 3,801 |
| Total domestic deposits to total assets | 88.3854% | 1,778 |
| Equity capital to assets | 6.5922% | 7,543 |
| Core capital (leverage) ratio | 6.2908% | 7,556 |
| Tier 1 risk-based capital ratio | 7.9620% | 7,658 |
| Total risk-based capital ratio | 9.2430% | 7,664 |
| Memoranda: | ||
| Average total assets | $462,370,400 | 1,495 |
| Average earning assets | $413,396,600 | 1,529 |
| Average equity | $40,859,400 | 1,636 |
| Average total loans | $370,985,200 | 1,294 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5982% | 3,872 |
| Cost of funding earning assets | 2.6668% | 869 |
| Net interest margin | 2.9314% | 6,775 |
| Noninterest income to average assets | 0.6648% | 3,252 |
| Noninterest expense to average assets | 3.2833% | 2,982 |
| Loan and lease loss provision to assets | 1.2030% | 1,613 |
| Net operating income to assets | -0.7435% | 6,641 |
| Return on assets (ROA) | -0.7299% | 6,644 |
| Pretax return on assets | -1.1695% | 6,801 |
| Return on Equity (ROE) | -7.8014% | 6,714 |
| Retained earnings to average equity (ytd only) | -7.8014% | 6,579 |
| Net charge-offs to loans | 2.0378% | 962 |
| Credit loss provision to net charge-offs | 73.6568% | 5,911 |
| Earnings coverage of net charge-offs (x) | 0.0075% | 6,054 |
| Efficiency ratio | 99.6294% | 1,076 |
| Assets per employee ($millions) | 4.5890% | 2,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7103% | 873 |
| Loan loss allowance to noncurrent loans | 18.3590% | 7,178 |
| Noncurrent assets plus other real estate owned to assets | 12.9377% | 183 |
| Noncurrent loans to loans | 14.7627% | 151 |
| Net loans and leases to total assets | 79.8670% | 1,197 |
| Net loans and leases to deposits | 93.3267% | 1,993 |
| Net loans and leases to core deposits | 108.8111% | 3,369 |
| Total domestic deposits to total assets | 85.5778% | 2,928 |
| Equity capital to assets | 9.4894% | 4,760 |
| Core capital (leverage) ratio | 8.5639% | 5,364 |
| Tier 1 risk-based capital ratio | 10.2909% | 6,693 |
| Total risk-based capital ratio | 11.5583% | 6,621 |
| Memoranda: | ||
| Average total assets | $469,478,500 | 1,490 |
| Average earning assets | $421,317,000 | 1,518 |
| Average equity | $43,922,750 | 1,546 |
| Average total loans | $376,272,250 | 1,290 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6323% | 3,902 |
| Cost of funding earning assets | 2.7171% | 991 |
| Net interest margin | 2.9152% | 6,765 |
| Noninterest income to average assets | 0.6474% | 3,364 |
| Noninterest expense to average assets | 3.2315% | 3,228 |
| Loan and lease loss provision to assets | 1.2334% | 1,397 |
| Net operating income to assets | -0.7377% | 6,784 |
| Return on assets (ROA) | -0.7176% | 6,771 |
| Pretax return on assets | -1.1650% | 6,914 |
| Return on Equity (ROE) | -7.7044% | 6,873 |
| Retained earnings to average equity (ytd only) | -7.7044% | 6,637 |
| Net charge-offs to loans | 2.2518% | 798 |
| Credit loss provision to net charge-offs | 68.8717% | 5,438 |
| Earnings coverage of net charge-offs (x) | 0.0206% | 5,658 |
| Efficiency ratio | 98.8689% | 1,234 |
| Assets per employee ($millions) | 4.4934% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7205% | 732 |
| Loan loss allowance to noncurrent loans | 24.1810% | 6,887 |
| Noncurrent assets plus other real estate owned to assets | 9.9084% | 301 |
| Noncurrent loans to loans | 11.2504% | 262 |
| Net loans and leases to total assets | 78.7610% | 1,580 |
| Net loans and leases to deposits | 91.8608% | 2,496 |
| Net loans and leases to core deposits | 105.9651% | 3,848 |
| Total domestic deposits to total assets | 85.7395% | 2,909 |
| Equity capital to assets | 9.4072% | 4,740 |
| Core capital (leverage) ratio | 8.5439% | 5,367 |
| Tier 1 risk-based capital ratio | 10.4139% | 6,463 |
| Total risk-based capital ratio | 11.6813% | 6,392 |
| Memoranda: | ||
| Average total assets | $476,063,330 | 1,495 |
| Average earning assets | $428,033,000 | 1,510 |
| Average equity | $44,338,330 | 1,540 |
| Average total loans | $378,634,000 | 1,310 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5973% | 4,371 |
| Cost of funding earning assets | 2.7487% | 1,115 |
| Net interest margin | 2.8487% | 6,880 |
| Noninterest income to average assets | 0.7226% | 2,748 |
| Noninterest expense to average assets | 2.9526% | 3,964 |
| Loan and lease loss provision to assets | 1.7063% | 729 |
| Net operating income to assets | -0.8411% | 7,148 |
| Return on assets (ROA) | -0.8411% | 7,182 |
| Pretax return on assets | -1.3632% | 7,325 |
| Return on Equity (ROE) | -9.0750% | 7,304 |
| Retained earnings to average equity (ytd only) | -9.0750% | 7,021 |
| Net charge-offs to loans | 3.8487% | 319 |
| Credit loss provision to net charge-offs | 56.2261% | 4,585 |
| Earnings coverage of net charge-offs (x) | 0.1131% | 4,892 |
| Efficiency ratio | 89.5901% | 1,755 |
| Assets per employee ($millions) | 4.6890% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6297% | 666 |
| Loan loss allowance to noncurrent loans | 25.2604% | 6,883 |
| Noncurrent assets plus other real estate owned to assets | 9.0547% | 275 |
| Noncurrent loans to loans | 10.4104% | 264 |
| Net loans and leases to total assets | 76.7822% | 2,091 |
| Net loans and leases to deposits | 89.1535% | 3,080 |
| Net loans and leases to core deposits | 101.6272% | 4,386 |
| Total domestic deposits to total assets | 86.1236% | 2,648 |
| Equity capital to assets | 9.2479% | 5,013 |
| Core capital (leverage) ratio | 8.6694% | 5,212 |
| Tier 1 risk-based capital ratio | 10.6119% | 6,281 |
| Total risk-based capital ratio | 11.8783% | 6,182 |
| Memoranda: | ||
| Average total assets | $482,686,000 | 1,473 |
| Average earning assets | $435,995,500 | 1,488 |
| Average equity | $44,738,500 | 1,532 |
| Average total loans | $380,594,000 | 1,315 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5418% | 2,753 |
| Cost of funding earning assets | 3.2475% | 1,046 |
| Net interest margin | 3.2943% | 6,058 |
| Noninterest income to average assets | 0.7625% | 2,711 |
| Noninterest expense to average assets | 3.0841% | 3,765 |
| Loan and lease loss provision to assets | 2.3441% | 468 |
| Net operating income to assets | -1.0240% | 7,262 |
| Return on assets (ROA) | -1.0226% | 7,179 |
| Pretax return on assets | -1.6566% | 7,326 |
| Return on Equity (ROE) | -10.3608% | 7,301 |
| Retained earnings to average equity (ytd only) | -11.3021% | 7,185 |
| Net charge-offs to loans | 0.8191% | 1,530 |
| Credit loss provision to net charge-offs | 336.9533% | 1,344 |
| Earnings coverage of net charge-offs (x) | 0.9850% | 5,635 |
| Efficiency ratio | 81.8202% | 2,323 |
| Assets per employee ($millions) | 4.8227% | 2,153 |
| Cash dividends to net income (ytd only)* | -9.0855% | 7,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0000% | 430 |
| Loan loss allowance to noncurrent loans | 29.0326% | 6,758 |
| Noncurrent assets plus other real estate owned to assets | 9.1161% | 216 |
| Noncurrent loans to loans | 10.3331% | 196 |
| Net loans and leases to total assets | 76.4773% | 2,505 |
| Net loans and leases to deposits | 88.6704% | 3,692 |
| Net loans and leases to core deposits | 100.2546% | 4,804 |
| Total domestic deposits to total assets | 86.2490% | 2,290 |
| Equity capital to assets | 9.2890% | 4,945 |
| Core capital (leverage) ratio | 9.1811% | 4,473 |
| Tier 1 risk-based capital ratio | 11.5613% | 5,184 |
| Total risk-based capital ratio | 12.8323% | 5,053 |
| Memoranda: | ||
| Average total assets | $489,732,800 | 1,392 |
| Average earning assets | $447,017,400 | 1,393 |
| Average equity | $48,336,200 | 1,421 |
| Average total loans | $415,929,600 | 1,155 |