Home > First State Bank > Performance and Condition Ratios
First State 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 | 5.1772% | 2,290 |
| Cost of funding earning assets | 1.9071% | 175 |
| Net interest margin | 3.2701% | 5,954 |
| Noninterest income to average assets | 0.1956% | 6,196 |
| Noninterest expense to average assets | 4.2349% | 769 |
| Loan and lease loss provision to assets | -0.0726% | 7,348 |
| Net operating income to assets | -0.8386% | 6,817 |
| Return on assets (ROA) | -0.8194% | 6,843 |
| Pretax return on assets | -0.8194% | 6,795 |
| Return on Equity (ROE) | -64.1939% | 7,334 |
| Retained earnings to average equity (ytd only) | -64.1939% | 7,331 |
| Net charge-offs to loans | 0.6006% | 2,461 |
| Credit loss provision to net charge-offs | -15.7895% | 6,421 |
| Earnings coverage of net charge-offs (x) | -1.9806% | 6,020 |
| Efficiency ratio | 127.4156% | 247 |
| Assets per employee ($millions) | 7.6741% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6353% | 238 |
| Loan loss allowance to noncurrent loans | 34.5831% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 11.2634% | 266 |
| Noncurrent loans to loans | 13.4034% | 187 |
| Net loans and leases to total assets | 71.5161% | 1,816 |
| Net loans and leases to deposits | 72.9430% | 3,817 |
| Net loans and leases to core deposits | 75.4886% | 4,253 |
| Total domestic deposits to total assets | 98.0438% | 7 |
| Equity capital to assets | 1.0680% | 7,420 |
| Core capital (leverage) ratio | 0.8410% | 7,425 |
| Tier 1 risk-based capital ratio | 1.0893% | 7,424 |
| Total risk-based capital ratio | 2.1786% | 7,424 |
| Memoranda: | ||
| Average total assets | $209,242,250 | 2,967 |
| Average earning assets | $200,154,250 | 2,858 |
| Average equity | $2,671,000 | 7,148 |
| Average total loans | $160,270,000 | 2,507 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3204% | 1,820 |
| Cost of funding earning assets | 1.9571% | 165 |
| Net interest margin | 3.3632% | 5,670 |
| Noninterest income to average assets | -0.8752% | 7,468 |
| Noninterest expense to average assets | 3.3231% | 2,486 |
| Loan and lease loss provision to assets | -0.0698% | 7,413 |
| Net operating income to assets | -0.9096% | 6,914 |
| Return on assets (ROA) | -0.8817% | 6,906 |
| Pretax return on assets | -0.8817% | 6,856 |
| Return on Equity (ROE) | -65.8715% | 7,388 |
| Retained earnings to average equity (ytd only) | -65.8715% | 7,385 |
| Net charge-offs to loans | 0.6456% | 2,231 |
| Credit loss provision to net charge-offs | -14.0187% | 6,189 |
| Earnings coverage of net charge-offs (x) | -1.9682% | 5,710 |
| Efficiency ratio | 141.7857% | 189 |
| Assets per employee ($millions) | 8.1770% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4499% | 286 |
| Loan loss allowance to noncurrent loans | 45.2332% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 8.0205% | 575 |
| Noncurrent loans to loans | 9.8376% | 395 |
| Net loans and leases to total assets | 68.8742% | 2,440 |
| Net loans and leases to deposits | 69.9726% | 4,444 |
| Net loans and leases to core deposits | 74.5785% | 4,498 |
| Total domestic deposits to total assets | 98.4302% | 5 |
| Equity capital to assets | 1.0268% | 7,497 |
| Core capital (leverage) ratio | 0.9577% | 7,495 |
| Tier 1 risk-based capital ratio | 1.3037% | 7,496 |
| Total risk-based capital ratio | 2.5911% | 7,496 |
| Memoranda: | ||
| Average total assets | $215,039,000 | 2,911 |
| Average earning assets | $205,813,000 | 2,808 |
| Average equity | $2,878,330 | 7,160 |
| Average total loans | $165,735,330 | 2,457 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5715% | 1,116 |
| Cost of funding earning assets | 1.9800% | 179 |
| Net interest margin | 3.5914% | 4,607 |
| Noninterest income to average assets | 0.3504% | 5,096 |
| Noninterest expense to average assets | 3.4473% | 2,148 |
| Loan and lease loss provision to assets | -1.0602% | 7,557 |
| Net operating income to assets | 1.3942% | 1,073 |
| Return on assets (ROA) | 1.3942% | 1,115 |
| Pretax return on assets | 1.3942% | 1,741 |
| Return on Equity (ROE) | 94.0024% | 11 |
| Retained earnings to average equity (ytd only) | 94.0024% | 9 |
| Net charge-offs to loans | 0.6517% | 1,900 |
| Credit loss provision to net charge-offs | -204.9123% | 5,815 |
| Earnings coverage of net charge-offs (x) | 0.6456% | 4,143 |
| Efficiency ratio | 91.1666% | 1,231 |
| Assets per employee ($millions) | 8.3853% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6894% | 528 |
| Loan loss allowance to noncurrent loans | 61.5482% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 5.5642% | 1,080 |
| Noncurrent loans to loans | 5.9944% | 1,054 |
| Net loans and leases to total assets | 75.3971% | 1,126 |
| Net loans and leases to deposits | 77.0417% | 3,244 |
| Net loans and leases to core deposits | 81.8944% | 3,471 |
| Total domestic deposits to total assets | 97.8653% | 5 |
| Equity capital to assets | 1.6765% | 7,545 |
| Core capital (leverage) ratio | 1.6434% | 7,544 |
| Tier 1 risk-based capital ratio | 2.1656% | 7,544 |
| Total risk-based capital ratio | 3.4510% | 7,545 |
| Memoranda: | ||
| Average total assets | $220,346,000 | 2,876 |
| Average earning assets | $210,501,500 | 2,775 |
| Average equity | $3,268,000 | 7,088 |
| Average total loans | $174,926,500 | 2,362 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8644% | 1,120 |
| Cost of funding earning assets | 2.2705% | 237 |
| Net interest margin | 3.5939% | 4,848 |
| Noninterest income to average assets | 0.1846% | 6,434 |
| Noninterest expense to average assets | 3.7140% | 1,672 |
| Loan and lease loss provision to assets | 4.5549% | 100 |
| Net operating income to assets | -4.6516% | 7,507 |
| Return on assets (ROA) | -4.5509% | 7,508 |
| Pretax return on assets | -4.5437% | 7,504 |
| Return on Equity (ROE) | -99.5716% | 7,593 |
| Retained earnings to average equity (ytd only) | -99.5716% | 7,593 |
| Net charge-offs to loans | 4.3863% | 258 |
| Credit loss provision to net charge-offs | 134.0909% | 2,911 |
| Earnings coverage of net charge-offs (x) | -0.0264% | 6,153 |
| Efficiency ratio | 102.4704% | 704 |
| Assets per employee ($millions) | 8.5643% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9994% | 401 |
| Loan loss allowance to noncurrent loans | 105.4754% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 3.8595% | 1,776 |
| Noncurrent loans to loans | 3.7918% | 1,952 |
| Net loans and leases to total assets | 77.2478% | 1,057 |
| Net loans and leases to deposits | 78.8805% | 3,361 |
| Net loans and leases to core deposits | 84.1158% | 3,582 |
| Total domestic deposits to total assets | 97.9301% | 7 |
| Equity capital to assets | 1.2938% | 7,628 |
| Core capital (leverage) ratio | 1.2346% | 7,627 |
| Tier 1 risk-based capital ratio | 1.6692% | 7,628 |
| Total risk-based capital ratio | 2.9537% | 7,628 |
| Memoranda: | ||
| Average total assets | $251,291,000 | 2,534 |
| Average earning assets | $240,520,000 | 2,422 |
| Average equity | $11,485,200 | 4,737 |
| Average total loans | $194,606,800 | 2,206 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7859% | 1,439 |
| Cost of funding earning assets | 2.3195% | 254 |
| Net interest margin | 3.4664% | 5,425 |
| Noninterest income to average assets | 0.2466% | 6,131 |
| Noninterest expense to average assets | 3.2238% | 2,839 |
| Loan and lease loss provision to assets | 1.3620% | 996 |
| Net operating income to assets | -1.0240% | 6,917 |
| Return on assets (ROA) | -0.8935% | 6,883 |
| Pretax return on assets | -0.8858% | 6,794 |
| Return on Equity (ROE) | -16.9349% | 7,157 |
| Retained earnings to average equity (ytd only) | -16.9349% | 7,135 |
| Net charge-offs to loans | 2.0685% | 897 |
| Credit loss provision to net charge-offs | 85.7421% | 4,929 |
| Earnings coverage of net charge-offs (x) | 0.2176% | 5,793 |
| Efficiency ratio | 90.3165% | 1,262 |
| Assets per employee ($millions) | 8.8714% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0258% | 2,161 |
| Loan loss allowance to noncurrent loans | 36.2462% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 5.1606% | 1,230 |
| Noncurrent loans to loans | 5.5891% | 1,178 |
| Net loans and leases to total assets | 74.2962% | 1,738 |
| Net loans and leases to deposits | 78.7498% | 3,682 |
| Net loans and leases to core deposits | 84.0419% | 3,928 |
| Total domestic deposits to total assets | 94.3446% | 60 |
| Equity capital to assets | 5.1115% | 7,569 |
| Core capital (leverage) ratio | 4.9275% | 7,550 |
| Tier 1 risk-based capital ratio | 6.5984% | 7,576 |
| Total risk-based capital ratio | 7.8576% | 7,581 |
| Memoranda: | ||
| Average total assets | $258,445,500 | 2,507 |
| Average earning assets | $247,743,750 | 2,397 |
| Average equity | $13,636,250 | 4,294 |
| Average total loans | $198,464,500 | 2,200 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7411% | 1,590 |
| Cost of funding earning assets | 2.3576% | 276 |
| Net interest margin | 3.3835% | 5,703 |
| Noninterest income to average assets | 0.2345% | 6,229 |
| Noninterest expense to average assets | 3.4195% | 2,215 |
| Loan and lease loss provision to assets | 1.6219% | 804 |
| Net operating income to assets | -1.5524% | 7,169 |
| Return on assets (ROA) | -1.3591% | 7,115 |
| Pretax return on assets | -1.3507% | 7,034 |
| Return on Equity (ROE) | -25.5066% | 7,379 |
| Retained earnings to average equity (ytd only) | -25.5066% | 7,363 |
| Net charge-offs to loans | 0.6986% | 2,469 |
| Credit loss provision to net charge-offs | 301.1348% | 1,214 |
| Earnings coverage of net charge-offs (x) | 0.1447% | 5,575 |
| Efficiency ratio | 97.7720% | 892 |
| Assets per employee ($millions) | 8.6493% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8364% | 967 |
| Loan loss allowance to noncurrent loans | 70.2750% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 3.9946% | 1,733 |
| Noncurrent loans to loans | 4.0361% | 1,868 |
| Net loans and leases to total assets | 74.9081% | 1,716 |
| Net loans and leases to deposits | 79.2138% | 3,755 |
| Net loans and leases to core deposits | 83.7834% | 4,162 |
| Total domestic deposits to total assets | 94.5645% | 60 |
| Equity capital to assets | 4.8783% | 7,644 |
| Core capital (leverage) ratio | 4.7923% | 7,624 |
| Tier 1 risk-based capital ratio | 6.1577% | 7,653 |
| Total risk-based capital ratio | 7.4264% | 7,656 |
| Memoranda: | ||
| Average total assets | $261,794,330 | 2,490 |
| Average earning assets | $252,461,000 | 2,371 |
| Average equity | $13,949,330 | 4,213 |
| Average total loans | $201,830,330 | 2,199 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6018% | 2,139 |
| Cost of funding earning assets | 2.5009% | 225 |
| Net interest margin | 3.1009% | 6,592 |
| Noninterest income to average assets | 0.3271% | 5,527 |
| Noninterest expense to average assets | 2.6986% | 4,914 |
| Loan and lease loss provision to assets | -0.0578% | 7,863 |
| Net operating income to assets | 0.6632% | 3,599 |
| Return on assets (ROA) | 0.6632% | 3,712 |
| Pretax return on assets | 0.6739% | 4,323 |
| Return on Equity (ROE) | 11.9493% | 1,516 |
| Retained earnings to average equity (ytd only) | 11.9493% | 754 |
| Net charge-offs to loans | 0.5150% | 2,521 |
| Credit loss provision to net charge-offs | -14.5594% | 5,962 |
| Earnings coverage of net charge-offs (x) | 1.5517% | 3,802 |
| Efficiency ratio | 81.4135% | 2,364 |
| Assets per employee ($millions) | 8.7728% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9668% | 2,273 |
| Loan loss allowance to noncurrent loans | 52.4245% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 3.8110% | 1,822 |
| Noncurrent loans to loans | 3.7517% | 2,116 |
| Net loans and leases to total assets | 74.9406% | 1,754 |
| Net loans and leases to deposits | 79.8260% | 3,692 |
| Net loans and leases to core deposits | 83.9417% | 4,206 |
| Total domestic deposits to total assets | 93.8799% | 76 |
| Equity capital to assets | 5.6261% | 7,671 |
| Core capital (leverage) ratio | 5.5381% | 7,647 |
| Tier 1 risk-based capital ratio | 7.0364% | 7,694 |
| Total risk-based capital ratio | 8.2942% | 7,696 |
| Memoranda: | ||
| Average total assets | $262,952,500 | 2,539 |
| Average earning assets | $253,347,500 | 2,407 |
| Average equity | $14,595,000 | 4,100 |
| Average total loans | $202,723,500 | 2,243 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8361% | 2,501 |
| Cost of funding earning assets | 3.0876% | 182 |
| Net interest margin | 2.7485% | 7,144 |
| Noninterest income to average assets | 0.1898% | 6,733 |
| Noninterest expense to average assets | 3.2216% | 3,310 |
| Loan and lease loss provision to assets | 1.4164% | 1,618 |
| Net operating income to assets | -1.8215% | 7,021 |
| Return on assets (ROA) | -1.8215% | 7,014 |
| Pretax return on assets | -1.8130% | 6,865 |
| Return on Equity (ROE) | -26.4809% | 7,325 |
| Retained earnings to average equity (ytd only) | -26.4809% | 7,299 |
| Net charge-offs to loans | 0.8795% | 2,639 |
| Credit loss provision to net charge-offs | 193.0901% | 2,058 |
| Earnings coverage of net charge-offs (x) | -0.5406% | 6,716 |
| Efficiency ratio | 114.0376% | 708 |
| Assets per employee ($millions) | 8.2101% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0836% | 1,850 |
| Loan loss allowance to noncurrent loans | 40.9270% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 3.9582% | 1,671 |
| Noncurrent loans to loans | 5.0911% | 1,319 |
| Net loans and leases to total assets | 76.1272% | 1,759 |
| Net loans and leases to deposits | 80.8851% | 3,827 |
| Net loans and leases to core deposits | 113.2167% | 2,576 |
| Total domestic deposits to total assets | 94.1177% | 69 |
| Equity capital to assets | 5.4746% | 7,739 |
| Core capital (leverage) ratio | 5.6296% | 7,692 |
| Tier 1 risk-based capital ratio | 6.7952% | 7,768 |
| Total risk-based capital ratio | 8.0331% | 7,773 |
| Memoranda: | ||
| Average total assets | $246,614,200 | 2,639 |
| Average earning assets | $236,458,800 | 2,539 |
| Average equity | $16,963,200 | 3,678 |
| Average total loans | $205,686,800 | 2,246 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8662% | 2,601 |
| Cost of funding earning assets | 3.2734% | 151 |
| Net interest margin | 2.5928% | 7,361 |
| Noninterest income to average assets | 0.1852% | 6,897 |
| Noninterest expense to average assets | 3.1361% | 3,514 |
| Loan and lease loss provision to assets | 1.0009% | 1,921 |
| Net operating income to assets | -1.4845% | 7,104 |
| Return on assets (ROA) | -1.4845% | 7,102 |
| Pretax return on assets | -1.4768% | 6,947 |
| Return on Equity (ROE) | -20.4520% | 7,386 |
| Retained earnings to average equity (ytd only) | -20.4520% | 7,352 |
| Net charge-offs to loans | 0.8451% | 2,274 |
| Credit loss provision to net charge-offs | 139.4334% | 3,535 |
| Earnings coverage of net charge-offs (x) | -0.6631% | 6,548 |
| Efficiency ratio | 117.8926% | 628 |
| Assets per employee ($millions) | 7.0573% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 3,312 |
| Loan loss allowance to noncurrent loans | 28.9126% | 6,542 |
| Noncurrent assets plus other real estate owned to assets | 4.3226% | 1,430 |
| Noncurrent loans to loans | 5.2664% | 1,211 |
| Net loans and leases to total assets | 80.8291% | 1,015 |
| Net loans and leases to deposits | 87.0622% | 3,135 |
| Net loans and leases to core deposits | 116.0808% | 2,613 |
| Total domestic deposits to total assets | 92.8406% | 92 |
| Equity capital to assets | 6.5221% | 7,758 |
| Core capital (leverage) ratio | 6.4746% | 7,685 |
| Tier 1 risk-based capital ratio | 7.6577% | 7,838 |
| Total risk-based capital ratio | 8.9131% | 7,843 |
| Memoranda: | ||
| Average total assets | $242,587,250 | 2,707 |
| Average earning assets | $231,558,000 | 2,599 |
| Average equity | $17,608,250 | 3,591 |
| Average total loans | $206,043,750 | 2,265 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9781% | 2,273 |
| Cost of funding earning assets | 3.4429% | 131 |
| Net interest margin | 2.5353% | 7,436 |
| Noninterest income to average assets | 0.1277% | 7,331 |
| Noninterest expense to average assets | 2.6867% | 5,434 |
| Loan and lease loss provision to assets | 1.0393% | 1,634 |
| Net operating income to assets | -1.1762% | 7,099 |
| Return on assets (ROA) | -1.1762% | 7,109 |
| Pretax return on assets | -1.1654% | 6,916 |
| Return on Equity (ROE) | -15.6619% | 7,363 |
| Retained earnings to average equity (ytd only) | -15.6619% | 7,278 |
| Net charge-offs to loans | 0.8690% | 1,957 |
| Credit loss provision to net charge-offs | 139.2222% | 3,352 |
| Earnings coverage of net charge-offs (x) | -0.1689% | 5,859 |
| Efficiency ratio | 104.9239% | 1,000 |
| Assets per employee ($millions) | 7.3316% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4477% | 3,478 |
| Loan loss allowance to noncurrent loans | 29.5693% | 6,520 |
| Noncurrent assets plus other real estate owned to assets | 3.9683% | 1,505 |
| Noncurrent loans to loans | 4.8958% | 1,272 |
| Net loans and leases to total assets | 79.8823% | 1,335 |
| Net loans and leases to deposits | 86.2476% | 3,505 |
| Net loans and leases to core deposits | 120.4082% | 2,333 |
| Total domestic deposits to total assets | 92.6197% | 130 |
| Equity capital to assets | 6.9803% | 7,628 |
| Core capital (leverage) ratio | 7.0179% | 7,524 |
| Tier 1 risk-based capital ratio | 8.2037% | 7,894 |
| Total risk-based capital ratio | 9.4550% | 7,915 |
| Memoranda: | ||
| Average total assets | $241,114,670 | 2,739 |
| Average earning assets | $231,377,000 | 2,619 |
| Average equity | $18,107,670 | 3,534 |
| Average total loans | $207,145,330 | 2,269 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0160% | 2,297 |
| Cost of funding earning assets | 3.5562% | 128 |
| Net interest margin | 2.4598% | 7,549 |
| Noninterest income to average assets | 0.1856% | 6,964 |
| Noninterest expense to average assets | 2.5481% | 5,655 |
| Loan and lease loss provision to assets | 0.9956% | 1,309 |
| Net operating income to assets | -1.0125% | 7,262 |
| Return on assets (ROA) | -1.0125% | 7,276 |
| Pretax return on assets | -0.9956% | 7,156 |
| Return on Equity (ROE) | -13.0000% | 7,521 |
| Retained earnings to average equity (ytd only) | -13.0000% | 7,326 |
| Net charge-offs to loans | 0.9175% | 1,442 |
| Credit loss provision to net charge-offs | 122.6611% | 3,221 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 4,976 |
| Efficiency ratio | 100.0000% | 1,127 |
| Assets per employee ($millions) | 7.2590% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 4,143 |
| Loan loss allowance to noncurrent loans | 33.1971% | 6,324 |
| Noncurrent assets plus other real estate owned to assets | 3.3701% | 1,620 |
| Noncurrent loans to loans | 3.8794% | 1,578 |
| Net loans and leases to total assets | 85.7530% | 481 |
| Net loans and leases to deposits | 93.1673% | 2,405 |
| Net loans and leases to core deposits | 142.5544% | 983 |
| Total domestic deposits to total assets | 92.0420% | 180 |
| Equity capital to assets | 7.6248% | 7,245 |
| Core capital (leverage) ratio | 7.7403% | 6,837 |
| Tier 1 risk-based capital ratio | 8.3422% | 7,972 |
| Total risk-based capital ratio | 9.5667% | 8,010 |
| Memoranda: | ||
| Average total assets | $237,035,500 | 2,803 |
| Average earning assets | $227,661,000 | 2,668 |
| Average equity | $18,461,500 | 3,490 |
| Average total loans | $209,693,000 | 2,272 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9661% | 1,218 |
| Cost of funding earning assets | 4.0441% | 86 |
| Net interest margin | 2.9220% | 7,100 |
| Noninterest income to average assets | 0.2266% | 6,814 |
| Noninterest expense to average assets | 2.9618% | 4,222 |
| Loan and lease loss provision to assets | 1.0114% | 1,451 |
| Net operating income to assets | -0.9186% | 7,200 |
| Return on assets (ROA) | -0.9186% | 7,122 |
| Pretax return on assets | -0.9166% | 6,951 |
| Return on Equity (ROE) | -11.7299% | 7,410 |
| Retained earnings to average equity (ytd only) | -11.7299% | 7,229 |
| Net charge-offs to loans | 0.4418% | 2,617 |
| Credit loss provision to net charge-offs | 253.6585% | 1,834 |
| Earnings coverage of net charge-offs (x) | 0.2378% | 6,089 |
| Efficiency ratio | 96.8979% | 1,103 |
| Assets per employee ($millions) | 7.1068% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 4,405 |
| Loan loss allowance to noncurrent loans | 59.5646% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 1.8412% | 2,682 |
| Noncurrent loans to loans | 2.0437% | 2,708 |
| Net loans and leases to total assets | 88.9952% | 283 |
| Net loans and leases to deposits | 97.2237% | 2,249 |
| Net loans and leases to core deposits | 150.0399% | 855 |
| Total domestic deposits to total assets | 91.5365% | 203 |
| Equity capital to assets | 7.9557% | 6,902 |
| Core capital (leverage) ratio | 8.0318% | 6,438 |
| Tier 1 risk-based capital ratio | 8.5374% | 7,982 |
| Total risk-based capital ratio | 9.7142% | 8,051 |
| Memoranda: | ||
| Average total assets | $205,649,000 | 3,057 |
| Average earning assets | $199,177,600 | 2,900 |
| Average equity | $16,104,200 | 3,908 |
| Average total loans | $185,613,800 | 2,446 |