Home > First State Bank of Red Bud > Performance and Condition Ratios
First State Bank of Red Bud, 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 | 4.4260% | 5,325 |
| Cost of funding earning assets | 1.3485% | 1,248 |
| Net interest margin | 3.0775% | 6,391 |
| Noninterest income to average assets | 0.3069% | 5,346 |
| Noninterest expense to average assets | 2.3356% | 5,959 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4488% | 4,649 |
| Return on assets (ROA) | 0.5347% | 4,483 |
| Pretax return on assets | 0.8645% | 3,728 |
| Return on Equity (ROE) | 4.5202% | 4,620 |
| Retained earnings to average equity (ytd only) | 4.3883% | 3,050 |
| Net charge-offs to loans | 0.4647% | 3,126 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 3.6947% | 3,421 |
| Efficiency ratio | 76.1792% | 2,864 |
| Assets per employee ($millions) | 5.0513% | 2,126 |
| Cash dividends to net income (ytd only)* | 2.9183% | 4,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3626% | 70 |
| Loan loss allowance to noncurrent loans | 167.5784% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 3.1863% | 1,875 |
| Noncurrent loans to loans | 3.7968% | 1,652 |
| Net loans and leases to total assets | 38.5198% | 6,630 |
| Net loans and leases to deposits | 44.9187% | 6,677 |
| Net loans and leases to core deposits | 44.9187% | 6,775 |
| Total domestic deposits to total assets | 85.7545% | 3,457 |
| Equity capital to assets | 12.4336% | 1,835 |
| Core capital (leverage) ratio | 10.0296% | 3,301 |
| Tier 1 risk-based capital ratio | 18.6394% | 2,010 |
| Total risk-based capital ratio | 20.1410% | 1,894 |
| Memoranda: | ||
| Average total assets | $96,122,400 | 5,006 |
| Average earning assets | $86,173,000 | 5,053 |
| Average equity | $11,371,200 | 4,691 |
| Average total loans | $40,884,600 | 5,646 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4736% | 5,332 |
| Cost of funding earning assets | 1.4403% | 1,064 |
| Net interest margin | 3.0333% | 6,516 |
| Noninterest income to average assets | 0.2579% | 5,776 |
| Noninterest expense to average assets | 2.3072% | 6,012 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4384% | 4,824 |
| Return on assets (ROA) | 0.5546% | 4,477 |
| Pretax return on assets | 0.8541% | 3,935 |
| Return on Equity (ROE) | 4.7487% | 4,643 |
| Retained earnings to average equity (ytd only) | 4.5707% | 3,465 |
| Net charge-offs to loans | 0.2134% | 4,100 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 7.3786% | 2,368 |
| Efficiency ratio | 77.3594% | 2,633 |
| Assets per employee ($millions) | 4.4640% | 2,984 |
| Cash dividends to net income (ytd only)* | 3.7501% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5603% | 63 |
| Loan loss allowance to noncurrent loans | 117.3120% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 3.3666% | 1,885 |
| Noncurrent loans to loans | 5.5922% | 1,051 |
| Net loans and leases to total assets | 40.0506% | 6,624 |
| Net loans and leases to deposits | 46.9277% | 6,688 |
| Net loans and leases to core deposits | 47.1292% | 6,797 |
| Total domestic deposits to total assets | 85.3452% | 3,587 |
| Equity capital to assets | 12.6760% | 1,804 |
| Core capital (leverage) ratio | 9.7378% | 3,795 |
| Tier 1 risk-based capital ratio | 18.7243% | 2,017 |
| Total risk-based capital ratio | 20.2323% | 1,920 |
| Memoranda: | ||
| Average total assets | $96,159,500 | 5,034 |
| Average earning assets | $86,371,500 | 5,082 |
| Average equity | $11,230,750 | 4,751 |
| Average total loans | $41,235,500 | 5,682 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5150% | 5,308 |
| Cost of funding earning assets | 1.5073% | 984 |
| Net interest margin | 3.0077% | 6,591 |
| Noninterest income to average assets | 0.2558% | 5,815 |
| Noninterest expense to average assets | 2.3472% | 6,006 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3909% | 4,990 |
| Return on assets (ROA) | 0.5383% | 4,480 |
| Pretax return on assets | 0.8271% | 3,920 |
| Return on Equity (ROE) | 4.7397% | 4,572 |
| Retained earnings to average equity (ytd only) | 4.4673% | 3,353 |
| Net charge-offs to loans | 0.0962% | 4,715 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 14.5500% | 1,476 |
| Efficiency ratio | 79.6361% | 2,445 |
| Assets per employee ($millions) | 5.2058% | 1,867 |
| Cash dividends to net income (ytd only)* | 5.7471% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6180% | 68 |
| Loan loss allowance to noncurrent loans | 110.9640% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 3.6771% | 1,771 |
| Noncurrent loans to loans | 5.9641% | 1,006 |
| Net loans and leases to total assets | 38.2610% | 6,849 |
| Net loans and leases to deposits | 44.7959% | 6,893 |
| Net loans and leases to core deposits | 44.9758% | 6,979 |
| Total domestic deposits to total assets | 85.4120% | 3,668 |
| Equity capital to assets | 11.6561% | 2,359 |
| Core capital (leverage) ratio | 9.1590% | 4,476 |
| Tier 1 risk-based capital ratio | 17.4230% | 2,368 |
| Total risk-based capital ratio | 18.9045% | 2,257 |
| Memoranda: | ||
| Average total assets | $96,964,670 | 5,048 |
| Average earning assets | $86,778,000 | 5,105 |
| Average equity | $11,013,330 | 4,800 |
| Average total loans | $41,587,000 | 5,726 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5819% | 5,022 |
| Cost of funding earning assets | 1.5273% | 1,060 |
| Net interest margin | 3.0546% | 6,451 |
| Noninterest income to average assets | 0.2875% | 5,620 |
| Noninterest expense to average assets | 2.5210% | 5,481 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3125% | 5,346 |
| Return on assets (ROA) | 0.3125% | 5,417 |
| Pretax return on assets | 0.4834% | 5,076 |
| Return on Equity (ROE) | 2.7893% | 5,474 |
| Retained earnings to average equity (ytd only) | 2.7893% | 4,498 |
| Net charge-offs to loans | -0.2659% | 7,318 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9112% | 1,967 |
| Assets per employee ($millions) | 5.3546% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6440% | 75 |
| Loan loss allowance to noncurrent loans | 142.1875% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 3.4882% | 1,955 |
| Noncurrent loans to loans | 4.6727% | 1,487 |
| Net loans and leases to total assets | 39.7995% | 6,794 |
| Net loans and leases to deposits | 45.9077% | 6,856 |
| Net loans and leases to core deposits | 46.0925% | 6,968 |
| Total domestic deposits to total assets | 86.6947% | 3,123 |
| Equity capital to assets | 11.2032% | 2,500 |
| Core capital (leverage) ratio | 8.6345% | 5,199 |
| Tier 1 risk-based capital ratio | 16.2328% | 2,794 |
| Total risk-based capital ratio | 17.7186% | 2,651 |
| Memoranda: | ||
| Average total assets | $95,992,000 | 5,108 |
| Average earning assets | $85,379,500 | 5,174 |
| Average equity | $10,755,500 | 4,857 |
| Average total loans | $42,117,500 | 5,749 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6702% | 5,898 |
| Cost of funding earning assets | 1.9721% | 670 |
| Net interest margin | 2.6981% | 7,122 |
| Noninterest income to average assets | -0.7443% | 7,594 |
| Noninterest expense to average assets | 2.4995% | 5,801 |
| Loan and lease loss provision to assets | 2.8317% | 358 |
| Net operating income to assets | -2.4809% | 7,170 |
| Return on assets (ROA) | -2.3096% | 7,154 |
| Pretax return on assets | -3.4703% | 7,363 |
| Return on Equity (ROE) | -24.8780% | 7,134 |
| Retained earnings to average equity (ytd only) | -24.8780% | 7,114 |
| Net charge-offs to loans | 4.6306% | 220 |
| Credit loss provision to net charge-offs | 128.1738% | 3,133 |
| Earnings coverage of net charge-offs (x) | -0.4048% | 6,407 |
| Efficiency ratio | 155.7124% | 183 |
| Assets per employee ($millions) | 4.7801% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2626% | 97 |
| Loan loss allowance to noncurrent loans | 142.7364% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 4.1286% | 1,633 |
| Noncurrent loans to loans | 4.3875% | 1,634 |
| Net loans and leases to total assets | 42.3040% | 6,833 |
| Net loans and leases to deposits | 48.6960% | 6,914 |
| Net loans and leases to core deposits | 48.8908% | 7,030 |
| Total domestic deposits to total assets | 86.8736% | 2,895 |
| Equity capital to assets | 11.2059% | 2,502 |
| Core capital (leverage) ratio | 8.5234% | 5,316 |
| Tier 1 risk-based capital ratio | 15.7003% | 2,893 |
| Total risk-based capital ratio | 17.1757% | 2,740 |
| Memoranda: | ||
| Average total assets | $92,700,200 | 5,199 |
| Average earning assets | $80,724,400 | 5,317 |
| Average equity | $8,606,000 | 5,528 |
| Average total loans | $44,227,600 | 5,739 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7137% | 5,969 |
| Cost of funding earning assets | 2.0218% | 704 |
| Net interest margin | 2.6919% | 7,245 |
| Noninterest income to average assets | 0.1392% | 6,856 |
| Noninterest expense to average assets | 2.3876% | 6,070 |
| Loan and lease loss provision to assets | 1.2626% | 1,117 |
| Net operating income to assets | -0.7476% | 6,764 |
| Return on assets (ROA) | -0.5277% | 6,663 |
| Pretax return on assets | -0.8321% | 6,760 |
| Return on Equity (ROE) | -6.0070% | 6,717 |
| Retained earnings to average equity (ytd only) | -6.0070% | 6,632 |
| Net charge-offs to loans | 5.3664% | 146 |
| Credit loss provision to net charge-offs | 48.6320% | 5,903 |
| Earnings coverage of net charge-offs (x) | 0.0335% | 5,995 |
| Efficiency ratio | 96.4851% | 887 |
| Assets per employee ($millions) | 5.5510% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7821% | 1,016 |
| Loan loss allowance to noncurrent loans | 44.7456% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 5.9428% | 1,009 |
| Noncurrent loans to loans | 6.2177% | 981 |
| Net loans and leases to total assets | 44.6205% | 6,802 |
| Net loans and leases to deposits | 51.3958% | 6,916 |
| Net loans and leases to core deposits | 51.6017% | 7,062 |
| Total domestic deposits to total assets | 86.8174% | 2,636 |
| Equity capital to assets | 8.6704% | 6,075 |
| Core capital (leverage) ratio | 6.6027% | 7,310 |
| Tier 1 risk-based capital ratio | 10.1777% | 6,967 |
| Total risk-based capital ratio | 11.4382% | 6,942 |
| Memoranda: | ||
| Average total assets | $91,975,000 | 5,291 |
| Average earning assets | $79,794,500 | 5,417 |
| Average equity | $8,079,250 | 5,760 |
| Average total loans | $44,498,250 | 5,808 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8822% | 5,478 |
| Cost of funding earning assets | 2.0793% | 711 |
| Net interest margin | 2.8029% | 7,139 |
| Noninterest income to average assets | 0.1272% | 6,958 |
| Noninterest expense to average assets | 2.4875% | 5,757 |
| Loan and lease loss provision to assets | 1.3644% | 993 |
| Net operating income to assets | -0.8129% | 6,868 |
| Return on assets (ROA) | -0.5813% | 6,758 |
| Pretax return on assets | -0.9410% | 6,861 |
| Return on Equity (ROE) | -6.5879% | 6,806 |
| Retained earnings to average equity (ytd only) | -6.5879% | 6,702 |
| Net charge-offs to loans | 4.2812% | 286 |
| Credit loss provision to net charge-offs | 64.7242% | 5,102 |
| Earnings coverage of net charge-offs (x) | 0.0291% | 5,689 |
| Efficiency ratio | 97.5904% | 895 |
| Assets per employee ($millions) | 4.5483% | 2,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0392% | 363 |
| Loan loss allowance to noncurrent loans | 48.8112% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 6.7608% | 801 |
| Noncurrent loans to loans | 8.2751% | 616 |
| Net loans and leases to total assets | 46.6449% | 6,732 |
| Net loans and leases to deposits | 53.6911% | 6,882 |
| Net loans and leases to core deposits | 53.9114% | 7,041 |
| Total domestic deposits to total assets | 86.8764% | 2,605 |
| Equity capital to assets | 9.0671% | 5,342 |
| Core capital (leverage) ratio | 6.8384% | 7,269 |
| Tier 1 risk-based capital ratio | 10.4266% | 6,742 |
| Total risk-based capital ratio | 11.6990% | 6,707 |
| Memoranda: | ||
| Average total assets | $91,177,670 | 5,349 |
| Average earning assets | $78,776,000 | 5,480 |
| Average equity | $8,045,000 | 5,785 |
| Average total loans | $44,893,670 | 5,826 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7519% | 6,064 |
| Cost of funding earning assets | 1.9987% | 1,088 |
| Net interest margin | 2.7532% | 7,245 |
| Noninterest income to average assets | 0.1621% | 6,815 |
| Noninterest expense to average assets | 2.8439% | 4,308 |
| Loan and lease loss provision to assets | 0.5653% | 2,238 |
| Net operating income to assets | -0.4743% | 6,809 |
| Return on assets (ROA) | -0.3593% | 6,770 |
| Pretax return on assets | -0.6529% | 6,873 |
| Return on Equity (ROE) | -4.1292% | 6,831 |
| Retained earnings to average equity (ytd only) | -4.1292% | 6,514 |
| Net charge-offs to loans | 1.3265% | 1,292 |
| Credit loss provision to net charge-offs | 86.0000% | 3,749 |
| Earnings coverage of net charge-offs (x) | -0.4067% | 5,248 |
| Efficiency ratio | 110.3741% | 588 |
| Assets per employee ($millions) | 5.0906% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7021% | 220 |
| Loan loss allowance to noncurrent loans | 60.3730% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 6.6069% | 851 |
| Noncurrent loans to loans | 7.7884% | 714 |
| Net loans and leases to total assets | 46.5367% | 6,790 |
| Net loans and leases to deposits | 54.3563% | 6,895 |
| Net loans and leases to core deposits | 54.3563% | 7,087 |
| Total domestic deposits to total assets | 85.6140% | 3,357 |
| Equity capital to assets | 9.1148% | 5,112 |
| Core capital (leverage) ratio | 7.1350% | 7,152 |
| Tier 1 risk-based capital ratio | 11.5096% | 5,664 |
| Total risk-based capital ratio | 12.9043% | 5,485 |
| Memoranda: | ||
| Average total assets | $91,283,500 | 5,414 |
| Average earning assets | $80,053,000 | 5,503 |
| Average equity | $7,943,500 | 5,869 |
| Average total loans | $45,232,000 | 5,873 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0790% | 6,165 |
| Cost of funding earning assets | 2.5833% | 817 |
| Net interest margin | 2.4957% | 7,432 |
| Noninterest income to average assets | 0.0627% | 7,444 |
| Noninterest expense to average assets | 3.3793% | 2,746 |
| Loan and lease loss provision to assets | 1.5266% | 1,507 |
| Net operating income to assets | -1.9438% | 7,066 |
| Return on assets (ROA) | -1.6754% | 6,954 |
| Pretax return on assets | -2.3462% | 7,085 |
| Return on Equity (ROE) | -19.7794% | 7,135 |
| Retained earnings to average equity (ytd only) | -19.7794% | 7,099 |
| Net charge-offs to loans | 3.1507% | 652 |
| Credit loss provision to net charge-offs | 94.0857% | 5,847 |
| Earnings coverage of net charge-offs (x) | -0.7381% | 6,823 |
| Efficiency ratio | 154.8923% | 283 |
| Assets per employee ($millions) | 3.2477% | 5,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6481% | 220 |
| Loan loss allowance to noncurrent loans | 45.6204% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 6.9466% | 729 |
| Noncurrent loans to loans | 10.1885% | 394 |
| Net loans and leases to total assets | 47.9381% | 6,818 |
| Net loans and leases to deposits | 55.4950% | 6,950 |
| Net loans and leases to core deposits | 60.4308% | 7,251 |
| Total domestic deposits to total assets | 86.3827% | 2,823 |
| Equity capital to assets | 8.2860% | 6,216 |
| Core capital (leverage) ratio | 6.1649% | 7,595 |
| Tier 1 risk-based capital ratio | 9.1067% | 7,423 |
| Total risk-based capital ratio | 10.3831% | 7,427 |
| Memoranda: | ||
| Average total assets | $102,122,600 | 5,039 |
| Average earning assets | $86,709,800 | 5,237 |
| Average equity | $8,650,400 | 5,720 |
| Average total loans | $52,592,200 | 5,561 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1862% | 5,933 |
| Cost of funding earning assets | 2.6712% | 862 |
| Net interest margin | 2.5150% | 7,451 |
| Noninterest income to average assets | 0.0953% | 7,427 |
| Noninterest expense to average assets | 3.3384% | 2,777 |
| Loan and lease loss provision to assets | 1.6660% | 1,124 |
| Net operating income to assets | -1.8158% | 7,241 |
| Return on assets (ROA) | -1.5771% | 7,144 |
| Pretax return on assets | -2.4145% | 7,319 |
| Return on Equity (ROE) | -18.5304% | 7,327 |
| Retained earnings to average equity (ytd only) | -18.5304% | 7,291 |
| Net charge-offs to loans | 3.3363% | 468 |
| Credit loss provision to net charge-offs | 96.4680% | 5,288 |
| Earnings coverage of net charge-offs (x) | -0.6461% | 6,538 |
| Efficiency ratio | 150.2001% | 319 |
| Assets per employee ($millions) | 2.9378% | 6,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5817% | 196 |
| Loan loss allowance to noncurrent loans | 63.5885% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 5.9363% | 915 |
| Noncurrent loans to loans | 7.2053% | 733 |
| Net loans and leases to total assets | 46.7446% | 7,056 |
| Net loans and leases to deposits | 55.8077% | 7,104 |
| Net loans and leases to core deposits | 62.2606% | 7,318 |
| Total domestic deposits to total assets | 83.7600% | 3,834 |
| Equity capital to assets | 8.4305% | 6,344 |
| Core capital (leverage) ratio | 6.3411% | 7,723 |
| Tier 1 risk-based capital ratio | 11.6049% | 5,331 |
| Total risk-based capital ratio | 12.8890% | 5,236 |
| Memoranda: | ||
| Average total assets | $104,919,250 | 4,992 |
| Average earning assets | $88,746,750 | 5,205 |
| Average equity | $8,929,250 | 5,679 |
| Average total loans | $54,310,750 | 5,547 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1066% | 6,408 |
| Cost of funding earning assets | 2.6738% | 1,101 |
| Net interest margin | 2.4328% | 7,544 |
| Noninterest income to average assets | 0.3049% | 6,081 |
| Noninterest expense to average assets | 3.2423% | 3,180 |
| Loan and lease loss provision to assets | 1.2456% | 1,374 |
| Net operating income to assets | -1.3571% | 7,189 |
| Return on assets (ROA) | -1.3534% | 7,190 |
| Pretax return on assets | -2.0562% | 7,305 |
| Return on Equity (ROE) | -15.8583% | 7,374 |
| Retained earnings to average equity (ytd only) | -15.8583% | 7,289 |
| Net charge-offs to loans | 2.4000% | 741 |
| Credit loss provision to net charge-offs | 98.6745% | 4,655 |
| Earnings coverage of net charge-offs (x) | -0.6465% | 6,139 |
| Efficiency ratio | 133.6398% | 489 |
| Assets per employee ($millions) | 3.0143% | 6,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2471% | 213 |
| Loan loss allowance to noncurrent loans | 64.7850% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 5.1298% | 1,016 |
| Noncurrent loans to loans | 6.5557% | 800 |
| Net loans and leases to total assets | 47.3341% | 7,091 |
| Net loans and leases to deposits | 56.5396% | 7,126 |
| Net loans and leases to core deposits | 66.9060% | 7,175 |
| Total domestic deposits to total assets | 83.7186% | 3,910 |
| Equity capital to assets | 8.2217% | 6,457 |
| Core capital (leverage) ratio | 6.4762% | 7,804 |
| Tier 1 risk-based capital ratio | 12.0628% | 4,860 |
| Total risk-based capital ratio | 13.3448% | 4,757 |
| Memoranda: | ||
| Average total assets | $107,577,000 | 4,952 |
| Average earning assets | $93,799,670 | 5,074 |
| Average equity | $9,181,330 | 5,617 |
| Average total loans | $56,583,330 | 5,489 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4253% | 5,290 |
| Cost of funding earning assets | 2.7043% | 1,261 |
| Net interest margin | 2.7210% | 7,157 |
| Noninterest income to average assets | 0.2688% | 6,289 |
| Noninterest expense to average assets | 3.0309% | 3,628 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.3037% | 6,683 |
| Return on assets (ROA) | -0.2946% | 6,746 |
| Pretax return on assets | -0.3609% | 6,715 |
| Return on Equity (ROE) | -3.3916% | 6,826 |
| Retained earnings to average equity (ytd only) | -3.3916% | 6,346 |
| Net charge-offs to loans | 0.5306% | 2,126 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -1.2949% | 5,409 |
| Efficiency ratio | 113.9889% | 731 |
| Assets per employee ($millions) | 3.2696% | 5,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8268% | 251 |
| Loan loss allowance to noncurrent loans | 60.9313% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 4.3250% | 1,134 |
| Noncurrent loans to loans | 6.2805% | 727 |
| Net loans and leases to total assets | 48.5144% | 6,983 |
| Net loans and leases to deposits | 59.2093% | 6,955 |
| Net loans and leases to core deposits | 71.5544% | 6,930 |
| Total domestic deposits to total assets | 81.9371% | 4,576 |
| Equity capital to assets | 8.4845% | 6,095 |
| Core capital (leverage) ratio | 7.3940% | 7,280 |
| Tier 1 risk-based capital ratio | 12.9487% | 4,214 |
| Total risk-based capital ratio | 14.2257% | 4,120 |
| Memoranda: | ||
| Average total assets | $108,615,000 | 4,937 |
| Average earning assets | $95,404,500 | 5,044 |
| Average equity | $9,435,000 | 5,554 |
| Average total loans | $58,798,500 | 5,414 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6700% | 6,864 |
| Cost of funding earning assets | 2.9670% | 1,995 |
| Net interest margin | 2.7030% | 7,496 |
| Noninterest income to average assets | -0.3067% | 8,243 |
| Noninterest expense to average assets | 2.7717% | 4,942 |
| Loan and lease loss provision to assets | 5.0811% | 104 |
| Net operating income to assets | -3.7564% | 7,950 |
| Return on assets (ROA) | -3.7251% | 7,923 |
| Pretax return on assets | -5.6517% | 8,074 |
| Return on Equity (ROE) | -34.1511% | 8,012 |
| Retained earnings to average equity (ytd only) | -34.8388% | 7,986 |
| Net charge-offs to loans | 7.3079% | 36 |
| Credit loss provision to net charge-offs | 113.1529% | 4,767 |
| Earnings coverage of net charge-offs (x) | -0.1377% | 6,341 |
| Efficiency ratio | 128.7037% | 476 |
| Assets per employee ($millions) | 3.2140% | 5,443 |
| Cash dividends to net income (ytd only)* | -2.0138% | 7,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6151% | 256 |
| Loan loss allowance to noncurrent loans | 54.6975% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 4.8103% | 748 |
| Noncurrent loans to loans | 6.6093% | 483 |
| Net loans and leases to total assets | 55.9055% | 6,449 |
| Net loans and leases to deposits | 67.2607% | 6,529 |
| Net loans and leases to core deposits | 81.2427% | 6,517 |
| Total domestic deposits to total assets | 83.1176% | 3,720 |
| Equity capital to assets | 8.8985% | 5,508 |
| Core capital (leverage) ratio | 7.3947% | 7,311 |
| Tier 1 risk-based capital ratio | 11.5825% | 5,167 |
| Total risk-based capital ratio | 12.8586% | 5,039 |
| Memoranda: | ||
| Average total assets | $105,312,600 | 4,892 |
| Average earning assets | $95,855,200 | 4,927 |
| Average equity | $11,487,200 | 4,973 |
| Average total loans | $64,711,000 | 5,065 |