Home > Freestar Bank > Performance and Condition Ratios
Freestar 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 | 5.3712% | 1,601 |
| Cost of funding earning assets | 0.9594% | 3,960 |
| Net interest margin | 4.4118% | 1,371 |
| Noninterest income to average assets | 1.1698% | 962 |
| Noninterest expense to average assets | 3.6085% | 1,693 |
| Loan and lease loss provision to assets | 0.2313% | 3,702 |
| Net operating income to assets | 1.2929% | 1,397 |
| Return on assets (ROA) | 1.2952% | 1,487 |
| Pretax return on assets | 1.3139% | 2,246 |
| Return on Equity (ROE) | 12.3002% | 1,466 |
| Retained earnings to average equity (ytd only) | 3.2117% | 4,422 |
| Net charge-offs to loans | 0.3345% | 3,418 |
| Credit loss provision to net charge-offs | 108.8235% | 3,033 |
| Earnings coverage of net charge-offs (x) | 7.2601% | 2,386 |
| Efficiency ratio | 67.8140% | 4,356 |
| Assets per employee ($millions) | 2.9878% | 6,148 |
| Cash dividends to net income (ytd only)* | 73.8888% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 5,039 |
| Loan loss allowance to noncurrent loans | 57.3759% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 1.4281% | 3,980 |
| Noncurrent loans to loans | 2.2546% | 3,050 |
| Net loans and leases to total assets | 61.4247% | 3,867 |
| Net loans and leases to deposits | 77.4362% | 3,095 |
| Net loans and leases to core deposits | 84.0942% | 3,054 |
| Total domestic deposits to total assets | 79.3230% | 5,908 |
| Equity capital to assets | 10.7475% | 3,425 |
| Core capital (leverage) ratio | 8.3808% | 5,882 |
| Tier 1 risk-based capital ratio | 11.9644% | 5,917 |
| Total risk-based capital ratio | 13.1277% | 5,961 |
| Memoranda: | ||
| Average total assets | $405,291,250 | 1,609 |
| Average earning assets | $365,770,750 | 1,622 |
| Average equity | $42,675,750 | 1,581 |
| Average total loans | $257,454,000 | 1,651 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3710% | 1,648 |
| Cost of funding earning assets | 0.9858% | 4,045 |
| Net interest margin | 4.3853% | 1,415 |
| Noninterest income to average assets | 1.1656% | 934 |
| Noninterest expense to average assets | 3.6726% | 1,579 |
| Loan and lease loss provision to assets | 0.0998% | 5,077 |
| Net operating income to assets | 1.3331% | 1,230 |
| Return on assets (ROA) | 1.3365% | 1,299 |
| Pretax return on assets | 1.3538% | 1,945 |
| Return on Equity (ROE) | 12.7810% | 1,247 |
| Retained earnings to average equity (ytd only) | 3.1173% | 4,292 |
| Net charge-offs to loans | 0.1907% | 4,014 |
| Credit loss provision to net charge-offs | 81.7814% | 3,716 |
| Earnings coverage of net charge-offs (x) | 11.8866% | 1,666 |
| Efficiency ratio | 69.3020% | 4,261 |
| Assets per employee ($millions) | 2.8909% | 6,321 |
| Cash dividends to net income (ytd only)* | 75.6098% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 5,275 |
| Loan loss allowance to noncurrent loans | 58.7178% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 1.3879% | 4,143 |
| Noncurrent loans to loans | 2.1399% | 3,298 |
| Net loans and leases to total assets | 61.9747% | 3,891 |
| Net loans and leases to deposits | 77.6124% | 3,197 |
| Net loans and leases to core deposits | 84.7434% | 3,106 |
| Total domestic deposits to total assets | 79.8516% | 5,865 |
| Equity capital to assets | 10.6782% | 3,308 |
| Core capital (leverage) ratio | 8.3345% | 5,816 |
| Tier 1 risk-based capital ratio | 11.9440% | 5,831 |
| Total risk-based capital ratio | 13.0844% | 5,891 |
| Memoranda: | ||
| Average total assets | $404,943,330 | 1,624 |
| Average earning assets | $365,405,000 | 1,638 |
| Average equity | $42,344,000 | 1,584 |
| Average total loans | $258,985,000 | 1,660 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4148% | 1,512 |
| Cost of funding earning assets | 0.9879% | 4,285 |
| Net interest margin | 4.4269% | 1,223 |
| Noninterest income to average assets | 1.1916% | 908 |
| Noninterest expense to average assets | 3.6035% | 1,761 |
| Loan and lease loss provision to assets | 0.0748% | 5,064 |
| Net operating income to assets | 1.4968% | 881 |
| Return on assets (ROA) | 1.5036% | 911 |
| Pretax return on assets | 1.5154% | 1,403 |
| Return on Equity (ROE) | 14.5311% | 903 |
| Retained earnings to average equity (ytd only) | 5.6108% | 2,843 |
| Net charge-offs to loans | 0.1311% | 3,723 |
| Credit loss provision to net charge-offs | 88.3721% | 2,966 |
| Earnings coverage of net charge-offs (x) | 18.7093% | 1,171 |
| Efficiency ratio | 67.1220% | 4,822 |
| Assets per employee ($millions) | 3.0162% | 6,117 |
| Cash dividends to net income (ytd only)* | 61.3874% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 5,230 |
| Loan loss allowance to noncurrent loans | 122.4771% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.7262% | 5,477 |
| Noncurrent loans to loans | 1.0452% | 4,965 |
| Net loans and leases to total assets | 60.2359% | 4,221 |
| Net loans and leases to deposits | 76.1688% | 3,391 |
| Net loans and leases to core deposits | 82.4572% | 3,389 |
| Total domestic deposits to total assets | 79.0821% | 6,170 |
| Equity capital to assets | 10.3460% | 3,354 |
| Core capital (leverage) ratio | 8.1143% | 6,105 |
| Tier 1 risk-based capital ratio | 12.1659% | 5,535 |
| Total risk-based capital ratio | 13.3466% | 5,602 |
| Memoranda: | ||
| Average total assets | $406,496,000 | 1,626 |
| Average earning assets | $366,849,000 | 1,643 |
| Average equity | $42,061,500 | 1,581 |
| Average total loans | $262,374,000 | 1,661 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6890% | 1,610 |
| Cost of funding earning assets | 1.1924% | 4,611 |
| Net interest margin | 4.4965% | 1,232 |
| Noninterest income to average assets | 1.1568% | 1,104 |
| Noninterest expense to average assets | 3.5020% | 2,170 |
| Loan and lease loss provision to assets | 0.3136% | 4,290 |
| Net operating income to assets | 1.3563% | 1,033 |
| Return on assets (ROA) | 1.1779% | 1,541 |
| Pretax return on assets | 1.1946% | 2,243 |
| Return on Equity (ROE) | 12.1171% | 1,296 |
| Retained earnings to average equity (ytd only) | 6.2927% | 1,669 |
| Net charge-offs to loans | 0.1304% | 5,597 |
| Credit loss provision to net charge-offs | 375.3623% | 669 |
| Earnings coverage of net charge-offs (x) | 20.2087% | 1,018 |
| Efficiency ratio | 65.1472% | 5,137 |
| Assets per employee ($millions) | 2.9188% | 6,275 |
| Cash dividends to net income (ytd only)* | 48.0674% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 5,639 |
| Loan loss allowance to noncurrent loans | 178.0609% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.5201% | 5,992 |
| Noncurrent loans to loans | 0.6577% | 5,739 |
| Net loans and leases to total assets | 67.3405% | 3,141 |
| Net loans and leases to deposits | 85.8981% | 2,121 |
| Net loans and leases to core deposits | 92.4343% | 2,444 |
| Total domestic deposits to total assets | 78.3959% | 6,238 |
| Equity capital to assets | 10.3487% | 3,328 |
| Core capital (leverage) ratio | 7.8560% | 6,376 |
| Tier 1 risk-based capital ratio | 11.1063% | 6,243 |
| Total risk-based capital ratio | 12.2108% | 6,331 |
| Memoranda: | ||
| Average total assets | $412,937,200 | 1,601 |
| Average earning assets | $370,419,600 | 1,628 |
| Average equity | $40,141,600 | 1,653 |
| Average total loans | $264,474,800 | 1,678 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7030% | 1,704 |
| Cost of funding earning assets | 1.2227% | 4,725 |
| Net interest margin | 4.4802% | 1,302 |
| Noninterest income to average assets | 1.0872% | 1,203 |
| Noninterest expense to average assets | 3.4472% | 2,168 |
| Loan and lease loss provision to assets | 0.3610% | 3,727 |
| Net operating income to assets | 1.2761% | 1,397 |
| Return on assets (ROA) | 1.1681% | 1,779 |
| Pretax return on assets | 1.1854% | 2,546 |
| Return on Equity (ROE) | 12.2075% | 1,445 |
| Retained earnings to average equity (ytd only) | 6.9724% | 1,862 |
| Net charge-offs to loans | 0.1074% | 5,470 |
| Credit loss provision to net charge-offs | 533.1754% | 544 |
| Earnings coverage of net charge-offs (x) | 24.4499% | 1,029 |
| Efficiency ratio | 65.2097% | 5,015 |
| Assets per employee ($millions) | 3.0314% | 6,081 |
| Cash dividends to net income (ytd only)* | 42.8846% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 5,546 |
| Loan loss allowance to noncurrent loans | 142.6391% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 6,029 |
| Noncurrent loans to loans | 0.8348% | 5,551 |
| Net loans and leases to total assets | 63.0423% | 4,315 |
| Net loans and leases to deposits | 82.9798% | 2,914 |
| Net loans and leases to core deposits | 89.5771% | 3,154 |
| Total domestic deposits to total assets | 75.9731% | 6,662 |
| Equity capital to assets | 10.1452% | 3,954 |
| Core capital (leverage) ratio | 7.7190% | 6,651 |
| Tier 1 risk-based capital ratio | 10.9144% | 6,451 |
| Total risk-based capital ratio | 12.0065% | 6,570 |
| Memoranda: | ||
| Average total assets | $415,473,250 | 1,620 |
| Average earning assets | $372,381,250 | 1,646 |
| Average equity | $39,756,000 | 1,677 |
| Average total loans | $261,979,250 | 1,717 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7351% | 1,616 |
| Cost of funding earning assets | 1.2595% | 4,768 |
| Net interest margin | 4.4756% | 1,254 |
| Noninterest income to average assets | 1.0050% | 1,371 |
| Noninterest expense to average assets | 3.3291% | 2,468 |
| Loan and lease loss provision to assets | 0.4222% | 3,212 |
| Net operating income to assets | 1.2331% | 1,475 |
| Return on assets (ROA) | 1.1208% | 1,850 |
| Pretax return on assets | 1.1517% | 2,581 |
| Return on Equity (ROE) | 11.9553% | 1,469 |
| Retained earnings to average equity (ytd only) | 8.4969% | 1,264 |
| Net charge-offs to loans | 0.1390% | 4,835 |
| Credit loss provision to net charge-offs | 483.4254% | 768 |
| Earnings coverage of net charge-offs (x) | 19.3481% | 1,257 |
| Efficiency ratio | 63.9492% | 5,346 |
| Assets per employee ($millions) | 3.1285% | 5,849 |
| Cash dividends to net income (ytd only)* | 28.9281% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 5,815 |
| Loan loss allowance to noncurrent loans | 89.3926% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.8483% | 5,415 |
| Noncurrent loans to loans | 1.2596% | 4,861 |
| Net loans and leases to total assets | 62.8979% | 4,489 |
| Net loans and leases to deposits | 82.8472% | 3,106 |
| Net loans and leases to core deposits | 89.0944% | 3,394 |
| Total domestic deposits to total assets | 75.9204% | 6,715 |
| Equity capital to assets | 9.7551% | 4,331 |
| Core capital (leverage) ratio | 7.7076% | 6,600 |
| Tier 1 risk-based capital ratio | 10.7847% | 6,457 |
| Total risk-based capital ratio | 11.8064% | 6,637 |
| Memoranda: | ||
| Average total assets | $414,522,000 | 1,638 |
| Average earning assets | $371,745,000 | 1,663 |
| Average equity | $38,861,330 | 1,709 |
| Average total loans | $260,338,670 | 1,750 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7554% | 1,608 |
| Cost of funding earning assets | 1.3174% | 4,712 |
| Net interest margin | 4.4380% | 1,275 |
| Noninterest income to average assets | 0.9497% | 1,454 |
| Noninterest expense to average assets | 3.2728% | 2,623 |
| Loan and lease loss provision to assets | 0.4816% | 2,575 |
| Net operating income to assets | 1.1549% | 1,668 |
| Return on assets (ROA) | 1.0941% | 1,929 |
| Pretax return on assets | 1.1269% | 2,644 |
| Return on Equity (ROE) | 11.9110% | 1,525 |
| Retained earnings to average equity (ytd only) | 8.1050% | 1,663 |
| Net charge-offs to loans | -0.0293% | 7,185 |
| Credit loss provision to net charge-offs | -2,631.5789% | 6,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7834% | 5,535 |
| Assets per employee ($millions) | 3.0731% | 6,059 |
| Cash dividends to net income (ytd only)* | 31.9542% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 6,099 |
| Loan loss allowance to noncurrent loans | 90.3278% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.8678% | 5,425 |
| Noncurrent loans to loans | 1.1969% | 4,968 |
| Net loans and leases to total assets | 62.2979% | 4,695 |
| Net loans and leases to deposits | 78.3954% | 3,963 |
| Net loans and leases to core deposits | 84.7787% | 4,095 |
| Total domestic deposits to total assets | 79.4663% | 5,966 |
| Equity capital to assets | 9.4546% | 4,605 |
| Core capital (leverage) ratio | 7.3840% | 6,951 |
| Tier 1 risk-based capital ratio | 10.5058% | 6,628 |
| Total risk-based capital ratio | 11.4728% | 6,863 |
| Memoranda: | ||
| Average total assets | $415,301,500 | 1,681 |
| Average earning assets | $373,773,500 | 1,691 |
| Average equity | $38,149,500 | 1,762 |
| Average total loans | $259,156,500 | 1,808 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8604% | 2,407 |
| Cost of funding earning assets | 1.7765% | 4,122 |
| Net interest margin | 4.0839% | 2,515 |
| Noninterest income to average assets | 1.1198% | 1,223 |
| Noninterest expense to average assets | 3.4610% | 2,490 |
| Loan and lease loss provision to assets | 0.2346% | 5,493 |
| Net operating income to assets | 1.0828% | 1,559 |
| Return on assets (ROA) | 1.0322% | 1,778 |
| Pretax return on assets | 1.0553% | 2,392 |
| Return on Equity (ROE) | 12.0913% | 1,140 |
| Retained earnings to average equity (ytd only) | 7.0477% | 948 |
| Net charge-offs to loans | 0.3924% | 4,255 |
| Credit loss provision to net charge-offs | 99.2647% | 5,618 |
| Earnings coverage of net charge-offs (x) | 5.6754% | 2,529 |
| Efficiency ratio | 69.4913% | 4,732 |
| Assets per employee ($millions) | 3.1961% | 5,728 |
| Cash dividends to net income (ytd only)* | 41.7128% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8678% | 6,928 |
| Loan loss allowance to noncurrent loans | 68.7937% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 0.8720% | 5,370 |
| Noncurrent loans to loans | 1.2614% | 4,830 |
| Net loans and leases to total assets | 61.3065% | 5,140 |
| Net loans and leases to deposits | 79.3849% | 4,107 |
| Net loans and leases to core deposits | 95.6834% | 4,496 |
| Total domestic deposits to total assets | 77.2269% | 6,406 |
| Equity capital to assets | 8.9258% | 5,256 |
| Core capital (leverage) ratio | 7.2269% | 7,047 |
| Tier 1 risk-based capital ratio | 9.9677% | 6,902 |
| Total risk-based capital ratio | 10.7364% | 7,210 |
| Memoranda: | ||
| Average total assets | $402,741,400 | 1,701 |
| Average earning assets | $363,185,200 | 1,729 |
| Average equity | $34,380,000 | 1,957 |
| Average total loans | $242,626,800 | 1,930 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8762% | 2,554 |
| Cost of funding earning assets | 1.8598% | 4,098 |
| Net interest margin | 4.0164% | 2,738 |
| Noninterest income to average assets | 1.1411% | 1,210 |
| Noninterest expense to average assets | 3.4676% | 2,365 |
| Loan and lease loss provision to assets | 0.2664% | 4,832 |
| Net operating income to assets | 1.0055% | 2,035 |
| Return on assets (ROA) | 0.9954% | 2,140 |
| Pretax return on assets | 1.0225% | 2,827 |
| Return on Equity (ROE) | 11.8031% | 1,416 |
| Retained earnings to average equity (ytd only) | 7.9416% | 1,154 |
| Net charge-offs to loans | 0.5158% | 3,150 |
| Credit loss provision to net charge-offs | 86.3192% | 5,583 |
| Earnings coverage of net charge-offs (x) | 4.2106% | 3,217 |
| Efficiency ratio | 70.1223% | 4,565 |
| Assets per employee ($millions) | 3.0789% | 5,966 |
| Cash dividends to net income (ytd only)* | 32.7164% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8926% | 6,789 |
| Loan loss allowance to noncurrent loans | 76.3617% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 0.7889% | 5,538 |
| Noncurrent loans to loans | 1.1689% | 4,990 |
| Net loans and leases to total assets | 59.0476% | 5,734 |
| Net loans and leases to deposits | 74.2534% | 5,333 |
| Net loans and leases to core deposits | 90.1848% | 5,415 |
| Total domestic deposits to total assets | 79.5217% | 5,617 |
| Equity capital to assets | 8.9368% | 5,578 |
| Core capital (leverage) ratio | 7.3609% | 7,125 |
| Tier 1 risk-based capital ratio | 10.2849% | 6,699 |
| Total risk-based capital ratio | 11.0577% | 7,098 |
| Memoranda: | ||
| Average total assets | $397,956,750 | 1,744 |
| Average earning assets | $359,247,500 | 1,756 |
| Average equity | $33,561,000 | 2,019 |
| Average total loans | $238,057,500 | 1,995 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8699% | 2,716 |
| Cost of funding earning assets | 1.9302% | 4,110 |
| Net interest margin | 3.9397% | 2,926 |
| Noninterest income to average assets | 1.1359% | 1,219 |
| Noninterest expense to average assets | 3.4354% | 2,519 |
| Loan and lease loss provision to assets | 0.2019% | 5,032 |
| Net operating income to assets | 1.0238% | 2,027 |
| Return on assets (ROA) | 1.0223% | 2,117 |
| Pretax return on assets | 1.0571% | 2,788 |
| Return on Equity (ROE) | 12.3728% | 1,315 |
| Retained earnings to average equity (ytd only) | 7.6192% | 1,346 |
| Net charge-offs to loans | 0.1399% | 4,769 |
| Credit loss provision to net charge-offs | 240.9639% | 1,929 |
| Earnings coverage of net charge-offs (x) | 15.0422% | 1,618 |
| Efficiency ratio | 70.4795% | 4,686 |
| Assets per employee ($millions) | 3.0057% | 6,115 |
| Cash dividends to net income (ytd only)* | 38.4198% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0569% | 5,864 |
| Loan loss allowance to noncurrent loans | 81.4105% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.8154% | 5,355 |
| Noncurrent loans to loans | 1.2982% | 4,608 |
| Net loans and leases to total assets | 60.9562% | 5,527 |
| Net loans and leases to deposits | 74.8302% | 5,339 |
| Net loans and leases to core deposits | 90.9121% | 5,460 |
| Total domestic deposits to total assets | 81.4593% | 4,911 |
| Equity capital to assets | 8.5481% | 5,978 |
| Core capital (leverage) ratio | 7.1547% | 7,402 |
| Tier 1 risk-based capital ratio | 10.2992% | 6,595 |
| Total risk-based capital ratio | 11.2268% | 6,883 |
| Memoranda: | ||
| Average total assets | $396,164,330 | 1,778 |
| Average earning assets | $357,994,330 | 1,787 |
| Average equity | $32,733,000 | 2,076 |
| Average total loans | $237,308,670 | 2,025 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7754% | 3,416 |
| Cost of funding earning assets | 1.9850% | 4,204 |
| Net interest margin | 3.7904% | 3,490 |
| Noninterest income to average assets | 1.0859% | 1,266 |
| Noninterest expense to average assets | 3.2218% | 2,891 |
| Loan and lease loss provision to assets | 0.1493% | 5,020 |
| Net operating income to assets | 1.0809% | 2,028 |
| Return on assets (ROA) | 1.0799% | 2,163 |
| Pretax return on assets | 1.1366% | 2,844 |
| Return on Equity (ROE) | 13.2901% | 1,316 |
| Retained earnings to average equity (ytd only) | 8.3905% | 1,667 |
| Net charge-offs to loans | -0.0168% | 7,392 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6976% | 4,837 |
| Assets per employee ($millions) | 3.0808% | 5,940 |
| Cash dividends to net income (ytd only)* | 36.8664% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 5,975 |
| Loan loss allowance to noncurrent loans | 68.4403% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 0.9149% | 4,902 |
| Noncurrent loans to loans | 1.5003% | 4,038 |
| Net loans and leases to total assets | 58.5082% | 5,866 |
| Net loans and leases to deposits | 75.1349% | 5,322 |
| Net loans and leases to core deposits | 91.6198% | 5,387 |
| Total domestic deposits to total assets | 77.8708% | 6,056 |
| Equity capital to assets | 8.1256% | 6,640 |
| Core capital (leverage) ratio | 6.9471% | 7,670 |
| Tier 1 risk-based capital ratio | 10.0455% | 6,860 |
| Total risk-based capital ratio | 10.9448% | 7,172 |
| Memoranda: | ||
| Average total assets | $401,883,000 | 1,753 |
| Average earning assets | $362,916,500 | 1,776 |
| Average equity | $32,656,000 | 2,075 |
| Average total loans | $237,453,000 | 2,044 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2321% | 4,343 |
| Cost of funding earning assets | 2.6787% | 3,264 |
| Net interest margin | 3.5534% | 5,081 |
| Noninterest income to average assets | 1.1279% | 1,228 |
| Noninterest expense to average assets | 3.0559% | 3,874 |
| Loan and lease loss provision to assets | 0.2184% | 4,704 |
| Net operating income to assets | 1.0415% | 2,397 |
| Return on assets (ROA) | 0.3428% | 5,202 |
| Pretax return on assets | 0.3502% | 5,394 |
| Return on Equity (ROE) | 4.2319% | 4,720 |
| Retained earnings to average equity (ytd only) | 0.6876% | 4,816 |
| Net charge-offs to loans | 0.2892% | 3,474 |
| Credit loss provision to net charge-offs | 134.2383% | 3,964 |
| Earnings coverage of net charge-offs (x) | 7.8763% | 3,009 |
| Efficiency ratio | 67.6361% | 4,789 |
| Assets per employee ($millions) | 3.0095% | 6,040 |
| Cash dividends to net income (ytd only)* | 83.7509% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 6,384 |
| Loan loss allowance to noncurrent loans | 80.0211% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 0.7732% | 4,918 |
| Noncurrent loans to loans | 1.1917% | 4,122 |
| Net loans and leases to total assets | 58.4921% | 6,130 |
| Net loans and leases to deposits | 77.0804% | 5,462 |
| Net loans and leases to core deposits | 93.4897% | 5,495 |
| Total domestic deposits to total assets | 75.8845% | 6,276 |
| Equity capital to assets | 8.1259% | 6,663 |
| Core capital (leverage) ratio | 6.7527% | 7,836 |
| Tier 1 risk-based capital ratio | 9.8193% | 6,936 |
| Total risk-based capital ratio | 10.6603% | 7,322 |
| Memoranda: | ||
| Average total assets | $407,472,800 | 1,666 |
| Average earning assets | $368,045,000 | 1,692 |
| Average equity | $33,011,000 | 2,048 |
| Average total loans | $229,284,000 | 2,053 |