Home > Fullerton Community Bank, FSB > Performance and Condition Ratios
Fullerton Community Bank, FSB, 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 | 4.9450% | 3,357 |
| Cost of funding earning assets | 1.2795% | 1,821 |
| Net interest margin | 3.6654% | 4,499 |
| Noninterest income to average assets | 0.6023% | 3,149 |
| Noninterest expense to average assets | 3.2166% | 2,780 |
| Loan and lease loss provision to assets | 0.3315% | 2,891 |
| Net operating income to assets | 0.3326% | 5,278 |
| Return on assets (ROA) | 0.3778% | 5,277 |
| Pretax return on assets | 0.5632% | 4,921 |
| Return on Equity (ROE) | 4.0614% | 4,965 |
| Retained earnings to average equity (ytd only) | 4.0614% | 3,838 |
| Net charge-offs to loans | 0.5462% | 2,602 |
| Credit loss provision to net charge-offs | 77.3026% | 4,234 |
| Earnings coverage of net charge-offs (x) | 1.9290% | 4,203 |
| Efficiency ratio | 79.3751% | 2,351 |
| Assets per employee ($millions) | 5.1735% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9665% | 2,429 |
| Loan loss allowance to noncurrent loans | 88.4290% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 2.3769% | 2,702 |
| Noncurrent loans to loans | 2.2238% | 3,081 |
| Net loans and leases to total assets | 74.4800% | 1,237 |
| Net loans and leases to deposits | 99.8590% | 480 |
| Net loans and leases to core deposits | 120.0175% | 383 |
| Total domestic deposits to total assets | 74.5851% | 6,691 |
| Equity capital to assets | 9.8484% | 4,553 |
| Core capital (leverage) ratio | 9.6895% | 3,867 |
| Tier 1 risk-based capital ratio | 13.4455% | 4,776 |
| Total risk-based capital ratio | 14.7057% | 4,737 |
| Memoranda: | ||
| Average total assets | $661,669,000 | 985 |
| Average earning assets | $621,248,000 | 961 |
| Average equity | $61,553,750 | 1,101 |
| Average total loans | $519,425,000 | 813 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9404% | 3,439 |
| Cost of funding earning assets | 1.3100% | 1,880 |
| Net interest margin | 3.6303% | 4,599 |
| Noninterest income to average assets | 0.5232% | 3,676 |
| Noninterest expense to average assets | 3.2383% | 2,776 |
| Loan and lease loss provision to assets | 0.4041% | 2,409 |
| Net operating income to assets | 0.2157% | 5,684 |
| Return on assets (ROA) | 0.2892% | 5,554 |
| Pretax return on assets | 0.3919% | 5,414 |
| Return on Equity (ROE) | 3.1676% | 5,324 |
| Retained earnings to average equity (ytd only) | 3.1676% | 4,257 |
| Net charge-offs to loans | 0.5721% | 2,392 |
| Credit loss provision to net charge-offs | 89.0789% | 3,480 |
| Earnings coverage of net charge-offs (x) | 1.5355% | 4,140 |
| Efficiency ratio | 82.1299% | 2,081 |
| Assets per employee ($millions) | 4.8506% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8820% | 2,724 |
| Loan loss allowance to noncurrent loans | 83.0642% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 2.3465% | 2,807 |
| Noncurrent loans to loans | 2.2658% | 3,143 |
| Net loans and leases to total assets | 79.9905% | 531 |
| Net loans and leases to deposits | 104.8110% | 293 |
| Net loans and leases to core deposits | 125.9038% | 316 |
| Total domestic deposits to total assets | 76.3188% | 6,557 |
| Equity capital to assets | 9.6444% | 4,607 |
| Core capital (leverage) ratio | 9.4861% | 3,978 |
| Tier 1 risk-based capital ratio | 12.2692% | 5,549 |
| Total risk-based capital ratio | 13.5282% | 5,523 |
| Memoranda: | ||
| Average total assets | $670,113,330 | 984 |
| Average earning assets | $629,749,000 | 952 |
| Average equity | $61,182,000 | 1,103 |
| Average total loans | $531,416,670 | 809 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8204% | 3,956 |
| Cost of funding earning assets | 1.3174% | 2,084 |
| Net interest margin | 3.5030% | 4,999 |
| Noninterest income to average assets | 0.3971% | 4,724 |
| Noninterest expense to average assets | 3.1479% | 3,077 |
| Loan and lease loss provision to assets | 0.4998% | 1,745 |
| Net operating income to assets | 0.0307% | 6,278 |
| Return on assets (ROA) | 0.1571% | 5,975 |
| Pretax return on assets | 0.2400% | 5,836 |
| Return on Equity (ROE) | 1.7669% | 5,881 |
| Retained earnings to average equity (ytd only) | 1.7669% | 5,062 |
| Net charge-offs to loans | 0.7588% | 1,703 |
| Credit loss provision to net charge-offs | 84.1691% | 3,062 |
| Earnings coverage of net charge-offs (x) | 0.9184% | 3,964 |
| Efficiency ratio | 85.0593% | 1,832 |
| Assets per employee ($millions) | 5.1658% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8569% | 2,832 |
| Loan loss allowance to noncurrent loans | 65.2613% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 2.5999% | 2,637 |
| Noncurrent loans to loans | 2.8453% | 2,652 |
| Net loans and leases to total assets | 76.1862% | 1,010 |
| Net loans and leases to deposits | 101.6340% | 396 |
| Net loans and leases to core deposits | 121.8865% | 382 |
| Total domestic deposits to total assets | 74.9614% | 6,801 |
| Equity capital to assets | 8.9514% | 5,279 |
| Core capital (leverage) ratio | 8.8031% | 4,924 |
| Tier 1 risk-based capital ratio | 12.1241% | 5,575 |
| Total risk-based capital ratio | 13.3832% | 5,561 |
| Memoranda: | ||
| Average total assets | $685,029,500 | 973 |
| Average earning assets | $644,592,500 | 944 |
| Average equity | $60,897,500 | 1,097 |
| Average total loans | $536,131,000 | 807 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1503% | 3,849 |
| Cost of funding earning assets | 1.4871% | 2,721 |
| Net interest margin | 3.6632% | 4,520 |
| Noninterest income to average assets | 0.3159% | 5,533 |
| Noninterest expense to average assets | 3.2768% | 2,809 |
| Loan and lease loss provision to assets | 0.8394% | 1,958 |
| Net operating income to assets | -0.1811% | 6,094 |
| Return on assets (ROA) | -0.1286% | 6,077 |
| Pretax return on assets | -0.3084% | 6,166 |
| Return on Equity (ROE) | -1.5011% | 6,117 |
| Retained earnings to average equity (ytd only) | -1.5011% | 5,887 |
| Net charge-offs to loans | 1.0692% | 2,073 |
| Credit loss provision to net charge-offs | 96.9133% | 4,792 |
| Earnings coverage of net charge-offs (x) | 0.5184% | 5,597 |
| Efficiency ratio | 87.7482% | 1,500 |
| Assets per employee ($millions) | 5.1743% | 1,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8402% | 2,719 |
| Loan loss allowance to noncurrent loans | 50.8940% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 3.3118% | 2,135 |
| Noncurrent loans to loans | 3.6157% | 2,071 |
| Net loans and leases to total assets | 77.4425% | 1,025 |
| Net loans and leases to deposits | 103.6257% | 415 |
| Net loans and leases to core deposits | 124.2429% | 423 |
| Total domestic deposits to total assets | 74.7329% | 6,804 |
| Equity capital to assets | 8.8287% | 5,393 |
| Core capital (leverage) ratio | 8.6831% | 5,050 |
| Tier 1 risk-based capital ratio | 11.7749% | 5,672 |
| Total risk-based capital ratio | 13.0338% | 5,665 |
| Memoranda: | ||
| Average total assets | $706,945,600 | 943 |
| Average earning assets | $658,058,000 | 928 |
| Average equity | $60,555,000 | 1,101 |
| Average total loans | $572,650,400 | 784 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2008% | 3,826 |
| Cost of funding earning assets | 1.5180% | 2,861 |
| Net interest margin | 3.6828% | 4,498 |
| Noninterest income to average assets | 0.2844% | 5,838 |
| Noninterest expense to average assets | 3.2190% | 2,863 |
| Loan and lease loss provision to assets | 1.0402% | 1,423 |
| Net operating income to assets | -0.2649% | 6,393 |
| Return on assets (ROA) | -0.2231% | 6,404 |
| Pretax return on assets | -0.4896% | 6,544 |
| Return on Equity (ROE) | -2.6245% | 6,462 |
| Retained earnings to average equity (ytd only) | -2.6245% | 6,302 |
| Net charge-offs to loans | 1.3304% | 1,530 |
| Credit loss provision to net charge-offs | 95.9226% | 4,516 |
| Earnings coverage of net charge-offs (x) | 0.4477% | 5,578 |
| Efficiency ratio | 86.6832% | 1,560 |
| Assets per employee ($millions) | 5.2764% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7864% | 2,828 |
| Loan loss allowance to noncurrent loans | 75.7004% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 3.5935% | 1,982 |
| Noncurrent loans to loans | 2.3599% | 3,283 |
| Net loans and leases to total assets | 78.4934% | 955 |
| Net loans and leases to deposits | 102.5292% | 503 |
| Net loans and leases to core deposits | 128.8248% | 399 |
| Total domestic deposits to total assets | 76.5571% | 6,558 |
| Equity capital to assets | 8.6849% | 6,040 |
| Core capital (leverage) ratio | 8.6703% | 5,244 |
| Tier 1 risk-based capital ratio | 11.2927% | 6,103 |
| Total risk-based capital ratio | 12.5503% | 6,095 |
| Memoranda: | ||
| Average total assets | $711,638,000 | 943 |
| Average earning assets | $660,858,000 | 929 |
| Average equity | $60,504,500 | 1,103 |
| Average total loans | $580,080,000 | 777 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1660% | 4,110 |
| Cost of funding earning assets | 1.5313% | 3,062 |
| Net interest margin | 3.6347% | 4,664 |
| Noninterest income to average assets | 0.2255% | 6,301 |
| Noninterest expense to average assets | 3.3409% | 2,428 |
| Loan and lease loss provision to assets | 0.9893% | 1,470 |
| Net operating income to assets | -0.4221% | 6,590 |
| Return on assets (ROA) | -0.4119% | 6,619 |
| Pretax return on assets | -0.7066% | 6,726 |
| Return on Equity (ROE) | -4.8786% | 6,692 |
| Retained earnings to average equity (ytd only) | -4.8786% | 6,544 |
| Net charge-offs to loans | 1.2863% | 1,480 |
| Credit loss provision to net charge-offs | 93.7583% | 4,301 |
| Earnings coverage of net charge-offs (x) | 0.2528% | 5,474 |
| Efficiency ratio | 92.3731% | 1,167 |
| Assets per employee ($millions) | 5.2585% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7168% | 3,010 |
| Loan loss allowance to noncurrent loans | 54.1258% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 3.6450% | 1,922 |
| Noncurrent loans to loans | 3.1718% | 2,523 |
| Net loans and leases to total assets | 80.7894% | 692 |
| Net loans and leases to deposits | 108.2549% | 319 |
| Net loans and leases to core deposits | 136.3868% | 326 |
| Total domestic deposits to total assets | 74.6289% | 6,896 |
| Equity capital to assets | 8.5429% | 6,112 |
| Core capital (leverage) ratio | 8.5294% | 5,358 |
| Tier 1 risk-based capital ratio | 10.9610% | 6,277 |
| Total risk-based capital ratio | 12.2179% | 6,261 |
| Memoranda: | ||
| Average total assets | $716,689,000 | 938 |
| Average earning assets | $666,900,670 | 926 |
| Average equity | $60,509,670 | 1,100 |
| Average total loans | $587,893,670 | 769 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0635% | 4,717 |
| Cost of funding earning assets | 1.5386% | 3,337 |
| Net interest margin | 3.5249% | 5,062 |
| Noninterest income to average assets | 0.4085% | 4,836 |
| Noninterest expense to average assets | 3.5577% | 1,824 |
| Loan and lease loss provision to assets | 1.8580% | 606 |
| Net operating income to assets | -1.0234% | 7,114 |
| Return on assets (ROA) | -1.0234% | 7,136 |
| Pretax return on assets | -1.7257% | 7,328 |
| Return on Equity (ROE) | -12.1913% | 7,222 |
| Retained earnings to average equity (ytd only) | -12.1913% | 7,077 |
| Net charge-offs to loans | 2.2208% | 768 |
| Credit loss provision to net charge-offs | 102.0985% | 3,333 |
| Earnings coverage of net charge-offs (x) | 0.0727% | 4,971 |
| Efficiency ratio | 96.2052% | 1,012 |
| Assets per employee ($millions) | 5.3841% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7356% | 2,942 |
| Loan loss allowance to noncurrent loans | 42.0034% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 4.4779% | 1,509 |
| Noncurrent loans to loans | 4.1321% | 1,874 |
| Net loans and leases to total assets | 81.6375% | 631 |
| Net loans and leases to deposits | 108.9811% | 316 |
| Net loans and leases to core deposits | 122.6659% | 685 |
| Total domestic deposits to total assets | 74.9097% | 6,917 |
| Equity capital to assets | 8.4099% | 6,151 |
| Core capital (leverage) ratio | 8.4031% | 5,553 |
| Tier 1 risk-based capital ratio | 10.6460% | 6,496 |
| Total risk-based capital ratio | 11.9031% | 6,478 |
| Memoranda: | ||
| Average total assets | $722,712,000 | 952 |
| Average earning assets | $672,812,500 | 936 |
| Average equity | $60,666,000 | 1,099 |
| Average total loans | $592,230,000 | 780 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7983% | 2,659 |
| Cost of funding earning assets | 1.9350% | 3,276 |
| Net interest margin | 3.8633% | 3,420 |
| Noninterest income to average assets | 0.3765% | 5,404 |
| Noninterest expense to average assets | 3.2061% | 3,359 |
| Loan and lease loss provision to assets | 1.4607% | 1,580 |
| Net operating income to assets | -0.3954% | 6,073 |
| Return on assets (ROA) | -0.3398% | 6,005 |
| Pretax return on assets | -0.7126% | 6,205 |
| Return on Equity (ROE) | -4.0202% | 6,111 |
| Retained earnings to average equity (ytd only) | -4.0202% | 5,864 |
| Net charge-offs to loans | 1.0700% | 2,276 |
| Credit loss provision to net charge-offs | 158.3046% | 2,839 |
| Earnings coverage of net charge-offs (x) | 0.7167% | 5,384 |
| Efficiency ratio | 82.6574% | 2,530 |
| Assets per employee ($millions) | 5.3241% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7139% | 2,854 |
| Loan loss allowance to noncurrent loans | 60.5219% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 3.5812% | 1,867 |
| Noncurrent loans to loans | 2.8319% | 2,722 |
| Net loans and leases to total assets | 79.4630% | 1,098 |
| Net loans and leases to deposits | 105.6904% | 570 |
| Net loans and leases to core deposits | 144.2302% | 664 |
| Total domestic deposits to total assets | 75.1846% | 6,834 |
| Equity capital to assets | 8.3790% | 6,083 |
| Core capital (leverage) ratio | 8.3754% | 5,489 |
| Tier 1 risk-based capital ratio | 10.8667% | 6,049 |
| Total risk-based capital ratio | 12.1234% | 6,008 |
| Memoranda: | ||
| Average total assets | $754,279,000 | 907 |
| Average earning assets | $681,567,600 | 907 |
| Average equity | $63,752,800 | 1,039 |
| Average total loans | $650,491,000 | 720 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9178% | 2,364 |
| Cost of funding earning assets | 1.9821% | 3,458 |
| Net interest margin | 3.9357% | 3,096 |
| Noninterest income to average assets | 0.3493% | 5,702 |
| Noninterest expense to average assets | 3.1846% | 3,350 |
| Loan and lease loss provision to assets | 0.7466% | 2,502 |
| Net operating income to assets | -0.0402% | 5,782 |
| Return on assets (ROA) | 0.0495% | 5,639 |
| Pretax return on assets | 0.0369% | 5,638 |
| Return on Equity (ROE) | 0.5847% | 5,622 |
| Retained earnings to average equity (ytd only) | 0.5847% | 4,962 |
| Net charge-offs to loans | 0.6516% | 2,731 |
| Credit loss provision to net charge-offs | 130.8805% | 3,820 |
| Earnings coverage of net charge-offs (x) | 1.2161% | 4,858 |
| Efficiency ratio | 81.8548% | 2,597 |
| Assets per employee ($millions) | 5.6076% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 5,444 |
| Loan loss allowance to noncurrent loans | 33.3880% | 6,200 |
| Noncurrent assets plus other real estate owned to assets | 3.1499% | 2,168 |
| Noncurrent loans to loans | 3.4279% | 2,187 |
| Net loans and leases to total assets | 81.2927% | 930 |
| Net loans and leases to deposits | 108.5693% | 518 |
| Net loans and leases to core deposits | 130.0425% | 1,436 |
| Total domestic deposits to total assets | 74.8763% | 6,792 |
| Equity capital to assets | 8.5056% | 6,244 |
| Core capital (leverage) ratio | 8.5042% | 5,482 |
| Tier 1 risk-based capital ratio | 10.9058% | 6,044 |
| Total risk-based capital ratio | 12.1296% | 6,036 |
| Memoranda: | ||
| Average total assets | $759,167,250 | 912 |
| Average earning assets | $680,731,000 | 924 |
| Average equity | $64,300,250 | 1,043 |
| Average total loans | $664,609,750 | 721 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8799% | 2,675 |
| Cost of funding earning assets | 1.9669% | 3,931 |
| Net interest margin | 3.9130% | 3,047 |
| Noninterest income to average assets | 0.3458% | 5,738 |
| Noninterest expense to average assets | 3.2692% | 3,088 |
| Loan and lease loss provision to assets | 0.6038% | 2,637 |
| Net operating income to assets | 0.0386% | 5,735 |
| Return on assets (ROA) | 0.1090% | 5,636 |
| Pretax return on assets | 0.1216% | 5,622 |
| Return on Equity (ROE) | 1.2883% | 5,539 |
| Retained earnings to average equity (ytd only) | 1.2883% | 4,623 |
| Net charge-offs to loans | 0.6988% | 2,304 |
| Credit loss provision to net charge-offs | 96.7524% | 4,719 |
| Earnings coverage of net charge-offs (x) | 1.0371% | 4,750 |
| Efficiency ratio | 83.2056% | 2,578 |
| Assets per employee ($millions) | 5.1558% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 6,642 |
| Loan loss allowance to noncurrent loans | 22.8062% | 6,976 |
| Noncurrent assets plus other real estate owned to assets | 4.1370% | 1,408 |
| Noncurrent loans to loans | 4.0829% | 1,643 |
| Net loans and leases to total assets | 85.4411% | 445 |
| Net loans and leases to deposits | 115.8680% | 335 |
| Net loans and leases to core deposits | 159.2056% | 467 |
| Total domestic deposits to total assets | 73.7400% | 6,988 |
| Equity capital to assets | 8.5727% | 5,940 |
| Core capital (leverage) ratio | 8.5704% | 5,315 |
| Tier 1 risk-based capital ratio | 10.5320% | 6,350 |
| Total risk-based capital ratio | 11.5351% | 6,547 |
| Memoranda: | ||
| Average total assets | $759,880,000 | 928 |
| Average earning assets | $693,381,000 | 924 |
| Average equity | $64,270,330 | 1,056 |
| Average total loans | $678,635,000 | 727 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8968% | 2,814 |
| Cost of funding earning assets | 1.9380% | 4,447 |
| Net interest margin | 3.9588% | 2,817 |
| Noninterest income to average assets | 0.2415% | 6,523 |
| Noninterest expense to average assets | 3.0682% | 3,496 |
| Loan and lease loss provision to assets | 0.6775% | 1,867 |
| Net operating income to assets | 0.1163% | 5,934 |
| Return on assets (ROA) | 0.1163% | 6,095 |
| Pretax return on assets | 0.1745% | 6,000 |
| Return on Equity (ROE) | 1.3845% | 6,013 |
| Retained earnings to average equity (ytd only) | 1.3845% | 5,080 |
| Net charge-offs to loans | 0.8319% | 1,561 |
| Credit loss provision to net charge-offs | 89.6671% | 4,016 |
| Earnings coverage of net charge-offs (x) | 1.1276% | 4,188 |
| Efficiency ratio | 77.9872% | 3,165 |
| Assets per employee ($millions) | 5.3083% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8680% | 6,882 |
| Loan loss allowance to noncurrent loans | 27.8475% | 6,703 |
| Noncurrent assets plus other real estate owned to assets | 3.2837% | 1,677 |
| Noncurrent loans to loans | 3.1171% | 2,077 |
| Net loans and leases to total assets | 89.8624% | 143 |
| Net loans and leases to deposits | 127.7691% | 166 |
| Net loans and leases to core deposits | 175.8314% | 281 |
| Total domestic deposits to total assets | 70.3319% | 7,395 |
| Equity capital to assets | 8.4656% | 6,124 |
| Core capital (leverage) ratio | 8.4641% | 5,608 |
| Tier 1 risk-based capital ratio | 9.8568% | 7,077 |
| Total risk-based capital ratio | 10.7890% | 7,337 |
| Memoranda: | ||
| Average total assets | $763,449,000 | 919 |
| Average earning assets | $709,406,500 | 902 |
| Average equity | $64,140,500 | 1,064 |
| Average total loans | $693,354,500 | 719 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6687% | 2,163 |
| Cost of funding earning assets | 2.2884% | 5,210 |
| Net interest margin | 4.3803% | 1,749 |
| Noninterest income to average assets | 0.3506% | 5,925 |
| Noninterest expense to average assets | 3.0459% | 3,914 |
| Loan and lease loss provision to assets | 1.1177% | 1,297 |
| Net operating income to assets | 0.2411% | 5,728 |
| Return on assets (ROA) | 0.2543% | 5,511 |
| Pretax return on assets | 0.3204% | 5,464 |
| Return on Equity (ROE) | 2.9042% | 5,271 |
| Retained earnings to average equity (ytd only) | 0.8443% | 4,716 |
| Net charge-offs to loans | 1.0259% | 1,208 |
| Credit loss provision to net charge-offs | 119.5193% | 4,503 |
| Earnings coverage of net charge-offs (x) | 1.5200% | 5,340 |
| Efficiency ratio | 67.9306% | 4,733 |
| Assets per employee ($millions) | 5.5639% | 1,413 |
| Cash dividends to net income (ytd only)* | 70.9265% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8756% | 6,790 |
| Loan loss allowance to noncurrent loans | 28.9370% | 6,765 |
| Noncurrent assets plus other real estate owned to assets | 3.1525% | 1,451 |
| Noncurrent loans to loans | 3.0259% | 1,770 |
| Net loans and leases to total assets | 90.1896% | 189 |
| Net loans and leases to deposits | 134.9921% | 150 |
| Net loans and leases to core deposits | 182.1402% | 267 |
| Total domestic deposits to total assets | 66.8110% | 7,591 |
| Equity capital to assets | 8.3380% | 6,359 |
| Core capital (leverage) ratio | 8.3384% | 5,874 |
| Tier 1 risk-based capital ratio | 9.5846% | 7,222 |
| Total risk-based capital ratio | 10.5740% | 7,418 |
| Memoranda: | ||
| Average total assets | $738,491,000 | 907 |
| Average earning assets | $694,060,000 | 882 |
| Average equity | $64,665,800 | 1,033 |
| Average total loans | $673,174,800 | 705 |