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Gateway Business Bank, Performance and Condition Ratios

2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7806%6,191
Cost of funding earning assets0.6719%4,258
Net interest margin3.1087%5,981
Noninterest income to average assets21.1401%37
Noninterest expense to average assets22.3863%35
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets1.4970%994
Return on assets (ROA)1.4970%1,113
Pretax return on assets1.6762%1,325
Return on Equity (ROE)12.7164%1,441
Retained earnings to average equity (ytd only)12.7164%474
Net charge-offs to loans0.0856%4,293
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)28.0536%1,115
Efficiency ratio93.0339%862
Assets per employee ($millions)0.5054%7,202
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.2306%1,704
Loan loss allowance to noncurrent loans45.2770%5,372
Noncurrent assets plus other real estate owned to assets3.9153%1,324
Noncurrent loans to loans4.9265%1,013
Net loans and leases to total assets68.8977%2,120
Net loans and leases to deposits82.7731%2,013
Net loans and leases to core deposits84.6863%2,604
Total domestic deposits to total assets83.2369%4,660
Equity capital to assets12.6466%1,726
Core capital (leverage) ratio12.5051%1,348
Tier 1 risk-based capital ratio23.9491%1,020
Total risk-based capital ratio25.2212%997
Memoranda:
Average total assets$187,445,0003,246
Average earning assets$176,215,6703,187
Average equity$22,066,0002,979
Average total loans$130,878,6702,913
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7987%6,247
Cost of funding earning assets0.6988%4,290
Net interest margin3.1000%6,042
Noninterest income to average assets18.3316%39
Noninterest expense to average assets20.9107%32
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets0.3508%5,475
Return on assets (ROA)0.3508%5,650
Pretax return on assets0.3466%5,868
Return on Equity (ROE)3.0889%5,685
Retained earnings to average equity (ytd only)3.0889%4,706
Net charge-offs to loans-0.1873%6,977
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio98.3697%616
Assets per employee ($millions)0.4976%7,269
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.4566%1,417
Loan loss allowance to noncurrent loans41.2557%5,546
Noncurrent assets plus other real estate owned to assets4.9970%1,043
Noncurrent loans to loans5.9545%843
Net loans and leases to total assets65.6525%2,531
Net loans and leases to deposits77.3070%2,627
Net loans and leases to core deposits78.8088%3,210
Total domestic deposits to total assets84.9245%4,081
Equity capital to assets12.0860%1,982
Core capital (leverage) ratio11.7711%1,723
Tier 1 risk-based capital ratio25.1116%893
Total risk-based capital ratio26.3904%873
Memoranda:
Average total assets$190,447,5003,226
Average earning assets$179,744,5003,150
Average equity$21,626,0003,021
Average total loans$132,388,0002,900
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8071%6,719
Cost of funding earning assets0.9277%3,900
Net interest margin2.8795%6,722
Noninterest income to average assets15.1884%41
Noninterest expense to average assets20.6609%31
Loan and lease loss provision to assets-0.4326%7,331
Net operating income to assets-4.0290%7,255
Return on assets (ROA)-4.0290%7,260
Pretax return on assets-2.3578%7,094
Return on Equity (ROE)-30.3829%7,096
Retained earnings to average equity (ytd only)-30.3829%7,089
Net charge-offs to loans0.0049%6,367
Credit loss provision to net charge-offs-13,650.0000%6,966
Earnings coverage of net charge-offs (x)-880.5000%6,439
Efficiency ratio114.0598%365
Assets per employee ($millions)0.5718%7,315
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans2.0212%2,208
Loan loss allowance to noncurrent loans39.5485%5,629
Noncurrent assets plus other real estate owned to assets5.0600%1,053
Noncurrent loans to loans5.1107%1,095
Net loans and leases to total assets70.0401%2,021
Net loans and leases to deposits81.3245%2,303
Net loans and leases to core deposits82.8307%3,054
Total domestic deposits to total assets86.1243%3,245
Equity capital to assets10.7032%3,301
Core capital (leverage) ratio11.8880%1,665
Tier 1 risk-based capital ratio21.6505%1,289
Total risk-based capital ratio22.9233%1,255
Memoranda:
Average total assets$189,328,6003,192
Average earning assets$176,353,0003,138
Average equity$25,106,2002,570
Average total loans$122,778,0003,126
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7406%6,895
Cost of funding earning assets0.9903%3,747
Net interest margin2.7503%6,947
Noninterest income to average assets15.0764%43
Noninterest expense to average assets19.6327%34
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets-4.2673%7,348
Return on assets (ROA)-4.2673%7,352
Pretax return on assets-2.0048%7,125
Return on Equity (ROE)-30.5871%7,197
Retained earnings to average equity (ytd only)-30.5871%7,190
Net charge-offs to loans-0.9248%7,379
Credit loss provision to net charge-offs0.0000%5,735
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio111.1783%410
Assets per employee ($millions)0.5319%7,397
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans3.4187%604
Loan loss allowance to noncurrent loans73.9152%3,812
Noncurrent assets plus other real estate owned to assets5.2684%1,081
Noncurrent loans to loans4.6251%1,393
Net loans and leases to total assets69.6126%2,157
Net loans and leases to deposits83.9240%2,016
Net loans and leases to core deposits85.5416%2,843
Total domestic deposits to total assets82.9471%4,707
Equity capital to assets12.5728%1,868
Core capital (leverage) ratio13.0678%1,204
Tier 1 risk-based capital ratio24.9480%919
Total risk-based capital ratio26.2460%904
Memoranda:
Average total assets$186,344,2503,256
Average earning assets$172,875,5003,202
Average equity$25,997,2502,483
Average total loans$117,503,7503,251
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6788%7,029
Cost of funding earning assets1.0414%3,661
Net interest margin2.6375%7,088
Noninterest income to average assets13.4860%49
Noninterest expense to average assets18.8119%35
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets-6.2642%7,466
Return on assets (ROA)-6.2642%7,468
Pretax return on assets-2.8844%7,294
Return on Equity (ROE)-43.4869%7,324
Retained earnings to average equity (ytd only)-43.4869%7,319
Net charge-offs to loans0.1211%4,505
Credit loss provision to net charge-offs0.0000%5,336
Earnings coverage of net charge-offs (x)-39.6471%5,855
Efficiency ratio117.8948%362
Assets per employee ($millions)0.5592%7,469
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans3.3446%671
Loan loss allowance to noncurrent loans70.9584%3,899
Noncurrent assets plus other real estate owned to assets5.4000%1,097
Noncurrent loans to loans4.7135%1,396
Net loans and leases to total assets60.3180%4,213
Net loans and leases to deposits71.5179%4,198
Net loans and leases to core deposits73.1984%4,685
Total domestic deposits to total assets84.3397%4,196
Equity capital to assets13.2780%1,396
Core capital (leverage) ratio12.7224%1,282
Tier 1 risk-based capital ratio27.3781%704
Total risk-based capital ratio28.6689%690
Memoranda:
Average total assets$186,934,6703,269
Average earning assets$173,044,3303,223
Average equity$26,927,6702,389
Average total loans$112,327,0003,405
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5701%7,160
Cost of funding earning assets1.0509%3,846
Net interest margin2.5191%7,180
Noninterest income to average assets13.3537%52
Noninterest expense to average assets18.8280%39
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets-1.8130%7,257
Return on assets (ROA)-1.8130%7,255
Pretax return on assets-3.1297%7,386
Return on Equity (ROE)-12.1529%7,078
Retained earnings to average equity (ytd only)-12.1529%6,947
Net charge-offs to loans-0.2427%7,299
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio119.7248%346
Assets per employee ($millions)0.5407%7,532
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans3.8221%479
Loan loss allowance to noncurrent loans47.8721%5,125
Noncurrent assets plus other real estate owned to assets5.4143%1,127
Noncurrent loans to loans7.9840%630
Net loans and leases to total assets51.1352%5,698
Net loans and leases to deposits62.1126%5,484
Net loans and leases to core deposits63.7282%5,761
Total domestic deposits to total assets82.3267%5,177
Equity capital to assets15.1243%738
Core capital (leverage) ratio13.1477%1,077
Tier 1 risk-based capital ratio33.2796%396
Total risk-based capital ratio34.5782%389
Memoranda:
Average total assets$192,606,5003,212
Average earning assets$179,268,5003,157
Average equity$28,734,0002,251
Average total loans$113,701,5003,395
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4994%6,404
Cost of funding earning assets1.3564%3,530
Net interest margin3.1431%6,406
Noninterest income to average assets16.8948%43
Noninterest expense to average assets17.7742%44
Loan and lease loss provision to assets1.3780%1,094
Net operating income to assets0.1956%5,275
Return on assets (ROA)0.1956%5,452
Pretax return on assets0.5641%4,436
Return on Equity (ROE)1.3770%5,596
Retained earnings to average equity (ytd only)1.3770%4,854
Net charge-offs to loans1.7824%1,190
Credit loss provision to net charge-offs112.3937%3,885
Earnings coverage of net charge-offs (x)1.5840%4,547
Efficiency ratio89.9861%1,327
Assets per employee ($millions)0.5458%7,615
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.9180%936
Loan loss allowance to noncurrent loans43.5335%5,413
Noncurrent assets plus other real estate owned to assets5.4190%1,142
Noncurrent loans to loans6.7029%870
Net loans and leases to total assets62.6882%4,131
Net loans and leases to deposits75.5161%3,914
Net loans and leases to core deposits77.3532%4,539
Total domestic deposits to total assets83.0131%4,791
Equity capital to assets14.7241%856
Core capital (leverage) ratio13.5358%971
Tier 1 risk-based capital ratio29.8931%511
Total risk-based capital ratio31.1784%500
Memoranda:
Average total assets$201,381,6003,084
Average earning assets$180,778,2003,113
Average equity$28,612,2002,269
Average total loans$138,523,2002,977
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6108%6,307
Cost of funding earning assets1.4144%3,494
Net interest margin3.1965%6,353
Noninterest income to average assets15.9846%44
Noninterest expense to average assets17.0937%47
Loan and lease loss provision to assets1.5153%873
Net operating income to assets0.1095%5,748
Return on assets (ROA)0.1095%5,901
Pretax return on assets0.2130%5,700
Return on Equity (ROE)0.7773%5,953
Retained earnings to average equity (ytd only)0.7773%5,498
Net charge-offs to loans2.0617%904
Credit loss provision to net charge-offs105.2680%4,069
Earnings coverage of net charge-offs (x)1.2006%4,865
Efficiency ratio90.6495%1,236
Assets per employee ($millions)0.5466%7,720
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.3999%1,474
Loan loss allowance to noncurrent loans42.1416%5,482
Noncurrent assets plus other real estate owned to assets5.1847%1,216
Noncurrent loans to loans5.6949%1,147
Net loans and leases to total assets71.4126%2,378
Net loans and leases to deposits85.8351%2,380
Net loans and leases to core deposits88.0142%3,369
Total domestic deposits to total assets83.1975%4,506
Equity capital to assets14.3485%1,065
Core capital (leverage) ratio13.7904%967
Tier 1 risk-based capital ratio23.8430%966
Total risk-based capital ratio25.1175%938
Memoranda:
Average total assets$202,197,7503,112
Average earning assets$179,485,2503,162
Average equity$28,472,5002,312
Average total loans$141,171,7502,959
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6442%6,331
Cost of funding earning assets1.5264%3,096
Net interest margin3.1178%6,558
Noninterest income to average assets14.6659%48
Noninterest expense to average assets16.7592%47
Loan and lease loss provision to assets2.2712%517
Net operating income to assets-0.9369%6,918
Return on assets (ROA)-0.9369%6,935
Pretax return on assets-1.6169%7,119
Return on Equity (ROE)-6.6959%6,817
Retained earnings to average equity (ytd only)-6.6959%6,714
Net charge-offs to loans3.3086%454
Credit loss provision to net charge-offs99.9130%4,120
Earnings coverage of net charge-offs (x)0.2878%5,440
Efficiency ratio96.0611%962
Assets per employee ($millions)0.5264%7,789
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.4682%1,339
Loan loss allowance to noncurrent loans64.8306%4,095
Noncurrent assets plus other real estate owned to assets5.0917%1,250
Noncurrent loans to loans3.8072%2,026
Net loans and leases to total assets71.2249%2,608
Net loans and leases to deposits86.5587%2,422
Net loans and leases to core deposits88.5245%3,482
Total domestic deposits to total assets82.2851%4,871
Equity capital to assets14.6452%963
Core capital (leverage) ratio12.9049%1,242
Tier 1 risk-based capital ratio21.9538%1,212
Total risk-based capital ratio23.2263%1,181
Memoranda:
Average total assets$202,361,0003,131
Average earning assets$178,329,0003,213
Average equity$28,316,0002,316
Average total loans$139,033,3303,036
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2554%7,200
Cost of funding earning assets1.6642%2,573
Net interest margin2.5912%7,398
Noninterest income to average assets12.9456%57
Noninterest expense to average assets15.2148%49
Loan and lease loss provision to assets1.4386%823
Net operating income to assets-0.8286%7,020
Return on assets (ROA)-0.8286%7,049
Pretax return on assets-1.4290%7,233
Return on Equity (ROE)-6.0504%6,943
Retained earnings to average equity (ytd only)-6.0504%6,665
Net charge-offs to loans1.2934%1,322
Credit loss provision to net charge-offs166.6667%2,176
Earnings coverage of net charge-offs (x)0.0111%5,015
Efficiency ratio99.7354%849
Assets per employee ($millions)0.5907%7,889
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.7539%1,031
Loan loss allowance to noncurrent loans64.0488%4,170
Noncurrent assets plus other real estate owned to assets6.4260%895
Noncurrent loans to loans4.2996%1,769
Net loans and leases to total assets65.5301%3,977
Net loans and leases to deposits78.7165%3,903
Net loans and leases to core deposits81.9729%4,490
Total domestic deposits to total assets83.2483%4,502
Equity capital to assets14.1128%1,109
Core capital (leverage) ratio12.6259%1,356
Tier 1 risk-based capital ratio22.1862%1,180
Total risk-based capital ratio23.4601%1,151
Memoranda:
Average total assets$208,534,0003,114
Average earning assets$183,392,5003,217
Average equity$28,560,0002,326
Average total loans$139,168,5003,092
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2913%5,220
Cost of funding earning assets2.3658%1,407
Net interest margin2.9256%6,812
Noninterest income to average assets14.2715%51
Noninterest expense to average assets15.5750%58
Loan and lease loss provision to assets4.5204%258
Net operating income to assets-1.7094%6,966
Return on assets (ROA)-1.7094%6,971
Pretax return on assets-3.2293%7,352
Return on Equity (ROE)-12.8433%6,821
Retained earnings to average equity (ytd only)-12.8433%6,745
Net charge-offs to loans6.1752%165
Credit loss provision to net charge-offs94.5133%5,829
Earnings coverage of net charge-offs (x)0.2699%5,843
Efficiency ratio92.1798%1,552
Assets per employee ($millions)0.5516%7,971
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.3965%1,355
Loan loss allowance to noncurrent loans40.9536%5,668
Noncurrent assets plus other real estate owned to assets7.7857%593
Noncurrent loans to loans5.8517%1,072
Net loans and leases to total assets64.5487%4,486
Net loans and leases to deposits76.7180%4,623
Net loans and leases to core deposits109.8844%2,905
Total domestic deposits to total assets84.1377%3,968
Equity capital to assets13.3081%1,392
Core capital (leverage) ratio12.2258%1,564
Tier 1 risk-based capital ratio20.1781%1,428
Total risk-based capital ratio21.4440%1,388
Memoranda:
Average total assets$232,834,4002,789
Average earning assets$206,488,2002,880
Average equity$30,988,8002,168
Average total loans$180,332,8002,509
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4071%4,913
Cost of funding earning assets2.4708%1,388
Net interest margin2.9363%6,760
Noninterest income to average assets14.8596%50
Noninterest expense to average assets14.9457%62
Loan and lease loss provision to assets4.0086%302
Net operating income to assets-0.8630%6,739
Return on assets (ROA)-0.8630%6,734
Pretax return on assets-1.4864%6,956
Return on Equity (ROE)-6.4843%6,604
Retained earnings to average equity (ytd only)-6.4843%6,442
Net charge-offs to loans5.1282%213
Credit loss provision to net charge-offs97.6696%5,231
Earnings coverage of net charge-offs (x)0.6145%5,414
Efficiency ratio85.4065%2,139
Assets per employee ($millions)0.5839%8,055
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.4935%1,069
Loan loss allowance to noncurrent loans29.7355%6,476
Noncurrent assets plus other real estate owned to assets8.8332%447
Noncurrent loans to loans8.3857%555
Net loans and leases to total assets63.4946%4,980
Net loans and leases to deposits75.3965%5,138
Net loans and leases to core deposits106.2364%3,677
Total domestic deposits to total assets84.2142%3,621
Equity capital to assets12.9023%1,732
Core capital (leverage) ratio11.4042%2,119
Tier 1 risk-based capital ratio19.2965%1,686
Total risk-based capital ratio20.5628%1,650
Memoranda:
Average total assets$236,985,7502,760
Average earning assets$210,509,2502,850
Average equity$31,542,0002,141
Average total loans$189,666,0002,431
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9245%2,480
Cost of funding earning assets2.5532%1,437
Net interest margin3.3713%5,283
Noninterest income to average assets14.9457%51
Noninterest expense to average assets15.0176%67
Loan and lease loss provision to assets3.5507%400
Net operating income to assets-0.3568%6,405
Return on assets (ROA)-0.3568%6,411
Pretax return on assets-0.6163%6,541
Return on Equity (ROE)-2.6532%6,321
Retained earnings to average equity (ytd only)-2.6532%5,901
Net charge-offs to loans3.4049%462
Credit loss provision to net charge-offs122.6277%3,794
Earnings coverage of net charge-offs (x)1.0134%4,770
Efficiency ratio83.5036%2,541
Assets per employee ($millions)0.6753%8,148
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.2832%1,121
Loan loss allowance to noncurrent loans31.0076%6,400
Noncurrent assets plus other real estate owned to assets8.4459%426
Noncurrent loans to loans7.3634%645
Net loans and leases to total assets75.6902%2,260
Net loans and leases to deposits90.0175%2,830
Net loans and leases to core deposits126.5758%1,812
Total domestic deposits to total assets84.0839%3,715
Equity capital to assets11.7019%2,384
Core capital (leverage) ratio11.3089%2,188
Tier 1 risk-based capital ratio14.6004%3,191
Total risk-based capital ratio15.8642%3,128
Memoranda:
Average total assets$236,576,3302,783
Average earning assets$210,955,0002,856
Average equity$31,811,0002,128
Average total loans$201,181,0002,341
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0095%2,324
Cost of funding earning assets2.5221%1,833
Net interest margin3.4874%4,780
Noninterest income to average assets15.3516%49
Noninterest expense to average assets14.8634%68
Loan and lease loss provision to assets6.6273%106
Net operating income to assets-1.7386%7,584
Return on assets (ROA)-1.7386%7,587
Pretax return on assets-3.0019%7,759
Return on Equity (ROE)-11.9647%7,469
Retained earnings to average equity (ytd only)-11.9647%7,262
Net charge-offs to loans6.8808%126
Credit loss provision to net charge-offs107.3120%3,565
Earnings coverage of net charge-offs (x)0.5870%4,526
Efficiency ratio80.2334%2,779
Assets per employee ($millions)0.6561%8,202
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.9987%1,424
Loan loss allowance to noncurrent loans30.4982%6,514
Noncurrent assets plus other real estate owned to assets7.1040%471
Noncurrent loans to loans6.5535%665
Net loans and leases to total assets87.9791%268
Net loans and leases to deposits113.8214%455
Net loans and leases to core deposits162.0327%467
Total domestic deposits to total assets77.2958%6,208
Equity capital to assets13.1142%1,694
Core capital (leverage) ratio13.3576%1,368
Tier 1 risk-based capital ratio14.5919%3,261
Total risk-based capital ratio15.8532%3,185
Memoranda:
Average total assets$218,792,0003,000
Average earning assets$196,822,5003,053
Average equity$31,793,5002,131
Average total loans$196,371,5002,408
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.5494%374
Cost of funding earning assets2.8886%2,317
Net interest margin4.6608%1,042
Noninterest income to average assets12.7669%69
Noninterest expense to average assets14.3454%78
Loan and lease loss provision to assets3.0916%293
Net operating income to assets-0.2530%6,684
Return on assets (ROA)-0.2530%6,528
Pretax return on assets-0.4362%6,587
Return on Equity (ROE)-1.4253%6,420
Retained earnings to average equity (ytd only)-1.4253%5,717
Net charge-offs to loans2.8231%329
Credit loss provision to net charge-offs120.4000%4,457
Earnings coverage of net charge-offs (x)1.0341%5,613
Efficiency ratio84.1744%2,037
Assets per employee ($millions)0.5762%8,255
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans2.2640%889
Loan loss allowance to noncurrent loans52.5508%5,377
Noncurrent assets plus other real estate owned to assets5.3322%618
Noncurrent loans to loans4.3083%1,117
Net loans and leases to total assets87.6961%393
Net loans and leases to deposits114.4774%593
Net loans and leases to core deposits152.5564%763
Total domestic deposits to total assets76.6056%6,095
Equity capital to assets16.2340%894
Core capital (leverage) ratio15.6626%888
Tier 1 risk-based capital ratio13.8745%3,604
Total risk-based capital ratio15.1321%3,524
Memoranda:
Average total assets$184,986,2003,340
Average earning assets$168,039,6003,363
Average equity$32,835,6002,061
Average total loans$168,252,6002,636