Home > Global Commerce Bank > Performance and Condition Ratios
Global Commerce Bank, 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 | 4.3094% | 5,736 |
| Cost of funding earning assets | 2.0396% | 82 |
| Net interest margin | 2.2697% | 7,153 |
| Noninterest income to average assets | 0.4923% | 3,901 |
| Noninterest expense to average assets | 5.5458% | 258 |
| Loan and lease loss provision to assets | 2.3473% | 205 |
| Net operating income to assets | -5.5199% | 7,316 |
| Return on assets (ROA) | -5.1943% | 7,313 |
| Pretax return on assets | -5.1943% | 7,315 |
| Return on Equity (ROE) | -168.5350% | 7,342 |
| Retained earnings to average equity (ytd only) | -168.5350% | 7,342 |
| Net charge-offs to loans | 4.4263% | 109 |
| Credit loss provision to net charge-offs | 95.4091% | 3,781 |
| Earnings coverage of net charge-offs (x) | -1.2895% | 6,229 |
| Efficiency ratio | 233.6786% | 40 |
| Assets per employee ($millions) | 4.9544% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7271% | 57 |
| Loan loss allowance to noncurrent loans | 32.5064% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 23.9055% | 26 |
| Noncurrent loans to loans | 20.6948% | 44 |
| Net loans and leases to total assets | 46.6585% | 5,949 |
| Net loans and leases to deposits | 57.3892% | 5,764 |
| Net loans and leases to core deposits | 61.5626% | 5,696 |
| Total domestic deposits to total assets | 81.3019% | 5,360 |
| Equity capital to assets | 0.7955% | 7,345 |
| Core capital (leverage) ratio | 0.5800% | 7,348 |
| Tier 1 risk-based capital ratio | 1.0764% | 7,345 |
| Total risk-based capital ratio | 2.1527% | 7,345 |
| Memoranda: | ||
| Average total assets | $150,511,200 | 3,790 |
| Average earning assets | $124,727,600 | 4,045 |
| Average equity | $4,638,800 | 6,550 |
| Average total loans | $83,659,600 | 4,030 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2483% | 6,087 |
| Cost of funding earning assets | 2.0285% | 107 |
| Net interest margin | 2.2197% | 7,251 |
| Noninterest income to average assets | 0.4502% | 4,293 |
| Noninterest expense to average assets | 3.8759% | 1,191 |
| Loan and lease loss provision to assets | 2.6689% | 151 |
| Net operating income to assets | -4.2438% | 7,345 |
| Return on assets (ROA) | -3.9451% | 7,332 |
| Pretax return on assets | -3.9451% | 7,332 |
| Return on Equity (ROE) | -108.9326% | 7,386 |
| Retained earnings to average equity (ytd only) | -108.9326% | 7,386 |
| Net charge-offs to loans | 5.3821% | 78 |
| Credit loss provision to net charge-offs | 87.1568% | 3,886 |
| Earnings coverage of net charge-offs (x) | -0.5143% | 5,833 |
| Efficiency ratio | 168.4431% | 93 |
| Assets per employee ($millions) | 5.1749% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0671% | 84 |
| Loan loss allowance to noncurrent loans | 34.3434% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 21.8735% | 38 |
| Noncurrent loans to loans | 17.6661% | 84 |
| Net loans and leases to total assets | 45.4353% | 6,197 |
| Net loans and leases to deposits | 56.5259% | 5,979 |
| Net loans and leases to core deposits | 60.6129% | 5,934 |
| Total domestic deposits to total assets | 80.3797% | 5,625 |
| Equity capital to assets | 2.9817% | 7,364 |
| Core capital (leverage) ratio | 2.7101% | 7,364 |
| Tier 1 risk-based capital ratio | 4.7365% | 7,336 |
| Total risk-based capital ratio | 6.0347% | 7,336 |
| Memoranda: | ||
| Average total assets | $152,219,500 | 3,789 |
| Average earning assets | $126,919,000 | 4,013 |
| Average equity | $5,512,750 | 6,334 |
| Average total loans | $86,606,250 | 3,987 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0532% | 6,568 |
| Cost of funding earning assets | 2.0111% | 135 |
| Net interest margin | 2.0421% | 7,360 |
| Noninterest income to average assets | 0.5502% | 3,475 |
| Noninterest expense to average assets | 2.9601% | 3,791 |
| Loan and lease loss provision to assets | 4.0301% | 73 |
| Net operating income to assets | -4.6954% | 7,430 |
| Return on assets (ROA) | -4.5592% | 7,426 |
| Pretax return on assets | -4.5592% | 7,420 |
| Return on Equity (ROE) | -118.7120% | 7,452 |
| Retained earnings to average equity (ytd only) | -118.7120% | 7,452 |
| Net charge-offs to loans | 7.0806% | 51 |
| Credit loss provision to net charge-offs | 95.1593% | 3,304 |
| Earnings coverage of net charge-offs (x) | -0.1571% | 5,381 |
| Efficiency ratio | 128.9914% | 262 |
| Assets per employee ($millions) | 5.0282% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9444% | 98 |
| Loan loss allowance to noncurrent loans | 39.0279% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 21.3517% | 51 |
| Noncurrent loans to loans | 15.2310% | 132 |
| Net loans and leases to total assets | 50.8734% | 5,709 |
| Net loans and leases to deposits | 64.0129% | 5,270 |
| Net loans and leases to core deposits | 68.9959% | 5,187 |
| Total domestic deposits to total assets | 79.4736% | 5,957 |
| Equity capital to assets | 3.3670% | 7,420 |
| Core capital (leverage) ratio | 3.5177% | 7,404 |
| Tier 1 risk-based capital ratio | 5.0640% | 7,398 |
| Total risk-based capital ratio | 6.3560% | 7,398 |
| Memoranda: | ||
| Average total assets | $151,210,330 | 3,828 |
| Average earning assets | $129,181,330 | 4,006 |
| Average equity | $5,807,330 | 6,287 |
| Average total loans | $90,444,000 | 3,931 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9453% | 6,772 |
| Cost of funding earning assets | 1.9833% | 177 |
| Net interest margin | 1.9620% | 7,416 |
| Noninterest income to average assets | 0.4492% | 4,295 |
| Noninterest expense to average assets | 3.0517% | 3,453 |
| Loan and lease loss provision to assets | 8.0506% | 23 |
| Net operating income to assets | -8.9436% | 7,548 |
| Return on assets (ROA) | -8.9410% | 7,548 |
| Pretax return on assets | -8.9410% | 7,544 |
| Return on Equity (ROE) | -219.3308% | 7,543 |
| Retained earnings to average equity (ytd only) | -219.3308% | 7,541 |
| Net charge-offs to loans | 8.7782% | 48 |
| Credit loss provision to net charge-offs | 146.3497% | 1,938 |
| Earnings coverage of net charge-offs (x) | -0.1623% | 4,675 |
| Efficiency ratio | 141.3709% | 209 |
| Assets per employee ($millions) | 4.9187% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7248% | 70 |
| Loan loss allowance to noncurrent loans | 44.6656% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 20.8708% | 53 |
| Noncurrent loans to loans | 15.0559% | 149 |
| Net loans and leases to total assets | 56.1168% | 4,977 |
| Net loans and leases to deposits | 70.6928% | 4,237 |
| Net loans and leases to core deposits | 76.9036% | 4,174 |
| Total domestic deposits to total assets | 79.3813% | 6,096 |
| Equity capital to assets | 3.0496% | 7,485 |
| Core capital (leverage) ratio | 3.5038% | 7,462 |
| Tier 1 risk-based capital ratio | 4.9950% | 7,458 |
| Total risk-based capital ratio | 6.2984% | 7,456 |
| Memoranda: | ||
| Average total assets | $151,393,000 | 3,858 |
| Average earning assets | $131,903,000 | 3,979 |
| Average equity | $6,171,500 | 6,191 |
| Average total loans | $94,871,000 | 3,861 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5466% | 6,263 |
| Cost of funding earning assets | 2.2562% | 248 |
| Net interest margin | 2.2904% | 7,375 |
| Noninterest income to average assets | 0.3923% | 4,957 |
| Noninterest expense to average assets | 3.3149% | 2,687 |
| Loan and lease loss provision to assets | 3.9237% | 167 |
| Net operating income to assets | -4.7960% | 7,521 |
| Return on assets (ROA) | -4.6860% | 7,518 |
| Pretax return on assets | -4.6860% | 7,518 |
| Return on Equity (ROE) | -63.1640% | 7,495 |
| Retained earnings to average equity (ytd only) | -63.1640% | 7,493 |
| Net charge-offs to loans | 4.4320% | 253 |
| Credit loss provision to net charge-offs | 136.0596% | 2,836 |
| Earnings coverage of net charge-offs (x) | -0.3025% | 6,359 |
| Efficiency ratio | 135.7091% | 276 |
| Assets per employee ($millions) | 5.1742% | 1,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9571% | 198 |
| Loan loss allowance to noncurrent loans | 46.7976% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 12.7363% | 242 |
| Noncurrent loans to loans | 10.5927% | 381 |
| Net loans and leases to total assets | 61.8202% | 4,322 |
| Net loans and leases to deposits | 78.8932% | 3,356 |
| Net loans and leases to core deposits | 86.3238% | 3,276 |
| Total domestic deposits to total assets | 78.3593% | 6,243 |
| Equity capital to assets | 5.0526% | 7,429 |
| Core capital (leverage) ratio | 5.2427% | 7,391 |
| Tier 1 risk-based capital ratio | 7.7728% | 7,364 |
| Total risk-based capital ratio | 9.0627% | 7,366 |
| Memoranda: | ||
| Average total assets | $170,018,200 | 3,534 |
| Average earning assets | $152,202,000 | 3,601 |
| Average equity | $12,613,200 | 4,457 |
| Average total loans | $110,627,800 | 3,531 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7124% | 5,971 |
| Cost of funding earning assets | 2.2816% | 292 |
| Net interest margin | 2.4309% | 7,418 |
| Noninterest income to average assets | 0.2625% | 6,017 |
| Noninterest expense to average assets | 3.6373% | 1,702 |
| Loan and lease loss provision to assets | 6.6298% | 33 |
| Net operating income to assets | -6.8034% | 7,713 |
| Return on assets (ROA) | -6.7687% | 7,713 |
| Pretax return on assets | -7.7903% | 7,726 |
| Return on Equity (ROE) | -85.1701% | 7,671 |
| Retained earnings to average equity (ytd only) | -85.1701% | 7,671 |
| Net charge-offs to loans | 5.7876% | 116 |
| Credit loss provision to net charge-offs | 176.0342% | 2,092 |
| Earnings coverage of net charge-offs (x) | -0.3187% | 6,256 |
| Efficiency ratio | 149.2598% | 208 |
| Assets per employee ($millions) | 5.2865% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5003% | 88 |
| Loan loss allowance to noncurrent loans | 101.9160% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 9.4923% | 445 |
| Noncurrent loans to loans | 6.3781% | 945 |
| Net loans and leases to total assets | 61.1588% | 4,689 |
| Net loans and leases to deposits | 77.0781% | 3,993 |
| Net loans and leases to core deposits | 86.1094% | 3,635 |
| Total domestic deposits to total assets | 79.3465% | 5,917 |
| Equity capital to assets | 4.9323% | 7,587 |
| Core capital (leverage) ratio | 4.5531% | 7,591 |
| Tier 1 risk-based capital ratio | 6.5635% | 7,577 |
| Total risk-based capital ratio | 7.8708% | 7,578 |
| Memoranda: | ||
| Average total assets | $173,716,250 | 3,517 |
| Average earning assets | $155,387,250 | 3,585 |
| Average equity | $13,805,750 | 4,248 |
| Average total loans | $113,043,250 | 3,526 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6021% | 6,457 |
| Cost of funding earning assets | 2.3112% | 327 |
| Net interest margin | 2.2910% | 7,539 |
| Noninterest income to average assets | 0.2192% | 6,344 |
| Noninterest expense to average assets | 2.6600% | 5,080 |
| Loan and lease loss provision to assets | 3.6826% | 228 |
| Net operating income to assets | -2.4468% | 7,404 |
| Return on assets (ROA) | -2.4114% | 7,410 |
| Pretax return on assets | -4.0182% | 7,604 |
| Return on Equity (ROE) | -27.1617% | 7,396 |
| Retained earnings to average equity (ytd only) | -27.1617% | 7,382 |
| Net charge-offs to loans | 1.3149% | 1,444 |
| Credit loss provision to net charge-offs | 431.0847% | 839 |
| Earnings coverage of net charge-offs (x) | -0.4577% | 6,003 |
| Efficiency ratio | 117.2311% | 448 |
| Assets per employee ($millions) | 5.4642% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1478% | 156 |
| Loan loss allowance to noncurrent loans | 95.6826% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 9.1184% | 486 |
| Noncurrent loans to loans | 5.3800% | 1,236 |
| Net loans and leases to total assets | 60.4873% | 4,967 |
| Net loans and leases to deposits | 78.6521% | 3,857 |
| Net loans and leases to core deposits | 89.9607% | 3,276 |
| Total domestic deposits to total assets | 76.9049% | 6,528 |
| Equity capital to assets | 8.3881% | 6,316 |
| Core capital (leverage) ratio | 8.0938% | 6,132 |
| Tier 1 risk-based capital ratio | 12.3042% | 5,037 |
| Total risk-based capital ratio | 13.5702% | 5,001 |
| Memoranda: | ||
| Average total assets | $176,995,000 | 3,485 |
| Average earning assets | $158,361,330 | 3,544 |
| Average equity | $15,713,330 | 3,853 |
| Average total loans | $114,992,670 | 3,511 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8015% | 5,885 |
| Cost of funding earning assets | 2.3299% | 392 |
| Net interest margin | 2.4715% | 7,492 |
| Noninterest income to average assets | 0.2561% | 6,099 |
| Noninterest expense to average assets | 2.9809% | 3,747 |
| Loan and lease loss provision to assets | 1.5567% | 745 |
| Net operating income to assets | -1.2314% | 7,232 |
| Return on assets (ROA) | -1.1681% | 7,218 |
| Pretax return on assets | -1.9476% | 7,399 |
| Return on Equity (ROE) | -12.8106% | 7,249 |
| Retained earnings to average equity (ytd only) | -12.8106% | 7,111 |
| Net charge-offs to loans | 0.2467% | 3,467 |
| Credit loss provision to net charge-offs | 962.5000% | 483 |
| Earnings coverage of net charge-offs (x) | -3.0278% | 5,500 |
| Efficiency ratio | 119.6573% | 444 |
| Assets per employee ($millions) | 5.5963% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4519% | 565 |
| Loan loss allowance to noncurrent loans | 60.8134% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 10.2088% | 385 |
| Noncurrent loans to loans | 5.6762% | 1,201 |
| Net loans and leases to total assets | 60.2554% | 5,079 |
| Net loans and leases to deposits | 78.7371% | 3,895 |
| Net loans and leases to core deposits | 92.7609% | 3,007 |
| Total domestic deposits to total assets | 76.5274% | 6,658 |
| Equity capital to assets | 8.9993% | 5,280 |
| Core capital (leverage) ratio | 8.9203% | 4,698 |
| Tier 1 risk-based capital ratio | 12.0979% | 5,092 |
| Total risk-based capital ratio | 13.3684% | 5,036 |
| Memoranda: | ||
| Average total assets | $178,065,000 | 3,522 |
| Average earning assets | $161,034,000 | 3,544 |
| Average equity | $16,236,500 | 3,791 |
| Average total loans | $116,736,500 | 3,525 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7756% | 2,763 |
| Cost of funding earning assets | 2.7979% | 448 |
| Net interest margin | 2.9777% | 6,703 |
| Noninterest income to average assets | 0.2365% | 6,407 |
| Noninterest expense to average assets | 1.9718% | 7,406 |
| Loan and lease loss provision to assets | 3.1844% | 515 |
| Net operating income to assets | -1.3242% | 6,776 |
| Return on assets (ROA) | -1.1899% | 6,701 |
| Pretax return on assets | -1.8878% | 6,896 |
| Return on Equity (ROE) | -11.9577% | 6,763 |
| Retained earnings to average equity (ytd only) | -11.9577% | 6,678 |
| Net charge-offs to loans | 2.7382% | 822 |
| Credit loss provision to net charge-offs | 160.5963% | 2,773 |
| Earnings coverage of net charge-offs (x) | 0.5481% | 5,560 |
| Efficiency ratio | 64.4684% | 5,685 |
| Assets per employee ($millions) | 5.9016% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6596% | 1,060 |
| Loan loss allowance to noncurrent loans | 78.3777% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 5.2624% | 1,126 |
| Noncurrent loans to loans | 3.3933% | 2,252 |
| Net loans and leases to total assets | 66.9148% | 3,947 |
| Net loans and leases to deposits | 87.7213% | 2,605 |
| Net loans and leases to core deposits | 140.4113% | 795 |
| Total domestic deposits to total assets | 76.2811% | 6,624 |
| Equity capital to assets | 9.2387% | 4,788 |
| Core capital (leverage) ratio | 8.9592% | 4,493 |
| Tier 1 risk-based capital ratio | 11.7359% | 5,163 |
| Total risk-based capital ratio | 13.0006% | 5,114 |
| Memoranda: | ||
| Average total assets | $172,530,200 | 3,564 |
| Average earning assets | $163,515,200 | 3,452 |
| Average equity | $17,168,800 | 3,642 |
| Average total loans | $124,936,000 | 3,376 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7963% | 2,915 |
| Cost of funding earning assets | 2.8643% | 511 |
| Net interest margin | 2.9320% | 6,772 |
| Noninterest income to average assets | 0.2318% | 6,568 |
| Noninterest expense to average assets | 1.9043% | 7,540 |
| Loan and lease loss provision to assets | 0.5819% | 3,060 |
| Net operating income to assets | 0.3205% | 4,719 |
| Return on assets (ROA) | 0.3897% | 4,539 |
| Pretax return on assets | 0.6495% | 4,021 |
| Return on Equity (ROE) | 3.8452% | 4,441 |
| Retained earnings to average equity (ytd only) | 3.8452% | 3,142 |
| Net charge-offs to loans | 0.3255% | 4,012 |
| Credit loss provision to net charge-offs | 243.6482% | 1,784 |
| Earnings coverage of net charge-offs (x) | 4.7036% | 3,034 |
| Efficiency ratio | 62.8983% | 5,947 |
| Assets per employee ($millions) | 6.0747% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 4,711 |
| Loan loss allowance to noncurrent loans | 16.7659% | 7,251 |
| Noncurrent assets plus other real estate owned to assets | 5.0834% | 1,150 |
| Noncurrent loans to loans | 7.5552% | 677 |
| Net loans and leases to total assets | 66.4316% | 4,325 |
| Net loans and leases to deposits | 86.2969% | 3,255 |
| Net loans and leases to core deposits | 129.4663% | 1,466 |
| Total domestic deposits to total assets | 76.9803% | 6,339 |
| Equity capital to assets | 9.3332% | 4,978 |
| Core capital (leverage) ratio | 9.4941% | 3,914 |
| Tier 1 risk-based capital ratio | 12.1229% | 4,860 |
| Total risk-based capital ratio | 13.2355% | 4,927 |
| Memoranda: | ||
| Average total assets | $171,400,500 | 3,603 |
| Average earning assets | $163,432,750 | 3,485 |
| Average equity | $17,371,750 | 3,634 |
| Average total loans | $125,742,750 | 3,389 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9431% | 2,407 |
| Cost of funding earning assets | 2.8804% | 637 |
| Net interest margin | 3.0626% | 6,358 |
| Noninterest income to average assets | 0.2365% | 6,590 |
| Noninterest expense to average assets | 1.9570% | 7,541 |
| Loan and lease loss provision to assets | 0.5104% | 2,984 |
| Net operating income to assets | 0.4259% | 4,398 |
| Return on assets (ROA) | 0.4259% | 4,510 |
| Pretax return on assets | 0.7095% | 3,966 |
| Return on Equity (ROE) | 4.0801% | 4,464 |
| Retained earnings to average equity (ytd only) | 4.0801% | 3,021 |
| Net charge-offs to loans | 0.4895% | 2,869 |
| Credit loss provision to net charge-offs | 137.7850% | 3,391 |
| Earnings coverage of net charge-offs (x) | 3.2932% | 3,500 |
| Efficiency ratio | 61.6027% | 6,299 |
| Assets per employee ($millions) | 5.4474% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 6,254 |
| Loan loss allowance to noncurrent loans | 32.0882% | 6,326 |
| Noncurrent assets plus other real estate owned to assets | 2.3622% | 2,753 |
| Noncurrent loans to loans | 3.1141% | 2,297 |
| Net loans and leases to total assets | 75.0968% | 2,417 |
| Net loans and leases to deposits | 100.8557% | 1,189 |
| Net loans and leases to core deposits | 162.6034% | 410 |
| Total domestic deposits to total assets | 74.4596% | 6,873 |
| Equity capital to assets | 10.2558% | 3,662 |
| Core capital (leverage) ratio | 10.2648% | 3,027 |
| Tier 1 risk-based capital ratio | 12.2023% | 4,750 |
| Total risk-based capital ratio | 13.1031% | 4,959 |
| Memoranda: | ||
| Average total assets | $165,761,670 | 3,710 |
| Average earning assets | $159,143,670 | 3,575 |
| Average equity | $17,303,670 | 3,662 |
| Average total loans | $125,421,330 | 3,434 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9601% | 2,525 |
| Cost of funding earning assets | 2.8252% | 925 |
| Net interest margin | 3.1349% | 6,087 |
| Noninterest income to average assets | 0.2460% | 6,491 |
| Noninterest expense to average assets | 2.0048% | 7,340 |
| Loan and lease loss provision to assets | 0.6431% | 1,965 |
| Net operating income to assets | 0.3654% | 4,990 |
| Return on assets (ROA) | 0.3654% | 5,175 |
| Pretax return on assets | 0.6065% | 4,736 |
| Return on Equity (ROE) | 3.4690% | 5,182 |
| Retained earnings to average equity (ytd only) | 3.4690% | 3,964 |
| Net charge-offs to loans | 0.8575% | 1,526 |
| Credit loss provision to net charge-offs | 99.2481% | 3,819 |
| Earnings coverage of net charge-offs (x) | 1.9286% | 3,752 |
| Efficiency ratio | 61.6018% | 6,128 |
| Assets per employee ($millions) | 5.7122% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9277% | 6,616 |
| Loan loss allowance to noncurrent loans | 52.6745% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 1.3317% | 3,998 |
| Noncurrent loans to loans | 1.7611% | 3,626 |
| Net loans and leases to total assets | 74.9140% | 2,523 |
| Net loans and leases to deposits | 105.7305% | 889 |
| Net loans and leases to core deposits | 169.5583% | 353 |
| Total domestic deposits to total assets | 70.8537% | 7,343 |
| Equity capital to assets | 10.4652% | 3,493 |
| Core capital (leverage) ratio | 10.5232% | 2,895 |
| Tier 1 risk-based capital ratio | 12.0093% | 4,956 |
| Total risk-based capital ratio | 12.8236% | 5,237 |
| Memoranda: | ||
| Average total assets | $164,207,500 | 3,759 |
| Average earning assets | $157,582,500 | 3,620 |
| Average equity | $17,296,000 | 3,677 |
| Average total loans | $124,084,000 | 3,484 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0276% | 1,055 |
| Cost of funding earning assets | 3.2854% | 966 |
| Net interest margin | 3.7422% | 4,264 |
| Noninterest income to average assets | 0.3219% | 6,150 |
| Noninterest expense to average assets | 2.1709% | 7,051 |
| Loan and lease loss provision to assets | 0.3466% | 3,626 |
| Net operating income to assets | 0.8299% | 3,308 |
| Return on assets (ROA) | 0.8740% | 2,965 |
| Pretax return on assets | 1.4567% | 1,801 |
| Return on Equity (ROE) | 7.2443% | 3,405 |
| Retained earnings to average equity (ytd only) | 7.2383% | 1,075 |
| Net charge-offs to loans | 0.0346% | 6,325 |
| Credit loss provision to net charge-offs | 1,402.9412% | 323 |
| Earnings coverage of net charge-offs (x) | 70.2059% | 581 |
| Efficiency ratio | 55.5907% | 7,075 |
| Assets per employee ($millions) | 5.6124% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0831% | 4,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 6,411 |
| Loan loss allowance to noncurrent loans | 85.2747% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 0.8387% | 4,750 |
| Noncurrent loans to loans | 1.1106% | 4,328 |
| Net loans and leases to total assets | 74.7992% | 2,923 |
| Net loans and leases to deposits | 116.2511% | 513 |
| Net loans and leases to core deposits | 178.1941% | 310 |
| Total domestic deposits to total assets | 64.3428% | 7,769 |
| Equity capital to assets | 10.6020% | 3,385 |
| Core capital (leverage) ratio | 10.6468% | 2,863 |
| Tier 1 risk-based capital ratio | 12.2956% | 4,587 |
| Total risk-based capital ratio | 13.1381% | 4,814 |
| Memoranda: | ||
| Average total assets | $137,635,600 | 4,129 |
| Average earning assets | $131,794,400 | 4,018 |
| Average equity | $16,606,200 | 3,807 |
| Average total loans | $98,317,600 | 3,997 |