Home > Global Trust Bank > Performance and Condition Ratios
Global Trust 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 | 4.7624% | 4,178 |
| Cost of funding earning assets | 1.0129% | 3,590 |
| Net interest margin | 3.7495% | 4,110 |
| Noninterest income to average assets | 0.0370% | 6,994 |
| Noninterest expense to average assets | 4.1964% | 801 |
| Loan and lease loss provision to assets | 0.2822% | 3,266 |
| Net operating income to assets | -0.9137% | 6,850 |
| Return on assets (ROA) | -0.9137% | 6,886 |
| Pretax return on assets | -0.9155% | 6,839 |
| Return on Equity (ROE) | -4.4163% | 6,649 |
| Retained earnings to average equity (ytd only) | -4.4163% | 6,550 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.7723% | 328 |
| Assets per employee ($millions) | 6.6655% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6559% | 3,426 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 65.3876% | 3,036 |
| Net loans and leases to deposits | 80.0133% | 2,651 |
| Net loans and leases to core deposits | 96.6234% | 1,540 |
| Total domestic deposits to total assets | 81.7209% | 5,188 |
| Equity capital to assets | 17.9779% | 391 |
| Core capital (leverage) ratio | 18.4552% | 289 |
| Tier 1 risk-based capital ratio | 24.3894% | 971 |
| Total risk-based capital ratio | 25.6419% | 956 |
| Memoranda: | ||
| Average total assets | $75,587,500 | 5,626 |
| Average earning assets | $71,082,750 | 5,547 |
| Average equity | $15,638,500 | 3,798 |
| Average total loans | $48,959,250 | 5,348 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6131% | 4,914 |
| Cost of funding earning assets | 0.9790% | 4,101 |
| Net interest margin | 3.6341% | 4,586 |
| Noninterest income to average assets | 0.0028% | 7,181 |
| Noninterest expense to average assets | 4.7817% | 444 |
| Loan and lease loss provision to assets | 0.4200% | 2,335 |
| Net operating income to assets | -1.7886% | 7,158 |
| Return on assets (ROA) | -1.7886% | 7,164 |
| Pretax return on assets | -1.7914% | 7,131 |
| Return on Equity (ROE) | -8.2127% | 6,876 |
| Retained earnings to average equity (ytd only) | -8.2127% | 6,789 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.2121% | 197 |
| Assets per employee ($millions) | 5.5096% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7141% | 3,282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 70.2492% | 2,169 |
| Net loans and leases to deposits | 88.1245% | 1,482 |
| Net loans and leases to core deposits | 104.0758% | 1,040 |
| Total domestic deposits to total assets | 79.7158% | 5,897 |
| Equity capital to assets | 20.0054% | 258 |
| Core capital (leverage) ratio | 20.5601% | 199 |
| Tier 1 risk-based capital ratio | 26.2978% | 787 |
| Total risk-based capital ratio | 27.5009% | 775 |
| Memoranda: | ||
| Average total assets | $71,899,670 | 5,783 |
| Average earning assets | $67,416,330 | 5,715 |
| Average equity | $15,658,670 | 3,792 |
| Average total loans | $46,074,670 | 5,521 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2785% | 6,066 |
| Cost of funding earning assets | 0.9556% | 4,528 |
| Net interest margin | 3.3229% | 5,699 |
| Noninterest income to average assets | -0.0520% | 7,356 |
| Noninterest expense to average assets | 5.1846% | 312 |
| Loan and lease loss provision to assets | 0.8718% | 936 |
| Net operating income to assets | -2.9907% | 7,394 |
| Return on assets (ROA) | -2.9907% | 7,398 |
| Pretax return on assets | -2.9964% | 7,375 |
| Return on Equity (ROE) | -13.1368% | 7,103 |
| Retained earnings to average equity (ytd only) | -13.1368% | 6,978 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 169.4340% | 95 |
| Assets per employee ($millions) | 4.2932% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0681% | 2,253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 61.3134% | 4,007 |
| Net loans and leases to deposits | 78.1860% | 3,031 |
| Net loans and leases to core deposits | 90.1089% | 2,334 |
| Total domestic deposits to total assets | 78.4199% | 6,314 |
| Equity capital to assets | 21.2759% | 193 |
| Core capital (leverage) ratio | 22.4585% | 152 |
| Tier 1 risk-based capital ratio | 31.2001% | 467 |
| Total risk-based capital ratio | 32.4660% | 456 |
| Memoranda: | ||
| Average total assets | $69,282,500 | 5,887 |
| Average earning assets | $64,882,500 | 5,829 |
| Average equity | $15,772,500 | 3,756 |
| Average total loans | $41,546,500 | 5,786 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 6,683 |
| Cost of funding earning assets | 1.2374% | 4,307 |
| Net interest margin | 3.1272% | 6,445 |
| Noninterest income to average assets | 0.6568% | 3,107 |
| Noninterest expense to average assets | 5.6136% | 280 |
| Loan and lease loss provision to assets | 0.4972% | 3,171 |
| Net operating income to assets | -2.5956% | 7,206 |
| Return on assets (ROA) | -2.5956% | 7,224 |
| Pretax return on assets | -2.5923% | 7,195 |
| Return on Equity (ROE) | -9.3396% | 6,701 |
| Retained earnings to average equity (ytd only) | -9.3396% | 6,627 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.5463% | 166 |
| Assets per employee ($millions) | 4.0988% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1231% | 2,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 55.8165% | 5,371 |
| Net loans and leases to deposits | 74.1487% | 4,168 |
| Net loans and leases to core deposits | 83.0893% | 3,736 |
| Total domestic deposits to total assets | 75.2764% | 6,733 |
| Equity capital to assets | 24.4232% | 130 |
| Core capital (leverage) ratio | 25.2391% | 122 |
| Tier 1 risk-based capital ratio | 37.9757% | 277 |
| Total risk-based capital ratio | 39.2323% | 270 |
| Memoranda: | ||
| Average total assets | $60,139,800 | 6,195 |
| Average earning assets | $55,032,600 | 6,172 |
| Average equity | $16,713,800 | 3,646 |
| Average total loans | $29,521,400 | 6,419 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3657% | 6,868 |
| Cost of funding earning assets | 1.3473% | 3,917 |
| Net interest margin | 3.0184% | 6,795 |
| Noninterest income to average assets | 0.8257% | 2,099 |
| Noninterest expense to average assets | 5.7456% | 241 |
| Loan and lease loss provision to assets | 0.3108% | 4,093 |
| Net operating income to assets | -2.4861% | 7,346 |
| Return on assets (ROA) | -2.4861% | 7,359 |
| Pretax return on assets | -2.4815% | 7,312 |
| Return on Equity (ROE) | -8.6529% | 6,866 |
| Retained earnings to average equity (ytd only) | -8.6529% | 6,809 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 160.7234% | 165 |
| Assets per employee ($millions) | 3.4998% | 4,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0964% | 2,005 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 49.6075% | 6,360 |
| Net loans and leases to deposits | 69.4128% | 5,225 |
| Net loans and leases to core deposits | 78.2310% | 4,778 |
| Total domestic deposits to total assets | 71.4675% | 7,182 |
| Equity capital to assets | 27.6501% | 103 |
| Core capital (leverage) ratio | 25.7719% | 117 |
| Tier 1 risk-based capital ratio | 45.2398% | 175 |
| Total risk-based capital ratio | 46.2738% | 177 |
| Memoranda: | ||
| Average total assets | $58,779,500 | 6,313 |
| Average earning assets | $53,537,500 | 6,297 |
| Average equity | $16,888,000 | 3,658 |
| Average total loans | $27,552,000 | 6,613 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1684% | 7,212 |
| Cost of funding earning assets | 1.1985% | 5,138 |
| Net interest margin | 2.9699% | 6,899 |
| Noninterest income to average assets | 0.0649% | 7,259 |
| Noninterest expense to average assets | 5.5927% | 259 |
| Loan and lease loss provision to assets | 0.1674% | 5,205 |
| Net operating income to assets | -3.0099% | 7,514 |
| Return on assets (ROA) | -3.0099% | 7,518 |
| Pretax return on assets | -3.0031% | 7,466 |
| Return on Equity (ROE) | -10.3442% | 6,979 |
| Retained earnings to average equity (ytd only) | -10.3442% | 6,930 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 202.8501% | 93 |
| Assets per employee ($millions) | 4.3700% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7327% | 2,957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 47.0664% | 6,701 |
| Net loans and leases to deposits | 71.5724% | 5,060 |
| Net loans and leases to core deposits | 80.4758% | 4,638 |
| Total domestic deposits to total assets | 65.7605% | 7,537 |
| Equity capital to assets | 25.4020% | 131 |
| Core capital (leverage) ratio | 27.2226% | 102 |
| Tier 1 risk-based capital ratio | 42.9548% | 204 |
| Total risk-based capital ratio | 43.9712% | 204 |
| Memoranda: | ||
| Average total assets | $58,540,330 | 6,369 |
| Average earning assets | $53,065,670 | 6,360 |
| Average equity | $17,033,670 | 3,627 |
| Average total loans | $26,687,000 | 6,712 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1140% | 7,366 |
| Cost of funding earning assets | 1.2081% | 5,359 |
| Net interest margin | 2.9059% | 7,010 |
| Noninterest income to average assets | 0.0509% | 7,461 |
| Noninterest expense to average assets | 5.9453% | 224 |
| Loan and lease loss provision to assets | 0.3343% | 3,389 |
| Net operating income to assets | -3.6413% | 7,691 |
| Return on assets (ROA) | -3.6413% | 7,693 |
| Pretax return on assets | -3.6413% | 7,654 |
| Return on Equity (ROE) | -11.6343% | 7,194 |
| Retained earnings to average equity (ytd only) | -11.6343% | 7,048 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 225.3444% | 79 |
| Assets per employee ($millions) | 3.6529% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1717% | 1,811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 41.6959% | 7,143 |
| Net loans and leases to deposits | 59.0516% | 6,550 |
| Net loans and leases to core deposits | 66.2714% | 6,264 |
| Total domestic deposits to total assets | 70.6093% | 7,372 |
| Equity capital to assets | 29.0742% | 92 |
| Core capital (leverage) ratio | 30.8717% | 82 |
| Tier 1 risk-based capital ratio | 51.8253% | 147 |
| Total risk-based capital ratio | 52.7738% | 145 |
| Memoranda: | ||
| Average total assets | $55,035,500 | 6,569 |
| Average earning assets | $49,003,500 | 6,589 |
| Average equity | $17,225,000 | 3,619 |
| Average total loans | $24,332,500 | 6,920 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0970% | 7,870 |
| Cost of funding earning assets | 0.9552% | 7,295 |
| Net interest margin | 2.1419% | 7,678 |
| Noninterest income to average assets | 1.5188% | 621 |
| Noninterest expense to average assets | 8.9246% | 113 |
| Loan and lease loss provision to assets | 1.3741% | 1,675 |
| Net operating income to assets | -6.8591% | 7,886 |
| Return on assets (ROA) | -6.8591% | 7,881 |
| Pretax return on assets | -6.8533% | 7,857 |
| Return on Equity (ROE) | -12.8381% | 6,820 |
| Retained earnings to average equity (ytd only) | -12.8381% | 6,744 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 259.0260% | 79 |
| Assets per employee ($millions) | 3.4416% | 5,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0839% | 1,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 45.0546% | 7,052 |
| Net loans and leases to deposits | 68.5985% | 5,765 |
| Net loans and leases to core deposits | 128.4815% | 1,366 |
| Total domestic deposits to total assets | 65.6788% | 7,654 |
| Equity capital to assets | 33.8157% | 83 |
| Core capital (leverage) ratio | 41.5851% | 64 |
| Tier 1 risk-based capital ratio | 53.2453% | 141 |
| Total risk-based capital ratio | 54.2274% | 141 |
| Memoranda: | ||
| Average total assets | $34,567,200 | 7,299 |
| Average earning assets | $31,094,200 | 7,308 |
| Average equity | $18,468,400 | 3,429 |
| Average total loans | $12,144,400 | 7,593 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5020% | 8,011 |
| Cost of funding earning assets | 0.9340% | 7,508 |
| Net interest margin | 1.5680% | 7,939 |
| Noninterest income to average assets | 0.6908% | 3,081 |
| Noninterest expense to average assets | 9.8162% | 105 |
| Loan and lease loss provision to assets | 1.1748% | 1,648 |
| Net operating income to assets | -8.8834% | 8,026 |
| Return on assets (ROA) | -8.8834% | 8,026 |
| Pretax return on assets | -8.8746% | 8,022 |
| Return on Equity (ROE) | -14.3790% | 7,158 |
| Retained earnings to average equity (ytd only) | -14.3790% | 7,096 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 463.8254% | 34 |
| Assets per employee ($millions) | 2.8455% | 6,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 3,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 50.9164% | 6,705 |
| Net loans and leases to deposits | 98.6229% | 1,251 |
| Net loans and leases to core deposits | 138.0359% | 1,010 |
| Total domestic deposits to total assets | 51.6274% | 7,964 |
| Equity capital to assets | 48.0455% | 57 |
| Core capital (leverage) ratio | 49.0222% | 58 |
| Tier 1 risk-based capital ratio | 79.3721% | 75 |
| Total risk-based capital ratio | 80.6225% | 74 |
| Memoranda: | ||
| Average total assets | $30,303,000 | 7,526 |
| Average earning assets | $27,551,000 | 7,513 |
| Average equity | $18,721,250 | 3,413 |
| Average total loans | $9,242,000 | 7,808 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8998% | 8,130 |
| Cost of funding earning assets | 0.8153% | 7,802 |
| Net interest margin | 1.0845% | 8,089 |
| Noninterest income to average assets | 0.0071% | 7,920 |
| Noninterest expense to average assets | 10.1520% | 110 |
| Loan and lease loss provision to assets | 0.9974% | 1,687 |
| Net operating income to assets | -10.1520% | 8,127 |
| Return on assets (ROA) | -10.1520% | 8,123 |
| Pretax return on assets | -10.1377% | 8,107 |
| Return on Equity (ROE) | -14.9706% | 7,326 |
| Retained earnings to average equity (ytd only) | -14.9706% | 7,235 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,003.5211% | 23 |
| Assets per employee ($millions) | 2.2821% | 7,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 4,311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 35.6870% | 7,716 |
| Net loans and leases to deposits | 77.3018% | 4,976 |
| Net loans and leases to core deposits | 163.1410% | 400 |
| Total domestic deposits to total assets | 46.1658% | 8,079 |
| Equity capital to assets | 53.5538% | 59 |
| Core capital (leverage) ratio | 58.0549% | 51 |
| Tier 1 risk-based capital ratio | 95.2757% | 70 |
| Total risk-based capital ratio | 96.1073% | 70 |
| Memoranda: | ||
| Average total assets | $28,073,330 | 7,677 |
| Average earning assets | $26,003,330 | 7,642 |
| Average equity | $19,037,330 | 3,384 |
| Average total loans | $5,948,670 | 8,029 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8896% | 8,188 |
| Cost of funding earning assets | 0.5230% | 8,091 |
| Net interest margin | 1.3666% | 8,094 |
| Noninterest income to average assets | 0.0160% | 7,993 |
| Noninterest expense to average assets | 10.9944% | 97 |
| Loan and lease loss provision to assets | 0.5601% | 2,238 |
| Net operating income to assets | -10.2743% | 8,174 |
| Return on assets (ROA) | -10.2743% | 8,168 |
| Pretax return on assets | -10.2423% | 8,157 |
| Return on Equity (ROE) | -13.2439% | 7,531 |
| Retained earnings to average equity (ytd only) | -13.2439% | 7,340 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 837.8049% | 24 |
| Assets per employee ($millions) | 2.3757% | 7,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4172% | 3,409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 13.4208% | 8,144 |
| Net loans and leases to deposits | 40.9636% | 7,813 |
| Net loans and leases to core deposits | 114.6882% | 2,938 |
| Total domestic deposits to total assets | 32.7627% | 8,165 |
| Equity capital to assets | 66.9391% | 45 |
| Core capital (leverage) ratio | 76.5617% | 35 |
| Tier 1 risk-based capital ratio | 142.7086% | 54 |
| Total risk-based capital ratio | 143.1200% | 54 |
| Memoranda: | ||
| Average total assets | $24,994,500 | 7,831 |
| Average earning assets | $23,708,500 | 7,780 |
| Average equity | $19,390,000 | 3,366 |
| Average total loans | $2,735,000 | 8,169 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1093% | 8,295 |
| Cost of funding earning assets | 0.0099% | 8,287 |
| Net interest margin | 0.0993% | 8,292 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 2.5232% | 5,919 |
| Loan and lease loss provision to assets | 0.0931% | 6,199 |
| Net operating income to assets | -2.5232% | 7,715 |
| Return on assets (ROA) | -2.5232% | 7,685 |
| Pretax return on assets | -2.5232% | 7,598 |
| Return on Equity (ROE) | -2.7517% | 6,590 |
| Retained earnings to average equity (ytd only) | -2.7517% | 6,043 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,710.0000% | 3 |
| Assets per employee ($millions) | 2.1481% | 7,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 4,061 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 7.3041% | 8,222 |
| Net loans and leases to deposits | 91.4336% | 3,228 |
| Net loans and leases to core deposits | 97.0916% | 5,143 |
| Total domestic deposits to total assets | 7.9885% | 8,269 |
| Equity capital to assets | 91.6950% | 9 |
| Core capital (leverage) ratio | 278.5997% | 1 |
| Tier 1 risk-based capital ratio | 313.6964% | 24 |
| Total risk-based capital ratio | 314.0150% | 24 |
| Memoranda: | ||
| Average total assets | $21,481,000 | 7,971 |
| Average earning assets | $20,133,000 | 7,932 |
| Average equity | $19,697,000 | 3,276 |
| Average total loans | $1,589,000 | 8,237 |