Home > Great Eastern Bank of Florida > Performance and Condition Ratios
Great Eastern Bank of Florida, Performance and Condition Ratios
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5625% | 1,940 |
| Cost of funding earning assets | 0.2401% | 6,350 |
| Net interest margin | 4.3224% | 925 |
| Noninterest income to average assets | 0.6917% | 2,637 |
| Noninterest expense to average assets | 7.4426% | 133 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -2.8720% | 6,958 |
| Return on assets (ROA) | -2.8720% | 6,961 |
| Pretax return on assets | -2.8107% | 6,954 |
| Return on Equity (ROE) | -26.1198% | 6,924 |
| Retained earnings to average equity (ytd only) | -26.1198% | 6,882 |
| Net charge-offs to loans | -0.0242% | 5,807 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 160.6805% | 71 |
| Assets per employee ($millions) | 2.6822% | 6,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9546% | 2,163 |
| Loan loss allowance to noncurrent loans | 217.4061% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 7.0200% | 398 |
| Noncurrent loans to loans | 0.8990% | 4,339 |
| Net loans and leases to total assets | 70.0754% | 1,644 |
| Net loans and leases to deposits | 80.3809% | 2,031 |
| Net loans and leases to core deposits | 87.9739% | 1,911 |
| Total domestic deposits to total assets | 87.1793% | 2,850 |
| Equity capital to assets | 10.6430% | 3,386 |
| Core capital (leverage) ratio | 10.1962% | 3,155 |
| Tier 1 risk-based capital ratio | 12.9730% | 5,245 |
| Total risk-based capital ratio | 14.2307% | 5,183 |
| Memoranda: | ||
| Average total assets | $45,683,000 | 6,300 |
| Average earning assets | $41,643,500 | 6,294 |
| Average equity | $5,023,000 | 6,235 |
| Average total loans | $33,103,500 | 5,745 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5633% | 3,157 |
| Cost of funding earning assets | 0.4798% | 5,353 |
| Net interest margin | 4.0835% | 2,071 |
| Noninterest income to average assets | 0.7408% | 2,539 |
| Noninterest expense to average assets | 5.4621% | 276 |
| Loan and lease loss provision to assets | 0.2111% | 3,035 |
| Net operating income to assets | -1.1828% | 6,792 |
| Return on assets (ROA) | -1.1828% | 6,801 |
| Pretax return on assets | -1.1529% | 6,773 |
| Return on Equity (ROE) | -10.9135% | 6,745 |
| Retained earnings to average equity (ytd only) | -10.9135% | 6,668 |
| Net charge-offs to loans | 1.1015% | 955 |
| Credit loss provision to net charge-offs | 26.3682% | 5,179 |
| Earnings coverage of net charge-offs (x) | -1.1766% | 5,772 |
| Efficiency ratio | 120.8370% | 205 |
| Assets per employee ($millions) | 2.5427% | 6,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8889% | 2,324 |
| Loan loss allowance to noncurrent loans | 216.7235% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 6.9940% | 441 |
| Noncurrent loans to loans | 0.8716% | 4,437 |
| Net loans and leases to total assets | 72.0635% | 1,479 |
| Net loans and leases to deposits | 83.6767% | 1,793 |
| Net loans and leases to core deposits | 91.0904% | 1,715 |
| Total domestic deposits to total assets | 86.1213% | 3,288 |
| Equity capital to assets | 11.3464% | 2,586 |
| Core capital (leverage) ratio | 10.5546% | 2,699 |
| Tier 1 risk-based capital ratio | 13.4190% | 4,811 |
| Total risk-based capital ratio | 14.6755% | 4,761 |
| Memoranda: | ||
| Average total assets | $50,219,200 | 6,208 |
| Average earning assets | $46,479,400 | 6,163 |
| Average equity | $5,442,800 | 6,167 |
| Average total loans | $36,495,000 | 5,660 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4841% | 3,703 |
| Cost of funding earning assets | 0.5315% | 5,232 |
| Net interest margin | 3.9526% | 2,692 |
| Noninterest income to average assets | 0.5221% | 3,792 |
| Noninterest expense to average assets | 5.4312% | 279 |
| Loan and lease loss provision to assets | 0.1065% | 4,235 |
| Net operating income to assets | -1.3585% | 6,937 |
| Return on assets (ROA) | -1.3585% | 6,957 |
| Pretax return on assets | -1.3455% | 6,933 |
| Return on Equity (ROE) | -12.6665% | 6,900 |
| Retained earnings to average equity (ytd only) | -12.6665% | 6,869 |
| Net charge-offs to loans | -0.0251% | 6,545 |
| Credit loss provision to net charge-offs | -585.7143% | 6,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.5539% | 153 |
| Assets per employee ($millions) | 2.6646% | 6,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6698% | 1,008 |
| Loan loss allowance to noncurrent loans | 43.4046% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 7.5164% | 445 |
| Noncurrent loans to loans | 6.1510% | 648 |
| Net loans and leases to total assets | 74.0336% | 1,244 |
| Net loans and leases to deposits | 84.2900% | 1,832 |
| Net loans and leases to core deposits | 91.2263% | 1,854 |
| Total domestic deposits to total assets | 87.8320% | 2,147 |
| Equity capital to assets | 11.0087% | 3,270 |
| Core capital (leverage) ratio | 10.4062% | 3,033 |
| Tier 1 risk-based capital ratio | 13.1751% | 5,107 |
| Total risk-based capital ratio | 14.4403% | 5,068 |
| Memoranda: | ||
| Average total assets | $51,332,000 | 6,239 |
| Average earning assets | $47,663,500 | 6,207 |
| Average equity | $5,505,250 | 6,215 |
| Average total loans | $37,214,500 | 5,693 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4070% | 4,162 |
| Cost of funding earning assets | 0.5777% | 5,090 |
| Net interest margin | 3.8293% | 3,224 |
| Noninterest income to average assets | 0.9418% | 1,640 |
| Noninterest expense to average assets | 5.5895% | 256 |
| Loan and lease loss provision to assets | 0.1563% | 3,566 |
| Net operating income to assets | -1.2811% | 6,977 |
| Return on assets (ROA) | -1.2811% | 6,995 |
| Pretax return on assets | -1.2658% | 6,960 |
| Return on Equity (ROE) | -12.0423% | 6,943 |
| Retained earnings to average equity (ytd only) | -12.0423% | 6,889 |
| Net charge-offs to loans | -0.0214% | 6,444 |
| Credit loss provision to net charge-offs | -1,025.0000% | 6,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.7660% | 200 |
| Assets per employee ($millions) | 2.8180% | 6,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6081% | 1,139 |
| Loan loss allowance to noncurrent loans | 41.7275% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 7.5783% | 477 |
| Noncurrent loans to loans | 6.2503% | 689 |
| Net loans and leases to total assets | 71.4829% | 1,645 |
| Net loans and leases to deposits | 81.3164% | 2,191 |
| Net loans and leases to core deposits | 87.3038% | 2,278 |
| Total domestic deposits to total assets | 87.9071% | 2,205 |
| Equity capital to assets | 10.7799% | 3,362 |
| Core capital (leverage) ratio | 10.4881% | 2,815 |
| Tier 1 risk-based capital ratio | 13.3436% | 4,935 |
| Total risk-based capital ratio | 14.6102% | 4,884 |
| Memoranda: | ||
| Average total assets | $52,455,330 | 6,252 |
| Average earning assets | $48,468,330 | 6,219 |
| Average equity | $5,580,330 | 6,221 |
| Average total loans | $37,458,670 | 5,710 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3253% | 4,636 |
| Cost of funding earning assets | 0.6167% | 4,991 |
| Net interest margin | 3.7086% | 3,788 |
| Noninterest income to average assets | 0.5251% | 3,743 |
| Noninterest expense to average assets | 6.1664% | 189 |
| Loan and lease loss provision to assets | 0.3076% | 2,045 |
| Net operating income to assets | -2.5581% | 7,196 |
| Return on assets (ROA) | -2.5581% | 7,199 |
| Pretax return on assets | -2.5206% | 7,177 |
| Return on Equity (ROE) | -24.1994% | 7,139 |
| Retained earnings to average equity (ytd only) | -24.1994% | 7,091 |
| Net charge-offs to loans | -0.0213% | 6,203 |
| Credit loss provision to net charge-offs | -2,050.0000% | 6,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.9772% | 90 |
| Assets per employee ($millions) | 2.7076% | 6,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7090% | 1,107 |
| Loan loss allowance to noncurrent loans | 52.6630% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 7.9951% | 478 |
| Noncurrent loans to loans | 5.1440% | 1,072 |
| Net loans and leases to total assets | 67.6483% | 2,178 |
| Net loans and leases to deposits | 76.9900% | 2,679 |
| Net loans and leases to core deposits | 82.5647% | 2,752 |
| Total domestic deposits to total assets | 87.8664% | 2,413 |
| Equity capital to assets | 10.6154% | 3,363 |
| Core capital (leverage) ratio | 9.7180% | 3,747 |
| Tier 1 risk-based capital ratio | 13.5890% | 4,760 |
| Total risk-based capital ratio | 14.8545% | 4,734 |
| Memoranda: | ||
| Average total assets | $53,321,000 | 6,253 |
| Average earning assets | $49,291,000 | 6,229 |
| Average equity | $5,636,500 | 6,241 |
| Average total loans | $37,573,000 | 5,749 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1732% | 6,132 |
| Cost of funding earning assets | 0.7387% | 5,285 |
| Net interest margin | 3.4345% | 5,383 |
| Noninterest income to average assets | 0.4335% | 4,344 |
| Noninterest expense to average assets | 4.6361% | 509 |
| Loan and lease loss provision to assets | 1.9431% | 316 |
| Net operating income to assets | -2.7699% | 7,152 |
| Return on assets (ROA) | -2.7699% | 7,158 |
| Pretax return on assets | -2.9473% | 7,180 |
| Return on Equity (ROE) | -25.0325% | 7,045 |
| Retained earnings to average equity (ytd only) | -25.0325% | 7,035 |
| Net charge-offs to loans | 2.4726% | 475 |
| Credit loss provision to net charge-offs | 112.3911% | 2,939 |
| Earnings coverage of net charge-offs (x) | -0.5808% | 6,105 |
| Efficiency ratio | 127.6498% | 248 |
| Assets per employee ($millions) | 3.0666% | 5,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3517% | 1,541 |
| Loan loss allowance to noncurrent loans | 25.0406% | 6,431 |
| Noncurrent assets plus other real estate owned to assets | 8.6307% | 430 |
| Noncurrent loans to loans | 9.3915% | 362 |
| Net loans and leases to total assets | 69.6583% | 2,098 |
| Net loans and leases to deposits | 78.6331% | 2,739 |
| Net loans and leases to core deposits | 83.4147% | 2,969 |
| Total domestic deposits to total assets | 88.5865% | 1,794 |
| Equity capital to assets | 10.5294% | 3,503 |
| Core capital (leverage) ratio | 9.6132% | 3,847 |
| Tier 1 risk-based capital ratio | 13.3980% | 4,773 |
| Total risk-based capital ratio | 14.6603% | 4,732 |
| Memoranda: | ||
| Average total assets | $59,748,800 | 6,047 |
| Average earning assets | $55,640,800 | 5,999 |
| Average equity | $6,611,400 | 5,980 |
| Average total loans | $41,778,400 | 5,605 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2319% | 6,133 |
| Cost of funding earning assets | 0.7579% | 5,418 |
| Net interest margin | 3.4740% | 5,300 |
| Noninterest income to average assets | 0.3482% | 5,073 |
| Noninterest expense to average assets | 4.5460% | 558 |
| Loan and lease loss provision to assets | 2.3234% | 203 |
| Net operating income to assets | -3.2891% | 7,295 |
| Return on assets (ROA) | -3.2891% | 7,297 |
| Pretax return on assets | -3.2891% | 7,292 |
| Return on Equity (ROE) | -29.4017% | 7,192 |
| Retained earnings to average equity (ytd only) | -29.4017% | 7,185 |
| Net charge-offs to loans | 2.2747% | 527 |
| Credit loss provision to net charge-offs | 146.7497% | 2,143 |
| Earnings coverage of net charge-offs (x) | -0.6100% | 5,865 |
| Efficiency ratio | 126.9725% | 251 |
| Assets per employee ($millions) | 3.1395% | 5,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8693% | 960 |
| Loan loss allowance to noncurrent loans | 52.8126% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 7.6127% | 614 |
| Noncurrent loans to loans | 5.4329% | 1,099 |
| Net loans and leases to total assets | 64.4694% | 3,213 |
| Net loans and leases to deposits | 73.4903% | 3,725 |
| Net loans and leases to core deposits | 78.0341% | 3,909 |
| Total domestic deposits to total assets | 87.7251% | 2,217 |
| Equity capital to assets | 10.2397% | 4,032 |
| Core capital (leverage) ratio | 9.7670% | 3,747 |
| Tier 1 risk-based capital ratio | 13.5070% | 4,729 |
| Total risk-based capital ratio | 14.7741% | 4,686 |
| Memoranda: | ||
| Average total assets | $60,886,500 | 6,062 |
| Average earning assets | $56,648,000 | 6,009 |
| Average equity | $6,811,250 | 5,963 |
| Average total loans | $42,379,000 | 5,632 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2908% | 6,048 |
| Cost of funding earning assets | 0.7868% | 5,466 |
| Net interest margin | 3.5040% | 5,147 |
| Noninterest income to average assets | 0.2447% | 5,896 |
| Noninterest expense to average assets | 4.5352% | 572 |
| Loan and lease loss provision to assets | 1.9022% | 342 |
| Net operating income to assets | -2.9234% | 7,300 |
| Return on assets (ROA) | -2.9234% | 7,303 |
| Pretax return on assets | -2.9234% | 7,296 |
| Return on Equity (ROE) | -25.4341% | 7,198 |
| Retained earnings to average equity (ytd only) | -25.4341% | 7,188 |
| Net charge-offs to loans | 2.1982% | 586 |
| Credit loss provision to net charge-offs | 122.4790% | 2,486 |
| Earnings coverage of net charge-offs (x) | -0.6576% | 5,570 |
| Efficiency ratio | 129.0622% | 261 |
| Assets per employee ($millions) | 2.9926% | 6,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1933% | 1,930 |
| Loan loss allowance to noncurrent loans | 37.7871% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 6.8603% | 758 |
| Noncurrent loans to loans | 5.8044% | 1,051 |
| Net loans and leases to total assets | 67.4280% | 2,728 |
| Net loans and leases to deposits | 77.8987% | 3,135 |
| Net loans and leases to core deposits | 81.9831% | 3,501 |
| Total domestic deposits to total assets | 86.5585% | 3,007 |
| Equity capital to assets | 11.0957% | 2,860 |
| Core capital (leverage) ratio | 10.4344% | 2,780 |
| Tier 1 risk-based capital ratio | 14.4693% | 3,809 |
| Total risk-based capital ratio | 15.7298% | 3,775 |
| Memoranda: | ||
| Average total assets | $61,298,670 | 6,098 |
| Average earning assets | $57,192,330 | 6,051 |
| Average equity | $7,045,670 | 5,909 |
| Average total loans | $43,308,000 | 5,643 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2953% | 6,030 |
| Cost of funding earning assets | 0.8369% | 5,350 |
| Net interest margin | 3.4584% | 5,187 |
| Noninterest income to average assets | 0.7739% | 2,139 |
| Noninterest expense to average assets | 4.4629% | 617 |
| Loan and lease loss provision to assets | 1.8768% | 300 |
| Net operating income to assets | -2.3411% | 7,324 |
| Return on assets (ROA) | -2.3411% | 7,322 |
| Pretax return on assets | -2.3411% | 7,303 |
| Return on Equity (ROE) | -20.0331% | 7,221 |
| Retained earnings to average equity (ytd only) | -20.0331% | 7,157 |
| Net charge-offs to loans | 1.8587% | 693 |
| Credit loss provision to net charge-offs | 141.2621% | 1,992 |
| Earnings coverage of net charge-offs (x) | -0.3495% | 4,747 |
| Efficiency ratio | 111.6129% | 467 |
| Assets per employee ($millions) | 3.1379% | 5,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0046% | 2,409 |
| Loan loss allowance to noncurrent loans | 33.9354% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 7.1386% | 736 |
| Noncurrent loans to loans | 5.9072% | 1,083 |
| Net loans and leases to total assets | 68.7812% | 2,380 |
| Net loans and leases to deposits | 82.0986% | 2,347 |
| Net loans and leases to core deposits | 86.3248% | 2,827 |
| Total domestic deposits to total assets | 83.7787% | 4,581 |
| Equity capital to assets | 11.2593% | 2,445 |
| Core capital (leverage) ratio | 10.8999% | 2,265 |
| Tier 1 risk-based capital ratio | 14.6071% | 3,672 |
| Total risk-based capital ratio | 15.8639% | 3,622 |
| Memoranda: | ||
| Average total assets | $62,022,000 | 6,123 |
| Average earning assets | $57,830,500 | 6,071 |
| Average equity | $7,248,000 | 5,857 |
| Average total loans | $44,331,000 | 5,642 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1603% | 3,801 |
| Cost of funding earning assets | 1.2301% | 4,354 |
| Net interest margin | 3.9303% | 3,343 |
| Noninterest income to average assets | -0.9737% | 7,621 |
| Noninterest expense to average assets | 4.6190% | 582 |
| Loan and lease loss provision to assets | 1.3326% | 1,145 |
| Net operating income to assets | -3.4002% | 7,359 |
| Return on assets (ROA) | -3.3175% | 7,361 |
| Pretax return on assets | -3.3175% | 7,339 |
| Return on Equity (ROE) | -30.2444% | 7,234 |
| Retained earnings to average equity (ytd only) | -30.2444% | 7,221 |
| Net charge-offs to loans | 2.7456% | 649 |
| Credit loss provision to net charge-offs | 64.5503% | 5,993 |
| Earnings coverage of net charge-offs (x) | -1.0015% | 6,604 |
| Efficiency ratio | 181.0398% | 118 |
| Assets per employee ($millions) | 3.0644% | 5,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7887% | 2,899 |
| Loan loss allowance to noncurrent loans | 28.6124% | 6,374 |
| Noncurrent assets plus other real estate owned to assets | 7.6150% | 676 |
| Noncurrent loans to loans | 6.2514% | 980 |
| Net loans and leases to total assets | 71.4931% | 2,202 |
| Net loans and leases to deposits | 83.6742% | 2,503 |
| Net loans and leases to core deposits | 86.7901% | 3,217 |
| Total domestic deposits to total assets | 85.4423% | 3,638 |
| Equity capital to assets | 12.1233% | 1,841 |
| Core capital (leverage) ratio | 11.5088% | 1,827 |
| Tier 1 risk-based capital ratio | 14.9963% | 3,255 |
| Total risk-based capital ratio | 16.2532% | 3,201 |
| Memoranda: | ||
| Average total assets | $64,083,600 | 6,058 |
| Average earning assets | $57,477,200 | 6,080 |
| Average equity | $7,029,400 | 6,025 |
| Average total loans | $48,186,200 | 5,555 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1144% | 4,240 |
| Cost of funding earning assets | 1.3052% | 4,178 |
| Net interest margin | 3.8092% | 3,937 |
| Noninterest income to average assets | -0.9735% | 7,724 |
| Noninterest expense to average assets | 4.6081% | 531 |
| Loan and lease loss provision to assets | 1.5127% | 874 |
| Net operating income to assets | -3.7067% | 7,543 |
| Return on assets (ROA) | -3.5976% | 7,547 |
| Pretax return on assets | -3.5976% | 7,516 |
| Return on Equity (ROE) | -33.6344% | 7,438 |
| Retained earnings to average equity (ytd only) | -33.6344% | 7,434 |
| Net charge-offs to loans | 3.5832% | 371 |
| Credit loss provision to net charge-offs | 55.7240% | 5,790 |
| Earnings coverage of net charge-offs (x) | -0.8082% | 6,416 |
| Efficiency ratio | 190.8781% | 99 |
| Assets per employee ($millions) | 3.1165% | 5,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 5,809 |
| Loan loss allowance to noncurrent loans | 18.5495% | 6,961 |
| Noncurrent assets plus other real estate owned to assets | 8.7566% | 533 |
| Noncurrent loans to loans | 6.0941% | 1,018 |
| Net loans and leases to total assets | 74.6511% | 1,650 |
| Net loans and leases to deposits | 88.7554% | 1,897 |
| Net loans and leases to core deposits | 92.0384% | 2,788 |
| Total domestic deposits to total assets | 84.1088% | 4,051 |
| Equity capital to assets | 12.6713% | 1,771 |
| Core capital (leverage) ratio | 11.7447% | 1,794 |
| Tier 1 risk-based capital ratio | 15.0112% | 3,249 |
| Total risk-based capital ratio | 16.2621% | 3,233 |
| Memoranda: | ||
| Average total assets | $64,782,750 | 6,111 |
| Average earning assets | $57,614,000 | 6,141 |
| Average equity | $6,929,250 | 6,140 |
| Average total loans | $49,079,250 | 5,603 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1630% | 4,125 |
| Cost of funding earning assets | 1.3609% | 4,111 |
| Net interest margin | 3.8021% | 3,883 |
| Noninterest income to average assets | -1.2896% | 7,806 |
| Noninterest expense to average assets | 4.6128% | 514 |
| Loan and lease loss provision to assets | 2.0976% | 586 |
| Net operating income to assets | -4.6524% | 7,678 |
| Return on assets (ROA) | -4.4908% | 7,666 |
| Pretax return on assets | -4.4908% | 7,646 |
| Return on Equity (ROE) | -44.5936% | 7,571 |
| Retained earnings to average equity (ytd only) | -44.5936% | 7,563 |
| Net charge-offs to loans | 4.3496% | 276 |
| Credit loss provision to net charge-offs | 63.5860% | 5,124 |
| Earnings coverage of net charge-offs (x) | -0.7745% | 6,085 |
| Efficiency ratio | 224.1481% | 71 |
| Assets per employee ($millions) | 3.2985% | 5,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 4,069 |
| Loan loss allowance to noncurrent loans | 30.4899% | 6,333 |
| Noncurrent assets plus other real estate owned to assets | 9.7499% | 428 |
| Noncurrent loans to loans | 4.8205% | 1,467 |
| Net loans and leases to total assets | 73.3697% | 2,066 |
| Net loans and leases to deposits | 82.7682% | 3,123 |
| Net loans and leases to core deposits | 87.9413% | 3,552 |
| Total domestic deposits to total assets | 88.6448% | 1,645 |
| Equity capital to assets | 9.1511% | 5,212 |
| Core capital (leverage) ratio | 8.9848% | 4,624 |
| Tier 1 risk-based capital ratio | 10.6264% | 6,589 |
| Total risk-based capital ratio | 11.8810% | 6,583 |
| Memoranda: | ||
| Average total assets | $65,600,330 | 6,121 |
| Average earning assets | $57,757,330 | 6,181 |
| Average equity | $6,606,330 | 6,268 |
| Average total loans | $49,751,670 | 5,617 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1199% | 4,437 |
| Cost of funding earning assets | 1.3982% | 4,188 |
| Net interest margin | 3.7216% | 4,142 |
| Noninterest income to average assets | -1.0517% | 7,901 |
| Noninterest expense to average assets | 4.7512% | 459 |
| Loan and lease loss provision to assets | 4.2070% | 200 |
| Net operating income to assets | -6.7385% | 7,838 |
| Return on assets (ROA) | -6.4144% | 7,832 |
| Pretax return on assets | -6.4144% | 7,821 |
| Return on Equity (ROE) | -60.8910% | 7,744 |
| Retained earnings to average equity (ytd only) | -60.8910% | 7,736 |
| Net charge-offs to loans | 7.0867% | 132 |
| Credit loss provision to net charge-offs | 77.5648% | 3,943 |
| Earnings coverage of net charge-offs (x) | -0.4667% | 5,270 |
| Efficiency ratio | 214.0496% | 85 |
| Assets per employee ($millions) | 2.7563% | 6,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8678% | 2,531 |
| Loan loss allowance to noncurrent loans | 35.7644% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 11.0280% | 331 |
| Noncurrent loans to loans | 5.2225% | 1,371 |
| Net loans and leases to total assets | 72.8314% | 2,252 |
| Net loans and leases to deposits | 82.2052% | 3,249 |
| Net loans and leases to core deposits | 88.1106% | 3,612 |
| Total domestic deposits to total assets | 88.5971% | 1,734 |
| Equity capital to assets | 9.5858% | 4,396 |
| Core capital (leverage) ratio | 9.6901% | 3,528 |
| Tier 1 risk-based capital ratio | 11.3595% | 5,805 |
| Total risk-based capital ratio | 12.6181% | 5,771 |
| Memoranda: | ||
| Average total assets | $65,415,500 | 6,193 |
| Average earning assets | $57,501,500 | 6,258 |
| Average equity | $6,891,000 | 6,231 |
| Average total loans | $50,065,500 | 5,660 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4998% | 4,144 |
| Cost of funding earning assets | 2.0549% | 2,700 |
| Net interest margin | 3.4449% | 5,193 |
| Noninterest income to average assets | -0.0617% | 7,771 |
| Noninterest expense to average assets | 4.5769% | 734 |
| Loan and lease loss provision to assets | 2.6617% | 720 |
| Net operating income to assets | -4.9548% | 7,745 |
| Return on assets (ROA) | -4.6077% | 7,688 |
| Pretax return on assets | -3.8840% | 7,501 |
| Return on Equity (ROE) | -35.2760% | 7,495 |
| Retained earnings to average equity (ytd only) | -35.2760% | 7,483 |
| Net charge-offs to loans | 3.7823% | 472 |
| Credit loss provision to net charge-offs | 91.8594% | 5,941 |
| Earnings coverage of net charge-offs (x) | -0.5416% | 6,718 |
| Efficiency ratio | 152.1836% | 303 |
| Assets per employee ($millions) | 2.6950% | 6,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1867% | 1,672 |
| Loan loss allowance to noncurrent loans | 30.2112% | 6,457 |
| Noncurrent assets plus other real estate owned to assets | 13.8387% | 174 |
| Noncurrent loans to loans | 7.2380% | 747 |
| Net loans and leases to total assets | 77.1788% | 1,552 |
| Net loans and leases to deposits | 89.6165% | 2,278 |
| Net loans and leases to core deposits | 116.9497% | 2,228 |
| Total domestic deposits to total assets | 86.1211% | 2,948 |
| Equity capital to assets | 11.5042% | 2,318 |
| Core capital (leverage) ratio | 10.8166% | 2,336 |
| Tier 1 risk-based capital ratio | 12.7684% | 4,308 |
| Total risk-based capital ratio | 14.0306% | 4,241 |
| Memoranda: | ||
| Average total assets | $74,614,000 | 5,877 |
| Average earning assets | $66,475,000 | 5,918 |
| Average equity | $9,746,000 | 5,369 |
| Average total loans | $57,160,600 | 5,376 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4347% | 4,770 |
| Cost of funding earning assets | 2.2057% | 2,388 |
| Net interest margin | 3.2290% | 5,921 |
| Noninterest income to average assets | -0.2750% | 8,008 |
| Noninterest expense to average assets | 4.5379% | 715 |
| Loan and lease loss provision to assets | 2.2413% | 768 |
| Net operating income to assets | -2.6144% | 7,485 |
| Return on assets (ROA) | -2.3277% | 7,412 |
| Pretax return on assets | -3.7303% | 7,647 |
| Return on Equity (ROE) | -17.3859% | 7,287 |
| Retained earnings to average equity (ytd only) | -17.3859% | 7,248 |
| Net charge-offs to loans | 3.9119% | 369 |
| Credit loss provision to net charge-offs | 75.2613% | 5,878 |
| Earnings coverage of net charge-offs (x) | -0.6504% | 6,540 |
| Efficiency ratio | 174.4681% | 217 |
| Assets per employee ($millions) | 2.9673% | 6,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9348% | 1,943 |
| Loan loss allowance to noncurrent loans | 43.8498% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 10.4699% | 314 |
| Noncurrent loans to loans | 4.4124% | 1,594 |
| Net loans and leases to total assets | 72.3102% | 2,953 |
| Net loans and leases to deposits | 85.0763% | 3,483 |
| Net loans and leases to core deposits | 116.9809% | 2,524 |
| Total domestic deposits to total assets | 84.9945% | 3,240 |
| Equity capital to assets | 13.3513% | 1,552 |
| Core capital (leverage) ratio | 12.7616% | 1,462 |
| Tier 1 risk-based capital ratio | 15.2339% | 2,934 |
| Total risk-based capital ratio | 16.4893% | 2,878 |
| Memoranda: | ||
| Average total assets | $77,097,250 | 5,844 |
| Average earning assets | $68,668,000 | 5,895 |
| Average equity | $10,322,250 | 5,252 |
| Average total loans | $58,691,750 | 5,352 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2893% | 5,701 |
| Cost of funding earning assets | 2.3595% | 2,125 |
| Net interest margin | 2.9298% | 6,736 |
| Noninterest income to average assets | -0.6906% | 8,144 |
| Noninterest expense to average assets | 4.3057% | 942 |
| Loan and lease loss provision to assets | 1.5786% | 1,077 |
| Net operating income to assets | -2.4545% | 7,545 |
| Return on assets (ROA) | -2.1857% | 7,472 |
| Pretax return on assets | -3.5037% | 7,679 |
| Return on Equity (ROE) | -16.3116% | 7,391 |
| Retained earnings to average equity (ytd only) | -16.3116% | 7,316 |
| Net charge-offs to loans | 3.7464% | 393 |
| Credit loss provision to net charge-offs | 54.8330% | 5,681 |
| Earnings coverage of net charge-offs (x) | -0.8146% | 6,185 |
| Efficiency ratio | 219.6129% | 158 |
| Assets per employee ($millions) | 3.1958% | 5,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5927% | 2,778 |
| Loan loss allowance to noncurrent loans | 26.3052% | 6,756 |
| Noncurrent assets plus other real estate owned to assets | 10.8357% | 238 |
| Noncurrent loans to loans | 6.0545% | 900 |
| Net loans and leases to total assets | 73.4694% | 2,851 |
| Net loans and leases to deposits | 87.0366% | 3,352 |
| Net loans and leases to core deposits | 120.1642% | 2,360 |
| Total domestic deposits to total assets | 84.4120% | 3,547 |
| Equity capital to assets | 13.0782% | 1,667 |
| Core capital (leverage) ratio | 13.0488% | 1,414 |
| Tier 1 risk-based capital ratio | 14.9793% | 3,028 |
| Total risk-based capital ratio | 16.2307% | 2,968 |
| Memoranda: | ||
| Average total assets | $79,058,330 | 5,831 |
| Average earning assets | $71,540,330 | 5,838 |
| Average equity | $10,593,670 | 5,187 |
| Average total loans | $60,752,000 | 5,298 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2500% | 6,114 |
| Cost of funding earning assets | 2.5572% | 1,716 |
| Net interest margin | 2.6929% | 7,220 |
| Noninterest income to average assets | 0.4188% | 5,067 |
| Noninterest expense to average assets | 3.8785% | 1,339 |
| Loan and lease loss provision to assets | 1.5654% | 804 |
| Net operating income to assets | -1.5903% | 7,536 |
| Return on assets (ROA) | -1.5903% | 7,539 |
| Pretax return on assets | -2.5524% | 7,672 |
| Return on Equity (ROE) | -11.7333% | 7,457 |
| Retained earnings to average equity (ytd only) | -11.7333% | 7,248 |
| Net charge-offs to loans | 3.5202% | 346 |
| Credit loss provision to net charge-offs | 57.0909% | 4,569 |
| Earnings coverage of net charge-offs (x) | -0.3600% | 5,206 |
| Efficiency ratio | 134.1379% | 465 |
| Assets per employee ($millions) | 3.1340% | 5,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9427% | 1,536 |
| Loan loss allowance to noncurrent loans | 18.2054% | 7,251 |
| Noncurrent assets plus other real estate owned to assets | 11.6492% | 156 |
| Noncurrent loans to loans | 10.6709% | 249 |
| Net loans and leases to total assets | 76.7285% | 2,106 |
| Net loans and leases to deposits | 93.3681% | 2,376 |
| Net loans and leases to core deposits | 129.6246% | 1,688 |
| Total domestic deposits to total assets | 82.1785% | 4,476 |
| Equity capital to assets | 13.6492% | 1,481 |
| Core capital (leverage) ratio | 13.3703% | 1,363 |
| Tier 1 risk-based capital ratio | 15.5484% | 2,832 |
| Total risk-based capital ratio | 16.8051% | 2,764 |
| Memoranda: | ||
| Average total assets | $80,237,500 | 5,813 |
| Average earning assets | $73,675,500 | 5,786 |
| Average equity | $10,875,000 | 5,144 |
| Average total loans | $62,496,500 | 5,264 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3460% | 3,712 |
| Cost of funding earning assets | 2.9701% | 1,985 |
| Net interest margin | 3.3759% | 5,762 |
| Noninterest income to average assets | 0.4440% | 5,081 |
| Noninterest expense to average assets | 4.1085% | 1,261 |
| Loan and lease loss provision to assets | 1.7436% | 733 |
| Net operating income to assets | -1.3587% | 7,414 |
| Return on assets (ROA) | -1.3587% | 7,355 |
| Pretax return on assets | -2.1771% | 7,498 |
| Return on Equity (ROE) | -11.3564% | 7,375 |
| Retained earnings to average equity (ytd only) | -11.3564% | 7,192 |
| Net charge-offs to loans | 1.2778% | 934 |
| Credit loss provision to net charge-offs | 171.1035% | 2,990 |
| Earnings coverage of net charge-offs (x) | -0.4255% | 6,465 |
| Efficiency ratio | 111.7981% | 677 |
| Assets per employee ($millions) | 3.1587% | 5,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2391% | 913 |
| Loan loss allowance to noncurrent loans | 19.6176% | 7,257 |
| Noncurrent assets plus other real estate owned to assets | 8.8510% | 235 |
| Noncurrent loans to loans | 11.4138% | 152 |
| Net loans and leases to total assets | 75.8103% | 2,676 |
| Net loans and leases to deposits | 89.4129% | 3,550 |
| Net loans and leases to core deposits | 133.5306% | 1,625 |
| Total domestic deposits to total assets | 84.7868% | 2,940 |
| Equity capital to assets | 13.4622% | 1,609 |
| Core capital (leverage) ratio | 12.5631% | 1,721 |
| Tier 1 risk-based capital ratio | 15.8254% | 2,736 |
| Total risk-based capital ratio | 17.0858% | 2,669 |
| Memoranda: | ||
| Average total assets | $86,259,800 | 5,474 |
| Average earning assets | $82,556,400 | 5,345 |
| Average equity | $10,320,200 | 5,312 |
| Average total loans | $68,787,800 | 4,918 |