Home > Greystone Bank > Performance and Condition Ratios
Greystone 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 | 4.2239% | 6,150 |
| Cost of funding earning assets | 3.4790% | 4 |
| Net interest margin | 0.7449% | 7,404 |
| Noninterest income to average assets | -20.0646% | 7,437 |
| Noninterest expense to average assets | 4.3404% | 685 |
| Loan and lease loss provision to assets | -0.6714% | 7,420 |
| Net operating income to assets | -23.0365% | 7,436 |
| Return on assets (ROA) | -22.8160% | 7,436 |
| Pretax return on assets | -22.8160% | 7,436 |
| Return on Equity (ROE) | -196.8021% | 7,424 |
| Retained earnings to average equity (ytd only) | -196.8021% | 7,424 |
| Net charge-offs to loans | 0.9710% | 1,652 |
| Credit loss provision to net charge-offs | -98.0088% | 6,514 |
| Earnings coverage of net charge-offs (x) | -34.6096% | 6,162 |
| Efficiency ratio | -22.4109% | 7,427 |
| Assets per employee ($millions) | 4.7320% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9733% | 2,406 |
| Loan loss allowance to noncurrent loans | 17.8828% | 6,747 |
| Noncurrent assets plus other real estate owned to assets | 5.6402% | 975 |
| Noncurrent loans to loans | 11.0345% | 289 |
| Net loans and leases to total assets | 48.0702% | 5,944 |
| Net loans and leases to deposits | 54.3923% | 6,180 |
| Net loans and leases to core deposits | 364.5942% | 38 |
| Total domestic deposits to total assets | 88.3770% | 1,822 |
| Equity capital to assets | 9.8757% | 4,514 |
| Core capital (leverage) ratio | 8.2880% | 5,994 |
| Tier 1 risk-based capital ratio | 19.0721% | 1,911 |
| Total risk-based capital ratio | 20.3308% | 1,882 |
| Memoranda: | ||
| Average total assets | $175,954,250 | 3,411 |
| Average earning assets | $164,678,750 | 3,341 |
| Average equity | $20,399,000 | 3,088 |
| Average total loans | $124,124,750 | 3,120 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4144% | 5,637 |
| Cost of funding earning assets | 3.4052% | 4 |
| Net interest margin | 1.0092% | 7,472 |
| Noninterest income to average assets | -19.5009% | 7,513 |
| Noninterest expense to average assets | 3.9104% | 1,173 |
| Loan and lease loss provision to assets | -0.3636% | 7,467 |
| Net operating income to assets | -22.0997% | 7,512 |
| Return on assets (ROA) | -22.0987% | 7,512 |
| Pretax return on assets | -22.0987% | 7,512 |
| Return on Equity (ROE) | -186.5671% | 7,486 |
| Retained earnings to average equity (ytd only) | -186.5671% | 7,486 |
| Net charge-offs to loans | 1.2307% | 1,273 |
| Credit loss provision to net charge-offs | -40.0862% | 6,234 |
| Earnings coverage of net charge-offs (x) | -24.7672% | 5,846 |
| Efficiency ratio | -21.0768% | 7,505 |
| Assets per employee ($millions) | 5.8247% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7377% | 3,196 |
| Loan loss allowance to noncurrent loans | 13.9516% | 6,885 |
| Noncurrent assets plus other real estate owned to assets | 9.0044% | 467 |
| Noncurrent loans to loans | 12.4550% | 229 |
| Net loans and leases to total assets | 62.8738% | 3,705 |
| Net loans and leases to deposits | 72.2115% | 4,080 |
| Net loans and leases to core deposits | 440.1419% | 38 |
| Total domestic deposits to total assets | 87.0690% | 2,704 |
| Equity capital to assets | 12.0367% | 2,063 |
| Core capital (leverage) ratio | 9.5824% | 3,842 |
| Tier 1 risk-based capital ratio | 17.5503% | 2,320 |
| Total risk-based capital ratio | 18.8051% | 2,293 |
| Memoranda: | ||
| Average total assets | $204,636,330 | 3,046 |
| Average earning assets | $192,234,670 | 2,967 |
| Average equity | $24,239,000 | 2,634 |
| Average total loans | $150,803,330 | 2,671 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3461% | 5,870 |
| Cost of funding earning assets | 3.3872% | 4 |
| Net interest margin | 0.9589% | 7,533 |
| Noninterest income to average assets | -25.4244% | 7,574 |
| Noninterest expense to average assets | 2.9358% | 3,915 |
| Loan and lease loss provision to assets | -0.6005% | 7,543 |
| Net operating income to assets | -26.8548% | 7,573 |
| Return on assets (ROA) | -26.8548% | 7,573 |
| Pretax return on assets | -26.8548% | 7,573 |
| Return on Equity (ROE) | -227.6373% | 7,546 |
| Retained earnings to average equity (ytd only) | -227.6373% | 7,544 |
| Net charge-offs to loans | 1.2851% | 1,078 |
| Credit loss provision to net charge-offs | -61.3977% | 5,666 |
| Earnings coverage of net charge-offs (x) | -28.0715% | 5,082 |
| Efficiency ratio | -11.9732% | 7,565 |
| Assets per employee ($millions) | 7.2376% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 4,942 |
| Loan loss allowance to noncurrent loans | 9.0009% | 7,022 |
| Noncurrent assets plus other real estate owned to assets | 11.7304% | 287 |
| Noncurrent loans to loans | 14.8921% | 156 |
| Net loans and leases to total assets | 71.6112% | 1,792 |
| Net loans and leases to deposits | 82.5809% | 2,258 |
| Net loans and leases to core deposits | 404.8495% | 39 |
| Total domestic deposits to total assets | 86.7163% | 3,112 |
| Equity capital to assets | 11.9193% | 1,966 |
| Core capital (leverage) ratio | 8.7428% | 5,012 |
| Tier 1 risk-based capital ratio | 15.5939% | 3,107 |
| Total risk-based capital ratio | 16.8445% | 3,067 |
| Memoranda: | ||
| Average total assets | $245,795,500 | 2,603 |
| Average earning assets | $231,931,500 | 2,525 |
| Average equity | $28,997,000 | 2,231 |
| Average total loans | $187,072,000 | 2,221 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9475% | 4,797 |
| Cost of funding earning assets | 2.6022% | 74 |
| Net interest margin | 2.3453% | 7,345 |
| Noninterest income to average assets | -3.5370% | 7,656 |
| Noninterest expense to average assets | 3.3763% | 2,508 |
| Loan and lease loss provision to assets | -0.8350% | 7,652 |
| Net operating income to assets | -3.8500% | 7,419 |
| Return on assets (ROA) | -3.3265% | 7,364 |
| Pretax return on assets | -3.3265% | 7,342 |
| Return on Equity (ROE) | -36.4582% | 7,305 |
| Retained earnings to average equity (ytd only) | -36.4582% | 7,296 |
| Net charge-offs to loans | 0.3211% | 4,414 |
| Credit loss provision to net charge-offs | -366.2116% | 7,096 |
| Earnings coverage of net charge-offs (x) | -20.5469% | 6,820 |
| Efficiency ratio | -257.9753% | 7,650 |
| Assets per employee ($millions) | 10.9617% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 6,061 |
| Loan loss allowance to noncurrent loans | 11.4764% | 7,067 |
| Noncurrent assets plus other real estate owned to assets | 7.6130% | 678 |
| Noncurrent loans to loans | 9.3436% | 474 |
| Net loans and leases to total assets | 77.1980% | 1,060 |
| Net loans and leases to deposits | 97.0909% | 779 |
| Net loans and leases to core deposits | 504.0442% | 36 |
| Total domestic deposits to total assets | 79.5111% | 5,963 |
| Equity capital to assets | 11.7305% | 2,098 |
| Core capital (leverage) ratio | 10.0451% | 3,038 |
| Tier 1 risk-based capital ratio | 14.1729% | 3,754 |
| Total risk-based capital ratio | 15.2035% | 3,865 |
| Memoranda: | ||
| Average total assets | $514,001,400 | 1,302 |
| Average earning assets | $488,347,800 | 1,261 |
| Average equity | $46,897,600 | 1,426 |
| Average total loans | $364,980,200 | 1,237 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8411% | 5,512 |
| Cost of funding earning assets | 2.5151% | 132 |
| Net interest margin | 2.3260% | 7,473 |
| Noninterest income to average assets | -4.0407% | 7,760 |
| Noninterest expense to average assets | 3.3300% | 2,486 |
| Loan and lease loss provision to assets | -0.9292% | 7,757 |
| Net operating income to assets | -4.2308% | 7,587 |
| Return on assets (ROA) | -3.6303% | 7,548 |
| Pretax return on assets | -3.6303% | 7,518 |
| Return on Equity (ROE) | -41.4598% | 7,509 |
| Retained earnings to average equity (ytd only) | -41.4598% | 7,507 |
| Net charge-offs to loans | 0.4059% | 3,667 |
| Credit loss provision to net charge-offs | -327.0000% | 6,986 |
| Earnings coverage of net charge-offs (x) | -18.1583% | 6,642 |
| Efficiency ratio | -181.9617% | 7,752 |
| Assets per employee ($millions) | 12.5004% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 6,399 |
| Loan loss allowance to noncurrent loans | 10.3004% | 7,180 |
| Noncurrent assets plus other real estate owned to assets | 8.7995% | 527 |
| Noncurrent loans to loans | 9.6996% | 451 |
| Net loans and leases to total assets | 72.0636% | 2,239 |
| Net loans and leases to deposits | 86.3016% | 2,273 |
| Net loans and leases to core deposits | 260.7686% | 57 |
| Total domestic deposits to total assets | 83.5021% | 4,374 |
| Equity capital to assets | 9.7367% | 4,489 |
| Core capital (leverage) ratio | 8.6008% | 5,345 |
| Tier 1 risk-based capital ratio | 12.2244% | 5,243 |
| Total risk-based capital ratio | 13.1574% | 5,522 |
| Memoranda: | ||
| Average total assets | $563,029,500 | 1,201 |
| Average earning assets | $535,093,750 | 1,152 |
| Average equity | $49,299,500 | 1,366 |
| Average total loans | $394,209,250 | 1,152 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8221% | 5,715 |
| Cost of funding earning assets | 2.4095% | 231 |
| Net interest margin | 2.4126% | 7,467 |
| Noninterest income to average assets | -3.7244% | 7,827 |
| Noninterest expense to average assets | 3.4922% | 2,047 |
| Loan and lease loss provision to assets | -1.1455% | 7,825 |
| Net operating income to assets | -3.7687% | 7,599 |
| Return on assets (ROA) | -2.9651% | 7,514 |
| Pretax return on assets | -2.9651% | 7,462 |
| Return on Equity (ROE) | -34.7354% | 7,485 |
| Retained earnings to average equity (ytd only) | -34.7354% | 7,475 |
| Net charge-offs to loans | 0.6919% | 2,487 |
| Credit loss provision to net charge-offs | -238.5870% | 6,742 |
| Earnings coverage of net charge-offs (x) | -10.2357% | 6,326 |
| Efficiency ratio | -245.5734% | 7,820 |
| Assets per employee ($millions) | 13.2810% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8859% | 6,805 |
| Loan loss allowance to noncurrent loans | 12.4037% | 7,210 |
| Noncurrent assets plus other real estate owned to assets | 6.8868% | 777 |
| Noncurrent loans to loans | 7.1418% | 782 |
| Net loans and leases to total assets | 69.6128% | 2,989 |
| Net loans and leases to deposits | 79.9516% | 3,606 |
| Net loans and leases to core deposits | 195.6517% | 100 |
| Total domestic deposits to total assets | 87.0688% | 2,493 |
| Equity capital to assets | 9.1932% | 5,153 |
| Core capital (leverage) ratio | 7.7822% | 6,521 |
| Tier 1 risk-based capital ratio | 12.0291% | 5,283 |
| Total risk-based capital ratio | 12.8552% | 5,629 |
| Memoranda: | ||
| Average total assets | $613,202,000 | 1,098 |
| Average earning assets | $585,183,670 | 1,051 |
| Average equity | $52,344,330 | 1,273 |
| Average total loans | $425,522,000 | 1,069 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5900% | 2,191 |
| Cost of funding earning assets | 2.3055% | 429 |
| Net interest margin | 3.2845% | 6,030 |
| Noninterest income to average assets | -3.6964% | 7,928 |
| Noninterest expense to average assets | 3.1702% | 2,976 |
| Loan and lease loss provision to assets | -2.5565% | 7,928 |
| Net operating income to assets | -1.1554% | 7,198 |
| Return on assets (ROA) | -1.1015% | 7,182 |
| Pretax return on assets | -1.1015% | 7,099 |
| Return on Equity (ROE) | -13.2903% | 7,267 |
| Retained earnings to average equity (ytd only) | -13.2903% | 7,138 |
| Net charge-offs to loans | 0.5188% | 2,511 |
| Credit loss provision to net charge-offs | -713.3779% | 6,327 |
| Earnings coverage of net charge-offs (x) | -10.3579% | 5,561 |
| Efficiency ratio | -585.1770% | 7,931 |
| Assets per employee ($millions) | 17.9251% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8236% | 7,071 |
| Loan loss allowance to noncurrent loans | 15.2024% | 7,195 |
| Noncurrent assets plus other real estate owned to assets | 4.1425% | 1,649 |
| Noncurrent loans to loans | 5.4174% | 1,301 |
| Net loans and leases to total assets | 60.8360% | 4,968 |
| Net loans and leases to deposits | 73.7788% | 4,782 |
| Net loans and leases to core deposits | 207.0128% | 97 |
| Total domestic deposits to total assets | 82.4573% | 4,866 |
| Equity capital to assets | 8.4904% | 6,011 |
| Core capital (leverage) ratio | 7.7512% | 6,569 |
| Tier 1 risk-based capital ratio | 12.1097% | 5,077 |
| Total risk-based capital ratio | 12.8710% | 5,519 |
| Memoranda: | ||
| Average total assets | $667,464,500 | 1,038 |
| Average earning assets | $641,069,500 | 975 |
| Average equity | $55,318,500 | 1,205 |
| Average total loans | $461,053,000 | 1,023 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9589% | 2,021 |
| Cost of funding earning assets | 1.6862% | 4,585 |
| Net interest margin | 4.2728% | 1,809 |
| Noninterest income to average assets | -1.1104% | 7,993 |
| Noninterest expense to average assets | 2.2538% | 6,861 |
| Loan and lease loss provision to assets | 0.6986% | 3,026 |
| Net operating income to assets | 0.1168% | 5,162 |
| Return on assets (ROA) | 0.1937% | 4,989 |
| Pretax return on assets | 0.1937% | 5,019 |
| Return on Equity (ROE) | 2.4476% | 4,733 |
| Retained earnings to average equity (ytd only) | 2.4476% | 3,426 |
| Net charge-offs to loans | 0.5621% | 3,534 |
| Credit loss provision to net charge-offs | 155.8288% | 2,912 |
| Earnings coverage of net charge-offs (x) | 1.8187% | 4,361 |
| Efficiency ratio | 73.4324% | 4,010 |
| Assets per employee ($millions) | 17.6827% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5437% | 3,504 |
| Loan loss allowance to noncurrent loans | 15.7506% | 7,224 |
| Noncurrent assets plus other real estate owned to assets | 8.2037% | 531 |
| Noncurrent loans to loans | 9.8009% | 428 |
| Net loans and leases to total assets | 75.1343% | 1,997 |
| Net loans and leases to deposits | 88.6935% | 2,443 |
| Net loans and leases to core deposits | 122.1850% | 1,763 |
| Total domestic deposits to total assets | 84.7123% | 3,705 |
| Equity capital to assets | 8.0983% | 6,463 |
| Core capital (leverage) ratio | 7.8567% | 6,380 |
| Tier 1 risk-based capital ratio | 10.5291% | 6,364 |
| Total risk-based capital ratio | 11.7288% | 6,389 |
| Memoranda: | ||
| Average total assets | $661,999,800 | 1,048 |
| Average earning assets | $647,564,000 | 962 |
| Average equity | $52,377,800 | 1,266 |
| Average total loans | $528,037,800 | 907 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2170% | 1,333 |
| Cost of funding earning assets | 1.6820% | 4,988 |
| Net interest margin | 4.5350% | 1,110 |
| Noninterest income to average assets | -2.3530% | 8,087 |
| Noninterest expense to average assets | 2.1440% | 7,106 |
| Loan and lease loss provision to assets | 0.4895% | 3,457 |
| Net operating income to assets | -0.5300% | 6,460 |
| Return on assets (ROA) | -0.4264% | 6,353 |
| Pretax return on assets | -0.4264% | 6,229 |
| Return on Equity (ROE) | -5.4227% | 6,495 |
| Retained earnings to average equity (ytd only) | -5.4227% | 6,305 |
| Net charge-offs to loans | 0.6421% | 2,755 |
| Credit loss provision to net charge-offs | 94.4990% | 5,355 |
| Earnings coverage of net charge-offs (x) | -0.0782% | 6,158 |
| Efficiency ratio | 101.9255% | 983 |
| Assets per employee ($millions) | 17.2403% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 5,481 |
| Loan loss allowance to noncurrent loans | 27.1347% | 6,655 |
| Noncurrent assets plus other real estate owned to assets | 3.7589% | 1,729 |
| Noncurrent loans to loans | 4.1975% | 1,721 |
| Net loans and leases to total assets | 81.6759% | 868 |
| Net loans and leases to deposits | 92.7846% | 2,101 |
| Net loans and leases to core deposits | 133.6719% | 1,229 |
| Total domestic deposits to total assets | 88.0275% | 1,639 |
| Equity capital to assets | 7.8623% | 6,978 |
| Core capital (leverage) ratio | 7.2163% | 7,253 |
| Tier 1 risk-based capital ratio | 9.3743% | 7,447 |
| Total risk-based capital ratio | 10.5498% | 7,481 |
| Memoranda: | ||
| Average total assets | $655,093,500 | 1,073 |
| Average earning assets | $643,748,250 | 982 |
| Average equity | $51,510,250 | 1,314 |
| Average total loans | $528,480,000 | 917 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2847% | 5,726 |
| Cost of funding earning assets | 1.8038% | 4,738 |
| Net interest margin | 3.4809% | 4,890 |
| Noninterest income to average assets | 0.0419% | 7,779 |
| Noninterest expense to average assets | 1.5080% | 7,969 |
| Loan and lease loss provision to assets | 0.3825% | 3,624 |
| Net operating income to assets | 1.5773% | 716 |
| Return on assets (ROA) | 1.6263% | 713 |
| Pretax return on assets | 1.6263% | 1,155 |
| Return on Equity (ROE) | 20.6820% | 292 |
| Retained earnings to average equity (ytd only) | 20.6820% | 65 |
| Net charge-offs to loans | 0.7966% | 2,088 |
| Credit loss provision to net charge-offs | 60.0290% | 5,588 |
| Earnings coverage of net charge-offs (x) | 3.0754% | 3,585 |
| Efficiency ratio | 43.4852% | 7,937 |
| Assets per employee ($millions) | 27.9542% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 6,116 |
| Loan loss allowance to noncurrent loans | 41.5103% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 1.9747% | 3,230 |
| Noncurrent loans to loans | 2.4450% | 2,954 |
| Net loans and leases to total assets | 78.7109% | 1,589 |
| Net loans and leases to deposits | 89.1641% | 2,961 |
| Net loans and leases to core deposits | 108.8544% | 3,508 |
| Total domestic deposits to total assets | 88.2764% | 1,637 |
| Equity capital to assets | 8.3906% | 6,214 |
| Core capital (leverage) ratio | 8.6403% | 5,198 |
| Tier 1 risk-based capital ratio | 10.3403% | 6,547 |
| Total risk-based capital ratio | 11.3486% | 6,748 |
| Memoranda: | ||
| Average total assets | $649,333,670 | 1,100 |
| Average earning assets | $639,086,330 | 1,007 |
| Average equity | $51,059,000 | 1,339 |
| Average total loans | $519,475,330 | 955 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2810% | 5,972 |
| Cost of funding earning assets | 2.0807% | 3,736 |
| Net interest margin | 3.2002% | 5,858 |
| Noninterest income to average assets | 1.6613% | 495 |
| Noninterest expense to average assets | 1.0247% | 8,164 |
| Loan and lease loss provision to assets | 0.8659% | 1,516 |
| Net operating income to assets | 2.9306% | 73 |
| Return on assets (ROA) | 2.9639% | 85 |
| Pretax return on assets | 2.9639% | 131 |
| Return on Equity (ROE) | 39.1627% | 47 |
| Retained earnings to average equity (ytd only) | 39.1627% | 28 |
| Net charge-offs to loans | 0.3503% | 2,683 |
| Credit loss provision to net charge-offs | 307.9727% | 1,579 |
| Earnings coverage of net charge-offs (x) | 13.5034% | 1,730 |
| Efficiency ratio | 21.2540% | 8,185 |
| Assets per employee ($millions) | 53.7381% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 3,329 |
| Loan loss allowance to noncurrent loans | 109.8214% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 1.0902% | 4,502 |
| Noncurrent loans to loans | 1.3048% | 4,366 |
| Net loans and leases to total assets | 78.7246% | 1,638 |
| Net loans and leases to deposits | 91.1432% | 2,751 |
| Net loans and leases to core deposits | 112.0032% | 3,222 |
| Total domestic deposits to total assets | 86.3747% | 2,509 |
| Equity capital to assets | 8.1159% | 6,655 |
| Core capital (leverage) ratio | 8.1229% | 6,252 |
| Tier 1 risk-based capital ratio | 9.2272% | 7,649 |
| Total risk-based capital ratio | 10.3984% | 7,705 |
| Memoranda: | ||
| Average total assets | $624,573,500 | 1,140 |
| Average earning assets | $616,703,000 | 1,044 |
| Average equity | $47,269,500 | 1,458 |
| Average total loans | $501,356,000 | 1,001 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5851% | 2,552 |
| Cost of funding earning assets | 3.4886% | 537 |
| Net interest margin | 3.0965% | 6,662 |
| Noninterest income to average assets | -0.9963% | 8,290 |
| Noninterest expense to average assets | 2.2988% | 6,707 |
| Loan and lease loss provision to assets | 1.2874% | 1,106 |
| Net operating income to assets | -1.5535% | 7,489 |
| Return on assets (ROA) | -1.3885% | 7,366 |
| Pretax return on assets | -1.3885% | 7,210 |
| Return on Equity (ROE) | -14.9830% | 7,589 |
| Retained earnings to average equity (ytd only) | -14.9830% | 7,457 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.0910% | 647 |
| Assets per employee ($millions) | 54.9355% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 3,613 |
| Loan loss allowance to noncurrent loans | 82.7299% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.3459% | 3,522 |
| Noncurrent loans to loans | 1.6029% | 3,365 |
| Net loans and leases to total assets | 79.6313% | 1,745 |
| Net loans and leases to deposits | 92.8639% | 2,983 |
| Net loans and leases to core deposits | 107.8268% | 3,986 |
| Total domestic deposits to total assets | 85.7506% | 2,517 |
| Equity capital to assets | 6.9839% | 7,748 |
| Core capital (leverage) ratio | 8.2573% | 6,040 |
| Tier 1 risk-based capital ratio | 8.8713% | 7,867 |
| Total risk-based capital ratio | 10.1039% | 7,912 |
| Memoranda: | ||
| Average total assets | $382,931,400 | 1,766 |
| Average earning assets | $374,587,400 | 1,657 |
| Average equity | $35,487,000 | 1,900 |
| Average total loans | $297,085,800 | 1,626 |