Home > Heritage First Bank > Performance and Condition Ratios
Heritage First 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 | 4.9842% | 3,168 |
| Cost of funding earning assets | 1.2034% | 2,297 |
| Net interest margin | 3.7808% | 3,964 |
| Noninterest income to average assets | 0.1566% | 6,474 |
| Noninterest expense to average assets | 3.7501% | 1,399 |
| Loan and lease loss provision to assets | 2.6656% | 153 |
| Net operating income to assets | -3.1621% | 7,286 |
| Return on assets (ROA) | -3.1621% | 7,291 |
| Pretax return on assets | -3.1621% | 7,284 |
| Return on Equity (ROE) | -52.1398% | 7,298 |
| Retained earnings to average equity (ytd only) | -52.1398% | 7,293 |
| Net charge-offs to loans | 3.7775% | 184 |
| Credit loss provision to net charge-offs | 117.4098% | 2,780 |
| Earnings coverage of net charge-offs (x) | -0.2187% | 5,728 |
| Efficiency ratio | 115.2593% | 356 |
| Assets per employee ($millions) | 2.8741% | 6,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7406% | 479 |
| Loan loss allowance to noncurrent loans | 122.7996% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 7.1493% | 679 |
| Noncurrent loans to loans | 3.0461% | 2,275 |
| Net loans and leases to total assets | 54.5718% | 5,077 |
| Net loans and leases to deposits | 58.3730% | 5,810 |
| Net loans and leases to core deposits | 62.4921% | 5,771 |
| Total domestic deposits to total assets | 93.4880% | 106 |
| Equity capital to assets | 6.2080% | 7,163 |
| Core capital (leverage) ratio | 5.9862% | 7,142 |
| Tier 1 risk-based capital ratio | 9.8296% | 6,996 |
| Total risk-based capital ratio | 11.1070% | 6,980 |
| Memoranda: | ||
| Average total assets | $55,321,000 | 6,230 |
| Average earning assets | $45,315,500 | 6,410 |
| Average equity | $3,355,000 | 6,978 |
| Average total loans | $33,248,500 | 6,056 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8543% | 3,849 |
| Cost of funding earning assets | 1.2015% | 2,577 |
| Net interest margin | 3.6528% | 4,508 |
| Noninterest income to average assets | 0.2916% | 5,546 |
| Noninterest expense to average assets | 3.9706% | 1,094 |
| Loan and lease loss provision to assets | 3.5962% | 100 |
| Net operating income to assets | -4.2765% | 7,408 |
| Return on assets (ROA) | -4.2765% | 7,410 |
| Pretax return on assets | -4.2765% | 7,403 |
| Return on Equity (ROE) | -71.0669% | 7,403 |
| Retained earnings to average equity (ytd only) | -71.0669% | 7,400 |
| Net charge-offs to loans | 4.8395% | 138 |
| Credit loss provision to net charge-offs | 121.3852% | 2,510 |
| Earnings coverage of net charge-offs (x) | -0.2296% | 5,420 |
| Efficiency ratio | 120.6783% | 339 |
| Assets per employee ($millions) | 2.9754% | 6,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6355% | 542 |
| Loan loss allowance to noncurrent loans | 226.4990% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 6.3781% | 844 |
| Noncurrent loans to loans | 1.6051% | 3,985 |
| Net loans and leases to total assets | 57.9540% | 4,638 |
| Net loans and leases to deposits | 62.2311% | 5,474 |
| Net loans and leases to core deposits | 66.3723% | 5,462 |
| Total domestic deposits to total assets | 93.1271% | 126 |
| Equity capital to assets | 6.5480% | 7,174 |
| Core capital (leverage) ratio | 6.2013% | 7,171 |
| Tier 1 risk-based capital ratio | 9.9091% | 7,005 |
| Total risk-based capital ratio | 11.1848% | 6,997 |
| Memoranda: | ||
| Average total assets | $55,559,000 | 6,273 |
| Average earning assets | $45,608,670 | 6,453 |
| Average equity | $3,343,330 | 7,029 |
| Average total loans | $34,012,000 | 6,073 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8344% | 3,894 |
| Cost of funding earning assets | 1.2086% | 2,765 |
| Net interest margin | 3.6258% | 4,454 |
| Noninterest income to average assets | 0.0495% | 7,139 |
| Noninterest expense to average assets | 4.0029% | 1,030 |
| Loan and lease loss provision to assets | 6.4357% | 37 |
| Net operating income to assets | -7.3975% | 7,532 |
| Return on assets (ROA) | -7.3975% | 7,532 |
| Pretax return on assets | -7.3975% | 7,529 |
| Return on Equity (ROE) | -128.2845% | 7,511 |
| Retained earnings to average equity (ytd only) | -128.2845% | 7,506 |
| Net charge-offs to loans | 1.3176% | 1,048 |
| Credit loss provision to net charge-offs | 791.3043% | 483 |
| Earnings coverage of net charge-offs (x) | -1.1826% | 4,913 |
| Efficiency ratio | 131.6279% | 252 |
| Assets per employee ($millions) | 2.9366% | 6,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1970% | 170 |
| Loan loss allowance to noncurrent loans | 65.6399% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 10.0081% | 416 |
| Noncurrent loans to loans | 7.9174% | 637 |
| Net loans and leases to total assets | 58.5232% | 4,547 |
| Net loans and leases to deposits | 62.7894% | 5,409 |
| Net loans and leases to core deposits | 70.4624% | 4,986 |
| Total domestic deposits to total assets | 93.2055% | 121 |
| Equity capital to assets | 6.5149% | 7,204 |
| Core capital (leverage) ratio | 6.2651% | 7,213 |
| Tier 1 risk-based capital ratio | 9.8644% | 7,049 |
| Total risk-based capital ratio | 11.1613% | 7,036 |
| Memoranda: | ||
| Average total assets | $56,559,500 | 6,292 |
| Average earning assets | $46,665,500 | 6,467 |
| Average equity | $3,261,500 | 7,092 |
| Average total loans | $34,913,000 | 6,083 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5817% | 1,972 |
| Cost of funding earning assets | 1.3631% | 3,496 |
| Net interest margin | 4.2186% | 2,106 |
| Noninterest income to average assets | 0.6965% | 2,859 |
| Noninterest expense to average assets | 4.7841% | 507 |
| Loan and lease loss provision to assets | 1.7483% | 804 |
| Net operating income to assets | -2.2822% | 7,134 |
| Return on assets (ROA) | -2.2787% | 7,148 |
| Pretax return on assets | -2.2787% | 7,108 |
| Return on Equity (ROE) | -36.7872% | 7,310 |
| Retained earnings to average equity (ytd only) | -36.7872% | 7,300 |
| Net charge-offs to loans | 2.0424% | 985 |
| Credit loss provision to net charge-offs | 122.0698% | 3,431 |
| Earnings coverage of net charge-offs (x) | -0.3728% | 6,399 |
| Efficiency ratio | 112.5630% | 497 |
| Assets per employee ($millions) | 2.4923% | 7,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8121% | 1,039 |
| Loan loss allowance to noncurrent loans | 68.6207% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 7.0581% | 768 |
| Noncurrent loans to loans | 4.0980% | 1,765 |
| Net loans and leases to total assets | 59.9888% | 4,684 |
| Net loans and leases to deposits | 63.3845% | 5,701 |
| Net loans and leases to core deposits | 74.1041% | 4,970 |
| Total domestic deposits to total assets | 94.6427% | 65 |
| Equity capital to assets | 5.0380% | 7,430 |
| Core capital (leverage) ratio | 4.7534% | 7,436 |
| Tier 1 risk-based capital ratio | 7.5126% | 7,387 |
| Total risk-based capital ratio | 8.7807% | 7,390 |
| Memoranda: | ||
| Average total assets | $55,997,800 | 6,339 |
| Average earning assets | $47,171,800 | 6,470 |
| Average equity | $3,468,600 | 7,140 |
| Average total loans | $39,268,000 | 5,952 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7015% | 1,712 |
| Cost of funding earning assets | 1.4055% | 3,550 |
| Net interest margin | 4.2959% | 1,861 |
| Noninterest income to average assets | 0.7066% | 2,788 |
| Noninterest expense to average assets | 4.8263% | 437 |
| Loan and lease loss provision to assets | 2.2060% | 507 |
| Net operating income to assets | -2.6946% | 7,388 |
| Return on assets (ROA) | -2.6946% | 7,409 |
| Pretax return on assets | -2.6946% | 7,359 |
| Return on Equity (ROE) | -41.5070% | 7,510 |
| Retained earnings to average equity (ytd only) | -41.5070% | 7,508 |
| Net charge-offs to loans | 1.0272% | 1,963 |
| Credit loss provision to net charge-offs | 297.0968% | 1,077 |
| Earnings coverage of net charge-offs (x) | -0.6581% | 6,378 |
| Efficiency ratio | 111.2645% | 504 |
| Assets per employee ($millions) | 2.4401% | 7,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7951% | 433 |
| Loan loss allowance to noncurrent loans | 54.1698% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 7.9860% | 630 |
| Noncurrent loans to loans | 7.0059% | 805 |
| Net loans and leases to total assets | 64.5457% | 4,010 |
| Net loans and leases to deposits | 68.4524% | 5,356 |
| Net loans and leases to core deposits | 81.9329% | 4,257 |
| Total domestic deposits to total assets | 94.2929% | 66 |
| Equity capital to assets | 5.4434% | 7,538 |
| Core capital (leverage) ratio | 5.1309% | 7,535 |
| Tier 1 risk-based capital ratio | 7.6686% | 7,507 |
| Total risk-based capital ratio | 8.9485% | 7,506 |
| Memoranda: | ||
| Average total assets | $55,666,250 | 6,425 |
| Average earning assets | $47,051,000 | 6,557 |
| Average equity | $3,613,750 | 7,196 |
| Average total loans | $40,239,250 | 5,997 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7584% | 1,534 |
| Cost of funding earning assets | 1.4544% | 3,535 |
| Net interest margin | 4.3040% | 1,762 |
| Noninterest income to average assets | 0.7962% | 2,137 |
| Noninterest expense to average assets | 4.8420% | 423 |
| Loan and lease loss provision to assets | 2.2733% | 516 |
| Net operating income to assets | -2.6624% | 7,452 |
| Return on assets (ROA) | -2.6624% | 7,461 |
| Pretax return on assets | -2.6624% | 7,405 |
| Return on Equity (ROE) | -38.8947% | 7,525 |
| Retained earnings to average equity (ytd only) | -38.8947% | 7,517 |
| Net charge-offs to loans | 0.4039% | 3,367 |
| Credit loss provision to net charge-offs | 760.2410% | 488 |
| Earnings coverage of net charge-offs (x) | -1.3012% | 6,161 |
| Efficiency ratio | 108.7379% | 573 |
| Assets per employee ($millions) | 2.4281% | 7,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3848% | 599 |
| Loan loss allowance to noncurrent loans | 47.6955% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 7.1411% | 734 |
| Noncurrent loans to loans | 7.0967% | 793 |
| Net loans and leases to total assets | 69.8188% | 2,948 |
| Net loans and leases to deposits | 74.5654% | 4,586 |
| Net loans and leases to core deposits | 90.1714% | 3,229 |
| Total domestic deposits to total assets | 93.6343% | 86 |
| Equity capital to assets | 6.1401% | 7,518 |
| Core capital (leverage) ratio | 5.7606% | 7,516 |
| Tier 1 risk-based capital ratio | 8.3614% | 7,495 |
| Total risk-based capital ratio | 9.6384% | 7,504 |
| Memoranda: | ||
| Average total assets | $55,514,000 | 6,475 |
| Average earning assets | $47,165,670 | 6,585 |
| Average equity | $3,800,000 | 7,180 |
| Average total loans | $41,101,000 | 6,006 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0204% | 938 |
| Cost of funding earning assets | 1.5030% | 3,533 |
| Net interest margin | 4.5174% | 1,103 |
| Noninterest income to average assets | 0.8239% | 1,919 |
| Noninterest expense to average assets | 4.9722% | 373 |
| Loan and lease loss provision to assets | 2.1536% | 506 |
| Net operating income to assets | -2.4572% | 7,547 |
| Return on assets (ROA) | -2.4572% | 7,551 |
| Pretax return on assets | -2.4572% | 7,505 |
| Return on Equity (ROE) | -34.1237% | 7,609 |
| Retained earnings to average equity (ytd only) | -34.1237% | 7,589 |
| Net charge-offs to loans | 0.0289% | 5,166 |
| Credit loss provision to net charge-offs | 9,933.3333% | 44 |
| Earnings coverage of net charge-offs (x) | -14.0000% | 5,571 |
| Efficiency ratio | 106.5015% | 669 |
| Assets per employee ($millions) | 1.9399% | 7,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6741% | 1,103 |
| Loan loss allowance to noncurrent loans | 83.0597% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 3.9675% | 1,736 |
| Noncurrent loans to loans | 3.2195% | 2,478 |
| Net loans and leases to total assets | 74.5770% | 1,839 |
| Net loans and leases to deposits | 80.3507% | 3,592 |
| Net loans and leases to core deposits | 94.8976% | 2,718 |
| Total domestic deposits to total assets | 92.8144% | 137 |
| Equity capital to assets | 7.0291% | 7,354 |
| Core capital (leverage) ratio | 6.5185% | 7,458 |
| Tier 1 risk-based capital ratio | 8.9918% | 7,476 |
| Total risk-based capital ratio | 10.2603% | 7,485 |
| Memoranda: | ||
| Average total assets | $55,348,000 | 6,560 |
| Average earning assets | $47,106,500 | 6,663 |
| Average equity | $3,985,500 | 7,196 |
| Average total loans | $41,473,000 | 6,051 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1527% | 1,367 |
| Cost of funding earning assets | 1.8493% | 3,737 |
| Net interest margin | 4.3033% | 1,709 |
| Noninterest income to average assets | 0.8329% | 2,259 |
| Noninterest expense to average assets | 4.9691% | 528 |
| Loan and lease loss provision to assets | 1.9827% | 1,095 |
| Net operating income to assets | -2.4329% | 7,245 |
| Return on assets (ROA) | -2.4329% | 7,249 |
| Pretax return on assets | -2.4329% | 7,126 |
| Return on Equity (ROE) | -32.9509% | 7,457 |
| Retained earnings to average equity (ytd only) | -32.9509% | 7,441 |
| Net charge-offs to loans | 1.6842% | 1,498 |
| Credit loss provision to net charge-offs | 158.9158% | 2,818 |
| Earnings coverage of net charge-offs (x) | -0.3609% | 6,590 |
| Efficiency ratio | 108.4679% | 832 |
| Assets per employee ($millions) | 1.7085% | 7,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9794% | 2,077 |
| Loan loss allowance to noncurrent loans | 64.4094% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 3.6982% | 1,802 |
| Noncurrent loans to loans | 3.0732% | 2,496 |
| Net loans and leases to total assets | 71.8477% | 2,790 |
| Net loans and leases to deposits | 77.6636% | 4,443 |
| Net loans and leases to core deposits | 92.5663% | 4,821 |
| Total domestic deposits to total assets | 92.5114% | 177 |
| Equity capital to assets | 7.3662% | 7,149 |
| Core capital (leverage) ratio | 6.9782% | 7,257 |
| Tier 1 risk-based capital ratio | 10.4992% | 6,400 |
| Total risk-based capital ratio | 11.7602% | 6,362 |
| Memoranda: | ||
| Average total assets | $56,187,000 | 6,487 |
| Average earning assets | $48,125,400 | 6,595 |
| Average equity | $4,148,600 | 7,231 |
| Average total loans | $41,622,600 | 6,028 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2632% | 1,211 |
| Cost of funding earning assets | 1.9289% | 3,732 |
| Net interest margin | 4.3344% | 1,629 |
| Noninterest income to average assets | 0.7956% | 2,452 |
| Noninterest expense to average assets | 4.9495% | 504 |
| Loan and lease loss provision to assets | 1.5461% | 1,233 |
| Net operating income to assets | -1.9855% | 7,313 |
| Return on assets (ROA) | -1.9855% | 7,313 |
| Pretax return on assets | -1.9855% | 7,178 |
| Return on Equity (ROE) | -26.8750% | 7,545 |
| Retained earnings to average equity (ytd only) | -26.8750% | 7,530 |
| Net charge-offs to loans | 0.6075% | 2,854 |
| Credit loss provision to net charge-offs | 342.6316% | 1,193 |
| Earnings coverage of net charge-offs (x) | -0.9737% | 6,625 |
| Efficiency ratio | 107.7409% | 813 |
| Assets per employee ($millions) | 1.7577% | 7,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0080% | 1,780 |
| Loan loss allowance to noncurrent loans | 61.3749% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 3.3876% | 1,976 |
| Noncurrent loans to loans | 3.2717% | 2,314 |
| Net loans and leases to total assets | 72.8575% | 2,834 |
| Net loans and leases to deposits | 79.3351% | 4,502 |
| Net loans and leases to core deposits | 95.3607% | 4,889 |
| Total domestic deposits to total assets | 91.8352% | 201 |
| Equity capital to assets | 8.0821% | 6,767 |
| Core capital (leverage) ratio | 7.7266% | 6,694 |
| Tier 1 risk-based capital ratio | 10.7477% | 6,211 |
| Total risk-based capital ratio | 12.0083% | 6,165 |
| Memoranda: | ||
| Average total assets | $56,139,000 | 6,539 |
| Average earning assets | $48,110,500 | 6,642 |
| Average equity | $4,147,500 | 7,304 |
| Average total loans | $41,697,000 | 6,076 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3356% | 1,126 |
| Cost of funding earning assets | 2.0488% | 3,528 |
| Net interest margin | 4.2868% | 1,684 |
| Noninterest income to average assets | 0.7889% | 2,471 |
| Noninterest expense to average assets | 5.0003% | 513 |
| Loan and lease loss provision to assets | 0.1585% | 5,486 |
| Net operating income to assets | -0.6989% | 6,751 |
| Return on assets (ROA) | -0.6989% | 6,751 |
| Pretax return on assets | -0.6989% | 6,601 |
| Return on Equity (ROE) | -9.7799% | 7,015 |
| Retained earnings to average equity (ytd only) | -9.7799% | 6,851 |
| Net charge-offs to loans | 0.1067% | 5,093 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | -6.8182% | 6,488 |
| Efficiency ratio | 109.0468% | 874 |
| Assets per employee ($millions) | 1.7780% | 7,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 6,219 |
| Loan loss allowance to noncurrent loans | 74.6503% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.3669% | 4,228 |
| Noncurrent loans to loans | 1.3429% | 4,526 |
| Net loans and leases to total assets | 71.8649% | 3,255 |
| Net loans and leases to deposits | 77.7311% | 4,918 |
| Net loans and leases to core deposits | 92.3114% | 5,312 |
| Total domestic deposits to total assets | 92.4532% | 149 |
| Equity capital to assets | 7.4070% | 7,344 |
| Core capital (leverage) ratio | 7.4857% | 7,040 |
| Tier 1 risk-based capital ratio | 10.0932% | 6,825 |
| Total risk-based capital ratio | 11.1106% | 7,007 |
| Memoranda: | ||
| Average total assets | $55,517,000 | 6,616 |
| Average earning assets | $47,541,000 | 6,730 |
| Average equity | $3,967,330 | 7,430 |
| Average total loans | $41,220,330 | 6,148 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3574% | 1,163 |
| Cost of funding earning assets | 2.1685% | 3,324 |
| Net interest margin | 4.1889% | 1,939 |
| Noninterest income to average assets | 0.7045% | 2,863 |
| Noninterest expense to average assets | 5.2059% | 425 |
| Loan and lease loss provision to assets | 0.1631% | 4,847 |
| Net operating income to assets | -1.0975% | 7,306 |
| Return on assets (ROA) | -1.0975% | 7,318 |
| Pretax return on assets | -1.0975% | 7,199 |
| Return on Equity (ROE) | -15.6697% | 7,633 |
| Retained earnings to average equity (ytd only) | -15.6697% | 7,471 |
| Net charge-offs to loans | 0.2368% | 3,221 |
| Credit loss provision to net charge-offs | 91.6667% | 3,971 |
| Earnings coverage of net charge-offs (x) | -5.2500% | 5,571 |
| Efficiency ratio | 115.2778% | 706 |
| Assets per employee ($millions) | 1.7380% | 8,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 6,509 |
| Loan loss allowance to noncurrent loans | 503.7500% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 5,802 |
| Noncurrent loans to loans | 0.1881% | 6,992 |
| Net loans and leases to total assets | 75.7314% | 2,339 |
| Net loans and leases to deposits | 81.8350% | 4,317 |
| Net loans and leases to core deposits | 95.1067% | 5,050 |
| Total domestic deposits to total assets | 92.5416% | 117 |
| Equity capital to assets | 7.3128% | 7,484 |
| Core capital (leverage) ratio | 8.7921% | 5,005 |
| Tier 1 risk-based capital ratio | 9.2102% | 7,667 |
| Total risk-based capital ratio | 10.1541% | 7,885 |
| Memoranda: | ||
| Average total assets | $53,938,500 | 6,712 |
| Average earning assets | $45,930,500 | 6,842 |
| Average equity | $3,778,000 | 7,528 |
| Average total loans | $40,534,000 | 6,214 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6605% | 2,199 |
| Cost of funding earning assets | 2.9293% | 2,146 |
| Net interest margin | 3.7312% | 4,319 |
| Noninterest income to average assets | 0.9930% | 1,598 |
| Noninterest expense to average assets | 6.6338% | 319 |
| Loan and lease loss provision to assets | 0.0676% | 6,547 |
| Net operating income to assets | -2.6594% | 7,750 |
| Return on assets (ROA) | -2.6594% | 7,722 |
| Pretax return on assets | -2.6594% | 7,632 |
| Return on Equity (ROE) | -30.1445% | 7,965 |
| Retained earnings to average equity (ytd only) | -30.1445% | 7,916 |
| Net charge-offs to loans | 0.7728% | 1,612 |
| Credit loss provision to net charge-offs | 13.8249% | 6,603 |
| Earnings coverage of net charge-offs (x) | -5.3041% | 6,840 |
| Efficiency ratio | 150.4178% | 348 |
| Assets per employee ($millions) | 1.3753% | 8,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 5,600 |
| Loan loss allowance to noncurrent loans | 232.0000% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 1.0179% | 4,284 |
| Noncurrent loans to loans | 0.4540% | 5,985 |
| Net loans and leases to total assets | 72.9804% | 3,362 |
| Net loans and leases to deposits | 78.2668% | 5,301 |
| Net loans and leases to core deposits | 89.2688% | 5,867 |
| Total domestic deposits to total assets | 93.2456% | 45 |
| Equity capital to assets | 6.6760% | 7,879 |
| Core capital (leverage) ratio | 7.2271% | 7,495 |
| Tier 1 risk-based capital ratio | 8.6271% | 7,961 |
| Total risk-based capital ratio | 9.6391% | 8,061 |
| Memoranda: | ||
| Average total assets | $44,408,800 | 7,009 |
| Average earning assets | $36,288,800 | 7,230 |
| Average equity | $3,917,800 | 7,548 |
| Average total loans | $28,078,400 | 6,839 |