Home > Lakewood Bank > Performance and Condition Ratios
Lakewood 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 | 5.5472% | 1,149 |
| Cost of funding earning assets | 1.0256% | 3,501 |
| Net interest margin | 4.5216% | 1,095 |
| Noninterest income to average assets | 0.3102% | 5,383 |
| Noninterest expense to average assets | 2.7705% | 4,462 |
| Loan and lease loss provision to assets | 0.7141% | 1,344 |
| Net operating income to assets | 0.4171% | 4,921 |
| Return on assets (ROA) | 0.4171% | 5,113 |
| Pretax return on assets | 0.7331% | 4,369 |
| Return on Equity (ROE) | 2.9468% | 5,440 |
| Retained earnings to average equity (ytd only) | -1.0624% | 6,167 |
| Net charge-offs to loans | 1.4592% | 1,007 |
| Credit loss provision to net charge-offs | 66.2862% | 4,594 |
| Earnings coverage of net charge-offs (x) | 1.3433% | 4,609 |
| Efficiency ratio | 64.3642% | 5,003 |
| Assets per employee ($millions) | 4.8310% | 2,430 |
| Cash dividends to net income (ytd only)* | 136.0533% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 5,218 |
| Loan loss allowance to noncurrent loans | 53.7370% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 5.0900% | 1,130 |
| Noncurrent loans to loans | 2.3360% | 2,962 |
| Net loans and leases to total assets | 72.2618% | 1,655 |
| Net loans and leases to deposits | 84.4762% | 1,921 |
| Net loans and leases to core deposits | 87.6011% | 2,543 |
| Total domestic deposits to total assets | 85.5409% | 3,466 |
| Equity capital to assets | 14.2178% | 1,081 |
| Core capital (leverage) ratio | 8.5164% | 5,687 |
| Tier 1 risk-based capital ratio | 11.2908% | 6,368 |
| Total risk-based capital ratio | 12.5420% | 6,363 |
| Memoranda: | ||
| Average total assets | $140,959,000 | 3,976 |
| Average earning assets | $121,812,250 | 4,115 |
| Average equity | $19,953,250 | 3,147 |
| Average total loans | $104,073,750 | 3,544 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4431% | 1,435 |
| Cost of funding earning assets | 1.0867% | 3,340 |
| Net interest margin | 4.3565% | 1,495 |
| Noninterest income to average assets | 0.5621% | 3,385 |
| Noninterest expense to average assets | 2.8164% | 4,360 |
| Loan and lease loss provision to assets | 0.6584% | 1,461 |
| Net operating income to assets | 0.4970% | 4,512 |
| Return on assets (ROA) | 0.4970% | 4,652 |
| Pretax return on assets | 0.8680% | 3,768 |
| Return on Equity (ROE) | 3.5162% | 5,164 |
| Retained earnings to average equity (ytd only) | 0.0100% | 5,828 |
| Net charge-offs to loans | 1.2735% | 1,221 |
| Credit loss provision to net charge-offs | 69.8198% | 4,060 |
| Earnings coverage of net charge-offs (x) | 1.6186% | 4,078 |
| Efficiency ratio | 63.5800% | 5,323 |
| Assets per employee ($millions) | 4.8937% | 2,269 |
| Cash dividends to net income (ytd only)* | 99.7151% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 4,560 |
| Loan loss allowance to noncurrent loans | 32.2510% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 6.0825% | 920 |
| Noncurrent loans to loans | 4.3463% | 1,550 |
| Net loans and leases to total assets | 72.8600% | 1,626 |
| Net loans and leases to deposits | 85.1162% | 1,928 |
| Net loans and leases to core deposits | 88.8019% | 2,526 |
| Total domestic deposits to total assets | 85.6006% | 3,560 |
| Equity capital to assets | 14.1196% | 1,059 |
| Core capital (leverage) ratio | 8.7559% | 5,128 |
| Tier 1 risk-based capital ratio | 11.4485% | 6,204 |
| Total risk-based capital ratio | 12.7010% | 6,194 |
| Memoranda: | ||
| Average total assets | $141,245,670 | 4,008 |
| Average earning assets | $122,576,670 | 4,136 |
| Average equity | $19,964,670 | 3,130 |
| Average total loans | $104,590,000 | 3,570 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4016% | 1,549 |
| Cost of funding earning assets | 1.1442% | 3,195 |
| Net interest margin | 4.2573% | 1,710 |
| Noninterest income to average assets | 0.5393% | 3,586 |
| Noninterest expense to average assets | 2.8387% | 4,300 |
| Loan and lease loss provision to assets | 0.7948% | 1,066 |
| Net operating income to assets | 0.3435% | 5,204 |
| Return on assets (ROA) | 0.3435% | 5,284 |
| Pretax return on assets | 0.6132% | 4,640 |
| Return on Equity (ROE) | 2.4287% | 5,625 |
| Retained earnings to average equity (ytd only) | -2.5893% | 6,234 |
| Net charge-offs to loans | 1.2599% | 1,097 |
| Credit loss provision to net charge-offs | 85.1064% | 3,037 |
| Earnings coverage of net charge-offs (x) | 1.5076% | 3,578 |
| Efficiency ratio | 65.5080% | 5,123 |
| Assets per employee ($millions) | 4.9974% | 2,168 |
| Cash dividends to net income (ytd only)* | 206.6116% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 3,884 |
| Loan loss allowance to noncurrent loans | 45.4851% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 4.9154% | 1,286 |
| Noncurrent loans to loans | 3.4458% | 2,172 |
| Net loans and leases to total assets | 72.7982% | 1,556 |
| Net loans and leases to deposits | 85.0179% | 1,873 |
| Net loans and leases to core deposits | 88.7434% | 2,514 |
| Total domestic deposits to total assets | 85.6269% | 3,724 |
| Equity capital to assets | 14.1809% | 952 |
| Core capital (leverage) ratio | 8.6724% | 5,136 |
| Tier 1 risk-based capital ratio | 11.3607% | 6,206 |
| Total risk-based capital ratio | 12.6149% | 6,189 |
| Memoranda: | ||
| Average total assets | $140,910,500 | 4,046 |
| Average earning assets | $122,705,500 | 4,168 |
| Average equity | $19,928,000 | 3,126 |
| Average total loans | $104,450,000 | 3,611 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8679% | 1,108 |
| Cost of funding earning assets | 1.6169% | 1,970 |
| Net interest margin | 4.2510% | 1,989 |
| Noninterest income to average assets | 0.5363% | 3,911 |
| Noninterest expense to average assets | 2.8851% | 4,296 |
| Loan and lease loss provision to assets | 0.2755% | 4,604 |
| Net operating income to assets | 0.6235% | 3,570 |
| Return on assets (ROA) | 0.6235% | 3,731 |
| Pretax return on assets | 1.0830% | 2,648 |
| Return on Equity (ROE) | 4.4839% | 4,307 |
| Retained earnings to average equity (ytd only) | 0.9730% | 5,062 |
| Net charge-offs to loans | 0.5249% | 3,523 |
| Credit loss provision to net charge-offs | 67.8694% | 5,915 |
| Earnings coverage of net charge-offs (x) | 3.3471% | 3,405 |
| Efficiency ratio | 66.6886% | 4,820 |
| Assets per employee ($millions) | 4.7298% | 2,521 |
| Cash dividends to net income (ytd only)* | 78.2998% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5852% | 3,641 |
| Loan loss allowance to noncurrent loans | 37.1004% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 4.5950% | 1,451 |
| Noncurrent loans to loans | 4.2727% | 1,694 |
| Net loans and leases to total assets | 73.1128% | 1,846 |
| Net loans and leases to deposits | 85.9425% | 2,110 |
| Net loans and leases to core deposits | 90.1454% | 2,749 |
| Total domestic deposits to total assets | 85.0718% | 3,817 |
| Equity capital to assets | 14.1043% | 1,002 |
| Core capital (leverage) ratio | 8.5703% | 5,239 |
| Tier 1 risk-based capital ratio | 11.2907% | 6,098 |
| Total risk-based capital ratio | 12.5453% | 6,081 |
| Memoranda: | ||
| Average total assets | $143,392,000 | 3,996 |
| Average earning assets | $125,052,200 | 4,131 |
| Average equity | $19,938,000 | 3,153 |
| Average total loans | $110,868,600 | 3,525 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8374% | 1,288 |
| Cost of funding earning assets | 1.7332% | 1,708 |
| Net interest margin | 4.1042% | 2,603 |
| Noninterest income to average assets | 0.6742% | 2,989 |
| Noninterest expense to average assets | 2.8267% | 4,367 |
| Loan and lease loss provision to assets | 0.3107% | 4,094 |
| Net operating income to assets | 0.6399% | 3,698 |
| Return on assets (ROA) | 0.6399% | 3,867 |
| Pretax return on assets | 1.1120% | 2,788 |
| Return on Equity (ROE) | 4.6185% | 4,489 |
| Retained earnings to average equity (ytd only) | 1.6064% | 5,151 |
| Net charge-offs to loans | 0.4312% | 3,571 |
| Credit loss provision to net charge-offs | 92.2865% | 4,680 |
| Earnings coverage of net charge-offs (x) | 4.2259% | 3,146 |
| Efficiency ratio | 65.2335% | 5,013 |
| Assets per employee ($millions) | 4.7549% | 2,517 |
| Cash dividends to net income (ytd only)* | 65.2177% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 3,281 |
| Loan loss allowance to noncurrent loans | 43.2420% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 4.4430% | 1,526 |
| Noncurrent loans to loans | 3.8457% | 1,986 |
| Net loans and leases to total assets | 73.4142% | 1,927 |
| Net loans and leases to deposits | 87.3003% | 2,109 |
| Net loans and leases to core deposits | 91.4333% | 2,884 |
| Total domestic deposits to total assets | 84.0938% | 4,067 |
| Equity capital to assets | 13.6409% | 1,299 |
| Core capital (leverage) ratio | 8.3703% | 5,754 |
| Tier 1 risk-based capital ratio | 10.8967% | 6,463 |
| Total risk-based capital ratio | 12.1522% | 6,444 |
| Memoranda: | ||
| Average total assets | $143,766,750 | 4,042 |
| Average earning assets | $125,235,750 | 4,178 |
| Average equity | $19,919,250 | 3,197 |
| Average total loans | $112,232,500 | 3,546 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8509% | 1,302 |
| Cost of funding earning assets | 1.8260% | 1,539 |
| Net interest margin | 4.0249% | 2,900 |
| Noninterest income to average assets | 0.6285% | 3,142 |
| Noninterest expense to average assets | 2.7582% | 4,669 |
| Loan and lease loss provision to assets | 0.2315% | 4,600 |
| Net operating income to assets | 0.6524% | 3,615 |
| Return on assets (ROA) | 0.6524% | 3,771 |
| Pretax return on assets | 1.1364% | 2,650 |
| Return on Equity (ROE) | 4.6836% | 4,446 |
| Retained earnings to average equity (ytd only) | 2.1655% | 4,768 |
| Net charge-offs to loans | 0.3364% | 3,650 |
| Credit loss provision to net charge-offs | 86.8421% | 4,523 |
| Earnings coverage of net charge-offs (x) | 5.1316% | 2,739 |
| Efficiency ratio | 65.5219% | 5,063 |
| Assets per employee ($millions) | 4.7935% | 2,458 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6416% | 3,284 |
| Loan loss allowance to noncurrent loans | 38.5327% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 5.5214% | 1,116 |
| Noncurrent loans to loans | 4.2602% | 1,747 |
| Net loans and leases to total assets | 76.3741% | 1,422 |
| Net loans and leases to deposits | 91.5348% | 1,609 |
| Net loans and leases to core deposits | 96.4699% | 2,397 |
| Total domestic deposits to total assets | 83.4372% | 4,372 |
| Equity capital to assets | 13.9308% | 1,188 |
| Core capital (leverage) ratio | 8.5105% | 5,385 |
| Tier 1 risk-based capital ratio | 10.6344% | 6,579 |
| Total risk-based capital ratio | 11.8896% | 6,572 |
| Memoranda: | ||
| Average total assets | $142,555,000 | 4,082 |
| Average earning assets | $123,877,670 | 4,232 |
| Average equity | $19,856,670 | 3,191 |
| Average total loans | $112,962,000 | 3,560 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0582% | 866 |
| Cost of funding earning assets | 1.8807% | 1,533 |
| Net interest margin | 4.1775% | 2,131 |
| Noninterest income to average assets | 0.5270% | 3,837 |
| Noninterest expense to average assets | 2.6548% | 5,127 |
| Loan and lease loss provision to assets | 0.2536% | 4,014 |
| Net operating income to assets | 0.7271% | 3,324 |
| Return on assets (ROA) | 0.7271% | 3,432 |
| Pretax return on assets | 1.2682% | 2,141 |
| Return on Equity (ROE) | 5.2204% | 4,247 |
| Retained earnings to average equity (ytd only) | 0.1619% | 5,761 |
| Net charge-offs to loans | 0.2288% | 3,548 |
| Credit loss provision to net charge-offs | 138.4615% | 2,554 |
| Earnings coverage of net charge-offs (x) | 8.3077% | 1,974 |
| Efficiency ratio | 62.2132% | 5,794 |
| Assets per employee ($millions) | 4.9277% | 2,331 |
| Cash dividends to net income (ytd only)* | 96.8992% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6560% | 3,227 |
| Loan loss allowance to noncurrent loans | 25.3125% | 6,712 |
| Noncurrent assets plus other real estate owned to assets | 6.1937% | 947 |
| Noncurrent loans to loans | 6.5422% | 953 |
| Net loans and leases to total assets | 78.2518% | 1,103 |
| Net loans and leases to deposits | 93.3220% | 1,432 |
| Net loans and leases to core deposits | 99.0908% | 2,226 |
| Total domestic deposits to total assets | 83.8514% | 4,215 |
| Equity capital to assets | 13.8359% | 1,195 |
| Core capital (leverage) ratio | 8.4710% | 5,423 |
| Tier 1 risk-based capital ratio | 10.3447% | 6,765 |
| Total risk-based capital ratio | 11.5998% | 6,762 |
| Memoranda: | ||
| Average total assets | $141,930,500 | 4,159 |
| Average earning assets | $123,997,500 | 4,287 |
| Average equity | $19,768,500 | 3,224 |
| Average total loans | $113,612,000 | 3,601 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4248% | 785 |
| Cost of funding earning assets | 1.8944% | 3,489 |
| Net interest margin | 4.5304% | 1,113 |
| Noninterest income to average assets | 0.4249% | 5,007 |
| Noninterest expense to average assets | 2.4476% | 6,311 |
| Loan and lease loss provision to assets | 0.5784% | 3,492 |
| Net operating income to assets | 0.7872% | 2,579 |
| Return on assets (ROA) | 0.7872% | 2,668 |
| Pretax return on assets | 1.3642% | 1,518 |
| Return on Equity (ROE) | 5.5081% | 3,417 |
| Retained earnings to average equity (ytd only) | 0.9265% | 4,375 |
| Net charge-offs to loans | 0.0705% | 6,412 |
| Credit loss provision to net charge-offs | 969.5122% | 303 |
| Earnings coverage of net charge-offs (x) | 32.5610% | 713 |
| Efficiency ratio | 54.4415% | 7,183 |
| Assets per employee ($millions) | 5.0342% | 2,172 |
| Cash dividends to net income (ytd only)* | 83.1793% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6368% | 3,143 |
| Loan loss allowance to noncurrent loans | 31.3111% | 6,377 |
| Noncurrent assets plus other real estate owned to assets | 5.2434% | 1,135 |
| Noncurrent loans to loans | 5.2275% | 1,262 |
| Net loans and leases to total assets | 79.2142% | 1,146 |
| Net loans and leases to deposits | 94.7121% | 1,501 |
| Net loans and leases to core deposits | 123.2918% | 1,691 |
| Total domestic deposits to total assets | 83.6369% | 4,209 |
| Equity capital to assets | 14.0220% | 1,163 |
| Core capital (leverage) ratio | 8.7068% | 4,917 |
| Tier 1 risk-based capital ratio | 10.4382% | 6,459 |
| Total risk-based capital ratio | 11.6940% | 6,423 |
| Memoranda: | ||
| Average total assets | $137,443,400 | 4,178 |
| Average earning assets | $120,298,800 | 4,307 |
| Average equity | $19,643,800 | 3,259 |
| Average total loans | $116,252,600 | 3,563 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5146% | 724 |
| Cost of funding earning assets | 1.8952% | 3,909 |
| Net interest margin | 4.6194% | 958 |
| Noninterest income to average assets | 0.3612% | 5,610 |
| Noninterest expense to average assets | 2.3812% | 6,473 |
| Loan and lease loss provision to assets | 0.3368% | 4,313 |
| Net operating income to assets | 0.9812% | 2,124 |
| Return on assets (ROA) | 0.9812% | 2,184 |
| Pretax return on assets | 1.6910% | 987 |
| Return on Equity (ROE) | 6.8319% | 3,145 |
| Retained earnings to average equity (ytd only) | 0.7138% | 4,887 |
| Net charge-offs to loans | 0.0308% | 6,460 |
| Credit loss provision to net charge-offs | 1,277.7778% | 298 |
| Earnings coverage of net charge-offs (x) | 76.9239% | 442 |
| Efficiency ratio | 52.7015% | 7,357 |
| Assets per employee ($millions) | 4.4275% | 2,980 |
| Cash dividends to net income (ytd only)* | 89.5520% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 4,822 |
| Loan loss allowance to noncurrent loans | 21.4045% | 7,012 |
| Noncurrent assets plus other real estate owned to assets | 5.2823% | 1,099 |
| Noncurrent loans to loans | 5.8423% | 1,032 |
| Net loans and leases to total assets | 84.1735% | 522 |
| Net loans and leases to deposits | 105.0035% | 709 |
| Net loans and leases to core deposits | 135.6404% | 1,116 |
| Total domestic deposits to total assets | 80.1626% | 5,382 |
| Equity capital to assets | 14.3409% | 1,192 |
| Core capital (leverage) ratio | 8.6710% | 5,180 |
| Tier 1 risk-based capital ratio | 10.2761% | 6,709 |
| Total risk-based capital ratio | 11.5271% | 6,652 |
| Memoranda: | ||
| Average total assets | $136,565,000 | 4,220 |
| Average earning assets | $119,666,000 | 4,354 |
| Average equity | $19,613,500 | 3,301 |
| Average total loans | $116,936,750 | 3,570 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4900% | 844 |
| Cost of funding earning assets | 1.8937% | 4,294 |
| Net interest margin | 4.5962% | 960 |
| Noninterest income to average assets | 0.3389% | 5,803 |
| Noninterest expense to average assets | 2.3295% | 6,675 |
| Loan and lease loss provision to assets | 0.2641% | 4,465 |
| Net operating income to assets | 1.0283% | 2,009 |
| Return on assets (ROA) | 1.0283% | 2,091 |
| Pretax return on assets | 1.7721% | 893 |
| Return on Equity (ROE) | 7.1566% | 3,130 |
| Retained earnings to average equity (ytd only) | 0.5207% | 4,995 |
| Net charge-offs to loans | 0.0376% | 5,933 |
| Credit loss provision to net charge-offs | 818.1818% | 575 |
| Earnings coverage of net charge-offs (x) | 63.0909% | 570 |
| Efficiency ratio | 52.0497% | 7,508 |
| Assets per employee ($millions) | 4.9506% | 2,142 |
| Cash dividends to net income (ytd only)* | 92.7247% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 5,663 |
| Loan loss allowance to noncurrent loans | 40.0800% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 2.3835% | 2,721 |
| Noncurrent loans to loans | 2.7226% | 2,643 |
| Net loans and leases to total assets | 85.2032% | 475 |
| Net loans and leases to deposits | 113.7066% | 407 |
| Net loans and leases to core deposits | 144.1366% | 833 |
| Total domestic deposits to total assets | 74.9325% | 6,776 |
| Equity capital to assets | 14.1605% | 1,257 |
| Core capital (leverage) ratio | 8.6091% | 5,251 |
| Tier 1 risk-based capital ratio | 9.8669% | 7,072 |
| Total risk-based capital ratio | 11.0280% | 7,102 |
| Memoranda: | ||
| Average total assets | $136,336,330 | 4,254 |
| Average earning assets | $119,446,000 | 4,387 |
| Average equity | $19,590,330 | 3,309 |
| Average total loans | $116,918,330 | 3,606 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3534% | 1,172 |
| Cost of funding earning assets | 1.9476% | 4,388 |
| Net interest margin | 4.4058% | 1,329 |
| Noninterest income to average assets | 0.3432% | 5,709 |
| Noninterest expense to average assets | 2.1717% | 6,940 |
| Loan and lease loss provision to assets | 0.2663% | 3,829 |
| Net operating income to assets | 1.0178% | 2,236 |
| Return on assets (ROA) | 1.0178% | 2,373 |
| Pretax return on assets | 1.7604% | 1,059 |
| Return on Equity (ROE) | 7.0308% | 3,579 |
| Retained earnings to average equity (ytd only) | 0.8993% | 5,293 |
| Net charge-offs to loans | 0.0104% | 5,488 |
| Credit loss provision to net charge-offs | 3,000.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 228.3333% | 188 |
| Efficiency ratio | 50.3171% | 7,567 |
| Assets per employee ($millions) | 4.6613% | 2,497 |
| Cash dividends to net income (ytd only)* | 87.2093% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 5,751 |
| Loan loss allowance to noncurrent loans | 35.4430% | 6,194 |
| Noncurrent assets plus other real estate owned to assets | 2.5714% | 2,228 |
| Noncurrent loans to loans | 2.9896% | 2,183 |
| Net loans and leases to total assets | 85.1012% | 536 |
| Net loans and leases to deposits | 119.0153% | 314 |
| Net loans and leases to core deposits | 151.5027% | 657 |
| Total domestic deposits to total assets | 71.5044% | 7,279 |
| Equity capital to assets | 14.5045% | 1,233 |
| Core capital (leverage) ratio | 8.7199% | 5,121 |
| Tier 1 risk-based capital ratio | 10.0432% | 6,866 |
| Total risk-based capital ratio | 11.1637% | 6,916 |
| Memoranda: | ||
| Average total assets | $135,195,500 | 4,310 |
| Average earning assets | $118,299,500 | 4,426 |
| Average equity | $19,571,000 | 3,328 |
| Average total loans | $115,672,500 | 3,660 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0155% | 1,099 |
| Cost of funding earning assets | 2.4211% | 4,627 |
| Net interest margin | 4.5943% | 1,197 |
| Noninterest income to average assets | 0.4567% | 4,990 |
| Noninterest expense to average assets | 2.4880% | 6,057 |
| Loan and lease loss provision to assets | 0.6768% | 2,146 |
| Net operating income to assets | 0.7204% | 3,802 |
| Return on assets (ROA) | 0.7234% | 3,619 |
| Pretax return on assets | 1.2630% | 2,434 |
| Return on Equity (ROE) | 5.3217% | 4,226 |
| Retained earnings to average equity (ytd only) | 3.3253% | 3,075 |
| Net charge-offs to loans | 0.6629% | 1,867 |
| Credit loss provision to net charge-offs | 122.6124% | 4,382 |
| Earnings coverage of net charge-offs (x) | 3.5056% | 4,334 |
| Efficiency ratio | 54.8642% | 7,168 |
| Assets per employee ($millions) | 4.8290% | 2,143 |
| Cash dividends to net income (ytd only)* | 37.5134% | 3,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 6,105 |
| Loan loss allowance to noncurrent loans | 35.0153% | 6,406 |
| Noncurrent assets plus other real estate owned to assets | 2.4184% | 2,007 |
| Noncurrent loans to loans | 2.8416% | 1,907 |
| Net loans and leases to total assets | 84.2595% | 850 |
| Net loans and leases to deposits | 117.8499% | 446 |
| Net loans and leases to core deposits | 143.6738% | 1,103 |
| Total domestic deposits to total assets | 71.4974% | 7,087 |
| Equity capital to assets | 14.4477% | 1,313 |
| Core capital (leverage) ratio | 8.8846% | 4,918 |
| Tier 1 risk-based capital ratio | 9.9908% | 6,744 |
| Total risk-based capital ratio | 11.0328% | 6,865 |
| Memoranda: | ||
| Average total assets | $128,980,400 | 4,307 |
| Average earning assets | $111,354,200 | 4,488 |
| Average equity | $17,532,000 | 3,638 |
| Average total loans | $107,405,200 | 3,757 |