Home > Main Street Bank > Performance and Condition Ratios
Main Street 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 | 6.0006% | 458 |
| Cost of funding earning assets | 1.6125% | 549 |
| Net interest margin | 4.3880% | 1,442 |
| Noninterest income to average assets | -2.7823% | 7,434 |
| Noninterest expense to average assets | 4.4797% | 588 |
| Loan and lease loss provision to assets | -3.4178% | 7,435 |
| Net operating income to assets | 0.1659% | 5,786 |
| Return on assets (ROA) | 0.1659% | 5,916 |
| Pretax return on assets | 0.2821% | 5,741 |
| Return on Equity (ROE) | 1.0163% | 6,064 |
| Retained earnings to average equity (ytd only) | 1.0163% | 5,605 |
| Net charge-offs to loans | 1.1965% | 1,311 |
| Credit loss provision to net charge-offs | -503.5884% | 6,674 |
| Earnings coverage of net charge-offs (x) | -4.6202% | 6,092 |
| Efficiency ratio | 333.2991% | 17 |
| Assets per employee ($millions) | 4.2921% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 6,111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 5.7397% | 7,382 |
| Net loans and leases to deposits | 7.1714% | 7,383 |
| Net loans and leases to core deposits | 8.2033% | 7,371 |
| Total domestic deposits to total assets | 80.0361% | 5,723 |
| Equity capital to assets | 19.6369% | 267 |
| Core capital (leverage) ratio | 18.3002% | 302 |
| Tier 1 risk-based capital ratio | 204.5582% | 29 |
| Total risk-based capital ratio | 205.2087% | 29 |
| Memoranda: | ||
| Average total assets | $290,163,750 | 2,211 |
| Average earning assets | $272,856,750 | 2,152 |
| Average equity | $47,358,000 | 1,443 |
| Average total loans | $164,587,500 | 2,448 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1832% | 89 |
| Cost of funding earning assets | 1.7053% | 458 |
| Net interest margin | 5.4779% | 183 |
| Noninterest income to average assets | -1.1951% | 7,487 |
| Noninterest expense to average assets | 4.2762% | 763 |
| Loan and lease loss provision to assets | -1.4102% | 7,506 |
| Net operating income to assets | 0.6754% | 3,665 |
| Return on assets (ROA) | 0.6754% | 3,784 |
| Pretax return on assets | 1.1077% | 2,820 |
| Return on Equity (ROE) | 4.3703% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.3703% | 3,411 |
| Net charge-offs to loans | 1.2477% | 1,252 |
| Credit loss provision to net charge-offs | -161.4179% | 6,364 |
| Earnings coverage of net charge-offs (x) | -0.3463% | 5,472 |
| Efficiency ratio | 107.6128% | 523 |
| Assets per employee ($millions) | 3.1083% | 5,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1951% | 767 |
| Loan loss allowance to noncurrent loans | 189.8838% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 1.1341% | 4,623 |
| Noncurrent loans to loans | 1.6827% | 3,902 |
| Net loans and leases to total assets | 65.2484% | 3,198 |
| Net loans and leases to deposits | 83.3243% | 2,211 |
| Net loans and leases to core deposits | 97.9312% | 1,510 |
| Total domestic deposits to total assets | 78.3066% | 6,230 |
| Equity capital to assets | 18.5557% | 339 |
| Core capital (leverage) ratio | 17.3033% | 381 |
| Tier 1 risk-based capital ratio | 26.0395% | 811 |
| Total risk-based capital ratio | 27.3128% | 790 |
| Memoranda: | ||
| Average total assets | $306,765,330 | 2,102 |
| Average earning assets | $289,452,000 | 2,040 |
| Average equity | $47,411,000 | 1,429 |
| Average total loans | $214,803,330 | 1,951 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2417% | 92 |
| Cost of funding earning assets | 1.8783% | 276 |
| Net interest margin | 5.3634% | 201 |
| Noninterest income to average assets | -2.5620% | 7,564 |
| Noninterest expense to average assets | 3.7976% | 1,342 |
| Loan and lease loss provision to assets | -2.5885% | 7,570 |
| Net operating income to assets | 0.8298% | 2,883 |
| Return on assets (ROA) | 0.8298% | 2,942 |
| Pretax return on assets | 1.3094% | 2,014 |
| Return on Equity (ROE) | 5.8244% | 4,003 |
| Retained earnings to average equity (ytd only) | 5.8244% | 2,742 |
| Net charge-offs to loans | 1.1460% | 1,205 |
| Credit loss provision to net charge-offs | -317.9525% | 5,878 |
| Earnings coverage of net charge-offs (x) | -1.5712% | 4,939 |
| Efficiency ratio | 150.7914% | 160 |
| Assets per employee ($millions) | 4.0587% | 3,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2550% | 742 |
| Loan loss allowance to noncurrent loans | 126.7411% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 1.5759% | 3,883 |
| Noncurrent loans to loans | 2.5682% | 2,925 |
| Net loans and leases to total assets | 59.3647% | 4,396 |
| Net loans and leases to deposits | 72.5219% | 3,982 |
| Net loans and leases to core deposits | 82.7754% | 3,339 |
| Total domestic deposits to total assets | 81.8575% | 5,364 |
| Equity capital to assets | 15.2067% | 722 |
| Core capital (leverage) ratio | 13.8286% | 889 |
| Tier 1 risk-based capital ratio | 23.4361% | 1,036 |
| Total risk-based capital ratio | 24.7100% | 1,019 |
| Memoranda: | ||
| Average total assets | $331,152,500 | 1,978 |
| Average earning assets | $313,683,000 | 1,904 |
| Average equity | $47,180,500 | 1,418 |
| Average total loans | $235,259,500 | 1,826 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6702% | 50 |
| Cost of funding earning assets | 2.7323% | 52 |
| Net interest margin | 5.9380% | 103 |
| Noninterest income to average assets | 0.0297% | 7,196 |
| Noninterest expense to average assets | 4.0079% | 1,149 |
| Loan and lease loss provision to assets | -0.0253% | 7,578 |
| Net operating income to assets | 1.1221% | 1,634 |
| Return on assets (ROA) | 1.1221% | 1,716 |
| Pretax return on assets | 1.7435% | 868 |
| Return on Equity (ROE) | 10.8446% | 1,629 |
| Retained earnings to average equity (ytd only) | 10.8446% | 400 |
| Net charge-offs to loans | 0.9693% | 2,238 |
| Credit loss provision to net charge-offs | -3.1984% | 6,980 |
| Earnings coverage of net charge-offs (x) | 2.1755% | 4,089 |
| Efficiency ratio | 69.9935% | 4,184 |
| Assets per employee ($millions) | 4.3723% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2499% | 708 |
| Loan loss allowance to noncurrent loans | 182.1271% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 1.4220% | 4,214 |
| Noncurrent loans to loans | 1.7844% | 3,839 |
| Net loans and leases to total assets | 77.1022% | 1,074 |
| Net loans and leases to deposits | 92.4933% | 1,205 |
| Net loans and leases to core deposits | 109.2402% | 969 |
| Total domestic deposits to total assets | 83.3597% | 4,657 |
| Equity capital to assets | 13.3903% | 1,222 |
| Core capital (leverage) ratio | 10.6845% | 2,388 |
| Tier 1 risk-based capital ratio | 16.1533% | 2,671 |
| Total risk-based capital ratio | 17.4280% | 2,624 |
| Memoranda: | ||
| Average total assets | $431,499,200 | 1,547 |
| Average earning assets | $413,944,400 | 1,468 |
| Average equity | $44,649,000 | 1,497 |
| Average total loans | $351,578,200 | 1,275 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6261% | 49 |
| Cost of funding earning assets | 2.5276% | 125 |
| Net interest margin | 6.0985% | 85 |
| Noninterest income to average assets | 0.4561% | 4,513 |
| Noninterest expense to average assets | 3.9879% | 1,059 |
| Loan and lease loss provision to assets | 0.3673% | 3,698 |
| Net operating income to assets | 1.2680% | 1,415 |
| Return on assets (ROA) | 1.2680% | 1,498 |
| Pretax return on assets | 1.9649% | 670 |
| Return on Equity (ROE) | 12.9938% | 1,249 |
| Retained earnings to average equity (ytd only) | 12.9938% | 349 |
| Net charge-offs to loans | 1.0128% | 1,986 |
| Credit loss provision to net charge-offs | 44.3218% | 5,965 |
| Earnings coverage of net charge-offs (x) | 2.8142% | 3,731 |
| Efficiency ratio | 63.0987% | 5,417 |
| Assets per employee ($millions) | 5.7731% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2500% | 668 |
| Loan loss allowance to noncurrent loans | 383.6934% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.6214% | 5,889 |
| Noncurrent loans to loans | 0.8470% | 5,531 |
| Net loans and leases to total assets | 70.9800% | 2,494 |
| Net loans and leases to deposits | 81.4058% | 3,197 |
| Net loans and leases to core deposits | 123.6122% | 511 |
| Total domestic deposits to total assets | 87.1929% | 2,425 |
| Equity capital to assets | 10.0233% | 4,135 |
| Core capital (leverage) ratio | 9.7380% | 3,572 |
| Tier 1 risk-based capital ratio | 13.2695% | 4,374 |
| Total risk-based capital ratio | 14.5446% | 4,325 |
| Memoranda: | ||
| Average total assets | $451,928,000 | 1,489 |
| Average earning assets | $434,544,000 | 1,419 |
| Average equity | $44,102,000 | 1,518 |
| Average total loans | $369,785,250 | 1,234 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9295% | 47 |
| Cost of funding earning assets | 2.5820% | 134 |
| Net interest margin | 6.3475% | 76 |
| Noninterest income to average assets | 0.4173% | 4,776 |
| Noninterest expense to average assets | 4.0502% | 983 |
| Loan and lease loss provision to assets | 0.6625% | 2,179 |
| Net operating income to assets | 1.1760% | 1,622 |
| Return on assets (ROA) | 1.1760% | 1,689 |
| Pretax return on assets | 1.8060% | 876 |
| Return on Equity (ROE) | 12.1645% | 1,413 |
| Retained earnings to average equity (ytd only) | 12.1645% | 469 |
| Net charge-offs to loans | 1.2065% | 1,581 |
| Credit loss provision to net charge-offs | 64.8059% | 5,099 |
| Earnings coverage of net charge-offs (x) | 2.4147% | 3,788 |
| Efficiency ratio | 62.1324% | 5,667 |
| Assets per employee ($millions) | 5.6962% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2511% | 673 |
| Loan loss allowance to noncurrent loans | 601.3797% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.4295% | 6,376 |
| Noncurrent loans to loans | 0.5406% | 6,170 |
| Net loans and leases to total assets | 76.8574% | 1,317 |
| Net loans and leases to deposits | 88.3415% | 2,116 |
| Net loans and leases to core deposits | 137.6409% | 310 |
| Total domestic deposits to total assets | 87.0004% | 2,526 |
| Equity capital to assets | 9.7944% | 4,275 |
| Core capital (leverage) ratio | 9.5013% | 3,820 |
| Tier 1 risk-based capital ratio | 12.0445% | 5,270 |
| Total risk-based capital ratio | 13.3197% | 5,218 |
| Memoranda: | ||
| Average total assets | $448,622,670 | 1,523 |
| Average earning assets | $431,223,000 | 1,444 |
| Average equity | $43,372,000 | 1,529 |
| Average total loans | $380,104,000 | 1,215 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4108% | 49 |
| Cost of funding earning assets | 2.6479% | 144 |
| Net interest margin | 6.7628% | 69 |
| Noninterest income to average assets | 0.4044% | 4,883 |
| Noninterest expense to average assets | 4.4827% | 589 |
| Loan and lease loss provision to assets | 0.3145% | 3,534 |
| Net operating income to assets | 1.3436% | 1,197 |
| Return on assets (ROA) | 1.3436% | 1,268 |
| Pretax return on assets | 2.1120% | 496 |
| Return on Equity (ROE) | 13.9911% | 1,054 |
| Retained earnings to average equity (ytd only) | 13.9911% | 510 |
| Net charge-offs to loans | 0.4574% | 2,675 |
| Credit loss provision to net charge-offs | 78.6517% | 3,913 |
| Earnings coverage of net charge-offs (x) | 6.0674% | 2,284 |
| Efficiency ratio | 64.8803% | 5,327 |
| Assets per employee ($millions) | 5.4584% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2511% | 666 |
| Loan loss allowance to noncurrent loans | 628.4491% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 6,341 |
| Noncurrent loans to loans | 0.5173% | 6,254 |
| Net loans and leases to total assets | 84.0085% | 371 |
| Net loans and leases to deposits | 96.6885% | 1,026 |
| Net loans and leases to core deposits | 163.5391% | 174 |
| Total domestic deposits to total assets | 86.8857% | 2,685 |
| Equity capital to assets | 9.8363% | 4,070 |
| Core capital (leverage) ratio | 9.4178% | 3,892 |
| Tier 1 risk-based capital ratio | 11.0372% | 6,122 |
| Total risk-based capital ratio | 12.3123% | 6,070 |
| Memoranda: | ||
| Average total assets | $445,085,500 | 1,575 |
| Average earning assets | $428,105,000 | 1,492 |
| Average equity | $42,741,500 | 1,564 |
| Average total loans | $389,153,000 | 1,219 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3536% | 43 |
| Cost of funding earning assets | 2.9164% | 293 |
| Net interest margin | 6.4372% | 77 |
| Noninterest income to average assets | 0.5139% | 4,299 |
| Noninterest expense to average assets | 3.4238% | 2,604 |
| Loan and lease loss provision to assets | 4.0175% | 337 |
| Net operating income to assets | -0.4881% | 6,165 |
| Return on assets (ROA) | -0.4881% | 6,160 |
| Pretax return on assets | -0.6877% | 6,175 |
| Return on Equity (ROE) | -4.5184% | 6,162 |
| Retained earnings to average equity (ytd only) | -4.5184% | 5,949 |
| Net charge-offs to loans | 2.1035% | 1,159 |
| Credit loss provision to net charge-offs | 215.6813% | 1,773 |
| Earnings coverage of net charge-offs (x) | 1.7876% | 4,381 |
| Efficiency ratio | 50.6961% | 7,496 |
| Assets per employee ($millions) | 3.7337% | 4,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1886% | 659 |
| Loan loss allowance to noncurrent loans | 1,406.7114% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 6,963 |
| Noncurrent loans to loans | 0.2267% | 6,867 |
| Net loans and leases to total assets | 85.2204% | 328 |
| Net loans and leases to deposits | 98.3150% | 1,066 |
| Net loans and leases to core deposits | 121.6155% | 1,826 |
| Total domestic deposits to total assets | 86.6810% | 2,661 |
| Equity capital to assets | 9.3728% | 4,601 |
| Core capital (leverage) ratio | 9.0831% | 4,284 |
| Tier 1 risk-based capital ratio | 10.2439% | 6,643 |
| Total risk-based capital ratio | 11.5179% | 6,591 |
| Memoranda: | ||
| Average total assets | $378,645,200 | 1,805 |
| Average earning assets | $367,024,600 | 1,714 |
| Average equity | $40,899,600 | 1,633 |
| Average total loans | $335,297,000 | 1,437 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0943% | 48 |
| Cost of funding earning assets | 2.9452% | 391 |
| Net interest margin | 6.1490% | 100 |
| Noninterest income to average assets | 0.4661% | 4,777 |
| Noninterest expense to average assets | 3.1741% | 3,383 |
| Loan and lease loss provision to assets | 2.1481% | 815 |
| Net operating income to assets | 0.6982% | 3,220 |
| Return on assets (ROA) | 0.6982% | 3,275 |
| Pretax return on assets | 1.1204% | 2,500 |
| Return on Equity (ROE) | 6.2093% | 3,439 |
| Retained earnings to average equity (ytd only) | 6.2093% | 1,848 |
| Net charge-offs to loans | 1.0283% | 1,919 |
| Credit loss provision to net charge-offs | 235.4773% | 1,855 |
| Earnings coverage of net charge-offs (x) | 3.5829% | 3,472 |
| Efficiency ratio | 49.2668% | 7,603 |
| Assets per employee ($millions) | 3.6515% | 4,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0216% | 1,751 |
| Loan loss allowance to noncurrent loans | 943.6209% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 6,951 |
| Noncurrent loans to loans | 0.2142% | 6,958 |
| Net loans and leases to total assets | 88.1002% | 199 |
| Net loans and leases to deposits | 104.6060% | 730 |
| Net loans and leases to core deposits | 124.7058% | 1,839 |
| Total domestic deposits to total assets | 84.2210% | 3,614 |
| Equity capital to assets | 10.6583% | 3,335 |
| Core capital (leverage) ratio | 10.5641% | 2,746 |
| Tier 1 risk-based capital ratio | 11.3341% | 5,608 |
| Total risk-based capital ratio | 12.5933% | 5,535 |
| Memoranda: | ||
| Average total assets | $361,295,750 | 1,898 |
| Average earning assets | $351,158,000 | 1,796 |
| Average equity | $40,626,000 | 1,662 |
| Average total loans | $320,521,250 | 1,522 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1354% | 85 |
| Cost of funding earning assets | 2.9438% | 551 |
| Net interest margin | 5.1916% | 301 |
| Noninterest income to average assets | 0.5181% | 4,284 |
| Noninterest expense to average assets | 3.3037% | 2,941 |
| Loan and lease loss provision to assets | 2.7473% | 559 |
| Net operating income to assets | -0.3495% | 6,395 |
| Return on assets (ROA) | -0.3495% | 6,404 |
| Pretax return on assets | -0.4933% | 6,418 |
| Return on Equity (ROE) | -3.0418% | 6,365 |
| Retained earnings to average equity (ytd only) | -3.0418% | 5,980 |
| Net charge-offs to loans | 1.1647% | 1,567 |
| Credit loss provision to net charge-offs | 267.4125% | 1,746 |
| Earnings coverage of net charge-offs (x) | 2.1939% | 3,972 |
| Efficiency ratio | 59.4443% | 6,628 |
| Assets per employee ($millions) | 3.6164% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0319% | 1,512 |
| Loan loss allowance to noncurrent loans | 507.6125% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.4706% | 6,266 |
| Noncurrent loans to loans | 0.4003% | 6,507 |
| Net loans and leases to total assets | 88.9006% | 191 |
| Net loans and leases to deposits | 104.3391% | 888 |
| Net loans and leases to core deposits | 123.5730% | 2,059 |
| Total domestic deposits to total assets | 85.2036% | 3,161 |
| Equity capital to assets | 10.3189% | 3,599 |
| Core capital (leverage) ratio | 11.5389% | 2,064 |
| Tier 1 risk-based capital ratio | 10.8717% | 6,008 |
| Total risk-based capital ratio | 12.1314% | 5,942 |
| Memoranda: | ||
| Average total assets | $339,319,000 | 2,040 |
| Average earning assets | $329,375,670 | 1,919 |
| Average equity | $38,989,670 | 1,746 |
| Average total loans | $299,310,670 | 1,654 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8808% | 108 |
| Cost of funding earning assets | 3.1260% | 423 |
| Net interest margin | 4.7548% | 673 |
| Noninterest income to average assets | 0.5612% | 3,827 |
| Noninterest expense to average assets | 3.5656% | 1,943 |
| Loan and lease loss provision to assets | 0.9353% | 1,390 |
| Net operating income to assets | 0.4309% | 4,740 |
| Return on assets (ROA) | 0.4309% | 4,917 |
| Pretax return on assets | 0.6695% | 4,525 |
| Return on Equity (ROE) | 3.5195% | 5,161 |
| Retained earnings to average equity (ytd only) | 3.5195% | 3,939 |
| Net charge-offs to loans | 0.6392% | 1,900 |
| Credit loss provision to net charge-offs | 168.9977% | 2,535 |
| Earnings coverage of net charge-offs (x) | 2.8998% | 3,342 |
| Efficiency ratio | 68.9621% | 4,781 |
| Assets per employee ($millions) | 3.1277% | 5,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7053% | 2,130 |
| Loan loss allowance to noncurrent loans | 645.6164% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.3219% | 6,545 |
| Noncurrent loans to loans | 0.2641% | 6,778 |
| Net loans and leases to total assets | 83.5153% | 765 |
| Net loans and leases to deposits | 100.8411% | 1,298 |
| Net loans and leases to core deposits | 118.0473% | 2,594 |
| Total domestic deposits to total assets | 82.8187% | 4,233 |
| Equity capital to assets | 12.7511% | 1,859 |
| Core capital (leverage) ratio | 13.2656% | 1,398 |
| Tier 1 risk-based capital ratio | 14.0489% | 3,558 |
| Total risk-based capital ratio | 15.3039% | 3,480 |
| Memoranda: | ||
| Average total assets | $310,076,000 | 2,215 |
| Average earning assets | $300,580,500 | 2,122 |
| Average equity | $37,960,000 | 1,800 |
| Average total loans | $268,473,000 | 1,850 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4525% | 109 |
| Cost of funding earning assets | 3.4849% | 542 |
| Net interest margin | 4.9677% | 549 |
| Noninterest income to average assets | 1.1841% | 1,089 |
| Noninterest expense to average assets | 4.4467% | 913 |
| Loan and lease loss provision to assets | 0.9017% | 1,659 |
| Net operating income to assets | 0.8952% | 3,016 |
| Return on assets (ROA) | 0.8952% | 2,861 |
| Pretax return on assets | 0.6185% | 4,630 |
| Return on Equity (ROE) | 7.5758% | 3,251 |
| Retained earnings to average equity (ytd only) | 7.5758% | 964 |
| Net charge-offs to loans | 0.8715% | 1,433 |
| Credit loss provision to net charge-offs | 120.0873% | 4,473 |
| Earnings coverage of net charge-offs (x) | 2.0246% | 5,062 |
| Efficiency ratio | 74.5226% | 3,490 |
| Assets per employee ($millions) | 3.0716% | 5,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6951% | 1,927 |
| Loan loss allowance to noncurrent loans | 612.6214% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.3520% | 6,186 |
| Noncurrent loans to loans | 0.2767% | 6,542 |
| Net loans and leases to total assets | 86.8708% | 483 |
| Net loans and leases to deposits | 104.8085% | 1,261 |
| Net loans and leases to core deposits | 123.2878% | 2,378 |
| Total domestic deposits to total assets | 82.8853% | 3,820 |
| Equity capital to assets | 11.6808% | 2,513 |
| Core capital (leverage) ratio | 11.4958% | 2,257 |
| Tier 1 risk-based capital ratio | 12.1264% | 4,722 |
| Total risk-based capital ratio | 13.3813% | 4,605 |
| Memoranda: | ||
| Average total assets | $243,980,200 | 2,615 |
| Average earning assets | $234,899,800 | 2,506 |
| Average equity | $28,828,600 | 2,346 |
| Average total loans | $210,215,600 | 2,202 |