Home > Mid City Bank, Inc. > Performance and Condition Ratios
Mid City Bank, Inc., 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 | 4.6525% | 4,669 |
| Cost of funding earning assets | 0.8589% | 4,710 |
| Net interest margin | 3.7936% | 3,902 |
| Noninterest income to average assets | -2.2106% | 7,431 |
| Noninterest expense to average assets | 5.1842% | 318 |
| Loan and lease loss provision to assets | 2.4837% | 181 |
| Net operating income to assets | -6.6880% | 7,409 |
| Return on assets (ROA) | -6.6086% | 7,410 |
| Pretax return on assets | -6.6086% | 7,409 |
| Return on Equity (ROE) | -310.5459% | 7,432 |
| Retained earnings to average equity (ytd only) | -310.5459% | 7,432 |
| Net charge-offs to loans | 22.8112% | 4 |
| Credit loss provision to net charge-offs | 20.6041% | 5,547 |
| Earnings coverage of net charge-offs (x) | -0.3488% | 5,784 |
| Efficiency ratio | 529.0514% | 9 |
| Assets per employee ($millions) | 2.7914% | 6,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2235% | 18 |
| Loan loss allowance to noncurrent loans | 89.9710% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 10.0080% | 355 |
| Noncurrent loans to loans | 10.2517% | 342 |
| Net loans and leases to total assets | 46.1127% | 6,136 |
| Net loans and leases to deposits | 46.3811% | 6,724 |
| Net loans and leases to core deposits | 47.5706% | 6,777 |
| Total domestic deposits to total assets | 99.4212% | 2 |
| Equity capital to assets | 0.2809% | 7,432 |
| Core capital (leverage) ratio | -0.3822% | 7,432 |
| Tier 1 risk-based capital ratio | -0.6778% | 7,432 |
| Total risk-based capital ratio | -0.6778% | 7,432 |
| Memoranda: | ||
| Average total assets | $137,696,500 | 4,041 |
| Average earning assets | $115,804,750 | 4,258 |
| Average equity | $2,930,250 | 7,089 |
| Average total loans | $72,763,500 | 4,432 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 5,311 |
| Cost of funding earning assets | 0.8638% | 4,958 |
| Net interest margin | 3.6508% | 4,519 |
| Noninterest income to average assets | -3.3406% | 7,510 |
| Noninterest expense to average assets | 5.0797% | 349 |
| Loan and lease loss provision to assets | 3.4607% | 111 |
| Net operating income to assets | -8.7616% | 7,491 |
| Return on assets (ROA) | -8.6618% | 7,493 |
| Pretax return on assets | -8.6618% | 7,495 |
| Return on Equity (ROE) | -337.2141% | 7,503 |
| Retained earnings to average equity (ytd only) | -337.2141% | 7,503 |
| Net charge-offs to loans | 31.8227% | 2 |
| Credit loss provision to net charge-offs | 20.3911% | 5,128 |
| Earnings coverage of net charge-offs (x) | -0.3123% | 5,458 |
| Efficiency ratio | -2,295.7317% | 7,513 |
| Assets per employee ($millions) | 2.7119% | 6,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6412% | 38 |
| Loan loss allowance to noncurrent loans | 70.6879% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 12.7170% | 221 |
| Noncurrent loans to loans | 10.8097% | 334 |
| Net loans and leases to total assets | 46.8961% | 6,163 |
| Net loans and leases to deposits | 47.2041% | 6,766 |
| Net loans and leases to core deposits | 52.5908% | 6,632 |
| Total domestic deposits to total assets | 99.3475% | 3 |
| Equity capital to assets | 0.3696% | 7,506 |
| Core capital (leverage) ratio | -0.0222% | 7,506 |
| Tier 1 risk-based capital ratio | -0.0380% | 7,506 |
| Total risk-based capital ratio | -0.0380% | 7,506 |
| Memoranda: | ||
| Average total assets | $148,237,000 | 3,879 |
| Average earning assets | $126,656,000 | 4,054 |
| Average equity | $3,807,670 | 6,898 |
| Average total loans | $79,056,670 | 4,256 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3025% | 6,015 |
| Cost of funding earning assets | 0.8813% | 5,058 |
| Net interest margin | 3.4212% | 5,345 |
| Noninterest income to average assets | 0.4676% | 4,136 |
| Noninterest expense to average assets | 5.0381% | 354 |
| Loan and lease loss provision to assets | 0.5001% | 1,744 |
| Net operating income to assets | -2.1102% | 7,302 |
| Return on assets (ROA) | -2.0877% | 7,295 |
| Pretax return on assets | -2.0877% | 7,271 |
| Return on Equity (ROE) | -60.9378% | 7,438 |
| Retained earnings to average equity (ytd only) | -60.9378% | 7,428 |
| Net charge-offs to loans | 5.7252% | 121 |
| Credit loss provision to net charge-offs | 16.0772% | 4,311 |
| Earnings coverage of net charge-offs (x) | -0.5177% | 4,799 |
| Efficiency ratio | 146.9730% | 177 |
| Assets per employee ($millions) | 2.8937% | 6,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 16.7374% | 6 |
| Loan loss allowance to noncurrent loans | 63.0651% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 20.8781% | 52 |
| Noncurrent loans to loans | 26.5398% | 27 |
| Net loans and leases to total assets | 48.4519% | 6,025 |
| Net loans and leases to deposits | 50.4602% | 6,590 |
| Net loans and leases to core deposits | 57.2920% | 6,319 |
| Total domestic deposits to total assets | 96.0202% | 35 |
| Equity capital to assets | 3.7972% | 7,452 |
| Core capital (leverage) ratio | 3.4690% | 7,463 |
| Tier 1 risk-based capital ratio | 6.1406% | 7,419 |
| Total risk-based capital ratio | 7.5635% | 7,414 |
| Memoranda: | ||
| Average total assets | $159,982,500 | 3,709 |
| Average earning assets | $138,430,500 | 3,850 |
| Average equity | $5,481,000 | 6,392 |
| Average total loans | $86,914,500 | 4,050 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6257% | 6,035 |
| Cost of funding earning assets | 1.3086% | 3,825 |
| Net interest margin | 3.3171% | 5,923 |
| Noninterest income to average assets | -1.4966% | 7,641 |
| Noninterest expense to average assets | 8.4371% | 103 |
| Loan and lease loss provision to assets | 9.0282% | 9 |
| Net operating income to assets | -12.0201% | 7,646 |
| Return on assets (ROA) | -11.9639% | 7,646 |
| Pretax return on assets | -16.0418% | 7,653 |
| Return on Equity (ROE) | -121.2262% | 7,616 |
| Retained earnings to average equity (ytd only) | -121.2262% | 7,616 |
| Net charge-offs to loans | 7.7970% | 39 |
| Credit loss provision to net charge-offs | 238.4912% | 1,216 |
| Earnings coverage of net charge-offs (x) | -1.8726% | 6,698 |
| Efficiency ratio | 625.6957% | 15 |
| Assets per employee ($millions) | 3.1817% | 5,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 16.2661% | 6 |
| Loan loss allowance to noncurrent loans | 64.1281% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 16.7408% | 124 |
| Noncurrent loans to loans | 25.3649% | 40 |
| Net loans and leases to total assets | 42.9157% | 6,798 |
| Net loans and leases to deposits | 44.4045% | 7,106 |
| Net loans and leases to core deposits | 53.6789% | 6,829 |
| Total domestic deposits to total assets | 96.6471% | 24 |
| Equity capital to assets | 3.1306% | 7,553 |
| Core capital (leverage) ratio | 3.0308% | 7,553 |
| Tier 1 risk-based capital ratio | 5.7607% | 7,491 |
| Total risk-based capital ratio | 7.1691% | 7,486 |
| Memoranda: | ||
| Average total assets | $205,201,400 | 3,038 |
| Average earning assets | $175,995,600 | 3,167 |
| Average equity | $20,251,400 | 3,115 |
| Average total loans | $99,627,800 | 3,805 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7988% | 5,660 |
| Cost of funding earning assets | 1.3860% | 3,660 |
| Net interest margin | 3.4128% | 5,626 |
| Noninterest income to average assets | -0.1730% | 7,580 |
| Noninterest expense to average assets | 4.4813% | 613 |
| Loan and lease loss provision to assets | 6.2476% | 41 |
| Net operating income to assets | -7.9469% | 7,727 |
| Return on assets (ROA) | -7.9114% | 7,728 |
| Pretax return on assets | -7.9542% | 7,728 |
| Return on Equity (ROE) | -70.1049% | 7,637 |
| Retained earnings to average equity (ytd only) | -70.1049% | 7,636 |
| Net charge-offs to loans | 6.7566% | 76 |
| Credit loss provision to net charge-offs | 192.7047% | 1,855 |
| Earnings coverage of net charge-offs (x) | -0.5374% | 6,338 |
| Efficiency ratio | 163.6197% | 152 |
| Assets per employee ($millions) | 3.7310% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2060% | 26 |
| Loan loss allowance to noncurrent loans | 44.1690% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 13.6649% | 204 |
| Noncurrent loans to loans | 20.8426% | 66 |
| Net loans and leases to total assets | 42.6502% | 6,934 |
| Net loans and leases to deposits | 47.0153% | 7,131 |
| Net loans and leases to core deposits | 57.6324% | 6,751 |
| Total domestic deposits to total assets | 90.7156% | 542 |
| Equity capital to assets | 9.0296% | 5,539 |
| Core capital (leverage) ratio | 8.5218% | 5,466 |
| Tier 1 risk-based capital ratio | 14.6574% | 3,421 |
| Total risk-based capital ratio | 15.9808% | 3,360 |
| Memoranda: | ||
| Average total assets | $211,958,000 | 3,009 |
| Average earning assets | $180,845,750 | 3,154 |
| Average equity | $23,919,750 | 2,705 |
| Average total loans | $101,705,000 | 3,809 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8669% | 5,550 |
| Cost of funding earning assets | 1.4476% | 3,575 |
| Net interest margin | 3.4193% | 5,564 |
| Noninterest income to average assets | -1.0345% | 7,795 |
| Noninterest expense to average assets | 3.0811% | 3,390 |
| Loan and lease loss provision to assets | 8.6738% | 16 |
| Net operating income to assets | -9.8122% | 7,805 |
| Return on assets (ROA) | -9.5682% | 7,804 |
| Pretax return on assets | -9.6317% | 7,806 |
| Return on Equity (ROE) | -79.6993% | 7,699 |
| Retained earnings to average equity (ytd only) | -79.6993% | 7,697 |
| Net charge-offs to loans | 8.2899% | 55 |
| Credit loss provision to net charge-offs | 216.6006% | 1,806 |
| Earnings coverage of net charge-offs (x) | -0.3008% | 5,930 |
| Efficiency ratio | 164.1791% | 167 |
| Assets per employee ($millions) | 3.7124% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1718% | 27 |
| Loan loss allowance to noncurrent loans | 45.6425% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 13.9245% | 181 |
| Noncurrent loans to loans | 20.0950% | 85 |
| Net loans and leases to total assets | 44.1214% | 6,911 |
| Net loans and leases to deposits | 48.9939% | 7,110 |
| Net loans and leases to core deposits | 61.2403% | 6,617 |
| Total domestic deposits to total assets | 90.0549% | 903 |
| Equity capital to assets | 9.7399% | 4,355 |
| Core capital (leverage) ratio | 8.2980% | 5,777 |
| Tier 1 risk-based capital ratio | 12.7829% | 4,619 |
| Total risk-based capital ratio | 14.0992% | 4,524 |
| Memoranda: | ||
| Average total assets | $214,209,330 | 3,007 |
| Average earning assets | $182,375,000 | 3,167 |
| Average equity | $25,716,670 | 2,514 |
| Average total loans | $103,475,330 | 3,787 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3141% | 3,477 |
| Cost of funding earning assets | 1.4538% | 3,845 |
| Net interest margin | 3.8603% | 3,506 |
| Noninterest income to average assets | 0.4361% | 4,593 |
| Noninterest expense to average assets | 2.9522% | 3,849 |
| Loan and lease loss provision to assets | 1.9432% | 576 |
| Net operating income to assets | -1.0544% | 7,140 |
| Return on assets (ROA) | -0.9597% | 7,114 |
| Pretax return on assets | -1.0510% | 7,072 |
| Return on Equity (ROE) | -7.3485% | 7,023 |
| Retained earnings to average equity (ytd only) | -7.3485% | 6,778 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9268% | 2,738 |
| Assets per employee ($millions) | 3.8957% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9301% | 185 |
| Loan loss allowance to noncurrent loans | 32.2603% | 6,260 |
| Noncurrent assets plus other real estate owned to assets | 12.1779% | 249 |
| Noncurrent loans to loans | 15.2823% | 171 |
| Net loans and leases to total assets | 46.4481% | 6,800 |
| Net loans and leases to deposits | 53.6651% | 6,937 |
| Net loans and leases to core deposits | 69.3321% | 5,972 |
| Total domestic deposits to total assets | 86.5517% | 2,870 |
| Equity capital to assets | 13.2401% | 1,425 |
| Core capital (leverage) ratio | 12.8367% | 1,279 |
| Tier 1 risk-based capital ratio | 20.1358% | 1,497 |
| Total risk-based capital ratio | 21.4079% | 1,462 |
| Memoranda: | ||
| Average total assets | $219,224,000 | 3,000 |
| Average earning assets | $187,652,000 | 3,150 |
| Average equity | $28,631,500 | 2,319 |
| Average total loans | $105,621,000 | 3,790 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0947% | 6,106 |
| Cost of funding earning assets | 2.0277% | 2,832 |
| Net interest margin | 3.0670% | 6,476 |
| Noninterest income to average assets | 0.4270% | 4,993 |
| Noninterest expense to average assets | 3.3429% | 2,859 |
| Loan and lease loss provision to assets | 3.6841% | 405 |
| Net operating income to assets | -2.8745% | 7,368 |
| Return on assets (ROA) | -2.5493% | 7,280 |
| Pretax return on assets | -3.5347% | 7,426 |
| Return on Equity (ROE) | -17.7016% | 7,063 |
| Retained earnings to average equity (ytd only) | -17.7016% | 7,015 |
| Net charge-offs to loans | 8.2286% | 75 |
| Credit loss provision to net charge-offs | 90.0546% | 5,994 |
| Earnings coverage of net charge-offs (x) | -0.0739% | 6,301 |
| Efficiency ratio | 109.9397% | 797 |
| Assets per employee ($millions) | 4.1515% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8439% | 396 |
| Loan loss allowance to noncurrent loans | 29.9284% | 6,477 |
| Noncurrent assets plus other real estate owned to assets | 10.6079% | 331 |
| Noncurrent loans to loans | 12.8436% | 246 |
| Net loans and leases to total assets | 45.7051% | 7,010 |
| Net loans and leases to deposits | 52.6994% | 7,123 |
| Net loans and leases to core deposits | 62.6497% | 7,165 |
| Total domestic deposits to total assets | 86.7278% | 2,640 |
| Equity capital to assets | 12.8886% | 1,551 |
| Core capital (leverage) ratio | 12.5270% | 1,443 |
| Tier 1 risk-based capital ratio | 19.8329% | 1,486 |
| Total risk-based capital ratio | 21.1036% | 1,450 |
| Memoranda: | ||
| Average total assets | $223,666,600 | 2,894 |
| Average earning assets | $190,611,400 | 3,087 |
| Average equity | $32,211,800 | 2,074 |
| Average total loans | $111,198,000 | 3,661 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3986% | 4,957 |
| Cost of funding earning assets | 2.1270% | 2,763 |
| Net interest margin | 3.2716% | 5,746 |
| Noninterest income to average assets | 0.4288% | 5,060 |
| Noninterest expense to average assets | 3.2298% | 3,189 |
| Loan and lease loss provision to assets | 4.2044% | 261 |
| Net operating income to assets | -3.7899% | 7,724 |
| Return on assets (ROA) | -3.3610% | 7,670 |
| Pretax return on assets | -3.7380% | 7,648 |
| Return on Equity (ROE) | -22.7387% | 7,460 |
| Retained earnings to average equity (ytd only) | -22.7387% | 7,429 |
| Net charge-offs to loans | 8.3980% | 76 |
| Credit loss provision to net charge-offs | 99.6044% | 5,134 |
| Earnings coverage of net charge-offs (x) | -0.0024% | 6,071 |
| Efficiency ratio | 100.3149% | 1,048 |
| Assets per employee ($millions) | 3.9726% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7625% | 163 |
| Loan loss allowance to noncurrent loans | 31.9307% | 6,313 |
| Noncurrent assets plus other real estate owned to assets | 11.7680% | 240 |
| Noncurrent loans to loans | 14.9152% | 148 |
| Net loans and leases to total assets | 44.7462% | 7,194 |
| Net loans and leases to deposits | 52.1492% | 7,298 |
| Net loans and leases to core deposits | 62.4250% | 7,311 |
| Total domestic deposits to total assets | 85.8043% | 2,803 |
| Equity capital to assets | 13.3080% | 1,573 |
| Core capital (leverage) ratio | 13.3993% | 1,264 |
| Tier 1 risk-based capital ratio | 21.3877% | 1,312 |
| Total risk-based capital ratio | 22.6661% | 1,279 |
| Memoranda: | ||
| Average total assets | $223,537,500 | 2,909 |
| Average earning assets | $190,685,750 | 3,110 |
| Average equity | $33,041,250 | 2,052 |
| Average total loans | $112,357,750 | 3,671 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4402% | 4,940 |
| Cost of funding earning assets | 2.2276% | 2,674 |
| Net interest margin | 3.2126% | 5,871 |
| Noninterest income to average assets | 0.4323% | 5,008 |
| Noninterest expense to average assets | 3.2721% | 3,071 |
| Loan and lease loss provision to assets | 4.1663% | 288 |
| Net operating income to assets | -4.3128% | 7,871 |
| Return on assets (ROA) | -3.6910% | 7,786 |
| Pretax return on assets | -3.6428% | 7,697 |
| Return on Equity (ROE) | -24.1734% | 7,612 |
| Retained earnings to average equity (ytd only) | -24.1734% | 7,576 |
| Net charge-offs to loans | 8.3501% | 93 |
| Credit loss provision to net charge-offs | 97.1667% | 4,700 |
| Earnings coverage of net charge-offs (x) | -0.0229% | 5,716 |
| Efficiency ratio | 103.0960% | 1,059 |
| Assets per employee ($millions) | 3.9601% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4266% | 181 |
| Loan loss allowance to noncurrent loans | 30.4394% | 6,442 |
| Noncurrent assets plus other real estate owned to assets | 11.9896% | 185 |
| Noncurrent loans to loans | 14.5423% | 146 |
| Net loans and leases to total assets | 47.4131% | 7,082 |
| Net loans and leases to deposits | 55.3041% | 7,199 |
| Net loans and leases to core deposits | 66.2920% | 7,199 |
| Total domestic deposits to total assets | 85.7315% | 2,913 |
| Equity capital to assets | 13.8834% | 1,348 |
| Core capital (leverage) ratio | 14.2652% | 1,078 |
| Tier 1 risk-based capital ratio | 21.8444% | 1,277 |
| Total risk-based capital ratio | 23.1204% | 1,244 |
| Memoranda: | ||
| Average total assets | $223,894,000 | 2,925 |
| Average earning assets | $191,059,670 | 3,128 |
| Average equity | $34,186,330 | 1,980 |
| Average total loans | $114,969,000 | 3,646 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3394% | 5,711 |
| Cost of funding earning assets | 2.2895% | 2,747 |
| Net interest margin | 3.0499% | 6,339 |
| Noninterest income to average assets | 0.4588% | 4,693 |
| Noninterest expense to average assets | 2.9997% | 3,771 |
| Loan and lease loss provision to assets | 0.2258% | 4,192 |
| Net operating income to assets | -0.1411% | 6,471 |
| Return on assets (ROA) | 0.7290% | 3,627 |
| Pretax return on assets | 0.8482% | 3,899 |
| Return on Equity (ROE) | 4.5702% | 4,677 |
| Retained earnings to average equity (ytd only) | 4.5702% | 3,392 |
| Net charge-offs to loans | 0.6233% | 1,932 |
| Credit loss provision to net charge-offs | 69.3989% | 4,367 |
| Earnings coverage of net charge-offs (x) | 0.1913% | 4,827 |
| Efficiency ratio | 97.9675% | 1,222 |
| Assets per employee ($millions) | 4.0523% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2318% | 179 |
| Loan loss allowance to noncurrent loans | 31.1850% | 6,464 |
| Noncurrent assets plus other real estate owned to assets | 12.1606% | 138 |
| Noncurrent loans to loans | 13.5699% | 133 |
| Net loans and leases to total assets | 50.2620% | 6,840 |
| Net loans and leases to deposits | 60.2719% | 6,873 |
| Net loans and leases to core deposits | 72.3965% | 6,893 |
| Total domestic deposits to total assets | 83.3921% | 3,954 |
| Equity capital to assets | 16.1579% | 848 |
| Core capital (leverage) ratio | 16.5221% | 711 |
| Tier 1 risk-based capital ratio | 23.4251% | 1,148 |
| Total risk-based capital ratio | 24.6996% | 1,122 |
| Memoranda: | ||
| Average total assets | $224,957,000 | 2,930 |
| Average earning assets | $192,007,500 | 3,127 |
| Average equity | $35,885,000 | 1,909 |
| Average total loans | $117,445,000 | 3,612 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9907% | 5,588 |
| Cost of funding earning assets | 2.7945% | 2,729 |
| Net interest margin | 3.1962% | 6,379 |
| Noninterest income to average assets | 0.3700% | 5,741 |
| Noninterest expense to average assets | 2.8265% | 4,710 |
| Loan and lease loss provision to assets | 3.7302% | 194 |
| Net operating income to assets | -3.4788% | 7,909 |
| Return on assets (ROA) | -2.5566% | 7,694 |
| Pretax return on assets | -2.5181% | 7,597 |
| Return on Equity (ROE) | -15.1657% | 7,596 |
| Retained earnings to average equity (ytd only) | -15.1657% | 7,471 |
| Net charge-offs to loans | 3.7753% | 197 |
| Credit loss provision to net charge-offs | 184.1197% | 2,697 |
| Earnings coverage of net charge-offs (x) | 0.1431% | 6,162 |
| Efficiency ratio | 90.6987% | 1,462 |
| Assets per employee ($millions) | 4.0543% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2453% | 159 |
| Loan loss allowance to noncurrent loans | 38.2780% | 6,164 |
| Noncurrent assets plus other real estate owned to assets | 10.7066% | 133 |
| Noncurrent loans to loans | 11.0908% | 165 |
| Net loans and leases to total assets | 49.7326% | 7,054 |
| Net loans and leases to deposits | 59.4371% | 7,129 |
| Net loans and leases to core deposits | 71.6952% | 7,099 |
| Total domestic deposits to total assets | 83.6728% | 3,491 |
| Equity capital to assets | 15.7498% | 986 |
| Core capital (leverage) ratio | 16.0481% | 814 |
| Tier 1 risk-based capital ratio | 23.1830% | 1,167 |
| Total risk-based capital ratio | 24.4576% | 1,142 |
| Memoranda: | ||
| Average total assets | $225,967,200 | 2,818 |
| Average earning assets | $194,166,600 | 2,973 |
| Average equity | $38,092,600 | 1,773 |
| Average total loans | $121,261,400 | 3,438 |