Home > Nebraska Bankers' Bank > Performance and Condition Ratios
Nebraska Bankers' 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 | 3.3655% | 7,158 |
| Cost of funding earning assets | 0.0393% | 7,408 |
| Net interest margin | 3.3261% | 5,780 |
| Noninterest income to average assets | 3.9734% | 157 |
| Noninterest expense to average assets | 6.4747% | 167 |
| Loan and lease loss provision to assets | 1.1515% | 692 |
| Net operating income to assets | -0.2868% | 6,472 |
| Return on assets (ROA) | -0.2868% | 6,538 |
| Pretax return on assets | -0.4429% | 6,588 |
| Return on Equity (ROE) | -2.8162% | 6,545 |
| Retained earnings to average equity (ytd only) | -2.8162% | 6,395 |
| Net charge-offs to loans | 3.2366% | 269 |
| Credit loss provision to net charge-offs | 60.5322% | 4,795 |
| Earnings coverage of net charge-offs (x) | 0.3725% | 5,332 |
| Efficiency ratio | 90.1351% | 1,156 |
| Assets per employee ($millions) | 11.2817% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6621% | 1,176 |
| Loan loss allowance to noncurrent loans | 68.1638% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 2.7921% | 2,329 |
| Noncurrent loans to loans | 3.9055% | 1,707 |
| Net loans and leases to total assets | 55.7453% | 4,881 |
| Net loans and leases to deposits | 63.7614% | 5,202 |
| Net loans and leases to core deposits | 63.7614% | 5,643 |
| Total domestic deposits to total assets | 87.4280% | 2,394 |
| Equity capital to assets | 9.4696% | 5,132 |
| Core capital (leverage) ratio | 9.8615% | 3,633 |
| Tier 1 risk-based capital ratio | 13.9900% | 4,361 |
| Total risk-based capital ratio | 15.2519% | 4,322 |
| Memoranda: | ||
| Average total assets | $31,609,500 | 6,995 |
| Average earning assets | $30,505,000 | 6,919 |
| Average equity | $3,219,250 | 7,013 |
| Average total loans | $18,578,500 | 6,794 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4172% | 7,206 |
| Cost of funding earning assets | 0.0471% | 7,475 |
| Net interest margin | 3.3701% | 5,637 |
| Noninterest income to average assets | 4.0176% | 167 |
| Noninterest expense to average assets | 6.4605% | 169 |
| Loan and lease loss provision to assets | 1.5163% | 468 |
| Net operating income to assets | -0.4601% | 6,658 |
| Return on assets (ROA) | -0.4601% | 6,682 |
| Pretax return on assets | -0.7128% | 6,778 |
| Return on Equity (ROE) | -4.4045% | 6,673 |
| Retained earnings to average equity (ytd only) | -4.4045% | 6,515 |
| Net charge-offs to loans | 4.9589% | 128 |
| Credit loss provision to net charge-offs | 51.5419% | 4,545 |
| Earnings coverage of net charge-offs (x) | 0.2731% | 5,106 |
| Efficiency ratio | 88.9384% | 1,326 |
| Assets per employee ($millions) | 10.2533% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5946% | 1,320 |
| Loan loss allowance to noncurrent loans | 79.3970% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 2.5520% | 2,620 |
| Noncurrent loans to loans | 3.2678% | 2,187 |
| Net loans and leases to total assets | 57.8511% | 4,658 |
| Net loans and leases to deposits | 64.7397% | 5,183 |
| Net loans and leases to core deposits | 66.6804% | 5,423 |
| Total domestic deposits to total assets | 89.3596% | 1,324 |
| Equity capital to assets | 10.4096% | 3,627 |
| Core capital (leverage) ratio | 10.5329% | 2,681 |
| Tier 1 risk-based capital ratio | 15.1624% | 3,418 |
| Total risk-based capital ratio | 16.4267% | 3,368 |
| Memoranda: | ||
| Average total assets | $30,864,330 | 7,078 |
| Average earning assets | $29,731,670 | 7,009 |
| Average equity | $3,224,000 | 7,062 |
| Average total loans | $18,310,330 | 6,873 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4451% | 7,240 |
| Cost of funding earning assets | 0.0404% | 7,543 |
| Net interest margin | 3.4048% | 5,415 |
| Noninterest income to average assets | 3.8167% | 173 |
| Noninterest expense to average assets | 5.8868% | 206 |
| Loan and lease loss provision to assets | 2.7687% | 176 |
| Net operating income to assets | -0.9833% | 7,041 |
| Return on assets (ROA) | -0.9833% | 7,042 |
| Pretax return on assets | -1.5655% | 7,181 |
| Return on Equity (ROE) | -9.3972% | 7,010 |
| Retained earnings to average equity (ytd only) | -9.3972% | 6,836 |
| Net charge-offs to loans | 10.0595% | 37 |
| Credit loss provision to net charge-offs | 46.4208% | 3,828 |
| Earnings coverage of net charge-offs (x) | 0.2017% | 4,461 |
| Efficiency ratio | 83.0292% | 2,075 |
| Assets per employee ($millions) | 8.2927% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4149% | 1,584 |
| Loan loss allowance to noncurrent loans | 74.8744% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 3.1554% | 2,182 |
| Noncurrent loans to loans | 3.2253% | 2,328 |
| Net loans and leases to total assets | 72.6063% | 1,590 |
| Net loans and leases to deposits | 197.8206% | 19 |
| Net loans and leases to core deposits | 216.8167% | 62 |
| Total domestic deposits to total assets | 36.7031% | 7,517 |
| Equity capital to assets | 12.8547% | 1,448 |
| Core capital (leverage) ratio | 11.8971% | 1,618 |
| Tier 1 risk-based capital ratio | 15.5428% | 3,139 |
| Total risk-based capital ratio | 16.8068% | 3,086 |
| Memoranda: | ||
| Average total assets | $30,916,500 | 7,128 |
| Average earning assets | $29,723,000 | 7,061 |
| Average equity | $3,235,000 | 7,100 |
| Average total loans | $18,331,000 | 6,923 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0249% | 7,113 |
| Cost of funding earning assets | 0.0471% | 7,605 |
| Net interest margin | 3.9778% | 3,114 |
| Noninterest income to average assets | 4.8927% | 140 |
| Noninterest expense to average assets | 7.8569% | 118 |
| Loan and lease loss provision to assets | 0.5650% | 2,867 |
| Net operating income to assets | 0.1733% | 5,369 |
| Return on assets (ROA) | 0.1733% | 5,531 |
| Pretax return on assets | 0.2863% | 5,267 |
| Return on Equity (ROE) | 1.4078% | 5,583 |
| Retained earnings to average equity (ytd only) | 1.4078% | 4,830 |
| Net charge-offs to loans | 1.6843% | 1,287 |
| Credit loss provision to net charge-offs | 48.7013% | 6,280 |
| Earnings coverage of net charge-offs (x) | 0.7338% | 5,384 |
| Efficiency ratio | 90.2249% | 1,306 |
| Assets per employee ($millions) | 12.3183% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8233% | 461 |
| Loan loss allowance to noncurrent loans | 65.1032% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 3.4826% | 1,996 |
| Noncurrent loans to loans | 5.8726% | 1,077 |
| Net loans and leases to total assets | 47.2412% | 6,457 |
| Net loans and leases to deposits | 234.9664% | 20 |
| Net loans and leases to core deposits | 262.9217% | 57 |
| Total domestic deposits to total assets | 20.1055% | 7,610 |
| Equity capital to assets | 8.8540% | 5,349 |
| Core capital (leverage) ratio | 12.1767% | 1,445 |
| Tier 1 risk-based capital ratio | 14.8316% | 3,351 |
| Total risk-based capital ratio | 16.1053% | 3,294 |
| Memoranda: | ||
| Average total assets | $26,550,000 | 7,303 |
| Average earning assets | $25,466,200 | 7,245 |
| Average equity | $3,267,400 | 7,202 |
| Average total loans | $18,286,000 | 7,014 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 6,668 |
| Cost of funding earning assets | 0.0525% | 7,713 |
| Net interest margin | 4.4176% | 1,475 |
| Noninterest income to average assets | 5.4392% | 127 |
| Noninterest expense to average assets | 8.9077% | 96 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4677% | 4,454 |
| Return on assets (ROA) | 0.4677% | 4,647 |
| Pretax return on assets | 0.7461% | 4,096 |
| Return on Equity (ROE) | 3.4290% | 5,038 |
| Retained earnings to average equity (ytd only) | 3.4290% | 4,041 |
| Net charge-offs to loans | 0.0582% | 5,929 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 16.7441% | 1,366 |
| Efficiency ratio | 92.2722% | 1,107 |
| Assets per employee ($millions) | 8.5063% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4694% | 255 |
| Loan loss allowance to noncurrent loans | 61.3818% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 6.2542% | 926 |
| Noncurrent loans to loans | 7.2813% | 748 |
| Net loans and leases to total assets | 70.6924% | 2,568 |
| Net loans and leases to deposits | 178.6139% | 27 |
| Net loans and leases to core deposits | 193.7701% | 94 |
| Total domestic deposits to total assets | 39.5784% | 7,686 |
| Equity capital to assets | 12.9707% | 1,591 |
| Core capital (leverage) ratio | 12.1201% | 1,606 |
| Tier 1 risk-based capital ratio | 16.2167% | 2,662 |
| Total risk-based capital ratio | 17.5053% | 2,605 |
| Memoranda: | ||
| Average total assets | $23,948,750 | 7,474 |
| Average earning assets | $22,847,500 | 7,424 |
| Average equity | $3,266,250 | 7,292 |
| Average total loans | $18,319,500 | 7,105 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6076% | 6,437 |
| Cost of funding earning assets | 0.0447% | 7,789 |
| Net interest margin | 4.5629% | 1,079 |
| Noninterest income to average assets | 5.4556% | 126 |
| Noninterest expense to average assets | 9.1525% | 93 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4098% | 4,711 |
| Return on assets (ROA) | 0.4098% | 4,874 |
| Pretax return on assets | 0.6574% | 4,377 |
| Return on Equity (ROE) | 2.9523% | 5,252 |
| Retained earnings to average equity (ytd only) | 2.9523% | 4,247 |
| Net charge-offs to loans | 0.0882% | 5,252 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 9.6250% | 1,997 |
| Efficiency ratio | 93.2985% | 1,104 |
| Assets per employee ($millions) | 8.3033% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7161% | 214 |
| Loan loss allowance to noncurrent loans | 60.9827% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 6.4432% | 871 |
| Noncurrent loans to loans | 7.7336% | 682 |
| Net loans and leases to total assets | 68.4544% | 3,258 |
| Net loans and leases to deposits | 105.0323% | 438 |
| Net loans and leases to core deposits | 110.3761% | 1,144 |
| Total domestic deposits to total assets | 65.1746% | 7,558 |
| Equity capital to assets | 13.1473% | 1,502 |
| Core capital (leverage) ratio | 11.9508% | 1,668 |
| Tier 1 risk-based capital ratio | 16.9146% | 2,318 |
| Total risk-based capital ratio | 18.2058% | 2,250 |
| Memoranda: | ||
| Average total assets | $23,425,330 | 7,547 |
| Average earning assets | $22,354,330 | 7,495 |
| Average equity | $3,251,670 | 7,339 |
| Average total loans | $18,131,330 | 7,169 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0618% | 4,727 |
| Cost of funding earning assets | 0.0369% | 7,895 |
| Net interest margin | 5.0248% | 399 |
| Noninterest income to average assets | 5.6783% | 123 |
| Noninterest expense to average assets | 9.3286% | 85 |
| Loan and lease loss provision to assets | 0.3527% | 3,267 |
| Net operating income to assets | 0.4938% | 4,421 |
| Return on assets (ROA) | 0.4938% | 4,555 |
| Pretax return on assets | 0.7935% | 3,894 |
| Return on Equity (ROE) | 3.4568% | 5,135 |
| Retained earnings to average equity (ytd only) | 3.4568% | 4,075 |
| Net charge-offs to loans | 0.1754% | 3,869 |
| Credit loss provision to net charge-offs | 250.0000% | 1,539 |
| Earnings coverage of net charge-offs (x) | 8.1250% | 1,987 |
| Efficiency ratio | 89.0572% | 1,499 |
| Assets per employee ($millions) | 4.9098% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0125% | 172 |
| Loan loss allowance to noncurrent loans | 62.3827% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 8.1776% | 596 |
| Noncurrent loans to loans | 8.0350% | 669 |
| Net loans and leases to total assets | 83.3698% | 451 |
| Net loans and leases to deposits | 133.4393% | 69 |
| Net loans and leases to core deposits | 142.5723% | 301 |
| Total domestic deposits to total assets | 62.4777% | 7,709 |
| Equity capital to assets | 16.5691% | 591 |
| Core capital (leverage) ratio | 12.1636% | 1,562 |
| Tier 1 risk-based capital ratio | 18.3087% | 1,871 |
| Total risk-based capital ratio | 19.6028% | 1,827 |
| Memoranda: | ||
| Average total assets | $22,683,000 | 7,660 |
| Average earning assets | $21,652,500 | 7,606 |
| Average equity | $3,240,000 | 7,422 |
| Average total loans | $18,249,000 | 7,251 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7891% | 7,763 |
| Cost of funding earning assets | 0.0000% | 8,000 |
| Net interest margin | 3.7891% | 3,755 |
| Noninterest income to average assets | 4.4634% | 153 |
| Noninterest expense to average assets | 6.6047% | 237 |
| Loan and lease loss provision to assets | 1.0630% | 2,158 |
| Net operating income to assets | 0.2788% | 4,614 |
| Return on assets (ROA) | 0.2788% | 4,706 |
| Pretax return on assets | 0.4473% | 4,360 |
| Return on Equity (ROE) | 2.8909% | 4,556 |
| Retained earnings to average equity (ytd only) | 2.8909% | 3,154 |
| Net charge-offs to loans | -0.1176% | 7,893 |
| Credit loss provision to net charge-offs | -1,388.0000% | 7,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3892% | 2,683 |
| Assets per employee ($millions) | 6.4318% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4234% | 270 |
| Loan loss allowance to noncurrent loans | 38.6219% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 8.5746% | 486 |
| Noncurrent loans to loans | 11.4532% | 313 |
| Net loans and leases to total assets | 71.5552% | 2,874 |
| Net loans and leases to deposits | 143.5959% | 54 |
| Net loans and leases to core deposits | 159.1098% | 351 |
| Total domestic deposits to total assets | 49.8309% | 7,909 |
| Equity capital to assets | 12.5394% | 1,731 |
| Core capital (leverage) ratio | 9.6711% | 3,497 |
| Tier 1 risk-based capital ratio | 16.4642% | 2,331 |
| Total risk-based capital ratio | 17.7503% | 2,264 |
| Memoranda: | ||
| Average total assets | $32,643,600 | 7,377 |
| Average earning assets | $31,458,800 | 7,292 |
| Average equity | $3,147,800 | 7,548 |
| Average total loans | $21,260,400 | 7,125 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7679% | 7,877 |
| Cost of funding earning assets | 0.0000% | 8,084 |
| Net interest margin | 3.7679% | 3,786 |
| Noninterest income to average assets | 4.3871% | 149 |
| Noninterest expense to average assets | 6.5283% | 243 |
| Loan and lease loss provision to assets | 1.3460% | 1,439 |
| Net operating income to assets | 0.0892% | 5,501 |
| Return on assets (ROA) | 0.0892% | 5,550 |
| Pretax return on assets | 0.1435% | 5,431 |
| Return on Equity (ROE) | 0.9804% | 5,504 |
| Retained earnings to average equity (ytd only) | 0.9804% | 4,765 |
| Net charge-offs to loans | -0.1409% | 7,946 |
| Credit loss provision to net charge-offs | -1,508.6957% | 7,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4224% | 2,660 |
| Assets per employee ($millions) | 6.7465% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0838% | 279 |
| Loan loss allowance to noncurrent loans | 60.3693% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 5.2175% | 1,114 |
| Noncurrent loans to loans | 6.7647% | 831 |
| Net loans and leases to total assets | 73.9791% | 2,529 |
| Net loans and leases to deposits | 154.6997% | 48 |
| Net loans and leases to core deposits | 154.6997% | 483 |
| Total domestic deposits to total assets | 47.8211% | 7,991 |
| Equity capital to assets | 11.7024% | 2,434 |
| Core capital (leverage) ratio | 9.0734% | 4,537 |
| Tier 1 risk-based capital ratio | 14.9350% | 3,067 |
| Total risk-based capital ratio | 16.2213% | 2,991 |
| Memoranda: | ||
| Average total assets | $34,372,750 | 7,369 |
| Average earning assets | $33,121,000 | 7,283 |
| Average equity | $3,128,250 | 7,625 |
| Average total loans | $21,760,250 | 7,161 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6530% | 8,002 |
| Cost of funding earning assets | 0.0000% | 8,178 |
| Net interest margin | 3.6530% | 4,151 |
| Noninterest income to average assets | 4.1048% | 162 |
| Noninterest expense to average assets | 6.1680% | 305 |
| Loan and lease loss provision to assets | 1.0914% | 1,572 |
| Net operating income to assets | 0.3258% | 4,777 |
| Return on assets (ROA) | 0.3258% | 4,900 |
| Pretax return on assets | 0.3638% | 5,034 |
| Return on Equity (ROE) | 3.8482% | 4,563 |
| Retained earnings to average equity (ytd only) | 3.8482% | 3,149 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9117% | 2,899 |
| Assets per employee ($millions) | 5.5008% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2410% | 470 |
| Loan loss allowance to noncurrent loans | 48.0932% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 5.1483% | 1,009 |
| Noncurrent loans to loans | 6.7390% | 759 |
| Net loans and leases to total assets | 73.9202% | 2,722 |
| Net loans and leases to deposits | 153.6502% | 56 |
| Net loans and leases to core deposits | 153.6502% | 570 |
| Total domestic deposits to total assets | 48.1094% | 8,070 |
| Equity capital to assets | 11.6201% | 2,454 |
| Core capital (leverage) ratio | 6.8257% | 7,641 |
| Tier 1 risk-based capital ratio | 13.8938% | 3,579 |
| Total risk-based capital ratio | 15.1632% | 3,505 |
| Memoranda: | ||
| Average total assets | $36,835,000 | 7,345 |
| Average earning assets | $35,477,330 | 7,240 |
| Average equity | $3,118,330 | 7,692 |
| Average total loans | $22,075,670 | 7,209 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3909% | 8,105 |
| Cost of funding earning assets | 0.0000% | 8,229 |
| Net interest margin | 3.3909% | 5,174 |
| Noninterest income to average assets | 3.4409% | 185 |
| Noninterest expense to average assets | 5.4939% | 365 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8482% | 2,914 |
| Return on assets (ROA) | 0.8482% | 3,068 |
| Pretax return on assets | 1.2241% | 2,536 |
| Return on Equity (ROE) | 11.4304% | 1,835 |
| Retained earnings to average equity (ytd only) | 11.4304% | 895 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7791% | 2,562 |
| Assets per employee ($millions) | 4.7902% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2325% | 1,046 |
| Loan loss allowance to noncurrent loans | 76.1905% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 2.7835% | 2,035 |
| Noncurrent loans to loans | 2.9301% | 2,228 |
| Net loans and leases to total assets | 73.1394% | 2,980 |
| Net loans and leases to deposits | 130.7114% | 141 |
| Net loans and leases to core deposits | 130.7114% | 1,614 |
| Total domestic deposits to total assets | 55.9549% | 8,043 |
| Equity capital to assets | 11.2174% | 2,796 |
| Core capital (leverage) ratio | 5.4398% | 8,086 |
| Tier 1 risk-based capital ratio | 14.0694% | 3,545 |
| Total risk-based capital ratio | 15.3306% | 3,464 |
| Memoranda: | ||
| Average total assets | $41,500,500 | 7,189 |
| Average earning assets | $40,107,500 | 7,094 |
| Average equity | $3,079,500 | 7,755 |
| Average total loans | $22,607,500 | 7,207 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1595% | 8,083 |
| Cost of funding earning assets | 0.4717% | 8,196 |
| Net interest margin | 3.6878% | 4,520 |
| Noninterest income to average assets | 3.1324% | 189 |
| Noninterest expense to average assets | 5.4641% | 507 |
| Loan and lease loss provision to assets | 3.5809% | 218 |
| Net operating income to assets | -1.5380% | 7,482 |
| Return on assets (ROA) | -1.5380% | 7,431 |
| Pretax return on assets | -2.2965% | 7,534 |
| Return on Equity (ROE) | -18.6291% | 7,731 |
| Retained earnings to average equity (ytd only) | -18.6291% | 7,644 |
| Net charge-offs to loans | 5.6742% | 71 |
| Credit loss provision to net charge-offs | 104.0956% | 5,135 |
| Earnings coverage of net charge-offs (x) | 0.3734% | 6,009 |
| Efficiency ratio | 80.9673% | 2,452 |
| Assets per employee ($millions) | 9.0433% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0241% | 1,178 |
| Loan loss allowance to noncurrent loans | 58.0411% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 1.5241% | 3,167 |
| Noncurrent loans to loans | 3.4874% | 1,451 |
| Net loans and leases to total assets | 42.8198% | 7,540 |
| Net loans and leases to deposits | 45.5087% | 7,800 |
| Net loans and leases to core deposits | 45.5087% | 7,973 |
| Total domestic deposits to total assets | 94.0914% | 28 |
| Equity capital to assets | 5.4091% | 8,142 |
| Core capital (leverage) ratio | 6.7589% | 7,833 |
| Tier 1 risk-based capital ratio | 9.4742% | 7,338 |
| Total risk-based capital ratio | 10.7266% | 7,252 |
| Memoranda: | ||
| Average total assets | $42,587,000 | 7,097 |
| Average earning assets | $41,759,800 | 6,958 |
| Average equity | $3,516,000 | 7,676 |
| Average total loans | $25,818,800 | 6,980 |