Home > Nebraska National Bank > Performance and Condition Ratios
Nebraska National 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 | 5.3952% | 1,521 |
| Cost of funding earning assets | 1.6493% | 476 |
| Net interest margin | 3.7459% | 4,129 |
| Noninterest income to average assets | 0.3458% | 5,095 |
| Noninterest expense to average assets | 1.9685% | 6,756 |
| Loan and lease loss provision to assets | 0.4133% | 2,397 |
| Net operating income to assets | 1.3690% | 1,222 |
| Return on assets (ROA) | 1.2912% | 1,497 |
| Pretax return on assets | 1.3300% | 2,183 |
| Return on Equity (ROE) | 13.8230% | 1,073 |
| Retained earnings to average equity (ytd only) | 10.2115% | 788 |
| Net charge-offs to loans | 0.4928% | 2,777 |
| Credit loss provision to net charge-offs | 142.8571% | 2,224 |
| Earnings coverage of net charge-offs (x) | 6.3032% | 2,575 |
| Efficiency ratio | 51.9128% | 6,684 |
| Assets per employee ($millions) | 6.2782% | 1,043 |
| Cash dividends to net income (ytd only)* | 26.1267% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0102% | 2,309 |
| Loan loss allowance to noncurrent loans | 105.3846% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 1.3312% | 4,146 |
| Noncurrent loans to loans | 1.9075% | 3,489 |
| Net loans and leases to total assets | 57.2768% | 4,630 |
| Net loans and leases to deposits | 69.0308% | 4,446 |
| Net loans and leases to core deposits | 72.6387% | 4,631 |
| Total domestic deposits to total assets | 82.9727% | 4,696 |
| Equity capital to assets | 9.6464% | 4,859 |
| Core capital (leverage) ratio | 8.9533% | 5,008 |
| Tier 1 risk-based capital ratio | 12.3162% | 5,652 |
| Total risk-based capital ratio | 13.5794% | 5,630 |
| Memoranda: | ||
| Average total assets | $158,088,000 | 3,687 |
| Average earning assets | $145,433,750 | 3,674 |
| Average equity | $14,767,250 | 3,966 |
| Average total loans | $92,807,750 | 3,826 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4417% | 1,442 |
| Cost of funding earning assets | 1.6966% | 472 |
| Net interest margin | 3.7451% | 4,058 |
| Noninterest income to average assets | 0.3811% | 4,833 |
| Noninterest expense to average assets | 1.8098% | 7,073 |
| Loan and lease loss provision to assets | 0.3070% | 2,958 |
| Net operating income to assets | 1.6640% | 647 |
| Return on assets (ROA) | 1.5003% | 950 |
| Pretax return on assets | 1.5399% | 1,402 |
| Return on Equity (ROE) | 16.2454% | 644 |
| Retained earnings to average equity (ytd only) | 10.7056% | 721 |
| Net charge-offs to loans | 0.1305% | 4,433 |
| Credit loss provision to net charge-offs | 400.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 26.2667% | 1,022 |
| Efficiency ratio | 47.3086% | 7,092 |
| Assets per employee ($millions) | 5.8990% | 1,237 |
| Cash dividends to net income (ytd only)* | 34.1006% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0922% | 2,134 |
| Loan loss allowance to noncurrent loans | 64.7195% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 2.3029% | 2,856 |
| Noncurrent loans to loans | 3.2328% | 2,210 |
| Net loans and leases to total assets | 57.2925% | 4,769 |
| Net loans and leases to deposits | 68.7744% | 4,593 |
| Net loans and leases to core deposits | 72.0756% | 4,811 |
| Total domestic deposits to total assets | 83.3049% | 4,638 |
| Equity capital to assets | 9.4410% | 4,907 |
| Core capital (leverage) ratio | 8.8397% | 4,983 |
| Tier 1 risk-based capital ratio | 12.2750% | 5,539 |
| Total risk-based capital ratio | 13.5390% | 5,513 |
| Memoranda: | ||
| Average total assets | $156,373,330 | 3,746 |
| Average earning assets | $143,816,330 | 3,723 |
| Average equity | $14,441,000 | 4,026 |
| Average total loans | $91,939,670 | 3,892 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4508% | 1,426 |
| Cost of funding earning assets | 1.7077% | 533 |
| Net interest margin | 3.7430% | 3,880 |
| Noninterest income to average assets | 0.4493% | 4,294 |
| Noninterest expense to average assets | 1.8822% | 7,022 |
| Loan and lease loss provision to assets | 0.1936% | 3,694 |
| Net operating income to assets | 1.7751% | 516 |
| Return on assets (ROA) | 1.3994% | 1,103 |
| Pretax return on assets | 1.4381% | 1,627 |
| Return on Equity (ROE) | 15.3291% | 771 |
| Retained earnings to average equity (ytd only) | 9.6726% | 1,194 |
| Net charge-offs to loans | 0.0394% | 4,562 |
| Credit loss provision to net charge-offs | 833.3333% | 458 |
| Earnings coverage of net charge-offs (x) | 86.8889% | 358 |
| Efficiency ratio | 48.2462% | 7,109 |
| Assets per employee ($millions) | 5.8320% | 1,316 |
| Cash dividends to net income (ytd only)* | 36.9004% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0488% | 2,295 |
| Loan loss allowance to noncurrent loans | 101.7738% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 1.5762% | 3,882 |
| Noncurrent loans to loans | 2.0131% | 3,560 |
| Net loans and leases to total assets | 55.7432% | 5,038 |
| Net loans and leases to deposits | 67.9381% | 4,689 |
| Net loans and leases to core deposits | 70.2849% | 5,012 |
| Total domestic deposits to total assets | 82.0500% | 5,294 |
| Equity capital to assets | 9.3233% | 4,688 |
| Core capital (leverage) ratio | 8.7755% | 4,961 |
| Tier 1 risk-based capital ratio | 12.1659% | 5,534 |
| Total risk-based capital ratio | 13.4296% | 5,520 |
| Memoranda: | ||
| Average total assets | $154,923,000 | 3,795 |
| Average earning assets | $142,879,000 | 3,774 |
| Average equity | $14,143,000 | 4,085 |
| Average total loans | $91,308,500 | 3,945 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8683% | 1,107 |
| Cost of funding earning assets | 2.1467% | 364 |
| Net interest margin | 3.7216% | 4,264 |
| Noninterest income to average assets | 0.4866% | 4,274 |
| Noninterest expense to average assets | 1.9591% | 7,086 |
| Loan and lease loss provision to assets | 0.3843% | 3,810 |
| Net operating income to assets | 1.5120% | 741 |
| Return on assets (ROA) | 1.1250% | 1,705 |
| Pretax return on assets | 1.1590% | 2,365 |
| Return on Equity (ROE) | 13.1894% | 1,042 |
| Retained earnings to average equity (ytd only) | 11.2302% | 354 |
| Net charge-offs to loans | 0.2685% | 4,684 |
| Credit loss provision to net charge-offs | 232.7935% | 1,263 |
| Earnings coverage of net charge-offs (x) | 11.7652% | 1,576 |
| Efficiency ratio | 50.2142% | 7,108 |
| Assets per employee ($millions) | 5.6437% | 1,464 |
| Cash dividends to net income (ytd only)* | 14.8544% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9031% | 2,555 |
| Loan loss allowance to noncurrent loans | 79.5148% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.5940% | 3,917 |
| Noncurrent loans to loans | 2.3934% | 3,126 |
| Net loans and leases to total assets | 59.8730% | 4,702 |
| Net loans and leases to deposits | 71.6592% | 4,574 |
| Net loans and leases to core deposits | 73.6865% | 5,019 |
| Total domestic deposits to total assets | 83.5524% | 4,577 |
| Equity capital to assets | 8.9283% | 5,242 |
| Core capital (leverage) ratio | 8.6452% | 5,112 |
| Tier 1 risk-based capital ratio | 11.7466% | 5,693 |
| Total risk-based capital ratio | 13.0008% | 5,693 |
| Memoranda: | ||
| Average total assets | $149,606,400 | 3,883 |
| Average earning assets | $137,279,000 | 3,870 |
| Average equity | $12,760,200 | 4,406 |
| Average total loans | $91,975,600 | 4,007 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9425% | 1,049 |
| Cost of funding earning assets | 2.2227% | 358 |
| Net interest margin | 3.7198% | 4,305 |
| Noninterest income to average assets | 0.4432% | 4,613 |
| Noninterest expense to average assets | 2.0092% | 7,034 |
| Loan and lease loss provision to assets | 0.4119% | 3,433 |
| Net operating income to assets | 1.3903% | 1,123 |
| Return on assets (ROA) | 1.0655% | 2,129 |
| Pretax return on assets | 1.0977% | 2,834 |
| Return on Equity (ROE) | 12.6435% | 1,349 |
| Retained earnings to average equity (ytd only) | 11.5810% | 512 |
| Net charge-offs to loans | -0.0393% | 7,440 |
| Credit loss provision to net charge-offs | -1,703.7037% | 7,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1375% | 6,959 |
| Assets per employee ($millions) | 5.7873% | 1,402 |
| Cash dividends to net income (ytd only)* | 8.4033% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0330% | 2,141 |
| Loan loss allowance to noncurrent loans | 104.1577% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 1.3810% | 4,402 |
| Noncurrent loans to loans | 1.9518% | 3,745 |
| Net loans and leases to total assets | 61.7774% | 4,579 |
| Net loans and leases to deposits | 74.6685% | 4,404 |
| Net loans and leases to core deposits | 76.9830% | 4,923 |
| Total domestic deposits to total assets | 82.7355% | 4,703 |
| Equity capital to assets | 9.0596% | 5,497 |
| Core capital (leverage) ratio | 8.4560% | 5,589 |
| Tier 1 risk-based capital ratio | 11.3450% | 6,057 |
| Total risk-based capital ratio | 12.6032% | 6,041 |
| Memoranda: | ||
| Average total assets | $148,912,750 | 3,940 |
| Average earning assets | $136,527,500 | 3,928 |
| Average equity | $12,549,000 | 4,536 |
| Average total loans | $91,718,250 | 4,075 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9365% | 1,091 |
| Cost of funding earning assets | 2.2663% | 379 |
| Net interest margin | 3.6702% | 4,505 |
| Noninterest income to average assets | 0.4488% | 4,525 |
| Noninterest expense to average assets | 2.0109% | 7,088 |
| Loan and lease loss provision to assets | 0.4582% | 3,028 |
| Net operating income to assets | 1.3003% | 1,305 |
| Return on assets (ROA) | 0.8990% | 2,673 |
| Pretax return on assets | 0.9273% | 3,397 |
| Return on Equity (ROE) | 10.9452% | 1,775 |
| Retained earnings to average equity (ytd only) | 10.1247% | 819 |
| Net charge-offs to loans | -0.0419% | 7,419 |
| Credit loss provision to net charge-offs | -1,789.4737% | 6,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7768% | 7,003 |
| Assets per employee ($millions) | 5.6645% | 1,477 |
| Cash dividends to net income (ytd only)* | 7.4963% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8775% | 2,481 |
| Loan loss allowance to noncurrent loans | 130.4127% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 1.0671% | 5,002 |
| Noncurrent loans to loans | 1.4397% | 4,554 |
| Net loans and leases to total assets | 61.5427% | 4,770 |
| Net loans and leases to deposits | 74.2408% | 4,639 |
| Net loans and leases to core deposits | 76.8924% | 5,093 |
| Total domestic deposits to total assets | 82.8960% | 4,614 |
| Equity capital to assets | 8.2215% | 6,513 |
| Core capital (leverage) ratio | 8.1835% | 5,970 |
| Tier 1 risk-based capital ratio | 10.8415% | 6,408 |
| Total risk-based capital ratio | 12.0921% | 6,401 |
| Memoranda: | ||
| Average total assets | $148,393,330 | 3,984 |
| Average earning assets | $135,905,670 | 3,975 |
| Average equity | $12,188,000 | 4,631 |
| Average total loans | $90,662,330 | 4,131 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8870% | 1,229 |
| Cost of funding earning assets | 2.3183% | 406 |
| Net interest margin | 3.5687% | 4,859 |
| Noninterest income to average assets | 0.3915% | 4,989 |
| Noninterest expense to average assets | 2.1270% | 6,873 |
| Loan and lease loss provision to assets | 0.3832% | 3,068 |
| Net operating income to assets | 1.1335% | 1,735 |
| Return on assets (ROA) | 0.8815% | 2,699 |
| Pretax return on assets | 0.8924% | 3,497 |
| Return on Equity (ROE) | 10.7378% | 1,859 |
| Retained earnings to average equity (ytd only) | 10.7378% | 978 |
| Net charge-offs to loans | -0.1636% | 7,632 |
| Credit loss provision to net charge-offs | -388.8889% | 6,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1587% | 6,468 |
| Assets per employee ($millions) | 5.5273% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8051% | 2,715 |
| Loan loss allowance to noncurrent loans | 96.4818% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 1.2919% | 4,596 |
| Noncurrent loans to loans | 1.8709% | 3,967 |
| Net loans and leases to total assets | 58.9777% | 5,290 |
| Net loans and leases to deposits | 69.8678% | 5,362 |
| Net loans and leases to core deposits | 72.4149% | 5,662 |
| Total domestic deposits to total assets | 84.4133% | 3,943 |
| Equity capital to assets | 8.3807% | 6,185 |
| Core capital (leverage) ratio | 8.2902% | 5,761 |
| Tier 1 risk-based capital ratio | 10.6852% | 6,457 |
| Total risk-based capital ratio | 11.9143% | 6,466 |
| Memoranda: | ||
| Average total assets | $146,119,500 | 4,092 |
| Average earning assets | $133,718,000 | 4,081 |
| Average equity | $11,995,000 | 4,718 |
| Average total loans | $88,031,000 | 4,254 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2925% | 1,042 |
| Cost of funding earning assets | 2.9413% | 272 |
| Net interest margin | 3.3511% | 5,552 |
| Noninterest income to average assets | 0.5534% | 3,993 |
| Noninterest expense to average assets | 2.0124% | 7,355 |
| Loan and lease loss provision to assets | 0.3354% | 4,792 |
| Net operating income to assets | 1.2650% | 1,101 |
| Return on assets (ROA) | 0.8502% | 2,428 |
| Pretax return on assets | 0.8436% | 3,102 |
| Return on Equity (ROE) | 12.1410% | 1,124 |
| Retained earnings to average equity (ytd only) | 10.0585% | 367 |
| Net charge-offs to loans | 0.1723% | 5,569 |
| Credit loss provision to net charge-offs | 321.6783% | 1,013 |
| Earnings coverage of net charge-offs (x) | 15.2867% | 1,315 |
| Efficiency ratio | 55.8027% | 7,042 |
| Assets per employee ($millions) | 5.9585% | 1,276 |
| Cash dividends to net income (ytd only)* | 17.1527% | 3,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6684% | 3,010 |
| Loan loss allowance to noncurrent loans | 48.9145% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 2.2916% | 3,017 |
| Noncurrent loans to loans | 3.4109% | 2,238 |
| Net loans and leases to total assets | 59.4295% | 5,429 |
| Net loans and leases to deposits | 71.0734% | 5,459 |
| Net loans and leases to core deposits | 86.7178% | 5,452 |
| Total domestic deposits to total assets | 83.6171% | 4,224 |
| Equity capital to assets | 8.0299% | 6,548 |
| Core capital (leverage) ratio | 8.2625% | 5,697 |
| Tier 1 risk-based capital ratio | 10.5966% | 6,298 |
| Total risk-based capital ratio | 11.7657% | 6,358 |
| Memoranda: | ||
| Average total assets | $137,151,800 | 4,189 |
| Average earning assets | $124,942,800 | 4,194 |
| Average equity | $9,603,800 | 5,414 |
| Average total loans | $83,007,400 | 4,414 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3545% | 1,019 |
| Cost of funding earning assets | 3.0590% | 274 |
| Net interest margin | 3.2955% | 5,658 |
| Noninterest income to average assets | 0.5581% | 4,020 |
| Noninterest expense to average assets | 1.9642% | 7,450 |
| Loan and lease loss provision to assets | 0.3577% | 4,176 |
| Net operating income to assets | 1.2577% | 1,323 |
| Return on assets (ROA) | 0.7851% | 2,939 |
| Pretax return on assets | 0.7625% | 3,656 |
| Return on Equity (ROE) | 11.6631% | 1,452 |
| Retained earnings to average equity (ytd only) | 11.6631% | 385 |
| Net charge-offs to loans | 0.2029% | 4,777 |
| Credit loss provision to net charge-offs | 291.2000% | 1,428 |
| Earnings coverage of net charge-offs (x) | 12.9682% | 1,712 |
| Efficiency ratio | 55.2210% | 7,096 |
| Assets per employee ($millions) | 5.8618% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 3,018 |
| Loan loss allowance to noncurrent loans | 64.2353% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 1.7443% | 3,745 |
| Noncurrent loans to loans | 2.4802% | 3,039 |
| Net loans and leases to total assets | 59.9301% | 5,592 |
| Net loans and leases to deposits | 72.3261% | 5,594 |
| Net loans and leases to core deposits | 89.1785% | 5,514 |
| Total domestic deposits to total assets | 82.8609% | 4,291 |
| Equity capital to assets | 7.8751% | 6,964 |
| Core capital (leverage) ratio | 8.2134% | 5,989 |
| Tier 1 risk-based capital ratio | 10.5802% | 6,370 |
| Total risk-based capital ratio | 11.7431% | 6,430 |
| Memoranda: | ||
| Average total assets | $135,689,000 | 4,239 |
| Average earning assets | $123,478,000 | 4,258 |
| Average equity | $9,134,000 | 5,619 |
| Average total loans | $82,152,250 | 4,478 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3782% | 1,050 |
| Cost of funding earning assets | 3.1858% | 277 |
| Net interest margin | 3.1924% | 5,943 |
| Noninterest income to average assets | 0.5327% | 4,160 |
| Noninterest expense to average assets | 1.9444% | 7,560 |
| Loan and lease loss provision to assets | 0.3880% | 3,584 |
| Net operating income to assets | 1.1476% | 1,618 |
| Return on assets (ROA) | 0.8834% | 2,624 |
| Pretax return on assets | 0.8297% | 3,571 |
| Return on Equity (ROE) | 13.9529% | 998 |
| Retained earnings to average equity (ytd only) | 13.9529% | 258 |
| Net charge-offs to loans | 0.2816% | 3,784 |
| Credit loss provision to net charge-offs | 228.0702% | 2,016 |
| Earnings coverage of net charge-offs (x) | 8.7105% | 2,226 |
| Efficiency ratio | 56.7509% | 7,020 |
| Assets per employee ($millions) | 5.6803% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5497% | 2,955 |
| Loan loss allowance to noncurrent loans | 61.0764% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.7781% | 3,511 |
| Noncurrent loans to loans | 2.5373% | 2,852 |
| Net loans and leases to total assets | 59.2292% | 5,801 |
| Net loans and leases to deposits | 70.0391% | 5,983 |
| Net loans and leases to core deposits | 85.6340% | 5,942 |
| Total domestic deposits to total assets | 84.5659% | 3,469 |
| Equity capital to assets | 6.7558% | 7,732 |
| Core capital (leverage) ratio | 8.2757% | 5,848 |
| Tier 1 risk-based capital ratio | 10.4618% | 6,410 |
| Total risk-based capital ratio | 11.6206% | 6,445 |
| Memoranda: | ||
| Average total assets | $134,024,000 | 4,302 |
| Average earning assets | $121,476,000 | 4,331 |
| Average equity | $8,485,670 | 5,845 |
| Average total loans | $80,977,330 | 4,559 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3820% | 1,108 |
| Cost of funding earning assets | 3.2958% | 272 |
| Net interest margin | 3.0862% | 6,233 |
| Noninterest income to average assets | 0.4365% | 4,899 |
| Noninterest expense to average assets | 1.8755% | 7,594 |
| Loan and lease loss provision to assets | 0.4516% | 2,662 |
| Net operating income to assets | 1.0536% | 2,122 |
| Return on assets (ROA) | 0.5208% | 4,522 |
| Pretax return on assets | 0.3703% | 5,481 |
| Return on Equity (ROE) | 8.5185% | 2,922 |
| Retained earnings to average equity (ytd only) | 8.5185% | 1,628 |
| Net charge-offs to loans | 0.5220% | 2,155 |
| Credit loss provision to net charge-offs | 142.8571% | 2,868 |
| Earnings coverage of net charge-offs (x) | 4.2857% | 2,919 |
| Efficiency ratio | 58.0615% | 6,695 |
| Assets per employee ($millions) | 5.6599% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4538% | 3,211 |
| Loan loss allowance to noncurrent loans | 58.7940% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 1.7175% | 3,346 |
| Noncurrent loans to loans | 2.4727% | 2,662 |
| Net loans and leases to total assets | 58.3854% | 5,880 |
| Net loans and leases to deposits | 67.8696% | 6,200 |
| Net loans and leases to core deposits | 83.3577% | 6,110 |
| Total domestic deposits to total assets | 86.0259% | 2,704 |
| Equity capital to assets | 5.9947% | 7,999 |
| Core capital (leverage) ratio | 8.1208% | 6,255 |
| Tier 1 risk-based capital ratio | 10.2565% | 6,638 |
| Total risk-based capital ratio | 11.3522% | 6,720 |
| Memoranda: | ||
| Average total assets | $132,872,000 | 4,356 |
| Average earning assets | $120,276,000 | 4,379 |
| Average equity | $8,123,500 | 6,008 |
| Average total loans | $80,457,500 | 4,598 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8195% | 1,614 |
| Cost of funding earning assets | 3.9419% | 119 |
| Net interest margin | 2.8776% | 7,199 |
| Noninterest income to average assets | 0.4881% | 4,710 |
| Noninterest expense to average assets | 1.7666% | 7,788 |
| Loan and lease loss provision to assets | 0.6777% | 2,143 |
| Net operating income to assets | 0.6440% | 4,131 |
| Return on assets (ROA) | -0.2805% | 6,570 |
| Pretax return on assets | -0.2413% | 6,405 |
| Return on Equity (ROE) | -3.9386% | 6,736 |
| Retained earnings to average equity (ytd only) | -3.9386% | 6,313 |
| Net charge-offs to loans | 0.5409% | 2,205 |
| Credit loss provision to net charge-offs | 205.9524% | 2,355 |
| Earnings coverage of net charge-offs (x) | 4.1357% | 4,089 |
| Efficiency ratio | 56.4880% | 6,942 |
| Assets per employee ($millions) | 5.4128% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 3,207 |
| Loan loss allowance to noncurrent loans | 54.4004% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 1.8559% | 2,662 |
| Noncurrent loans to loans | 2.5710% | 2,109 |
| Net loans and leases to total assets | 61.0521% | 5,763 |
| Net loans and leases to deposits | 72.4599% | 6,002 |
| Net loans and leases to core deposits | 88.9985% | 5,891 |
| Total domestic deposits to total assets | 84.2564% | 3,200 |
| Equity capital to assets | 6.2383% | 8,007 |
| Core capital (leverage) ratio | 8.2319% | 6,101 |
| Tier 1 risk-based capital ratio | 10.7929% | 5,924 |
| Total risk-based capital ratio | 11.9197% | 5,938 |
| Memoranda: | ||
| Average total assets | $127,642,800 | 4,331 |
| Average earning assets | $117,075,600 | 4,338 |
| Average equity | $9,089,600 | 5,709 |
| Average total loans | $77,643,000 | 4,598 |