Home > New City Bank > Performance and Condition Ratios
New City Bank, Performance and Condition Ratios
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3903% | 1,441 |
| Cost of funding earning assets | 1.2787% | 1,584 |
| Net interest margin | 4.1115% | 2,383 |
| Noninterest income to average assets | -1.4032% | 7,339 |
| Noninterest expense to average assets | 3.4302% | 2,165 |
| Loan and lease loss provision to assets | 10.0645% | 2 |
| Net operating income to assets | -11.2306% | 7,353 |
| Return on assets (ROA) | -11.1479% | 7,354 |
| Pretax return on assets | -11.1479% | 7,354 |
| Return on Equity (ROE) | -248.0654% | 7,350 |
| Retained earnings to average equity (ytd only) | -248.0654% | 7,350 |
| Net charge-offs to loans | 9.2509% | 11 |
| Credit loss provision to net charge-offs | 175.4717% | 1,498 |
| Earnings coverage of net charge-offs (x) | -0.2033% | 5,959 |
| Efficiency ratio | 151.5038% | 138 |
| Assets per employee ($millions) | 7.9113% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.7923% | 5 |
| Loan loss allowance to noncurrent loans | 49.7394% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 22.0513% | 37 |
| Noncurrent loans to loans | 27.7291% | 19 |
| Net loans and leases to total assets | 51.1081% | 5,447 |
| Net loans and leases to deposits | 50.2631% | 6,346 |
| Net loans and leases to core deposits | 84.3396% | 2,847 |
| Total domestic deposits to total assets | 101.6811% | 3 |
| Equity capital to assets | -2.5294% | 7,355 |
| Core capital (leverage) ratio | -2.3783% | 7,355 |
| Tier 1 risk-based capital ratio | -3.9111% | 7,354 |
| Total risk-based capital ratio | -3.9111% | 7,354 |
| Memoranda: | ||
| Average total assets | $82,239,800 | 5,395 |
| Average earning assets | $73,354,400 | 5,425 |
| Average equity | $3,695,800 | 6,831 |
| Average total loans | $50,989,400 | 5,234 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6074% | 1,017 |
| Cost of funding earning assets | 1.2872% | 1,777 |
| Net interest margin | 4.3202% | 1,641 |
| Noninterest income to average assets | -0.4361% | 7,333 |
| Noninterest expense to average assets | 3.0180% | 3,490 |
| Loan and lease loss provision to assets | 9.2689% | 2 |
| Net operating income to assets | -8.8987% | 7,422 |
| Return on assets (ROA) | -8.8548% | 7,424 |
| Pretax return on assets | -8.8516% | 7,425 |
| Return on Equity (ROE) | -148.4513% | 7,411 |
| Retained earnings to average equity (ytd only) | -148.4513% | 7,411 |
| Net charge-offs to loans | 4.8309% | 103 |
| Credit loss provision to net charge-offs | 306.6424% | 929 |
| Earnings coverage of net charge-offs (x) | 0.1235% | 5,509 |
| Efficiency ratio | 88.9917% | 1,249 |
| Assets per employee ($millions) | 8.4250% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.7799% | 9 |
| Loan loss allowance to noncurrent loans | 60.2315% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 19.9275% | 52 |
| Noncurrent loans to loans | 22.8783% | 39 |
| Net loans and leases to total assets | 51.5160% | 5,506 |
| Net loans and leases to deposits | 53.1832% | 6,274 |
| Net loans and leases to core deposits | 56.2999% | 6,294 |
| Total domestic deposits to total assets | 96.8652% | 20 |
| Equity capital to assets | 2.3066% | 7,387 |
| Core capital (leverage) ratio | 2.1039% | 7,390 |
| Tier 1 risk-based capital ratio | 3.4909% | 7,381 |
| Total risk-based capital ratio | 4.8804% | 7,376 |
| Memoranda: | ||
| Average total assets | $84,999,250 | 5,353 |
| Average earning assets | $75,303,750 | 5,409 |
| Average equity | $5,070,000 | 6,476 |
| Average total loans | $53,183,750 | 5,195 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8039% | 717 |
| Cost of funding earning assets | 1.2559% | 2,219 |
| Net interest margin | 4.5480% | 1,017 |
| Noninterest income to average assets | 0.5701% | 3,335 |
| Noninterest expense to average assets | 3.0616% | 3,387 |
| Loan and lease loss provision to assets | 6.8137% | 14 |
| Net operating income to assets | -5.2466% | 7,444 |
| Return on assets (ROA) | -5.1830% | 7,445 |
| Pretax return on assets | -5.1784% | 7,443 |
| Return on Equity (ROE) | -73.8870% | 7,411 |
| Retained earnings to average equity (ytd only) | -73.8870% | 7,408 |
| Net charge-offs to loans | -0.1541% | 7,258 |
| Credit loss provision to net charge-offs | -6,976.7442% | 6,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0784% | 4,860 |
| Assets per employee ($millions) | 8.3481% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.9917% | 17 |
| Loan loss allowance to noncurrent loans | 47.5742% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 21.4252% | 50 |
| Noncurrent loans to loans | 21.0024% | 49 |
| Net loans and leases to total assets | 57.2454% | 4,778 |
| Net loans and leases to deposits | 61.3214% | 5,575 |
| Net loans and leases to core deposits | 64.6960% | 5,649 |
| Total domestic deposits to total assets | 93.3530% | 112 |
| Equity capital to assets | 6.0241% | 7,238 |
| Core capital (leverage) ratio | 5.8512% | 7,219 |
| Tier 1 risk-based capital ratio | 8.6484% | 7,206 |
| Total risk-based capital ratio | 9.9937% | 7,201 |
| Memoranda: | ||
| Average total assets | $88,057,330 | 5,311 |
| Average earning assets | $78,671,670 | 5,358 |
| Average equity | $6,177,000 | 6,178 |
| Average total loans | $55,810,000 | 5,133 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9648% | 506 |
| Cost of funding earning assets | 1.2420% | 2,556 |
| Net interest margin | 4.7227% | 672 |
| Noninterest income to average assets | 0.1815% | 6,420 |
| Noninterest expense to average assets | 2.8291% | 4,335 |
| Loan and lease loss provision to assets | 5.4236% | 53 |
| Net operating income to assets | -3.8165% | 7,438 |
| Return on assets (ROA) | -3.7235% | 7,440 |
| Pretax return on assets | -3.7191% | 7,423 |
| Return on Equity (ROE) | -49.8297% | 7,418 |
| Retained earnings to average equity (ytd only) | -49.8297% | 7,404 |
| Net charge-offs to loans | -0.2169% | 7,273 |
| Credit loss provision to net charge-offs | -3,951.6129% | 6,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7089% | 5,411 |
| Assets per employee ($millions) | 8.9017% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2516% | 88 |
| Loan loss allowance to noncurrent loans | 51.7581% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 12.9279% | 217 |
| Noncurrent loans to loans | 12.0784% | 271 |
| Net loans and leases to total assets | 59.2651% | 4,409 |
| Net loans and leases to deposits | 64.1816% | 5,230 |
| Net loans and leases to core deposits | 69.7416% | 5,079 |
| Total domestic deposits to total assets | 92.3397% | 203 |
| Equity capital to assets | 7.1200% | 7,048 |
| Core capital (leverage) ratio | 7.2371% | 6,900 |
| Tier 1 risk-based capital ratio | 10.8093% | 6,633 |
| Total risk-based capital ratio | 12.1155% | 6,579 |
| Memoranda: | ||
| Average total assets | $90,345,500 | 5,277 |
| Average earning assets | $81,478,500 | 5,315 |
| Average equity | $6,751,000 | 6,006 |
| Average total loans | $57,168,000 | 5,127 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2081% | 550 |
| Cost of funding earning assets | 1.7419% | 1,417 |
| Net interest margin | 4.4662% | 1,307 |
| Noninterest income to average assets | -0.4091% | 7,543 |
| Noninterest expense to average assets | 2.5962% | 5,432 |
| Loan and lease loss provision to assets | 3.8091% | 176 |
| Net operating income to assets | -2.7633% | 7,239 |
| Return on assets (ROA) | -2.7223% | 7,249 |
| Pretax return on assets | -2.7223% | 7,226 |
| Return on Equity (ROE) | -30.9715% | 7,246 |
| Retained earnings to average equity (ytd only) | -30.9715% | 7,234 |
| Net charge-offs to loans | 5.0207% | 175 |
| Credit loss provision to net charge-offs | 118.1992% | 3,606 |
| Earnings coverage of net charge-offs (x) | 0.3245% | 5,783 |
| Efficiency ratio | 71.2838% | 3,937 |
| Assets per employee ($millions) | 9.1674% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8958% | 434 |
| Loan loss allowance to noncurrent loans | 36.4780% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 12.4299% | 253 |
| Noncurrent loans to loans | 10.6800% | 374 |
| Net loans and leases to total assets | 60.8679% | 4,514 |
| Net loans and leases to deposits | 66.4270% | 5,347 |
| Net loans and leases to core deposits | 69.7910% | 5,460 |
| Total domestic deposits to total assets | 91.6312% | 364 |
| Equity capital to assets | 7.8146% | 6,664 |
| Core capital (leverage) ratio | 7.8116% | 6,429 |
| Tier 1 risk-based capital ratio | 11.5507% | 5,863 |
| Total risk-based capital ratio | 12.8284% | 5,851 |
| Memoranda: | ||
| Average total assets | $97,528,600 | 5,060 |
| Average earning assets | $88,464,800 | 5,066 |
| Average equity | $8,572,400 | 5,533 |
| Average total loans | $62,601,400 | 4,971 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2833% | 528 |
| Cost of funding earning assets | 1.8629% | 1,155 |
| Net interest margin | 4.4204% | 1,463 |
| Noninterest income to average assets | -0.4472% | 7,666 |
| Noninterest expense to average assets | 2.3368% | 6,213 |
| Loan and lease loss provision to assets | 2.3597% | 460 |
| Net operating income to assets | -1.1327% | 6,960 |
| Return on assets (ROA) | -1.0788% | 6,975 |
| Pretax return on assets | -1.0788% | 6,893 |
| Return on Equity (ROE) | -11.9667% | 7,014 |
| Retained earnings to average equity (ytd only) | -11.9667% | 6,975 |
| Net charge-offs to loans | 4.0227% | 300 |
| Credit loss provision to net charge-offs | 91.1076% | 4,724 |
| Earnings coverage of net charge-offs (x) | 0.4737% | 5,552 |
| Efficiency ratio | 65.5707% | 4,950 |
| Assets per employee ($millions) | 9.7680% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5069% | 1,317 |
| Loan loss allowance to noncurrent loans | 29.3130% | 6,372 |
| Noncurrent assets plus other real estate owned to assets | 9.9805% | 416 |
| Noncurrent loans to loans | 8.5521% | 577 |
| Net loans and leases to total assets | 60.4771% | 4,821 |
| Net loans and leases to deposits | 66.4806% | 5,612 |
| Net loans and leases to core deposits | 68.8548% | 5,858 |
| Total domestic deposits to total assets | 90.9695% | 461 |
| Equity capital to assets | 8.4787% | 6,302 |
| Core capital (leverage) ratio | 8.3536% | 5,780 |
| Tier 1 risk-based capital ratio | 12.0611% | 5,406 |
| Total risk-based capital ratio | 13.3228% | 5,363 |
| Memoranda: | ||
| Average total assets | $98,992,250 | 5,079 |
| Average earning assets | $89,823,000 | 5,077 |
| Average equity | $8,924,500 | 5,514 |
| Average total loans | $63,736,250 | 4,992 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3170% | 498 |
| Cost of funding earning assets | 1.9217% | 1,150 |
| Net interest margin | 4.3953% | 1,461 |
| Noninterest income to average assets | -0.0161% | 7,560 |
| Noninterest expense to average assets | 2.2710% | 6,436 |
| Loan and lease loss provision to assets | 1.0963% | 1,308 |
| Net operating income to assets | 0.6324% | 3,724 |
| Return on assets (ROA) | 0.7121% | 3,506 |
| Pretax return on assets | 0.7181% | 4,170 |
| Return on Equity (ROE) | 7.7473% | 2,989 |
| Retained earnings to average equity (ytd only) | 7.7473% | 1,530 |
| Net charge-offs to loans | 0.8150% | 2,210 |
| Credit loss provision to net charge-offs | 206.4394% | 1,883 |
| Earnings coverage of net charge-offs (x) | 3.2652% | 3,394 |
| Efficiency ratio | 56.7052% | 6,547 |
| Assets per employee ($millions) | 8.1347% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1251% | 750 |
| Loan loss allowance to noncurrent loans | 66.0080% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 8.4617% | 556 |
| Noncurrent loans to loans | 4.7345% | 1,498 |
| Net loans and leases to total assets | 62.5901% | 4,561 |
| Net loans and leases to deposits | 69.5220% | 5,346 |
| Net loans and leases to core deposits | 72.0419% | 5,663 |
| Total domestic deposits to total assets | 90.0293% | 909 |
| Equity capital to assets | 9.5773% | 4,587 |
| Core capital (leverage) ratio | 9.4165% | 3,936 |
| Tier 1 risk-based capital ratio | 13.8225% | 3,856 |
| Total risk-based capital ratio | 15.0922% | 3,807 |
| Memoranda: | ||
| Average total assets | $99,429,670 | 5,096 |
| Average earning assets | $90,960,670 | 5,063 |
| Average equity | $9,138,670 | 5,462 |
| Average total loans | $64,784,000 | 4,988 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3911% | 443 |
| Cost of funding earning assets | 1.9940% | 1,108 |
| Net interest margin | 4.3972% | 1,400 |
| Noninterest income to average assets | 0.1196% | 7,095 |
| Noninterest expense to average assets | 2.2126% | 6,661 |
| Loan and lease loss provision to assets | 0.8770% | 1,451 |
| Net operating income to assets | 1.0485% | 2,009 |
| Return on assets (ROA) | 1.0485% | 2,069 |
| Pretax return on assets | 1.0564% | 2,885 |
| Return on Equity (ROE) | 11.6455% | 1,599 |
| Retained earnings to average equity (ytd only) | 11.6455% | 806 |
| Net charge-offs to loans | -0.0061% | 6,829 |
| Credit loss provision to net charge-offs | -22,000.0000% | 6,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3654% | 7,033 |
| Assets per employee ($millions) | 9.2615% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9022% | 900 |
| Loan loss allowance to noncurrent loans | 75.5934% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 6.3645% | 907 |
| Noncurrent loans to loans | 3.8392% | 2,065 |
| Net loans and leases to total assets | 62.7580% | 4,598 |
| Net loans and leases to deposits | 69.2383% | 5,442 |
| Net loans and leases to core deposits | 71.8689% | 5,730 |
| Total domestic deposits to total assets | 90.6407% | 679 |
| Equity capital to assets | 9.0050% | 5,275 |
| Core capital (leverage) ratio | 9.3248% | 4,006 |
| Tier 1 risk-based capital ratio | 13.2777% | 4,145 |
| Total risk-based capital ratio | 14.5434% | 4,075 |
| Memoranda: | ||
| Average total assets | $100,336,500 | 5,138 |
| Average earning assets | $91,877,500 | 5,105 |
| Average equity | $9,033,500 | 5,538 |
| Average total loans | $65,641,500 | 5,013 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1845% | 1,275 |
| Cost of funding earning assets | 2.9245% | 283 |
| Net interest margin | 3.2600% | 5,889 |
| Noninterest income to average assets | -0.8609% | 7,978 |
| Noninterest expense to average assets | 2.1006% | 7,187 |
| Loan and lease loss provision to assets | 2.8722% | 633 |
| Net operating income to assets | -2.7671% | 7,344 |
| Return on assets (ROA) | -2.7671% | 7,356 |
| Pretax return on assets | -2.7879% | 7,233 |
| Return on Equity (ROE) | -26.5134% | 7,328 |
| Retained earnings to average equity (ytd only) | -31.6450% | 7,415 |
| Net charge-offs to loans | 3.2917% | 614 |
| Credit loss provision to net charge-offs | 131.2783% | 3,860 |
| Earnings coverage of net charge-offs (x) | 0.0385% | 6,145 |
| Efficiency ratio | 96.1416% | 1,308 |
| Assets per employee ($millions) | 8.9815% | 354 |
| Cash dividends to net income (ytd only)* | -19.3548% | 7,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5827% | 1,137 |
| Loan loss allowance to noncurrent loans | 71.9149% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 6.3828% | 868 |
| Noncurrent loans to loans | 3.5913% | 2,108 |
| Net loans and leases to total assets | 64.5229% | 4,492 |
| Net loans and leases to deposits | 71.2103% | 5,442 |
| Net loans and leases to core deposits | 114.4226% | 2,467 |
| Total domestic deposits to total assets | 90.6089% | 694 |
| Equity capital to assets | 9.0014% | 5,147 |
| Core capital (leverage) ratio | 8.7302% | 4,873 |
| Tier 1 risk-based capital ratio | 12.8716% | 4,231 |
| Total risk-based capital ratio | 14.1358% | 4,173 |
| Memoranda: | ||
| Average total assets | $100,828,800 | 5,074 |
| Average earning assets | $94,203,400 | 5,006 |
| Average equity | $10,523,000 | 5,155 |
| Average total loans | $67,017,400 | 4,980 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1280% | 1,557 |
| Cost of funding earning assets | 3.0296% | 303 |
| Net interest margin | 3.0984% | 6,316 |
| Noninterest income to average assets | 0.1881% | 6,872 |
| Noninterest expense to average assets | 3.3064% | 2,895 |
| Loan and lease loss provision to assets | 3.4485% | 387 |
| Net operating income to assets | -3.6406% | 7,705 |
| Return on assets (ROA) | -3.6406% | 7,706 |
| Pretax return on assets | -3.6616% | 7,633 |
| Return on Equity (ROE) | -33.7518% | 7,679 |
| Retained earnings to average equity (ytd only) | -39.5946% | 7,742 |
| Net charge-offs to loans | 0.3362% | 3,956 |
| Credit loss provision to net charge-offs | 1,541.7647% | 252 |
| Earnings coverage of net charge-offs (x) | -0.9529% | 6,618 |
| Efficiency ratio | 106.8907% | 839 |
| Assets per employee ($millions) | 9.0016% | 369 |
| Cash dividends to net income (ytd only)* | -17.3112% | 7,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0675% | 132 |
| Loan loss allowance to noncurrent loans | 85.8031% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 7.3976% | 616 |
| Noncurrent loans to loans | 5.9060% | 1,013 |
| Net loans and leases to total assets | 65.2901% | 4,578 |
| Net loans and leases to deposits | 72.3119% | 5,600 |
| Net loans and leases to core deposits | 114.5710% | 2,772 |
| Total domestic deposits to total assets | 90.2896% | 670 |
| Equity capital to assets | 9.2155% | 5,141 |
| Core capital (leverage) ratio | 8.7512% | 5,047 |
| Tier 1 risk-based capital ratio | 13.1318% | 4,101 |
| Total risk-based capital ratio | 14.4270% | 4,005 |
| Memoranda: | ||
| Average total assets | $101,337,000 | 5,087 |
| Average earning assets | $95,015,750 | 5,008 |
| Average equity | $10,930,500 | 5,085 |
| Average total loans | $67,412,750 | 5,007 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0977% | 1,801 |
| Cost of funding earning assets | 3.0540% | 405 |
| Net interest margin | 3.0437% | 6,420 |
| Noninterest income to average assets | 0.1626% | 7,111 |
| Noninterest expense to average assets | 2.1643% | 7,137 |
| Loan and lease loss provision to assets | 4.9378% | 214 |
| Net operating income to assets | -4.0270% | 7,834 |
| Return on assets (ROA) | -4.0270% | 7,829 |
| Pretax return on assets | -4.0603% | 7,759 |
| Return on Equity (ROE) | -35.6563% | 7,796 |
| Retained earnings to average equity (ytd only) | -42.6974% | 7,853 |
| Net charge-offs to loans | 0.5091% | 2,801 |
| Credit loss provision to net charge-offs | 1,474.2690% | 350 |
| Earnings coverage of net charge-offs (x) | 2.6199% | 3,766 |
| Efficiency ratio | 71.1526% | 4,570 |
| Assets per employee ($millions) | 9.1940% | 329 |
| Cash dividends to net income (ytd only)* | -19.7471% | 7,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9765% | 129 |
| Loan loss allowance to noncurrent loans | 409.0354% | 774 |
| Noncurrent assets plus other real estate owned to assets | 5.3513% | 950 |
| Noncurrent loans to loans | 1.2166% | 4,777 |
| Net loans and leases to total assets | 63.2488% | 5,135 |
| Net loans and leases to deposits | 70.5085% | 5,929 |
| Net loans and leases to core deposits | 99.3585% | 4,571 |
| Total domestic deposits to total assets | 89.7038% | 959 |
| Equity capital to assets | 9.7979% | 4,218 |
| Core capital (leverage) ratio | 9.9329% | 3,368 |
| Tier 1 risk-based capital ratio | 14.0931% | 3,462 |
| Total risk-based capital ratio | 15.3859% | 3,377 |
| Memoranda: | ||
| Average total assets | $102,110,000 | 5,096 |
| Average earning assets | $96,594,000 | 4,988 |
| Average equity | $11,532,330 | 4,942 |
| Average total loans | $67,183,670 | 5,066 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2410% | 1,472 |
| Cost of funding earning assets | 3.0693% | 501 |
| Net interest margin | 3.1717% | 5,949 |
| Noninterest income to average assets | 0.1637% | 7,133 |
| Noninterest expense to average assets | 2.1014% | 7,112 |
| Loan and lease loss provision to assets | 0.0624% | 6,172 |
| Net operating income to assets | 1.0916% | 1,991 |
| Return on assets (ROA) | 1.0916% | 2,119 |
| Pretax return on assets | 1.0176% | 3,279 |
| Return on Equity (ROE) | 9.0732% | 2,681 |
| Retained earnings to average equity (ytd only) | -1.7822% | 6,056 |
| Net charge-offs to loans | 0.0417% | 4,898 |
| Credit loss provision to net charge-offs | 228.5714% | 2,000 |
| Earnings coverage of net charge-offs (x) | 39.5714% | 860 |
| Efficiency ratio | 66.0539% | 5,318 |
| Assets per employee ($millions) | 9.2477% | 333 |
| Cash dividends to net income (ytd only)* | 119.6429% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 3,165 |
| Loan loss allowance to noncurrent loans | 49.0759% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 4.7609% | 973 |
| Noncurrent loans to loans | 2.9857% | 2,189 |
| Net loans and leases to total assets | 66.7024% | 4,411 |
| Net loans and leases to deposits | 76.3371% | 5,171 |
| Net loans and leases to core deposits | 107.6775% | 3,723 |
| Total domestic deposits to total assets | 87.3787% | 2,025 |
| Equity capital to assets | 12.1072% | 2,194 |
| Core capital (leverage) ratio | 12.4138% | 1,717 |
| Tier 1 risk-based capital ratio | 17.0667% | 2,317 |
| Total risk-based capital ratio | 18.3180% | 2,257 |
| Memoranda: | ||
| Average total assets | $102,598,000 | 5,109 |
| Average earning assets | $97,613,000 | 4,982 |
| Average equity | $12,344,000 | 4,738 |
| Average total loans | $67,117,500 | 5,089 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4699% | 3,117 |
| Cost of funding earning assets | 3.5032% | 513 |
| Net interest margin | 2.9667% | 6,996 |
| Noninterest income to average assets | 0.1764% | 7,172 |
| Noninterest expense to average assets | 1.8023% | 7,750 |
| Loan and lease loss provision to assets | 0.3983% | 3,300 |
| Net operating income to assets | 0.8346% | 3,286 |
| Return on assets (ROA) | 0.8346% | 3,129 |
| Pretax return on assets | 0.8487% | 3,893 |
| Return on Equity (ROE) | 6.6290% | 3,697 |
| Retained earnings to average equity (ytd only) | -2.4504% | 5,986 |
| Net charge-offs to loans | 0.3128% | 3,301 |
| Credit loss provision to net charge-offs | 185.8586% | 2,662 |
| Earnings coverage of net charge-offs (x) | 5.8182% | 3,524 |
| Efficiency ratio | 59.1054% | 6,515 |
| Assets per employee ($millions) | 9.4065% | 308 |
| Cash dividends to net income (ytd only)* | 136.9650% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 2,542 |
| Loan loss allowance to noncurrent loans | 63.2911% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 4.2205% | 941 |
| Noncurrent loans to loans | 2.4169% | 2,268 |
| Net loans and leases to total assets | 62.2136% | 5,591 |
| Net loans and leases to deposits | 71.1100% | 6,153 |
| Net loans and leases to core deposits | 98.6061% | 4,976 |
| Total domestic deposits to total assets | 87.4892% | 1,711 |
| Equity capital to assets | 11.9570% | 2,311 |
| Core capital (leverage) ratio | 12.8016% | 1,620 |
| Tier 1 risk-based capital ratio | 17.3550% | 2,217 |
| Total risk-based capital ratio | 18.6062% | 2,172 |
| Memoranda: | ||
| Average total assets | $92,381,800 | 5,278 |
| Average earning assets | $89,460,800 | 5,102 |
| Average equity | $11,630,800 | 4,933 |
| Average total loans | $63,304,000 | 5,132 |