Home > Newton County Loan & Savings, FSB > Performance and Condition Ratios
Newton County Loan & Savings, FSB, 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 | 2.6566% | 7,327 |
| Cost of funding earning assets | 0.3375% | 7,149 |
| Net interest margin | 2.3191% | 7,215 |
| Noninterest income to average assets | -1.1191% | 7,408 |
| Noninterest expense to average assets | 8.2515% | 98 |
| Loan and lease loss provision to assets | 0.0149% | 6,245 |
| Net operating income to assets | -4.6702% | 7,363 |
| Return on assets (ROA) | -4.2277% | 7,348 |
| Pretax return on assets | -6.5754% | 7,408 |
| Return on Equity (ROE) | -5.5916% | 6,702 |
| Retained earnings to average equity (ytd only) | -5.5916% | 6,624 |
| Net charge-offs to loans | 5.2061% | 89 |
| Credit loss provision to net charge-offs | 5.5556% | 5,704 |
| Earnings coverage of net charge-offs (x) | -26.9993% | 6,158 |
| Efficiency ratio | 825.3731% | 5 |
| Assets per employee ($millions) | 6.4093% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,371 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,959 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 6,196 |
| Noncurrent loans to loans | 33.9130% | 10 |
| Net loans and leases to total assets | 0.8971% | 7,394 |
| Net loans and leases to deposits | 6.4698% | 7,389 |
| Net loans and leases to core deposits | 6.4698% | 7,376 |
| Total domestic deposits to total assets | 13.8667% | 7,404 |
| Equity capital to assets | 85.5365% | 17 |
| Core capital (leverage) ratio | 85.3247% | 15 |
| Tier 1 risk-based capital ratio | 356.2293% | 17 |
| Total risk-based capital ratio | 356.2293% | 17 |
| Memoranda: | ||
| Average total assets | $26,806,500 | 7,125 |
| Average earning assets | $24,492,250 | 7,097 |
| Average equity | $20,268,000 | 3,105 |
| Average total loans | $1,383,000 | 7,388 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8113% | 7,384 |
| Cost of funding earning assets | 0.3733% | 7,188 |
| Net interest margin | 2.4381% | 7,217 |
| Noninterest income to average assets | -0.1471% | 7,312 |
| Noninterest expense to average assets | 3.8167% | 1,326 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -1.0454% | 6,954 |
| Return on assets (ROA) | -1.0737% | 6,976 |
| Pretax return on assets | -1.7502% | 7,122 |
| Return on Equity (ROE) | -1.4812% | 6,464 |
| Retained earnings to average equity (ytd only) | -1.4812% | 6,153 |
| Net charge-offs to loans | 0.3395% | 3,210 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -77.3333% | 5,862 |
| Efficiency ratio | 180.8362% | 79 |
| Assets per employee ($millions) | 7.3945% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1719% | 1,973 |
| Loan loss allowance to noncurrent loans | 22.4299% | 6,635 |
| Noncurrent assets plus other real estate owned to assets | 0.9568% | 4,946 |
| Noncurrent loans to loans | 9.6833% | 406 |
| Net loans and leases to total assets | 7.3095% | 7,453 |
| Net loans and leases to deposits | 41.9155% | 6,996 |
| Net loans and leases to core deposits | 43.5185% | 7,024 |
| Total domestic deposits to total assets | 17.4386% | 7,474 |
| Equity capital to assets | 75.0964% | 34 |
| Core capital (leverage) ratio | 76.2398% | 30 |
| Tier 1 risk-based capital ratio | 336.5240% | 19 |
| Total risk-based capital ratio | 337.2603% | 19 |
| Memoranda: | ||
| Average total assets | $27,196,330 | 7,181 |
| Average earning assets | $25,183,670 | 7,145 |
| Average equity | $19,714,330 | 3,166 |
| Average total loans | $1,767,330 | 7,461 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1364% | 7,363 |
| Cost of funding earning assets | 0.3878% | 7,241 |
| Net interest margin | 2.7486% | 6,970 |
| Noninterest income to average assets | 0.1538% | 6,617 |
| Noninterest expense to average assets | 2.9994% | 3,647 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2024% | 6,564 |
| Return on assets (ROA) | -0.2615% | 6,633 |
| Pretax return on assets | -0.4307% | 6,714 |
| Return on Equity (ROE) | -0.3683% | 6,417 |
| Retained earnings to average equity (ytd only) | -0.3683% | 5,858 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.7168% | 447 |
| Assets per employee ($millions) | 9.9877% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7778% | 1,134 |
| Loan loss allowance to noncurrent loans | 18.8235% | 6,802 |
| Noncurrent assets plus other real estate owned to assets | 1.8323% | 3,522 |
| Noncurrent loans to loans | 14.7569% | 161 |
| Net loans and leases to total assets | 5.6069% | 7,518 |
| Net loans and leases to deposits | 31.1515% | 7,339 |
| Net loans and leases to core deposits | 32.2891% | 7,351 |
| Total domestic deposits to total assets | 17.9989% | 7,535 |
| Equity capital to assets | 74.0714% | 32 |
| Core capital (leverage) ratio | 75.3120% | 27 |
| Tier 1 risk-based capital ratio | 331.9705% | 17 |
| Total risk-based capital ratio | 332.6920% | 17 |
| Memoranda: | ||
| Average total assets | $26,005,500 | 7,261 |
| Average earning assets | $23,721,500 | 7,238 |
| Average equity | $18,465,500 | 3,332 |
| Average total loans | $1,546,000 | 7,522 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7499% | 7,523 |
| Cost of funding earning assets | 0.6362% | 7,044 |
| Net interest margin | 2.1137% | 7,425 |
| Noninterest income to average assets | -2.1396% | 7,650 |
| Noninterest expense to average assets | 5.5060% | 301 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -4.1631% | 7,459 |
| Return on assets (ROA) | -4.1920% | 7,471 |
| Pretax return on assets | -5.8897% | 7,581 |
| Return on Equity (ROE) | -6.7158% | 6,540 |
| Retained earnings to average equity (ytd only) | -6.7158% | 6,442 |
| Net charge-offs to loans | 5.7764% | 108 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | -13.0649% | 6,805 |
| Efficiency ratio | -1,605.0847% | 7,655 |
| Assets per employee ($millions) | 7.3493% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5191% | 593 |
| Loan loss allowance to noncurrent loans | 28.2353% | 6,399 |
| Noncurrent assets plus other real estate owned to assets | 2.1997% | 3,098 |
| Noncurrent loans to loans | 12.4633% | 261 |
| Net loans and leases to total assets | 5.9688% | 7,598 |
| Net loans and leases to deposits | 26.4842% | 7,507 |
| Net loans and leases to core deposits | 27.5371% | 7,500 |
| Total domestic deposits to total assets | 22.5372% | 7,603 |
| Equity capital to assets | 66.8405% | 39 |
| Core capital (leverage) ratio | 67.0152% | 34 |
| Tier 1 risk-based capital ratio | 277.0205% | 27 |
| Total risk-based capital ratio | 277.9855% | 27 |
| Memoranda: | ||
| Average total assets | $17,199,400 | 7,529 |
| Average earning assets | $14,618,800 | 7,536 |
| Average equity | $10,735,800 | 4,924 |
| Average total loans | $1,333,000 | 7,608 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9903% | 7,625 |
| Cost of funding earning assets | 0.6701% | 7,131 |
| Net interest margin | 2.3203% | 7,477 |
| Noninterest income to average assets | -1.0675% | 7,733 |
| Noninterest expense to average assets | 6.2715% | 201 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -4.0510% | 7,576 |
| Return on assets (ROA) | -4.0948% | 7,589 |
| Pretax return on assets | -5.4625% | 7,671 |
| Return on Equity (ROE) | -6.7244% | 6,772 |
| Retained earnings to average equity (ytd only) | -6.7244% | 6,692 |
| Net charge-offs to loans | 2.4146% | 714 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -26.9994% | 6,651 |
| Efficiency ratio | 723.0769% | 9 |
| Assets per employee ($millions) | 11.0445% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.7447% | 17 |
| Loan loss allowance to noncurrent loans | 19.0207% | 6,945 |
| Noncurrent assets plus other real estate owned to assets | 4.4728% | 1,519 |
| Noncurrent loans to loans | 56.4894% | 2 |
| Net loans and leases to total assets | 3.7983% | 7,706 |
| Net loans and leases to deposits | 17.0114% | 7,680 |
| Net loans and leases to core deposits | 17.6930% | 7,668 |
| Total domestic deposits to total assets | 22.3279% | 7,709 |
| Equity capital to assets | 68.6450% | 43 |
| Core capital (leverage) ratio | 68.5120% | 37 |
| Tier 1 risk-based capital ratio | 268.6920% | 27 |
| Total risk-based capital ratio | 269.9413% | 26 |
| Memoranda: | ||
| Average total assets | $15,987,250 | 7,649 |
| Average earning assets | $13,331,750 | 7,657 |
| Average equity | $9,735,500 | 5,273 |
| Average total loans | $1,325,250 | 7,710 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2301% | 7,670 |
| Cost of funding earning assets | 0.7766% | 6,985 |
| Net interest margin | 2.4534% | 7,443 |
| Noninterest income to average assets | -1.6770% | 7,816 |
| Noninterest expense to average assets | 8.5141% | 103 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -6.2603% | 7,751 |
| Return on assets (ROA) | -6.2494% | 7,752 |
| Pretax return on assets | -8.1844% | 7,786 |
| Return on Equity (ROE) | -11.0013% | 6,997 |
| Retained earnings to average equity (ytd only) | -11.0013% | 6,952 |
| Net charge-offs to loans | 7.0167% | 84 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -11.2157% | 6,331 |
| Efficiency ratio | 2,700.0000% | 2 |
| Assets per employee ($millions) | 4.5660% | 2,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4223% | 46 |
| Loan loss allowance to noncurrent loans | 12.3539% | 7,213 |
| Noncurrent assets plus other real estate owned to assets | 8.1326% | 600 |
| Noncurrent loans to loans | 60.0802% | 3 |
| Net loans and leases to total assets | 6.7382% | 7,765 |
| Net loans and leases to deposits | 23.5760% | 7,706 |
| Net loans and leases to core deposits | 24.7785% | 7,701 |
| Total domestic deposits to total assets | 28.5808% | 7,769 |
| Equity capital to assets | 56.7455% | 46 |
| Core capital (leverage) ratio | 54.8184% | 44 |
| Tier 1 risk-based capital ratio | 167.2323% | 41 |
| Total risk-based capital ratio | 168.4802% | 41 |
| Memoranda: | ||
| Average total assets | $13,953,330 | 7,752 |
| Average earning assets | $11,331,000 | 7,756 |
| Average equity | $7,926,330 | 5,830 |
| Average total loans | $1,453,670 | 7,778 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9502% | 7,819 |
| Cost of funding earning assets | 0.7289% | 7,273 |
| Net interest margin | 2.2214% | 7,641 |
| Noninterest income to average assets | -2.2158% | 7,924 |
| Noninterest expense to average assets | 9.1187% | 92 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -8.0347% | 7,868 |
| Return on assets (ROA) | -8.0108% | 7,869 |
| Pretax return on assets | -9.4880% | 7,889 |
| Return on Equity (ROE) | -14.0947% | 7,295 |
| Retained earnings to average equity (ytd only) | -14.0947% | 7,177 |
| Net charge-offs to loans | 12.1284% | 34 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -6.5686% | 5,544 |
| Efficiency ratio | -2,292.8571% | 7,932 |
| Assets per employee ($millions) | 4.6790% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3123% | 141 |
| Loan loss allowance to noncurrent loans | 8.6651% | 7,354 |
| Noncurrent assets plus other real estate owned to assets | 9.0404% | 493 |
| Noncurrent loans to loans | 61.3065% | 3 |
| Net loans and leases to total assets | 9.3966% | 7,862 |
| Net loans and leases to deposits | 33.3502% | 7,674 |
| Net loans and leases to core deposits | 35.0332% | 7,669 |
| Total domestic deposits to total assets | 28.1755% | 7,874 |
| Equity capital to assets | 56.1516% | 41 |
| Core capital (leverage) ratio | 54.0752% | 43 |
| Tier 1 risk-based capital ratio | 165.2598% | 38 |
| Total risk-based capital ratio | 166.5284% | 38 |
| Memoranda: | ||
| Average total assets | $14,081,000 | 7,853 |
| Average earning assets | $11,524,500 | 7,853 |
| Average equity | $8,003,000 | 5,845 |
| Average total loans | $1,682,000 | 7,878 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0811% | 7,874 |
| Cost of funding earning assets | 1.0823% | 7,026 |
| Net interest margin | 1.9988% | 7,745 |
| Noninterest income to average assets | 0.4557% | 4,756 |
| Noninterest expense to average assets | 16.2661% | 54 |
| Loan and lease loss provision to assets | 1.0171% | 2,244 |
| Net operating income to assets | -12.2056% | 7,989 |
| Return on assets (ROA) | -12.2056% | 7,989 |
| Pretax return on assets | -15.1594% | 7,997 |
| Return on Equity (ROE) | -23.5842% | 7,249 |
| Retained earnings to average equity (ytd only) | -23.5842% | 7,223 |
| Net charge-offs to loans | 25.7957% | 3 |
| Credit loss provision to net charge-offs | 20.7297% | 6,937 |
| Earnings coverage of net charge-offs (x) | -2.8823% | 7,045 |
| Efficiency ratio | 449.4253% | 37 |
| Assets per employee ($millions) | 7.0625% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3420% | 90 |
| Loan loss allowance to noncurrent loans | 9.1709% | 7,377 |
| Noncurrent assets plus other real estate owned to assets | 11.7593% | 261 |
| Noncurrent loans to loans | 69.1527% | 3 |
| Net loans and leases to total assets | 13.0690% | 7,921 |
| Net loans and leases to deposits | 47.7620% | 7,364 |
| Net loans and leases to core deposits | 58.3254% | 7,329 |
| Total domestic deposits to total assets | 27.3628% | 7,950 |
| Equity capital to assets | 57.5150% | 46 |
| Core capital (leverage) ratio | 56.0484% | 45 |
| Tier 1 risk-based capital ratio | 186.8621% | 37 |
| Total risk-based capital ratio | 188.1445% | 37 |
| Memoranda: | ||
| Average total assets | $12,289,400 | 7,944 |
| Average earning assets | $10,256,000 | 7,942 |
| Average equity | $6,360,200 | 6,478 |
| Average total loans | $2,337,600 | 7,948 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4950% | 7,932 |
| Cost of funding earning assets | 1.1426% | 7,059 |
| Net interest margin | 2.3524% | 7,602 |
| Noninterest income to average assets | 0.5635% | 3,983 |
| Noninterest expense to average assets | 20.8383% | 50 |
| Loan and lease loss provision to assets | 1.4087% | 1,367 |
| Net operating income to assets | -16.8374% | 8,082 |
| Return on assets (ROA) | -16.8374% | 8,082 |
| Pretax return on assets | -19.7113% | 8,085 |
| Return on Equity (ROE) | -33.6521% | 7,676 |
| Retained earnings to average equity (ytd only) | -33.6521% | 7,669 |
| Net charge-offs to loans | 33.0958% | 2 |
| Credit loss provision to net charge-offs | 20.7297% | 6,568 |
| Earnings coverage of net charge-offs (x) | -2.6932% | 6,788 |
| Efficiency ratio | 368.4444% | 48 |
| Assets per employee ($millions) | 4.6453% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2127% | 75 |
| Loan loss allowance to noncurrent loans | 8.5324% | 7,475 |
| Noncurrent assets plus other real estate owned to assets | 13.4687% | 166 |
| Noncurrent loans to loans | 72.8131% | 2 |
| Net loans and leases to total assets | 13.5405% | 8,002 |
| Net loans and leases to deposits | 48.1009% | 7,490 |
| Net loans and leases to core deposits | 62.4214% | 7,312 |
| Total domestic deposits to total assets | 28.1501% | 8,031 |
| Equity capital to assets | 61.3519% | 44 |
| Core capital (leverage) ratio | 61.2295% | 42 |
| Tier 1 risk-based capital ratio | 186.2900% | 39 |
| Total risk-based capital ratio | 187.5602% | 39 |
| Memoranda: | ||
| Average total assets | $11,830,500 | 8,031 |
| Average earning assets | $9,918,750 | 8,026 |
| Average equity | $5,919,250 | 6,691 |
| Average total loans | $2,429,250 | 8,027 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8330% | 7,959 |
| Cost of funding earning assets | 1.6796% | 5,367 |
| Net interest margin | 2.1534% | 7,774 |
| Noninterest income to average assets | 0.6470% | 3,365 |
| Noninterest expense to average assets | 52.7826% | 22 |
| Loan and lease loss provision to assets | 2.2464% | 715 |
| Net operating income to assets | -49.4039% | 8,195 |
| Return on assets (ROA) | -49.4039% | 8,195 |
| Pretax return on assets | -52.5849% | 8,194 |
| Return on Equity (ROE) | -109.0369% | 8,086 |
| Retained earnings to average equity (ytd only) | -109.0369% | 8,085 |
| Net charge-offs to loans | 46.9566% | 3 |
| Credit loss provision to net charge-offs | 20.7297% | 6,120 |
| Earnings coverage of net charge-offs (x) | -4.6451% | 6,451 |
| Efficiency ratio | 380.8824% | 58 |
| Assets per employee ($millions) | 4.4197% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.7296% | 15 |
| Loan loss allowance to noncurrent loans | 19.2308% | 7,175 |
| Noncurrent assets plus other real estate owned to assets | 6.0035% | 808 |
| Noncurrent loans to loans | 55.7940% | 3 |
| Net loans and leases to total assets | 7.8437% | 8,113 |
| Net loans and leases to deposits | 22.9479% | 8,060 |
| Net loans and leases to core deposits | 27.1399% | 8,048 |
| Total domestic deposits to total assets | 34.1806% | 8,115 |
| Equity capital to assets | 54.8005% | 56 |
| Core capital (leverage) ratio | 54.7527% | 56 |
| Tier 1 risk-based capital ratio | 191.7504% | 37 |
| Total risk-based capital ratio | 192.9667% | 37 |
| Memoranda: | ||
| Average total assets | $11,128,670 | 8,130 |
| Average earning assets | $9,287,670 | 8,123 |
| Average equity | $5,042,330 | 7,046 |
| Average total loans | $2,568,330 | 8,118 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6169% | 8,081 |
| Cost of funding earning assets | 1.9512% | 4,376 |
| Net interest margin | 1.6657% | 8,014 |
| Noninterest income to average assets | 0.8744% | 1,964 |
| Noninterest expense to average assets | 115.1091% | 11 |
| Loan and lease loss provision to assets | 4.9685% | 161 |
| Net operating income to assets | -113.5192% | 8,247 |
| Return on assets (ROA) | -113.5192% | 8,247 |
| Pretax return on assets | -117.8119% | 8,246 |
| Return on Equity (ROE) | -290.6500% | 8,215 |
| Retained earnings to average equity (ytd only) | -290.6500% | 8,214 |
| Net charge-offs to loans | 73.7615% | 2 |
| Credit loss provision to net charge-offs | 20.7297% | 5,065 |
| Earnings coverage of net charge-offs (x) | -4.7081% | 5,563 |
| Efficiency ratio | 422.8070% | 51 |
| Assets per employee ($millions) | 4.4940% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.7962% | 17 |
| Loan loss allowance to noncurrent loans | 18.4366% | 7,241 |
| Noncurrent assets plus other real estate owned to assets | 6.2157% | 620 |
| Noncurrent loans to loans | 53.1348% | 2 |
| Net loans and leases to total assets | 8.5373% | 8,163 |
| Net loans and leases to deposits | 24.5154% | 8,096 |
| Net loans and leases to core deposits | 28.8110% | 8,096 |
| Total domestic deposits to total assets | 34.8242% | 8,159 |
| Equity capital to assets | 52.9743% | 64 |
| Core capital (leverage) ratio | 52.9813% | 67 |
| Tier 1 risk-based capital ratio | 172.8108% | 46 |
| Total risk-based capital ratio | 174.0445% | 46 |
| Memoranda: | ||
| Average total assets | $10,063,500 | 8,193 |
| Average earning assets | $8,405,000 | 8,188 |
| Average equity | $3,930,500 | 7,483 |
| Average total loans | $3,270,000 | 8,161 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1508% | 812 |
| Cost of funding earning assets | 3.2813% | 973 |
| Net interest margin | 3.8695% | 3,708 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 6.1536% | 384 |
| Loan and lease loss provision to assets | 8.3012% | 19 |
| Net operating income to assets | -10.7379% | 8,261 |
| Return on assets (ROA) | -10.7379% | 8,260 |
| Pretax return on assets | -11.0132% | 8,254 |
| Return on Equity (ROE) | -66.5075% | 8,226 |
| Retained earnings to average equity (ytd only) | -66.5075% | 8,216 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 178.8000% | 250 |
| Assets per employee ($millions) | 2.2150% | 7,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.4552% | 9 |
| Loan loss allowance to noncurrent loans | 25.2830% | 6,996 |
| Noncurrent assets plus other real estate owned to assets | 51.0760% | 1 |
| Noncurrent loans to loans | 45.3078% | 4 |
| Net loans and leases to total assets | 70.1430% | 3,980 |
| Net loans and leases to deposits | 102.5748% | 1,522 |
| Net loans and leases to core deposits | 121.2539% | 2,584 |
| Total domestic deposits to total assets | 68.3822% | 7,431 |
| Equity capital to assets | 10.8202% | 3,190 |
| Core capital (leverage) ratio | 10.8202% | 2,732 |
| Tier 1 risk-based capital ratio | 14.8769% | 3,111 |
| Total risk-based capital ratio | 16.2632% | 2,954 |
| Memoranda: | ||
| Average total assets | $7,264,000 | 8,284 |
| Average earning assets | $6,460,800 | 8,272 |
| Average equity | $1,172,800 | 8,258 |
| Average total loans | $6,006,400 | 8,123 |