Home > Northern Trust Bank, Federal Savings Bank > Performance and Condition Ratios
Northern Trust Bank, Federal Savings 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 | 3.1900% | 7,213 |
| Cost of funding earning assets | 0.5785% | 6,384 |
| Net interest margin | 2.6115% | 7,068 |
| Noninterest income to average assets | 3.4011% | 187 |
| Noninterest expense to average assets | 4.4262% | 616 |
| Loan and lease loss provision to assets | 0.3315% | 2,890 |
| Net operating income to assets | 0.6287% | 3,972 |
| Return on assets (ROA) | 0.6287% | 4,154 |
| Pretax return on assets | 1.0212% | 3,322 |
| Return on Equity (ROE) | 5.7151% | 4,167 |
| Retained earnings to average equity (ytd only) | 5.7151% | 2,735 |
| Net charge-offs to loans | 0.2735% | 3,727 |
| Credit loss provision to net charge-offs | 136.8363% | 2,327 |
| Earnings coverage of net charge-offs (x) | 5.5833% | 2,744 |
| Efficiency ratio | 75.9518% | 2,848 |
| Assets per employee ($millions) | 6.6959% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 5,444 |
| Loan loss allowance to noncurrent loans | 144.6198% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.9869% | 4,778 |
| Noncurrent loans to loans | 0.8324% | 5,207 |
| Net loans and leases to total assets | 82.5056% | 318 |
| Net loans and leases to deposits | 103.3335% | 337 |
| Net loans and leases to core deposits | 113.1181% | 574 |
| Total domestic deposits to total assets | 79.8440% | 5,782 |
| Equity capital to assets | 10.4894% | 3,721 |
| Core capital (leverage) ratio | 9.5815% | 4,021 |
| Tier 1 risk-based capital ratio | 10.4901% | 6,779 |
| Total risk-based capital ratio | 12.2170% | 6,537 |
| Memoranda: | ||
| Average total assets | $1,502,908,000 | 445 |
| Average earning assets | $1,368,429,250 | 441 |
| Average equity | $165,335,250 | 438 |
| Average total loans | $1,331,407,000 | 330 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2122% | 7,277 |
| Cost of funding earning assets | 0.5922% | 6,503 |
| Net interest margin | 2.6200% | 7,104 |
| Noninterest income to average assets | 3.4283% | 192 |
| Noninterest expense to average assets | 4.4219% | 653 |
| Loan and lease loss provision to assets | 0.4291% | 2,280 |
| Net operating income to assets | 0.6059% | 4,039 |
| Return on assets (ROA) | 0.6059% | 4,168 |
| Pretax return on assets | 0.9858% | 3,289 |
| Return on Equity (ROE) | 5.4151% | 4,248 |
| Retained earnings to average equity (ytd only) | 5.4151% | 2,731 |
| Net charge-offs to loans | 0.3584% | 3,123 |
| Credit loss provision to net charge-offs | 132.3653% | 2,307 |
| Earnings coverage of net charge-offs (x) | 4.3649% | 2,875 |
| Efficiency ratio | 75.1093% | 3,161 |
| Assets per employee ($millions) | 6.2323% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 5,567 |
| Loan loss allowance to noncurrent loans | 99.2919% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 1.1743% | 4,538 |
| Noncurrent loans to loans | 1.2036% | 4,645 |
| Net loans and leases to total assets | 89.0949% | 56 |
| Net loans and leases to deposits | 113.5795% | 135 |
| Net loans and leases to core deposits | 127.1774% | 301 |
| Total domestic deposits to total assets | 78.4428% | 6,202 |
| Equity capital to assets | 11.2355% | 2,733 |
| Core capital (leverage) ratio | 10.2436% | 2,984 |
| Tier 1 risk-based capital ratio | 10.6780% | 6,725 |
| Total risk-based capital ratio | 12.4433% | 6,378 |
| Memoranda: | ||
| Average total assets | $1,465,973,330 | 463 |
| Average earning assets | $1,347,624,000 | 455 |
| Average equity | $164,024,000 | 443 |
| Average total loans | $1,326,001,330 | 335 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1835% | 7,345 |
| Cost of funding earning assets | 0.6033% | 6,603 |
| Net interest margin | 2.5802% | 7,136 |
| Noninterest income to average assets | 3.2992% | 194 |
| Noninterest expense to average assets | 4.3991% | 651 |
| Loan and lease loss provision to assets | 0.8613% | 949 |
| Net operating income to assets | 0.2457% | 5,628 |
| Return on assets (ROA) | 0.2457% | 5,695 |
| Pretax return on assets | 0.4158% | 5,293 |
| Return on Equity (ROE) | 2.2003% | 5,717 |
| Retained earnings to average equity (ytd only) | 2.2003% | 4,824 |
| Net charge-offs to loans | 0.8056% | 1,615 |
| Credit loss provision to net charge-offs | 118.0143% | 2,300 |
| Earnings coverage of net charge-offs (x) | 1.7499% | 3,429 |
| Efficiency ratio | 76.8279% | 3,009 |
| Assets per employee ($millions) | 5.9520% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 5,666 |
| Loan loss allowance to noncurrent loans | 104.7381% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 1.3491% | 4,275 |
| Noncurrent loans to loans | 1.1408% | 4,796 |
| Net loans and leases to total assets | 89.3672% | 55 |
| Net loans and leases to deposits | 123.0548% | 77 |
| Net loans and leases to core deposits | 138.2731% | 203 |
| Total domestic deposits to total assets | 72.6239% | 7,029 |
| Equity capital to assets | 11.2335% | 2,475 |
| Core capital (leverage) ratio | 10.2073% | 2,920 |
| Tier 1 risk-based capital ratio | 10.3796% | 6,876 |
| Total risk-based capital ratio | 12.3800% | 6,384 |
| Memoranda: | ||
| Average total assets | $1,457,314,500 | 469 |
| Average earning assets | $1,342,555,000 | 463 |
| Average equity | $162,708,500 | 438 |
| Average total loans | $1,320,241,000 | 340 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3617% | 7,425 |
| Cost of funding earning assets | 0.7505% | 6,734 |
| Net interest margin | 2.6112% | 7,194 |
| Noninterest income to average assets | 3.4019% | 204 |
| Noninterest expense to average assets | 4.4843% | 663 |
| Loan and lease loss provision to assets | 0.6083% | 2,700 |
| Net operating income to assets | 0.4357% | 4,383 |
| Return on assets (ROA) | 0.4357% | 4,536 |
| Pretax return on assets | 0.7190% | 3,906 |
| Return on Equity (ROE) | 4.0068% | 4,522 |
| Retained earnings to average equity (ytd only) | 4.0068% | 3,060 |
| Net charge-offs to loans | 0.2703% | 4,676 |
| Credit loss provision to net charge-offs | 245.0115% | 1,173 |
| Earnings coverage of net charge-offs (x) | 5.3460% | 2,651 |
| Efficiency ratio | 76.4761% | 2,971 |
| Assets per employee ($millions) | 6.2228% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 5,749 |
| Loan loss allowance to noncurrent loans | 76.0724% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.7034% | 3,743 |
| Noncurrent loans to loans | 1.5074% | 4,217 |
| Net loans and leases to total assets | 89.6987% | 63 |
| Net loans and leases to deposits | 126.7265% | 82 |
| Net loans and leases to core deposits | 142.5270% | 212 |
| Total domestic deposits to total assets | 70.7813% | 7,188 |
| Equity capital to assets | 11.0968% | 2,601 |
| Core capital (leverage) ratio | 10.0548% | 3,023 |
| Tier 1 risk-based capital ratio | 10.5029% | 6,700 |
| Total risk-based capital ratio | 12.5764% | 6,059 |
| Memoranda: | ||
| Average total assets | $1,396,812,400 | 483 |
| Average earning assets | $1,289,006,000 | 474 |
| Average equity | $151,890,400 | 449 |
| Average total loans | $1,283,224,000 | 357 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4179% | 7,555 |
| Cost of funding earning assets | 0.7813% | 6,816 |
| Net interest margin | 2.6366% | 7,287 |
| Noninterest income to average assets | 3.4111% | 192 |
| Noninterest expense to average assets | 4.5092% | 582 |
| Loan and lease loss provision to assets | 0.4064% | 3,465 |
| Net operating income to assets | 0.5658% | 4,028 |
| Return on assets (ROA) | 0.5658% | 4,190 |
| Pretax return on assets | 0.9273% | 3,459 |
| Return on Equity (ROE) | 5.2316% | 4,179 |
| Retained earnings to average equity (ytd only) | 5.2316% | 2,822 |
| Net charge-offs to loans | 0.2229% | 4,604 |
| Credit loss provision to net charge-offs | 197.8373% | 1,808 |
| Earnings coverage of net charge-offs (x) | 6.4922% | 2,511 |
| Efficiency ratio | 76.4840% | 2,860 |
| Assets per employee ($millions) | 5.9990% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 6,582 |
| Loan loss allowance to noncurrent loans | 82.8583% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 1.0722% | 4,966 |
| Noncurrent loans to loans | 1.1432% | 4,952 |
| Net loans and leases to total assets | 90.9991% | 42 |
| Net loans and leases to deposits | 118.2329% | 133 |
| Net loans and leases to core deposits | 132.9219% | 337 |
| Total domestic deposits to total assets | 76.9659% | 6,485 |
| Equity capital to assets | 10.7869% | 3,186 |
| Core capital (leverage) ratio | 9.6922% | 3,628 |
| Tier 1 risk-based capital ratio | 10.0366% | 7,047 |
| Total risk-based capital ratio | 12.2162% | 6,393 |
| Memoranda: | ||
| Average total assets | $1,380,427,250 | 483 |
| Average earning assets | $1,273,208,500 | 470 |
| Average equity | $149,294,250 | 457 |
| Average total loans | $1,272,298,000 | 356 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4176% | 7,633 |
| Cost of funding earning assets | 0.8101% | 6,873 |
| Net interest margin | 2.6075% | 7,341 |
| Noninterest income to average assets | 3.5004% | 189 |
| Noninterest expense to average assets | 4.4633% | 600 |
| Loan and lease loss provision to assets | 0.4642% | 2,996 |
| Net operating income to assets | 0.5956% | 3,897 |
| Return on assets (ROA) | 0.5956% | 4,034 |
| Pretax return on assets | 0.9759% | 3,219 |
| Return on Equity (ROE) | 5.5025% | 4,043 |
| Retained earnings to average equity (ytd only) | 5.5025% | 2,609 |
| Net charge-offs to loans | 0.3229% | 3,710 |
| Credit loss provision to net charge-offs | 155.7786% | 2,529 |
| Earnings coverage of net charge-offs (x) | 4.8330% | 2,827 |
| Efficiency ratio | 74.9190% | 3,277 |
| Assets per employee ($millions) | 6.0272% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8830% | 6,814 |
| Loan loss allowance to noncurrent loans | 78.5818% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.0732% | 4,984 |
| Noncurrent loans to loans | 1.1237% | 5,078 |
| Net loans and leases to total assets | 92.5148% | 27 |
| Net loans and leases to deposits | 122.8446% | 105 |
| Net loans and leases to core deposits | 140.8182% | 281 |
| Total domestic deposits to total assets | 75.3104% | 6,809 |
| Equity capital to assets | 10.9388% | 2,931 |
| Core capital (leverage) ratio | 9.6657% | 3,585 |
| Tier 1 risk-based capital ratio | 10.0182% | 7,014 |
| Total risk-based capital ratio | 12.1852% | 6,292 |
| Memoranda: | ||
| Average total assets | $1,370,648,330 | 485 |
| Average earning assets | $1,263,120,000 | 473 |
| Average equity | $148,369,000 | 456 |
| Average total loans | $1,264,684,000 | 359 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4404% | 7,723 |
| Cost of funding earning assets | 0.8654% | 6,888 |
| Net interest margin | 2.5750% | 7,411 |
| Noninterest income to average assets | 3.4145% | 187 |
| Noninterest expense to average assets | 4.2450% | 770 |
| Loan and lease loss provision to assets | 0.4684% | 2,627 |
| Net operating income to assets | 0.6540% | 3,642 |
| Return on assets (ROA) | 0.6540% | 3,757 |
| Pretax return on assets | 1.0637% | 2,868 |
| Return on Equity (ROE) | 6.0736% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.0736% | 2,587 |
| Net charge-offs to loans | 0.1742% | 3,880 |
| Credit loss provision to net charge-offs | 293.0530% | 1,353 |
| Earnings coverage of net charge-offs (x) | 9.5850% | 1,832 |
| Efficiency ratio | 72.7769% | 3,803 |
| Assets per employee ($millions) | 5.8788% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8840% | 6,889 |
| Loan loss allowance to noncurrent loans | 83.9907% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 1.0266% | 5,102 |
| Noncurrent loans to loans | 1.0525% | 5,237 |
| Net loans and leases to total assets | 93.2275% | 26 |
| Net loans and leases to deposits | 124.7399% | 102 |
| Net loans and leases to core deposits | 145.1825% | 278 |
| Total domestic deposits to total assets | 74.7375% | 6,943 |
| Equity capital to assets | 10.9829% | 2,781 |
| Core capital (leverage) ratio | 9.6799% | 3,543 |
| Tier 1 risk-based capital ratio | 9.9975% | 7,040 |
| Total risk-based capital ratio | 12.4963% | 5,866 |
| Memoranda: | ||
| Average total assets | $1,368,870,500 | 501 |
| Average earning assets | $1,255,900,000 | 492 |
| Average equity | $147,393,000 | 466 |
| Average total loans | $1,255,692,000 | 376 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1273% | 7,866 |
| Cost of funding earning assets | 1.2571% | 6,451 |
| Net interest margin | 1.8701% | 7,788 |
| Noninterest income to average assets | 3.1137% | 218 |
| Noninterest expense to average assets | 4.8344% | 591 |
| Loan and lease loss provision to assets | 1.4639% | 1,578 |
| Net operating income to assets | -0.9534% | 6,542 |
| Return on assets (ROA) | -0.9534% | 6,546 |
| Pretax return on assets | -1.4488% | 6,669 |
| Return on Equity (ROE) | -10.0999% | 6,632 |
| Retained earnings to average equity (ytd only) | -10.0999% | 6,529 |
| Net charge-offs to loans | 1.4433% | 1,739 |
| Credit loss provision to net charge-offs | 128.0698% | 4,036 |
| Earnings coverage of net charge-offs (x) | 0.0132% | 6,178 |
| Efficiency ratio | 98.9062% | 1,156 |
| Assets per employee ($millions) | 6.0773% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8218% | 7,066 |
| Loan loss allowance to noncurrent loans | 147.8091% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 6,111 |
| Noncurrent loans to loans | 0.5560% | 6,133 |
| Net loans and leases to total assets | 88.7260% | 141 |
| Net loans and leases to deposits | 111.2132% | 341 |
| Net loans and leases to core deposits | 144.2947% | 660 |
| Total domestic deposits to total assets | 79.7801% | 5,739 |
| Equity capital to assets | 10.5573% | 3,122 |
| Core capital (leverage) ratio | 9.2709% | 4,022 |
| Tier 1 risk-based capital ratio | 9.8135% | 7,011 |
| Total risk-based capital ratio | 12.3077% | 5,829 |
| Memoranda: | ||
| Average total assets | $1,464,868,400 | 464 |
| Average earning assets | $1,359,594,600 | 454 |
| Average equity | $138,278,800 | 486 |
| Average total loans | $1,160,141,600 | 416 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0265% | 7,981 |
| Cost of funding earning assets | 1.3182% | 6,499 |
| Net interest margin | 1.7082% | 7,912 |
| Noninterest income to average assets | 2.9679% | 227 |
| Noninterest expense to average assets | 4.7642% | 581 |
| Loan and lease loss provision to assets | 1.5878% | 1,191 |
| Net operating income to assets | -1.1716% | 6,944 |
| Return on assets (ROA) | -1.1716% | 6,951 |
| Pretax return on assets | -1.7866% | 7,081 |
| Return on Equity (ROE) | -12.7638% | 7,059 |
| Retained earnings to average equity (ytd only) | -12.7638% | 6,994 |
| Net charge-offs to loans | 1.5813% | 1,294 |
| Credit loss provision to net charge-offs | 130.7379% | 3,826 |
| Earnings coverage of net charge-offs (x) | -0.1637% | 6,253 |
| Efficiency ratio | 103.5348% | 934 |
| Assets per employee ($millions) | 7.1352% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7970% | 7,131 |
| Loan loss allowance to noncurrent loans | 252.9906% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 6,825 |
| Noncurrent loans to loans | 0.3150% | 6,725 |
| Net loans and leases to total assets | 75.1039% | 2,222 |
| Net loans and leases to deposits | 92.1394% | 2,210 |
| Net loans and leases to core deposits | 123.8381% | 1,913 |
| Total domestic deposits to total assets | 81.5111% | 4,874 |
| Equity capital to assets | 9.2115% | 5,149 |
| Core capital (leverage) ratio | 8.0724% | 6,232 |
| Tier 1 risk-based capital ratio | 9.6048% | 7,301 |
| Total risk-based capital ratio | 11.9900% | 6,178 |
| Memoranda: | ||
| Average total assets | $1,484,680,000 | 472 |
| Average earning assets | $1,388,375,250 | 463 |
| Average equity | $136,277,500 | 500 |
| Average total loans | $1,140,278,500 | 445 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0732% | 8,071 |
| Cost of funding earning assets | 1.4537% | 6,314 |
| Net interest margin | 1.6196% | 7,982 |
| Noninterest income to average assets | 3.0106% | 214 |
| Noninterest expense to average assets | 4.9267% | 540 |
| Loan and lease loss provision to assets | 1.8793% | 873 |
| Net operating income to assets | -1.4967% | 7,243 |
| Return on assets (ROA) | -1.4967% | 7,245 |
| Pretax return on assets | -2.2882% | 7,371 |
| Return on Equity (ROE) | -16.3269% | 7,395 |
| Retained earnings to average equity (ytd only) | -16.3269% | 7,319 |
| Net charge-offs to loans | 1.8316% | 1,033 |
| Credit loss provision to net charge-offs | 132.8935% | 3,512 |
| Earnings coverage of net charge-offs (x) | -0.2891% | 5,943 |
| Efficiency ratio | 108.2002% | 903 |
| Assets per employee ($millions) | 7.1233% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7543% | 7,291 |
| Loan loss allowance to noncurrent loans | 200.0452% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 6,683 |
| Noncurrent loans to loans | 0.3770% | 6,571 |
| Net loans and leases to total assets | 73.6539% | 2,798 |
| Net loans and leases to deposits | 90.5228% | 2,743 |
| Net loans and leases to core deposits | 120.3848% | 2,336 |
| Total domestic deposits to total assets | 81.3650% | 4,938 |
| Equity capital to assets | 9.1355% | 5,114 |
| Core capital (leverage) ratio | 7.9751% | 6,374 |
| Tier 1 risk-based capital ratio | 9.5139% | 7,376 |
| Total risk-based capital ratio | 11.8710% | 6,200 |
| Memoranda: | ||
| Average total assets | $1,446,812,000 | 499 |
| Average earning assets | $1,346,393,670 | 485 |
| Average equity | $132,628,000 | 523 |
| Average total loans | $1,117,032,330 | 468 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1806% | 8,125 |
| Cost of funding earning assets | 1.5687% | 6,164 |
| Net interest margin | 1.6120% | 8,030 |
| Noninterest income to average assets | 3.0062% | 213 |
| Noninterest expense to average assets | 5.0011% | 489 |
| Loan and lease loss provision to assets | 0.4793% | 2,559 |
| Net operating income to assets | -0.6524% | 7,011 |
| Return on assets (ROA) | -0.6524% | 7,049 |
| Pretax return on assets | -0.9844% | 7,150 |
| Return on Equity (ROE) | -7.1029% | 7,155 |
| Retained earnings to average equity (ytd only) | -7.1029% | 6,804 |
| Net charge-offs to loans | 0.0287% | 5,125 |
| Credit loss provision to net charge-offs | 2,119.2308% | 303 |
| Earnings coverage of net charge-offs (x) | -22.3333% | 5,670 |
| Efficiency ratio | 110.3379% | 802 |
| Assets per employee ($millions) | 6.5249% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6211% | 7,624 |
| Loan loss allowance to noncurrent loans | 168.6083% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.3640% | 6,417 |
| Noncurrent loans to loans | 0.3683% | 6,502 |
| Net loans and leases to total assets | 76.6428% | 2,131 |
| Net loans and leases to deposits | 96.0394% | 1,937 |
| Net loans and leases to core deposits | 118.6038% | 2,541 |
| Total domestic deposits to total assets | 79.8034% | 5,427 |
| Equity capital to assets | 9.1936% | 5,094 |
| Core capital (leverage) ratio | 7.9396% | 6,559 |
| Tier 1 risk-based capital ratio | 9.0707% | 7,749 |
| Total risk-based capital ratio | 11.5891% | 6,477 |
| Memoranda: | ||
| Average total assets | $1,379,529,500 | 517 |
| Average earning assets | $1,274,971,500 | 509 |
| Average equity | $126,708,500 | 540 |
| Average total loans | $1,088,749,500 | 484 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6200% | 8,002 |
| Cost of funding earning assets | 2.4888% | 4,263 |
| Net interest margin | 2.1312% | 8,001 |
| Noninterest income to average assets | 4.1384% | 143 |
| Noninterest expense to average assets | 5.7487% | 450 |
| Loan and lease loss provision to assets | 0.2948% | 4,026 |
| Net operating income to assets | -0.0182% | 6,399 |
| Return on assets (ROA) | -0.0176% | 6,255 |
| Pretax return on assets | 0.0138% | 6,128 |
| Return on Equity (ROE) | -0.1884% | 6,259 |
| Retained earnings to average equity (ytd only) | -0.1884% | 5,336 |
| Net charge-offs to loans | 0.1805% | 4,384 |
| Credit loss provision to net charge-offs | 192.6930% | 2,545 |
| Earnings coverage of net charge-offs (x) | 2.0112% | 5,068 |
| Efficiency ratio | 94.3153% | 1,259 |
| Assets per employee ($millions) | 5.6335% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5275% | 7,805 |
| Loan loss allowance to noncurrent loans | 3,227.6471% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 7,107 |
| Noncurrent loans to loans | 0.0163% | 7,469 |
| Net loans and leases to total assets | 80.5612% | 1,534 |
| Net loans and leases to deposits | 104.9370% | 1,243 |
| Net loans and leases to core deposits | 129.1389% | 1,917 |
| Total domestic deposits to total assets | 76.7711% | 6,045 |
| Equity capital to assets | 9.1750% | 5,118 |
| Core capital (leverage) ratio | 7.7107% | 6,910 |
| Tier 1 risk-based capital ratio | 8.5058% | 7,989 |
| Total risk-based capital ratio | 11.1664% | 6,713 |
| Memoranda: | ||
| Average total assets | $1,109,235,200 | 600 |
| Average earning assets | $998,273,000 | 601 |
| Average equity | $103,512,400 | 651 |
| Average total loans | $940,019,200 | 522 |