Home > Old Harbor Bank > Performance and Condition Ratios
Old Harbor 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 | 4.2453% | 6,097 |
| Cost of funding earning assets | 1.2465% | 2,017 |
| Net interest margin | 2.9989% | 6,582 |
| Noninterest income to average assets | 0.1449% | 6,528 |
| Noninterest expense to average assets | 4.1240% | 866 |
| Loan and lease loss provision to assets | 4.9397% | 32 |
| Net operating income to assets | -6.0808% | 7,399 |
| Return on assets (ROA) | -6.0808% | 7,401 |
| Pretax return on assets | -6.0808% | 7,401 |
| Return on Equity (ROE) | -9,677.6204% | 7,437 |
| Retained earnings to average equity (ytd only) | -9,677.6204% | 7,437 |
| Net charge-offs to loans | 7.0594% | 33 |
| Credit loss provision to net charge-offs | 93.3873% | 3,647 |
| Earnings coverage of net charge-offs (x) | -0.2157% | 5,725 |
| Efficiency ratio | 138.2534% | 190 |
| Assets per employee ($millions) | 4.9773% | 2,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4133% | 606 |
| Loan loss allowance to noncurrent loans | 20.6204% | 6,658 |
| Noncurrent assets plus other real estate owned to assets | 13.9126% | 160 |
| Noncurrent loans to loans | 16.5532% | 103 |
| Net loans and leases to total assets | 67.3013% | 2,611 |
| Net loans and leases to deposits | 66.3066% | 4,856 |
| Net loans and leases to core deposits | 67.4762% | 5,242 |
| Total domestic deposits to total assets | 101.5001% | 1 |
| Equity capital to assets | -1.6943% | 7,435 |
| Core capital (leverage) ratio | -1.8356% | 7,435 |
| Tier 1 risk-based capital ratio | -2.6504% | 7,435 |
| Total risk-based capital ratio | -2.6504% | 7,435 |
| Memoranda: | ||
| Average total assets | $218,037,000 | 2,864 |
| Average earning assets | $206,338,250 | 2,776 |
| Average equity | $137,000 | 7,435 |
| Average total loans | $163,371,500 | 2,461 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2856% | 6,061 |
| Cost of funding earning assets | 1.2458% | 2,282 |
| Net interest margin | 3.0398% | 6,525 |
| Noninterest income to average assets | 0.1547% | 6,545 |
| Noninterest expense to average assets | 3.7153% | 1,500 |
| Loan and lease loss provision to assets | 6.6895% | 18 |
| Net operating income to assets | -7.3600% | 7,484 |
| Return on assets (ROA) | -7.3600% | 7,485 |
| Pretax return on assets | -7.3600% | 7,482 |
| Return on Equity (ROE) | -1,193.2548% | 7,513 |
| Retained earnings to average equity (ytd only) | -1,193.2548% | 7,513 |
| Net charge-offs to loans | 5.0793% | 120 |
| Credit loss provision to net charge-offs | 171.9702% | 1,759 |
| Earnings coverage of net charge-offs (x) | -0.1724% | 5,390 |
| Efficiency ratio | 122.0208% | 322 |
| Assets per employee ($millions) | 4.4987% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3182% | 156 |
| Loan loss allowance to noncurrent loans | 27.6912% | 6,398 |
| Noncurrent assets plus other real estate owned to assets | 15.0432% | 147 |
| Noncurrent loans to loans | 19.2054% | 73 |
| Net loans and leases to total assets | 71.2172% | 1,955 |
| Net loans and leases to deposits | 70.6171% | 4,351 |
| Net loans and leases to core deposits | 71.6849% | 4,853 |
| Total domestic deposits to total assets | 100.8498% | 1 |
| Equity capital to assets | -1.0341% | 7,512 |
| Core capital (leverage) ratio | -0.9578% | 7,512 |
| Tier 1 risk-based capital ratio | -1.3368% | 7,512 |
| Total risk-based capital ratio | -1.3368% | 7,512 |
| Memoranda: | ||
| Average total assets | $221,033,330 | 2,849 |
| Average earning assets | $210,147,670 | 2,757 |
| Average equity | $1,363,330 | 7,450 |
| Average total loans | $169,274,000 | 2,421 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4501% | 5,510 |
| Cost of funding earning assets | 1.2516% | 2,495 |
| Net interest margin | 3.1985% | 6,070 |
| Noninterest income to average assets | 0.1360% | 6,732 |
| Noninterest expense to average assets | 3.7266% | 1,485 |
| Loan and lease loss provision to assets | 7.7252% | 28 |
| Net operating income to assets | -8.2708% | 7,541 |
| Return on assets (ROA) | -8.2708% | 7,541 |
| Pretax return on assets | -8.2708% | 7,537 |
| Return on Equity (ROE) | -584.9122% | 7,564 |
| Retained earnings to average equity (ytd only) | -584.9122% | 7,564 |
| Net charge-offs to loans | 6.2282% | 105 |
| Credit loss provision to net charge-offs | 160.5801% | 1,797 |
| Earnings coverage of net charge-offs (x) | -0.1134% | 4,647 |
| Efficiency ratio | 117.1541% | 380 |
| Assets per employee ($millions) | 4.6908% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2639% | 355 |
| Loan loss allowance to noncurrent loans | 24.6148% | 6,564 |
| Noncurrent assets plus other real estate owned to assets | 13.3888% | 197 |
| Noncurrent loans to loans | 17.3225% | 103 |
| Net loans and leases to total assets | 73.0505% | 1,508 |
| Net loans and leases to deposits | 73.4536% | 3,853 |
| Net loans and leases to core deposits | 74.9049% | 4,440 |
| Total domestic deposits to total assets | 99.4512% | 2 |
| Equity capital to assets | 0.3774% | 7,563 |
| Core capital (leverage) ratio | 0.6304% | 7,563 |
| Tier 1 risk-based capital ratio | 0.8625% | 7,563 |
| Total risk-based capital ratio | 1.7250% | 7,563 |
| Memoranda: | ||
| Average total assets | $223,581,000 | 2,844 |
| Average earning assets | $212,850,500 | 2,745 |
| Average equity | $3,161,500 | 7,123 |
| Average total loans | $172,699,500 | 2,397 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9223% | 4,911 |
| Cost of funding earning assets | 1.5594% | 2,305 |
| Net interest margin | 3.3629% | 5,752 |
| Noninterest income to average assets | 0.1498% | 6,639 |
| Noninterest expense to average assets | 2.9469% | 4,044 |
| Loan and lease loss provision to assets | 3.6461% | 197 |
| Net operating income to assets | -3.2482% | 7,341 |
| Return on assets (ROA) | -2.9092% | 7,295 |
| Pretax return on assets | -2.9092% | 7,271 |
| Return on Equity (ROE) | -78.1858% | 7,546 |
| Retained earnings to average equity (ytd only) | -78.1858% | 7,544 |
| Net charge-offs to loans | 3.9523% | 326 |
| Credit loss provision to net charge-offs | 120.0557% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.1310% | 5,991 |
| Efficiency ratio | 88.1043% | 1,475 |
| Assets per employee ($millions) | 4.9281% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1291% | 781 |
| Loan loss allowance to noncurrent loans | 27.1459% | 6,474 |
| Noncurrent assets plus other real estate owned to assets | 9.1754% | 486 |
| Noncurrent loans to loans | 11.5272% | 321 |
| Net loans and leases to total assets | 75.7095% | 1,333 |
| Net loans and leases to deposits | 77.7355% | 3,550 |
| Net loans and leases to core deposits | 79.1628% | 4,324 |
| Total domestic deposits to total assets | 97.3938% | 11 |
| Equity capital to assets | 2.4222% | 7,593 |
| Core capital (leverage) ratio | 2.6137% | 7,580 |
| Tier 1 risk-based capital ratio | 3.4672% | 7,587 |
| Total risk-based capital ratio | 4.7414% | 7,588 |
| Memoranda: | ||
| Average total assets | $236,252,000 | 2,682 |
| Average earning assets | $224,449,000 | 2,575 |
| Average equity | $8,790,600 | 5,477 |
| Average total loans | $181,541,400 | 2,337 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0244% | 4,701 |
| Cost of funding earning assets | 1.6361% | 2,175 |
| Net interest margin | 3.3882% | 5,723 |
| Noninterest income to average assets | 0.1374% | 6,868 |
| Noninterest expense to average assets | 2.7980% | 4,499 |
| Loan and lease loss provision to assets | 4.0059% | 161 |
| Net operating income to assets | -3.4500% | 7,515 |
| Return on assets (ROA) | -3.0025% | 7,459 |
| Pretax return on assets | -3.0025% | 7,414 |
| Return on Equity (ROE) | -74.5167% | 7,647 |
| Retained earnings to average equity (ytd only) | -74.5167% | 7,646 |
| Net charge-offs to loans | 4.2386% | 270 |
| Credit loss provision to net charge-offs | 123.4929% | 3,319 |
| Earnings coverage of net charge-offs (x) | 0.1714% | 5,851 |
| Efficiency ratio | 83.4250% | 1,900 |
| Assets per employee ($millions) | 4.7010% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0407% | 794 |
| Loan loss allowance to noncurrent loans | 56.6149% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 4.4888% | 1,509 |
| Noncurrent loans to loans | 5.3708% | 1,258 |
| Net loans and leases to total assets | 77.2850% | 1,166 |
| Net loans and leases to deposits | 80.0312% | 3,444 |
| Net loans and leases to core deposits | 81.1926% | 4,357 |
| Total domestic deposits to total assets | 96.5685% | 18 |
| Equity capital to assets | 3.2303% | 7,683 |
| Core capital (leverage) ratio | 3.2336% | 7,661 |
| Tier 1 risk-based capital ratio | 4.2447% | 7,681 |
| Total risk-based capital ratio | 5.5172% | 7,683 |
| Memoranda: | ||
| Average total assets | $238,641,500 | 2,685 |
| Average earning assets | $226,544,250 | 2,593 |
| Average equity | $9,615,500 | 5,314 |
| Average total loans | $182,633,500 | 2,365 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0035% | 4,924 |
| Cost of funding earning assets | 1.7234% | 1,997 |
| Net interest margin | 3.2801% | 6,080 |
| Noninterest income to average assets | 0.1062% | 7,071 |
| Noninterest expense to average assets | 2.6777% | 5,001 |
| Loan and lease loss provision to assets | 4.8104% | 122 |
| Net operating income to assets | -4.2704% | 7,648 |
| Return on assets (ROA) | -4.0861% | 7,634 |
| Pretax return on assets | -4.0861% | 7,611 |
| Return on Equity (ROE) | -95.5442% | 7,730 |
| Retained earnings to average equity (ytd only) | -95.5442% | 7,729 |
| Net charge-offs to loans | 4.7102% | 233 |
| Credit loss provision to net charge-offs | 135.1839% | 2,967 |
| Earnings coverage of net charge-offs (x) | 0.1517% | 5,570 |
| Efficiency ratio | 83.2182% | 2,014 |
| Assets per employee ($millions) | 5.1452% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1110% | 755 |
| Loan loss allowance to noncurrent loans | 84.8695% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 3.0678% | 2,318 |
| Noncurrent loans to loans | 3.6657% | 2,141 |
| Net loans and leases to total assets | 75.6754% | 1,550 |
| Net loans and leases to deposits | 78.7299% | 3,844 |
| Net loans and leases to core deposits | 80.2991% | 4,658 |
| Total domestic deposits to total assets | 96.1202% | 24 |
| Equity capital to assets | 3.6776% | 7,713 |
| Core capital (leverage) ratio | 3.3862% | 7,718 |
| Tier 1 risk-based capital ratio | 4.4429% | 7,727 |
| Total risk-based capital ratio | 5.7162% | 7,731 |
| Memoranda: | ||
| Average total assets | $242,972,670 | 2,680 |
| Average earning assets | $230,479,000 | 2,579 |
| Average equity | $10,391,000 | 5,091 |
| Average total loans | $183,557,670 | 2,382 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0873% | 4,592 |
| Cost of funding earning assets | 1.9052% | 1,425 |
| Net interest margin | 3.1821% | 6,349 |
| Noninterest income to average assets | 0.0515% | 7,458 |
| Noninterest expense to average assets | 2.6893% | 4,958 |
| Loan and lease loss provision to assets | 6.6251% | 94 |
| Net operating income to assets | -6.2487% | 7,826 |
| Return on assets (ROA) | -6.2487% | 7,828 |
| Pretax return on assets | -6.2487% | 7,811 |
| Return on Equity (ROE) | -137.1701% | 7,862 |
| Retained earnings to average equity (ytd only) | -137.1701% | 7,859 |
| Net charge-offs to loans | 6.8312% | 146 |
| Credit loss provision to net charge-offs | 130.4307% | 2,707 |
| Earnings coverage of net charge-offs (x) | 0.0741% | 4,968 |
| Efficiency ratio | 87.7230% | 1,618 |
| Assets per employee ($millions) | 5.7866% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7918% | 997 |
| Loan loss allowance to noncurrent loans | 72.3508% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 3.5533% | 1,974 |
| Noncurrent loans to loans | 3.8587% | 2,051 |
| Net loans and leases to total assets | 72.5785% | 2,304 |
| Net loans and leases to deposits | 75.6962% | 4,462 |
| Net loans and leases to core deposits | 77.2963% | 5,107 |
| Total domestic deposits to total assets | 95.8813% | 32 |
| Equity capital to assets | 3.9142% | 7,802 |
| Core capital (leverage) ratio | 3.5640% | 7,809 |
| Tier 1 risk-based capital ratio | 4.8633% | 7,807 |
| Total risk-based capital ratio | 6.1320% | 7,809 |
| Memoranda: | ||
| Average total assets | $248,691,500 | 2,667 |
| Average earning assets | $235,566,000 | 2,583 |
| Average equity | $11,329,000 | 4,893 |
| Average total loans | $184,916,000 | 2,430 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1717% | 5,777 |
| Cost of funding earning assets | 2.6287% | 715 |
| Net interest margin | 2.5430% | 7,378 |
| Noninterest income to average assets | -0.3156% | 7,899 |
| Noninterest expense to average assets | 2.7264% | 5,266 |
| Loan and lease loss provision to assets | 1.9065% | 1,166 |
| Net operating income to assets | -3.5277% | 7,511 |
| Return on assets (ROA) | -3.3537% | 7,474 |
| Pretax return on assets | -2.4062% | 7,112 |
| Return on Equity (ROE) | -45.1341% | 7,629 |
| Retained earnings to average equity (ytd only) | -45.1341% | 7,618 |
| Net charge-offs to loans | 1.8468% | 1,352 |
| Credit loss provision to net charge-offs | 139.2157% | 3,517 |
| Earnings coverage of net charge-offs (x) | -0.4919% | 6,688 |
| Efficiency ratio | 132.8152% | 446 |
| Assets per employee ($millions) | 6.0558% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1792% | 1,686 |
| Loan loss allowance to noncurrent loans | 33.2523% | 6,224 |
| Noncurrent assets plus other real estate owned to assets | 5.3664% | 1,099 |
| Noncurrent loans to loans | 6.5535% | 908 |
| Net loans and leases to total assets | 72.4479% | 2,646 |
| Net loans and leases to deposits | 76.6527% | 4,635 |
| Net loans and leases to core deposits | 98.6324% | 4,163 |
| Total domestic deposits to total assets | 94.5145% | 63 |
| Equity capital to assets | 5.1682% | 7,773 |
| Core capital (leverage) ratio | 4.8388% | 7,784 |
| Tier 1 risk-based capital ratio | 6.6814% | 7,780 |
| Total risk-based capital ratio | 7.9421% | 7,779 |
| Memoranda: | ||
| Average total assets | $256,966,400 | 2,548 |
| Average earning assets | $239,320,200 | 2,506 |
| Average equity | $19,094,200 | 3,331 |
| Average total loans | $190,550,200 | 2,399 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2265% | 5,773 |
| Cost of funding earning assets | 2.7523% | 684 |
| Net interest margin | 2.4742% | 7,488 |
| Noninterest income to average assets | -0.4648% | 8,039 |
| Noninterest expense to average assets | 2.8092% | 4,856 |
| Loan and lease loss provision to assets | 1.5640% | 1,213 |
| Net operating income to assets | -1.5936% | 7,155 |
| Return on assets (ROA) | -1.4455% | 7,080 |
| Pretax return on assets | -2.3134% | 7,288 |
| Return on Equity (ROE) | -18.0935% | 7,310 |
| Retained earnings to average equity (ytd only) | -18.0935% | 7,274 |
| Net charge-offs to loans | 2.0185% | 971 |
| Credit loss provision to net charge-offs | 104.4590% | 4,866 |
| Earnings coverage of net charge-offs (x) | -0.6550% | 6,543 |
| Efficiency ratio | 153.6371% | 298 |
| Assets per employee ($millions) | 6.4355% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5362% | 3,252 |
| Loan loss allowance to noncurrent loans | 26.4995% | 6,691 |
| Noncurrent assets plus other real estate owned to assets | 4.3464% | 1,420 |
| Noncurrent loans to loans | 5.7971% | 1,049 |
| Net loans and leases to total assets | 67.6782% | 4,028 |
| Net loans and leases to deposits | 73.0281% | 5,504 |
| Net loans and leases to core deposits | 95.5882% | 4,854 |
| Total domestic deposits to total assets | 92.6742% | 108 |
| Equity capital to assets | 6.9858% | 7,602 |
| Core capital (leverage) ratio | 5.6632% | 7,852 |
| Tier 1 risk-based capital ratio | 7.7003% | 7,836 |
| Total risk-based capital ratio | 8.9531% | 7,840 |
| Memoranda: | ||
| Average total assets | $257,622,000 | 2,551 |
| Average earning assets | $238,777,500 | 2,533 |
| Average equity | $20,581,500 | 3,159 |
| Average total loans | $191,094,750 | 2,420 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4152% | 5,063 |
| Cost of funding earning assets | 2.9129% | 591 |
| Net interest margin | 2.5023% | 7,476 |
| Noninterest income to average assets | -0.6803% | 8,142 |
| Noninterest expense to average assets | 2.5217% | 6,047 |
| Loan and lease loss provision to assets | 1.0481% | 1,622 |
| Net operating income to assets | -1.2185% | 7,121 |
| Return on assets (ROA) | -1.1216% | 7,070 |
| Pretax return on assets | -1.7948% | 7,215 |
| Return on Equity (ROE) | -13.4386% | 7,249 |
| Retained earnings to average equity (ytd only) | -13.4386% | 7,150 |
| Net charge-offs to loans | 1.3854% | 1,349 |
| Credit loss provision to net charge-offs | 99.4012% | 4,632 |
| Earnings coverage of net charge-offs (x) | -0.8518% | 6,195 |
| Efficiency ratio | 155.3233% | 346 |
| Assets per employee ($millions) | 6.1120% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4289% | 3,583 |
| Loan loss allowance to noncurrent loans | 29.4622% | 6,529 |
| Noncurrent assets plus other real estate owned to assets | 4.1760% | 1,385 |
| Noncurrent loans to loans | 4.8500% | 1,287 |
| Net loans and leases to total assets | 71.3162% | 3,399 |
| Net loans and leases to deposits | 77.6126% | 4,930 |
| Net loans and leases to core deposits | 101.0252% | 4,401 |
| Total domestic deposits to total assets | 91.8874% | 230 |
| Equity capital to assets | 7.7131% | 7,060 |
| Core capital (leverage) ratio | 6.5536% | 7,770 |
| Tier 1 risk-based capital ratio | 8.3632% | 7,866 |
| Total risk-based capital ratio | 9.6144% | 7,899 |
| Memoranda: | ||
| Average total assets | $253,399,000 | 2,599 |
| Average earning assets | $233,306,000 | 2,593 |
| Average equity | $21,148,000 | 3,075 |
| Average total loans | $192,865,670 | 2,428 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4707% | 5,061 |
| Cost of funding earning assets | 3.0561% | 514 |
| Net interest margin | 2.4146% | 7,598 |
| Noninterest income to average assets | 0.2027% | 6,843 |
| Noninterest expense to average assets | 2.4335% | 6,084 |
| Loan and lease loss provision to assets | 1.6647% | 748 |
| Net operating income to assets | -1.0485% | 7,283 |
| Return on assets (ROA) | -0.8509% | 7,187 |
| Pretax return on assets | -1.3591% | 7,322 |
| Return on Equity (ROE) | -9.8024% | 7,351 |
| Retained earnings to average equity (ytd only) | -9.8024% | 7,090 |
| Net charge-offs to loans | 2.2839% | 635 |
| Credit loss provision to net charge-offs | 93.3273% | 3,936 |
| Earnings coverage of net charge-offs (x) | -0.0018% | 4,980 |
| Efficiency ratio | 100.1324% | 1,120 |
| Assets per employee ($millions) | 5.9527% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 3,758 |
| Loan loss allowance to noncurrent loans | 22.0880% | 7,063 |
| Noncurrent assets plus other real estate owned to assets | 6.4413% | 583 |
| Noncurrent loans to loans | 6.1389% | 766 |
| Net loans and leases to total assets | 77.1384% | 2,010 |
| Net loans and leases to deposits | 84.6264% | 3,875 |
| Net loans and leases to core deposits | 110.2929% | 3,395 |
| Total domestic deposits to total assets | 91.1517% | 364 |
| Equity capital to assets | 8.5204% | 6,042 |
| Core capital (leverage) ratio | 7.4251% | 7,246 |
| Tier 1 risk-based capital ratio | 8.9298% | 7,828 |
| Total risk-based capital ratio | 10.1802% | 7,869 |
| Memoranda: | ||
| Average total assets | $248,691,500 | 2,664 |
| Average earning assets | $229,441,000 | 2,652 |
| Average equity | $21,586,500 | 3,029 |
| Average total loans | $194,225,500 | 2,431 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0946% | 5,070 |
| Cost of funding earning assets | 3.4573% | 586 |
| Net interest margin | 2.6373% | 7,597 |
| Noninterest income to average assets | 0.1230% | 7,505 |
| Noninterest expense to average assets | 2.7031% | 5,255 |
| Loan and lease loss provision to assets | 2.0369% | 585 |
| Net operating income to assets | -1.3534% | 7,411 |
| Return on assets (ROA) | -1.3534% | 7,353 |
| Pretax return on assets | -2.1590% | 7,490 |
| Return on Equity (ROE) | -14.4182% | 7,560 |
| Retained earnings to average equity (ytd only) | -14.4182% | 7,421 |
| Net charge-offs to loans | 2.3590% | 436 |
| Credit loss provision to net charge-offs | 110.0318% | 4,899 |
| Earnings coverage of net charge-offs (x) | -0.0660% | 6,295 |
| Efficiency ratio | 104.7316% | 846 |
| Assets per employee ($millions) | 5.2632% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 3,125 |
| Loan loss allowance to noncurrent loans | 27.6846% | 6,850 |
| Noncurrent assets plus other real estate owned to assets | 5.6373% | 564 |
| Noncurrent loans to loans | 5.1015% | 849 |
| Net loans and leases to total assets | 76.8966% | 2,402 |
| Net loans and leases to deposits | 89.9117% | 3,472 |
| Net loans and leases to core deposits | 118.1228% | 2,871 |
| Total domestic deposits to total assets | 85.5245% | 2,621 |
| Equity capital to assets | 8.8414% | 5,582 |
| Core capital (leverage) ratio | 7.9100% | 6,642 |
| Tier 1 risk-based capital ratio | 9.4408% | 7,374 |
| Total risk-based capital ratio | 10.6920% | 7,287 |
| Memoranda: | ||
| Average total assets | $237,468,600 | 2,676 |
| Average earning assets | $221,326,600 | 2,644 |
| Average equity | $22,291,200 | 2,937 |
| Average total loans | $186,351,600 | 2,438 |