Home > Patriot Bank Minnesota > Performance and Condition Ratios
Patriot Bank Minnesota, 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 | 4.9631% | 3,061 |
| Cost of funding earning assets | 1.8157% | 203 |
| Net interest margin | 3.1475% | 6,225 |
| Noninterest income to average assets | -0.9168% | 7,317 |
| Noninterest expense to average assets | 3.5588% | 1,837 |
| Loan and lease loss provision to assets | 3.3789% | 88 |
| Net operating income to assets | -5.1693% | 7,310 |
| Return on assets (ROA) | -5.0283% | 7,307 |
| Pretax return on assets | -5.0239% | 7,311 |
| Return on Equity (ROE) | -137.6514% | 7,337 |
| Retained earnings to average equity (ytd only) | -137.6514% | 7,337 |
| Net charge-offs to loans | 4.6839% | 97 |
| Credit loss provision to net charge-offs | 94.3392% | 3,823 |
| Earnings coverage of net charge-offs (x) | -0.4986% | 6,082 |
| Efficiency ratio | 200.7459% | 59 |
| Assets per employee ($millions) | 3.7510% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5262% | 130 |
| Loan loss allowance to noncurrent loans | 36.9861% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 19.0843% | 60 |
| Noncurrent loans to loans | 14.9412% | 130 |
| Net loans and leases to total assets | 68.6734% | 2,272 |
| Net loans and leases to deposits | 70.1399% | 4,075 |
| Net loans and leases to core deposits | 72.9241% | 4,387 |
| Total domestic deposits to total assets | 97.9091% | 10 |
| Equity capital to assets | 1.4834% | 7,338 |
| Core capital (leverage) ratio | 1.3004% | 7,342 |
| Tier 1 risk-based capital ratio | 1.5297% | 7,343 |
| Total risk-based capital ratio | 2.8217% | 7,343 |
| Memoranda: | ||
| Average total assets | $113,438,400 | 4,561 |
| Average earning assets | $96,934,600 | 4,715 |
| Average equity | $4,143,800 | 6,717 |
| Average total loans | $86,744,800 | 3,940 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1492% | 2,393 |
| Cost of funding earning assets | 1.8274% | 239 |
| Net interest margin | 3.3217% | 5,799 |
| Noninterest income to average assets | -1.2417% | 7,416 |
| Noninterest expense to average assets | 3.5600% | 1,792 |
| Loan and lease loss provision to assets | 4.0389% | 60 |
| Net operating income to assets | -6.0029% | 7,397 |
| Return on assets (ROA) | -5.8183% | 7,397 |
| Pretax return on assets | -5.8137% | 7,397 |
| Return on Equity (ROE) | -140.3371% | 7,407 |
| Retained earnings to average equity (ytd only) | -140.3371% | 7,407 |
| Net charge-offs to loans | 6.0349% | 58 |
| Credit loss provision to net charge-offs | 86.5480% | 3,899 |
| Earnings coverage of net charge-offs (x) | -0.4199% | 5,808 |
| Efficiency ratio | 222.4225% | 39 |
| Assets per employee ($millions) | 4.2818% | 3,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8899% | 202 |
| Loan loss allowance to noncurrent loans | 51.1728% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 14.6917% | 140 |
| Noncurrent loans to loans | 9.5557% | 382 |
| Net loans and leases to total assets | 68.2245% | 2,439 |
| Net loans and leases to deposits | 70.1029% | 4,286 |
| Net loans and leases to core deposits | 74.1323% | 4,431 |
| Total domestic deposits to total assets | 97.3205% | 14 |
| Equity capital to assets | 2.0229% | 7,403 |
| Core capital (leverage) ratio | 1.8460% | 7,409 |
| Tier 1 risk-based capital ratio | 2.1470% | 7,411 |
| Total risk-based capital ratio | 3.4313% | 7,411 |
| Memoranda: | ||
| Average total assets | $115,540,750 | 4,542 |
| Average earning assets | $98,861,750 | 4,696 |
| Average equity | $4,790,250 | 6,562 |
| Average total loans | $89,344,500 | 3,915 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2618% | 2,020 |
| Cost of funding earning assets | 1.8092% | 300 |
| Net interest margin | 3.4526% | 5,356 |
| Noninterest income to average assets | 0.2343% | 5,968 |
| Noninterest expense to average assets | 4.8125% | 431 |
| Loan and lease loss provision to assets | 5.2897% | 43 |
| Net operating income to assets | -6.8784% | 7,478 |
| Return on assets (ROA) | -6.8784% | 7,481 |
| Pretax return on assets | -6.8750% | 7,478 |
| Return on Equity (ROE) | -142.7170% | 7,467 |
| Retained earnings to average equity (ytd only) | -142.7170% | 7,467 |
| Net charge-offs to loans | 8.6805% | 27 |
| Credit loss provision to net charge-offs | 77.0361% | 3,852 |
| Earnings coverage of net charge-offs (x) | -0.2309% | 5,422 |
| Efficiency ratio | 149.1256% | 159 |
| Assets per employee ($millions) | 5.3404% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1139% | 384 |
| Loan loss allowance to noncurrent loans | 63.9877% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 13.1184% | 206 |
| Noncurrent loans to loans | 6.4293% | 873 |
| Net loans and leases to total assets | 73.3014% | 1,535 |
| Net loans and leases to deposits | 75.9830% | 3,476 |
| Net loans and leases to core deposits | 79.7567% | 3,816 |
| Total domestic deposits to total assets | 96.4707% | 25 |
| Equity capital to assets | 2.9622% | 7,433 |
| Core capital (leverage) ratio | 2.6535% | 7,438 |
| Tier 1 risk-based capital ratio | 3.0155% | 7,467 |
| Total risk-based capital ratio | 4.2930% | 7,468 |
| Memoranda: | ||
| Average total assets | $116,945,000 | 4,541 |
| Average earning assets | $101,372,330 | 4,668 |
| Average equity | $5,636,330 | 6,338 |
| Average total loans | $92,506,670 | 3,876 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0782% | 2,740 |
| Cost of funding earning assets | 1.7946% | 386 |
| Net interest margin | 3.2836% | 5,831 |
| Noninterest income to average assets | 0.2380% | 6,005 |
| Noninterest expense to average assets | 4.0957% | 924 |
| Loan and lease loss provision to assets | 1.1999% | 587 |
| Net operating income to assets | -2.1786% | 7,311 |
| Return on assets (ROA) | -2.1786% | 7,308 |
| Pretax return on assets | -2.1752% | 7,286 |
| Return on Equity (ROE) | -38.2719% | 7,370 |
| Retained earnings to average equity (ytd only) | -38.2719% | 7,350 |
| Net charge-offs to loans | -0.0209% | 6,581 |
| Credit loss provision to net charge-offs | -7,160.0000% | 6,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.2567% | 255 |
| Assets per employee ($millions) | 4.3477% | 3,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0505% | 183 |
| Loan loss allowance to noncurrent loans | 36.4877% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 16.2571% | 125 |
| Noncurrent loans to loans | 13.8416% | 187 |
| Net loans and leases to total assets | 77.0651% | 867 |
| Net loans and leases to deposits | 82.0702% | 2,354 |
| Net loans and leases to core deposits | 85.9020% | 2,886 |
| Total domestic deposits to total assets | 93.9015% | 82 |
| Equity capital to assets | 5.5133% | 7,338 |
| Core capital (leverage) ratio | 5.4133% | 7,317 |
| Tier 1 risk-based capital ratio | 5.9920% | 7,423 |
| Total risk-based capital ratio | 7.2822% | 7,426 |
| Memoranda: | ||
| Average total assets | $119,343,500 | 4,504 |
| Average earning assets | $104,761,500 | 4,619 |
| Average equity | $6,793,500 | 5,988 |
| Average total loans | $95,893,500 | 3,837 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4828% | 2,355 |
| Cost of funding earning assets | 2.3312% | 191 |
| Net interest margin | 3.1516% | 6,383 |
| Noninterest income to average assets | 0.1474% | 6,657 |
| Noninterest expense to average assets | 4.7886% | 505 |
| Loan and lease loss provision to assets | 2.4245% | 473 |
| Net operating income to assets | -5.5300% | 7,568 |
| Return on assets (ROA) | -5.5232% | 7,573 |
| Pretax return on assets | -4.3299% | 7,482 |
| Return on Equity (ROE) | -58.6536% | 7,479 |
| Retained earnings to average equity (ytd only) | -58.6536% | 7,475 |
| Net charge-offs to loans | 2.7368% | 658 |
| Credit loss provision to net charge-offs | 110.9267% | 3,967 |
| Earnings coverage of net charge-offs (x) | -0.8748% | 6,571 |
| Efficiency ratio | 166.4740% | 143 |
| Assets per employee ($millions) | 4.8519% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6099% | 254 |
| Loan loss allowance to noncurrent loans | 37.7354% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 15.0489% | 162 |
| Noncurrent loans to loans | 12.2165% | 278 |
| Net loans and leases to total assets | 75.8957% | 1,293 |
| Net loans and leases to deposits | 81.3452% | 2,925 |
| Net loans and leases to core deposits | 85.3276% | 3,425 |
| Total domestic deposits to total assets | 93.3008% | 123 |
| Equity capital to assets | 5.8657% | 7,360 |
| Core capital (leverage) ratio | 5.5012% | 7,366 |
| Tier 1 risk-based capital ratio | 6.4455% | 7,460 |
| Total risk-based capital ratio | 7.7299% | 7,461 |
| Memoranda: | ||
| Average total assets | $132,313,800 | 4,214 |
| Average earning assets | $114,577,400 | 4,358 |
| Average equity | $12,459,600 | 4,492 |
| Average total loans | $105,671,600 | 3,637 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5043% | 2,418 |
| Cost of funding earning assets | 2.3647% | 216 |
| Net interest margin | 3.1396% | 6,509 |
| Noninterest income to average assets | 0.1422% | 6,842 |
| Noninterest expense to average assets | 3.5191% | 1,994 |
| Loan and lease loss provision to assets | 2.2201% | 502 |
| Net operating income to assets | -1.9094% | 7,216 |
| Return on assets (ROA) | -1.9042% | 7,229 |
| Pretax return on assets | -2.8775% | 7,391 |
| Return on Equity (ROE) | -18.6430% | 7,195 |
| Retained earnings to average equity (ytd only) | -18.6430% | 7,176 |
| Net charge-offs to loans | 2.1167% | 874 |
| Credit loss provision to net charge-offs | 131.2135% | 3,076 |
| Earnings coverage of net charge-offs (x) | -0.3932% | 6,288 |
| Efficiency ratio | 123.3137% | 360 |
| Assets per employee ($millions) | 5.7447% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6394% | 229 |
| Loan loss allowance to noncurrent loans | 36.4033% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 16.6519% | 113 |
| Noncurrent loans to loans | 12.7445% | 243 |
| Net loans and leases to total assets | 72.6169% | 2,095 |
| Net loans and leases to deposits | 80.9551% | 3,276 |
| Net loans and leases to core deposits | 85.6090% | 3,715 |
| Total domestic deposits to total assets | 89.7002% | 1,019 |
| Equity capital to assets | 9.6285% | 4,655 |
| Core capital (leverage) ratio | 7.5958% | 6,772 |
| Tier 1 risk-based capital ratio | 8.1933% | 7,464 |
| Total risk-based capital ratio | 9.4758% | 7,467 |
| Memoranda: | ||
| Average total assets | $135,067,750 | 4,209 |
| Average earning assets | $116,656,500 | 4,365 |
| Average equity | $13,795,750 | 4,251 |
| Average total loans | $107,962,250 | 3,638 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5888% | 2,179 |
| Cost of funding earning assets | 2.3677% | 266 |
| Net interest margin | 3.2211% | 6,252 |
| Noninterest income to average assets | 0.1029% | 7,091 |
| Noninterest expense to average assets | 3.0372% | 3,563 |
| Loan and lease loss provision to assets | 1.6656% | 768 |
| Net operating income to assets | -1.0057% | 6,948 |
| Return on assets (ROA) | -0.9982% | 6,966 |
| Pretax return on assets | -1.7803% | 7,169 |
| Return on Equity (ROE) | -9.5947% | 6,953 |
| Retained earnings to average equity (ytd only) | -9.5947% | 6,898 |
| Net charge-offs to loans | 2.3639% | 735 |
| Credit loss provision to net charge-offs | 86.8199% | 4,524 |
| Earnings coverage of net charge-offs (x) | -0.0659% | 5,776 |
| Efficiency ratio | 104.3434% | 673 |
| Assets per employee ($millions) | 4.9707% | 2,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7027% | 473 |
| Loan loss allowance to noncurrent loans | 32.3189% | 6,209 |
| Noncurrent assets plus other real estate owned to assets | 12.9060% | 226 |
| Noncurrent loans to loans | 11.4568% | 332 |
| Net loans and leases to total assets | 76.7571% | 1,339 |
| Net loans and leases to deposits | 86.2534% | 2,471 |
| Net loans and leases to core deposits | 91.5583% | 3,048 |
| Total domestic deposits to total assets | 88.9903% | 1,444 |
| Equity capital to assets | 10.3674% | 3,563 |
| Core capital (leverage) ratio | 8.7086% | 5,061 |
| Tier 1 risk-based capital ratio | 9.3461% | 7,320 |
| Total risk-based capital ratio | 10.6201% | 7,313 |
| Memoranda: | ||
| Average total assets | $136,047,330 | 4,211 |
| Average earning assets | $118,594,670 | 4,348 |
| Average equity | $14,153,670 | 4,166 |
| Average total loans | $110,411,000 | 3,622 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4946% | 2,604 |
| Cost of funding earning assets | 2.3619% | 344 |
| Net interest margin | 3.1326% | 6,507 |
| Noninterest income to average assets | -0.0409% | 7,723 |
| Noninterest expense to average assets | 2.8357% | 4,341 |
| Loan and lease loss provision to assets | 2.0501% | 536 |
| Net operating income to assets | -1.1419% | 7,192 |
| Return on assets (ROA) | -1.1419% | 7,208 |
| Pretax return on assets | -2.1728% | 7,453 |
| Return on Equity (ROE) | -10.9574% | 7,167 |
| Retained earnings to average equity (ytd only) | -10.9574% | 7,010 |
| Net charge-offs to loans | 1.3699% | 1,257 |
| Credit loss provision to net charge-offs | 182.8125% | 2,005 |
| Earnings coverage of net charge-offs (x) | -0.1094% | 5,107 |
| Efficiency ratio | 104.5210% | 709 |
| Assets per employee ($millions) | 4.8247% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0147% | 370 |
| Loan loss allowance to noncurrent loans | 35.2610% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 12.3872% | 238 |
| Noncurrent loans to loans | 11.3857% | 331 |
| Net loans and leases to total assets | 78.7736% | 1,014 |
| Net loans and leases to deposits | 88.5324% | 2,127 |
| Net loans and leases to core deposits | 93.9258% | 2,850 |
| Total domestic deposits to total assets | 88.9771% | 1,532 |
| Equity capital to assets | 10.4470% | 3,298 |
| Core capital (leverage) ratio | 8.9271% | 4,684 |
| Tier 1 risk-based capital ratio | 9.5449% | 7,281 |
| Total risk-based capital ratio | 10.8228% | 7,260 |
| Memoranda: | ||
| Average total assets | $136,966,500 | 4,250 |
| Average earning assets | $120,410,000 | 4,361 |
| Average equity | $14,273,500 | 4,174 |
| Average total loans | $112,128,500 | 3,641 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8810% | 2,318 |
| Cost of funding earning assets | 2.8625% | 353 |
| Net interest margin | 3.0185% | 6,599 |
| Noninterest income to average assets | 0.2426% | 6,361 |
| Noninterest expense to average assets | 3.7051% | 1,904 |
| Loan and lease loss provision to assets | 3.2757% | 492 |
| Net operating income to assets | -2.3109% | 7,203 |
| Return on assets (ROA) | -2.3095% | 7,205 |
| Pretax return on assets | -4.0448% | 7,538 |
| Return on Equity (ROE) | -19.1596% | 7,117 |
| Retained earnings to average equity (ytd only) | -19.1596% | 7,075 |
| Net charge-offs to loans | 1.4311% | 1,754 |
| Credit loss provision to net charge-offs | 281.4561% | 1,204 |
| Earnings coverage of net charge-offs (x) | -0.6627% | 6,787 |
| Efficiency ratio | 126.2898% | 509 |
| Assets per employee ($millions) | 5.5537% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6449% | 470 |
| Loan loss allowance to noncurrent loans | 38.6262% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 10.9045% | 312 |
| Noncurrent loans to loans | 9.4365% | 455 |
| Net loans and leases to total assets | 78.6916% | 1,250 |
| Net loans and leases to deposits | 89.0215% | 2,385 |
| Net loans and leases to core deposits | 133.7524% | 1,070 |
| Total domestic deposits to total assets | 88.3962% | 1,774 |
| Equity capital to assets | 10.3960% | 3,290 |
| Core capital (leverage) ratio | 9.1208% | 4,240 |
| Tier 1 risk-based capital ratio | 9.8293% | 6,998 |
| Total risk-based capital ratio | 11.1030% | 6,964 |
| Memoranda: | ||
| Average total assets | $138,079,400 | 4,162 |
| Average earning assets | $123,108,000 | 4,239 |
| Average equity | $16,644,400 | 3,748 |
| Average total loans | $112,290,000 | 3,642 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9060% | 2,426 |
| Cost of funding earning assets | 2.9249% | 412 |
| Net interest margin | 2.9811% | 6,655 |
| Noninterest income to average assets | 0.2698% | 6,304 |
| Noninterest expense to average assets | 3.6850% | 1,857 |
| Loan and lease loss provision to assets | 1.2725% | 1,516 |
| Net operating income to assets | -1.1577% | 6,935 |
| Return on assets (ROA) | -1.1565% | 6,938 |
| Pretax return on assets | -2.0190% | 7,192 |
| Return on Equity (ROE) | -9.2727% | 6,833 |
| Retained earnings to average equity (ytd only) | -9.2727% | 6,732 |
| Net charge-offs to loans | 0.9308% | 2,109 |
| Credit loss provision to net charge-offs | 168.2864% | 2,779 |
| Earnings coverage of net charge-offs (x) | -0.9898% | 6,628 |
| Efficiency ratio | 125.4857% | 521 |
| Assets per employee ($millions) | 5.6366% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 3,344 |
| Loan loss allowance to noncurrent loans | 16.5017% | 7,265 |
| Noncurrent assets plus other real estate owned to assets | 10.7639% | 294 |
| Noncurrent loans to loans | 9.1854% | 476 |
| Net loans and leases to total assets | 80.7359% | 1,034 |
| Net loans and leases to deposits | 98.3293% | 1,285 |
| Net loans and leases to core deposits | 141.5724% | 848 |
| Total domestic deposits to total assets | 82.1077% | 4,639 |
| Equity capital to assets | 11.7943% | 2,357 |
| Core capital (leverage) ratio | 11.9666% | 1,814 |
| Tier 1 risk-based capital ratio | 12.2231% | 4,767 |
| Total risk-based capital ratio | 13.4737% | 4,715 |
| Memoranda: | ||
| Average total assets | $137,888,750 | 4,191 |
| Average earning assets | $123,351,250 | 4,263 |
| Average equity | $17,197,000 | 3,664 |
| Average total loans | $112,015,000 | 3,687 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9455% | 2,402 |
| Cost of funding earning assets | 3.0111% | 457 |
| Net interest margin | 2.9344% | 6,725 |
| Noninterest income to average assets | 0.2309% | 6,632 |
| Noninterest expense to average assets | 3.2846% | 3,029 |
| Loan and lease loss provision to assets | 1.1923% | 1,445 |
| Net operating income to assets | -0.9282% | 6,915 |
| Return on assets (ROA) | -0.9264% | 6,925 |
| Pretax return on assets | -1.6160% | 7,138 |
| Return on Equity (ROE) | -7.2918% | 6,830 |
| Retained earnings to average equity (ytd only) | -7.2918% | 6,594 |
| Net charge-offs to loans | 1.1493% | 1,588 |
| Credit loss provision to net charge-offs | 128.1005% | 3,629 |
| Earnings coverage of net charge-offs (x) | -0.4584% | 6,052 |
| Efficiency ratio | 114.9284% | 753 |
| Assets per employee ($millions) | 5.2767% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 4,470 |
| Loan loss allowance to noncurrent loans | 16.9376% | 7,286 |
| Noncurrent assets plus other real estate owned to assets | 10.1622% | 280 |
| Noncurrent loans to loans | 7.4961% | 622 |
| Net loans and leases to total assets | 79.1239% | 1,496 |
| Net loans and leases to deposits | 93.3332% | 2,206 |
| Net loans and leases to core deposits | 140.4666% | 992 |
| Total domestic deposits to total assets | 84.7757% | 3,368 |
| Equity capital to assets | 12.3955% | 1,977 |
| Core capital (leverage) ratio | 12.2383% | 1,726 |
| Tier 1 risk-based capital ratio | 13.3346% | 3,911 |
| Total risk-based capital ratio | 14.4320% | 3,932 |
| Memoranda: | ||
| Average total assets | $136,880,000 | 4,239 |
| Average earning assets | $122,545,670 | 4,308 |
| Average equity | $17,389,330 | 3,641 |
| Average total loans | $110,846,670 | 3,748 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1191% | 1,878 |
| Cost of funding earning assets | 3.0368% | 551 |
| Net interest margin | 3.0823% | 6,248 |
| Noninterest income to average assets | 0.2341% | 6,590 |
| Noninterest expense to average assets | 3.1889% | 3,040 |
| Loan and lease loss provision to assets | 1.5915% | 790 |
| Net operating income to assets | -1.0152% | 7,264 |
| Return on assets (ROA) | -1.0152% | 7,278 |
| Pretax return on assets | -1.7729% | 7,463 |
| Return on Equity (ROE) | -7.8949% | 7,234 |
| Retained earnings to average equity (ytd only) | -7.8949% | 6,905 |
| Net charge-offs to loans | 2.5590% | 537 |
| Credit loss provision to net charge-offs | 76.4045% | 4,249 |
| Earnings coverage of net charge-offs (x) | -0.0871% | 5,061 |
| Efficiency ratio | 106.0311% | 927 |
| Assets per employee ($millions) | 5.0949% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 6,400 |
| Loan loss allowance to noncurrent loans | 52.2410% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 5.7232% | 719 |
| Noncurrent loans to loans | 1.8470% | 3,495 |
| Net loans and leases to total assets | 78.2694% | 1,760 |
| Net loans and leases to deposits | 92.5174% | 2,512 |
| Net loans and leases to core deposits | 144.7145% | 907 |
| Total domestic deposits to total assets | 84.5997% | 3,414 |
| Equity capital to assets | 12.6009% | 1,926 |
| Core capital (leverage) ratio | 12.4429% | 1,710 |
| Tier 1 risk-based capital ratio | 13.6568% | 3,762 |
| Total risk-based capital ratio | 14.4872% | 3,950 |
| Memoranda: | ||
| Average total assets | $136,722,500 | 4,261 |
| Average earning assets | $123,025,500 | 4,303 |
| Average equity | $17,581,000 | 3,626 |
| Average total loans | $111,295,000 | 3,757 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8712% | 1,487 |
| Cost of funding earning assets | 3.1581% | 1,324 |
| Net interest margin | 3.7131% | 4,411 |
| Noninterest income to average assets | 0.5237% | 4,435 |
| Noninterest expense to average assets | 2.7229% | 5,163 |
| Loan and lease loss provision to assets | 0.7686% | 1,938 |
| Net operating income to assets | 0.2672% | 5,657 |
| Return on assets (ROA) | 0.2672% | 5,475 |
| Pretax return on assets | 0.4231% | 5,197 |
| Return on Equity (ROE) | 1.9753% | 5,630 |
| Retained earnings to average equity (ytd only) | 1.9753% | 4,003 |
| Net charge-offs to loans | 0.6712% | 1,837 |
| Credit loss provision to net charge-offs | 137.6891% | 3,869 |
| Earnings coverage of net charge-offs (x) | 2.1348% | 5,004 |
| Efficiency ratio | 69.5567% | 4,434 |
| Assets per employee ($millions) | 4.5294% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 5,491 |
| Loan loss allowance to noncurrent loans | 19.1533% | 7,272 |
| Noncurrent assets plus other real estate owned to assets | 5.7395% | 543 |
| Noncurrent loans to loans | 5.5799% | 718 |
| Net loans and leases to total assets | 82.9059% | 1,059 |
| Net loans and leases to deposits | 100.9833% | 1,709 |
| Net loans and leases to core deposits | 157.3702% | 634 |
| Total domestic deposits to total assets | 82.0986% | 4,160 |
| Equity capital to assets | 13.1201% | 1,742 |
| Core capital (leverage) ratio | 13.3480% | 1,433 |
| Tier 1 risk-based capital ratio | 13.9213% | 3,582 |
| Total risk-based capital ratio | 14.8840% | 3,646 |
| Memoranda: | ||
| Average total assets | $130,230,400 | 4,278 |
| Average earning assets | $118,930,800 | 4,286 |
| Average equity | $17,617,200 | 3,619 |
| Average total loans | $108,308,400 | 3,729 |