Home > Piedmont Community Bank > Performance and Condition Ratios
Piedmont Community 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 | 4.5547% | 5,070 |
| Cost of funding earning assets | 2.0863% | 82 |
| Net interest margin | 2.4684% | 7,147 |
| Noninterest income to average assets | 1.3067% | 767 |
| Noninterest expense to average assets | 4.3177% | 704 |
| Loan and lease loss provision to assets | 4.0968% | 58 |
| Net operating income to assets | -5.2147% | 7,382 |
| Return on assets (ROA) | -5.2147% | 7,385 |
| Pretax return on assets | -5.2160% | 7,382 |
| Return on Equity (ROE) | -308.1531% | 7,431 |
| Retained earnings to average equity (ytd only) | -308.1531% | 7,431 |
| Net charge-offs to loans | 6.1608% | 52 |
| Credit loss provision to net charge-offs | 105.6291% | 3,141 |
| Earnings coverage of net charge-offs (x) | -0.2886% | 5,760 |
| Efficiency ratio | 134.9930% | 199 |
| Assets per employee ($millions) | 9.0451% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0685% | 171 |
| Loan loss allowance to noncurrent loans | 36.4712% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 30.1850% | 8 |
| Noncurrent loans to loans | 13.8974% | 164 |
| Net loans and leases to total assets | 53.3858% | 5,262 |
| Net loans and leases to deposits | 59.4240% | 5,702 |
| Net loans and leases to core deposits | 60.6667% | 5,930 |
| Total domestic deposits to total assets | 89.8388% | 955 |
| Equity capital to assets | 0.6659% | 7,430 |
| Core capital (leverage) ratio | 0.6755% | 7,428 |
| Tier 1 risk-based capital ratio | 0.8781% | 7,428 |
| Total risk-based capital ratio | 1.7562% | 7,428 |
| Memoranda: | ||
| Average total assets | $207,637,250 | 2,988 |
| Average earning assets | $159,127,000 | 3,443 |
| Average equity | $3,513,750 | 6,932 |
| Average total loans | $130,715,000 | 2,994 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5754% | 5,075 |
| Cost of funding earning assets | 2.1011% | 101 |
| Net interest margin | 2.4743% | 7,198 |
| Noninterest income to average assets | 0.5539% | 3,450 |
| Noninterest expense to average assets | 4.6761% | 499 |
| Loan and lease loss provision to assets | 6.0137% | 30 |
| Net operating income to assets | -8.1893% | 7,488 |
| Return on assets (ROA) | -7.8682% | 7,488 |
| Pretax return on assets | -7.8682% | 7,489 |
| Return on Equity (ROE) | -390.3538% | 7,506 |
| Retained earnings to average equity (ytd only) | -390.3538% | 7,506 |
| Net charge-offs to loans | 8.1279% | 39 |
| Credit loss provision to net charge-offs | 113.7058% | 2,692 |
| Earnings coverage of net charge-offs (x) | -0.4114% | 5,499 |
| Efficiency ratio | 187.0061% | 74 |
| Assets per employee ($millions) | 8.4053% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8074% | 216 |
| Loan loss allowance to noncurrent loans | 34.6130% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 27.5061% | 17 |
| Noncurrent loans to loans | 13.8890% | 166 |
| Net loans and leases to total assets | 59.8282% | 4,301 |
| Net loans and leases to deposits | 66.5298% | 4,919 |
| Net loans and leases to core deposits | 67.7933% | 5,310 |
| Total domestic deposits to total assets | 89.9269% | 1,011 |
| Equity capital to assets | 0.6578% | 7,501 |
| Core capital (leverage) ratio | 0.5764% | 7,500 |
| Tier 1 risk-based capital ratio | 0.7494% | 7,504 |
| Total risk-based capital ratio | 1.4989% | 7,504 |
| Memoranda: | ||
| Average total assets | $210,518,670 | 2,970 |
| Average earning assets | $165,624,670 | 3,345 |
| Average equity | $4,243,330 | 6,766 |
| Average total loans | $136,984,670 | 2,917 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4377% | 5,565 |
| Cost of funding earning assets | 2.1390% | 105 |
| Net interest margin | 2.2987% | 7,313 |
| Noninterest income to average assets | 0.3685% | 4,963 |
| Noninterest expense to average assets | 5.6729% | 231 |
| Loan and lease loss provision to assets | 10.3408% | 9 |
| Net operating income to assets | -13.8231% | 7,568 |
| Return on assets (ROA) | -13.7747% | 7,568 |
| Pretax return on assets | -13.7747% | 7,567 |
| Return on Equity (ROE) | -519.2318% | 7,563 |
| Retained earnings to average equity (ytd only) | -519.2318% | 7,563 |
| Net charge-offs to loans | 14.7883% | 15 |
| Credit loss provision to net charge-offs | 105.7681% | 2,517 |
| Earnings coverage of net charge-offs (x) | -0.3562% | 4,751 |
| Efficiency ratio | 258.9635% | 34 |
| Assets per employee ($millions) | 9.5711% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0810% | 402 |
| Loan loss allowance to noncurrent loans | 17.5984% | 6,852 |
| Noncurrent assets plus other real estate owned to assets | 29.0898% | 11 |
| Noncurrent loans to loans | 23.1898% | 45 |
| Net loans and leases to total assets | 62.8989% | 3,684 |
| Net loans and leases to deposits | 69.7065% | 4,395 |
| Net loans and leases to core deposits | 71.1634% | 4,910 |
| Total domestic deposits to total assets | 90.2339% | 1,003 |
| Equity capital to assets | 0.9726% | 7,559 |
| Core capital (leverage) ratio | 0.9390% | 7,558 |
| Tier 1 risk-based capital ratio | 1.2364% | 7,559 |
| Total risk-based capital ratio | 2.4729% | 7,559 |
| Memoranda: | ||
| Average total assets | $214,915,000 | 2,938 |
| Average earning assets | $170,359,500 | 3,299 |
| Average equity | $5,701,500 | 6,334 |
| Average total loans | $142,085,000 | 2,841 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4373% | 6,548 |
| Cost of funding earning assets | 2.5026% | 104 |
| Net interest margin | 1.9347% | 7,477 |
| Noninterest income to average assets | 0.2900% | 5,712 |
| Noninterest expense to average assets | 2.9061% | 4,203 |
| Loan and lease loss provision to assets | 1.6227% | 891 |
| Net operating income to assets | -2.9191% | 7,278 |
| Return on assets (ROA) | -2.7141% | 7,246 |
| Pretax return on assets | -2.4314% | 7,142 |
| Return on Equity (ROE) | -49.1175% | 7,417 |
| Retained earnings to average equity (ytd only) | -49.1175% | 7,414 |
| Net charge-offs to loans | 1.7665% | 1,199 |
| Credit loss provision to net charge-offs | 135.1060% | 2,884 |
| Earnings coverage of net charge-offs (x) | -0.8441% | 6,567 |
| Efficiency ratio | 153.5690% | 198 |
| Assets per employee ($millions) | 8.7706% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6504% | 528 |
| Loan loss allowance to noncurrent loans | 18.4578% | 6,865 |
| Noncurrent assets plus other real estate owned to assets | 26.8465% | 18 |
| Noncurrent loans to loans | 19.7773% | 74 |
| Net loans and leases to total assets | 64.1958% | 3,834 |
| Net loans and leases to deposits | 73.5675% | 4,265 |
| Net loans and leases to core deposits | 76.2087% | 4,681 |
| Total domestic deposits to total assets | 87.2611% | 2,690 |
| Equity capital to assets | 4.2665% | 7,495 |
| Core capital (leverage) ratio | 4.2690% | 7,479 |
| Tier 1 risk-based capital ratio | 5.3011% | 7,509 |
| Total risk-based capital ratio | 6.5623% | 7,513 |
| Memoranda: | ||
| Average total assets | $231,716,800 | 2,730 |
| Average earning assets | $191,918,200 | 2,975 |
| Average equity | $12,804,000 | 4,396 |
| Average total loans | $157,540,200 | 2,651 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4203% | 6,787 |
| Cost of funding earning assets | 2.5549% | 117 |
| Net interest margin | 1.8654% | 7,611 |
| Noninterest income to average assets | 0.3145% | 5,636 |
| Noninterest expense to average assets | 3.0200% | 3,674 |
| Loan and lease loss provision to assets | 2.1348% | 535 |
| Net operating income to assets | -3.2795% | 7,486 |
| Return on assets (ROA) | -3.0603% | 7,473 |
| Pretax return on assets | -3.0603% | 7,436 |
| Return on Equity (ROE) | -52.5857% | 7,575 |
| Retained earnings to average equity (ytd only) | -52.5857% | 7,573 |
| Net charge-offs to loans | 1.4829% | 1,357 |
| Credit loss provision to net charge-offs | 210.7623% | 1,665 |
| Earnings coverage of net charge-offs (x) | -1.1300% | 6,468 |
| Efficiency ratio | 161.0354% | 163 |
| Assets per employee ($millions) | 8.1980% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2274% | 305 |
| Loan loss allowance to noncurrent loans | 26.2706% | 6,564 |
| Noncurrent assets plus other real estate owned to assets | 23.7451% | 29 |
| Noncurrent loans to loans | 16.0917% | 141 |
| Net loans and leases to total assets | 64.8091% | 3,949 |
| Net loans and leases to deposits | 75.3572% | 4,290 |
| Net loans and leases to core deposits | 79.5119% | 4,586 |
| Total domestic deposits to total assets | 86.0025% | 3,071 |
| Equity capital to assets | 4.8693% | 7,590 |
| Core capital (leverage) ratio | 4.3925% | 7,599 |
| Tier 1 risk-based capital ratio | 5.5606% | 7,617 |
| Total risk-based capital ratio | 6.8387% | 7,619 |
| Memoranda: | ||
| Average total assets | $234,829,750 | 2,725 |
| Average earning assets | $196,483,250 | 2,969 |
| Average equity | $13,666,250 | 4,282 |
| Average total loans | $160,402,250 | 2,651 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5559% | 6,573 |
| Cost of funding earning assets | 2.6086% | 126 |
| Net interest margin | 1.9473% | 7,655 |
| Noninterest income to average assets | 0.4362% | 4,645 |
| Noninterest expense to average assets | 2.8129% | 4,431 |
| Loan and lease loss provision to assets | 0.7855% | 1,829 |
| Net operating income to assets | -1.5134% | 7,154 |
| Return on assets (ROA) | -1.5134% | 7,166 |
| Pretax return on assets | -1.5134% | 7,081 |
| Return on Equity (ROE) | -24.7590% | 7,368 |
| Retained earnings to average equity (ytd only) | -24.7590% | 7,354 |
| Net charge-offs to loans | 1.7811% | 1,045 |
| Credit loss provision to net charge-offs | 64.3836% | 5,115 |
| Earnings coverage of net charge-offs (x) | -0.5966% | 6,041 |
| Efficiency ratio | 134.9098% | 284 |
| Assets per employee ($millions) | 8.5270% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4961% | 1,305 |
| Loan loss allowance to noncurrent loans | 22.8919% | 6,799 |
| Noncurrent assets plus other real estate owned to assets | 18.7966% | 71 |
| Noncurrent loans to loans | 10.9040% | 371 |
| Net loans and leases to total assets | 65.0842% | 4,025 |
| Net loans and leases to deposits | 76.6240% | 4,215 |
| Net loans and leases to core deposits | 93.6630% | 2,774 |
| Total domestic deposits to total assets | 84.9397% | 3,665 |
| Equity capital to assets | 6.1721% | 7,513 |
| Core capital (leverage) ratio | 5.7599% | 7,517 |
| Tier 1 risk-based capital ratio | 7.2705% | 7,579 |
| Total risk-based capital ratio | 8.5306% | 7,584 |
| Memoranda: | ||
| Average total assets | $239,324,000 | 2,710 |
| Average earning assets | $202,638,000 | 2,904 |
| Average equity | $14,629,000 | 4,068 |
| Average total loans | $163,941,330 | 2,636 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4958% | 6,798 |
| Cost of funding earning assets | 2.6304% | 149 |
| Net interest margin | 1.8655% | 7,764 |
| Noninterest income to average assets | 0.4888% | 4,137 |
| Noninterest expense to average assets | 3.4772% | 2,043 |
| Loan and lease loss provision to assets | 0.7217% | 1,762 |
| Net operating income to assets | -2.1060% | 7,486 |
| Return on assets (ROA) | -2.1060% | 7,488 |
| Pretax return on assets | -2.1060% | 7,437 |
| Return on Equity (ROE) | -34.6127% | 7,614 |
| Retained earnings to average equity (ytd only) | -34.6127% | 7,594 |
| Net charge-offs to loans | 2.1032% | 810 |
| Credit loss provision to net charge-offs | 49.4938% | 4,498 |
| Earnings coverage of net charge-offs (x) | -0.9494% | 5,376 |
| Efficiency ratio | 166.1442% | 158 |
| Assets per employee ($millions) | 7.2262% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4215% | 1,398 |
| Loan loss allowance to noncurrent loans | 22.1009% | 6,909 |
| Noncurrent assets plus other real estate owned to assets | 16.5123% | 104 |
| Noncurrent loans to loans | 10.9566% | 363 |
| Net loans and leases to total assets | 66.0214% | 3,843 |
| Net loans and leases to deposits | 76.7189% | 4,280 |
| Net loans and leases to core deposits | 98.4301% | 2,304 |
| Total domestic deposits to total assets | 86.0562% | 3,127 |
| Equity capital to assets | 6.0185% | 7,621 |
| Core capital (leverage) ratio | 5.7346% | 7,620 |
| Tier 1 risk-based capital ratio | 7.4425% | 7,661 |
| Total risk-based capital ratio | 8.4461% | 7,684 |
| Memoranda: | ||
| Average total assets | $243,872,000 | 2,720 |
| Average earning assets | $209,705,000 | 2,879 |
| Average equity | $14,838,500 | 4,050 |
| Average total loans | $169,073,000 | 2,628 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5633% | 7,325 |
| Cost of funding earning assets | 3.1923% | 129 |
| Net interest margin | 1.3710% | 7,889 |
| Noninterest income to average assets | 0.4591% | 4,723 |
| Noninterest expense to average assets | 2.4528% | 6,297 |
| Loan and lease loss provision to assets | 0.8014% | 2,731 |
| Net operating income to assets | -1.5346% | 6,877 |
| Return on assets (ROA) | -1.5346% | 6,883 |
| Pretax return on assets | -1.6001% | 6,760 |
| Return on Equity (ROE) | -22.1304% | 7,213 |
| Retained earnings to average equity (ytd only) | -22.1304% | 7,182 |
| Net charge-offs to loans | 0.3543% | 4,458 |
| Credit loss provision to net charge-offs | 314.3075% | 1,041 |
| Earnings coverage of net charge-offs (x) | -3.1324% | 7,060 |
| Efficiency ratio | 148.2872% | 325 |
| Assets per employee ($millions) | 7.5539% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4638% | 1,271 |
| Loan loss allowance to noncurrent loans | 14.9112% | 7,265 |
| Noncurrent assets plus other real estate owned to assets | 16.4161% | 108 |
| Noncurrent loans to loans | 16.5231% | 128 |
| Net loans and leases to total assets | 69.1775% | 3,443 |
| Net loans and leases to deposits | 80.2917% | 3,936 |
| Net loans and leases to core deposits | 105.9563% | 3,339 |
| Total domestic deposits to total assets | 86.1577% | 2,926 |
| Equity capital to assets | 6.1477% | 7,647 |
| Core capital (leverage) ratio | 5.8069% | 7,669 |
| Tier 1 risk-based capital ratio | 7.6440% | 7,685 |
| Total risk-based capital ratio | 8.9073% | 7,695 |
| Memoranda: | ||
| Average total assets | $257,665,000 | 2,540 |
| Average earning assets | $224,573,600 | 2,657 |
| Average equity | $17,866,800 | 3,520 |
| Average total loans | $185,444,800 | 2,449 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6094% | 7,406 |
| Cost of funding earning assets | 3.2677% | 154 |
| Net interest margin | 1.3417% | 7,975 |
| Noninterest income to average assets | 0.1884% | 6,869 |
| Noninterest expense to average assets | 2.1958% | 6,990 |
| Loan and lease loss provision to assets | 0.7253% | 2,564 |
| Net operating income to assets | -1.4793% | 7,097 |
| Return on assets (ROA) | -1.4793% | 7,095 |
| Pretax return on assets | -1.5660% | 6,998 |
| Return on Equity (ROE) | -20.7681% | 7,400 |
| Retained earnings to average equity (ytd only) | -20.7681% | 7,370 |
| Net charge-offs to loans | 0.4470% | 3,443 |
| Credit loss provision to net charge-offs | 224.6423% | 1,949 |
| Earnings coverage of net charge-offs (x) | -2.6041% | 6,781 |
| Efficiency ratio | 162.0455% | 263 |
| Assets per employee ($millions) | 7.9981% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0746% | 1,637 |
| Loan loss allowance to noncurrent loans | 14.2171% | 7,356 |
| Noncurrent assets plus other real estate owned to assets | 14.4838% | 132 |
| Noncurrent loans to loans | 14.5922% | 157 |
| Net loans and leases to total assets | 66.7428% | 4,249 |
| Net loans and leases to deposits | 77.3897% | 4,838 |
| Net loans and leases to core deposits | 105.8616% | 3,715 |
| Total domestic deposits to total assets | 86.2426% | 2,567 |
| Equity capital to assets | 6.4383% | 7,775 |
| Core capital (leverage) ratio | 6.1897% | 7,765 |
| Tier 1 risk-based capital ratio | 7.9163% | 7,804 |
| Total risk-based capital ratio | 9.1736% | 7,815 |
| Memoranda: | ||
| Average total assets | $259,761,500 | 2,529 |
| Average earning assets | $225,880,500 | 2,664 |
| Average equity | $18,502,250 | 3,453 |
| Average total loans | $187,605,750 | 2,455 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7358% | 7,341 |
| Cost of funding earning assets | 3.3352% | 181 |
| Net interest margin | 1.4006% | 8,039 |
| Noninterest income to average assets | 0.3932% | 5,346 |
| Noninterest expense to average assets | 2.4430% | 6,322 |
| Loan and lease loss provision to assets | 0.9382% | 1,798 |
| Net operating income to assets | -1.6310% | 7,301 |
| Return on assets (ROA) | -1.6310% | 7,300 |
| Pretax return on assets | -1.7618% | 7,198 |
| Return on Equity (ROE) | -22.1727% | 7,565 |
| Retained earnings to average equity (ytd only) | -22.1727% | 7,519 |
| Net charge-offs to loans | 0.4280% | 3,088 |
| Credit loss provision to net charge-offs | 297.7887% | 1,572 |
| Earnings coverage of net charge-offs (x) | -2.6143% | 6,391 |
| Efficiency ratio | 150.8604% | 367 |
| Assets per employee ($millions) | 7.4154% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0207% | 1,527 |
| Loan loss allowance to noncurrent loans | 28.2968% | 6,609 |
| Noncurrent assets plus other real estate owned to assets | 9.9326% | 299 |
| Noncurrent loans to loans | 7.1411% | 672 |
| Net loans and leases to total assets | 70.1144% | 3,680 |
| Net loans and leases to deposits | 80.2975% | 4,500 |
| Net loans and leases to core deposits | 110.7557% | 3,296 |
| Total domestic deposits to total assets | 87.3183% | 2,091 |
| Equity capital to assets | 6.6822% | 7,757 |
| Core capital (leverage) ratio | 6.5757% | 7,757 |
| Tier 1 risk-based capital ratio | 7.9200% | 7,922 |
| Total risk-based capital ratio | 9.1764% | 7,938 |
| Memoranda: | ||
| Average total assets | $258,369,670 | 2,554 |
| Average earning assets | $226,190,670 | 2,678 |
| Average equity | $19,005,330 | 3,390 |
| Average total loans | $190,177,330 | 2,457 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9730% | 7,004 |
| Cost of funding earning assets | 3.3713% | 217 |
| Net interest margin | 1.6016% | 8,033 |
| Noninterest income to average assets | 0.5477% | 3,944 |
| Noninterest expense to average assets | 1.7193% | 7,802 |
| Loan and lease loss provision to assets | 0.7169% | 1,787 |
| Net operating income to assets | -0.2064% | 6,562 |
| Return on assets (ROA) | -0.2064% | 6,647 |
| Pretax return on assets | -0.4686% | 6,802 |
| Return on Equity (ROE) | -2.6819% | 6,740 |
| Retained earnings to average equity (ytd only) | -2.6819% | 6,216 |
| Net charge-offs to loans | 0.7360% | 1,710 |
| Credit loss provision to net charge-offs | 130.5085% | 3,067 |
| Earnings coverage of net charge-offs (x) | 0.4520% | 4,628 |
| Efficiency ratio | 87.3817% | 1,947 |
| Assets per employee ($millions) | 7.3524% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5930% | 2,549 |
| Loan loss allowance to noncurrent loans | 25.3968% | 6,874 |
| Noncurrent assets plus other real estate owned to assets | 7.8358% | 392 |
| Noncurrent loans to loans | 6.2724% | 730 |
| Net loans and leases to total assets | 73.3614% | 2,922 |
| Net loans and leases to deposits | 85.3068% | 3,756 |
| Net loans and leases to core deposits | 119.7110% | 2,442 |
| Total domestic deposits to total assets | 85.9971% | 2,729 |
| Equity capital to assets | 7.6461% | 7,227 |
| Core capital (leverage) ratio | 7.4304% | 7,235 |
| Tier 1 risk-based capital ratio | 8.8126% | 7,875 |
| Total risk-based capital ratio | 10.0650% | 7,928 |
| Memoranda: | ||
| Average total assets | $257,784,500 | 2,568 |
| Average earning assets | $228,516,000 | 2,659 |
| Average equity | $19,836,500 | 3,279 |
| Average total loans | $192,402,000 | 2,443 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8794% | 6,140 |
| Cost of funding earning assets | 3.8864% | 144 |
| Net interest margin | 1.9930% | 8,066 |
| Noninterest income to average assets | 0.2714% | 6,510 |
| Noninterest expense to average assets | 2.0582% | 7,327 |
| Loan and lease loss provision to assets | 0.9223% | 1,615 |
| Net operating income to assets | -0.5410% | 6,953 |
| Return on assets (ROA) | -0.5410% | 6,837 |
| Pretax return on assets | -0.9137% | 6,947 |
| Return on Equity (ROE) | -6.5244% | 7,003 |
| Retained earnings to average equity (ytd only) | -7.2304% | 6,806 |
| Net charge-offs to loans | 0.5582% | 2,147 |
| Credit loss provision to net charge-offs | 203.5849% | 2,386 |
| Earnings coverage of net charge-offs (x) | 0.0189% | 6,233 |
| Efficiency ratio | 99.5864% | 1,000 |
| Assets per employee ($millions) | 6.6214% | 841 |
| Cash dividends to net income (ytd only)* | -10.8215% | 7,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 2,554 |
| Loan loss allowance to noncurrent loans | 24.6736% | 7,023 |
| Noncurrent assets plus other real estate owned to assets | 8.0519% | 288 |
| Noncurrent loans to loans | 6.1918% | 550 |
| Net loans and leases to total assets | 73.5827% | 3,210 |
| Net loans and leases to deposits | 85.8962% | 4,133 |
| Net loans and leases to core deposits | 116.8832% | 3,015 |
| Total domestic deposits to total assets | 85.6647% | 2,554 |
| Equity capital to assets | 7.7437% | 7,160 |
| Core capital (leverage) ratio | 8.0954% | 6,330 |
| Tier 1 risk-based capital ratio | 8.7557% | 7,929 |
| Total risk-based capital ratio | 10.0065% | 8,006 |
| Memoranda: | ||
| Average total assets | $233,991,200 | 2,714 |
| Average earning assets | $210,788,200 | 2,764 |
| Average equity | $19,404,200 | 3,322 |
| Average total loans | $189,899,600 | 2,393 |