Home > Plantation Federal Bank > Performance and Condition Ratios
Plantation Federal Bank, Performance and Condition Ratios
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5624% | 6,621 |
| Cost of funding earning assets | 1.4386% | 368 |
| Net interest margin | 2.1238% | 7,124 |
| Noninterest income to average assets | 0.1070% | 6,705 |
| Noninterest expense to average assets | 10.8271% | 71 |
| Loan and lease loss provision to assets | 13.0743% | 3 |
| Net operating income to assets | -24.0466% | 7,308 |
| Return on assets (ROA) | -23.9771% | 7,308 |
| Pretax return on assets | -21.8030% | 7,308 |
| Return on Equity (ROE) | 1,270.9923% | 1 |
| Retained earnings to average equity (ytd only) | 1,270.9923% | 1 |
| Net charge-offs to loans | 16.0985% | 7 |
| Credit loss provision to net charge-offs | 111.5034% | 2,109 |
| Earnings coverage of net charge-offs (x) | -0.7504% | 4,534 |
| Efficiency ratio | 533.6477% | 6 |
| Assets per employee ($millions) | 6.0210% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0019% | 367 |
| Loan loss allowance to noncurrent loans | 35.2325% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 12.2848% | 194 |
| Noncurrent loans to loans | 11.3586% | 233 |
| Net loans and leases to total assets | 71.4146% | 1,498 |
| Net loans and leases to deposits | 74.4311% | 3,059 |
| Net loans and leases to core deposits | 76.8716% | 3,493 |
| Total domestic deposits to total assets | 95.9473% | 39 |
| Equity capital to assets | -5.1929% | 7,308 |
| Core capital (leverage) ratio | -5.1920% | 7,308 |
| Tier 1 risk-based capital ratio | -7.6108% | 7,308 |
| Total risk-based capital ratio | -7.6108% | 7,308 |
| Memoranda: | ||
| Average total assets | $459,956,000 | 1,449 |
| Average earning assets | $416,231,500 | 1,466 |
| Average equity | $-8,677,000 | 7,308 |
| Average total loans | $335,012,000 | 1,263 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7547% | 6,780 |
| Cost of funding earning assets | 1.6611% | 374 |
| Net interest margin | 2.0936% | 7,203 |
| Noninterest income to average assets | -0.0526% | 7,061 |
| Noninterest expense to average assets | 2.3398% | 5,942 |
| Loan and lease loss provision to assets | 3.3061% | 98 |
| Net operating income to assets | -3.8191% | 7,244 |
| Return on assets (ROA) | -3.6274% | 7,237 |
| Pretax return on assets | -3.6274% | 7,244 |
| Return on Equity (ROE) | -121.4030% | 7,329 |
| Retained earnings to average equity (ytd only) | -121.4030% | 7,329 |
| Net charge-offs to loans | 3.7493% | 183 |
| Credit loss provision to net charge-offs | 122.8969% | 2,571 |
| Earnings coverage of net charge-offs (x) | -0.1907% | 5,952 |
| Efficiency ratio | 128.0874% | 244 |
| Assets per employee ($millions) | 6.4000% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9920% | 817 |
| Loan loss allowance to noncurrent loans | 22.5950% | 6,528 |
| Noncurrent assets plus other real estate owned to assets | 14.7128% | 131 |
| Noncurrent loans to loans | 13.2418% | 167 |
| Net loans and leases to total assets | 69.3111% | 2,156 |
| Net loans and leases to deposits | 76.5313% | 3,086 |
| Net loans and leases to core deposits | 81.7336% | 3,222 |
| Total domestic deposits to total assets | 90.5656% | 684 |
| Equity capital to assets | 1.0604% | 7,341 |
| Core capital (leverage) ratio | 1.0412% | 7,343 |
| Tier 1 risk-based capital ratio | 1.5100% | 7,344 |
| Total risk-based capital ratio | 2.7830% | 7,344 |
| Memoranda: | ||
| Average total assets | $558,973,400 | 1,180 |
| Average earning assets | $501,770,400 | 1,207 |
| Average equity | $16,701,400 | 3,622 |
| Average total loans | $401,061,800 | 1,064 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8737% | 6,761 |
| Cost of funding earning assets | 1.7192% | 368 |
| Net interest margin | 2.1545% | 7,271 |
| Noninterest income to average assets | 0.0213% | 7,039 |
| Noninterest expense to average assets | 2.2837% | 6,081 |
| Loan and lease loss provision to assets | 3.2476% | 95 |
| Net operating income to assets | -3.5754% | 7,305 |
| Return on assets (ROA) | -3.3779% | 7,300 |
| Pretax return on assets | -3.3779% | 7,295 |
| Return on Equity (ROE) | -99.5248% | 7,379 |
| Retained earnings to average equity (ytd only) | -99.5248% | 7,379 |
| Net charge-offs to loans | 3.1064% | 298 |
| Credit loss provision to net charge-offs | 145.5779% | 2,170 |
| Earnings coverage of net charge-offs (x) | -0.1470% | 5,693 |
| Efficiency ratio | 116.7612% | 337 |
| Assets per employee ($millions) | 6.5843% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0652% | 823 |
| Loan loss allowance to noncurrent loans | 25.7652% | 6,453 |
| Noncurrent assets plus other real estate owned to assets | 13.2886% | 184 |
| Noncurrent loans to loans | 11.8967% | 241 |
| Net loans and leases to total assets | 69.9268% | 2,099 |
| Net loans and leases to deposits | 77.7087% | 3,044 |
| Net loans and leases to core deposits | 84.1519% | 3,045 |
| Total domestic deposits to total assets | 89.9859% | 873 |
| Equity capital to assets | 2.0904% | 7,397 |
| Core capital (leverage) ratio | 2.0869% | 7,392 |
| Tier 1 risk-based capital ratio | 3.0292% | 7,393 |
| Total risk-based capital ratio | 4.3019% | 7,394 |
| Memoranda: | ||
| Average total assets | $577,116,750 | 1,148 |
| Average earning assets | $518,213,500 | 1,167 |
| Average equity | $19,587,250 | 3,206 |
| Average total loans | $414,445,500 | 1,019 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9645% | 6,717 |
| Cost of funding earning assets | 1.7423% | 401 |
| Net interest margin | 2.2222% | 7,308 |
| Noninterest income to average assets | -0.4352% | 7,420 |
| Noninterest expense to average assets | 2.2621% | 6,219 |
| Loan and lease loss provision to assets | 1.2231% | 631 |
| Net operating income to assets | -1.9285% | 7,182 |
| Return on assets (ROA) | -1.6844% | 7,148 |
| Pretax return on assets | -1.6844% | 7,108 |
| Return on Equity (ROE) | -44.7162% | 7,330 |
| Retained earnings to average equity (ytd only) | -44.7162% | 7,327 |
| Net charge-offs to loans | 1.4528% | 1,032 |
| Credit loss provision to net charge-offs | 117.3885% | 2,620 |
| Earnings coverage of net charge-offs (x) | -0.6769% | 5,575 |
| Efficiency ratio | 145.3081% | 175 |
| Assets per employee ($millions) | 6.6027% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8072% | 2,966 |
| Loan loss allowance to noncurrent loans | 19.1612% | 6,743 |
| Noncurrent assets plus other real estate owned to assets | 11.0112% | 308 |
| Noncurrent loans to loans | 9.4317% | 426 |
| Net loans and leases to total assets | 70.9119% | 2,024 |
| Net loans and leases to deposits | 80.0705% | 2,779 |
| Net loans and leases to core deposits | 85.6770% | 2,963 |
| Total domestic deposits to total assets | 88.5619% | 1,809 |
| Equity capital to assets | 3.5170% | 7,413 |
| Core capital (leverage) ratio | 3.5328% | 7,402 |
| Tier 1 risk-based capital ratio | 5.2650% | 7,392 |
| Total risk-based capital ratio | 6.5152% | 7,394 |
| Memoranda: | ||
| Average total assets | $598,297,670 | 1,108 |
| Average earning assets | $536,310,000 | 1,133 |
| Average equity | $22,537,670 | 2,811 |
| Average total loans | $429,100,000 | 1,003 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0486% | 6,606 |
| Cost of funding earning assets | 1.8013% | 375 |
| Net interest margin | 2.2472% | 7,338 |
| Noninterest income to average assets | -0.2039% | 7,434 |
| Noninterest expense to average assets | 2.2824% | 6,236 |
| Loan and lease loss provision to assets | 0.8194% | 1,021 |
| Net operating income to assets | -1.3038% | 7,135 |
| Return on assets (ROA) | -1.0134% | 7,053 |
| Pretax return on assets | -1.0134% | 7,002 |
| Return on Equity (ROE) | -26.0873% | 7,291 |
| Retained earnings to average equity (ytd only) | -26.0873% | 7,255 |
| Net charge-offs to loans | 0.7886% | 1,638 |
| Credit loss provision to net charge-offs | 145.3488% | 1,949 |
| Earnings coverage of net charge-offs (x) | -0.8593% | 4,877 |
| Efficiency ratio | 126.9413% | 282 |
| Assets per employee ($millions) | 6.8043% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7169% | 3,282 |
| Loan loss allowance to noncurrent loans | 21.0966% | 6,730 |
| Noncurrent assets plus other real estate owned to assets | 10.2965% | 388 |
| Noncurrent loans to loans | 8.1384% | 598 |
| Net loans and leases to total assets | 71.0253% | 1,911 |
| Net loans and leases to deposits | 80.2936% | 2,665 |
| Net loans and leases to core deposits | 85.7152% | 2,919 |
| Total domestic deposits to total assets | 88.4569% | 2,104 |
| Equity capital to assets | 3.8478% | 7,449 |
| Core capital (leverage) ratio | 4.0081% | 7,437 |
| Tier 1 risk-based capital ratio | 5.9224% | 7,426 |
| Total risk-based capital ratio | 7.1777% | 7,431 |
| Memoranda: | ||
| Average total assets | $610,231,000 | 1,091 |
| Average earning assets | $543,599,500 | 1,123 |
| Average equity | $23,705,000 | 2,672 |
| Average total loans | $436,231,500 | 1,001 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1353% | 7,003 |
| Cost of funding earning assets | 2.0629% | 486 |
| Net interest margin | 2.0724% | 7,437 |
| Noninterest income to average assets | -0.4231% | 7,545 |
| Noninterest expense to average assets | 2.3434% | 6,231 |
| Loan and lease loss provision to assets | 2.4646% | 458 |
| Net operating income to assets | -2.9791% | 7,291 |
| Return on assets (ROA) | -2.7048% | 7,244 |
| Pretax return on assets | -3.0217% | 7,298 |
| Return on Equity (ROE) | -53.3581% | 7,439 |
| Retained earnings to average equity (ytd only) | -53.3581% | 7,436 |
| Net charge-offs to loans | 3.1604% | 506 |
| Credit loss provision to net charge-offs | 102.1824% | 4,431 |
| Earnings coverage of net charge-offs (x) | -0.3573% | 6,392 |
| Efficiency ratio | 155.1097% | 187 |
| Assets per employee ($millions) | 9.3804% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 3,720 |
| Loan loss allowance to noncurrent loans | 15.5036% | 6,967 |
| Noncurrent assets plus other real estate owned to assets | 11.1124% | 340 |
| Noncurrent loans to loans | 10.0900% | 418 |
| Net loans and leases to total assets | 69.6450% | 2,619 |
| Net loans and leases to deposits | 78.5265% | 3,426 |
| Net loans and leases to core deposits | 85.0510% | 3,457 |
| Total domestic deposits to total assets | 88.6898% | 1,829 |
| Equity capital to assets | 3.9193% | 7,511 |
| Core capital (leverage) ratio | 4.0242% | 7,494 |
| Tier 1 risk-based capital ratio | 5.9708% | 7,480 |
| Total risk-based capital ratio | 7.2257% | 7,482 |
| Memoranda: | ||
| Average total assets | $661,128,600 | 1,004 |
| Average earning assets | $607,604,000 | 997 |
| Average equity | $33,513,200 | 1,973 |
| Average total loans | $504,563,200 | 890 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0927% | 7,208 |
| Cost of funding earning assets | 2.0594% | 614 |
| Net interest margin | 2.0333% | 7,571 |
| Noninterest income to average assets | -0.1944% | 7,590 |
| Noninterest expense to average assets | 2.3559% | 6,162 |
| Loan and lease loss provision to assets | 3.2145% | 251 |
| Net operating income to assets | -3.9573% | 7,567 |
| Return on assets (ROA) | -3.6390% | 7,550 |
| Pretax return on assets | -3.5583% | 7,509 |
| Return on Equity (ROE) | -68.1584% | 7,633 |
| Retained earnings to average equity (ytd only) | -68.1584% | 7,632 |
| Net charge-offs to loans | 3.9781% | 309 |
| Credit loss provision to net charge-offs | 104.0965% | 4,122 |
| Earnings coverage of net charge-offs (x) | -0.2144% | 6,182 |
| Efficiency ratio | 135.5681% | 268 |
| Assets per employee ($millions) | 6.7486% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 3,925 |
| Loan loss allowance to noncurrent loans | 12.3520% | 7,136 |
| Noncurrent assets plus other real estate owned to assets | 10.9597% | 332 |
| Noncurrent loans to loans | 12.1994% | 276 |
| Net loans and leases to total assets | 71.5729% | 2,344 |
| Net loans and leases to deposits | 84.3340% | 2,648 |
| Net loans and leases to core deposits | 91.8264% | 2,832 |
| Total domestic deposits to total assets | 84.8683% | 3,684 |
| Equity capital to assets | 3.8167% | 7,649 |
| Core capital (leverage) ratio | 3.7751% | 7,637 |
| Tier 1 risk-based capital ratio | 5.6727% | 7,615 |
| Total risk-based capital ratio | 6.9276% | 7,617 |
| Memoranda: | ||
| Average total assets | $669,289,000 | 999 |
| Average earning assets | $621,511,000 | 981 |
| Average equity | $35,733,500 | 1,873 |
| Average total loans | $519,537,500 | 873 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0944% | 7,289 |
| Cost of funding earning assets | 2.0906% | 680 |
| Net interest margin | 2.0038% | 7,644 |
| Noninterest income to average assets | -0.0176% | 7,563 |
| Noninterest expense to average assets | 2.4122% | 6,036 |
| Loan and lease loss provision to assets | 2.0675% | 595 |
| Net operating income to assets | -2.7553% | 7,468 |
| Return on assets (ROA) | -2.5964% | 7,446 |
| Pretax return on assets | -2.4758% | 7,360 |
| Return on Equity (ROE) | -44.4703% | 7,568 |
| Retained earnings to average equity (ytd only) | -44.4703% | 7,560 |
| Net charge-offs to loans | 2.2734% | 785 |
| Credit loss provision to net charge-offs | 114.7530% | 3,547 |
| Earnings coverage of net charge-offs (x) | -0.3149% | 5,935 |
| Efficiency ratio | 130.7519% | 311 |
| Assets per employee ($millions) | 5.5261% | 1,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 4,034 |
| Loan loss allowance to noncurrent loans | 11.4628% | 7,230 |
| Noncurrent assets plus other real estate owned to assets | 11.5598% | 291 |
| Noncurrent loans to loans | 12.8725% | 236 |
| Net loans and leases to total assets | 74.8948% | 1,719 |
| Net loans and leases to deposits | 91.1398% | 1,672 |
| Net loans and leases to core deposits | 100.9859% | 1,920 |
| Total domestic deposits to total assets | 82.1757% | 4,919 |
| Equity capital to assets | 5.2301% | 7,619 |
| Core capital (leverage) ratio | 5.1408% | 7,588 |
| Tier 1 risk-based capital ratio | 7.3247% | 7,573 |
| Total risk-based capital ratio | 8.5790% | 7,581 |
| Memoranda: | ||
| Average total assets | $671,931,330 | 1,005 |
| Average earning assets | $624,512,330 | 983 |
| Average equity | $39,230,670 | 1,693 |
| Average total loans | $532,517,330 | 861 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1753% | 7,292 |
| Cost of funding earning assets | 2.1097% | 789 |
| Net interest margin | 2.0656% | 7,699 |
| Noninterest income to average assets | 0.0048% | 7,641 |
| Noninterest expense to average assets | 2.4348% | 5,969 |
| Loan and lease loss provision to assets | 2.0553% | 535 |
| Net operating income to assets | -2.8036% | 7,612 |
| Return on assets (ROA) | -2.6248% | 7,579 |
| Pretax return on assets | -2.3843% | 7,496 |
| Return on Equity (ROE) | -42.7461% | 7,664 |
| Retained earnings to average equity (ytd only) | -42.7461% | 7,649 |
| Net charge-offs to loans | 2.5595% | 633 |
| Credit loss provision to net charge-offs | 99.3113% | 3,465 |
| Earnings coverage of net charge-offs (x) | -0.2453% | 5,180 |
| Efficiency ratio | 126.3482% | 375 |
| Assets per employee ($millions) | 4.9825% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 5,283 |
| Loan loss allowance to noncurrent loans | 10.6931% | 7,319 |
| Noncurrent assets plus other real estate owned to assets | 10.8807% | 342 |
| Noncurrent loans to loans | 11.5897% | 316 |
| Net loans and leases to total assets | 77.9917% | 1,154 |
| Net loans and leases to deposits | 96.4151% | 1,062 |
| Net loans and leases to core deposits | 101.2933% | 1,992 |
| Total domestic deposits to total assets | 80.8916% | 5,498 |
| Equity capital to assets | 5.8251% | 7,641 |
| Core capital (leverage) ratio | 5.7497% | 7,617 |
| Tier 1 risk-based capital ratio | 7.8677% | 7,629 |
| Total risk-based capital ratio | 9.1185% | 7,636 |
| Memoranda: | ||
| Average total assets | $673,570,000 | 1,023 |
| Average earning assets | $626,830,000 | 997 |
| Average equity | $41,360,500 | 1,617 |
| Average total loans | $544,632,500 | 861 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8828% | 6,752 |
| Cost of funding earning assets | 2.5683% | 853 |
| Net interest margin | 2.3145% | 7,581 |
| Noninterest income to average assets | 0.1963% | 6,690 |
| Noninterest expense to average assets | 2.7278% | 5,259 |
| Loan and lease loss provision to assets | 1.9726% | 1,103 |
| Net operating income to assets | -1.7136% | 6,968 |
| Return on assets (ROA) | -1.3780% | 6,809 |
| Pretax return on assets | -1.8703% | 6,886 |
| Return on Equity (ROE) | -19.0354% | 7,110 |
| Retained earnings to average equity (ytd only) | -19.0354% | 7,067 |
| Net charge-offs to loans | 1.9458% | 1,274 |
| Credit loss provision to net charge-offs | 114.8051% | 4,763 |
| Earnings coverage of net charge-offs (x) | -0.2044% | 6,450 |
| Efficiency ratio | 114.7743% | 689 |
| Assets per employee ($millions) | 4.9963% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 5,449 |
| Loan loss allowance to noncurrent loans | 12.4590% | 7,324 |
| Noncurrent assets plus other real estate owned to assets | 8.8584% | 455 |
| Noncurrent loans to loans | 9.5037% | 451 |
| Net loans and leases to total assets | 81.7599% | 728 |
| Net loans and leases to deposits | 105.8449% | 559 |
| Net loans and leases to core deposits | 157.0379% | 375 |
| Total domestic deposits to total assets | 77.2450% | 6,400 |
| Equity capital to assets | 6.4550% | 7,570 |
| Core capital (leverage) ratio | 6.3889% | 7,527 |
| Tier 1 risk-based capital ratio | 8.2003% | 7,623 |
| Total risk-based capital ratio | 9.4381% | 7,638 |
| Memoranda: | ||
| Average total assets | $685,192,000 | 1,003 |
| Average earning assets | $645,489,200 | 968 |
| Average equity | $49,602,400 | 1,356 |
| Average total loans | $605,039,600 | 777 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0001% | 6,602 |
| Cost of funding earning assets | 2.6375% | 936 |
| Net interest margin | 2.3626% | 7,589 |
| Noninterest income to average assets | 0.2190% | 6,663 |
| Noninterest expense to average assets | 2.7811% | 4,968 |
| Loan and lease loss provision to assets | 1.8645% | 992 |
| Net operating income to assets | -1.4431% | 7,081 |
| Return on assets (ROA) | -1.0988% | 6,901 |
| Pretax return on assets | -1.6741% | 7,038 |
| Return on Equity (ROE) | -14.7863% | 7,179 |
| Retained earnings to average equity (ytd only) | -14.7863% | 7,121 |
| Net charge-offs to loans | 1.7281% | 1,173 |
| Credit loss provision to net charge-offs | 120.3277% | 4,216 |
| Earnings coverage of net charge-offs (x) | -0.2138% | 6,298 |
| Efficiency ratio | 113.5216% | 704 |
| Assets per employee ($millions) | 4.9937% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 5,657 |
| Loan loss allowance to noncurrent loans | 20.8033% | 7,053 |
| Noncurrent assets plus other real estate owned to assets | 5.5404% | 1,029 |
| Noncurrent loans to loans | 5.3407% | 1,193 |
| Net loans and leases to total assets | 85.6846% | 374 |
| Net loans and leases to deposits | 108.4885% | 529 |
| Net loans and leases to core deposits | 162.2543% | 351 |
| Total domestic deposits to total assets | 78.9804% | 5,810 |
| Equity capital to assets | 7.0349% | 7,578 |
| Core capital (leverage) ratio | 7.0351% | 7,409 |
| Tier 1 risk-based capital ratio | 8.9902% | 7,625 |
| Total risk-based capital ratio | 10.2205% | 7,650 |
| Memoranda: | ||
| Average total assets | $687,865,250 | 1,010 |
| Average earning assets | $649,487,250 | 969 |
| Average equity | $51,118,250 | 1,324 |
| Average total loans | $616,780,000 | 777 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0500% | 6,618 |
| Cost of funding earning assets | 2.6594% | 1,142 |
| Net interest margin | 2.3906% | 7,580 |
| Noninterest income to average assets | 0.2392% | 6,566 |
| Noninterest expense to average assets | 2.6209% | 5,654 |
| Loan and lease loss provision to assets | 0.9378% | 1,800 |
| Net operating income to assets | -0.6789% | 6,733 |
| Return on assets (ROA) | -0.2709% | 6,305 |
| Pretax return on assets | -0.4214% | 6,346 |
| Return on Equity (ROE) | -3.5836% | 6,431 |
| Retained earnings to average equity (ytd only) | -3.5836% | 6,061 |
| Net charge-offs to loans | 0.7099% | 2,280 |
| Credit loss provision to net charge-offs | 145.7361% | 3,175 |
| Earnings coverage of net charge-offs (x) | -0.1881% | 5,873 |
| Efficiency ratio | 104.8411% | 1,003 |
| Assets per employee ($millions) | 5.0181% | 2,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 6,517 |
| Loan loss allowance to noncurrent loans | 19.9525% | 7,129 |
| Noncurrent assets plus other real estate owned to assets | 4.8888% | 1,106 |
| Noncurrent loans to loans | 4.8004% | 1,299 |
| Net loans and leases to total assets | 89.8133% | 142 |
| Net loans and leases to deposits | 115.0916% | 358 |
| Net loans and leases to core deposits | 167.2703% | 354 |
| Total domestic deposits to total assets | 78.0364% | 6,068 |
| Equity capital to assets | 7.6629% | 7,121 |
| Core capital (leverage) ratio | 7.6153% | 6,878 |
| Tier 1 risk-based capital ratio | 9.2162% | 7,588 |
| Total risk-based capital ratio | 10.2679% | 7,704 |
| Memoranda: | ||
| Average total assets | $692,435,000 | 1,015 |
| Average earning assets | $654,808,000 | 973 |
| Average equity | $52,349,000 | 1,296 |
| Average total loans | $627,660,670 | 782 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8982% | 7,182 |
| Cost of funding earning assets | 2.7415% | 1,136 |
| Net interest margin | 2.1567% | 7,823 |
| Noninterest income to average assets | 0.2315% | 6,617 |
| Noninterest expense to average assets | 2.5848% | 5,519 |
| Loan and lease loss provision to assets | 0.9412% | 1,379 |
| Net operating income to assets | -0.7890% | 7,119 |
| Return on assets (ROA) | -0.3080% | 6,767 |
| Pretax return on assets | -0.5006% | 6,819 |
| Return on Equity (ROE) | -4.1014% | 6,899 |
| Retained earnings to average equity (ytd only) | -4.1014% | 6,437 |
| Net charge-offs to loans | 0.8658% | 1,507 |
| Credit loss provision to net charge-offs | 119.9563% | 3,285 |
| Earnings coverage of net charge-offs (x) | -0.3962% | 5,216 |
| Efficiency ratio | 113.6718% | 738 |
| Assets per employee ($millions) | 4.5677% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 6,792 |
| Loan loss allowance to noncurrent loans | 23.2340% | 7,002 |
| Noncurrent assets plus other real estate owned to assets | 4.0909% | 1,245 |
| Noncurrent loans to loans | 3.8352% | 1,602 |
| Net loans and leases to total assets | 89.8871% | 142 |
| Net loans and leases to deposits | 119.9549% | 290 |
| Net loans and leases to core deposits | 172.7691% | 303 |
| Total domestic deposits to total assets | 74.9341% | 6,724 |
| Equity capital to assets | 7.5331% | 7,324 |
| Core capital (leverage) ratio | 7.4876% | 7,172 |
| Tier 1 risk-based capital ratio | 9.0537% | 7,758 |
| Total risk-based capital ratio | 10.0314% | 7,942 |
| Memoranda: | ||
| Average total assets | $699,931,000 | 1,009 |
| Average earning assets | $662,852,000 | 963 |
| Average equity | $52,567,500 | 1,298 |
| Average total loans | $634,332,000 | 782 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2470% | 4,260 |
| Cost of funding earning assets | 3.3273% | 855 |
| Net interest margin | 2.9196% | 7,112 |
| Noninterest income to average assets | 0.2200% | 6,867 |
| Noninterest expense to average assets | 2.6254% | 5,553 |
| Loan and lease loss provision to assets | 0.2993% | 3,978 |
| Net operating income to assets | 0.0300% | 6,282 |
| Return on assets (ROA) | 0.1813% | 5,741 |
| Pretax return on assets | 0.2908% | 5,529 |
| Return on Equity (ROE) | 2.4633% | 5,435 |
| Retained earnings to average equity (ytd only) | 2.4633% | 3,660 |
| Net charge-offs to loans | 0.0975% | 5,350 |
| Credit loss provision to net charge-offs | 341.5011% | 1,327 |
| Earnings coverage of net charge-offs (x) | 4.0353% | 4,135 |
| Efficiency ratio | 88.1268% | 1,669 |
| Assets per employee ($millions) | 4.6419% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8352% | 6,958 |
| Loan loss allowance to noncurrent loans | 74.4871% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.4689% | 3,283 |
| Noncurrent loans to loans | 1.1213% | 4,306 |
| Net loans and leases to total assets | 89.8050% | 209 |
| Net loans and leases to deposits | 123.4388% | 309 |
| Net loans and leases to core deposits | 180.5488% | 280 |
| Total domestic deposits to total assets | 72.7526% | 6,875 |
| Equity capital to assets | 7.4880% | 7,388 |
| Core capital (leverage) ratio | 7.4441% | 7,268 |
| Tier 1 risk-based capital ratio | 9.1090% | 7,708 |
| Total risk-based capital ratio | 10.0351% | 7,979 |
| Memoranda: | ||
| Average total assets | $516,791,600 | 1,303 |
| Average earning assets | $488,382,000 | 1,260 |
| Average equity | $38,038,600 | 1,776 |
| Average total loans | $464,574,000 | 1,045 |