Home > Polk County Bank > Performance and Condition Ratios
Polk County 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 | 4.8242% | 3,921 |
| Cost of funding earning assets | 0.9924% | 3,736 |
| Net interest margin | 3.8318% | 3,708 |
| Noninterest income to average assets | 1.4508% | 624 |
| Noninterest expense to average assets | 6.0563% | 194 |
| Loan and lease loss provision to assets | 1.5591% | 429 |
| Net operating income to assets | -3.1046% | 7,276 |
| Return on assets (ROA) | -3.1046% | 7,284 |
| Pretax return on assets | -3.0816% | 7,277 |
| Return on Equity (ROE) | -131.6230% | 7,402 |
| Retained earnings to average equity (ytd only) | -131.6230% | 7,402 |
| Net charge-offs to loans | 1.3112% | 1,175 |
| Credit loss provision to net charge-offs | 199.3080% | 1,469 |
| Earnings coverage of net charge-offs (x) | -1.9464% | 6,016 |
| Efficiency ratio | 133.5821% | 209 |
| Assets per employee ($millions) | 2.7752% | 6,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1689% | 351 |
| Loan loss allowance to noncurrent loans | 47.3511% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 16.5189% | 96 |
| Noncurrent loans to loans | 8.8043% | 462 |
| Net loans and leases to total assets | 57.6556% | 4,558 |
| Net loans and leases to deposits | 64.4174% | 5,115 |
| Net loans and leases to core deposits | 64.4174% | 5,571 |
| Total domestic deposits to total assets | 89.5032% | 1,143 |
| Equity capital to assets | 1.6456% | 7,413 |
| Core capital (leverage) ratio | 1.3527% | 7,415 |
| Tier 1 risk-based capital ratio | 1.8187% | 7,416 |
| Total risk-based capital ratio | 3.0925% | 7,416 |
| Memoranda: | ||
| Average total assets | $98,518,250 | 4,966 |
| Average earning assets | $79,264,750 | 5,291 |
| Average equity | $2,323,750 | 7,229 |
| Average total loans | $58,772,500 | 4,956 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8233% | 3,984 |
| Cost of funding earning assets | 1.0172% | 3,835 |
| Net interest margin | 3.8060% | 3,753 |
| Noninterest income to average assets | 1.2913% | 754 |
| Noninterest expense to average assets | 5.8712% | 212 |
| Loan and lease loss provision to assets | 2.2850% | 243 |
| Net operating income to assets | -3.8262% | 7,381 |
| Return on assets (ROA) | -3.8262% | 7,382 |
| Pretax return on assets | -3.7925% | 7,375 |
| Return on Equity (ROE) | -148.6133% | 7,469 |
| Retained earnings to average equity (ytd only) | -148.6133% | 7,469 |
| Net charge-offs to loans | 1.7234% | 830 |
| Credit loss provision to net charge-offs | 222.8240% | 1,344 |
| Earnings coverage of net charge-offs (x) | -1.4700% | 5,681 |
| Efficiency ratio | 134.5455% | 230 |
| Assets per employee ($millions) | 2.9964% | 6,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1200% | 378 |
| Loan loss allowance to noncurrent loans | 36.0826% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 17.2168% | 102 |
| Noncurrent loans to loans | 11.4182% | 290 |
| Net loans and leases to total assets | 55.4966% | 5,068 |
| Net loans and leases to deposits | 63.8564% | 5,293 |
| Net loans and leases to core deposits | 63.8564% | 5,734 |
| Total domestic deposits to total assets | 86.9084% | 2,795 |
| Equity capital to assets | 1.8780% | 7,480 |
| Core capital (leverage) ratio | 1.7070% | 7,481 |
| Tier 1 risk-based capital ratio | 2.6011% | 7,476 |
| Total risk-based capital ratio | 3.8947% | 7,476 |
| Memoranda: | ||
| Average total assets | $100,831,000 | 4,940 |
| Average earning assets | $81,397,000 | 5,283 |
| Average equity | $2,596,000 | 7,225 |
| Average total loans | $59,997,330 | 4,958 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8627% | 3,760 |
| Cost of funding earning assets | 1.1147% | 3,424 |
| Net interest margin | 3.7481% | 3,848 |
| Noninterest income to average assets | 1.7759% | 430 |
| Noninterest expense to average assets | 6.0546% | 192 |
| Loan and lease loss provision to assets | 4.0272% | 102 |
| Net operating income to assets | -5.4771% | 7,499 |
| Return on assets (ROA) | -5.4771% | 7,499 |
| Pretax return on assets | -5.2806% | 7,488 |
| Return on Equity (ROE) | -188.0290% | 7,535 |
| Retained earnings to average equity (ytd only) | -188.0290% | 7,531 |
| Net charge-offs to loans | 2.9391% | 370 |
| Credit loss provision to net charge-offs | 227.2727% | 1,343 |
| Earnings coverage of net charge-offs (x) | -0.7073% | 4,852 |
| Efficiency ratio | 126.1047% | 290 |
| Assets per employee ($millions) | 2.8180% | 6,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9319% | 437 |
| Loan loss allowance to noncurrent loans | 30.6512% | 6,262 |
| Noncurrent assets plus other real estate owned to assets | 18.5979% | 79 |
| Noncurrent loans to loans | 12.8280% | 236 |
| Net loans and leases to total assets | 55.3215% | 5,104 |
| Net loans and leases to deposits | 64.0224% | 5,250 |
| Net loans and leases to core deposits | 64.0224% | 5,726 |
| Total domestic deposits to total assets | 86.4097% | 3,286 |
| Equity capital to assets | 2.2337% | 7,518 |
| Core capital (leverage) ratio | 2.1693% | 7,520 |
| Tier 1 risk-based capital ratio | 3.2657% | 7,511 |
| Total risk-based capital ratio | 4.5555% | 7,511 |
| Memoranda: | ||
| Average total assets | $101,806,500 | 4,949 |
| Average earning assets | $82,176,000 | 5,294 |
| Average equity | $2,965,500 | 7,177 |
| Average total loans | $61,379,500 | 4,938 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3086% | 3,092 |
| Cost of funding earning assets | 1.3983% | 3,279 |
| Net interest margin | 3.9103% | 3,436 |
| Noninterest income to average assets | -0.4618% | 7,559 |
| Noninterest expense to average assets | 4.9934% | 415 |
| Loan and lease loss provision to assets | 0.3293% | 4,178 |
| Net operating income to assets | -2.5753% | 7,198 |
| Return on assets (ROA) | -2.5753% | 7,219 |
| Pretax return on assets | -2.5753% | 7,189 |
| Return on Equity (ROE) | -55.4233% | 7,454 |
| Retained earnings to average equity (ytd only) | -55.4233% | 7,451 |
| Net charge-offs to loans | 2.2129% | 881 |
| Credit loss provision to net charge-offs | 23.1339% | 6,538 |
| Earnings coverage of net charge-offs (x) | -1.5780% | 6,681 |
| Efficiency ratio | 181.7514% | 117 |
| Assets per employee ($millions) | 2.8379% | 6,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6780% | 1,196 |
| Loan loss allowance to noncurrent loans | 24.2676% | 6,642 |
| Noncurrent assets plus other real estate owned to assets | 16.3185% | 129 |
| Noncurrent loans to loans | 11.0351% | 353 |
| Net loans and leases to total assets | 61.2895% | 4,442 |
| Net loans and leases to deposits | 71.7525% | 4,562 |
| Net loans and leases to core deposits | 74.9168% | 4,858 |
| Total domestic deposits to total assets | 85.4178% | 3,653 |
| Equity capital to assets | 3.5873% | 7,527 |
| Core capital (leverage) ratio | 3.4746% | 7,532 |
| Tier 1 risk-based capital ratio | 5.0203% | 7,522 |
| Total risk-based capital ratio | 6.2945% | 7,524 |
| Memoranda: | ||
| Average total assets | $113,890,600 | 4,618 |
| Average earning assets | $93,470,600 | 4,904 |
| Average equity | $5,292,000 | 6,567 |
| Average total loans | $73,252,600 | 4,558 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3098% | 3,304 |
| Cost of funding earning assets | 1.4513% | 3,269 |
| Net interest margin | 3.8585% | 3,720 |
| Noninterest income to average assets | -0.4029% | 7,657 |
| Noninterest expense to average assets | 4.8597% | 422 |
| Loan and lease loss provision to assets | 0.3139% | 4,068 |
| Net operating income to assets | -2.4025% | 7,328 |
| Return on assets (ROA) | -2.4025% | 7,341 |
| Pretax return on assets | -2.4025% | 7,298 |
| Return on Equity (ROE) | -49.2494% | 7,556 |
| Retained earnings to average equity (ytd only) | -49.2494% | 7,553 |
| Net charge-offs to loans | 2.1691% | 846 |
| Credit loss provision to net charge-offs | 22.3941% | 6,223 |
| Earnings coverage of net charge-offs (x) | -1.4902% | 6,505 |
| Efficiency ratio | 175.3707% | 123 |
| Assets per employee ($millions) | 3.0435% | 6,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9405% | 866 |
| Loan loss allowance to noncurrent loans | 30.6430% | 6,300 |
| Noncurrent assets plus other real estate owned to assets | 15.2640% | 150 |
| Noncurrent loans to loans | 9.5960% | 466 |
| Net loans and leases to total assets | 60.7347% | 4,772 |
| Net loans and leases to deposits | 70.6795% | 5,054 |
| Net loans and leases to core deposits | 76.6133% | 4,976 |
| Total domestic deposits to total assets | 85.9298% | 3,116 |
| Equity capital to assets | 4.1984% | 7,630 |
| Core capital (leverage) ratio | 3.9655% | 7,624 |
| Tier 1 risk-based capital ratio | 5.8469% | 7,609 |
| Total risk-based capital ratio | 7.1244% | 7,612 |
| Memoranda: | ||
| Average total assets | $116,821,750 | 4,615 |
| Average earning assets | $96,097,500 | 4,888 |
| Average equity | $5,698,750 | 6,540 |
| Average total loans | $75,480,750 | 4,541 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2906% | 3,514 |
| Cost of funding earning assets | 1.4286% | 3,679 |
| Net interest margin | 3.8620% | 3,626 |
| Noninterest income to average assets | -0.7380% | 7,776 |
| Noninterest expense to average assets | 4.7802% | 444 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -2.3398% | 7,382 |
| Return on assets (ROA) | -2.3398% | 7,399 |
| Pretax return on assets | -2.3398% | 7,331 |
| Return on Equity (ROE) | -46.0016% | 7,584 |
| Retained earnings to average equity (ytd only) | -46.0016% | 7,579 |
| Net charge-offs to loans | 1.1570% | 1,637 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -3.1000% | 6,260 |
| Efficiency ratio | 195.8763% | 105 |
| Assets per employee ($millions) | 3.9464% | 3,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4088% | 590 |
| Loan loss allowance to noncurrent loans | 35.5942% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 14.8759% | 151 |
| Noncurrent loans to loans | 9.5767% | 480 |
| Net loans and leases to total assets | 62.3686% | 4,609 |
| Net loans and leases to deposits | 73.4072% | 4,769 |
| Net loans and leases to core deposits | 79.3585% | 4,766 |
| Total domestic deposits to total assets | 84.9625% | 3,650 |
| Equity capital to assets | 4.5908% | 7,660 |
| Core capital (leverage) ratio | 4.4131% | 7,657 |
| Tier 1 risk-based capital ratio | 6.4236% | 7,641 |
| Total risk-based capital ratio | 7.7083% | 7,643 |
| Memoranda: | ||
| Average total assets | $119,240,670 | 4,587 |
| Average earning assets | $98,136,000 | 4,870 |
| Average equity | $6,065,000 | 6,451 |
| Average total loans | $77,787,670 | 4,513 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5047% | 2,558 |
| Cost of funding earning assets | 1.5912% | 3,013 |
| Net interest margin | 3.9136% | 3,265 |
| Noninterest income to average assets | 0.5360% | 3,769 |
| Noninterest expense to average assets | 5.0577% | 354 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.3187% | 7,259 |
| Return on assets (ROA) | -1.3187% | 7,272 |
| Pretax return on assets | -1.3187% | 7,187 |
| Return on Equity (ROE) | -24.7894% | 7,499 |
| Retained earnings to average equity (ytd only) | -24.7894% | 7,457 |
| Net charge-offs to loans | 1.6355% | 1,065 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -1.2301% | 5,408 |
| Efficiency ratio | 135.2682% | 290 |
| Assets per employee ($millions) | 3.6862% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3833% | 592 |
| Loan loss allowance to noncurrent loans | 31.2043% | 6,331 |
| Noncurrent assets plus other real estate owned to assets | 16.3995% | 107 |
| Noncurrent loans to loans | 10.8426% | 368 |
| Net loans and leases to total assets | 62.0458% | 4,740 |
| Net loans and leases to deposits | 73.5624% | 4,816 |
| Net loans and leases to core deposits | 79.1906% | 4,869 |
| Total domestic deposits to total assets | 84.3445% | 3,977 |
| Equity capital to assets | 5.1470% | 7,709 |
| Core capital (leverage) ratio | 5.1312% | 7,692 |
| Tier 1 risk-based capital ratio | 6.8958% | 7,706 |
| Total risk-based capital ratio | 8.1756% | 7,707 |
| Memoranda: | ||
| Average total assets | $121,637,500 | 4,591 |
| Average earning assets | $99,550,500 | 4,890 |
| Average equity | $6,470,500 | 6,356 |
| Average total loans | $79,732,500 | 4,517 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2320% | 5,503 |
| Cost of funding earning assets | 2.0879% | 2,522 |
| Net interest margin | 3.1441% | 6,248 |
| Noninterest income to average assets | 0.6227% | 3,472 |
| Noninterest expense to average assets | 5.0435% | 503 |
| Loan and lease loss provision to assets | 3.1459% | 533 |
| Net operating income to assets | -4.8863% | 7,732 |
| Return on assets (ROA) | -4.8863% | 7,730 |
| Pretax return on assets | -4.8898% | 7,688 |
| Return on Equity (ROE) | -68.3018% | 7,799 |
| Retained earnings to average equity (ytd only) | -68.3018% | 7,797 |
| Net charge-offs to loans | 3.1896% | 642 |
| Credit loss provision to net charge-offs | 136.5337% | 3,617 |
| Earnings coverage of net charge-offs (x) | -0.7569% | 6,831 |
| Efficiency ratio | 152.8515% | 298 |
| Assets per employee ($millions) | 3.2873% | 5,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6498% | 465 |
| Loan loss allowance to noncurrent loans | 31.7133% | 6,345 |
| Noncurrent assets plus other real estate owned to assets | 16.7655% | 102 |
| Noncurrent loans to loans | 11.5087% | 309 |
| Net loans and leases to total assets | 64.4392% | 4,505 |
| Net loans and leases to deposits | 79.6104% | 4,064 |
| Net loans and leases to core deposits | 91.5877% | 4,940 |
| Total domestic deposits to total assets | 80.9432% | 5,360 |
| Equity capital to assets | 5.4920% | 7,735 |
| Core capital (leverage) ratio | 5.2030% | 7,744 |
| Tier 1 risk-based capital ratio | 7.1300% | 7,734 |
| Total risk-based capital ratio | 8.4145% | 7,737 |
| Memoranda: | ||
| Average total assets | $139,227,400 | 4,139 |
| Average earning assets | $118,539,600 | 4,338 |
| Average equity | $9,960,200 | 5,304 |
| Average total loans | $100,577,200 | 3,928 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1816% | 5,956 |
| Cost of funding earning assets | 2.1351% | 2,728 |
| Net interest margin | 3.0466% | 6,473 |
| Noninterest income to average assets | 1.1233% | 1,253 |
| Noninterest expense to average assets | 4.6852% | 619 |
| Loan and lease loss provision to assets | 4.0660% | 294 |
| Net operating income to assets | -5.0045% | 7,841 |
| Return on assets (ROA) | -5.0045% | 7,843 |
| Pretax return on assets | -5.0092% | 7,811 |
| Return on Equity (ROE) | -66.6758% | 7,921 |
| Retained earnings to average equity (ytd only) | -66.6758% | 7,917 |
| Net charge-offs to loans | 3.4020% | 445 |
| Credit loss provision to net charge-offs | 162.8858% | 2,897 |
| Earnings coverage of net charge-offs (x) | -0.3778% | 6,409 |
| Efficiency ratio | 125.2047% | 528 |
| Assets per employee ($millions) | 3.1015% | 5,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8615% | 325 |
| Loan loss allowance to noncurrent loans | 24.4617% | 6,813 |
| Noncurrent assets plus other real estate owned to assets | 16.8420% | 83 |
| Noncurrent loans to loans | 15.7860% | 127 |
| Net loans and leases to total assets | 66.6639% | 4,271 |
| Net loans and leases to deposits | 82.1359% | 3,996 |
| Net loans and leases to core deposits | 98.0500% | 4,594 |
| Total domestic deposits to total assets | 81.1629% | 5,012 |
| Equity capital to assets | 6.2381% | 7,818 |
| Core capital (leverage) ratio | 5.7522% | 7,841 |
| Tier 1 risk-based capital ratio | 8.4917% | 7,730 |
| Total risk-based capital ratio | 9.7799% | 7,753 |
| Memoranda: | ||
| Average total assets | $143,626,500 | 4,075 |
| Average earning assets | $123,458,250 | 4,260 |
| Average equity | $10,780,250 | 5,119 |
| Average total loans | $105,384,750 | 3,839 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2813% | 5,742 |
| Cost of funding earning assets | 2.1734% | 2,914 |
| Net interest margin | 3.1080% | 6,209 |
| Noninterest income to average assets | 0.6402% | 3,418 |
| Noninterest expense to average assets | 4.3665% | 879 |
| Loan and lease loss provision to assets | 5.9157% | 143 |
| Net operating income to assets | -6.9449% | 8,047 |
| Return on assets (ROA) | -6.9449% | 8,041 |
| Pretax return on assets | -6.9516% | 8,023 |
| Return on Equity (ROE) | -88.1612% | 8,059 |
| Retained earnings to average equity (ytd only) | -88.1612% | 8,056 |
| Net charge-offs to loans | 4.4690% | 292 |
| Credit loss provision to net charge-offs | 177.5436% | 2,582 |
| Earnings coverage of net charge-offs (x) | -0.3109% | 5,961 |
| Efficiency ratio | 131.1030% | 517 |
| Assets per employee ($millions) | 3.2374% | 5,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6745% | 329 |
| Loan loss allowance to noncurrent loans | 20.6226% | 7,089 |
| Noncurrent assets plus other real estate owned to assets | 15.6375% | 92 |
| Noncurrent loans to loans | 17.8179% | 77 |
| Net loans and leases to total assets | 69.8628% | 3,736 |
| Net loans and leases to deposits | 85.5502% | 3,635 |
| Net loans and leases to core deposits | 104.8051% | 3,978 |
| Total domestic deposits to total assets | 81.6630% | 4,826 |
| Equity capital to assets | 6.0111% | 7,927 |
| Core capital (leverage) ratio | 5.6931% | 7,965 |
| Tier 1 risk-based capital ratio | 8.0471% | 7,909 |
| Total risk-based capital ratio | 9.3358% | 7,927 |
| Memoranda: | ||
| Average total assets | $148,080,670 | 4,028 |
| Average earning assets | $128,187,330 | 4,184 |
| Average equity | $11,665,000 | 4,896 |
| Average total loans | $110,404,000 | 3,756 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1052% | 6,629 |
| Cost of funding earning assets | 2.2532% | 2,908 |
| Net interest margin | 2.8519% | 6,871 |
| Noninterest income to average assets | 0.7842% | 2,404 |
| Noninterest expense to average assets | 3.6036% | 1,858 |
| Loan and lease loss provision to assets | 0.6294% | 2,008 |
| Net operating income to assets | -0.9625% | 7,231 |
| Return on assets (ROA) | -0.9625% | 7,254 |
| Pretax return on assets | -0.9625% | 7,136 |
| Return on Equity (ROE) | -11.0264% | 7,428 |
| Retained earnings to average equity (ytd only) | -11.0264% | 7,205 |
| Net charge-offs to loans | 1.9701% | 730 |
| Credit loss provision to net charge-offs | 42.3280% | 4,787 |
| Earnings coverage of net charge-offs (x) | -0.2240% | 5,149 |
| Efficiency ratio | 110.1844% | 804 |
| Assets per employee ($millions) | 3.6787% | 4,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 3,960 |
| Loan loss allowance to noncurrent loans | 7.6225% | 7,534 |
| Noncurrent assets plus other real estate owned to assets | 14.7758% | 82 |
| Noncurrent loans to loans | 17.3177% | 60 |
| Net loans and leases to total assets | 72.8578% | 3,039 |
| Net loans and leases to deposits | 91.3869% | 2,712 |
| Net loans and leases to core deposits | 116.1714% | 2,789 |
| Total domestic deposits to total assets | 79.7246% | 5,455 |
| Equity capital to assets | 8.7099% | 5,752 |
| Core capital (leverage) ratio | 8.5130% | 5,507 |
| Tier 1 risk-based capital ratio | 11.5207% | 5,392 |
| Total risk-based capital ratio | 12.7778% | 5,277 |
| Memoranda: | ||
| Average total assets | $152,516,000 | 3,969 |
| Average earning assets | $132,963,500 | 4,090 |
| Average equity | $13,313,500 | 4,500 |
| Average total loans | $115,123,000 | 3,669 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6804% | 2,102 |
| Cost of funding earning assets | 2.8642% | 2,420 |
| Net interest margin | 3.8162% | 3,952 |
| Noninterest income to average assets | 0.3235% | 6,136 |
| Noninterest expense to average assets | 3.7790% | 1,793 |
| Loan and lease loss provision to assets | 1.7922% | 703 |
| Net operating income to assets | -1.7838% | 7,552 |
| Return on assets (ROA) | -1.7838% | 7,506 |
| Pretax return on assets | -1.8573% | 7,394 |
| Return on Equity (ROE) | -20.2961% | 7,766 |
| Retained earnings to average equity (ytd only) | -23.5040% | 7,774 |
| Net charge-offs to loans | 2.6240% | 355 |
| Credit loss provision to net charge-offs | 83.5909% | 5,819 |
| Earnings coverage of net charge-offs (x) | -0.0303% | 6,265 |
| Efficiency ratio | 101.7518% | 920 |
| Assets per employee ($millions) | 3.6715% | 4,234 |
| Cash dividends to net income (ytd only)* | -15.8055% | 7,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 2,617 |
| Loan loss allowance to noncurrent loans | 12.9804% | 7,451 |
| Noncurrent assets plus other real estate owned to assets | 9.6761% | 180 |
| Noncurrent loans to loans | 11.6448% | 141 |
| Net loans and leases to total assets | 75.9312% | 2,643 |
| Net loans and leases to deposits | 96.9192% | 2,302 |
| Net loans and leases to core deposits | 131.0204% | 1,778 |
| Total domestic deposits to total assets | 78.3449% | 5,595 |
| Equity capital to assets | 8.7482% | 5,734 |
| Core capital (leverage) ratio | 8.2263% | 6,114 |
| Tier 1 risk-based capital ratio | 11.4851% | 5,248 |
| Total risk-based capital ratio | 12.7469% | 5,136 |
| Memoranda: | ||
| Average total assets | $165,996,000 | 3,613 |
| Average earning assets | $147,476,400 | 3,699 |
| Average equity | $14,589,000 | 4,224 |
| Average total loans | $135,633,800 | 3,167 |