Home > Premier Community Bank of the Emerald Coast > Performance and Condition Ratios
Premier Community Bank of the Emerald Coast, 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 | 4.4890% | 5,284 |
| Cost of funding earning assets | 1.6461% | 485 |
| Net interest margin | 2.8429% | 6,836 |
| Noninterest income to average assets | 0.1749% | 6,334 |
| Noninterest expense to average assets | 3.9383% | 1,089 |
| Loan and lease loss provision to assets | 2.9905% | 112 |
| Net operating income to assets | -4.1987% | 7,341 |
| Return on assets (ROA) | -4.1920% | 7,344 |
| Pretax return on assets | -4.1920% | 7,344 |
| Return on Equity (ROE) | -469.5756% | 7,433 |
| Retained earnings to average equity (ytd only) | -469.5756% | 7,433 |
| Net charge-offs to loans | 13.3668% | 5 |
| Credit loss provision to net charge-offs | 31.3830% | 5,392 |
| Earnings coverage of net charge-offs (x) | -0.1268% | 5,680 |
| Efficiency ratio | 144.2606% | 165 |
| Assets per employee ($millions) | 5.4772% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5658% | 536 |
| Loan loss allowance to noncurrent loans | 21.4660% | 6,634 |
| Noncurrent assets plus other real estate owned to assets | 14.9870% | 132 |
| Noncurrent loans to loans | 16.6116% | 98 |
| Net loans and leases to total assets | 64.1876% | 3,269 |
| Net loans and leases to deposits | 72.1651% | 3,959 |
| Net loans and leases to core deposits | 72.1651% | 4,694 |
| Total domestic deposits to total assets | 88.9455% | 1,457 |
| Equity capital to assets | -0.8565% | 7,434 |
| Core capital (leverage) ratio | -0.9015% | 7,434 |
| Tier 1 risk-based capital ratio | -1.3367% | 7,434 |
| Total risk-based capital ratio | -1.3367% | 7,434 |
| Memoranda: | ||
| Average total assets | $138,704,500 | 4,026 |
| Average earning assets | $124,657,000 | 4,071 |
| Average equity | $1,238,250 | 7,387 |
| Average total loans | $98,879,000 | 3,671 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3826% | 5,756 |
| Cost of funding earning assets | 1.7502% | 386 |
| Net interest margin | 2.6323% | 7,095 |
| Noninterest income to average assets | 0.2183% | 6,105 |
| Noninterest expense to average assets | 3.3691% | 2,344 |
| Loan and lease loss provision to assets | 3.6489% | 94 |
| Net operating income to assets | -4.4324% | 7,417 |
| Return on assets (ROA) | -4.4226% | 7,420 |
| Pretax return on assets | -4.4226% | 7,413 |
| Return on Equity (ROE) | -314.4226% | 7,500 |
| Retained earnings to average equity (ytd only) | -314.4226% | 7,500 |
| Net charge-offs to loans | 16.0653% | 3 |
| Credit loss provision to net charge-offs | 31.2522% | 4,968 |
| Earnings coverage of net charge-offs (x) | -0.0671% | 5,319 |
| Efficiency ratio | 130.3030% | 255 |
| Assets per employee ($millions) | 6.3626% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3799% | 308 |
| Loan loss allowance to noncurrent loans | 33.0399% | 6,089 |
| Noncurrent assets plus other real estate owned to assets | 12.5563% | 230 |
| Noncurrent loans to loans | 13.2564% | 194 |
| Net loans and leases to total assets | 63.2278% | 3,635 |
| Net loans and leases to deposits | 72.9186% | 3,967 |
| Net loans and leases to core deposits | 73.5354% | 4,635 |
| Total domestic deposits to total assets | 86.7101% | 2,916 |
| Equity capital to assets | -0.0929% | 7,509 |
| Core capital (leverage) ratio | -0.0379% | 7,507 |
| Tier 1 risk-based capital ratio | -0.0564% | 7,507 |
| Total risk-based capital ratio | -0.0564% | 7,507 |
| Memoranda: | ||
| Average total assets | $142,947,330 | 3,977 |
| Average earning assets | $128,554,670 | 4,023 |
| Average equity | $2,010,670 | 7,345 |
| Average total loans | $103,888,330 | 3,585 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3500% | 5,852 |
| Cost of funding earning assets | 1.9049% | 241 |
| Net interest margin | 2.4452% | 7,233 |
| Noninterest income to average assets | 0.2049% | 6,263 |
| Noninterest expense to average assets | 3.0547% | 3,442 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.6564% | 6,896 |
| Return on assets (ROA) | -0.6370% | 6,893 |
| Pretax return on assets | -0.6370% | 6,837 |
| Return on Equity (ROE) | -29.8604% | 7,317 |
| Retained earnings to average equity (ytd only) | -29.8604% | 7,291 |
| Net charge-offs to loans | 2.7347% | 398 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.3164% | 4,736 |
| Efficiency ratio | 127.3672% | 278 |
| Assets per employee ($millions) | 6.0935% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3794% | 34 |
| Loan loss allowance to noncurrent loans | 61.8637% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 14.0449% | 179 |
| Noncurrent loans to loans | 13.5450% | 204 |
| Net loans and leases to total assets | 67.6023% | 2,636 |
| Net loans and leases to deposits | 79.3154% | 2,842 |
| Net loans and leases to core deposits | 79.9659% | 3,765 |
| Total domestic deposits to total assets | 85.2323% | 3,932 |
| Equity capital to assets | 2.0329% | 7,533 |
| Core capital (leverage) ratio | 2.2200% | 7,516 |
| Tier 1 risk-based capital ratio | 3.0285% | 7,521 |
| Total risk-based capital ratio | 4.3675% | 7,520 |
| Memoranda: | ||
| Average total assets | $144,432,000 | 3,985 |
| Average earning assets | $129,562,500 | 4,035 |
| Average equity | $3,081,000 | 7,147 |
| Average total loans | $109,553,000 | 3,508 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6944% | 5,821 |
| Cost of funding earning assets | 2.2540% | 250 |
| Net interest margin | 2.4404% | 7,305 |
| Noninterest income to average assets | 0.2341% | 6,130 |
| Noninterest expense to average assets | 2.5938% | 5,446 |
| Loan and lease loss provision to assets | 7.7863% | 18 |
| Net operating income to assets | -9.0290% | 7,631 |
| Return on assets (ROA) | -9.0290% | 7,632 |
| Pretax return on assets | -7.9618% | 7,620 |
| Return on Equity (ROE) | -97.9922% | 7,590 |
| Retained earnings to average equity (ytd only) | -97.9922% | 7,590 |
| Net charge-offs to loans | 4.6523% | 216 |
| Credit loss provision to net charge-offs | 236.7777% | 1,234 |
| Earnings coverage of net charge-offs (x) | -0.0534% | 6,177 |
| Efficiency ratio | 107.2600% | 594 |
| Assets per employee ($millions) | 5.7048% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8049% | 30 |
| Loan loss allowance to noncurrent loans | 81.1790% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 12.1940% | 268 |
| Noncurrent loans to loans | 10.8463% | 362 |
| Net loans and leases to total assets | 71.1041% | 2,281 |
| Net loans and leases to deposits | 84.6470% | 2,348 |
| Net loans and leases to core deposits | 85.3610% | 3,422 |
| Total domestic deposits to total assets | 84.0007% | 4,365 |
| Equity capital to assets | 2.2360% | 7,606 |
| Core capital (leverage) ratio | 2.2078% | 7,602 |
| Tier 1 risk-based capital ratio | 3.1135% | 7,600 |
| Total risk-based capital ratio | 4.4570% | 7,598 |
| Memoranda: | ||
| Average total assets | $158,920,400 | 3,718 |
| Average earning assets | $142,233,000 | 3,776 |
| Average equity | $14,643,000 | 4,005 |
| Average total loans | $112,331,400 | 3,487 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7898% | 5,706 |
| Cost of funding earning assets | 2.2670% | 304 |
| Net interest margin | 2.5227% | 7,360 |
| Noninterest income to average assets | 0.1464% | 6,815 |
| Noninterest expense to average assets | 2.2487% | 6,471 |
| Loan and lease loss provision to assets | 0.8875% | 1,711 |
| Net operating income to assets | -0.5112% | 6,597 |
| Return on assets (ROA) | -0.5112% | 6,647 |
| Pretax return on assets | -0.7305% | 6,700 |
| Return on Equity (ROE) | -4.7600% | 6,632 |
| Retained earnings to average equity (ytd only) | -4.7600% | 6,538 |
| Net charge-offs to loans | 1.0857% | 1,874 |
| Credit loss provision to net charge-offs | 118.3206% | 3,507 |
| Earnings coverage of net charge-offs (x) | 0.2094% | 5,803 |
| Efficiency ratio | 93.4716% | 1,029 |
| Assets per employee ($millions) | 6.5377% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4263% | 1,440 |
| Loan loss allowance to noncurrent loans | 21.7627% | 6,830 |
| Noncurrent assets plus other real estate owned to assets | 10.0690% | 403 |
| Noncurrent loans to loans | 11.1491% | 337 |
| Net loans and leases to total assets | 69.1385% | 2,950 |
| Net loans and leases to deposits | 89.3311% | 1,813 |
| Net loans and leases to core deposits | 90.0831% | 3,078 |
| Total domestic deposits to total assets | 77.3958% | 6,391 |
| Equity capital to assets | 10.5700% | 3,445 |
| Core capital (leverage) ratio | 9.9839% | 3,275 |
| Tier 1 risk-based capital ratio | 12.1978% | 5,271 |
| Total risk-based capital ratio | 13.2862% | 5,396 |
| Memoranda: | ||
| Average total assets | $162,995,750 | 3,694 |
| Average earning assets | $145,974,750 | 3,751 |
| Average equity | $17,506,500 | 3,555 |
| Average total loans | $112,614,500 | 3,540 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9972% | 4,955 |
| Cost of funding earning assets | 2.3248% | 313 |
| Net interest margin | 2.6724% | 7,283 |
| Noninterest income to average assets | 0.0860% | 7,150 |
| Noninterest expense to average assets | 2.3716% | 6,145 |
| Loan and lease loss provision to assets | 0.8413% | 1,729 |
| Net operating income to assets | -0.3991% | 6,566 |
| Return on assets (ROA) | -0.3991% | 6,605 |
| Pretax return on assets | -0.7479% | 6,752 |
| Return on Equity (ROE) | -3.6967% | 6,589 |
| Retained earnings to average equity (ytd only) | -3.6967% | 6,402 |
| Net charge-offs to loans | 1.4523% | 1,313 |
| Credit loss provision to net charge-offs | 84.5679% | 4,578 |
| Earnings coverage of net charge-offs (x) | 0.0938% | 5,631 |
| Efficiency ratio | 96.2133% | 954 |
| Assets per employee ($millions) | 7.2146% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2239% | 1,714 |
| Loan loss allowance to noncurrent loans | 47.3308% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 6.7038% | 816 |
| Noncurrent loans to loans | 4.6986% | 1,513 |
| Net loans and leases to total assets | 66.7171% | 3,682 |
| Net loans and leases to deposits | 88.0507% | 2,159 |
| Net loans and leases to core deposits | 90.0079% | 3,261 |
| Total domestic deposits to total assets | 75.7712% | 6,734 |
| Equity capital to assets | 10.5752% | 3,317 |
| Core capital (leverage) ratio | 10.1231% | 3,033 |
| Tier 1 risk-based capital ratio | 12.5794% | 4,787 |
| Total risk-based capital ratio | 13.8379% | 4,754 |
| Memoranda: | ||
| Average total assets | $162,846,670 | 3,725 |
| Average earning assets | $144,961,670 | 3,797 |
| Average equity | $17,583,330 | 3,534 |
| Average total loans | $111,548,670 | 3,596 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8713% | 5,604 |
| Cost of funding earning assets | 2.3742% | 327 |
| Net interest margin | 2.4971% | 7,477 |
| Noninterest income to average assets | 0.1860% | 6,627 |
| Noninterest expense to average assets | 2.3037% | 6,365 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1339% | 5,910 |
| Return on assets (ROA) | 0.1339% | 6,034 |
| Pretax return on assets | 0.0992% | 6,133 |
| Return on Equity (ROE) | 1.2272% | 6,052 |
| Retained earnings to average equity (ytd only) | 1.2272% | 5,325 |
| Net charge-offs to loans | -0.0072% | 6,848 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8720% | 1,033 |
| Assets per employee ($millions) | 7.4191% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3399% | 1,517 |
| Loan loss allowance to noncurrent loans | 49.5317% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 6.1579% | 952 |
| Noncurrent loans to loans | 4.7240% | 1,562 |
| Net loans and leases to total assets | 67.6100% | 3,483 |
| Net loans and leases to deposits | 89.8501% | 1,923 |
| Net loans and leases to core deposits | 92.3348% | 3,066 |
| Total domestic deposits to total assets | 75.2475% | 6,871 |
| Equity capital to assets | 10.8675% | 2,879 |
| Core capital (leverage) ratio | 11.2094% | 2,086 |
| Tier 1 risk-based capital ratio | 14.2279% | 3,521 |
| Total risk-based capital ratio | 15.4934% | 3,483 |
| Memoranda: | ||
| Average total assets | $161,302,500 | 3,817 |
| Average earning assets | $143,207,000 | 3,883 |
| Average equity | $17,601,000 | 3,550 |
| Average total loans | $110,710,500 | 3,669 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7358% | 2,930 |
| Cost of funding earning assets | 2.8418% | 388 |
| Net interest margin | 2.8940% | 6,879 |
| Noninterest income to average assets | 0.0835% | 7,337 |
| Noninterest expense to average assets | 2.7510% | 5,163 |
| Loan and lease loss provision to assets | 2.5342% | 781 |
| Net operating income to assets | -1.5166% | 6,867 |
| Return on assets (ROA) | -1.4586% | 6,839 |
| Pretax return on assets | -2.4697% | 7,137 |
| Return on Equity (ROE) | -10.8455% | 6,685 |
| Retained earnings to average equity (ytd only) | -10.8455% | 6,583 |
| Net charge-offs to loans | 2.0167% | 1,218 |
| Credit loss provision to net charge-offs | 170.6994% | 2,497 |
| Earnings coverage of net charge-offs (x) | -0.0175% | 6,223 |
| Efficiency ratio | 100.9526% | 1,058 |
| Assets per employee ($millions) | 6.9298% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4377% | 1,308 |
| Loan loss allowance to noncurrent loans | 45.5376% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 6.7064% | 784 |
| Noncurrent loans to loans | 5.3531% | 1,222 |
| Net loans and leases to total assets | 66.3682% | 4,062 |
| Net loans and leases to deposits | 90.5931% | 2,124 |
| Net loans and leases to core deposits | 97.4581% | 4,288 |
| Total domestic deposits to total assets | 73.2597% | 7,123 |
| Equity capital to assets | 10.9571% | 2,737 |
| Core capital (leverage) ratio | 11.6132% | 1,860 |
| Tier 1 risk-based capital ratio | 14.5013% | 3,207 |
| Total risk-based capital ratio | 15.7625% | 3,155 |
| Memoranda: | ||
| Average total assets | $142,529,400 | 4,066 |
| Average earning assets | $130,095,200 | 4,083 |
| Average equity | $19,169,200 | 3,317 |
| Average total loans | $104,925,000 | 3,808 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7665% | 3,036 |
| Cost of funding earning assets | 2.9303% | 405 |
| Net interest margin | 2.8362% | 6,996 |
| Noninterest income to average assets | 0.0819% | 7,493 |
| Noninterest expense to average assets | 2.4109% | 6,388 |
| Loan and lease loss provision to assets | 1.3553% | 1,422 |
| Net operating income to assets | -0.7019% | 6,603 |
| Return on assets (ROA) | -0.6198% | 6,546 |
| Pretax return on assets | -0.9437% | 6,639 |
| Return on Equity (ROE) | -4.3750% | 6,385 |
| Retained earnings to average equity (ytd only) | -4.3750% | 6,167 |
| Net charge-offs to loans | 0.3383% | 3,948 |
| Credit loss provision to net charge-offs | 532.5758% | 736 |
| Earnings coverage of net charge-offs (x) | 1.1288% | 4,930 |
| Efficiency ratio | 89.3533% | 1,749 |
| Assets per employee ($millions) | 6.8141% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0714% | 1,644 |
| Loan loss allowance to noncurrent loans | 22.0213% | 6,981 |
| Noncurrent assets plus other real estate owned to assets | 7.3864% | 619 |
| Noncurrent loans to loans | 9.4063% | 449 |
| Net loans and leases to total assets | 72.2193% | 2,979 |
| Net loans and leases to deposits | 102.4858% | 890 |
| Net loans and leases to core deposits | 123.6822% | 1,933 |
| Total domestic deposits to total assets | 70.4676% | 7,383 |
| Equity capital to assets | 12.7190% | 1,820 |
| Core capital (leverage) ratio | 13.0123% | 1,374 |
| Tier 1 risk-based capital ratio | 16.6018% | 2,393 |
| Total risk-based capital ratio | 17.8608% | 2,342 |
| Memoranda: | ||
| Average total assets | $138,315,500 | 4,178 |
| Average earning assets | $127,584,500 | 4,162 |
| Average equity | $19,595,500 | 3,303 |
| Average total loans | $104,050,250 | 3,876 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1620% | 1,590 |
| Cost of funding earning assets | 3.0232% | 436 |
| Net interest margin | 3.1388% | 6,132 |
| Noninterest income to average assets | 0.0759% | 7,606 |
| Noninterest expense to average assets | 2.4351% | 6,356 |
| Loan and lease loss provision to assets | 0.5251% | 2,922 |
| Net operating income to assets | -0.0083% | 5,860 |
| Return on assets (ROA) | 0.1145% | 5,618 |
| Pretax return on assets | 0.2142% | 5,425 |
| Return on Equity (ROE) | 0.7789% | 5,698 |
| Retained earnings to average equity (ytd only) | 0.7789% | 4,882 |
| Net charge-offs to loans | 0.5438% | 2,695 |
| Credit loss provision to net charge-offs | 127.4368% | 3,652 |
| Earnings coverage of net charge-offs (x) | 1.3285% | 4,525 |
| Efficiency ratio | 81.6459% | 2,771 |
| Assets per employee ($millions) | 6.5743% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 5,393 |
| Loan loss allowance to noncurrent loans | 36.9040% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 2.7919% | 2,303 |
| Noncurrent loans to loans | 3.0604% | 2,345 |
| Net loans and leases to total assets | 74.0229% | 2,692 |
| Net loans and leases to deposits | 107.4552% | 678 |
| Net loans and leases to core deposits | 140.4971% | 989 |
| Total domestic deposits to total assets | 68.8872% | 7,563 |
| Equity capital to assets | 13.6378% | 1,442 |
| Core capital (leverage) ratio | 13.9215% | 1,155 |
| Tier 1 risk-based capital ratio | 17.3174% | 2,207 |
| Total risk-based capital ratio | 18.3885% | 2,200 |
| Memoranda: | ||
| Average total assets | $134,450,670 | 4,295 |
| Average earning assets | $124,504,670 | 4,257 |
| Average equity | $19,771,670 | 3,280 |
| Average total loans | $101,882,330 | 3,966 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0791% | 2,028 |
| Cost of funding earning assets | 3.0893% | 468 |
| Net interest margin | 2.9898% | 6,508 |
| Noninterest income to average assets | 0.1793% | 7,015 |
| Noninterest expense to average assets | 2.2171% | 6,820 |
| Loan and lease loss provision to assets | 0.4638% | 2,617 |
| Net operating income to assets | 0.1549% | 5,804 |
| Return on assets (ROA) | 0.3092% | 5,438 |
| Pretax return on assets | 0.5288% | 4,983 |
| Return on Equity (ROE) | 2.0207% | 5,769 |
| Retained earnings to average equity (ytd only) | 2.0207% | 4,738 |
| Net charge-offs to loans | 0.6364% | 1,905 |
| Credit loss provision to net charge-offs | 95.5414% | 3,882 |
| Earnings coverage of net charge-offs (x) | 1.5478% | 3,952 |
| Efficiency ratio | 74.6875% | 3,704 |
| Assets per employee ($millions) | 6.7413% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 5,331 |
| Loan loss allowance to noncurrent loans | 192.2428% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.4398% | 6,182 |
| Noncurrent loans to loans | 0.5821% | 5,943 |
| Net loans and leases to total assets | 74.7102% | 2,575 |
| Net loans and leases to deposits | 112.1743% | 514 |
| Net loans and leases to core deposits | 161.0154% | 478 |
| Total domestic deposits to total assets | 66.6019% | 7,695 |
| Equity capital to assets | 14.6642% | 1,191 |
| Core capital (leverage) ratio | 14.9925% | 975 |
| Tier 1 risk-based capital ratio | 18.5225% | 1,926 |
| Total risk-based capital ratio | 19.5907% | 1,929 |
| Memoranda: | ||
| Average total assets | $129,358,500 | 4,424 |
| Average earning assets | $120,676,500 | 4,366 |
| Average equity | $19,795,000 | 3,287 |
| Average total loans | $98,680,500 | 4,076 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7329% | 1,921 |
| Cost of funding earning assets | 3.4303% | 650 |
| Net interest margin | 3.3026% | 6,027 |
| Noninterest income to average assets | 0.2099% | 6,937 |
| Noninterest expense to average assets | 2.7687% | 4,959 |
| Loan and lease loss provision to assets | 0.6229% | 2,340 |
| Net operating income to assets | 0.1022% | 6,106 |
| Return on assets (ROA) | 0.1169% | 5,904 |
| Pretax return on assets | -0.1083% | 6,280 |
| Return on Equity (ROE) | 0.6295% | 6,025 |
| Retained earnings to average equity (ytd only) | 0.6295% | 4,861 |
| Net charge-offs to loans | 0.0688% | 5,786 |
| Credit loss provision to net charge-offs | 1,226.4151% | 367 |
| Earnings coverage of net charge-offs (x) | 9.6792% | 2,652 |
| Efficiency ratio | 84.9206% | 1,960 |
| Assets per employee ($millions) | 6.1946% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 4,526 |
| Loan loss allowance to noncurrent loans | 71.0657% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 1.3027% | 3,616 |
| Noncurrent loans to loans | 1.6902% | 3,236 |
| Net loans and leases to total assets | 76.1518% | 2,576 |
| Net loans and leases to deposits | 112.4050% | 683 |
| Net loans and leases to core deposits | 168.9819% | 424 |
| Total domestic deposits to total assets | 67.7477% | 7,496 |
| Equity capital to assets | 15.9970% | 933 |
| Core capital (leverage) ratio | 16.0294% | 819 |
| Tier 1 risk-based capital ratio | 19.6948% | 1,665 |
| Total risk-based capital ratio | 20.8449% | 1,641 |
| Memoranda: | ||
| Average total assets | $104,346,800 | 4,920 |
| Average earning assets | $96,377,400 | 4,904 |
| Average equity | $19,380,400 | 3,329 |
| Average total loans | $77,078,800 | 4,614 |