Home > Republic Bank > Performance and Condition Ratios
Republic Bank, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1538% | 3,060 |
| Cost of funding earning assets | 0.1831% | 6,135 |
| Net interest margin | 3.9707% | 1,854 |
| Noninterest income to average assets | 0.9593% | 1,232 |
| Noninterest expense to average assets | 3.3491% | 1,825 |
| Loan and lease loss provision to assets | 0.2510% | 858 |
| Net operating income to assets | 0.4608% | 4,892 |
| Return on assets (ROA) | 0.4608% | 4,963 |
| Pretax return on assets | 0.7152% | 4,441 |
| Return on Equity (ROE) | 2.0724% | 5,761 |
| Retained earnings to average equity (ytd only) | 2.0724% | 4,774 |
| Net charge-offs to loans | 0.3325% | 1,075 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 3.8493% | 2,615 |
| Efficiency ratio | 77.6096% | 2,534 |
| Assets per employee ($millions) | 5.4152% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5336% | 782 |
| Loan loss allowance to noncurrent loans | 108.2484% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.7384% | 2,029 |
| Noncurrent loans to loans | 2.3405% | 1,517 |
| Net loans and leases to total assets | 72.0418% | 1,571 |
| Net loans and leases to deposits | 92.9850% | 874 |
| Net loans and leases to core deposits | 96.2704% | 1,363 |
| Total domestic deposits to total assets | 77.4768% | 5,902 |
| Equity capital to assets | 21.7694% | 154 |
| Core capital (leverage) ratio | 13.8513% | 868 |
| Tier 1 risk-based capital ratio | 17.2283% | 2,585 |
| Total risk-based capital ratio | 18.4947% | 2,536 |
| Memoranda: | ||
| Average total assets | $116,330,000 | 4,359 |
| Average earning assets | $98,319,000 | 4,555 |
| Average equity | $25,864,000 | 2,568 |
| Average total loans | $87,816,000 | 3,754 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4205% | 2,509 |
| Cost of funding earning assets | 0.2087% | 6,239 |
| Net interest margin | 4.2118% | 1,318 |
| Noninterest income to average assets | 0.8046% | 2,065 |
| Noninterest expense to average assets | 3.4888% | 1,678 |
| Loan and lease loss provision to assets | 0.0543% | 4,054 |
| Net operating income to assets | 0.5039% | 4,715 |
| Return on assets (ROA) | 0.5039% | 4,848 |
| Pretax return on assets | 0.7908% | 4,178 |
| Return on Equity (ROE) | 2.2848% | 5,740 |
| Retained earnings to average equity (ytd only) | 2.2848% | 4,620 |
| Net charge-offs to loans | 0.4408% | 1,508 |
| Credit loss provision to net charge-offs | 16.8449% | 4,503 |
| Earnings coverage of net charge-offs (x) | 2.6230% | 4,123 |
| Efficiency ratio | 80.0835% | 2,135 |
| Assets per employee ($millions) | 4.9359% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5476% | 780 |
| Loan loss allowance to noncurrent loans | 149.6311% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 1.3794% | 2,679 |
| Noncurrent loans to loans | 1.7026% | 2,359 |
| Net loans and leases to total assets | 75.1755% | 1,198 |
| Net loans and leases to deposits | 98.0075% | 589 |
| Net loans and leases to core deposits | 101.6811% | 1,048 |
| Total domestic deposits to total assets | 76.7038% | 6,024 |
| Equity capital to assets | 22.7201% | 127 |
| Core capital (leverage) ratio | 14.4050% | 713 |
| Tier 1 risk-based capital ratio | 17.4235% | 2,443 |
| Total risk-based capital ratio | 18.6904% | 2,412 |
| Memoranda: | ||
| Average total assets | $116,087,200 | 4,359 |
| Average earning assets | $97,273,800 | 4,586 |
| Average equity | $25,604,000 | 2,576 |
| Average total loans | $84,837,200 | 3,800 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4717% | 2,341 |
| Cost of funding earning assets | 0.2103% | 6,353 |
| Net interest margin | 4.2614% | 1,183 |
| Noninterest income to average assets | 0.8772% | 1,833 |
| Noninterest expense to average assets | 3.5946% | 1,410 |
| Loan and lease loss provision to assets | 0.0845% | 3,367 |
| Net operating income to assets | 0.5026% | 4,778 |
| Return on assets (ROA) | 0.5026% | 4,945 |
| Pretax return on assets | 0.7619% | 4,447 |
| Return on Equity (ROE) | 2.2955% | 5,853 |
| Retained earnings to average equity (ytd only) | 2.2955% | 4,953 |
| Net charge-offs to loans | 0.4056% | 1,580 |
| Credit loss provision to net charge-offs | 28.9063% | 3,915 |
| Earnings coverage of net charge-offs (x) | 2.8946% | 3,875 |
| Efficiency ratio | 80.4012% | 2,041 |
| Assets per employee ($millions) | 4.4838% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6822% | 759 |
| Loan loss allowance to noncurrent loans | 268.4869% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.7540% | 4,221 |
| Noncurrent loans to loans | 0.9990% | 3,811 |
| Net loans and leases to total assets | 73.4489% | 1,375 |
| Net loans and leases to deposits | 95.0766% | 757 |
| Net loans and leases to core deposits | 99.1156% | 1,170 |
| Total domestic deposits to total assets | 77.2523% | 6,011 |
| Equity capital to assets | 22.0254% | 146 |
| Core capital (leverage) ratio | 13.8556% | 901 |
| Tier 1 risk-based capital ratio | 17.0325% | 2,693 |
| Total risk-based capital ratio | 18.3014% | 2,652 |
| Memoranda: | ||
| Average total assets | $116,727,750 | 4,388 |
| Average earning assets | $97,618,000 | 4,625 |
| Average equity | $25,556,750 | 2,613 |
| Average total loans | $84,153,000 | 3,857 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4366% | 2,433 |
| Cost of funding earning assets | 0.2131% | 6,415 |
| Net interest margin | 4.2235% | 1,215 |
| Noninterest income to average assets | 1.0207% | 1,469 |
| Noninterest expense to average assets | 3.7319% | 1,199 |
| Loan and lease loss provision to assets | -0.1970% | 6,781 |
| Net operating income to assets | 0.6697% | 3,967 |
| Return on assets (ROA) | 0.6697% | 4,124 |
| Pretax return on assets | 1.0156% | 3,433 |
| Return on Equity (ROE) | 3.0647% | 5,599 |
| Retained earnings to average equity (ytd only) | 3.0647% | 4,369 |
| Net charge-offs to loans | 0.3692% | 1,729 |
| Credit loss provision to net charge-offs | -75.1634% | 5,578 |
| Earnings coverage of net charge-offs (x) | 3.1242% | 3,490 |
| Efficiency ratio | 81.5958% | 1,948 |
| Assets per employee ($millions) | 4.7081% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7279% | 767 |
| Loan loss allowance to noncurrent loans | 139.3995% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 1.3865% | 3,024 |
| Noncurrent loans to loans | 1.9569% | 2,447 |
| Net loans and leases to total assets | 68.9201% | 2,076 |
| Net loans and leases to deposits | 88.8559% | 1,247 |
| Net loans and leases to core deposits | 92.6695% | 1,641 |
| Total domestic deposits to total assets | 77.5639% | 6,055 |
| Equity capital to assets | 21.7955% | 145 |
| Core capital (leverage) ratio | 13.6599% | 920 |
| Tier 1 risk-based capital ratio | 17.4093% | 2,552 |
| Total risk-based capital ratio | 18.6777% | 2,514 |
| Memoranda: | ||
| Average total assets | $116,777,330 | 4,422 |
| Average earning assets | $97,597,670 | 4,658 |
| Average equity | $25,516,670 | 2,627 |
| Average total loans | $82,875,330 | 3,902 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4964% | 2,183 |
| Cost of funding earning assets | 0.2275% | 6,428 |
| Net interest margin | 4.2689% | 1,029 |
| Noninterest income to average assets | 1.3549% | 838 |
| Noninterest expense to average assets | 3.6281% | 1,370 |
| Loan and lease loss provision to assets | -0.4230% | 6,941 |
| Net operating income to assets | 1.0970% | 1,861 |
| Return on assets (ROA) | 1.0970% | 1,971 |
| Pretax return on assets | 1.6988% | 1,076 |
| Return on Equity (ROE) | 5.0141% | 4,559 |
| Retained earnings to average equity (ytd only) | 5.0141% | 3,217 |
| Net charge-offs to loans | 0.0968% | 2,886 |
| Credit loss provision to net charge-offs | -615.0000% | 5,531 |
| Earnings coverage of net charge-offs (x) | 18.5500% | 1,260 |
| Efficiency ratio | 73.6325% | 3,326 |
| Assets per employee ($millions) | 4.8273% | 2,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9074% | 729 |
| Loan loss allowance to noncurrent loans | 157.1054% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 1.7517% | 2,666 |
| Noncurrent loans to loans | 1.8506% | 2,798 |
| Net loans and leases to total assets | 66.3860% | 2,303 |
| Net loans and leases to deposits | 84.8615% | 1,490 |
| Net loans and leases to core deposits | 88.1287% | 1,893 |
| Total domestic deposits to total assets | 78.2287% | 6,080 |
| Equity capital to assets | 21.2111% | 174 |
| Core capital (leverage) ratio | 13.1368% | 1,062 |
| Tier 1 risk-based capital ratio | 17.0408% | 2,727 |
| Total risk-based capital ratio | 18.3099% | 2,695 |
| Memoranda: | ||
| Average total assets | $116,314,500 | 4,475 |
| Average earning assets | $96,699,500 | 4,720 |
| Average equity | $25,448,000 | 2,669 |
| Average total loans | $82,615,000 | 3,935 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7635% | 2,344 |
| Cost of funding earning assets | 0.3275% | 6,322 |
| Net interest margin | 4.4360% | 1,072 |
| Noninterest income to average assets | 0.4932% | 3,946 |
| Noninterest expense to average assets | 3.6190% | 1,568 |
| Loan and lease loss provision to assets | 1.2692% | 277 |
| Net operating income to assets | -0.4818% | 6,553 |
| Return on assets (ROA) | -0.4818% | 6,594 |
| Pretax return on assets | -0.7419% | 6,662 |
| Return on Equity (ROE) | -2.1595% | 6,464 |
| Retained earnings to average equity (ytd only) | -2.1595% | 6,181 |
| Net charge-offs to loans | 0.9659% | 1,143 |
| Credit loss provision to net charge-offs | 179.2848% | 1,467 |
| Earnings coverage of net charge-offs (x) | 0.7448% | 5,106 |
| Efficiency ratio | 86.5053% | 1,381 |
| Assets per employee ($millions) | 4.1462% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0732% | 620 |
| Loan loss allowance to noncurrent loans | 79.8116% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 3.5258% | 1,279 |
| Noncurrent loans to loans | 3.8506% | 1,257 |
| Net loans and leases to total assets | 71.6169% | 1,547 |
| Net loans and leases to deposits | 93.3340% | 798 |
| Net loans and leases to core deposits | 96.9631% | 1,226 |
| Total domestic deposits to total assets | 76.7318% | 6,257 |
| Equity capital to assets | 22.5982% | 137 |
| Core capital (leverage) ratio | 13.4299% | 973 |
| Tier 1 risk-based capital ratio | 16.7533% | 2,771 |
| Total risk-based capital ratio | 18.0228% | 2,724 |
| Memoranda: | ||
| Average total assets | $114,563,000 | 4,474 |
| Average earning assets | $94,342,600 | 4,751 |
| Average equity | $25,561,000 | 2,608 |
| Average total loans | $83,967,200 | 3,909 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7589% | 2,544 |
| Cost of funding earning assets | 0.3513% | 6,369 |
| Net interest margin | 4.4076% | 1,186 |
| Noninterest income to average assets | 0.4212% | 4,473 |
| Noninterest expense to average assets | 3.5087% | 1,735 |
| Loan and lease loss provision to assets | 1.6224% | 183 |
| Net operating income to assets | -0.6990% | 6,776 |
| Return on assets (ROA) | -0.6990% | 6,804 |
| Pretax return on assets | -1.0797% | 6,887 |
| Return on Equity (ROE) | -3.1425% | 6,628 |
| Retained earnings to average equity (ytd only) | -3.1425% | 6,488 |
| Net charge-offs to loans | 0.3654% | 2,641 |
| Credit loss provision to net charge-offs | 606.9264% | 439 |
| Earnings coverage of net charge-offs (x) | 2.0303% | 4,254 |
| Efficiency ratio | 85.8041% | 1,395 |
| Assets per employee ($millions) | 4.4536% | 2,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5954% | 428 |
| Loan loss allowance to noncurrent loans | 90.8553% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 3.5926% | 1,391 |
| Noncurrent loans to loans | 3.9573% | 1,306 |
| Net loans and leases to total assets | 71.0892% | 1,711 |
| Net loans and leases to deposits | 91.7549% | 994 |
| Net loans and leases to core deposits | 94.7959% | 1,508 |
| Total domestic deposits to total assets | 77.4772% | 6,169 |
| Equity capital to assets | 21.8250% | 175 |
| Core capital (leverage) ratio | 12.9661% | 1,202 |
| Tier 1 risk-based capital ratio | 16.6566% | 2,918 |
| Total risk-based capital ratio | 17.9379% | 2,867 |
| Memoranda: | ||
| Average total assets | $115,217,000 | 4,500 |
| Average earning assets | $94,894,000 | 4,773 |
| Average equity | $25,626,750 | 2,625 |
| Average total loans | $84,280,250 | 3,945 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7727% | 2,625 |
| Cost of funding earning assets | 0.3826% | 6,365 |
| Net interest margin | 4.3901% | 1,229 |
| Noninterest income to average assets | 0.3460% | 5,068 |
| Noninterest expense to average assets | 3.4201% | 1,983 |
| Loan and lease loss provision to assets | 0.8694% | 552 |
| Net operating income to assets | -0.2156% | 6,561 |
| Return on assets (ROA) | -0.2156% | 6,623 |
| Pretax return on assets | -0.3321% | 6,658 |
| Return on Equity (ROE) | -0.9633% | 6,541 |
| Retained earnings to average equity (ytd only) | -0.9633% | 6,206 |
| Net charge-offs to loans | 0.5696% | 1,890 |
| Credit loss provision to net charge-offs | 209.2050% | 1,350 |
| Earnings coverage of net charge-offs (x) | 1.2929% | 4,358 |
| Efficiency ratio | 85.5888% | 1,471 |
| Assets per employee ($millions) | 4.4195% | 3,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4945% | 1,291 |
| Loan loss allowance to noncurrent loans | 98.2712% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 2.6735% | 2,066 |
| Noncurrent loans to loans | 2.5384% | 2,373 |
| Net loans and leases to total assets | 73.4775% | 1,334 |
| Net loans and leases to deposits | 96.4209% | 603 |
| Net loans and leases to core deposits | 99.6942% | 1,121 |
| Total domestic deposits to total assets | 76.2049% | 6,434 |
| Equity capital to assets | 22.4009% | 147 |
| Core capital (leverage) ratio | 13.5292% | 969 |
| Tier 1 risk-based capital ratio | 16.9754% | 2,674 |
| Total risk-based capital ratio | 18.2426% | 2,628 |
| Memoranda: | ||
| Average total assets | $115,024,670 | 4,528 |
| Average earning assets | $94,621,330 | 4,800 |
| Average equity | $25,745,000 | 2,602 |
| Average total loans | $83,911,330 | 3,982 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7208% | 2,968 |
| Cost of funding earning assets | 0.4299% | 6,257 |
| Net interest margin | 4.2908% | 1,501 |
| Noninterest income to average assets | 0.3371% | 5,161 |
| Noninterest expense to average assets | 3.1733% | 2,685 |
| Loan and lease loss provision to assets | 1.7344% | 185 |
| Net operating income to assets | -0.6361% | 6,891 |
| Return on assets (ROA) | -0.6361% | 6,911 |
| Pretax return on assets | -1.0323% | 6,983 |
| Return on Equity (ROE) | -2.8430% | 6,744 |
| Retained earnings to average equity (ytd only) | -2.8430% | 6,375 |
| Net charge-offs to loans | 0.1114% | 3,459 |
| Credit loss provision to net charge-offs | 2,169.5652% | 141 |
| Earnings coverage of net charge-offs (x) | 8.7826% | 1,920 |
| Efficiency ratio | 81.0762% | 2,066 |
| Assets per employee ($millions) | 6.8959% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8361% | 973 |
| Loan loss allowance to noncurrent loans | 116.6503% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 2.5471% | 2,321 |
| Noncurrent loans to loans | 2.4312% | 2,676 |
| Net loans and leases to total assets | 69.4089% | 1,857 |
| Net loans and leases to deposits | 89.4872% | 1,009 |
| Net loans and leases to core deposits | 91.9922% | 1,648 |
| Total domestic deposits to total assets | 77.5629% | 6,325 |
| Equity capital to assets | 21.8912% | 147 |
| Core capital (leverage) ratio | 13.1595% | 1,065 |
| Tier 1 risk-based capital ratio | 17.2896% | 2,561 |
| Total risk-based capital ratio | 18.5602% | 2,521 |
| Memoranda: | ||
| Average total assets | $115,084,000 | 4,562 |
| Average earning assets | $94,900,000 | 4,820 |
| Average equity | $25,747,500 | 2,596 |
| Average total loans | $82,572,000 | 4,050 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5217% | 4,986 |
| Cost of funding earning assets | 0.7281% | 5,353 |
| Net interest margin | 3.7936% | 3,853 |
| Noninterest income to average assets | 0.3964% | 4,645 |
| Noninterest expense to average assets | 3.4366% | 2,147 |
| Loan and lease loss provision to assets | 0.1652% | 4,568 |
| Net operating income to assets | -0.0437% | 6,100 |
| Return on assets (ROA) | 0.0768% | 6,025 |
| Pretax return on assets | 0.1010% | 5,966 |
| Return on Equity (ROE) | 0.3586% | 6,093 |
| Retained earnings to average equity (ytd only) | 0.3586% | 5,671 |
| Net charge-offs to loans | 0.6200% | 2,597 |
| Credit loss provision to net charge-offs | 42.0382% | 5,595 |
| Earnings coverage of net charge-offs (x) | 0.2739% | 5,625 |
| Efficiency ratio | 95.5733% | 844 |
| Assets per employee ($millions) | 5.1335% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3329% | 1,571 |
| Loan loss allowance to noncurrent loans | 154.3902% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 1.9675% | 3,012 |
| Noncurrent loans to loans | 1.5110% | 3,882 |
| Net loans and leases to total assets | 70.3944% | 1,951 |
| Net loans and leases to deposits | 92.1058% | 960 |
| Net loans and leases to core deposits | 95.1766% | 1,572 |
| Total domestic deposits to total assets | 76.4278% | 6,427 |
| Equity capital to assets | 22.8727% | 135 |
| Core capital (leverage) ratio | 14.4424% | 727 |
| Tier 1 risk-based capital ratio | 19.7773% | 1,689 |
| Total risk-based capital ratio | 21.0420% | 1,657 |
| Memoranda: | ||
| Average total assets | $119,828,000 | 4,408 |
| Average earning assets | $99,431,800 | 4,650 |
| Average equity | $25,653,200 | 2,511 |
| Average total loans | $75,965,600 | 4,271 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3964% | 5,611 |
| Cost of funding earning assets | 0.7906% | 5,210 |
| Net interest margin | 3.6058% | 4,745 |
| Noninterest income to average assets | 0.1656% | 6,408 |
| Noninterest expense to average assets | 3.3895% | 2,215 |
| Loan and lease loss provision to assets | 0.2117% | 3,907 |
| Net operating income to assets | -0.2673% | 6,453 |
| Return on assets (ROA) | -0.1887% | 6,454 |
| Pretax return on assets | -0.3159% | 6,506 |
| Return on Equity (ROE) | -0.8955% | 6,367 |
| Retained earnings to average equity (ytd only) | -0.8955% | 6,138 |
| Net charge-offs to loans | 0.8614% | 1,844 |
| Credit loss provision to net charge-offs | 40.0415% | 5,238 |
| Earnings coverage of net charge-offs (x) | -0.4295% | 5,810 |
| Efficiency ratio | 105.6191% | 512 |
| Assets per employee ($millions) | 6.9206% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7135% | 3,226 |
| Loan loss allowance to noncurrent loans | 65.2338% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 2.6451% | 2,448 |
| Noncurrent loans to loans | 2.6267% | 2,645 |
| Net loans and leases to total assets | 67.3311% | 2,607 |
| Net loans and leases to deposits | 86.8233% | 1,574 |
| Net loans and leases to core deposits | 90.9472% | 2,131 |
| Total domestic deposits to total assets | 77.5495% | 6,286 |
| Equity capital to assets | 21.8139% | 175 |
| Core capital (leverage) ratio | 14.1329% | 873 |
| Tier 1 risk-based capital ratio | 19.5622% | 1,797 |
| Total risk-based capital ratio | 20.8117% | 1,766 |
| Memoranda: | ||
| Average total assets | $121,550,500 | 4,377 |
| Average earning assets | $101,018,750 | 4,642 |
| Average equity | $25,608,500 | 2,516 |
| Average total loans | $74,606,750 | 4,362 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2540% | 6,149 |
| Cost of funding earning assets | 0.8567% | 5,008 |
| Net interest margin | 3.3973% | 5,565 |
| Noninterest income to average assets | 0.1286% | 6,680 |
| Noninterest expense to average assets | 3.4986% | 1,981 |
| Loan and lease loss provision to assets | 0.1433% | 4,515 |
| Net operating income to assets | -0.4217% | 6,629 |
| Return on assets (ROA) | -0.4217% | 6,658 |
| Pretax return on assets | -0.6919% | 6,761 |
| Return on Equity (ROE) | -2.0242% | 6,517 |
| Retained earnings to average equity (ytd only) | -2.0242% | 6,255 |
| Net charge-offs to loans | 1.0274% | 1,534 |
| Credit loss provision to net charge-offs | 23.5925% | 5,082 |
| Earnings coverage of net charge-offs (x) | -0.9035% | 5,615 |
| Efficiency ratio | 116.9426% | 378 |
| Assets per employee ($millions) | 6.5862% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8297% | 2,893 |
| Loan loss allowance to noncurrent loans | 57.6636% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 3.1674% | 2,120 |
| Noncurrent loans to loans | 3.1731% | 2,257 |
| Net loans and leases to total assets | 62.9982% | 3,677 |
| Net loans and leases to deposits | 80.9418% | 2,623 |
| Net loans and leases to core deposits | 85.4089% | 3,011 |
| Total domestic deposits to total assets | 77.8315% | 6,320 |
| Equity capital to assets | 21.5384% | 191 |
| Core capital (leverage) ratio | 13.9178% | 889 |
| Tier 1 risk-based capital ratio | 20.1126% | 1,590 |
| Total risk-based capital ratio | 21.3630% | 1,568 |
| Memoranda: | ||
| Average total assets | $122,850,670 | 4,366 |
| Average earning assets | $102,021,670 | 4,651 |
| Average equity | $25,590,000 | 2,503 |
| Average total loans | $72,610,330 | 4,486 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0845% | 6,533 |
| Cost of funding earning assets | 0.9470% | 4,592 |
| Net interest margin | 3.1375% | 6,247 |
| Noninterest income to average assets | -0.1792% | 7,426 |
| Noninterest expense to average assets | 3.4624% | 2,113 |
| Loan and lease loss provision to assets | -0.2112% | 7,510 |
| Net operating income to assets | -0.4704% | 6,791 |
| Return on assets (ROA) | -0.4704% | 6,796 |
| Pretax return on assets | -0.8224% | 6,932 |
| Return on Equity (ROE) | -2.2953% | 6,616 |
| Retained earnings to average equity (ytd only) | -2.2953% | 6,194 |
| Net charge-offs to loans | 1.7326% | 759 |
| Credit loss provision to net charge-offs | -21.4984% | 5,607 |
| Earnings coverage of net charge-offs (x) | -1.0521% | 4,900 |
| Efficiency ratio | 140.5797% | 212 |
| Assets per employee ($millions) | 6.9922% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8100% | 2,981 |
| Loan loss allowance to noncurrent loans | 50.5605% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 4.0974% | 1,629 |
| Noncurrent loans to loans | 3.5799% | 2,078 |
| Net loans and leases to total assets | 56.3782% | 4,931 |
| Net loans and leases to deposits | 71.0444% | 4,192 |
| Net loans and leases to core deposits | 74.7955% | 4,447 |
| Total domestic deposits to total assets | 79.3563% | 6,103 |
| Equity capital to assets | 20.2528% | 244 |
| Core capital (leverage) ratio | 13.1049% | 1,094 |
| Tier 1 risk-based capital ratio | 20.1980% | 1,547 |
| Total risk-based capital ratio | 21.4470% | 1,518 |
| Memoranda: | ||
| Average total assets | $125,000,500 | 4,359 |
| Average earning assets | $103,906,000 | 4,637 |
| Average equity | $25,618,000 | 2,481 |
| Average total loans | $70,877,000 | 4,590 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2751% | 6,825 |
| Cost of funding earning assets | 1.1815% | 4,667 |
| Net interest margin | 3.0936% | 6,536 |
| Noninterest income to average assets | -0.1308% | 7,420 |
| Noninterest expense to average assets | 3.6787% | 1,754 |
| Loan and lease loss provision to assets | 2.4806% | 450 |
| Net operating income to assets | -2.5236% | 7,183 |
| Return on assets (ROA) | -2.5236% | 7,201 |
| Pretax return on assets | -3.7274% | 7,399 |
| Return on Equity (ROE) | -11.3873% | 6,788 |
| Retained earnings to average equity (ytd only) | -11.3873% | 6,731 |
| Net charge-offs to loans | 4.6852% | 213 |
| Credit loss provision to net charge-offs | 100.2297% | 4,543 |
| Earnings coverage of net charge-offs (x) | -0.5038% | 6,458 |
| Efficiency ratio | 148.5972% | 220 |
| Assets per employee ($millions) | 6.8968% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4205% | 1,524 |
| Loan loss allowance to noncurrent loans | 73.2898% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 3.5669% | 1,930 |
| Noncurrent loans to loans | 3.3027% | 2,295 |
| Net loans and leases to total assets | 54.6205% | 5,557 |
| Net loans and leases to deposits | 69.4004% | 4,895 |
| Net loans and leases to core deposits | 71.6973% | 5,241 |
| Total domestic deposits to total assets | 78.7034% | 6,161 |
| Equity capital to assets | 20.7392% | 221 |
| Core capital (leverage) ratio | 13.4333% | 989 |
| Tier 1 risk-based capital ratio | 21.4191% | 1,259 |
| Total risk-based capital ratio | 22.6689% | 1,233 |
| Memoranda: | ||
| Average total assets | $123,115,600 | 4,422 |
| Average earning assets | $101,985,000 | 4,674 |
| Average equity | $27,284,800 | 2,355 |
| Average total loans | $65,034,400 | 4,870 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2192% | 7,068 |
| Cost of funding earning assets | 1.2066% | 4,832 |
| Net interest margin | 3.0126% | 6,803 |
| Noninterest income to average assets | -0.1476% | 7,564 |
| Noninterest expense to average assets | 3.9318% | 1,157 |
| Loan and lease loss provision to assets | 2.9518% | 299 |
| Net operating income to assets | -3.1656% | 7,475 |
| Return on assets (ROA) | -3.1656% | 7,489 |
| Pretax return on assets | -4.5384% | 7,609 |
| Return on Equity (ROE) | -14.0561% | 7,073 |
| Retained earnings to average equity (ytd only) | -14.0561% | 7,041 |
| Net charge-offs to loans | 5.9656% | 102 |
| Credit loss provision to net charge-offs | 95.1049% | 4,560 |
| Earnings coverage of net charge-offs (x) | -0.5112% | 6,326 |
| Efficiency ratio | 164.8774% | 150 |
| Assets per employee ($millions) | 6.8924% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3290% | 1,576 |
| Loan loss allowance to noncurrent loans | 60.8076% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 3.4547% | 2,059 |
| Noncurrent loans to loans | 3.8301% | 2,000 |
| Net loans and leases to total assets | 51.9208% | 6,113 |
| Net loans and leases to deposits | 66.3231% | 5,631 |
| Net loans and leases to core deposits | 69.1682% | 5,830 |
| Total domestic deposits to total assets | 78.2846% | 6,203 |
| Equity capital to assets | 21.1737% | 226 |
| Core capital (leverage) ratio | 13.6346% | 1,016 |
| Tier 1 risk-based capital ratio | 22.5436% | 1,125 |
| Total risk-based capital ratio | 23.7935% | 1,100 |
| Memoranda: | ||
| Average total assets | $122,859,000 | 4,478 |
| Average earning assets | $101,659,000 | 4,738 |
| Average equity | $27,669,500 | 2,365 |
| Average total loans | $63,920,750 | 4,982 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1849% | 7,192 |
| Cost of funding earning assets | 1.2033% | 5,116 |
| Net interest margin | 2.9816% | 6,864 |
| Noninterest income to average assets | 0.0882% | 7,139 |
| Noninterest expense to average assets | 3.9246% | 1,149 |
| Loan and lease loss provision to assets | 3.9050% | 203 |
| Net operating income to assets | -3.4641% | 7,574 |
| Return on assets (ROA) | -3.4641% | 7,578 |
| Pretax return on assets | -5.2606% | 7,691 |
| Return on Equity (ROE) | -15.0766% | 7,147 |
| Retained earnings to average equity (ytd only) | -15.0766% | 7,106 |
| Net charge-offs to loans | 3.2636% | 467 |
| Credit loss provision to net charge-offs | 231.6860% | 1,667 |
| Earnings coverage of net charge-offs (x) | -0.8043% | 6,091 |
| Efficiency ratio | 150.2225% | 205 |
| Assets per employee ($millions) | 6.1399% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7028% | 219 |
| Loan loss allowance to noncurrent loans | 76.2227% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 4.2061% | 1,603 |
| Noncurrent loans to loans | 6.1698% | 1,020 |
| Net loans and leases to total assets | 50.1490% | 6,416 |
| Net loans and leases to deposits | 64.6591% | 5,959 |
| Net loans and leases to core deposits | 67.2359% | 6,127 |
| Total domestic deposits to total assets | 77.5591% | 6,375 |
| Equity capital to assets | 21.9637% | 203 |
| Core capital (leverage) ratio | 14.4723% | 822 |
| Tier 1 risk-based capital ratio | 24.1094% | 935 |
| Total risk-based capital ratio | 25.3598% | 912 |
| Memoranda: | ||
| Average total assets | $122,457,330 | 4,517 |
| Average earning assets | $101,890,000 | 4,750 |
| Average equity | $28,136,330 | 2,329 |
| Average total loans | $63,244,000 | 5,045 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2836% | 7,158 |
| Cost of funding earning assets | 1.1797% | 5,512 |
| Net interest margin | 3.1040% | 6,583 |
| Noninterest income to average assets | -0.0294% | 7,711 |
| Noninterest expense to average assets | 4.1542% | 856 |
| Loan and lease loss provision to assets | 1.0238% | 1,215 |
| Net operating income to assets | -1.6191% | 7,368 |
| Return on assets (ROA) | -1.6191% | 7,372 |
| Pretax return on assets | -2.6168% | 7,534 |
| Return on Equity (ROE) | -6.8944% | 6,984 |
| Retained earnings to average equity (ytd only) | -6.8944% | 6,727 |
| Net charge-offs to loans | 1.3492% | 1,276 |
| Credit loss provision to net charge-offs | 148.3412% | 2,404 |
| Earnings coverage of net charge-offs (x) | -2.3081% | 5,490 |
| Efficiency ratio | 159.6424% | 180 |
| Assets per employee ($millions) | 6.0536% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7828% | 1,007 |
| Loan loss allowance to noncurrent loans | 42.3552% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 4.2594% | 1,600 |
| Noncurrent loans to loans | 6.5701% | 944 |
| Net loans and leases to total assets | 51.4776% | 6,324 |
| Net loans and leases to deposits | 67.7343% | 5,624 |
| Net loans and leases to core deposits | 70.5377% | 5,869 |
| Total domestic deposits to total assets | 75.9994% | 6,756 |
| Equity capital to assets | 23.5116% | 173 |
| Core capital (leverage) ratio | 16.1383% | 561 |
| Tier 1 risk-based capital ratio | 27.3756% | 681 |
| Total risk-based capital ratio | 28.6261% | 667 |
| Memoranda: | ||
| Average total assets | $122,287,000 | 4,575 |
| Average earning assets | $102,062,500 | 4,813 |
| Average equity | $28,719,000 | 2,312 |
| Average total loans | $62,555,500 | 5,147 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0577% | 7,665 |
| Cost of funding earning assets | 0.8367% | 7,502 |
| Net interest margin | 3.2210% | 6,023 |
| Noninterest income to average assets | 18.3442% | 43 |
| Noninterest expense to average assets | 19.6297% | 48 |
| Loan and lease loss provision to assets | 1.1256% | 2,027 |
| Net operating income to assets | -0.0160% | 5,520 |
| Return on assets (ROA) | 4.6759% | 32 |
| Pretax return on assets | 7.6539% | 26 |
| Return on Equity (ROE) | 15.3982% | 614 |
| Retained earnings to average equity (ytd only) | -34.5231% | 7,470 |
| Net charge-offs to loans | 0.4974% | 3,780 |
| Credit loss provision to net charge-offs | 515.6250% | 598 |
| Earnings coverage of net charge-offs (x) | 6.6354% | 2,322 |
| Efficiency ratio | 92.7649% | 1,505 |
| Assets per employee ($millions) | 6.1751% | 1,143 |
| Cash dividends to net income (ytd only)* | 324.2017% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7573% | 969 |
| Loan loss allowance to noncurrent loans | 33.5997% | 6,199 |
| Noncurrent assets plus other real estate owned to assets | 4.8736% | 1,282 |
| Noncurrent loans to loans | 8.2063% | 600 |
| Net loans and leases to total assets | 48.0316% | 6,811 |
| Net loans and leases to deposits | 63.4649% | 6,331 |
| Net loans and leases to core deposits | 75.1057% | 6,463 |
| Total domestic deposits to total assets | 75.6822% | 6,742 |
| Equity capital to assets | 23.4587% | 197 |
| Core capital (leverage) ratio | 16.2161% | 584 |
| Tier 1 risk-based capital ratio | 29.6950% | 542 |
| Total risk-based capital ratio | 30.9448% | 524 |
| Memoranda: | ||
| Average total assets | $131,933,000 | 4,303 |
| Average earning assets | $111,985,000 | 4,512 |
| Average equity | $40,063,000 | 1,669 |
| Average total loans | $57,904,400 | 5,341 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0872% | 7,778 |
| Cost of funding earning assets | 0.8135% | 7,672 |
| Net interest margin | 3.2737% | 5,736 |
| Noninterest income to average assets | 23.9702% | 40 |
| Noninterest expense to average assets | 24.8863% | 43 |
| Loan and lease loss provision to assets | 0.8853% | 2,172 |
| Net operating income to assets | 0.3195% | 4,721 |
| Return on assets (ROA) | 6.5232% | 24 |
| Pretax return on assets | 10.6781% | 23 |
| Return on Equity (ROE) | 20.4123% | 288 |
| Retained earnings to average equity (ytd only) | 20.4123% | 59 |
| Net charge-offs to loans | 0.5088% | 3,188 |
| Credit loss provision to net charge-offs | 408.2569% | 975 |
| Earnings coverage of net charge-offs (x) | 8.6238% | 2,217 |
| Efficiency ratio | 92.7321% | 1,481 |
| Assets per employee ($millions) | 5.5326% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9449% | 1,915 |
| Loan loss allowance to noncurrent loans | 30.1117% | 6,452 |
| Noncurrent assets plus other real estate owned to assets | 3.8072% | 1,699 |
| Noncurrent loans to loans | 6.4588% | 894 |
| Net loans and leases to total assets | 48.0081% | 6,957 |
| Net loans and leases to deposits | 83.9485% | 3,656 |
| Net loans and leases to core deposits | 97.4550% | 4,667 |
| Total domestic deposits to total assets | 57.1876% | 7,914 |
| Equity capital to assets | 40.5449% | 72 |
| Core capital (leverage) ratio | 34.8198% | 98 |
| Tier 1 risk-based capital ratio | 63.9436% | 106 |
| Total risk-based capital ratio | 65.1940% | 104 |
| Memoranda: | ||
| Average total assets | $134,040,750 | 4,282 |
| Average earning assets | $114,077,750 | 4,479 |
| Average equity | $42,835,750 | 1,580 |
| Average total loans | $57,130,000 | 5,423 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0978% | 7,875 |
| Cost of funding earning assets | 0.7978% | 7,820 |
| Net interest margin | 3.3000% | 5,551 |
| Noninterest income to average assets | 34.5671% | 34 |
| Noninterest expense to average assets | 34.5483% | 33 |
| Loan and lease loss provision to assets | 0.9034% | 1,871 |
| Net operating income to assets | 0.7676% | 2,979 |
| Return on assets (ROA) | 9.7967% | 15 |
| Pretax return on assets | 16.0378% | 14 |
| Return on Equity (ROE) | 33.2822% | 49 |
| Retained earnings to average equity (ytd only) | 33.2822% | 30 |
| Net charge-offs to loans | 0.6713% | 2,363 |
| Credit loss provision to net charge-offs | 330.1587% | 1,409 |
| Earnings coverage of net charge-offs (x) | 10.3545% | 2,005 |
| Efficiency ratio | 92.2273% | 1,622 |
| Assets per employee ($millions) | 5.5041% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5848% | 2,811 |
| Loan loss allowance to noncurrent loans | 58.1761% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 1.9613% | 3,245 |
| Noncurrent loans to loans | 2.7241% | 2,641 |
| Net loans and leases to total assets | 47.4379% | 7,079 |
| Net loans and leases to deposits | 94.2090% | 2,058 |
| Net loans and leases to core deposits | 109.1139% | 3,481 |
| Total domestic deposits to total assets | 50.3539% | 8,056 |
| Equity capital to assets | 40.8973% | 80 |
| Core capital (leverage) ratio | 35.1815% | 107 |
| Tier 1 risk-based capital ratio | 64.2278% | 118 |
| Total risk-based capital ratio | 65.4778% | 117 |
| Memoranda: | ||
| Average total assets | $138,148,670 | 4,213 |
| Average earning assets | $117,819,330 | 4,419 |
| Average equity | $40,664,330 | 1,667 |
| Average total loans | $56,309,000 | 5,494 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0291% | 7,982 |
| Cost of funding earning assets | 0.7950% | 7,914 |
| Net interest margin | 3.2341% | 5,741 |
| Noninterest income to average assets | 58.8857% | 20 |
| Noninterest expense to average assets | 57.9503% | 22 |
| Loan and lease loss provision to assets | 0.3245% | 3,377 |
| Net operating income to assets | 1.4669% | 1,004 |
| Return on assets (ROA) | 19.1331% | 9 |
| Pretax return on assets | 30.9877% | 8 |
| Return on Equity (ROE) | 77.4500% | 11 |
| Retained earnings to average equity (ytd only) | 77.4500% | 9 |
| Net charge-offs to loans | 0.6440% | 1,889 |
| Credit loss provision to net charge-offs | 133.7079% | 3,023 |
| Earnings coverage of net charge-offs (x) | 15.2809% | 1,616 |
| Efficiency ratio | 93.8744% | 1,440 |
| Assets per employee ($millions) | 9.3102% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 6,539 |
| Loan loss allowance to noncurrent loans | 48.6085% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 1.3919% | 3,859 |
| Noncurrent loans to loans | 1.9388% | 3,356 |
| Net loans and leases to total assets | 26.8903% | 7,983 |
| Net loans and leases to deposits | 40.2752% | 7,832 |
| Net loans and leases to core deposits | 42.2676% | 7,939 |
| Total domestic deposits to total assets | 66.7663% | 7,683 |
| Equity capital to assets | 24.2744% | 241 |
| Core capital (leverage) ratio | 20.1206% | 394 |
| Tier 1 risk-based capital ratio | 50.9587% | 194 |
| Total risk-based capital ratio | 51.6421% | 196 |
| Memoranda: | ||
| Average total assets | $146,677,500 | 4,064 |
| Average earning assets | $125,785,000 | 4,246 |
| Average equity | $36,235,000 | 1,888 |
| Average total loans | $55,279,500 | 5,579 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6879% | 2,072 |
| Cost of funding earning assets | 2.4639% | 4,402 |
| Net interest margin | 4.2240% | 2,209 |
| Noninterest income to average assets | 0.3024% | 6,286 |
| Noninterest expense to average assets | 4.3194% | 1,024 |
| Loan and lease loss provision to assets | 1.2444% | 1,152 |
| Net operating income to assets | -1.1665% | 7,329 |
| Return on assets (ROA) | -1.0793% | 7,215 |
| Pretax return on assets | -1.8758% | 7,399 |
| Return on Equity (ROE) | -4.0378% | 6,750 |
| Retained earnings to average equity (ytd only) | -4.0378% | 6,332 |
| Net charge-offs to loans | 1.8971% | 579 |
| Credit loss provision to net charge-offs | 104.8638% | 5,101 |
| Earnings coverage of net charge-offs (x) | -0.6469% | 6,524 |
| Efficiency ratio | 117.5821% | 601 |
| Assets per employee ($millions) | 3.8491% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8989% | 6,685 |
| Loan loss allowance to noncurrent loans | 106.6955% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.7621% | 2,770 |
| Noncurrent loans to loans | 0.8425% | 4,946 |
| Net loans and leases to total assets | 61.5193% | 5,695 |
| Net loans and leases to deposits | 103.1731% | 1,444 |
| Net loans and leases to core deposits | 127.2530% | 2,064 |
| Total domestic deposits to total assets | 59.6272% | 7,979 |
| Equity capital to assets | 25.6975% | 251 |
| Core capital (leverage) ratio | 15.4586% | 929 |
| Tier 1 risk-based capital ratio | 21.8453% | 1,332 |
| Total risk-based capital ratio | 22.7425% | 1,355 |
| Memoranda: | ||
| Average total assets | $86,631,400 | 5,457 |
| Average earning assets | $66,643,000 | 5,947 |
| Average equity | $23,156,400 | 2,831 |
| Average total loans | $54,188,000 | 5,518 |