Home > Santa Lucia Bank > Performance and Condition Ratios
Santa Lucia 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 | 4.7169% | 4,371 |
| Cost of funding earning assets | 0.5344% | 6,566 |
| Net interest margin | 4.1825% | 2,169 |
| Noninterest income to average assets | 0.2452% | 5,867 |
| Noninterest expense to average assets | 3.9669% | 1,045 |
| Loan and lease loss provision to assets | 0.2914% | 3,183 |
| Net operating income to assets | -0.4415% | 6,609 |
| Return on assets (ROA) | -0.3838% | 6,619 |
| Pretax return on assets | -0.2331% | 6,443 |
| Return on Equity (ROE) | -7.6396% | 6,797 |
| Retained earnings to average equity (ytd only) | -7.6396% | 6,745 |
| Net charge-offs to loans | 1.6112% | 878 |
| Credit loss provision to net charge-offs | 25.7782% | 5,480 |
| Earnings coverage of net charge-offs (x) | 0.0005% | 5,600 |
| Efficiency ratio | 99.9861% | 661 |
| Assets per employee ($millions) | 3.1389% | 5,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2549% | 76 |
| Loan loss allowance to noncurrent loans | 48.3094% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 9.9126% | 364 |
| Noncurrent loans to loans | 12.9476% | 203 |
| Net loans and leases to total assets | 61.1230% | 3,920 |
| Net loans and leases to deposits | 65.0893% | 5,037 |
| Net loans and leases to core deposits | 66.8261% | 5,330 |
| Total domestic deposits to total assets | 93.9065% | 83 |
| Equity capital to assets | 5.3212% | 7,240 |
| Core capital (leverage) ratio | 5.0903% | 7,233 |
| Tier 1 risk-based capital ratio | 8.0177% | 7,193 |
| Total risk-based capital ratio | 9.3298% | 7,191 |
| Memoranda: | ||
| Average total assets | $242,498,750 | 2,616 |
| Average earning assets | $215,812,250 | 2,672 |
| Average equity | $12,181,750 | 4,518 |
| Average total loans | $170,142,500 | 2,391 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7657% | 4,229 |
| Cost of funding earning assets | 0.5611% | 6,622 |
| Net interest margin | 4.2046% | 2,015 |
| Noninterest income to average assets | 0.2790% | 5,652 |
| Noninterest expense to average assets | 3.9820% | 1,076 |
| Loan and lease loss provision to assets | 0.4311% | 2,269 |
| Net operating income to assets | -0.5897% | 6,753 |
| Return on assets (ROA) | -0.5043% | 6,715 |
| Pretax return on assets | -0.2822% | 6,521 |
| Return on Equity (ROE) | -10.2291% | 6,947 |
| Retained earnings to average equity (ytd only) | -10.2291% | 6,889 |
| Net charge-offs to loans | 2.4550% | 490 |
| Credit loss provision to net charge-offs | 24.4804% | 5,073 |
| Earnings coverage of net charge-offs (x) | 0.0360% | 5,259 |
| Efficiency ratio | 98.4318% | 778 |
| Assets per employee ($millions) | 3.1856% | 5,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7745% | 111 |
| Loan loss allowance to noncurrent loans | 47.9271% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 9.9229% | 394 |
| Noncurrent loans to loans | 12.0485% | 252 |
| Net loans and leases to total assets | 63.1114% | 3,658 |
| Net loans and leases to deposits | 66.9901% | 4,853 |
| Net loans and leases to core deposits | 68.9981% | 5,186 |
| Total domestic deposits to total assets | 94.2100% | 70 |
| Equity capital to assets | 5.0242% | 7,321 |
| Core capital (leverage) ratio | 4.9719% | 7,301 |
| Tier 1 risk-based capital ratio | 7.4351% | 7,284 |
| Total risk-based capital ratio | 8.7415% | 7,286 |
| Memoranda: | ||
| Average total assets | $245,905,330 | 2,593 |
| Average earning assets | $220,283,000 | 2,643 |
| Average equity | $12,122,330 | 4,524 |
| Average total loans | $176,373,670 | 2,331 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8240% | 3,940 |
| Cost of funding earning assets | 0.6003% | 6,614 |
| Net interest margin | 4.2237% | 1,825 |
| Noninterest income to average assets | 0.2550% | 5,859 |
| Noninterest expense to average assets | 3.8853% | 1,198 |
| Loan and lease loss provision to assets | 0.5972% | 1,441 |
| Net operating income to assets | -0.4229% | 6,754 |
| Return on assets (ROA) | -0.4229% | 6,766 |
| Pretax return on assets | -0.4229% | 6,705 |
| Return on Equity (ROE) | -8.6601% | 6,984 |
| Retained earnings to average equity (ytd only) | -8.6601% | 6,798 |
| Net charge-offs to loans | 1.9664% | 649 |
| Credit loss provision to net charge-offs | 41.0200% | 3,923 |
| Earnings coverage of net charge-offs (x) | 0.1197% | 4,509 |
| Efficiency ratio | 95.7058% | 935 |
| Assets per employee ($millions) | 3.2373% | 5,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8406% | 111 |
| Loan loss allowance to noncurrent loans | 45.8898% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 10.5072% | 374 |
| Noncurrent loans to loans | 12.7275% | 241 |
| Net loans and leases to total assets | 68.5862% | 2,432 |
| Net loans and leases to deposits | 72.6831% | 3,963 |
| Net loans and leases to core deposits | 79.0237% | 3,879 |
| Total domestic deposits to total assets | 94.3633% | 65 |
| Equity capital to assets | 4.8660% | 7,383 |
| Core capital (leverage) ratio | 4.9410% | 7,369 |
| Tier 1 risk-based capital ratio | 6.9973% | 7,369 |
| Total risk-based capital ratio | 8.3058% | 7,369 |
| Memoranda: | ||
| Average total assets | $247,804,500 | 2,587 |
| Average earning assets | $223,217,500 | 2,622 |
| Average equity | $12,101,500 | 4,524 |
| Average total loans | $183,480,000 | 2,266 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3172% | 3,038 |
| Cost of funding earning assets | 0.9372% | 5,997 |
| Net interest margin | 4.3800% | 1,557 |
| Noninterest income to average assets | 0.3883% | 4,988 |
| Noninterest expense to average assets | 3.9844% | 1,180 |
| Loan and lease loss provision to assets | 5.7749% | 44 |
| Net operating income to assets | -5.6457% | 7,575 |
| Return on assets (ROA) | -5.4223% | 7,569 |
| Pretax return on assets | -5.2087% | 7,549 |
| Return on Equity (ROE) | -80.8939% | 7,553 |
| Retained earnings to average equity (ytd only) | -81.3133% | 7,552 |
| Net charge-offs to loans | 3.8300% | 346 |
| Credit loss provision to net charge-offs | 200.3691% | 1,558 |
| Earnings coverage of net charge-offs (x) | 0.1189% | 6,003 |
| Efficiency ratio | 92.0794% | 1,178 |
| Assets per employee ($millions) | 3.0812% | 5,917 |
| Cash dividends to net income (ytd only)* | -0.5186% | 7,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8584% | 115 |
| Loan loss allowance to noncurrent loans | 45.9344% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 10.4449% | 375 |
| Noncurrent loans to loans | 12.7537% | 244 |
| Net loans and leases to total assets | 70.8198% | 2,349 |
| Net loans and leases to deposits | 75.0818% | 4,005 |
| Net loans and leases to core deposits | 78.8883% | 4,360 |
| Total domestic deposits to total assets | 94.3236% | 75 |
| Equity capital to assets | 4.9007% | 7,441 |
| Core capital (leverage) ratio | 4.7504% | 7,437 |
| Tier 1 risk-based capital ratio | 6.8524% | 7,438 |
| Total risk-based capital ratio | 8.1614% | 7,436 |
| Memoranda: | ||
| Average total assets | $263,174,400 | 2,423 |
| Average earning assets | $236,667,800 | 2,460 |
| Average equity | $17,640,400 | 3,485 |
| Average total loans | $198,040,000 | 2,175 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3449% | 3,143 |
| Cost of funding earning assets | 1.0017% | 5,931 |
| Net interest margin | 4.3432% | 1,700 |
| Noninterest income to average assets | 0.3501% | 5,369 |
| Noninterest expense to average assets | 3.9213% | 1,175 |
| Loan and lease loss provision to assets | 6.7262% | 32 |
| Net operating income to assets | -6.6772% | 7,710 |
| Return on assets (ROA) | -6.5696% | 7,709 |
| Pretax return on assets | -6.2885% | 7,694 |
| Return on Equity (ROE) | -92.2083% | 7,680 |
| Retained earnings to average equity (ytd only) | -92.7278% | 7,681 |
| Net charge-offs to loans | 4.7314% | 198 |
| Credit loss provision to net charge-offs | 188.9029% | 1,907 |
| Earnings coverage of net charge-offs (x) | 0.0927% | 5,934 |
| Efficiency ratio | 92.2353% | 1,110 |
| Assets per employee ($millions) | 3.1868% | 5,709 |
| Cash dividends to net income (ytd only)* | -0.5634% | 7,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9660% | 177 |
| Loan loss allowance to noncurrent loans | 38.6252% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 10.1340% | 399 |
| Noncurrent loans to loans | 12.8569% | 235 |
| Net loans and leases to total assets | 70.2883% | 2,669 |
| Net loans and leases to deposits | 74.9380% | 4,350 |
| Net loans and leases to core deposits | 80.4065% | 4,468 |
| Total domestic deposits to total assets | 93.7952% | 73 |
| Equity capital to assets | 5.1572% | 7,565 |
| Core capital (leverage) ratio | 4.9167% | 7,552 |
| Tier 1 risk-based capital ratio | 6.7164% | 7,572 |
| Total risk-based capital ratio | 8.0125% | 7,575 |
| Memoranda: | ||
| Average total assets | $266,573,750 | 2,427 |
| Average earning assets | $239,450,000 | 2,472 |
| Average equity | $18,992,750 | 3,319 |
| Average total loans | $200,612,750 | 2,182 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4562% | 2,723 |
| Cost of funding earning assets | 1.0514% | 5,911 |
| Net interest margin | 4.4048% | 1,432 |
| Noninterest income to average assets | 0.3525% | 5,324 |
| Noninterest expense to average assets | 3.9115% | 1,169 |
| Loan and lease loss provision to assets | 6.5464% | 62 |
| Net operating income to assets | -6.5696% | 7,754 |
| Return on assets (ROA) | -6.4087% | 7,757 |
| Pretax return on assets | -5.9881% | 7,728 |
| Return on Equity (ROE) | -82.4386% | 7,707 |
| Retained earnings to average equity (ytd only) | -83.1510% | 7,705 |
| Net charge-offs to loans | 4.3555% | 274 |
| Credit loss provision to net charge-offs | 198.5925% | 1,991 |
| Earnings coverage of net charge-offs (x) | 0.1205% | 5,601 |
| Efficiency ratio | 90.7780% | 1,276 |
| Assets per employee ($millions) | 3.2318% | 5,599 |
| Cash dividends to net income (ytd only)* | -0.8641% | 7,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8157% | 429 |
| Loan loss allowance to noncurrent loans | 44.8917% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 7.0655% | 748 |
| Noncurrent loans to loans | 8.4998% | 585 |
| Net loans and leases to total assets | 73.5183% | 2,024 |
| Net loans and leases to deposits | 79.7501% | 3,641 |
| Net loans and leases to core deposits | 84.0479% | 4,136 |
| Total domestic deposits to total assets | 92.1858% | 194 |
| Equity capital to assets | 6.7897% | 7,414 |
| Core capital (leverage) ratio | 6.5273% | 7,376 |
| Tier 1 risk-based capital ratio | 8.5622% | 7,478 |
| Total risk-based capital ratio | 9.8431% | 7,490 |
| Memoranda: | ||
| Average total assets | $267,263,330 | 2,440 |
| Average earning assets | $240,058,330 | 2,479 |
| Average equity | $20,776,670 | 3,067 |
| Average total loans | $202,273,330 | 2,190 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5323% | 2,445 |
| Cost of funding earning assets | 1.0776% | 6,007 |
| Net interest margin | 4.4547% | 1,244 |
| Noninterest income to average assets | 0.3189% | 5,595 |
| Noninterest expense to average assets | 3.5366% | 1,898 |
| Loan and lease loss provision to assets | 13.0376% | 12 |
| Net operating income to assets | -13.0883% | 7,916 |
| Return on assets (ROA) | -13.0883% | 7,916 |
| Pretax return on assets | -12.2507% | 7,913 |
| Return on Equity (ROE) | -158.4591% | 7,873 |
| Retained earnings to average equity (ytd only) | -159.4154% | 7,871 |
| Net charge-offs to loans | 1.7969% | 964 |
| Credit loss provision to net charge-offs | 963.4361% | 482 |
| Earnings coverage of net charge-offs (x) | 0.5815% | 4,509 |
| Efficiency ratio | 81.7994% | 2,294 |
| Assets per employee ($millions) | 3.2593% | 5,632 |
| Cash dividends to net income (ytd only)* | -0.6035% | 7,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5361% | 126 |
| Loan loss allowance to noncurrent loans | 55.4507% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 7.9947% | 617 |
| Noncurrent loans to loans | 9.9838% | 424 |
| Net loans and leases to total assets | 71.6709% | 2,528 |
| Net loans and leases to deposits | 77.7194% | 4,098 |
| Net loans and leases to core deposits | 82.1255% | 4,472 |
| Total domestic deposits to total assets | 92.2175% | 204 |
| Equity capital to assets | 6.6346% | 7,499 |
| Core capital (leverage) ratio | 6.5177% | 7,459 |
| Tier 1 risk-based capital ratio | 8.3577% | 7,573 |
| Total risk-based capital ratio | 9.6592% | 7,582 |
| Memoranda: | ||
| Average total assets | $268,392,000 | 2,489 |
| Average earning assets | $241,275,000 | 2,524 |
| Average equity | $22,168,500 | 2,923 |
| Average total loans | $202,131,500 | 2,253 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8292% | 2,529 |
| Cost of funding earning assets | 1.2363% | 6,522 |
| Net interest margin | 4.5929% | 997 |
| Noninterest income to average assets | 0.3835% | 5,353 |
| Noninterest expense to average assets | 3.6774% | 1,959 |
| Loan and lease loss provision to assets | 2.0732% | 1,025 |
| Net operating income to assets | -0.6895% | 6,358 |
| Return on assets (ROA) | -0.6349% | 6,300 |
| Pretax return on assets | -1.1387% | 6,500 |
| Return on Equity (ROE) | -5.8639% | 6,292 |
| Retained earnings to average equity (ytd only) | -8.5714% | 6,399 |
| Net charge-offs to loans | 2.2175% | 1,071 |
| Credit loss provision to net charge-offs | 124.5438% | 4,218 |
| Earnings coverage of net charge-offs (x) | 0.5100% | 5,605 |
| Efficiency ratio | 81.2432% | 2,707 |
| Assets per employee ($millions) | 3.2085% | 5,707 |
| Cash dividends to net income (ytd only)* | -46.1722% | 7,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6805% | 2,963 |
| Loan loss allowance to noncurrent loans | 52.8484% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 2.5360% | 2,762 |
| Noncurrent loans to loans | 3.1799% | 2,405 |
| Net loans and leases to total assets | 73.5012% | 2,380 |
| Net loans and leases to deposits | 82.5481% | 3,533 |
| Net loans and leases to core deposits | 105.4649% | 3,402 |
| Total domestic deposits to total assets | 89.0404% | 1,464 |
| Equity capital to assets | 9.8713% | 3,923 |
| Core capital (leverage) ratio | 9.7134% | 3,432 |
| Tier 1 risk-based capital ratio | 11.8493% | 5,074 |
| Total risk-based capital ratio | 13.1783% | 4,955 |
| Memoranda: | ||
| Average total assets | $263,364,800 | 2,487 |
| Average earning assets | $237,562,400 | 2,531 |
| Average equity | $28,513,400 | 2,332 |
| Average total loans | $197,698,200 | 2,312 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9188% | 2,360 |
| Cost of funding earning assets | 1.2636% | 6,677 |
| Net interest margin | 4.6552% | 903 |
| Noninterest income to average assets | 0.3707% | 5,547 |
| Noninterest expense to average assets | 3.6787% | 1,871 |
| Loan and lease loss provision to assets | 0.3819% | 4,033 |
| Net operating income to assets | 0.3362% | 4,653 |
| Return on assets (ROA) | 0.3666% | 4,629 |
| Pretax return on assets | 0.5612% | 4,328 |
| Return on Equity (ROE) | 3.3114% | 4,660 |
| Retained earnings to average equity (ytd only) | 0.0138% | 5,198 |
| Net charge-offs to loans | 0.3951% | 3,688 |
| Credit loss provision to net charge-offs | 128.6449% | 3,897 |
| Earnings coverage of net charge-offs (x) | 3.0189% | 3,722 |
| Efficiency ratio | 80.4096% | 2,783 |
| Assets per employee ($millions) | 3.2682% | 5,469 |
| Cash dividends to net income (ytd only)* | 99.5833% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 4,978 |
| Loan loss allowance to noncurrent loans | 81.8572% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.1431% | 4,785 |
| Noncurrent loans to loans | 1.4963% | 4,418 |
| Net loans and leases to total assets | 75.4597% | 2,108 |
| Net loans and leases to deposits | 85.9948% | 3,316 |
| Net loans and leases to core deposits | 109.3557% | 3,306 |
| Total domestic deposits to total assets | 87.7491% | 1,779 |
| Equity capital to assets | 11.0236% | 2,985 |
| Core capital (leverage) ratio | 10.7464% | 2,608 |
| Tier 1 risk-based capital ratio | 13.1102% | 4,116 |
| Total risk-based capital ratio | 14.3738% | 4,043 |
| Memoranda: | ||
| Average total assets | $261,826,500 | 2,512 |
| Average earning assets | $236,459,250 | 2,555 |
| Average equity | $28,990,500 | 2,322 |
| Average total loans | $196,751,500 | 2,351 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9944% | 2,203 |
| Cost of funding earning assets | 1.2851% | 6,857 |
| Net interest margin | 4.7093% | 783 |
| Noninterest income to average assets | 0.3580% | 5,646 |
| Noninterest expense to average assets | 3.7445% | 1,752 |
| Loan and lease loss provision to assets | 0.2683% | 4,440 |
| Net operating income to assets | 0.3750% | 4,602 |
| Return on assets (ROA) | 0.4201% | 4,531 |
| Pretax return on assets | 0.6525% | 4,156 |
| Return on Equity (ROE) | 3.7889% | 4,584 |
| Retained earnings to average equity (ytd only) | -0.7329% | 5,408 |
| Net charge-offs to loans | 0.4987% | 2,835 |
| Credit loss provision to net charge-offs | 72.0165% | 5,384 |
| Earnings coverage of net charge-offs (x) | 2.2819% | 3,927 |
| Efficiency ratio | 81.4951% | 2,797 |
| Assets per employee ($millions) | 3.2685% | 5,404 |
| Cash dividends to net income (ytd only)* | 119.3431% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 5,637 |
| Loan loss allowance to noncurrent loans | 492.9705% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 6,626 |
| Noncurrent loans to loans | 0.2222% | 6,952 |
| Net loans and leases to total assets | 72.3712% | 3,123 |
| Net loans and leases to deposits | 83.9979% | 3,877 |
| Net loans and leases to core deposits | 106.1174% | 3,831 |
| Total domestic deposits to total assets | 86.1583% | 2,703 |
| Equity capital to assets | 10.6830% | 3,219 |
| Core capital (leverage) ratio | 10.8651% | 2,516 |
| Tier 1 risk-based capital ratio | 13.0666% | 4,093 |
| Total risk-based capital ratio | 14.4531% | 3,918 |
| Memoranda: | ||
| Average total assets | $260,860,670 | 2,535 |
| Average earning assets | $234,685,330 | 2,579 |
| Average equity | $28,926,670 | 2,338 |
| Average total loans | $194,923,000 | 2,398 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0517% | 2,143 |
| Cost of funding earning assets | 1.2883% | 7,051 |
| Net interest margin | 4.7634% | 663 |
| Noninterest income to average assets | 0.3614% | 5,552 |
| Noninterest expense to average assets | 3.7489% | 1,566 |
| Loan and lease loss provision to assets | 0.3755% | 3,077 |
| Net operating income to assets | 0.3258% | 5,185 |
| Return on assets (ROA) | 0.4193% | 4,955 |
| Pretax return on assets | 0.6446% | 4,607 |
| Return on Equity (ROE) | 3.7094% | 5,081 |
| Retained earnings to average equity (ytd only) | -5.3427% | 6,600 |
| Net charge-offs to loans | 0.8657% | 1,508 |
| Credit loss provision to net charge-offs | 57.4163% | 4,560 |
| Earnings coverage of net charge-offs (x) | 1.3397% | 4,071 |
| Efficiency ratio | 81.0555% | 2,669 |
| Assets per employee ($millions) | 3.0919% | 5,913 |
| Cash dividends to net income (ytd only)* | 244.0299% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 5,608 |
| Loan loss allowance to noncurrent loans | 201.5123% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.5860% | 5,720 |
| Noncurrent loans to loans | 0.5362% | 6,079 |
| Net loans and leases to total assets | 75.1550% | 2,464 |
| Net loans and leases to deposits | 87.7326% | 3,333 |
| Net loans and leases to core deposits | 109.2613% | 3,531 |
| Total domestic deposits to total assets | 85.6637% | 2,889 |
| Equity capital to assets | 11.0574% | 2,914 |
| Core capital (leverage) ratio | 11.1137% | 2,416 |
| Tier 1 risk-based capital ratio | 13.0706% | 4,143 |
| Total risk-based capital ratio | 14.4535% | 3,969 |
| Memoranda: | ||
| Average total assets | $255,650,000 | 2,586 |
| Average earning assets | $228,828,000 | 2,658 |
| Average equity | $28,899,500 | 2,354 |
| Average total loans | $193,132,500 | 2,439 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8212% | 1,609 |
| Cost of funding earning assets | 1.6302% | 7,382 |
| Net interest margin | 5.1910% | 346 |
| Noninterest income to average assets | 0.4010% | 5,460 |
| Noninterest expense to average assets | 3.8466% | 1,666 |
| Loan and lease loss provision to assets | 0.3898% | 3,350 |
| Net operating income to assets | 0.5125% | 4,674 |
| Return on assets (ROA) | 0.5401% | 4,420 |
| Pretax return on assets | 0.8527% | 3,883 |
| Return on Equity (ROE) | 5.2599% | 4,260 |
| Retained earnings to average equity (ytd only) | -0.0701% | 5,283 |
| Net charge-offs to loans | 0.1893% | 4,289 |
| Credit loss provision to net charge-offs | 288.4615% | 1,575 |
| Earnings coverage of net charge-offs (x) | 8.8757% | 2,802 |
| Efficiency ratio | 76.2320% | 3,199 |
| Assets per employee ($millions) | 2.9254% | 6,234 |
| Cash dividends to net income (ytd only)* | 101.3323% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 4,356 |
| Loan loss allowance to noncurrent loans | 143.1227% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.6415% | 5,294 |
| Noncurrent loans to loans | 0.8542% | 4,913 |
| Net loans and leases to total assets | 74.1834% | 3,066 |
| Net loans and leases to deposits | 87.2944% | 3,896 |
| Net loans and leases to core deposits | 106.0994% | 4,189 |
| Total domestic deposits to total assets | 84.9806% | 2,854 |
| Equity capital to assets | 11.5593% | 2,596 |
| Core capital (leverage) ratio | 11.4387% | 2,290 |
| Tier 1 risk-based capital ratio | 13.6545% | 3,722 |
| Total risk-based capital ratio | 15.1664% | 3,506 |
| Memoranda: | ||
| Average total assets | $250,141,200 | 2,564 |
| Average earning assets | $223,831,400 | 2,615 |
| Average equity | $25,685,000 | 2,590 |
| Average total loans | $178,535,800 | 2,519 |