Home > Scandia American Bank & Trust > Performance and Condition Ratios
Scandia American Bank & Trust, 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 | 3.8424% | 6,793 |
| Cost of funding earning assets | 0.5243% | 6,605 |
| Net interest margin | 3.3180% | 5,813 |
| Noninterest income to average assets | 0.2840% | 5,576 |
| Noninterest expense to average assets | 1.7478% | 7,046 |
| Loan and lease loss provision to assets | 0.1029% | 5,160 |
| Net operating income to assets | 0.8620% | 2,902 |
| Return on assets (ROA) | 0.8702% | 3,005 |
| Pretax return on assets | 1.1608% | 2,780 |
| Return on Equity (ROE) | 9.7467% | 2,299 |
| Retained earnings to average equity (ytd only) | 9.7467% | 919 |
| Net charge-offs to loans | 0.0719% | 5,240 |
| Credit loss provision to net charge-offs | 414.7059% | 686 |
| Earnings coverage of net charge-offs (x) | 50.4730% | 641 |
| Efficiency ratio | 51.2652% | 6,747 |
| Assets per employee ($millions) | 6.7733% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 5,584 |
| Loan loss allowance to noncurrent loans | 453.7975% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 6,854 |
| Noncurrent loans to loans | 0.2580% | 6,359 |
| Net loans and leases to total assets | 30.8109% | 7,062 |
| Net loans and leases to deposits | 34.2717% | 7,123 |
| Net loans and leases to core deposits | 35.6972% | 7,125 |
| Total domestic deposits to total assets | 89.9021% | 922 |
| Equity capital to assets | 8.8868% | 5,877 |
| Core capital (leverage) ratio | 7.3635% | 6,829 |
| Tier 1 risk-based capital ratio | 14.1319% | 4,253 |
| Total risk-based capital ratio | 14.8685% | 4,605 |
| Memoranda: | ||
| Average total assets | $182,630,000 | 3,309 |
| Average earning assets | $149,522,750 | 3,612 |
| Average equity | $16,306,000 | 3,691 |
| Average total loans | $63,020,250 | 4,797 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8652% | 6,849 |
| Cost of funding earning assets | 0.5812% | 6,538 |
| Net interest margin | 3.2840% | 5,907 |
| Noninterest income to average assets | 0.3089% | 5,420 |
| Noninterest expense to average assets | 1.7660% | 7,116 |
| Loan and lease loss provision to assets | 0.1483% | 4,457 |
| Net operating income to assets | 0.8087% | 3,028 |
| Return on assets (ROA) | 0.8212% | 3,094 |
| Pretax return on assets | 1.1155% | 2,792 |
| Return on Equity (ROE) | 9.1819% | 2,443 |
| Retained earnings to average equity (ytd only) | 9.1819% | 1,053 |
| Net charge-offs to loans | 0.0346% | 5,368 |
| Credit loss provision to net charge-offs | 1,200.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 100.9091% | 365 |
| Efficiency ratio | 51.4541% | 6,832 |
| Assets per employee ($millions) | 6.2839% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 5,209 |
| Loan loss allowance to noncurrent loans | 244.4816% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 6,590 |
| Noncurrent loans to loans | 0.5189% | 5,867 |
| Net loans and leases to total assets | 31.2190% | 7,136 |
| Net loans and leases to deposits | 34.8238% | 7,196 |
| Net loans and leases to core deposits | 35.1227% | 7,238 |
| Total domestic deposits to total assets | 89.6484% | 1,158 |
| Equity capital to assets | 9.1570% | 5,344 |
| Core capital (leverage) ratio | 7.4990% | 6,744 |
| Tier 1 risk-based capital ratio | 15.6236% | 3,172 |
| Total risk-based capital ratio | 16.4886% | 3,336 |
| Memoranda: | ||
| Average total assets | $178,031,000 | 3,396 |
| Average earning assets | $146,589,330 | 3,676 |
| Average equity | $15,922,670 | 3,745 |
| Average total loans | $63,614,330 | 4,811 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9526% | 6,760 |
| Cost of funding earning assets | 0.6447% | 6,403 |
| Net interest margin | 3.3080% | 5,748 |
| Noninterest income to average assets | 0.2933% | 5,573 |
| Noninterest expense to average assets | 1.8848% | 7,015 |
| Loan and lease loss provision to assets | 0.0205% | 5,695 |
| Net operating income to assets | 0.8003% | 3,034 |
| Return on assets (ROA) | 0.8003% | 3,100 |
| Pretax return on assets | 1.1414% | 2,602 |
| Return on Equity (ROE) | 9.0602% | 2,454 |
| Retained earnings to average equity (ytd only) | 9.0602% | 1,365 |
| Net charge-offs to loans | 0.0540% | 4,398 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 56.7778% | 518 |
| Efficiency ratio | 58.2090% | 6,243 |
| Assets per employee ($millions) | 6.2789% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 6,246 |
| Loan loss allowance to noncurrent loans | 244.0000% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 6,706 |
| Noncurrent loans to loans | 0.4271% | 6,148 |
| Net loans and leases to total assets | 31.8147% | 7,176 |
| Net loans and leases to deposits | 35.2662% | 7,241 |
| Net loans and leases to core deposits | 35.6047% | 7,274 |
| Total domestic deposits to total assets | 90.2130% | 1,015 |
| Equity capital to assets | 8.7073% | 5,648 |
| Core capital (leverage) ratio | 7.2029% | 6,915 |
| Tier 1 risk-based capital ratio | 14.3666% | 3,824 |
| Total risk-based capital ratio | 15.0620% | 4,183 |
| Memoranda: | ||
| Average total assets | $175,930,500 | 3,454 |
| Average earning assets | $146,433,500 | 3,708 |
| Average equity | $15,540,500 | 3,804 |
| Average total loans | $66,610,500 | 4,749 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7753% | 5,506 |
| Cost of funding earning assets | 0.8340% | 6,427 |
| Net interest margin | 3.9413% | 3,298 |
| Noninterest income to average assets | 0.3332% | 5,401 |
| Noninterest expense to average assets | 2.2568% | 6,464 |
| Loan and lease loss provision to assets | 0.1453% | 5,732 |
| Net operating income to assets | 1.0685% | 1,809 |
| Return on assets (ROA) | 1.0685% | 1,898 |
| Pretax return on assets | 1.4224% | 1,590 |
| Return on Equity (ROE) | 11.3902% | 1,484 |
| Retained earnings to average equity (ytd only) | 11.3902% | 344 |
| Net charge-offs to loans | 0.0152% | 6,673 |
| Credit loss provision to net charge-offs | 2,110.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 227.7000% | 107 |
| Efficiency ratio | 55.4995% | 6,655 |
| Assets per employee ($millions) | 5.4765% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8168% | 6,935 |
| Loan loss allowance to noncurrent loans | 240.1575% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 6,728 |
| Noncurrent loans to loans | 0.3401% | 6,377 |
| Net loans and leases to total assets | 43.6291% | 6,743 |
| Net loans and leases to deposits | 48.7126% | 6,913 |
| Net loans and leases to core deposits | 49.2140% | 7,012 |
| Total domestic deposits to total assets | 89.5642% | 1,349 |
| Equity capital to assets | 8.9685% | 5,188 |
| Core capital (leverage) ratio | 7.4827% | 6,718 |
| Tier 1 risk-based capital ratio | 12.5459% | 4,984 |
| Total risk-based capital ratio | 13.1722% | 5,523 |
| Memoranda: | ||
| Average total assets | $145,247,600 | 3,962 |
| Average earning assets | $128,662,200 | 4,050 |
| Average equity | $13,625,800 | 4,233 |
| Average total loans | $65,781,200 | 4,834 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8084% | 5,625 |
| Cost of funding earning assets | 0.8915% | 6,427 |
| Net interest margin | 3.9168% | 3,457 |
| Noninterest income to average assets | 0.3249% | 5,555 |
| Noninterest expense to average assets | 2.2858% | 6,371 |
| Loan and lease loss provision to assets | 0.0460% | 6,631 |
| Net operating income to assets | 1.1568% | 1,715 |
| Return on assets (ROA) | 1.1568% | 1,810 |
| Pretax return on assets | 1.5047% | 1,603 |
| Return on Equity (ROE) | 12.1679% | 1,454 |
| Retained earnings to average equity (ytd only) | 12.1679% | 442 |
| Net charge-offs to loans | 0.0189% | 6,408 |
| Credit loss provision to net charge-offs | 533.3333% | 543 |
| Earnings coverage of net charge-offs (x) | 179.7733% | 179 |
| Efficiency ratio | 55.9331% | 6,564 |
| Assets per employee ($millions) | 5.2092% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5985% | 7,356 |
| Loan loss allowance to noncurrent loans | 184.3621% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 6,865 |
| Noncurrent loans to loans | 0.3247% | 6,544 |
| Net loans and leases to total assets | 46.0727% | 6,687 |
| Net loans and leases to deposits | 52.1911% | 6,887 |
| Net loans and leases to core deposits | 52.6063% | 7,027 |
| Total domestic deposits to total assets | 88.2769% | 1,816 |
| Equity capital to assets | 9.6462% | 4,626 |
| Core capital (leverage) ratio | 7.7804% | 6,590 |
| Tier 1 risk-based capital ratio | 12.1679% | 5,304 |
| Total risk-based capital ratio | 13.0934% | 5,575 |
| Memoranda: | ||
| Average total assets | $139,116,500 | 4,121 |
| Average earning assets | $124,723,750 | 4,193 |
| Average equity | $13,225,750 | 4,387 |
| Average total loans | $63,556,500 | 4,999 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8899% | 5,436 |
| Cost of funding earning assets | 0.9722% | 6,278 |
| Net interest margin | 3.9177% | 3,363 |
| Noninterest income to average assets | 0.3691% | 5,190 |
| Noninterest expense to average assets | 2.3880% | 6,098 |
| Loan and lease loss provision to assets | 0.0592% | 6,365 |
| Net operating income to assets | 1.0861% | 1,903 |
| Return on assets (ROA) | 1.0861% | 1,975 |
| Pretax return on assets | 1.4416% | 1,720 |
| Return on Equity (ROE) | 11.4933% | 1,599 |
| Retained earnings to average equity (ytd only) | 11.4933% | 569 |
| Net charge-offs to loans | 0.0268% | 5,957 |
| Credit loss provision to net charge-offs | 487.5000% | 762 |
| Earnings coverage of net charge-offs (x) | 123.5000% | 274 |
| Efficiency ratio | 57.5781% | 6,439 |
| Assets per employee ($millions) | 5.1058% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6119% | 7,394 |
| Loan loss allowance to noncurrent loans | 56.2660% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 0.5628% | 6,068 |
| Noncurrent loans to loans | 1.0875% | 5,147 |
| Net loans and leases to total assets | 46.6590% | 6,731 |
| Net loans and leases to deposits | 52.6537% | 6,936 |
| Net loans and leases to core deposits | 53.2607% | 7,071 |
| Total domestic deposits to total assets | 88.6148% | 1,667 |
| Equity capital to assets | 9.6238% | 4,510 |
| Core capital (leverage) ratio | 7.4291% | 6,893 |
| Tier 1 risk-based capital ratio | 12.3829% | 4,960 |
| Total risk-based capital ratio | 12.8697% | 5,615 |
| Memoranda: | ||
| Average total assets | $131,660,670 | 4,306 |
| Average earning assets | $118,284,670 | 4,361 |
| Average equity | $12,442,000 | 4,565 |
| Average total loans | $59,792,670 | 5,186 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2016% | 4,005 |
| Cost of funding earning assets | 1.0621% | 6,077 |
| Net interest margin | 4.1395% | 2,272 |
| Noninterest income to average assets | 0.3375% | 5,444 |
| Noninterest expense to average assets | 2.6335% | 5,215 |
| Loan and lease loss provision to assets | 0.0298% | 6,379 |
| Net operating income to assets | 0.9363% | 2,408 |
| Return on assets (ROA) | 0.9363% | 2,469 |
| Pretax return on assets | 1.4392% | 1,673 |
| Return on Equity (ROE) | 10.0244% | 2,095 |
| Retained earnings to average equity (ytd only) | 10.0244% | 1,134 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2419% | 6,119 |
| Assets per employee ($millions) | 3.8527% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6516% | 7,426 |
| Loan loss allowance to noncurrent loans | 115.4696% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2942% | 6,744 |
| Noncurrent loans to loans | 0.5643% | 6,171 |
| Net loans and leases to total assets | 42.4149% | 7,101 |
| Net loans and leases to deposits | 47.7300% | 7,245 |
| Net loans and leases to core deposits | 48.4757% | 7,342 |
| Total domestic deposits to total assets | 88.8643% | 1,589 |
| Equity capital to assets | 9.3886% | 4,692 |
| Core capital (leverage) ratio | 7.2468% | 7,073 |
| Tier 1 risk-based capital ratio | 12.7562% | 4,515 |
| Total risk-based capital ratio | 13.2414% | 5,163 |
| Memoranda: | ||
| Average total assets | $120,904,500 | 4,607 |
| Average earning assets | $109,966,000 | 4,613 |
| Average equity | $11,292,500 | 4,899 |
| Average total loans | $53,734,500 | 5,504 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7687% | 7,009 |
| Cost of funding earning assets | 0.9972% | 7,212 |
| Net interest margin | 3.7715% | 3,831 |
| Noninterest income to average assets | 0.1705% | 6,859 |
| Noninterest expense to average assets | 1.7487% | 7,659 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.3354% | 966 |
| Return on assets (ROA) | 1.3354% | 1,014 |
| Pretax return on assets | 1.8492% | 574 |
| Return on Equity (ROE) | 14.2316% | 748 |
| Retained earnings to average equity (ytd only) | 14.2316% | 111 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9564% | 7,826 |
| Assets per employee ($millions) | 7.6294% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 6,656 |
| Loan loss allowance to noncurrent loans | 1,168.5714% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 7,419 |
| Noncurrent loans to loans | 0.0808% | 7,209 |
| Net loans and leases to total assets | 46.8701% | 6,904 |
| Net loans and leases to deposits | 51.9359% | 7,156 |
| Net loans and leases to core deposits | 57.4268% | 7,359 |
| Total domestic deposits to total assets | 90.2461% | 858 |
| Equity capital to assets | 9.2602% | 4,757 |
| Core capital (leverage) ratio | 7.5198% | 6,769 |
| Tier 1 risk-based capital ratio | 11.2095% | 5,709 |
| Total risk-based capital ratio | 11.9167% | 6,214 |
| Memoranda: | ||
| Average total assets | $81,547,600 | 5,683 |
| Average earning assets | $74,108,200 | 5,675 |
| Average equity | $7,652,000 | 6,034 |
| Average total loans | $39,765,400 | 6,122 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8085% | 7,105 |
| Cost of funding earning assets | 1.0552% | 7,275 |
| Net interest margin | 3.7533% | 3,850 |
| Noninterest income to average assets | 0.1636% | 7,032 |
| Noninterest expense to average assets | 1.7357% | 7,723 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2330% | 1,392 |
| Return on assets (ROA) | 1.2330% | 1,453 |
| Pretax return on assets | 1.8419% | 741 |
| Return on Equity (ROE) | 13.0903% | 1,100 |
| Retained earnings to average equity (ytd only) | 13.0903% | 252 |
| Net charge-offs to loans | 0.0034% | 6,938 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 1,094.7068% | 19 |
| Efficiency ratio | 41.6313% | 7,894 |
| Assets per employee ($millions) | 6.6221% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9210% | 6,669 |
| Loan loss allowance to noncurrent loans | 818.0000% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 7,412 |
| Noncurrent loans to loans | 0.1126% | 7,195 |
| Net loans and leases to total assets | 51.1111% | 6,692 |
| Net loans and leases to deposits | 57.8719% | 6,972 |
| Net loans and leases to core deposits | 64.9370% | 7,205 |
| Total domestic deposits to total assets | 88.3176% | 1,507 |
| Equity capital to assets | 9.4184% | 4,862 |
| Core capital (leverage) ratio | 7.3470% | 7,137 |
| Tier 1 risk-based capital ratio | 10.6702% | 6,275 |
| Total risk-based capital ratio | 11.3883% | 6,789 |
| Memoranda: | ||
| Average total assets | $79,046,250 | 5,797 |
| Average earning assets | $71,899,000 | 5,788 |
| Average equity | $7,445,500 | 6,174 |
| Average total loans | $38,876,750 | 6,205 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7948% | 7,238 |
| Cost of funding earning assets | 1.0843% | 7,404 |
| Net interest margin | 3.7106% | 3,906 |
| Noninterest income to average assets | 0.1486% | 7,203 |
| Noninterest expense to average assets | 1.7836% | 7,762 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1108% | 1,735 |
| Return on assets (ROA) | 1.1108% | 1,814 |
| Pretax return on assets | 1.7471% | 938 |
| Return on Equity (ROE) | 11.7929% | 1,482 |
| Retained earnings to average equity (ytd only) | 11.7929% | 474 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2792% | 7,944 |
| Assets per employee ($millions) | 6.6166% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 6,104 |
| Loan loss allowance to noncurrent loans | 117.4785% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.4396% | 6,352 |
| Noncurrent loans to loans | 0.8649% | 5,485 |
| Net loans and leases to total assets | 50.3054% | 6,841 |
| Net loans and leases to deposits | 56.3476% | 7,140 |
| Net loans and leases to core deposits | 63.6424% | 7,316 |
| Total domestic deposits to total assets | 89.2769% | 1,133 |
| Equity capital to assets | 9.4371% | 4,693 |
| Core capital (leverage) ratio | 7.0548% | 7,497 |
| Tier 1 risk-based capital ratio | 10.4861% | 6,391 |
| Total risk-based capital ratio | 11.2373% | 6,874 |
| Memoranda: | ||
| Average total assets | $76,699,330 | 5,898 |
| Average earning assets | $69,908,670 | 5,888 |
| Average equity | $7,224,670 | 6,294 |
| Average total loans | $37,032,670 | 6,340 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7949% | 7,376 |
| Cost of funding earning assets | 1.1289% | 7,465 |
| Net interest margin | 3.6660% | 4,036 |
| Noninterest income to average assets | 0.1327% | 7,339 |
| Noninterest expense to average assets | 1.7147% | 7,809 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1360% | 1,847 |
| Return on assets (ROA) | 1.1360% | 1,961 |
| Pretax return on assets | 1.7625% | 1,055 |
| Return on Equity (ROE) | 12.0725% | 1,639 |
| Retained earnings to average equity (ytd only) | 12.0725% | 773 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8321% | 8,005 |
| Assets per employee ($millions) | 6.8883% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 4,858 |
| Loan loss allowance to noncurrent loans | 872.3404% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 7,414 |
| Noncurrent loans to loans | 0.1367% | 7,131 |
| Net loans and leases to total assets | 44.8457% | 7,276 |
| Net loans and leases to deposits | 49.8547% | 7,502 |
| Net loans and leases to core deposits | 56.7269% | 7,581 |
| Total domestic deposits to total assets | 89.9526% | 824 |
| Equity capital to assets | 9.4192% | 4,783 |
| Core capital (leverage) ratio | 7.1661% | 7,515 |
| Tier 1 risk-based capital ratio | 11.1837% | 5,717 |
| Total risk-based capital ratio | 12.0232% | 6,024 |
| Memoranda: | ||
| Average total assets | $75,349,500 | 5,965 |
| Average earning assets | $68,739,000 | 5,959 |
| Average equity | $7,090,500 | 6,375 |
| Average total loans | $35,373,000 | 6,470 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6639% | 6,889 |
| Cost of funding earning assets | 1.9330% | 6,634 |
| Net interest margin | 3.7308% | 4,322 |
| Noninterest income to average assets | 0.1970% | 7,040 |
| Noninterest expense to average assets | 1.9212% | 7,579 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0272% | 2,442 |
| Return on assets (ROA) | 1.0272% | 2,330 |
| Pretax return on assets | 1.5772% | 1,450 |
| Return on Equity (ROE) | 9.9726% | 2,270 |
| Retained earnings to average equity (ytd only) | 2.3828% | 3,718 |
| Net charge-offs to loans | -0.0089% | 7,839 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4703% | 7,903 |
| Assets per employee ($millions) | 6.8116% | 769 |
| Cash dividends to net income (ytd only)* | 76.1062% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 5,083 |
| Loan loss allowance to noncurrent loans | 2,733.3333% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 7,519 |
| Noncurrent loans to loans | 0.0413% | 7,337 |
| Net loans and leases to total assets | 47.9741% | 7,191 |
| Net loans and leases to deposits | 53.1934% | 7,478 |
| Net loans and leases to core deposits | 60.9079% | 7,541 |
| Total domestic deposits to total assets | 90.1879% | 579 |
| Equity capital to assets | 9.4010% | 4,820 |
| Core capital (leverage) ratio | 7.6438% | 7,016 |
| Tier 1 risk-based capital ratio | 11.5165% | 5,225 |
| Total risk-based capital ratio | 12.4247% | 5,451 |
| Memoranda: | ||
| Average total assets | $66,001,600 | 6,161 |
| Average earning assets | $58,405,200 | 6,245 |
| Average equity | $6,798,600 | 6,524 |
| Average total loans | $33,613,600 | 6,506 |