Home > Skylands Community Bank > Performance and Condition Ratios
Skylands Community 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 | 4.8600% | 3,731 |
| Cost of funding earning assets | 0.7027% | 5,750 |
| Net interest margin | 4.1574% | 2,251 |
| Noninterest income to average assets | 0.6431% | 2,926 |
| Noninterest expense to average assets | 2.3679% | 5,857 |
| Loan and lease loss provision to assets | 2.0563% | 256 |
| Net operating income to assets | -0.0731% | 6,250 |
| Return on assets (ROA) | -0.0397% | 6,302 |
| Pretax return on assets | -0.0415% | 6,271 |
| Return on Equity (ROE) | -0.3076% | 6,302 |
| Retained earnings to average equity (ytd only) | -1.9283% | 6,290 |
| Net charge-offs to loans | 1.2324% | 1,256 |
| Credit loss provision to net charge-offs | 248.0652% | 1,156 |
| Earnings coverage of net charge-offs (x) | 2.3886% | 3,930 |
| Efficiency ratio | 53.3321% | 6,564 |
| Assets per employee ($millions) | 6.8764% | 785 |
| Cash dividends to net income (ytd only)* | -526.9582% | 7,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9531% | 898 |
| Loan loss allowance to noncurrent loans | 98.8527% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 2.0905% | 3,040 |
| Noncurrent loans to loans | 2.9873% | 2,317 |
| Net loans and leases to total assets | 66.0537% | 2,891 |
| Net loans and leases to deposits | 80.4427% | 2,597 |
| Net loans and leases to core deposits | 83.0704% | 3,182 |
| Total domestic deposits to total assets | 82.1128% | 5,051 |
| Equity capital to assets | 13.2765% | 1,475 |
| Core capital (leverage) ratio | 8.0974% | 6,287 |
| Tier 1 risk-based capital ratio | 10.7833% | 6,672 |
| Total risk-based capital ratio | 12.4277% | 6,431 |
| Memoranda: | ||
| Average total assets | $1,371,680,750 | 487 |
| Average earning assets | $1,222,372,000 | 490 |
| Average equity | $176,870,250 | 406 |
| Average total loans | $922,587,000 | 457 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8788% | 3,715 |
| Cost of funding earning assets | 0.7328% | 5,766 |
| Net interest margin | 4.1460% | 2,242 |
| Noninterest income to average assets | 0.6418% | 2,896 |
| Noninterest expense to average assets | 2.3143% | 6,083 |
| Loan and lease loss provision to assets | 1.9564% | 321 |
| Net operating income to assets | 0.0437% | 6,135 |
| Return on assets (ROA) | 0.0780% | 6,144 |
| Pretax return on assets | 0.1175% | 6,075 |
| Return on Equity (ROE) | 0.6107% | 6,168 |
| Retained earnings to average equity (ytd only) | -1.8342% | 6,221 |
| Net charge-offs to loans | 1.4920% | 996 |
| Credit loss provision to net charge-offs | 195.7147% | 1,544 |
| Earnings coverage of net charge-offs (x) | 2.0227% | 3,849 |
| Efficiency ratio | 52.2370% | 6,770 |
| Assets per employee ($millions) | 6.8631% | 783 |
| Cash dividends to net income (ytd only)* | 400.3724% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2999% | 1,745 |
| Loan loss allowance to noncurrent loans | 78.3075% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 2.0425% | 3,180 |
| Noncurrent loans to loans | 2.9371% | 2,479 |
| Net loans and leases to total assets | 66.5762% | 2,916 |
| Net loans and leases to deposits | 80.5306% | 2,702 |
| Net loans and leases to core deposits | 83.1990% | 3,337 |
| Total domestic deposits to total assets | 82.6720% | 4,916 |
| Equity capital to assets | 13.0058% | 1,513 |
| Core capital (leverage) ratio | 7.7114% | 6,576 |
| Tier 1 risk-based capital ratio | 10.4337% | 6,811 |
| Total risk-based capital ratio | 12.1942% | 6,546 |
| Memoranda: | ||
| Average total assets | $1,377,356,670 | 493 |
| Average earning assets | $1,227,308,000 | 498 |
| Average equity | $175,876,670 | 411 |
| Average total loans | $922,773,670 | 465 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8292% | 3,915 |
| Cost of funding earning assets | 0.7567% | 5,820 |
| Net interest margin | 4.0725% | 2,377 |
| Noninterest income to average assets | 0.6760% | 2,696 |
| Noninterest expense to average assets | 2.3606% | 6,018 |
| Loan and lease loss provision to assets | 1.0072% | 759 |
| Net operating income to assets | 0.5723% | 4,167 |
| Return on assets (ROA) | 0.6383% | 3,885 |
| Pretax return on assets | 1.0460% | 2,961 |
| Return on Equity (ROE) | 5.0440% | 4,383 |
| Retained earnings to average equity (ytd only) | 3.3384% | 4,177 |
| Net charge-offs to loans | 0.9312% | 1,435 |
| Credit loss provision to net charge-offs | 162.7907% | 1,780 |
| Earnings coverage of net charge-offs (x) | 3.1521% | 2,832 |
| Efficiency ratio | 53.6382% | 6,726 |
| Assets per employee ($millions) | 6.9879% | 743 |
| Cash dividends to net income (ytd only)* | 33.8142% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7192% | 3,279 |
| Loan loss allowance to noncurrent loans | 55.2703% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 2.1517% | 3,126 |
| Noncurrent loans to loans | 3.1106% | 2,409 |
| Net loans and leases to total assets | 66.5762% | 2,866 |
| Net loans and leases to deposits | 80.7521% | 2,563 |
| Net loans and leases to core deposits | 83.5978% | 3,220 |
| Total domestic deposits to total assets | 82.4451% | 5,128 |
| Equity capital to assets | 12.9031% | 1,426 |
| Core capital (leverage) ratio | 7.8054% | 6,460 |
| Tier 1 risk-based capital ratio | 10.5998% | 6,750 |
| Total risk-based capital ratio | 12.3467% | 6,414 |
| Memoranda: | ||
| Average total assets | $1,390,015,000 | 494 |
| Average earning assets | $1,240,621,500 | 500 |
| Average equity | $175,893,500 | 406 |
| Average total loans | $923,497,000 | 471 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0714% | 4,225 |
| Cost of funding earning assets | 1.0973% | 5,148 |
| Net interest margin | 3.9741% | 3,128 |
| Noninterest income to average assets | 0.5621% | 3,727 |
| Noninterest expense to average assets | 2.2811% | 6,410 |
| Loan and lease loss provision to assets | 0.4753% | 3,285 |
| Net operating income to assets | 0.9576% | 2,176 |
| Return on assets (ROA) | 0.9733% | 2,244 |
| Pretax return on assets | 1.3870% | 1,695 |
| Return on Equity (ROE) | 7.9288% | 2,722 |
| Retained earnings to average equity (ytd only) | 2.5486% | 4,089 |
| Net charge-offs to loans | 0.7458% | 2,783 |
| Credit loss provision to net charge-offs | 95.8870% | 4,850 |
| Earnings coverage of net charge-offs (x) | 3.7119% | 3,227 |
| Efficiency ratio | 53.8810% | 6,818 |
| Assets per employee ($millions) | 7.1233% | 709 |
| Cash dividends to net income (ytd only)* | 67.8566% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5884% | 3,624 |
| Loan loss allowance to noncurrent loans | 57.8945% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 1.8242% | 3,595 |
| Noncurrent loans to loans | 2.7437% | 2,770 |
| Net loans and leases to total assets | 64.1375% | 3,846 |
| Net loans and leases to deposits | 77.7425% | 3,549 |
| Net loans and leases to core deposits | 81.3188% | 4,004 |
| Total domestic deposits to total assets | 82.4999% | 5,023 |
| Equity capital to assets | 12.4123% | 1,689 |
| Core capital (leverage) ratio | 7.3133% | 6,836 |
| Tier 1 risk-based capital ratio | 10.2339% | 6,856 |
| Total risk-based capital ratio | 11.9691% | 6,522 |
| Memoranda: | ||
| Average total assets | $1,393,048,200 | 489 |
| Average earning assets | $1,247,513,400 | 488 |
| Average equity | $170,996,000 | 403 |
| Average total loans | $925,805,800 | 489 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1290% | 4,176 |
| Cost of funding earning assets | 1.1301% | 5,253 |
| Net interest margin | 3.9989% | 3,111 |
| Noninterest income to average assets | 0.5265% | 3,970 |
| Noninterest expense to average assets | 2.2494% | 6,468 |
| Loan and lease loss provision to assets | 0.4989% | 2,966 |
| Net operating income to assets | 0.9663% | 2,351 |
| Return on assets (ROA) | 0.9824% | 2,409 |
| Pretax return on assets | 1.3880% | 1,915 |
| Return on Equity (ROE) | 8.0259% | 2,888 |
| Retained earnings to average equity (ytd only) | 0.8095% | 5,486 |
| Net charge-offs to loans | 0.3709% | 3,826 |
| Credit loss provision to net charge-offs | 201.3953% | 1,768 |
| Earnings coverage of net charge-offs (x) | 7.5260% | 2,310 |
| Efficiency ratio | 53.1648% | 6,875 |
| Assets per employee ($millions) | 7.4159% | 643 |
| Cash dividends to net income (ytd only)* | 89.9140% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8863% | 2,524 |
| Loan loss allowance to noncurrent loans | 86.9399% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.3948% | 4,368 |
| Noncurrent loans to loans | 2.1697% | 3,483 |
| Net loans and leases to total assets | 61.9929% | 4,531 |
| Net loans and leases to deposits | 76.0218% | 4,174 |
| Net loans and leases to core deposits | 79.1617% | 4,635 |
| Total domestic deposits to total assets | 81.5463% | 5,184 |
| Equity capital to assets | 11.9329% | 2,203 |
| Core capital (leverage) ratio | 7.1556% | 7,083 |
| Tier 1 risk-based capital ratio | 9.8340% | 7,144 |
| Total risk-based capital ratio | 11.5698% | 6,878 |
| Memoranda: | ||
| Average total assets | $1,388,708,000 | 478 |
| Average earning assets | $1,245,712,750 | 484 |
| Average equity | $169,979,000 | 400 |
| Average total loans | $927,456,750 | 482 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2628% | 3,634 |
| Cost of funding earning assets | 1.1660% | 5,310 |
| Net interest margin | 4.0968% | 2,572 |
| Noninterest income to average assets | 0.4762% | 4,309 |
| Noninterest expense to average assets | 2.2614% | 6,473 |
| Loan and lease loss provision to assets | 0.5434% | 2,603 |
| Net operating income to assets | 0.9359% | 2,414 |
| Return on assets (ROA) | 0.9946% | 2,296 |
| Pretax return on assets | 1.4289% | 1,754 |
| Return on Equity (ROE) | 8.0531% | 2,865 |
| Retained earnings to average equity (ytd only) | -2.8841% | 6,279 |
| Net charge-offs to loans | 0.4221% | 3,310 |
| Credit loss provision to net charge-offs | 189.1160% | 2,083 |
| Earnings coverage of net charge-offs (x) | 6.5723% | 2,441 |
| Efficiency ratio | 52.8835% | 6,989 |
| Assets per employee ($millions) | 7.1765% | 709 |
| Cash dividends to net income (ytd only)* | 135.8134% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7926% | 2,738 |
| Loan loss allowance to noncurrent loans | 100.4652% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 1.1928% | 4,753 |
| Noncurrent loans to loans | 1.7843% | 4,020 |
| Net loans and leases to total assets | 64.1177% | 4,242 |
| Net loans and leases to deposits | 78.9962% | 3,796 |
| Net loans and leases to core deposits | 82.1243% | 4,401 |
| Total domestic deposits to total assets | 81.1656% | 5,344 |
| Equity capital to assets | 11.9773% | 2,112 |
| Core capital (leverage) ratio | 7.2633% | 7,024 |
| Tier 1 risk-based capital ratio | 9.5677% | 7,234 |
| Total risk-based capital ratio | 11.3073% | 6,971 |
| Memoranda: | ||
| Average total assets | $1,362,158,000 | 487 |
| Average earning assets | $1,221,485,000 | 493 |
| Average equity | $168,232,670 | 405 |
| Average total loans | $927,349,330 | 482 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4113% | 2,986 |
| Cost of funding earning assets | 1.2119% | 5,334 |
| Net interest margin | 4.1994% | 2,042 |
| Noninterest income to average assets | 0.4880% | 4,143 |
| Noninterest expense to average assets | 2.2786% | 6,450 |
| Loan and lease loss provision to assets | 0.8103% | 1,556 |
| Net operating income to assets | 0.8261% | 2,855 |
| Return on assets (ROA) | 0.9052% | 2,592 |
| Pretax return on assets | 1.2837% | 2,097 |
| Return on Equity (ROE) | 7.2130% | 3,239 |
| Retained earnings to average equity (ytd only) | -14.7896% | 7,202 |
| Net charge-offs to loans | 0.4211% | 2,782 |
| Credit loss provision to net charge-offs | 276.6393% | 1,434 |
| Earnings coverage of net charge-offs (x) | 6.7684% | 2,166 |
| Efficiency ratio | 51.9862% | 7,156 |
| Assets per employee ($millions) | 6.8080% | 865 |
| Cash dividends to net income (ytd only)* | 305.0398% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7681% | 2,830 |
| Loan loss allowance to noncurrent loans | 102.5984% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 1.3821% | 4,433 |
| Noncurrent loans to loans | 1.7234% | 4,157 |
| Net loans and leases to total assets | 68.0424% | 3,378 |
| Net loans and leases to deposits | 84.7457% | 2,811 |
| Net loans and leases to core deposits | 88.4899% | 3,573 |
| Total domestic deposits to total assets | 80.2900% | 5,690 |
| Equity capital to assets | 12.2703% | 1,896 |
| Core capital (leverage) ratio | 7.1243% | 7,162 |
| Tier 1 risk-based capital ratio | 9.2619% | 7,405 |
| Total risk-based capital ratio | 11.1288% | 7,103 |
| Memoranda: | ||
| Average total assets | $1,332,762,000 | 514 |
| Average earning assets | $1,197,494,000 | 517 |
| Average equity | $167,253,000 | 412 |
| Average total loans | $927,168,500 | 507 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5525% | 3,856 |
| Cost of funding earning assets | 1.6213% | 4,925 |
| Net interest margin | 3.9311% | 3,154 |
| Noninterest income to average assets | 0.4892% | 4,495 |
| Noninterest expense to average assets | 2.3304% | 6,660 |
| Loan and lease loss provision to assets | 0.6788% | 3,106 |
| Net operating income to assets | 0.7255% | 2,830 |
| Return on assets (ROA) | 0.8066% | 2,598 |
| Pretax return on assets | 1.1098% | 2,215 |
| Return on Equity (ROE) | 6.5031% | 2,991 |
| Retained earnings to average equity (ytd only) | 4.8614% | 1,895 |
| Net charge-offs to loans | 0.6390% | 3,279 |
| Credit loss provision to net charge-offs | 150.9814% | 3,057 |
| Earnings coverage of net charge-offs (x) | 3.7313% | 3,225 |
| Efficiency ratio | 56.1985% | 6,994 |
| Assets per employee ($millions) | 6.5888% | 948 |
| Cash dividends to net income (ytd only)* | 25.2454% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 3,250 |
| Loan loss allowance to noncurrent loans | 90.9841% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.2846% | 4,516 |
| Noncurrent loans to loans | 1.7680% | 3,985 |
| Net loans and leases to total assets | 68.7476% | 3,539 |
| Net loans and leases to deposits | 86.7354% | 2,791 |
| Net loans and leases to core deposits | 102.6323% | 3,733 |
| Total domestic deposits to total assets | 79.2613% | 5,916 |
| Equity capital to assets | 12.8319% | 1,579 |
| Core capital (leverage) ratio | 7.5299% | 6,760 |
| Tier 1 risk-based capital ratio | 9.9406% | 6,926 |
| Total risk-based capital ratio | 11.8094% | 6,318 |
| Memoranda: | ||
| Average total assets | $1,325,953,800 | 511 |
| Average earning assets | $1,186,808,800 | 512 |
| Average equity | $164,460,400 | 424 |
| Average total loans | $932,906,400 | 510 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5635% | 4,072 |
| Cost of funding earning assets | 1.7038% | 4,878 |
| Net interest margin | 3.8598% | 3,389 |
| Noninterest income to average assets | 0.4947% | 4,529 |
| Noninterest expense to average assets | 2.3183% | 6,647 |
| Loan and lease loss provision to assets | 0.7841% | 2,413 |
| Net operating income to assets | 0.6330% | 3,485 |
| Return on assets (ROA) | 0.7429% | 3,104 |
| Pretax return on assets | 0.9877% | 2,945 |
| Return on Equity (ROE) | 6.0415% | 3,508 |
| Retained earnings to average equity (ytd only) | 3.8342% | 3,149 |
| Net charge-offs to loans | 0.5610% | 2,998 |
| Credit loss provision to net charge-offs | 198.3219% | 2,259 |
| Earnings coverage of net charge-offs (x) | 4.1111% | 3,258 |
| Efficiency ratio | 56.8046% | 6,894 |
| Assets per employee ($millions) | 6.8039% | 860 |
| Cash dividends to net income (ytd only)* | 36.5358% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 3,235 |
| Loan loss allowance to noncurrent loans | 122.7797% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.8749% | 5,331 |
| Noncurrent loans to loans | 1.2534% | 4,849 |
| Net loans and leases to total assets | 66.7469% | 4,247 |
| Net loans and leases to deposits | 83.0406% | 3,821 |
| Net loans and leases to core deposits | 99.3700% | 4,443 |
| Total domestic deposits to total assets | 80.3786% | 5,299 |
| Equity capital to assets | 12.2691% | 2,088 |
| Core capital (leverage) ratio | 7.2185% | 7,249 |
| Tier 1 risk-based capital ratio | 9.4804% | 7,391 |
| Total risk-based capital ratio | 11.3433% | 6,829 |
| Memoranda: | ||
| Average total assets | $1,326,356,250 | 523 |
| Average earning assets | $1,185,193,750 | 525 |
| Average equity | $163,090,750 | 437 |
| Average total loans | $934,798,000 | 524 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6018% | 4,069 |
| Cost of funding earning assets | 1.7952% | 4,783 |
| Net interest margin | 3.8066% | 3,530 |
| Noninterest income to average assets | 0.4825% | 4,603 |
| Noninterest expense to average assets | 2.3366% | 6,655 |
| Loan and lease loss provision to assets | 0.7923% | 2,109 |
| Net operating income to assets | 0.5483% | 3,889 |
| Return on assets (ROA) | 0.7065% | 3,329 |
| Pretax return on assets | 0.9579% | 3,152 |
| Return on Equity (ROE) | 5.7416% | 3,768 |
| Retained earnings to average equity (ytd only) | 2.3984% | 3,996 |
| Net charge-offs to loans | 0.7792% | 2,119 |
| Credit loss provision to net charge-offs | 142.3877% | 3,268 |
| Earnings coverage of net charge-offs (x) | 2.7612% | 3,702 |
| Efficiency ratio | 58.2910% | 6,814 |
| Assets per employee ($millions) | 6.6558% | 905 |
| Cash dividends to net income (ytd only)* | 58.2273% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 3,613 |
| Loan loss allowance to noncurrent loans | 118.9791% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.8480% | 5,287 |
| Noncurrent loans to loans | 1.1953% | 4,825 |
| Net loans and leases to total assets | 68.2796% | 4,113 |
| Net loans and leases to deposits | 85.0036% | 3,730 |
| Net loans and leases to core deposits | 102.2921% | 4,263 |
| Total domestic deposits to total assets | 80.3256% | 5,344 |
| Equity capital to assets | 11.9346% | 2,244 |
| Core capital (leverage) ratio | 7.2276% | 7,327 |
| Tier 1 risk-based capital ratio | 8.9097% | 7,739 |
| Total risk-based capital ratio | 10.7510% | 7,345 |
| Memoranda: | ||
| Average total assets | $1,312,610,670 | 540 |
| Average earning assets | $1,169,114,000 | 547 |
| Average equity | $161,523,670 | 445 |
| Average total loans | $937,366,330 | 537 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6372% | 4,122 |
| Cost of funding earning assets | 1.8558% | 4,846 |
| Net interest margin | 3.7814% | 3,530 |
| Noninterest income to average assets | 0.4658% | 4,633 |
| Noninterest expense to average assets | 2.2472% | 6,701 |
| Loan and lease loss provision to assets | 0.8041% | 1,602 |
| Net operating income to assets | 0.5844% | 4,084 |
| Return on assets (ROA) | 0.7964% | 3,307 |
| Pretax return on assets | 1.0914% | 3,020 |
| Return on Equity (ROE) | 6.3714% | 3,876 |
| Retained earnings to average equity (ytd only) | 6.3714% | 2,470 |
| Net charge-offs to loans | 0.2575% | 3,121 |
| Credit loss provision to net charge-offs | 430.4636% | 1,224 |
| Earnings coverage of net charge-offs (x) | 8.5927% | 2,170 |
| Efficiency ratio | 56.2540% | 6,939 |
| Assets per employee ($millions) | 6.3985% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4766% | 3,109 |
| Loan loss allowance to noncurrent loans | 183.4463% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 5,707 |
| Noncurrent loans to loans | 0.8049% | 5,425 |
| Net loans and leases to total assets | 70.2391% | 3,619 |
| Net loans and leases to deposits | 87.6661% | 3,344 |
| Net loans and leases to core deposits | 107.1097% | 3,783 |
| Total domestic deposits to total assets | 80.1211% | 5,322 |
| Equity capital to assets | 12.3926% | 2,035 |
| Core capital (leverage) ratio | 7.5620% | 7,078 |
| Tier 1 risk-based capital ratio | 9.2690% | 7,612 |
| Total risk-based capital ratio | 11.1321% | 6,948 |
| Memoranda: | ||
| Average total assets | $1,293,348,500 | 547 |
| Average earning assets | $1,158,313,500 | 562 |
| Average equity | $161,659,500 | 439 |
| Average total loans | $938,120,000 | 540 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1739% | 4,643 |
| Cost of funding earning assets | 2.3295% | 5,013 |
| Net interest margin | 3.8444% | 3,819 |
| Noninterest income to average assets | 0.5302% | 4,391 |
| Noninterest expense to average assets | 2.2379% | 6,868 |
| Loan and lease loss provision to assets | 0.6388% | 2,278 |
| Net operating income to assets | 0.8457% | 3,237 |
| Return on assets (ROA) | 0.7263% | 3,610 |
| Pretax return on assets | 0.9240% | 3,645 |
| Return on Equity (ROE) | 5.7438% | 4,048 |
| Retained earnings to average equity (ytd only) | 2.8876% | 3,381 |
| Net charge-offs to loans | 0.4536% | 2,566 |
| Credit loss provision to net charge-offs | 196.9890% | 2,486 |
| Earnings coverage of net charge-offs (x) | 5.2854% | 3,697 |
| Efficiency ratio | 54.2595% | 7,241 |
| Assets per employee ($millions) | 6.2500% | 1,009 |
| Cash dividends to net income (ytd only)* | 49.7268% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 4,094 |
| Loan loss allowance to noncurrent loans | 138.9105% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.6842% | 5,173 |
| Noncurrent loans to loans | 0.9031% | 4,814 |
| Net loans and leases to total assets | 72.8864% | 3,390 |
| Net loans and leases to deposits | 97.1199% | 2,272 |
| Net loans and leases to core deposits | 117.5819% | 2,941 |
| Total domestic deposits to total assets | 75.0479% | 6,442 |
| Equity capital to assets | 12.6091% | 1,963 |
| Core capital (leverage) ratio | 7.3348% | 7,381 |
| Tier 1 risk-based capital ratio | 9.1252% | 7,687 |
| Total risk-based capital ratio | 10.9705% | 6,961 |
| Memoranda: | ||
| Average total assets | $1,259,756,800 | 537 |
| Average earning assets | $1,121,215,800 | 545 |
| Average equity | $159,301,800 | 445 |
| Average total loans | $900,669,400 | 540 |