Home > South Louisiana Business Bank > Performance and Condition Ratios
South Louisiana Business 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 | 4.4385% | 5,464 |
| Cost of funding earning assets | 1.3467% | 1,469 |
| Net interest margin | 3.0918% | 6,398 |
| Noninterest income to average assets | 0.0244% | 7,033 |
| Noninterest expense to average assets | 3.8792% | 1,187 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.4764% | 6,628 |
| Return on assets (ROA) | -0.4764% | 6,673 |
| Pretax return on assets | -0.9772% | 6,868 |
| Return on Equity (ROE) | -1.9160% | 6,474 |
| Retained earnings to average equity (ytd only) | -1.9160% | 6,286 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.6754% | 208 |
| Assets per employee ($millions) | 5.6319% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 5,647 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6017% | 5,616 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 61.8028% | 3,777 |
| Net loans and leases to deposits | 81.9409% | 2,367 |
| Net loans and leases to core deposits | 83.6029% | 3,112 |
| Total domestic deposits to total assets | 75.4237% | 6,594 |
| Equity capital to assets | 24.0476% | 130 |
| Core capital (leverage) ratio | 22.2285% | 148 |
| Tier 1 risk-based capital ratio | 32.8480% | 425 |
| Total risk-based capital ratio | 33.9385% | 423 |
| Memoranda: | ||
| Average total assets | $49,253,250 | 6,447 |
| Average earning assets | $45,840,750 | 6,393 |
| Average equity | $12,247,500 | 4,500 |
| Average total loans | $30,365,750 | 6,203 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4365% | 5,564 |
| Cost of funding earning assets | 1.4010% | 1,417 |
| Net interest margin | 3.0355% | 6,539 |
| Noninterest income to average assets | 0.0574% | 7,015 |
| Noninterest expense to average assets | 3.1942% | 2,918 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0451% | 6,130 |
| Return on assets (ROA) | 0.0451% | 6,210 |
| Pretax return on assets | -0.3116% | 6,540 |
| Return on Equity (ROE) | 0.1793% | 6,273 |
| Retained earnings to average equity (ytd only) | 0.1793% | 5,768 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.8108% | 466 |
| Assets per employee ($millions) | 5.0193% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 5,599 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6077% | 5,699 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 60.8153% | 4,126 |
| Net loans and leases to deposits | 80.7903% | 2,646 |
| Net loans and leases to core deposits | 82.4421% | 3,439 |
| Total domestic deposits to total assets | 75.2754% | 6,696 |
| Equity capital to assets | 24.4835% | 129 |
| Core capital (leverage) ratio | 23.2113% | 139 |
| Tier 1 risk-based capital ratio | 33.5648% | 398 |
| Total risk-based capital ratio | 34.6584% | 394 |
| Memoranda: | ||
| Average total assets | $48,775,330 | 6,517 |
| Average earning assets | $45,395,670 | 6,461 |
| Average equity | $12,267,000 | 4,487 |
| Average total loans | $29,923,330 | 6,278 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3339% | 5,902 |
| Cost of funding earning assets | 1.4237% | 1,499 |
| Net interest margin | 2.9101% | 6,740 |
| Noninterest income to average assets | 0.0499% | 7,138 |
| Noninterest expense to average assets | 3.2621% | 2,669 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1498% | 5,949 |
| Return on assets (ROA) | 0.1498% | 6,005 |
| Pretax return on assets | -0.5076% | 6,754 |
| Return on Equity (ROE) | 0.5875% | 6,246 |
| Retained earnings to average equity (ytd only) | 0.5875% | 5,596 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.4290% | 364 |
| Assets per employee ($millions) | 5.0086% | 2,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 5,628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6090% | 5,753 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 60.2683% | 4,215 |
| Net loans and leases to deposits | 80.0180% | 2,724 |
| Net loans and leases to core deposits | 81.6478% | 3,503 |
| Total domestic deposits to total assets | 75.3185% | 6,757 |
| Equity capital to assets | 24.5098% | 125 |
| Core capital (leverage) ratio | 24.1429% | 121 |
| Tier 1 risk-based capital ratio | 33.8905% | 378 |
| Total risk-based capital ratio | 34.9937% | 372 |
| Memoranda: | ||
| Average total assets | $48,066,500 | 6,584 |
| Average earning assets | $44,671,500 | 6,536 |
| Average equity | $12,256,000 | 4,496 |
| Average total loans | $29,439,000 | 6,359 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2010% | 6,920 |
| Cost of funding earning assets | 1.6080% | 2,026 |
| Net interest margin | 2.5930% | 7,210 |
| Noninterest income to average assets | 0.0604% | 7,058 |
| Noninterest expense to average assets | 3.5880% | 1,954 |
| Loan and lease loss provision to assets | 0.3355% | 4,135 |
| Net operating income to assets | -0.9373% | 6,643 |
| Return on assets (ROA) | -0.9373% | 6,680 |
| Pretax return on assets | -1.4428% | 6,835 |
| Return on Equity (ROE) | -3.3747% | 6,310 |
| Retained earnings to average equity (ytd only) | -3.3747% | 6,140 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.6348% | 240 |
| Assets per employee ($millions) | 4.6047% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 5,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6624% | 5,679 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 60.7162% | 4,543 |
| Net loans and leases to deposits | 82.8336% | 2,653 |
| Net loans and leases to core deposits | 84.7315% | 3,489 |
| Total domestic deposits to total assets | 73.2990% | 6,972 |
| Equity capital to assets | 26.5728% | 106 |
| Core capital (leverage) ratio | 25.1948% | 123 |
| Tier 1 risk-based capital ratio | 36.7474% | 301 |
| Total risk-based capital ratio | 37.9392% | 295 |
| Memoranda: | ||
| Average total assets | $44,704,800 | 6,705 |
| Average earning assets | $41,728,000 | 6,648 |
| Average equity | $12,415,800 | 4,502 |
| Average total loans | $23,099,800 | 6,773 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1151% | 7,186 |
| Cost of funding earning assets | 1.6248% | 2,250 |
| Net interest margin | 2.4903% | 7,386 |
| Noninterest income to average assets | 0.0601% | 7,226 |
| Noninterest expense to average assets | 3.4227% | 2,227 |
| Loan and lease loss provision to assets | 0.3877% | 3,569 |
| Net operating income to assets | -0.9165% | 6,854 |
| Return on assets (ROA) | -0.9165% | 6,892 |
| Pretax return on assets | -1.4244% | 7,022 |
| Return on Equity (ROE) | -3.2635% | 6,515 |
| Retained earnings to average equity (ytd only) | -3.2635% | 6,383 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.4509% | 232 |
| Assets per employee ($millions) | 4.5308% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 4,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6732% | 5,770 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 54.7828% | 5,731 |
| Net loans and leases to deposits | 75.5379% | 4,259 |
| Net loans and leases to core deposits | 76.7241% | 4,963 |
| Total domestic deposits to total assets | 72.5236% | 7,078 |
| Equity capital to assets | 27.2314% | 109 |
| Core capital (leverage) ratio | 26.3195% | 113 |
| Tier 1 risk-based capital ratio | 40.3182% | 238 |
| Total risk-based capital ratio | 41.5361% | 236 |
| Memoranda: | ||
| Average total assets | $44,369,250 | 6,805 |
| Average earning assets | $41,439,750 | 6,743 |
| Average equity | $12,460,750 | 4,561 |
| Average total loans | $21,793,500 | 6,921 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1173% | 7,265 |
| Cost of funding earning assets | 1.6498% | 2,388 |
| Net interest margin | 2.4675% | 7,436 |
| Noninterest income to average assets | 0.0681% | 7,238 |
| Noninterest expense to average assets | 3.4093% | 2,236 |
| Loan and lease loss provision to assets | 0.7627% | 1,883 |
| Net operating income to assets | -1.1985% | 7,026 |
| Return on assets (ROA) | -1.1985% | 7,044 |
| Pretax return on assets | -1.8022% | 7,174 |
| Return on Equity (ROE) | -4.2234% | 6,634 |
| Retained earnings to average equity (ytd only) | -4.2234% | 6,465 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.8697% | 232 |
| Assets per employee ($millions) | 4.4675% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7167% | 3,011 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6827% | 5,787 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 49.3386% | 6,508 |
| Net loans and leases to deposits | 68.4237% | 5,505 |
| Net loans and leases to core deposits | 69.5134% | 5,919 |
| Total domestic deposits to total assets | 72.1074% | 7,175 |
| Equity capital to assets | 27.7090% | 104 |
| Core capital (leverage) ratio | 25.9263% | 120 |
| Tier 1 risk-based capital ratio | 44.6799% | 186 |
| Total risk-based capital ratio | 45.9315% | 185 |
| Memoranda: | ||
| Average total assets | $44,056,330 | 6,861 |
| Average earning assets | $41,094,670 | 6,810 |
| Average equity | $12,501,670 | 4,549 |
| Average total loans | $20,669,000 | 7,028 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9865% | 7,469 |
| Cost of funding earning assets | 1.6594% | 2,603 |
| Net interest margin | 2.3271% | 7,579 |
| Noninterest income to average assets | 0.0731% | 7,339 |
| Noninterest expense to average assets | 3.5385% | 1,890 |
| Loan and lease loss provision to assets | 0.6583% | 1,927 |
| Net operating income to assets | -1.0332% | 7,123 |
| Return on assets (ROA) | -1.0332% | 7,145 |
| Pretax return on assets | -1.9567% | 7,403 |
| Return on Equity (ROE) | -3.5979% | 6,788 |
| Retained earnings to average equity (ytd only) | -3.5979% | 6,445 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.9592% | 183 |
| Assets per employee ($millions) | 4.5697% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 4,947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 48.0622% | 6,670 |
| Net loans and leases to deposits | 66.2894% | 5,792 |
| Net loans and leases to core deposits | 67.3113% | 6,178 |
| Total domestic deposits to total assets | 72.5037% | 7,215 |
| Equity capital to assets | 27.3650% | 113 |
| Core capital (leverage) ratio | 27.2600% | 102 |
| Tier 1 risk-based capital ratio | 45.4779% | 182 |
| Total risk-based capital ratio | 46.6006% | 182 |
| Memoranda: | ||
| Average total assets | $43,747,000 | 6,964 |
| Average earning assets | $40,737,500 | 6,906 |
| Average equity | $12,563,000 | 4,571 |
| Average total loans | $19,790,000 | 7,163 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8493% | 7,751 |
| Cost of funding earning assets | 1.5135% | 5,462 |
| Net interest margin | 2.3358% | 7,558 |
| Noninterest income to average assets | 0.0665% | 7,415 |
| Noninterest expense to average assets | 4.4840% | 808 |
| Loan and lease loss provision to assets | 0.4623% | 4,060 |
| Net operating income to assets | -1.9580% | 7,076 |
| Return on assets (ROA) | -1.9580% | 7,075 |
| Pretax return on assets | -2.7255% | 7,218 |
| Return on Equity (ROE) | -5.0277% | 6,214 |
| Retained earnings to average equity (ytd only) | -5.0277% | 6,024 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 201.9048% | 133 |
| Assets per employee ($millions) | 4.1797% | 3,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 5,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 40.9383% | 7,306 |
| Net loans and leases to deposits | 58.7583% | 6,727 |
| Net loans and leases to core deposits | 73.5546% | 6,560 |
| Total domestic deposits to total assets | 69.6725% | 7,451 |
| Equity capital to assets | 30.1959% | 101 |
| Core capital (leverage) ratio | 29.1111% | 109 |
| Tier 1 risk-based capital ratio | 53.7805% | 137 |
| Total risk-based capital ratio | 54.7601% | 137 |
| Memoranda: | ||
| Average total assets | $33,095,400 | 7,359 |
| Average earning assets | $30,524,800 | 7,339 |
| Average equity | $12,888,600 | 4,537 |
| Average total loans | $10,951,400 | 7,659 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8290% | 7,856 |
| Cost of funding earning assets | 1.3826% | 6,297 |
| Net interest margin | 2.4464% | 7,516 |
| Noninterest income to average assets | 0.0647% | 7,586 |
| Noninterest expense to average assets | 4.4544% | 780 |
| Loan and lease loss provision to assets | 0.4959% | 3,414 |
| Net operating income to assets | -1.8930% | 7,270 |
| Return on assets (ROA) | -1.8930% | 7,276 |
| Pretax return on assets | -2.6347% | 7,398 |
| Return on Equity (ROE) | -4.5179% | 6,401 |
| Retained earnings to average equity (ytd only) | -4.5179% | 6,190 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 192.3650% | 168 |
| Assets per employee ($millions) | 4.1428% | 3,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 4,640 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 33.4218% | 7,705 |
| Net loans and leases to deposits | 48.4532% | 7,478 |
| Net loans and leases to core deposits | 56.7948% | 7,519 |
| Total domestic deposits to total assets | 68.9775% | 7,496 |
| Equity capital to assets | 30.8294% | 108 |
| Core capital (leverage) ratio | 32.0393% | 110 |
| Tier 1 risk-based capital ratio | 61.1948% | 113 |
| Total risk-based capital ratio | 62.0964% | 112 |
| Memoranda: | ||
| Average total assets | $30,920,000 | 7,508 |
| Average earning assets | $28,448,750 | 7,482 |
| Average equity | $12,955,500 | 4,550 |
| Average total loans | $9,357,250 | 7,806 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9038% | 7,939 |
| Cost of funding earning assets | 1.1280% | 7,304 |
| Net interest margin | 2.7759% | 7,061 |
| Noninterest income to average assets | 0.0657% | 7,658 |
| Noninterest expense to average assets | 5.0917% | 482 |
| Loan and lease loss provision to assets | 0.4669% | 3,186 |
| Net operating income to assets | -2.1082% | 7,454 |
| Return on assets (ROA) | -2.1082% | 7,451 |
| Pretax return on assets | -2.9616% | 7,562 |
| Return on Equity (ROE) | -4.4405% | 6,539 |
| Retained earnings to average equity (ytd only) | -4.4405% | 6,213 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 196.0674% | 207 |
| Assets per employee ($millions) | 3.4392% | 4,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 5,869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 34.8715% | 7,742 |
| Net loans and leases to deposits | 56.1155% | 7,161 |
| Net loans and leases to core deposits | 62.2690% | 7,373 |
| Total domestic deposits to total assets | 62.1424% | 7,886 |
| Equity capital to assets | 37.5843% | 94 |
| Core capital (leverage) ratio | 44.6101% | 75 |
| Tier 1 risk-based capital ratio | 73.6201% | 94 |
| Total risk-based capital ratio | 74.3492% | 94 |
| Memoranda: | ||
| Average total assets | $27,417,330 | 7,709 |
| Average earning assets | $25,001,000 | 7,681 |
| Average equity | $13,016,670 | 4,533 |
| Average total loans | $7,801,330 | 7,954 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0114% | 7,990 |
| Cost of funding earning assets | 1.0167% | 7,646 |
| Net interest margin | 2.9947% | 6,491 |
| Noninterest income to average assets | 0.0501% | 7,831 |
| Noninterest expense to average assets | 5.3322% | 394 |
| Loan and lease loss provision to assets | 0.3343% | 3,318 |
| Net operating income to assets | -2.0727% | 7,678 |
| Return on assets (ROA) | -2.0727% | 7,673 |
| Pretax return on assets | -2.9085% | 7,735 |
| Return on Equity (ROE) | -3.7973% | 6,871 |
| Retained earnings to average equity (ytd only) | -3.7973% | 6,401 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 193.3333% | 211 |
| Assets per employee ($millions) | 2.5871% | 7,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 4,284 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 25.2638% | 8,019 |
| Net loans and leases to deposits | 51.3231% | 7,444 |
| Net loans and leases to core deposits | 55.2120% | 7,645 |
| Total domestic deposits to total assets | 49.2250% | 8,102 |
| Equity capital to assets | 50.6127% | 66 |
| Core capital (leverage) ratio | 56.1132% | 59 |
| Tier 1 risk-based capital ratio | 113.3633% | 64 |
| Total risk-based capital ratio | 114.1198% | 64 |
| Memoranda: | ||
| Average total assets | $23,930,000 | 7,867 |
| Average earning assets | $21,638,500 | 7,855 |
| Average equity | $13,062,000 | 4,565 |
| Average total loans | $5,641,500 | 8,095 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9873% | 8,224 |
| Cost of funding earning assets | 0.4303% | 8,199 |
| Net interest margin | 1.5570% | 8,178 |
| Noninterest income to average assets | 0.0101% | 8,066 |
| Noninterest expense to average assets | 5.4155% | 518 |
| Loan and lease loss provision to assets | 0.3233% | 3,790 |
| Net operating income to assets | -3.0765% | 7,843 |
| Return on assets (ROA) | -3.0765% | 7,814 |
| Pretax return on assets | -4.3395% | 7,947 |
| Return on Equity (ROE) | -4.7259% | 6,834 |
| Retained earnings to average equity (ytd only) | -4.7259% | 6,465 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 387.0036% | 71 |
| Assets per employee ($millions) | 2.4432% | 7,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 3,348 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 20.9150% | 8,143 |
| Net loans and leases to deposits | 51.3912% | 7,564 |
| Net loans and leases to core deposits | 53.1799% | 7,822 |
| Total domestic deposits to total assets | 40.6976% | 8,185 |
| Equity capital to assets | 59.2569% | 59 |
| Core capital (leverage) ratio | 65.9931% | 46 |
| Tier 1 risk-based capital ratio | 139.2205% | 56 |
| Total risk-based capital ratio | 139.9291% | 56 |
| Memoranda: | ||
| Average total assets | $19,795,000 | 8,024 |
| Average earning assets | $17,662,500 | 8,016 |
| Average equity | $12,886,500 | 4,607 |
| Average total loans | $4,246,500 | 8,186 |