Home > Sun Security Bank > Performance and Condition Ratios
Sun Security 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 | 5.3415% | 1,708 |
| Cost of funding earning assets | 1.7960% | 263 |
| Net interest margin | 3.5455% | 5,002 |
| Noninterest income to average assets | 0.4778% | 4,064 |
| Noninterest expense to average assets | 3.1950% | 2,843 |
| Loan and lease loss provision to assets | 5.5282% | 20 |
| Net operating income to assets | -5.2620% | 7,383 |
| Return on assets (ROA) | -5.2620% | 7,387 |
| Pretax return on assets | -5.2620% | 7,384 |
| Return on Equity (ROE) | -150.2903% | 7,412 |
| Retained earnings to average equity (ytd only) | -150.2903% | 7,412 |
| Net charge-offs to loans | 4.8393% | 102 |
| Credit loss provision to net charge-offs | 165.6792% | 1,839 |
| Earnings coverage of net charge-offs (x) | 0.0798% | 5,548 |
| Efficiency ratio | 91.6226% | 1,055 |
| Assets per employee ($millions) | 2.9537% | 6,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0523% | 85 |
| Loan loss allowance to noncurrent loans | 38.6266% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 20.8116% | 47 |
| Noncurrent loans to loans | 15.6688% | 124 |
| Net loans and leases to total assets | 62.9482% | 3,520 |
| Net loans and leases to deposits | 78.8380% | 2,838 |
| Net loans and leases to core deposits | 80.6346% | 3,544 |
| Total domestic deposits to total assets | 79.8451% | 5,781 |
| Equity capital to assets | 4.1867% | 7,309 |
| Core capital (leverage) ratio | 2.0016% | 7,405 |
| Tier 1 risk-based capital ratio | 2.7701% | 7,400 |
| Total risk-based capital ratio | 4.0721% | 7,400 |
| Memoranda: | ||
| Average total assets | $364,186,250 | 1,788 |
| Average earning assets | $306,450,750 | 1,928 |
| Average equity | $12,751,000 | 4,397 |
| Average total loans | $251,104,750 | 1,682 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3180% | 1,830 |
| Cost of funding earning assets | 1.8164% | 287 |
| Net interest margin | 3.5015% | 5,159 |
| Noninterest income to average assets | 0.4120% | 4,572 |
| Noninterest expense to average assets | 3.4559% | 2,104 |
| Loan and lease loss provision to assets | 8.1158% | 6 |
| Net operating income to assets | -8.2064% | 7,489 |
| Return on assets (ROA) | -8.2064% | 7,491 |
| Pretax return on assets | -8.2064% | 7,491 |
| Return on Equity (ROE) | -249.9504% | 7,496 |
| Retained earnings to average equity (ytd only) | -249.9504% | 7,496 |
| Net charge-offs to loans | 7.1150% | 48 |
| Credit loss provision to net charge-offs | 163.9614% | 1,845 |
| Earnings coverage of net charge-offs (x) | -0.0183% | 5,299 |
| Efficiency ratio | 102.6940% | 642 |
| Assets per employee ($millions) | 2.9904% | 6,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6804% | 130 |
| Loan loss allowance to noncurrent loans | 44.7875% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 18.8240% | 79 |
| Noncurrent loans to loans | 12.6829% | 220 |
| Net loans and leases to total assets | 65.7922% | 3,072 |
| Net loans and leases to deposits | 80.6243% | 2,682 |
| Net loans and leases to core deposits | 82.7378% | 3,397 |
| Total domestic deposits to total assets | 81.6034% | 5,315 |
| Equity capital to assets | 2.5862% | 7,448 |
| Core capital (leverage) ratio | 1.7351% | 7,479 |
| Tier 1 risk-based capital ratio | 2.3573% | 7,483 |
| Total risk-based capital ratio | 3.6552% | 7,481 |
| Memoranda: | ||
| Average total assets | $368,417,670 | 1,777 |
| Average earning assets | $310,720,000 | 1,914 |
| Average equity | $12,096,000 | 4,534 |
| Average total loans | $256,302,330 | 1,673 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1759% | 2,321 |
| Cost of funding earning assets | 1.8622% | 298 |
| Net interest margin | 3.3138% | 5,728 |
| Noninterest income to average assets | 0.3939% | 4,752 |
| Noninterest expense to average assets | 4.4548% | 624 |
| Loan and lease loss provision to assets | 15.7993% | 1 |
| Net operating income to assets | -17.0601% | 7,572 |
| Return on assets (ROA) | -17.0601% | 7,572 |
| Pretax return on assets | -17.0601% | 7,572 |
| Return on Equity (ROE) | -472.0251% | 7,561 |
| Retained earnings to average equity (ytd only) | -472.0251% | 7,561 |
| Net charge-offs to loans | 14.0216% | 19 |
| Credit loss provision to net charge-offs | 162.1740% | 1,782 |
| Earnings coverage of net charge-offs (x) | -0.1294% | 4,661 |
| Efficiency ratio | 139.4719% | 214 |
| Assets per employee ($millions) | 3.4469% | 5,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4810% | 140 |
| Loan loss allowance to noncurrent loans | 56.3222% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 16.1878% | 128 |
| Noncurrent loans to loans | 9.7315% | 423 |
| Net loans and leases to total assets | 65.1891% | 3,204 |
| Net loans and leases to deposits | 78.3328% | 3,001 |
| Net loans and leases to core deposits | 80.4252% | 3,680 |
| Total domestic deposits to total assets | 83.2206% | 4,840 |
| Equity capital to assets | 1.5279% | 7,549 |
| Core capital (leverage) ratio | 1.4754% | 7,548 |
| Tier 1 risk-based capital ratio | 1.9772% | 7,549 |
| Total risk-based capital ratio | 3.2724% | 7,549 |
| Memoranda: | ||
| Average total assets | $374,699,500 | 1,751 |
| Average earning assets | $316,619,000 | 1,890 |
| Average equity | $13,542,500 | 4,208 |
| Average total loans | $260,341,500 | 1,670 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2584% | 3,319 |
| Cost of funding earning assets | 2.0111% | 585 |
| Net interest margin | 3.2474% | 6,146 |
| Noninterest income to average assets | 0.3707% | 5,133 |
| Noninterest expense to average assets | 2.5482% | 5,618 |
| Loan and lease loss provision to assets | 0.4692% | 3,319 |
| Net operating income to assets | 0.1176% | 5,542 |
| Return on assets (ROA) | 0.1576% | 5,573 |
| Pretax return on assets | 0.1576% | 5,578 |
| Return on Equity (ROE) | 2.7272% | 5,075 |
| Retained earnings to average equity (ytd only) | 2.7272% | 3,948 |
| Net charge-offs to loans | 1.4264% | 1,556 |
| Credit loss provision to net charge-offs | 45.8071% | 6,320 |
| Earnings coverage of net charge-offs (x) | 0.5729% | 5,532 |
| Efficiency ratio | 80.5743% | 2,337 |
| Assets per employee ($millions) | 3.0447% | 6,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1046% | 797 |
| Loan loss allowance to noncurrent loans | 24.6269% | 6,614 |
| Noncurrent assets plus other real estate owned to assets | 18.2496% | 87 |
| Noncurrent loans to loans | 12.6065% | 251 |
| Net loans and leases to total assets | 67.8026% | 3,027 |
| Net loans and leases to deposits | 85.1823% | 2,240 |
| Net loans and leases to core deposits | 88.4234% | 2,994 |
| Total domestic deposits to total assets | 79.5971% | 5,939 |
| Equity capital to assets | 5.6361% | 7,389 |
| Core capital (leverage) ratio | 5.6849% | 7,346 |
| Tier 1 risk-based capital ratio | 7.0733% | 7,413 |
| Total risk-based capital ratio | 8.3419% | 7,417 |
| Memoranda: | ||
| Average total assets | $387,683,200 | 1,697 |
| Average earning assets | $330,022,000 | 1,807 |
| Average equity | $22,404,000 | 2,832 |
| Average total loans | $278,390,200 | 1,606 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2451% | 3,602 |
| Cost of funding earning assets | 2.0310% | 687 |
| Net interest margin | 3.2141% | 6,291 |
| Noninterest income to average assets | 0.3341% | 5,490 |
| Noninterest expense to average assets | 2.6179% | 5,250 |
| Loan and lease loss provision to assets | 0.3831% | 3,590 |
| Net operating income to assets | 0.0739% | 5,831 |
| Return on assets (ROA) | 0.1270% | 5,867 |
| Pretax return on assets | 0.1270% | 5,875 |
| Return on Equity (ROE) | 2.1846% | 5,539 |
| Retained earnings to average equity (ytd only) | 2.1846% | 4,861 |
| Net charge-offs to loans | 1.4617% | 1,386 |
| Credit loss provision to net charge-offs | 36.2723% | 6,079 |
| Earnings coverage of net charge-offs (x) | 0.4327% | 5,592 |
| Efficiency ratio | 84.4133% | 1,790 |
| Assets per employee ($millions) | 2.9861% | 6,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1336% | 741 |
| Loan loss allowance to noncurrent loans | 27.8229% | 6,460 |
| Noncurrent assets plus other real estate owned to assets | 17.5286% | 96 |
| Noncurrent loans to loans | 11.2625% | 331 |
| Net loans and leases to total assets | 68.9116% | 3,009 |
| Net loans and leases to deposits | 87.4410% | 2,091 |
| Net loans and leases to core deposits | 91.5943% | 2,859 |
| Total domestic deposits to total assets | 78.8093% | 6,063 |
| Equity capital to assets | 6.3141% | 7,447 |
| Core capital (leverage) ratio | 5.5805% | 7,484 |
| Tier 1 risk-based capital ratio | 7.0855% | 7,541 |
| Total risk-based capital ratio | 8.3555% | 7,545 |
| Memoranda: | ||
| Average total assets | $389,458,000 | 1,719 |
| Average earning assets | $332,108,750 | 1,823 |
| Average equity | $22,642,500 | 2,851 |
| Average total loans | $281,409,250 | 1,609 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3267% | 3,338 |
| Cost of funding earning assets | 2.0536% | 764 |
| Net interest margin | 3.2731% | 6,099 |
| Noninterest income to average assets | 0.3116% | 5,676 |
| Noninterest expense to average assets | 2.6111% | 5,274 |
| Loan and lease loss provision to assets | 0.0860% | 6,066 |
| Net operating income to assets | 0.4073% | 4,723 |
| Return on assets (ROA) | 0.4780% | 4,579 |
| Pretax return on assets | 0.4780% | 4,969 |
| Return on Equity (ROE) | 8.4563% | 2,686 |
| Retained earnings to average equity (ytd only) | 8.4563% | 1,280 |
| Net charge-offs to loans | 0.6429% | 2,612 |
| Credit loss provision to net charge-offs | 18.4297% | 5,872 |
| Earnings coverage of net charge-offs (x) | 1.0567% | 4,734 |
| Efficiency ratio | 83.4044% | 1,989 |
| Assets per employee ($millions) | 3.0135% | 6,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4373% | 579 |
| Loan loss allowance to noncurrent loans | 29.8141% | 6,379 |
| Noncurrent assets plus other real estate owned to assets | 17.2878% | 92 |
| Noncurrent loans to loans | 11.5292% | 321 |
| Net loans and leases to total assets | 69.8942% | 2,929 |
| Net loans and leases to deposits | 87.8194% | 2,205 |
| Net loans and leases to core deposits | 91.9501% | 2,999 |
| Total domestic deposits to total assets | 79.5885% | 5,864 |
| Equity capital to assets | 5.9201% | 7,553 |
| Core capital (leverage) ratio | 5.5869% | 7,540 |
| Tier 1 risk-based capital ratio | 7.0003% | 7,604 |
| Total risk-based capital ratio | 8.2736% | 7,607 |
| Memoranda: | ||
| Average total assets | $392,866,670 | 1,716 |
| Average earning assets | $335,219,670 | 1,823 |
| Average equity | $22,208,330 | 2,897 |
| Average total loans | $285,282,670 | 1,600 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4994% | 2,579 |
| Cost of funding earning assets | 2.0870% | 850 |
| Net interest margin | 3.4123% | 5,531 |
| Noninterest income to average assets | 0.4274% | 4,681 |
| Noninterest expense to average assets | 2.5341% | 5,600 |
| Loan and lease loss provision to assets | 0.1712% | 4,815 |
| Net operating income to assets | 0.6351% | 3,731 |
| Return on assets (ROA) | 0.6371% | 3,844 |
| Pretax return on assets | 0.6371% | 4,464 |
| Return on Equity (ROE) | 11.5384% | 1,629 |
| Retained earnings to average equity (ytd only) | 11.5384% | 823 |
| Net charge-offs to loans | 0.3788% | 2,917 |
| Credit loss provision to net charge-offs | 62.1324% | 4,261 |
| Earnings coverage of net charge-offs (x) | 2.9265% | 3,088 |
| Efficiency ratio | 75.1971% | 3,359 |
| Assets per employee ($millions) | 3.0158% | 6,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6115% | 500 |
| Loan loss allowance to noncurrent loans | 43.0341% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 15.0737% | 134 |
| Noncurrent loans to loans | 8.3922% | 627 |
| Net loans and leases to total assets | 69.6984% | 3,010 |
| Net loans and leases to deposits | 87.1194% | 2,392 |
| Net loans and leases to core deposits | 91.1144% | 3,218 |
| Total domestic deposits to total assets | 80.0033% | 5,788 |
| Equity capital to assets | 5.7340% | 7,654 |
| Core capital (leverage) ratio | 5.4825% | 7,655 |
| Tier 1 risk-based capital ratio | 6.7871% | 7,717 |
| Total risk-based capital ratio | 8.0622% | 7,719 |
| Memoranda: | ||
| Average total assets | $394,929,000 | 1,745 |
| Average earning assets | $337,130,000 | 1,856 |
| Average equity | $21,805,500 | 2,972 |
| Average total loans | $287,234,000 | 1,644 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2321% | 5,502 |
| Cost of funding earning assets | 2.9633% | 255 |
| Net interest margin | 2.2688% | 7,610 |
| Noninterest income to average assets | 0.4718% | 4,640 |
| Noninterest expense to average assets | 3.3945% | 2,700 |
| Loan and lease loss provision to assets | 2.5281% | 783 |
| Net operating income to assets | -3.5205% | 7,509 |
| Return on assets (ROA) | -3.3777% | 7,479 |
| Pretax return on assets | -3.3777% | 7,390 |
| Return on Equity (ROE) | -48.0901% | 7,666 |
| Retained earnings to average equity (ytd only) | -48.0901% | 7,659 |
| Net charge-offs to loans | 2.9047% | 741 |
| Credit loss provision to net charge-offs | 129.4419% | 3,960 |
| Earnings coverage of net charge-offs (x) | -0.5081% | 6,698 |
| Efficiency ratio | 125.3468% | 521 |
| Assets per employee ($millions) | 2.9462% | 6,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6081% | 485 |
| Loan loss allowance to noncurrent loans | 40.8195% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 15.5910% | 125 |
| Noncurrent loans to loans | 8.8391% | 530 |
| Net loans and leases to total assets | 70.5121% | 3,126 |
| Net loans and leases to deposits | 87.6176% | 2,624 |
| Net loans and leases to core deposits | 99.3186% | 4,075 |
| Total domestic deposits to total assets | 80.4771% | 5,526 |
| Equity capital to assets | 5.3086% | 7,757 |
| Core capital (leverage) ratio | 5.1961% | 7,745 |
| Tier 1 risk-based capital ratio | 6.5482% | 7,788 |
| Total risk-based capital ratio | 7.8178% | 7,790 |
| Memoranda: | ||
| Average total assets | $399,114,600 | 1,721 |
| Average earning assets | $339,555,800 | 1,837 |
| Average equity | $28,032,800 | 2,368 |
| Average total loans | $268,361,000 | 1,786 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1823% | 5,955 |
| Cost of funding earning assets | 3.0053% | 328 |
| Net interest margin | 2.1770% | 7,720 |
| Noninterest income to average assets | 0.5534% | 4,058 |
| Noninterest expense to average assets | 3.0334% | 3,912 |
| Loan and lease loss provision to assets | 0.8546% | 2,244 |
| Net operating income to assets | -1.4819% | 7,101 |
| Return on assets (ROA) | -1.3317% | 7,025 |
| Pretax return on assets | -1.3317% | 6,876 |
| Return on Equity (ROE) | -17.8823% | 7,304 |
| Retained earnings to average equity (ytd only) | -17.8823% | 7,269 |
| Net charge-offs to loans | 2.1297% | 908 |
| Credit loss provision to net charge-offs | 60.9988% | 6,154 |
| Earnings coverage of net charge-offs (x) | -0.4478% | 6,457 |
| Efficiency ratio | 125.1731% | 529 |
| Assets per employee ($millions) | 3.0103% | 6,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2130% | 1,398 |
| Loan loss allowance to noncurrent loans | 22.8225% | 6,924 |
| Noncurrent assets plus other real estate owned to assets | 16.0846% | 97 |
| Noncurrent loans to loans | 9.6968% | 419 |
| Net loans and leases to total assets | 70.5115% | 3,389 |
| Net loans and leases to deposits | 89.3860% | 2,698 |
| Net loans and leases to core deposits | 102.8288% | 4,070 |
| Total domestic deposits to total assets | 78.8843% | 5,844 |
| Equity capital to assets | 7.2716% | 7,442 |
| Core capital (leverage) ratio | 6.6046% | 7,629 |
| Tier 1 risk-based capital ratio | 8.0668% | 7,784 |
| Total risk-based capital ratio | 9.3259% | 7,800 |
| Memoranda: | ||
| Average total assets | $400,195,000 | 1,730 |
| Average earning assets | $340,587,750 | 1,848 |
| Average equity | $29,801,500 | 2,271 |
| Average total loans | $263,252,000 | 1,830 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0778% | 6,518 |
| Cost of funding earning assets | 3.0403% | 418 |
| Net interest margin | 2.0375% | 7,840 |
| Noninterest income to average assets | 0.5154% | 4,309 |
| Noninterest expense to average assets | 3.2331% | 3,222 |
| Loan and lease loss provision to assets | 0.7410% | 2,214 |
| Net operating income to assets | -1.7246% | 7,334 |
| Return on assets (ROA) | -1.5698% | 7,286 |
| Pretax return on assets | -1.5698% | 7,121 |
| Return on Equity (ROE) | -20.9135% | 7,526 |
| Retained earnings to average equity (ytd only) | -20.9135% | 7,479 |
| Net charge-offs to loans | 2.5722% | 660 |
| Credit loss provision to net charge-offs | 45.2732% | 5,824 |
| Earnings coverage of net charge-offs (x) | -0.6010% | 6,124 |
| Efficiency ratio | 142.7646% | 408 |
| Assets per employee ($millions) | 2.9289% | 6,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2930% | 1,108 |
| Loan loss allowance to noncurrent loans | 21.2912% | 7,058 |
| Noncurrent assets plus other real estate owned to assets | 16.3648% | 85 |
| Noncurrent loans to loans | 10.7697% | 295 |
| Net loans and leases to total assets | 65.9039% | 4,577 |
| Net loans and leases to deposits | 83.3574% | 3,986 |
| Net loans and leases to core deposits | 98.0036% | 4,698 |
| Total domestic deposits to total assets | 79.0618% | 5,793 |
| Equity capital to assets | 7.1564% | 7,517 |
| Core capital (leverage) ratio | 6.8589% | 7,628 |
| Tier 1 risk-based capital ratio | 8.5232% | 7,844 |
| Total risk-based capital ratio | 9.7820% | 7,875 |
| Memoranda: | ||
| Average total assets | $398,130,330 | 1,768 |
| Average earning assets | $338,848,000 | 1,870 |
| Average equity | $29,885,000 | 2,270 |
| Average total loans | $253,324,000 | 1,930 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8037% | 7,364 |
| Cost of funding earning assets | 3.0465% | 536 |
| Net interest margin | 1.7572% | 7,985 |
| Noninterest income to average assets | 0.5202% | 4,130 |
| Noninterest expense to average assets | 3.0956% | 3,394 |
| Loan and lease loss provision to assets | 0.2550% | 3,926 |
| Net operating income to assets | -1.3290% | 7,431 |
| Return on assets (ROA) | -1.2709% | 7,419 |
| Pretax return on assets | -1.2709% | 7,285 |
| Return on Equity (ROE) | -16.5279% | 7,660 |
| Retained earnings to average equity (ytd only) | -16.5279% | 7,515 |
| Net charge-offs to loans | 2.4527% | 579 |
| Credit loss provision to net charge-offs | 16.8691% | 5,114 |
| Earnings coverage of net charge-offs (x) | -0.7105% | 5,306 |
| Efficiency ratio | 152.0182% | 344 |
| Assets per employee ($millions) | 2.6962% | 6,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7988% | 580 |
| Loan loss allowance to noncurrent loans | 18.0658% | 7,258 |
| Noncurrent assets plus other real estate owned to assets | 17.3399% | 52 |
| Noncurrent loans to loans | 15.4922% | 89 |
| Net loans and leases to total assets | 59.1934% | 5,782 |
| Net loans and leases to deposits | 75.0983% | 5,327 |
| Net loans and leases to core deposits | 89.1674% | 5,632 |
| Total domestic deposits to total assets | 78.8213% | 5,784 |
| Equity capital to assets | 7.2750% | 7,510 |
| Core capital (leverage) ratio | 7.1140% | 7,543 |
| Tier 1 risk-based capital ratio | 9.4530% | 7,465 |
| Total risk-based capital ratio | 10.7171% | 7,405 |
| Memoranda: | ||
| Average total assets | $392,170,500 | 1,792 |
| Average earning assets | $335,078,500 | 1,889 |
| Average equity | $30,155,000 | 2,261 |
| Average total loans | $241,695,500 | 2,011 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4851% | 7,336 |
| Cost of funding earning assets | 2.9897% | 1,902 |
| Net interest margin | 2.4954% | 7,762 |
| Noninterest income to average assets | 0.2824% | 6,445 |
| Noninterest expense to average assets | 3.1609% | 3,477 |
| Loan and lease loss provision to assets | 3.6153% | 213 |
| Net operating income to assets | -4.2647% | 8,023 |
| Return on assets (ROA) | -4.3355% | 8,015 |
| Pretax return on assets | -4.3355% | 7,946 |
| Return on Equity (ROE) | -42.6896% | 8,100 |
| Retained earnings to average equity (ytd only) | -46.6617% | 8,115 |
| Net charge-offs to loans | 3.8017% | 187 |
| Credit loss provision to net charge-offs | 149.1373% | 3,537 |
| Earnings coverage of net charge-offs (x) | -0.2679% | 6,404 |
| Efficiency ratio | 125.0099% | 513 |
| Assets per employee ($millions) | 2.5498% | 7,113 |
| Cash dividends to net income (ytd only)* | -9.3047% | 7,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4268% | 297 |
| Loan loss allowance to noncurrent loans | 17.8246% | 7,319 |
| Noncurrent assets plus other real estate owned to assets | 18.9913% | 32 |
| Noncurrent loans to loans | 19.2248% | 38 |
| Net loans and leases to total assets | 60.2712% | 5,874 |
| Net loans and leases to deposits | 79.8552% | 5,068 |
| Net loans and leases to core deposits | 97.9145% | 5,049 |
| Total domestic deposits to total assets | 75.4756% | 6,347 |
| Equity capital to assets | 8.1302% | 6,655 |
| Core capital (leverage) ratio | 7.8290% | 6,753 |
| Tier 1 risk-based capital ratio | 10.4833% | 6,224 |
| Total risk-based capital ratio | 11.7557% | 6,087 |
| Memoranda: | ||
| Average total assets | $404,060,800 | 1,686 |
| Average earning assets | $360,944,400 | 1,720 |
| Average equity | $41,035,800 | 1,627 |
| Average total loans | $257,648,600 | 1,856 |