Home > SunFirst Bank > Performance and Condition Ratios
SunFirst 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 | 4.4643% | 5,371 |
| Cost of funding earning assets | 1.5618% | 687 |
| Net interest margin | 2.9025% | 6,742 |
| Noninterest income to average assets | -0.8483% | 7,395 |
| Noninterest expense to average assets | 2.9229% | 3,825 |
| Loan and lease loss provision to assets | 6.0692% | 14 |
| Net operating income to assets | -4.7022% | 7,365 |
| Return on assets (ROA) | -4.7010% | 7,368 |
| Pretax return on assets | -7.5457% | 7,417 |
| Return on Equity (ROE) | -63.1181% | 7,332 |
| Retained earnings to average equity (ytd only) | -63.1181% | 7,329 |
| Net charge-offs to loans | 7.0405% | 34 |
| Credit loss provision to net charge-offs | 141.2904% | 2,251 |
| Earnings coverage of net charge-offs (x) | -0.3442% | 5,783 |
| Efficiency ratio | 202.3387% | 49 |
| Assets per employee ($millions) | 4.9520% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8069% | 105 |
| Loan loss allowance to noncurrent loans | 37.2310% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 17.9326% | 75 |
| Noncurrent loans to loans | 15.5968% | 126 |
| Net loans and leases to total assets | 57.3891% | 4,610 |
| Net loans and leases to deposits | 67.2108% | 4,735 |
| Net loans and leases to core deposits | 70.4755% | 4,893 |
| Total domestic deposits to total assets | 85.3868% | 3,565 |
| Equity capital to assets | 6.3974% | 7,146 |
| Core capital (leverage) ratio | 2.0210% | 7,399 |
| Tier 1 risk-based capital ratio | 2.6890% | 7,403 |
| Total risk-based capital ratio | 3.9826% | 7,404 |
| Memoranda: | ||
| Average total assets | $213,114,250 | 2,920 |
| Average earning assets | $168,354,000 | 3,280 |
| Average equity | $15,872,500 | 3,764 |
| Average total loans | $130,024,750 | 3,007 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3870% | 5,739 |
| Cost of funding earning assets | 1.6075% | 674 |
| Net interest margin | 2.7796% | 6,948 |
| Noninterest income to average assets | 0.0679% | 6,968 |
| Noninterest expense to average assets | 2.8534% | 4,219 |
| Loan and lease loss provision to assets | 8.6143% | 4 |
| Net operating income to assets | -5.7657% | 7,456 |
| Return on assets (ROA) | -5.7646% | 7,457 |
| Pretax return on assets | -9.1910% | 7,496 |
| Return on Equity (ROE) | -74.2296% | 7,412 |
| Retained earnings to average equity (ytd only) | -74.2296% | 7,409 |
| Net charge-offs to loans | 9.7598% | 20 |
| Credit loss provision to net charge-offs | 144.6052% | 2,117 |
| Earnings coverage of net charge-offs (x) | -0.0971% | 5,343 |
| Efficiency ratio | 125.4333% | 292 |
| Assets per employee ($millions) | 5.1005% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6544% | 132 |
| Loan loss allowance to noncurrent loans | 40.0215% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 17.3656% | 97 |
| Noncurrent loans to loans | 14.1284% | 160 |
| Net loans and leases to total assets | 56.4183% | 4,917 |
| Net loans and leases to deposits | 65.7161% | 5,039 |
| Net loans and leases to core deposits | 71.2297% | 4,926 |
| Total domestic deposits to total assets | 85.8517% | 3,409 |
| Equity capital to assets | 6.4575% | 7,191 |
| Core capital (leverage) ratio | 2.7788% | 7,431 |
| Tier 1 risk-based capital ratio | 3.8045% | 7,439 |
| Total risk-based capital ratio | 5.0961% | 7,440 |
| Memoranda: | ||
| Average total assets | $218,125,330 | 2,877 |
| Average earning assets | $173,192,000 | 3,217 |
| Average equity | $16,939,330 | 3,579 |
| Average total loans | $133,138,000 | 2,981 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4248% | 5,603 |
| Cost of funding earning assets | 1.6321% | 720 |
| Net interest margin | 2.7927% | 6,914 |
| Noninterest income to average assets | -1.0044% | 7,536 |
| Noninterest expense to average assets | 2.9107% | 4,017 |
| Loan and lease loss provision to assets | 1.4374% | 453 |
| Net operating income to assets | -1.9679% | 7,276 |
| Return on assets (ROA) | -1.9656% | 7,273 |
| Pretax return on assets | -3.1137% | 7,384 |
| Return on Equity (ROE) | -23.4550% | 7,262 |
| Retained earnings to average equity (ytd only) | -23.4550% | 7,215 |
| Net charge-offs to loans | 0.8252% | 1,593 |
| Credit loss provision to net charge-offs | 282.6855% | 1,125 |
| Earnings coverage of net charge-offs (x) | -3.3039% | 4,996 |
| Efficiency ratio | 236.4964% | 43 |
| Assets per employee ($millions) | 4.7946% | 2,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4488% | 637 |
| Loan loss allowance to noncurrent loans | 23.2928% | 6,637 |
| Noncurrent assets plus other real estate owned to assets | 17.6874% | 94 |
| Noncurrent loans to loans | 14.8061% | 159 |
| Net loans and leases to total assets | 59.5329% | 4,352 |
| Net loans and leases to deposits | 71.0653% | 4,189 |
| Net loans and leases to core deposits | 78.4350% | 3,961 |
| Total domestic deposits to total assets | 83.7721% | 4,585 |
| Equity capital to assets | 8.1836% | 6,304 |
| Core capital (leverage) ratio | 6.1531% | 7,221 |
| Tier 1 risk-based capital ratio | 8.2846% | 7,275 |
| Total risk-based capital ratio | 9.5545% | 7,278 |
| Memoranda: | ||
| Average total assets | $222,628,000 | 2,854 |
| Average earning assets | $178,178,000 | 3,183 |
| Average equity | $18,657,000 | 3,300 |
| Average total loans | $137,180,500 | 2,941 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9081% | 4,991 |
| Cost of funding earning assets | 1.9309% | 763 |
| Net interest margin | 2.9772% | 6,778 |
| Noninterest income to average assets | -0.2919% | 7,506 |
| Noninterest expense to average assets | 3.1638% | 3,215 |
| Loan and lease loss provision to assets | 3.4756% | 226 |
| Net operating income to assets | -2.7669% | 7,241 |
| Return on assets (ROA) | -2.5925% | 7,223 |
| Pretax return on assets | -4.1755% | 7,460 |
| Return on Equity (ROE) | -26.5302% | 7,167 |
| Retained earnings to average equity (ytd only) | -26.5302% | 7,152 |
| Net charge-offs to loans | 5.5633% | 123 |
| Credit loss provision to net charge-offs | 92.8819% | 4,996 |
| Earnings coverage of net charge-offs (x) | -0.2598% | 6,330 |
| Efficiency ratio | 144.3676% | 241 |
| Assets per employee ($millions) | 4.7809% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0158% | 854 |
| Loan loss allowance to noncurrent loans | 24.3012% | 6,640 |
| Noncurrent assets plus other real estate owned to assets | 16.9254% | 119 |
| Noncurrent loans to loans | 12.4102% | 264 |
| Net loans and leases to total assets | 59.7217% | 4,721 |
| Net loans and leases to deposits | 71.8453% | 4,549 |
| Net loans and leases to core deposits | 82.2150% | 3,878 |
| Total domestic deposits to total assets | 83.1254% | 4,746 |
| Equity capital to assets | 8.5735% | 5,757 |
| Core capital (leverage) ratio | 6.8174% | 7,105 |
| Tier 1 risk-based capital ratio | 9.1124% | 7,222 |
| Total risk-based capital ratio | 10.3774% | 7,222 |
| Memoranda: | ||
| Average total assets | $230,892,400 | 2,745 |
| Average earning assets | $192,600,000 | 2,966 |
| Average equity | $22,563,000 | 2,817 |
| Average total loans | $155,302,400 | 2,679 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0794% | 4,430 |
| Cost of funding earning assets | 1.9735% | 815 |
| Net interest margin | 3.1059% | 6,601 |
| Noninterest income to average assets | -0.2082% | 7,599 |
| Noninterest expense to average assets | 3.1795% | 3,002 |
| Loan and lease loss provision to assets | 4.3164% | 126 |
| Net operating income to assets | -3.1827% | 7,477 |
| Return on assets (ROA) | -2.9518% | 7,451 |
| Pretax return on assets | -4.7300% | 7,617 |
| Return on Equity (ROE) | -29.3369% | 7,377 |
| Retained earnings to average equity (ytd only) | -29.3369% | 7,367 |
| Net charge-offs to loans | 6.0750% | 95 |
| Credit loss provision to net charge-offs | 103.5218% | 4,139 |
| Earnings coverage of net charge-offs (x) | -0.1857% | 6,168 |
| Efficiency ratio | 132.1965% | 284 |
| Assets per employee ($millions) | 4.5914% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3882% | 584 |
| Loan loss allowance to noncurrent loans | 28.8229% | 6,400 |
| Noncurrent assets plus other real estate owned to assets | 15.9227% | 126 |
| Noncurrent loans to loans | 11.7554% | 306 |
| Net loans and leases to total assets | 63.9272% | 4,141 |
| Net loans and leases to deposits | 78.1189% | 3,805 |
| Net loans and leases to core deposits | 89.9941% | 3,091 |
| Total domestic deposits to total assets | 81.8331% | 5,062 |
| Equity capital to assets | 9.1408% | 5,392 |
| Core capital (leverage) ratio | 9.0148% | 4,673 |
| Tier 1 risk-based capital ratio | 11.8086% | 5,631 |
| Total risk-based capital ratio | 13.0790% | 5,593 |
| Memoranda: | ||
| Average total assets | $232,439,500 | 2,753 |
| Average earning assets | $195,582,750 | 2,975 |
| Average equity | $23,387,500 | 2,762 |
| Average total loans | $159,535,500 | 2,667 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8818% | 5,479 |
| Cost of funding earning assets | 2.0085% | 891 |
| Net interest margin | 2.8733% | 7,045 |
| Noninterest income to average assets | 0.5934% | 3,388 |
| Noninterest expense to average assets | 2.8111% | 4,440 |
| Loan and lease loss provision to assets | 2.4263% | 475 |
| Net operating income to assets | -1.4132% | 7,125 |
| Return on assets (ROA) | -1.4132% | 7,131 |
| Pretax return on assets | -2.1973% | 7,292 |
| Return on Equity (ROE) | -13.6466% | 7,096 |
| Retained earnings to average equity (ytd only) | -13.6466% | 7,057 |
| Net charge-offs to loans | 3.7881% | 364 |
| Credit loss provision to net charge-offs | 92.2629% | 4,357 |
| Earnings coverage of net charge-offs (x) | 0.0871% | 5,638 |
| Efficiency ratio | 92.4671% | 1,161 |
| Assets per employee ($millions) | 4.7343% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9538% | 860 |
| Loan loss allowance to noncurrent loans | 16.6076% | 7,083 |
| Noncurrent assets plus other real estate owned to assets | 18.7068% | 74 |
| Noncurrent loans to loans | 17.7856% | 115 |
| Net loans and leases to total assets | 67.1682% | 3,581 |
| Net loans and leases to deposits | 82.9912% | 3,078 |
| Net loans and leases to core deposits | 96.8312% | 2,345 |
| Total domestic deposits to total assets | 80.9341% | 5,424 |
| Equity capital to assets | 10.6263% | 3,251 |
| Core capital (leverage) ratio | 9.8018% | 3,399 |
| Tier 1 risk-based capital ratio | 13.1761% | 4,301 |
| Total risk-based capital ratio | 14.4432% | 4,250 |
| Memoranda: | ||
| Average total assets | $234,925,670 | 2,755 |
| Average earning assets | $200,049,330 | 2,951 |
| Average equity | $24,328,330 | 2,660 |
| Average total loans | $163,091,330 | 2,650 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8214% | 5,804 |
| Cost of funding earning assets | 2.0301% | 999 |
| Net interest margin | 2.7913% | 7,190 |
| Noninterest income to average assets | 0.7448% | 2,327 |
| Noninterest expense to average assets | 2.6641% | 5,089 |
| Loan and lease loss provision to assets | 2.2394% | 480 |
| Net operating income to assets | -1.1546% | 7,197 |
| Return on assets (ROA) | -1.1546% | 7,212 |
| Pretax return on assets | -1.7866% | 7,342 |
| Return on Equity (ROE) | -11.2850% | 7,180 |
| Retained earnings to average equity (ytd only) | -11.2850% | 7,029 |
| Net charge-offs to loans | 5.1803% | 227 |
| Credit loss provision to net charge-offs | 62.1833% | 4,258 |
| Earnings coverage of net charge-offs (x) | 0.1257% | 4,918 |
| Efficiency ratio | 85.4710% | 1,852 |
| Assets per employee ($millions) | 4.9759% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4493% | 1,362 |
| Loan loss allowance to noncurrent loans | 20.1075% | 7,002 |
| Noncurrent assets plus other real estate owned to assets | 13.7545% | 174 |
| Noncurrent loans to loans | 12.1813% | 282 |
| Net loans and leases to total assets | 64.8001% | 4,142 |
| Net loans and leases to deposits | 78.7997% | 3,880 |
| Net loans and leases to core deposits | 94.2995% | 2,806 |
| Total domestic deposits to total assets | 82.2340% | 4,965 |
| Equity capital to assets | 10.0107% | 3,859 |
| Core capital (leverage) ratio | 9.9453% | 3,231 |
| Tier 1 risk-based capital ratio | 13.0645% | 4,286 |
| Total risk-based capital ratio | 14.3259% | 4,249 |
| Memoranda: | ||
| Average total assets | $241,132,000 | 2,751 |
| Average earning assets | $204,919,000 | 2,929 |
| Average equity | $24,670,000 | 2,645 |
| Average total loans | $167,633,500 | 2,648 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2326% | 5,499 |
| Cost of funding earning assets | 2.6662% | 638 |
| Net interest margin | 2.5664% | 7,360 |
| Noninterest income to average assets | -0.0066% | 7,721 |
| Noninterest expense to average assets | 2.4729% | 6,229 |
| Loan and lease loss provision to assets | 3.3909% | 466 |
| Net operating income to assets | -2.2618% | 7,184 |
| Return on assets (ROA) | -2.1454% | 7,140 |
| Pretax return on assets | -3.4546% | 7,408 |
| Return on Equity (ROE) | -20.9466% | 7,168 |
| Retained earnings to average equity (ytd only) | -20.9466% | 7,140 |
| Net charge-offs to loans | 3.0614% | 682 |
| Credit loss provision to net charge-offs | 148.2821% | 3,157 |
| Earnings coverage of net charge-offs (x) | -0.1074% | 6,341 |
| Efficiency ratio | 111.0286% | 779 |
| Assets per employee ($millions) | 5.0733% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7628% | 960 |
| Loan loss allowance to noncurrent loans | 19.4350% | 7,089 |
| Noncurrent assets plus other real estate owned to assets | 15.4308% | 129 |
| Noncurrent loans to loans | 14.2154% | 201 |
| Net loans and leases to total assets | 70.6733% | 3,082 |
| Net loans and leases to deposits | 86.1587% | 2,886 |
| Net loans and leases to core deposits | 186.4662% | 134 |
| Total domestic deposits to total assets | 82.0269% | 4,937 |
| Equity capital to assets | 10.4561% | 3,233 |
| Core capital (leverage) ratio | 10.1426% | 2,959 |
| Tier 1 risk-based capital ratio | 12.9850% | 4,156 |
| Total risk-based capital ratio | 14.2508% | 4,090 |
| Memoranda: | ||
| Average total assets | $241,822,400 | 2,700 |
| Average earning assets | $210,489,800 | 2,834 |
| Average equity | $24,767,800 | 2,636 |
| Average total loans | $180,633,600 | 2,506 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3477% | 5,186 |
| Cost of funding earning assets | 2.7592% | 668 |
| Net interest margin | 2.5884% | 7,368 |
| Noninterest income to average assets | 0.0275% | 7,742 |
| Noninterest expense to average assets | 2.4005% | 6,416 |
| Loan and lease loss provision to assets | 4.3405% | 241 |
| Net operating income to assets | -2.7702% | 7,531 |
| Return on assets (ROA) | -2.6285% | 7,499 |
| Pretax return on assets | -4.2268% | 7,722 |
| Return on Equity (ROE) | -25.7960% | 7,522 |
| Retained earnings to average equity (ytd only) | -25.7960% | 7,503 |
| Net charge-offs to loans | 3.8728% | 373 |
| Credit loss provision to net charge-offs | 149.0566% | 3,234 |
| Earnings coverage of net charge-offs (x) | -0.0370% | 6,112 |
| Efficiency ratio | 104.6969% | 891 |
| Assets per employee ($millions) | 5.0642% | 2,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7472% | 836 |
| Loan loss allowance to noncurrent loans | 22.8254% | 6,923 |
| Noncurrent assets plus other real estate owned to assets | 13.2683% | 174 |
| Noncurrent loans to loans | 12.0358% | 272 |
| Net loans and leases to total assets | 70.1704% | 3,466 |
| Net loans and leases to deposits | 84.4725% | 3,574 |
| Net loans and leases to core deposits | 174.6257% | 225 |
| Total domestic deposits to total assets | 83.0690% | 4,190 |
| Equity capital to assets | 9.1463% | 5,268 |
| Core capital (leverage) ratio | 8.7352% | 5,072 |
| Tier 1 risk-based capital ratio | 11.2007% | 5,753 |
| Total risk-based capital ratio | 12.4662% | 5,684 |
| Memoranda: | ||
| Average total assets | $242,666,750 | 2,705 |
| Average earning assets | $212,374,500 | 2,822 |
| Average equity | $24,726,750 | 2,654 |
| Average total loans | $182,465,750 | 2,505 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1609% | 6,221 |
| Cost of funding earning assets | 2.8303% | 727 |
| Net interest margin | 2.3305% | 7,649 |
| Noninterest income to average assets | 0.0811% | 7,572 |
| Noninterest expense to average assets | 2.3930% | 6,487 |
| Loan and lease loss provision to assets | 2.9892% | 506 |
| Net operating income to assets | -2.0219% | 7,435 |
| Return on assets (ROA) | -1.8107% | 7,364 |
| Pretax return on assets | -2.8860% | 7,538 |
| Return on Equity (ROE) | -17.1980% | 7,430 |
| Retained earnings to average equity (ytd only) | -17.1980% | 7,359 |
| Net charge-offs to loans | 3.0283% | 540 |
| Credit loss provision to net charge-offs | 129.5705% | 3,589 |
| Earnings coverage of net charge-offs (x) | -0.0983% | 5,795 |
| Efficiency ratio | 110.4726% | 837 |
| Assets per employee ($millions) | 4.9941% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6654% | 2,466 |
| Loan loss allowance to noncurrent loans | 17.6011% | 7,252 |
| Noncurrent assets plus other real estate owned to assets | 11.8577% | 190 |
| Noncurrent loans to loans | 9.4620% | 386 |
| Net loans and leases to total assets | 72.6865% | 3,041 |
| Net loans and leases to deposits | 88.4293% | 3,102 |
| Net loans and leases to core deposits | 196.5771% | 131 |
| Total domestic deposits to total assets | 82.1973% | 4,607 |
| Equity capital to assets | 10.0719% | 3,846 |
| Core capital (leverage) ratio | 9.7278% | 3,601 |
| Tier 1 risk-based capital ratio | 12.0035% | 4,912 |
| Total risk-based capital ratio | 13.2565% | 4,834 |
| Memoranda: | ||
| Average total assets | $244,216,000 | 2,710 |
| Average earning assets | $218,489,670 | 2,760 |
| Average equity | $25,712,330 | 2,580 |
| Average total loans | $186,042,000 | 2,503 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1222% | 6,585 |
| Cost of funding earning assets | 2.9153% | 740 |
| Net interest margin | 2.2069% | 7,790 |
| Noninterest income to average assets | 0.0682% | 7,724 |
| Noninterest expense to average assets | 2.2981% | 6,550 |
| Loan and lease loss provision to assets | 0.7303% | 1,754 |
| Net operating income to assets | -0.6264% | 6,989 |
| Return on assets (ROA) | -0.1948% | 6,631 |
| Pretax return on assets | -0.2938% | 6,667 |
| Return on Equity (ROE) | -1.8116% | 6,640 |
| Retained earnings to average equity (ytd only) | -1.8116% | 6,064 |
| Net charge-offs to loans | 0.5271% | 2,136 |
| Credit loss provision to net charge-offs | 179.2829% | 2,424 |
| Earnings coverage of net charge-offs (x) | -0.5339% | 5,262 |
| Efficiency ratio | 110.4524% | 798 |
| Assets per employee ($millions) | 4.7843% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 4,635 |
| Loan loss allowance to noncurrent loans | 8.9695% | 7,523 |
| Noncurrent assets plus other real estate owned to assets | 12.0391% | 142 |
| Noncurrent loans to loans | 13.6435% | 129 |
| Net loans and leases to total assets | 76.6481% | 2,129 |
| Net loans and leases to deposits | 94.1796% | 2,243 |
| Net loans and leases to core deposits | 206.8817% | 126 |
| Total domestic deposits to total assets | 81.3850% | 4,797 |
| Equity capital to assets | 10.8100% | 3,175 |
| Core capital (leverage) ratio | 10.3923% | 3,030 |
| Tier 1 risk-based capital ratio | 12.8025% | 4,324 |
| Total risk-based capital ratio | 13.9474% | 4,314 |
| Memoranda: | ||
| Average total assets | $246,465,500 | 2,689 |
| Average earning assets | $224,748,000 | 2,708 |
| Average equity | $26,496,500 | 2,525 |
| Average total loans | $190,466,500 | 2,469 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0384% | 1,035 |
| Cost of funding earning assets | 3.3102% | 896 |
| Net interest margin | 3.7282% | 4,338 |
| Noninterest income to average assets | 0.2121% | 6,921 |
| Noninterest expense to average assets | 2.3895% | 6,432 |
| Loan and lease loss provision to assets | 1.1556% | 1,262 |
| Net operating income to assets | 0.0820% | 6,149 |
| Return on assets (ROA) | 0.0820% | 5,993 |
| Pretax return on assets | 0.1027% | 5,936 |
| Return on Equity (ROE) | 0.8126% | 5,970 |
| Retained earnings to average equity (ytd only) | -2.2654% | 5,941 |
| Net charge-offs to loans | 1.4731% | 787 |
| Credit loss provision to net charge-offs | 98.1013% | 5,446 |
| Earnings coverage of net charge-offs (x) | 1.0682% | 5,596 |
| Efficiency ratio | 65.5047% | 5,222 |
| Assets per employee ($millions) | 4.5261% | 2,574 |
| Cash dividends to net income (ytd only)* | 378.7879% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 5,232 |
| Loan loss allowance to noncurrent loans | 12.1899% | 7,469 |
| Noncurrent assets plus other real estate owned to assets | 8.3962% | 263 |
| Noncurrent loans to loans | 9.0685% | 257 |
| Net loans and leases to total assets | 76.1162% | 2,589 |
| Net loans and leases to deposits | 93.2131% | 2,923 |
| Net loans and leases to core deposits | 233.5959% | 83 |
| Total domestic deposits to total assets | 81.6582% | 4,336 |
| Equity capital to assets | 10.6924% | 3,304 |
| Core capital (leverage) ratio | 10.6988% | 2,823 |
| Tier 1 risk-based capital ratio | 12.4940% | 4,442 |
| Total risk-based capital ratio | 13.5107% | 4,508 |
| Memoranda: | ||
| Average total assets | $241,435,400 | 2,643 |
| Average earning assets | $222,493,000 | 2,628 |
| Average equity | $24,366,400 | 2,701 |
| Average total loans | $193,060,800 | 2,364 |