Home > Tennessee Commerce Bank > Performance and Condition Ratios
Tennessee Commerce Bank, Performance and Condition Ratios
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0224% | 2,786 |
| Cost of funding earning assets | 1.9291% | 130 |
| Net interest margin | 3.0933% | 6,361 |
| Noninterest income to average assets | -0.9736% | 7,320 |
| Noninterest expense to average assets | 2.2890% | 6,068 |
| Loan and lease loss provision to assets | 11.9106% | 1 |
| Net operating income to assets | -11.8517% | 7,355 |
| Return on assets (ROA) | -12.6267% | 7,356 |
| Pretax return on assets | -13.0792% | 7,357 |
| Return on Equity (ROE) | -329.8079% | 7,353 |
| Retained earnings to average equity (ytd only) | -329.8079% | 7,353 |
| Net charge-offs to loans | 10.4101% | 5 |
| Credit loss provision to net charge-offs | 137.6835% | 2,156 |
| Earnings coverage of net charge-offs (x) | -0.0427% | 5,857 |
| Efficiency ratio | 119.2585% | 311 |
| Assets per employee ($millions) | 12.7741% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1410% | 48 |
| Loan loss allowance to noncurrent loans | 50.4341% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 14.0024% | 156 |
| Noncurrent loans to loans | 14.1590% | 149 |
| Net loans and leases to total assets | 82.5561% | 302 |
| Net loans and leases to deposits | 80.2838% | 2,470 |
| Net loans and leases to core deposits | 106.6493% | 768 |
| Total domestic deposits to total assets | 102.8303% | 1 |
| Equity capital to assets | -3.6327% | 7,357 |
| Core capital (leverage) ratio | -3.2168% | 7,356 |
| Tier 1 risk-based capital ratio | -4.0042% | 7,355 |
| Total risk-based capital ratio | -4.0042% | 7,355 |
| Memoranda: | ||
| Average total assets | $1,306,946,200 | 497 |
| Average earning assets | $1,222,312,400 | 485 |
| Average equity | $50,036,400 | 1,362 |
| Average total loans | $1,086,061,800 | 387 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1974% | 2,220 |
| Cost of funding earning assets | 1.9570% | 142 |
| Net interest margin | 3.2405% | 6,046 |
| Noninterest income to average assets | -1.1665% | 7,409 |
| Noninterest expense to average assets | 1.8727% | 6,888 |
| Loan and lease loss provision to assets | 10.7634% | 1 |
| Net operating income to assets | -10.2419% | 7,430 |
| Return on assets (ROA) | -11.2119% | 7,432 |
| Pretax return on assets | -11.8030% | 7,434 |
| Return on Equity (ROE) | -215.9797% | 7,425 |
| Retained earnings to average equity (ytd only) | -215.9797% | 7,425 |
| Net charge-offs to loans | 11.4454% | 10 |
| Credit loss provision to net charge-offs | 114.6304% | 2,851 |
| Earnings coverage of net charge-offs (x) | -0.0020% | 5,604 |
| Efficiency ratio | 100.9995% | 635 |
| Assets per employee ($millions) | 13.6197% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5197% | 556 |
| Loan loss allowance to noncurrent loans | 31.4165% | 6,176 |
| Noncurrent assets plus other real estate owned to assets | 10.9190% | 297 |
| Noncurrent loans to loans | 11.2032% | 281 |
| Net loans and leases to total assets | 82.5791% | 316 |
| Net loans and leases to deposits | 84.6495% | 1,894 |
| Net loans and leases to core deposits | 126.2549% | 288 |
| Total domestic deposits to total assets | 97.5542% | 12 |
| Equity capital to assets | 0.9880% | 7,424 |
| Core capital (leverage) ratio | 0.9534% | 7,422 |
| Tier 1 risk-based capital ratio | 1.1682% | 7,422 |
| Total risk-based capital ratio | 2.3365% | 7,422 |
| Memoranda: | ||
| Average total assets | $1,381,394,250 | 484 |
| Average earning assets | $1,287,678,750 | 470 |
| Average equity | $71,710,500 | 946 |
| Average total loans | $1,133,280,750 | 380 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4352% | 1,460 |
| Cost of funding earning assets | 1.9337% | 183 |
| Net interest margin | 3.5015% | 5,160 |
| Noninterest income to average assets | -1.8673% | 7,498 |
| Noninterest expense to average assets | 1.7212% | 7,160 |
| Loan and lease loss provision to assets | 14.0931% | 1 |
| Net operating income to assets | -13.5156% | 7,509 |
| Return on assets (ROA) | -13.5729% | 7,509 |
| Pretax return on assets | -14.4711% | 7,510 |
| Return on Equity (ROE) | -214.1320% | 7,489 |
| Retained earnings to average equity (ytd only) | -214.1320% | 7,489 |
| Net charge-offs to loans | 15.0881% | 5 |
| Credit loss provision to net charge-offs | 115.2175% | 2,656 |
| Earnings coverage of net charge-offs (x) | -0.0259% | 5,301 |
| Efficiency ratio | 122.5711% | 318 |
| Assets per employee ($millions) | 15.5560% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2326% | 737 |
| Loan loss allowance to noncurrent loans | 33.1439% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 8.1088% | 560 |
| Noncurrent loans to loans | 9.7533% | 402 |
| Net loans and leases to total assets | 75.5217% | 1,150 |
| Net loans and leases to deposits | 77.5183% | 3,215 |
| Net loans and leases to core deposits | 99.3393% | 1,400 |
| Total domestic deposits to total assets | 97.4245% | 10 |
| Equity capital to assets | 2.0769% | 7,474 |
| Core capital (leverage) ratio | 1.9546% | 7,476 |
| Tier 1 risk-based capital ratio | 2.6437% | 7,474 |
| Total risk-based capital ratio | 3.9153% | 7,474 |
| Memoranda: | ||
| Average total assets | $1,446,887,330 | 473 |
| Average earning assets | $1,351,884,670 | 453 |
| Average equity | $91,711,670 | 745 |
| Average total loans | $1,172,978,330 | 372 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7756% | 773 |
| Cost of funding earning assets | 1.8783% | 275 |
| Net interest margin | 3.8973% | 3,153 |
| Noninterest income to average assets | -0.4384% | 7,488 |
| Noninterest expense to average assets | 1.6722% | 7,251 |
| Loan and lease loss provision to assets | 2.4215% | 211 |
| Net operating income to assets | -0.5688% | 6,848 |
| Return on assets (ROA) | -0.5894% | 6,865 |
| Pretax return on assets | -0.9269% | 6,973 |
| Return on Equity (ROE) | -7.0720% | 6,918 |
| Retained earnings to average equity (ytd only) | -7.0720% | 6,683 |
| Net charge-offs to loans | 1.4098% | 972 |
| Credit loss provision to net charge-offs | 208.2383% | 1,433 |
| Earnings coverage of net charge-offs (x) | 1.3130% | 3,692 |
| Efficiency ratio | 52.2714% | 6,833 |
| Assets per employee ($millions) | 16.9853% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1607% | 2,053 |
| Loan loss allowance to noncurrent loans | 41.5994% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 4.3037% | 1,520 |
| Noncurrent loans to loans | 5.1940% | 1,285 |
| Net loans and leases to total assets | 78.2233% | 702 |
| Net loans and leases to deposits | 85.8708% | 1,755 |
| Net loans and leases to core deposits | 110.0390% | 717 |
| Total domestic deposits to total assets | 91.0942% | 583 |
| Equity capital to assets | 8.0737% | 6,417 |
| Core capital (leverage) ratio | 8.6410% | 5,189 |
| Tier 1 risk-based capital ratio | 9.7237% | 7,083 |
| Total risk-based capital ratio | 10.9831% | 7,093 |
| Memoranda: | ||
| Average total assets | $1,478,090,000 | 461 |
| Average earning assets | $1,379,521,000 | 448 |
| Average equity | $123,190,500 | 567 |
| Average total loans | $1,219,210,500 | 360 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2875% | 475 |
| Cost of funding earning assets | 2.1012% | 427 |
| Net interest margin | 4.1863% | 2,240 |
| Noninterest income to average assets | 0.1523% | 6,630 |
| Noninterest expense to average assets | 1.9903% | 7,038 |
| Loan and lease loss provision to assets | 1.4330% | 1,042 |
| Net operating income to assets | 0.3891% | 4,591 |
| Return on assets (ROA) | 0.4297% | 4,559 |
| Pretax return on assets | 0.6709% | 4,091 |
| Return on Equity (ROE) | 4.9293% | 4,100 |
| Retained earnings to average equity (ytd only) | 4.9293% | 2,458 |
| Net charge-offs to loans | 1.5318% | 1,433 |
| Credit loss provision to net charge-offs | 108.3961% | 4,080 |
| Earnings coverage of net charge-offs (x) | 1.5434% | 4,589 |
| Efficiency ratio | 49.3791% | 7,178 |
| Assets per employee ($millions) | 14.5908% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7452% | 3,055 |
| Loan loss allowance to noncurrent loans | 38.3796% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 4.0714% | 1,664 |
| Noncurrent loans to loans | 4.5473% | 1,550 |
| Net loans and leases to total assets | 83.6524% | 333 |
| Net loans and leases to deposits | 92.4680% | 1,212 |
| Net loans and leases to core deposits | 111.9309% | 817 |
| Total domestic deposits to total assets | 90.4663% | 856 |
| Equity capital to assets | 8.6073% | 5,710 |
| Core capital (leverage) ratio | 8.7983% | 4,861 |
| Tier 1 risk-based capital ratio | 10.0489% | 6,960 |
| Total risk-based capital ratio | 11.3040% | 6,944 |
| Memoranda: | ||
| Average total assets | $1,396,395,200 | 484 |
| Average earning assets | $1,293,687,800 | 472 |
| Average equity | $121,741,000 | 558 |
| Average total loans | $1,205,202,200 | 376 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3141% | 493 |
| Cost of funding earning assets | 2.1167% | 508 |
| Net interest margin | 4.1974% | 2,227 |
| Noninterest income to average assets | 0.2485% | 6,112 |
| Noninterest expense to average assets | 1.9375% | 7,155 |
| Loan and lease loss provision to assets | 1.5644% | 839 |
| Net operating income to assets | 0.3880% | 4,803 |
| Return on assets (ROA) | 0.4332% | 4,794 |
| Pretax return on assets | 0.6973% | 4,234 |
| Return on Equity (ROE) | 4.9525% | 4,316 |
| Retained earnings to average equity (ytd only) | 4.9525% | 3,027 |
| Net charge-offs to loans | 1.6028% | 1,230 |
| Credit loss provision to net charge-offs | 112.6891% | 3,737 |
| Earnings coverage of net charge-offs (x) | 1.5783% | 4,538 |
| Efficiency ratio | 46.9300% | 7,340 |
| Assets per employee ($millions) | 14.5490% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7510% | 2,985 |
| Loan loss allowance to noncurrent loans | 42.0615% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 3.8027% | 1,872 |
| Noncurrent loans to loans | 4.1630% | 1,766 |
| Net loans and leases to total assets | 86.4431% | 170 |
| Net loans and leases to deposits | 96.0815% | 971 |
| Net loans and leases to core deposits | 116.7622% | 728 |
| Total domestic deposits to total assets | 89.9685% | 896 |
| Equity capital to assets | 9.0618% | 5,494 |
| Core capital (leverage) ratio | 9.0867% | 4,546 |
| Tier 1 risk-based capital ratio | 9.8041% | 7,156 |
| Total risk-based capital ratio | 11.0593% | 7,143 |
| Memoranda: | ||
| Average total assets | $1,384,372,250 | 481 |
| Average earning assets | $1,279,681,750 | 468 |
| Average equity | $121,093,250 | 555 |
| Average total loans | $1,199,050,000 | 377 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4688% | 356 |
| Cost of funding earning assets | 2.1253% | 606 |
| Net interest margin | 4.3435% | 1,625 |
| Noninterest income to average assets | 0.1648% | 6,722 |
| Noninterest expense to average assets | 1.7775% | 7,412 |
| Loan and lease loss provision to assets | 1.3160% | 1,035 |
| Net operating income to assets | 0.6620% | 3,573 |
| Return on assets (ROA) | 0.7268% | 3,448 |
| Pretax return on assets | 1.1852% | 2,466 |
| Return on Equity (ROE) | 8.4121% | 2,703 |
| Retained earnings to average equity (ytd only) | 8.4121% | 1,291 |
| Net charge-offs to loans | 1.4545% | 1,311 |
| Credit loss provision to net charge-offs | 105.0250% | 3,880 |
| Earnings coverage of net charge-offs (x) | 1.9154% | 4,084 |
| Efficiency ratio | 42.5493% | 7,567 |
| Assets per employee ($millions) | 14.2295% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6997% | 3,082 |
| Loan loss allowance to noncurrent loans | 55.0115% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 2.7372% | 2,647 |
| Noncurrent loans to loans | 3.0897% | 2,603 |
| Net loans and leases to total assets | 85.2531% | 273 |
| Net loans and leases to deposits | 94.5492% | 1,205 |
| Net loans and leases to core deposits | 117.5965% | 780 |
| Total domestic deposits to total assets | 90.1680% | 835 |
| Equity capital to assets | 8.8397% | 5,691 |
| Core capital (leverage) ratio | 8.9276% | 4,713 |
| Tier 1 risk-based capital ratio | 9.6921% | 7,186 |
| Total risk-based capital ratio | 10.9466% | 7,174 |
| Memoranda: | ||
| Average total assets | $1,375,413,330 | 484 |
| Average earning assets | $1,270,684,330 | 472 |
| Average equity | $118,829,330 | 558 |
| Average total loans | $1,184,843,670 | 383 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4762% | 377 |
| Cost of funding earning assets | 2.1266% | 744 |
| Net interest margin | 4.3496% | 1,536 |
| Noninterest income to average assets | 0.1395% | 6,984 |
| Noninterest expense to average assets | 1.7230% | 7,555 |
| Loan and lease loss provision to assets | 1.3401% | 894 |
| Net operating income to assets | 0.6622% | 3,605 |
| Return on assets (ROA) | 0.7403% | 3,361 |
| Pretax return on assets | 1.2082% | 2,338 |
| Return on Equity (ROE) | 8.6695% | 2,599 |
| Retained earnings to average equity (ytd only) | 8.6695% | 1,489 |
| Net charge-offs to loans | 1.4941% | 1,156 |
| Credit loss provision to net charge-offs | 104.4742% | 3,283 |
| Earnings coverage of net charge-offs (x) | 1.8914% | 3,597 |
| Efficiency ratio | 41.5251% | 7,693 |
| Assets per employee ($millions) | 14.9252% | 105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6954% | 3,078 |
| Loan loss allowance to noncurrent loans | 49.0189% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 3.0227% | 2,373 |
| Noncurrent loans to loans | 3.4586% | 2,306 |
| Net loans and leases to total assets | 84.9205% | 298 |
| Net loans and leases to deposits | 93.8647% | 1,363 |
| Net loans and leases to core deposits | 120.9798% | 749 |
| Total domestic deposits to total assets | 90.4711% | 749 |
| Equity capital to assets | 8.6540% | 5,798 |
| Core capital (leverage) ratio | 8.7760% | 4,893 |
| Tier 1 risk-based capital ratio | 9.4630% | 7,320 |
| Total risk-based capital ratio | 10.7172% | 7,313 |
| Memoranda: | ||
| Average total assets | $1,372,991,000 | 500 |
| Average earning assets | $1,265,671,500 | 486 |
| Average equity | $117,239,000 | 573 |
| Average total loans | $1,178,736,000 | 405 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6698% | 498 |
| Cost of funding earning assets | 2.8223% | 413 |
| Net interest margin | 3.8475% | 3,495 |
| Noninterest income to average assets | -0.1713% | 7,846 |
| Noninterest expense to average assets | 1.5359% | 7,802 |
| Loan and lease loss provision to assets | 2.3852% | 848 |
| Net operating income to assets | -0.3130% | 5,990 |
| Return on assets (ROA) | -0.2580% | 5,912 |
| Pretax return on assets | -0.4130% | 5,929 |
| Return on Equity (ROE) | -2.9826% | 5,982 |
| Retained earnings to average equity (ytd only) | -3.8711% | 5,845 |
| Net charge-offs to loans | 2.1873% | 1,097 |
| Credit loss provision to net charge-offs | 126.2775% | 4,127 |
| Earnings coverage of net charge-offs (x) | 0.9987% | 5,112 |
| Efficiency ratio | 44.8803% | 7,754 |
| Assets per employee ($millions) | 15.0864% | 108 |
| Cash dividends to net income (ytd only)* | -29.7885% | 7,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7001% | 2,890 |
| Loan loss allowance to noncurrent loans | 97.2362% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 1.5510% | 4,050 |
| Noncurrent loans to loans | 1.7484% | 4,016 |
| Net loans and leases to total assets | 83.8678% | 445 |
| Net loans and leases to deposits | 92.3263% | 1,844 |
| Net loans and leases to core deposits | 151.3463% | 481 |
| Total domestic deposits to total assets | 90.8384% | 600 |
| Equity capital to assets | 8.4239% | 6,022 |
| Core capital (leverage) ratio | 8.7372% | 4,860 |
| Tier 1 risk-based capital ratio | 9.3738% | 7,289 |
| Total risk-based capital ratio | 10.6281% | 7,276 |
| Memoranda: | ||
| Average total assets | $1,301,323,800 | 520 |
| Average earning assets | $1,215,404,800 | 502 |
| Average equity | $112,553,400 | 582 |
| Average total loans | $1,123,758,400 | 438 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6394% | 573 |
| Cost of funding earning assets | 2.9760% | 354 |
| Net interest margin | 3.6634% | 4,224 |
| Noninterest income to average assets | -0.0649% | 7,907 |
| Noninterest expense to average assets | 1.5948% | 7,835 |
| Loan and lease loss provision to assets | 2.7934% | 555 |
| Net operating income to assets | -0.6307% | 6,549 |
| Return on assets (ROA) | -0.5728% | 6,496 |
| Pretax return on assets | -0.9251% | 6,622 |
| Return on Equity (ROE) | -6.5771% | 6,619 |
| Retained earnings to average equity (ytd only) | -6.5771% | 6,458 |
| Net charge-offs to loans | 2.4766% | 740 |
| Credit loss provision to net charge-offs | 130.1942% | 3,847 |
| Earnings coverage of net charge-offs (x) | 0.8286% | 5,223 |
| Efficiency ratio | 47.2864% | 7,703 |
| Assets per employee ($millions) | 15.2605% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6978% | 2,641 |
| Loan loss allowance to noncurrent loans | 65.2289% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 2.3681% | 2,905 |
| Noncurrent loans to loans | 2.6029% | 2,898 |
| Net loans and leases to total assets | 85.8662% | 352 |
| Net loans and leases to deposits | 94.7147% | 1,764 |
| Net loans and leases to core deposits | 158.4730% | 407 |
| Total domestic deposits to total assets | 90.6578% | 532 |
| Equity capital to assets | 8.7088% | 5,941 |
| Core capital (leverage) ratio | 8.6598% | 5,208 |
| Tier 1 risk-based capital ratio | 9.4301% | 7,420 |
| Total risk-based capital ratio | 10.6844% | 7,382 |
| Memoranda: | ||
| Average total assets | $1,283,439,500 | 537 |
| Average earning assets | $1,204,364,500 | 519 |
| Average equity | $111,779,750 | 594 |
| Average total loans | $1,111,872,750 | 456 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5876% | 675 |
| Cost of funding earning assets | 3.0391% | 419 |
| Net interest margin | 3.5485% | 4,578 |
| Noninterest income to average assets | -0.2350% | 8,078 |
| Noninterest expense to average assets | 1.6338% | 7,891 |
| Loan and lease loss provision to assets | 3.4112% | 423 |
| Net operating income to assets | -1.1989% | 7,106 |
| Return on assets (ROA) | -1.1648% | 7,098 |
| Pretax return on assets | -1.8860% | 7,243 |
| Return on Equity (ROE) | -13.3740% | 7,244 |
| Retained earnings to average equity (ytd only) | -13.3740% | 7,141 |
| Net charge-offs to loans | 2.9482% | 557 |
| Credit loss provision to net charge-offs | 133.9461% | 3,479 |
| Earnings coverage of net charge-offs (x) | 0.5780% | 5,133 |
| Efficiency ratio | 52.6065% | 7,468 |
| Assets per employee ($millions) | 15.6397% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6509% | 2,520 |
| Loan loss allowance to noncurrent loans | 74.0634% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 2.3473% | 2,771 |
| Noncurrent loans to loans | 2.2291% | 3,219 |
| Net loans and leases to total assets | 84.8654% | 523 |
| Net loans and leases to deposits | 93.5920% | 2,159 |
| Net loans and leases to core deposits | 174.3916% | 273 |
| Total domestic deposits to total assets | 90.6759% | 565 |
| Equity capital to assets | 8.5037% | 6,044 |
| Core capital (leverage) ratio | 8.7941% | 4,952 |
| Tier 1 risk-based capital ratio | 9.2761% | 7,559 |
| Total risk-based capital ratio | 10.5296% | 7,541 |
| Memoranda: | ||
| Average total assets | $1,268,698,000 | 554 |
| Average earning assets | $1,194,427,670 | 534 |
| Average equity | $110,498,330 | 611 |
| Average total loans | $1,095,928,670 | 478 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6238% | 684 |
| Cost of funding earning assets | 3.1217% | 429 |
| Net interest margin | 3.5022% | 4,725 |
| Noninterest income to average assets | -0.0766% | 8,123 |
| Noninterest expense to average assets | 1.4626% | 8,010 |
| Loan and lease loss provision to assets | 2.7501% | 408 |
| Net operating income to assets | -0.6035% | 6,971 |
| Return on assets (ROA) | -0.5171% | 6,943 |
| Pretax return on assets | -0.8334% | 7,055 |
| Return on Equity (ROE) | -5.8632% | 7,051 |
| Retained earnings to average equity (ytd only) | -5.8632% | 6,665 |
| Net charge-offs to loans | 2.4456% | 581 |
| Credit loss provision to net charge-offs | 130.1039% | 3,083 |
| Earnings coverage of net charge-offs (x) | 0.8429% | 4,351 |
| Efficiency ratio | 45.0816% | 7,888 |
| Assets per employee ($millions) | 14.8960% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 3,517 |
| Loan loss allowance to noncurrent loans | 45.4382% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 3.0794% | 1,835 |
| Noncurrent loans to loans | 3.0749% | 2,111 |
| Net loans and leases to total assets | 85.9697% | 453 |
| Net loans and leases to deposits | 98.2517% | 1,628 |
| Net loans and leases to core deposits | 229.0368% | 89 |
| Total domestic deposits to total assets | 87.4995% | 1,968 |
| Equity capital to assets | 8.7158% | 5,743 |
| Core capital (leverage) ratio | 8.9812% | 4,738 |
| Tier 1 risk-based capital ratio | 9.3651% | 7,535 |
| Total risk-based capital ratio | 10.6160% | 7,492 |
| Memoranda: | ||
| Average total assets | $1,238,358,500 | 570 |
| Average earning assets | $1,174,249,000 | 551 |
| Average equity | $109,224,500 | 613 |
| Average total loans | $1,070,333,500 | 492 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5354% | 388 |
| Cost of funding earning assets | 3.9231% | 127 |
| Net interest margin | 3.6123% | 4,825 |
| Noninterest income to average assets | 0.3760% | 5,683 |
| Noninterest expense to average assets | 1.4408% | 8,054 |
| Loan and lease loss provision to assets | 0.8694% | 1,713 |
| Net operating income to assets | 0.9628% | 2,728 |
| Return on assets (ROA) | 0.9901% | 2,475 |
| Pretax return on assets | 1.5825% | 1,441 |
| Return on Equity (ROE) | 11.5685% | 1,728 |
| Retained earnings to average equity (ytd only) | 11.5685% | 262 |
| Net charge-offs to loans | 0.6452% | 1,918 |
| Credit loss provision to net charge-offs | 152.4088% | 3,435 |
| Earnings coverage of net charge-offs (x) | 4.2235% | 4,062 |
| Efficiency ratio | 37.4229% | 8,169 |
| Assets per employee ($millions) | 14.5850% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 3,799 |
| Loan loss allowance to noncurrent loans | 44.2697% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 2.9867% | 1,538 |
| Noncurrent loans to loans | 2.9314% | 1,834 |
| Net loans and leases to total assets | 84.5292% | 803 |
| Net loans and leases to deposits | 93.9869% | 2,758 |
| Net loans and leases to core deposits | 195.7840% | 184 |
| Total domestic deposits to total assets | 89.9372% | 667 |
| Equity capital to assets | 8.9292% | 5,461 |
| Core capital (leverage) ratio | 9.2574% | 4,357 |
| Tier 1 risk-based capital ratio | 9.7854% | 6,969 |
| Total risk-based capital ratio | 11.0125% | 6,902 |
| Memoranda: | ||
| Average total assets | $1,047,960,800 | 631 |
| Average earning assets | $1,007,874,800 | 595 |
| Average equity | $89,691,600 | 745 |
| Average total loans | $926,494,000 | 533 |